A coastline, priced

Pick a peril. The engine generates a 250-year stochastic event catalog (seed fixed), prices every event against ten sites, and builds the exceedance curve your reinsurance conversation starts from.

The peril

Same ten sites, same seed — only the hazard changes

Events generated

1,473

250 simulated years

Average annual loss

$56.9K

Stated limit

Forty-nine fixed sites on a world grid, equal values — a fixture, so the curve is about the peril, not the portfolio.

The exceedance curve

Occurrence EP — worst single event per year, by return period

251025501002002505001000

Loss at return period

PML, 1-in-250

$2.5M

interpolated on the curve the engine built

Why it matters

Rarer years sit further right and cost more — the curve is monotone by construction. AAL is its integral; the PML is one point read off it.