Mitigate unpredictable seismic exposure
Unpredictable earthquakes threaten property portfolios without warning, creating severe unexpected claims and loss exposure.

Stay ahead of earthquake risk
Managing earthquake hazards requires cutting-edge USGS science. For over 15 years, we’ve adopted updated research up to two years ahead of peers. This discipline provides a vital underwriting edge, which is why the majority of the US admitted market relies on our risk solutions.

Comprehensive seismic risk metrics
Earthquake risk score
Quantitative score representing site-specific functional damage potential for structures across foreseeable horizons.
U.S. earthquake hazard
Assess site-specific earthquake risk using USGS hazard science, MMI, and 1-Second Spectral Acceleration. Evaluate structural damage and soil attenuation for precise underwriting decisions.
Earthquake ground motion intensity measure - MMI
Evaluates site-specific ground shaking intensity using Modified Mercalli Intensity, reflecting localized ground motion.
Earthquake ground motion intensity measure - 1-second spectral acceleration
Measures site-specific spectral shaking to quantify structural building response and vulnerability during seismic activity.
Soil susceptibility index
Measures risk covering liquefaction and ground failure as ground shaking alone does not explain earthquake damage, the soil beneath a building matters too.
USGS hazard science and ground motion attenuation

Transform property underwriting with Cotality's high-fidelity seismic science. By combining the latest United States Geological Survey hazard intelligence with localized wave attenuation, site geology, and soil susceptibility metrics, our risk scores reveal hidden vulnerability. Underwriters gain actionable clarity to differentiate site quality, minimize basis risk, and optimize capital allocation across complex commercial portfolios.,
FAQ
How does Cotality's earthquake solution evaluate property vulnerability and insurance conditions?
For detailed property-level analysis, Cotality's Single Site Cat Model allows users to input building vulnerability characteristics, insurance coverages, and policy conditions. The model then estimates key risk metrics, including Average Annual Loss (AAL) and Return Period losses, using Cotality's catastrophe modeling capabilities.
How granular is the localized earthquake risk intelligence?
The solution delivers high-resolution risk intelligence down to 90 meters in urban high-hazard areas. It incorporates localized soil conditions and fault proximity, allowing underwriters to differentiate risk between individual properties and minimize basis risk.
What metrics are used to measure ground shaking and structural response?
Ground motion is evaluated using a 1–12 Modified Mercalli Intensity (MMI) scale, 1-Second Spectral Acceleration for structural building response, and a 1–100 unified seismic hazard score integrating frequency and severity data.
How does the platform assess secondary hazards like liquefaction and landslides?
Liquefaction, or ground failure, is influenced by a combination of factors, primarily soil conditions and the intensity of earthquake shaking at a given location. Cotality combines these factors into a 'Soil Susceptibility Index', which rates locations from Very Low to Very High, translating complex geotechnical data into clear, actionable insights.
How does Cotality's earthquake product suite support underwriting decisions?
Cotality offers a tiered "Good, Better, Best" framework that allows commercial underwriters to balance speed and analytical precision. Underwriters use initial risk scores to screen accounts for materiality, then leverage customized Catastrophe Models to project Average Annual Losses (AALs) and return period metrics based on specific building characteristics and insurance conditions.
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