Which of our insured sites are inside a live warning area right now?

Panbiota's live peril map lays every quake, weather and flood warning, hurricane track and satellite fire detection over a client's list of insured sites, and can alert with the number of sites affected and their total sum insured.

How far has this hurricane's forecast landfall moved?

The landfall drift model turns today's forecast for each Atlantic and eastern Pacific storm into a band of likely landfall points, with the share of sums insured inside each part of the band.

What would a past catastrophe do to our book today?

Panbiota lays a hurricane, quake or flood footprint over a client's sites, sums insured and deductibles, and shows the likely losses and how often each reinsurance layer or catastrophe bond trigger would be reached.

Can you provide trigger records for parametric cover?

For licensed parametric insurers, Panbiota provides independent readings for each trigger, from the first figure to the final one. The insurer alone decides any payment.

Are deaths running above normal this winter, and in which groups?

The weekly excess-deaths gauge shows deaths above normal for the time of year by age and region for England and Wales and by state for the US, with flu test positivity and heatwave weeks alongside, and flags runs of weeks above or below normal.

Insurance intelligence: live perils, cat bonds and excess deaths

Insurance & actuarial · Disaster map

Live Automated alerts, indicative

Reading…

Power your idea with Panbiota → · Open the instrument · Intelligence, not advice.

01

Questions it answers

What it answers.

Which of our insured sites are inside a live warning area right now, and what is the sum insured there?
How far has this hurricane's forecast landfall moved since yesterday's bulletins?
How often has an orange alert like this one become a declared disaster, and how quickly?
If this hurricane came ashore 50 miles further along the coast, what would it do to our sums insured and reinsurance layers?
Does rising flu test positivity really run ahead of excess deaths among the over-75s?
Are deaths running above normal this winter, and in which age groups and regions?

02

Who it is for

Who uses it.

A Florida Keys beach house with plywood boards screwed over every window stands under a darkening sky, palm trees bent by the first gusts of wind

Catastrophe bond and insurance-linked securities funds

Hurricane near land, or a large quake: hold, sell or buy? Each forecast or loss-rating revision shows how the threat to every bond moves.

Aerial view of an endless grid of near-identical suburban rooftops stretching to the horizon under flat afternoon light in Brisbane

Catastrophe risk desks at insurers and reinsurers

Keep each region within limits and size your own cover. Event footprints over your policies, repeat strikes counted, show risk building before claims arrive.

Aerial view of a warehouse and factory estate beside Yokohama harbour on an overcast late afternoon, steel sheds and cranes in tight rows along the water

Corporate treasurers and risk managers

Insure plants from Florida to Japan: buy cover or carry the loss? Each site's quakes, storms, floods and fires, flagged as they strike.

A tall insurer's office building in Hartford at dusk, glass facade glowing amber over a quiet street

Pricing and reserving actuaries

Next year's rates, and an event's cost before claims are in. How often each peril struck each region, how hard, and what was paid.

Seen from behind, an elderly couple walk hand in hand along a Brighton seafront promenade on a grey winter morning, gulls over the pebbles

Life, pension and annuity actuaries

Deaths running above or below normal: a passing wave, or a reason to change life-expectancy assumptions? Weekly readings by age and region, with flu and heat alongside.

03

Modelled, tested, simulated, run

What we model, test and run.

Set-up, modelled

Hurricane on wet ground

Hurricane days from the coast, landfall drifting towards insured areas, flood warnings already up along its track. What it has meant before, in counties declared and flood claims paid, and what it likely means now.

Arbitrage set-up

One peril, two prices

A catastrophe bond and a reinsurer, pricing one peril such as Florida hurricane. From your own quotes: when the gap beats structuring, trigger and timing costs, and for how long.

Theory, tested

Flu runs ahead of deaths

When flu positivity in England rises three weeks running: how often above-normal over-75 deaths follow within four weeks.

Simulation

Past catastrophe on today's book

A hurricane, quake or flood on your sites, moved and strengthened. Out: loss range, worst sites, and how often each layer or bond trigger is hit.

Engine

Catastrophe response and trading engine

A hurricane warning or large quake: new policies halted there, adjusters alerted, catastrophe bond orders worked inside hard limits. Runs in your systems, on your rules, with an instant stop.

Powered by Panbiota, the intelligence engine

04

What Panbiota can build

What we build for you.

Live peril map

Every quake, warning, hurricane track and satellite fire on a map over your insured sites. River gauges show today's return period. Alerts give sites affected and total sum insured.

Landfall drift model

Every bulletin for each Atlantic and eastern Pacific hurricane, and how far past landfall forecasts drifted. Today's forecast becomes a band, with your sums insured inside each part.

Alert-to-loss scorecard

Every disaster alert and quake loss rating followed to declaration and claims paid. Per peril and colour: how often, how fast, how far revised.

Accumulation model

Days under the most serious weather warnings, region by region across Europe and the US, with repeat strikes flagged. Each season set beside claims from similar past seasons.

Weekly excess-deaths gauge

Deaths above seasonal normal, by age and region in England and Wales, by state in the US. Flu positivity and heatwaves alongside; runs above or below normal flagged.

05

Services

Delivered to you.

Close-up of a seismograph stylus tracing a fine line across a rotating paper drum in a quiet Japanese observatory room, early light through the window

Morning catastrophe briefing and desk assistant

Before work in London, New York or Tokyo: overnight quakes, storms, floods and fires, graded against history. Plus an assistant in your team chat.

Aerial view of a cloud shadow sweeping across a patchwork of farmland in the Po Valley, some fields lit in sun and others dark

Portfolio screening for brokers, treasurers and lenders

Your insured sites, plants or mortgaged homes, checked against live warnings, quakes and fire detections. Which are hit, and the total value at stake.