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CLIMATE RISK MODELs
Worst Decade on Record
for Natural Disasters
Z-FIRE™
Z-FLOOD™
Z-HAIL™
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
SEE IT IN ACTION
Z-FIRE: IN THE NEWS
Trained on 100 years of fire events
Property-specific risk scores
Risk insights from aerial imagery
PREDICTIVE FLOOD RiSK SCOREs
Z-FLOOD™ Powered by AI
SEE IT IN ACTION
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
SEE IT IN ACTION
Event generations enabled by property-specific insights
Robust simulations over 10,000 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