The vast, mysterious oceans are not only sources of life and resources but also formidable forces capable of unleashing immense destruction. With the global economy increasingly expanding into marine territories, the risk of coastal disasters has grown significantly, contributing to approximately one-third of all natural disaster-related economic losses

The casualty insurance industry, encompassing liability coverage for individuals and businesses, relies heavily on accurate risk assessment. Traditionally, actuaries and underwriters have employed complex statistical models and historical data to predict the likelihood and potential severity of future claims. However, the emergence of sophisticated Artificial Intelligence (AI) agents offers a potentially transformative approach to risk assessment, promising greater efficiency, accuracy, and personalization. While the potential benefits are significant, the integration of AI agents also raises important concerns regarding transparency, bias, and ethical implications. This essay will delve into the pros and cons of utilizing AI agents for risk assessment calculations in the casualty insurance industry.