agents/risk_agent.py

"""Risk Calculation Agent"""
from typing import Dict, Any

class RiskCalculationAgent:
    def __init__(self):
        self.name = "RiskCalculationAgent"
    
    def process(self, policy_data: Dict[str, Any]) -> Dict[str, Any]:
        loss_history = policy_data.get("loss_history", 0)
        coverage_amount = policy_data.get("coverage_amount", 0)
        
        risk_score = min((loss_history * 10) + (coverage_amount / 10000), 100)
        
        if risk_score >= 70:
            risk_band = "high"
        elif risk_score >= 40:
            risk_band = "medium"
        else:
            risk_band = "low"
        
        return {
            "risk_score": risk_score,
            "risk_band": risk_band,
            "justification": f"Based on loss history and coverage amount",
            "confidence": 0.87
        }
    
    def get_trace(self) -> Dict[str, Any]:
        return {"agent": self.name, "status": "completed"}