Risk Assessment

name: "Risk Assessment"
short_description: A card summarising an overall risk level with an optional score and a list of contributing factors, each with an impact chip.
long_visual_description: >
  A card on the surface colour with a risk-level pill tinted by band - success for low, warning for
  moderate, danger for high - beside an optional large numeric score. Below a divider sits a list of
  contributing factors, each row pairing a factor label with a small impact chip coloured low, medium
  or high.

use_cases:
  - Summarise an underwriting risk band for a quote.
  - Explain which factors drive a premium up or down.
  - Show a risk score with its contributing signals.
  - Compare the impact of individual risk factors.
  - Give an applicant transparency into their assessment.
  - Flag a high-risk profile before a policy is bound.

recommended_for:
  - Underwriting and quote-explanation screens.
  - Any breakdown of an overall rating into factors.
avoid_for:
  - A single metric with no breakdown (use stat-card).
  - A time series of risk over time (use a chart).

markets:
  - Global

example_usage: >
  Set level to the overall band and optionally score for a numeric reading. Pass factors as label and
  impact pairs, where impact is low, medium or high; the chips colour themselves from the data-impact
  attribute. Order factors from highest impact down so the main drivers read first.

props:
  score: An optional numeric risk score shown beside the level.
  level: The overall risk band; colours the level badge.
  factors: The contributing factors, each a label and an impact of low, medium or high.

example_prompts:
  - "Show a moderate risk assessment scoring 72 with driving history, vehicle value and mileage."
  - "Flag a high-risk profile and list the factors driving it."

lifecycle: experimental
content_model: An overall risk level, an optional numeric score, and a list of factors each with an impact.

theming:
  tokens_used:
    - --color-surface
    - --color-on-surface
    - --color-on-surface-muted
    - --color-border
    - --color-success
    - --color-warning
    - --color-danger
    - --radius-card
    - --radius-pill
    - --shadow-card
    - --space-card
    - --font-heading

editorial_guidance: >
  Keep factor labels plain and neutral, and make sure the overall level agrees with the mix of factor
  impacts. Reserve the high band and danger tint for genuinely elevated risk so the colour stays
  meaningful.

relationships:
  related:
    - insurance/premium-summary
    - insurance/claim-document-upload
    - dashboard/stat-card

categorization:
  category: Insurance
  subcategory: Underwriting
  atomic_type: molecule
  usage_type: [card, list]
  maturity: ai-generated
  wcag:
    level: AA
    notes: Both the risk level and each factor impact are shown as text labels, not colour alone; the card is static and non-interactive.
  keyboard_support: None - static, non-interactive.
  seo_score: 30
  text_direction: both