Climate Risk Models

CLIMATE RISK MODELs

Worst Decade on Record

for Natural Disasters

Z-FIRE™

Z-HAIL™

Z-FLOOD™

CUTTING-EDGE TECHNOLOGY

Next-Generation Predictive Risk Models

Powered by Artificial Intelligence

Driven by Climate Science

Rooted in Property-Specific Loss Data

Underpinned by 130Bn+ Data Points

Built on 65+ Property-Level Risk Modifiers

Proven Results

AI-Based Models with Proven Risk Splitting Power

Strong predictive relationship between model outputs and losses

Validated by:

PREDICTIVE WILDFIRE RISK SCOREs

Z-FIRE™ Powered by AI

Trained on 1200+ fire events across several decades

Property-specific risk scores

Risk insights from aerial imagery

PREDICTIVE HAIL DAMAGE RISK SCORES

Z-HAIL™ Powered by AI

Grounded on hail events and loss data

Property-specific risk scores

Leverages comprehensive science on severe convective storms

PREDICTIVE FLOOD RiSK SCOREs

Z-FLOOD™ Powered by AI

Trained on 3MM+ properties with flood loss data

Property-specific risk scores

Risk insights from aerial imagery

REINSURANCE PORTFOLIO RISK

Portfolio Analytics
Powered by AI

Event generations enabled by property-specific insights

Robust simulations over thousands of years

AAL, PML, and event-level loss data

Benefits

Improved Risk Selection

Premiums Commensurate with Risk

Decreased Loss Ratio

Effective Concentration Risk Management

Better Reinsurance Pricing

Increased Reinsurance Capacity