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Portfolio Catastrophe Loss Modelling

The number of insured losses due to natural catastrophes has increased significantly over the past 45 years. In the past 10 years alone, natural disasters such as storms, floods and earthquakes have accounted for more than 90% of economic losses globally. Businesses of all sizes – from SMEs to large corporates – see natural events as one of their top three risks.

If your company is exposed to natural hazards, we help you quantify your risks. In particular if you have a large and highly valuable portfolio of locations spread across several geographies. Our experts are able to create portfolio cat models to help you understand your potential loss accumulations. Very useful to adapt your insurance coverages and risk management priorities accordingly.

How We Can Help You

We use simulations to identify the portfolio segments and sites which are most exposed to natural disasters, and their respective contribution to the maximum gross probable loss. This gives us – and you – a deeper insight into your risk appetite and the insurance capacity and rates available to you.

Our approach encompasses four phases:

1. Identification of highly exposed zone: Selection of countries and/or zones for which a cat modelling study is relevant, i.e., where there is a major concentration of value combined with extreme hazard risk

2. Data collection and processing: Processing of location-specific data relevant for the analysis, e.g., GPS, TIV building characteristics, occupancies, and loss prevention data

3. Cat modelling and analysis: Statistical calculation of probable financial losses under different scenarios based on our proprietary probabilistic cat models; analysis of the results according to your company's specific circumstances

4. Presentation of results: Full summary of our analysis in a written report and client debrief to present recommendations based on our findings

Your Benefits

With tangible data, we help you define the best possible strategy for your insurance coverages (limits / sub-limits) based on your risk appetite, the market environment, and the capacities available in the market.

Most significantly, we help you to develop business impact analyses and draw up business continuity or disaster recovery plans specific to your company's needs.



Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group.

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