CATASTROPHE RISK MODELING
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

Trained on 100 years of fire events
Property-specific risk scores
Risk insights from aerial imagery

Benefits

Improved Risk Selection

Premiums Commensurate with Risk

Decreased Loss Ratio

Effective Concentration Risk Management

Better Reinsurance Pricing

Increased Reinsurance Capacity