Risco.
The loss and pricing your book runs on.
Hazard and vulnerability, convolved into loss — at asset and portfolio level. AAL, EP curves, PML and pricing per layer, ready for accumulation control and regulatory capital.
Every number your pricing and capital teams ask for.
Not a black box that returns one figure — the full loss view, traceable back to the hazard and the asset that produced it.
AAL
Average annual loss per asset and per portfolio — the expected cost that flows straight into your technical price.
EP curves
Occurrence and aggregate exceedance probability (OEP / AEP) — the full loss distribution, not a single number.
PML & TVaR
Probable maximum loss at any return period, plus tail value-at-risk for the scenarios that break the book.
ELT / YLT
Event and year loss tables — the granular ledger your actuarial and capital teams can re-run and audit.
Layered programs
Loss to any structure — excess-of-loss, quota share, aggregate — with pricing computed per layer.
Capital-ready
Outputs shaped for Solvency II, IFRS 17 and internal capital models — defensible, with provenance attached.
Hazard × Vulnerability → Loss.
Risco is the convolution layer. It takes the hazard from Sismicus and the fragility from our vulnerability engine and turns them into priced loss — with the chain of evidence intact at every step.
Risco
AAL · EP · PML · TVaR · pricing per layer.
Pricing
Technical price per risk and per layer, built on the full loss distribution — not a rule of thumb.
Accumulation control
Portfolio exposure, peril concentration and diversification, quantified for the whole book.
Capital & reserving
Solvency II SCR, IFRS 17 and internal model inputs — auditable, with provenance.
Put it on one accumulation zone.
We'll return tiered, sourced loss for every asset in it — and the pricing to match.