Automated 5-Mile PML Solvency Accumulation Controls
Never breach reinsurance treaty caps or cluster non-correlated commercial building exposures. Delphi-1.0 executes sub-10ms Uber H3 spatial indexing against your entire in-force binder portfolio before allowing new policies to bind.
Automated Spatial Concentration Controls
Real-time spatial policing eliminates catastrophic post-event cluster surprises and preserves treaty solvency.
Sub-10ms Uber H3 Spatial Indexing
Hierarchical hexagonal spatial indexing across Uber H3 resolutions 7–10 aggregates Total Insured Value (TIV) clusters with zero database bottlenecks, indexing millions of coordinates concurrently without lock contention.
Hard & Soft Solvency Limits
Enforce strict $25M radius caps with automatic binding moratoria, or route borderline applications at the $18M soft threshold to Chief Underwriting Officers (CUO) for secondary hardening review and deductible scaling.
Reinsurer Treaty Audit Proofs
One-click CSV/JSON export and real-time dashboard proofs demonstrating zero unhedged spatial cluster exposure during annual reinsurance treaty renewal cycles, reinforcing treaty capacity and favorable commission terms.
Real-Time Pre-Bind Interceptor
Synchronous validation prevents over-concentration at the exact moment of quote binding. Prevents unauthorized binder issuance when cumulative corridor exposure reaches treaty boundary parameters.
Programmatic Solvency Audits
Query in-force portfolio concentration and trigger real-time binding authorizations via REST endpoints.
- Real-time cell cluster capacity checks
- Automated CUO referral status flags
- Exportable treaty solvency certificates
// Pre-Bind Solvency Query
{
"submission_id": "SUB_CA_SONOMA_9921",
"coordinates": { "lat": 38.2919, "lon": -122.4580 },
"new_tiv_usd": 3500000.0,
"peril": "WILDFIRE",
"treaty_id": "TREATY_2026_PACIFIC_E_AND_S"
}
// Solvency Authorization Response
{
"authorization": "APPROVED_TO_BIND",
"h3_index_res8": "8828308281fffff",
"five_mile_in_force_before_usd": 14200000.00,
"five_mile_in_force_after_usd": 17700000.00,
"hard_cap_usd": 25000000.00,
"capacity_remaining_usd": 7300000.00,
"solvency_verdict": "WITHIN_TREATY_LIMITS"
}The Tripartite Underwriting Suite
Couple real-time 5-mile PML treaty enforcement with deterministic wildfire physics and hydrodynamic flood catchment modeling.
PML Solvency & Treaty FAQs
Spatial clustering, treaty boundaries, and CUO referral thresholds.
Govern Reinsurance Treaty Limits Automatically
Safeguard your book of business against correlated catastrophe clusters with real-time pre-bind spatial solvency enforcement.