For Capacity Partners
We're building partnerships with carriers and reinsurers who want to deploy capacity into catastrophe-exposed commercial property with superior risk selection.
Portfolio Intelligence
Every risk scored individually at the building level. Spatial contagion, physics surrogates, calibrated uncertainty.
OEP and AEP exceedance probability at 10, 25, 50, 100, 250, and 500-year return periods.
Binding authority tracked in real time — per-risk and aggregate limits enforced automatically.
Gradient-based feature attribution on every pricing decision. Show regulators exactly why.
Quarterly EEOC 4/5ths analysis. Model version tracked. Board-ready documentation.
Every AI call logged with prompt hash, tokens, cost, latency. Every decision traced.
Compliance Built In
D-1/D-2 disclosure generation, insured classification per CIC §1760.1, diligent search validation, SL filing preparation with AI validation.
Every adverse action includes mandatory CA SB 1229 disclosure: 'AI was used. You have the right to request human review.'
Acknowledgment (15d), accept/deny (40d), payment (30d) per 10 CCR §2695.5(b). Automated escalation.
Complaint handling with AI-generated response letters citing CIC §790.03(h). Full audit trail for examinations.
For carriers, reinsurers, and ILS investors
Or reach us directly at hello@pigeonrisk.com