Turning physical climate loss distributions into the language of insurance, lending, and public capital planning. Built with input from collaborators across InnSure, Howden, EDF, Stantec, & public finance.
The Loss Distribution Translator (LDT) v.3 makes resilience investment more legible to institutions, and facilitates better outcomes between public planning, insurance and lending.
Catastrophe and engineering models produce loss distributions, but underwriters, lenders, and public-sector planners need other metrics to potentially adjust premiums: expected loss, loss within the insured, retained or reinsured layer, and resilience-adjusted return profiles, among others.
This is not a cat model, it is a downstream translation layer that takes an existing loss distribution, applies mitigation performance curves, and expresses result metrics legible to insurance.
The LDT is being developed with input from collaborators across insurance, brokerage, and energy-sector resilience practice. To move from prototype to institutionally credible tool, three categories of collaborator are needed.
The goal is to make resilience investment more legible to institutions, and facilitate a better conversation between insurance, lending and public planning.