VesperSpatial
Delphi-1.0 Actuarial Engine · Production Live

Spatial Catastrophe Risk Intelligence for Commercial Lines

Deterministic physical underwriting across Wildfire, Inland Flood, and 5-Mile PML Solvency. Ingesting sub-meter LiDAR elevation, ERA5 satellite fuel moisture, and California CDI § 2644.9 credits in under 45 milliseconds.

< 45ms REST LatencyUSGS 1m 3DEP LiDARCDI § 2644.9 Defensible Space$25M / 5-Mile Solvency Cap
Launch Underwriting AppExplore Catastrophe Sandbox
Tripartite Underwriting Architecture

Deterministic Physical Risk at the Property Line

Traditional actuarial tables rely on broad ZIP-code averages and backward-looking claims history. VesperSpatial models catastrophe hazard at sub-meter parcel resolution through three dedicated deterministic physical engines.

Peril Engine 01

Wildfire Dynamic Rating

Active NASA VIIRS thermal anomaly ingest, ECMWF ERA5 1000-hour dead fuel moisture (FMC), and USGS 3DEP LiDAR slope flame vectors for California WUI commercial properties.

CDI § 2644.9 buffer credits
Slope flame acceleration vectors
Santa Ana & Diablo wind anomalies
Wildfire Model Specs
Peril Engine 02

Inland Flood & Storm

10-meter hydrodynamic catchment routing, Finished Floor Elevation (FFE) vs BFE deltas, and 48-hour NOAA atmospheric river precipitation accumulation grids.

Pluvial flash runoff vs fluvial
Finished floor elevation (FFE) delta
Convective hail swath correlation
Catchment Model Specs
Peril Engine 03

5-Mile PML Solvency

Automated $25M Probable Maximum Loss concentration caps per 5-mile radius cell. Pre-bind spatial interceptors safeguard reinsurance treaty solvency before paper is bound.

Sub-10ms Uber H3 spatial queries
Automatic CUO referral routing
Exportable bordereau treaty proofs
PML Treaty Controls
Delphi-1.0 Unified Pipeline

End-to-End Actuarial Decision Workflow

From submission coordinates to treaty-authorized bind response in under 45 milliseconds.

STAGE 01
Address & Geocoding

Sub-meter parcel polygon matching, APN verification, and Uber H3 hexagonal coordinate discretization.

STAGE 02
Physical Ingest

Real-time 1000-hr fuel moisture, 1m LiDAR slope flame vectors, and 10m hydrodynamic catchment elevation routing.

STAGE 03
Tweedie Severity

Compound Poisson-gamma loss estimation models zero-inflated claims, deducting certified CDI § 2644.9 credits.

STAGE 04
Treaty Solvency Check

Pre-bind validation enforces $25M radius caps against the in-force book before authorizing binder issuance.

Interactive Actuarial Workbench

Inspect Real-Time Property Telemetry

Query any US commercial parcel below to inspect 3D digital elevation wireframes, live fuel dryness gradients, and automated 5-mile PML solvency checks.

3/3 Left
Wildfire Dynamic Rating · Howell Mountain Ridge (94558)
422ft → 2,840ft·DIABLO WIND: 32KT NNE · VIIRS THERMAL FIRELINE: ACTIVE
Z:
94558·Napa Co., CA
North Coast
CLEAR TO BIND
Score39.6/100

Low spatial wildfire exposure within acceptable portfolio limits.

Annual Loss Cost
$9,894/yr
$5.0M TIV Base
Live Fuel Moisture
11.3% FMC
1000-hr Dead Fuel
LiDAR Slope Grade
12.7%
USGS 3DEP Topo
CDI § 2644.9 Credit
-20.5%
Hardened Buffer
Wildfire AuditWildfire Specs →
Production Underwriting Interface

Sub-45ms Catastrophe Quote API

Deterministic rating · $0.15/quote · W3C DTCG & OpenAPI 3.0 compliant

# Sample Rating Request Payload
curl -X POST "https://api.vesperspatial.com/api/v1/actuarial/quote/wildfire" \
-H "X-API-Key: vesper_live_prod_..." \
-H "Content-Type: application/json" \
-d {
"policy_id": "DEMO_CA_NAPA_1001",
"location": { "latitude": 38.3047, "longitude": -122.2989 },
"tiv_usd": 2500000.0,
"distance_to_brush_ft": 150.0,
"clearance_score": 0.85
}
Deterministic Actuarial Output

Click "Execute Test Quote" to test the live Delphi-1.0 endpoint.

Predictable Usage Metering

Transparent, Defensible Pricing

Pay strictly per validated quote calculation. No six-figure upfront catastrophe license lock-ins, seat taxes, or hidden integration fees.

Starter Program

Growth MGA

$500/month + $0.15/quote
  • Up to 5,000 live quotes/month
  • Wildfire & Inland Flood REST APIs
  • Single-risk underwriting workbench
  • CDI § 2644.9 discount calculations
Get Started
Recommended
Scale & Treaty

Pay-As-You-Go Scale

$2,500/month + $0.10/quote
  • Up to 50,000 live quotes/month
  • Automated 5-mile PML solvency caps
  • Full bordereau portfolio audit upload
  • Pre-bind CUO referral workflow
  • Dedicated actuarial review support
Launch Enterprise MGA
Carrier / Treaty

Enterprise Reinsurer

Custom/annual license
  • Unlimited quote & bind capacity
  • Custom spatial radii & solvency boundaries
  • Dedicated Cloud Run / VPC deployment
  • 99.99% SLA & 24/7 catastrophe desk
Contact Reinsurance Desk
Questions & Answers

Frequently Asked Questions

Actuarial methodology, regulatory compliance, and API integration.

Immediate Actuarial Access

Start Underwriting Precision Commercial Risk

Evaluate single risks in the live sandbox or integrate our sub-45ms REST API into your underwriting workflow.

Launch SandboxContact Underwriting Desk
< 45ms Latency•CDI § 2644.9 Compliant•No Credit Card Required