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Manage Natural Catastrophe Risks with CatMod

CatMod performs scenario-based and probabilistic loss calculations based on seismic source models and ground-motion models. Through regional hazard analysis, portfolio-level loss estimation, rapid post-earthquake assessments, and parametric insurance solutions, CatMod supports insurance and reinsurance decision-making processes.

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40+
Preferred by leading insurers and reinsurers
100+
Successfully delivered scenario-based and stochastic earthquake modeling projects
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Probabilistic Seismic Hazard Analysis
Ground motion intensities are calculated for different locations based on seismic sources and ground motion models, enabling the generation of probabilistic hazard curves and maps.​
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Stochastic Loss Modeling
Potential earthquakes are simulated by considering the magnitude-frequency distributions of seismic sources. Portfolio losses are calculated probabilistically, and long-term risk profiles are developed by incorporating the structure of reinsurance agreements.
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Scenario-Based Risk Analysis
Portfolio losses are calculated for a defined earthquake scenario, and the potential loss distribution is reported by considering reinsurance agreements.
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Policy-Level Loss Analysis and Earthquake Technical Premium Calculation
Annual expected losses are calculated for individual policies, and premium optimization is performed by considering different deductible and limit alternatives.
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Rapid Post-Earthquake Portfolio Assessment
Following an actual earthquake event, portfolio losses are estimated within a short time frame to support insurance and reinsurance decision-making processes.
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Estimation of Earthquake-Induced Fatality and Severe Injuries
Fatality estimation following earthquakes serves to project the claims burden for life insurance lines and to support disaster management planning for public institutions.
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Parametric Risk Transfer Solutions
Technical advisory services are provided for polygon selection and the determination of triggering parameters such as PGA, PGV, Sa, and Mw, thereby supporting the technical robustness of parametric agreements.
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Data Analytics and Decision-Support Solutions
Portfolio data are converted into geographic coordinates and used for loss analyses. The results are visualized through GIS-based software to strengthen decision-making processes.
How It Works
1
Data Integration
Portfolio data are received as an inventory in Excel format and used for loss analyses. In modeling studies, the primary input parameters for each risk include business activity type (such as hospital, cement plant, or thermal power plant), geographical location, construction year, number of stories, construction material (such as reinforced concrete or steel), and insured value.​
2
Modeling and Simulation
Hazard Modeling: Ground-motion intensities are calculated for different locations based on seismic source models and ground-motion models. Probabilistic hazard curves and hazard maps are then produced. ​

Loss Modeling: Structural damage ratios and financial losses are calculated. Based on the level of detail available for each risk, CatMod applies the most appropriate financial vulnerability function. Financial loss calculations may include structural damage, contents damage, and business interruption losses. Where applicable, financial losses may also be calculated by incorporating the financial terms of insurance and/or reinsurance agreements. ​

Financial Model: 

  • Ground-Up Loss refers to total loss,

  • Gross Loss refers to loss after deductible and coinsurance but before reinsurance,

  • Net Pre-Cat & Net Post-Cat refer to losses before and after reinsurance, respectively.

3
Reporting and Evaluation
The modeling report includes a detailed assessment of the region’s seismicity and the calculated loss results, together with relevant scientific references. Following the earthquake modeling report prepared through CatMod, evaluation meetings are held with the participation of our scientific experts.
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Over 45 organizations in 3 countries are using CatMod to manage their catastrophic modeling analyses. 
Potential Applications of Catastrophe (Earthquake) Modeling Outputs;
Corporate risk management
Insurance, reinsurance, and risk transfer analyses
Development of strategies to mitigate financial losses
Underwriting processes
Portfolio management and optimization for (re)insurers
Capital adequacy assessment
Cost of capital allocation and reinsurance cost analysis
Discover CatMod in Detail
Explore earthquake risk analyses for your portfolio with CatMod and contact our expert team.
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