Mitigate seismic risk with precision underwriting
Assess property-level earthquake risk using advanced hazard science, seismic wave attenuation, geology and soil data to improve underwriting decisions and pricing accuracy.

Pinpoint localized earthquake risk
High-resolution hazard scores incorporate localised soil conditions and fault proximity to distinguish risk between properties, giving underwriters greater confidence in risk selection

Up to 90m
High-resolution up to 90m in urban high hazard areas, allowing for granular risk differentiation at the individual location level.
1-10
Shaking intensity metrics based on the Modified Mercalli Intensity scale to predict potential structural damage severity.
1-100
Unified seismic hazard scores that integrate frequency and severity data for streamlined portfolio re-analysis.
Engineering portfolio resilience in seismic zones

Earthquake Risk Score combines advanced hazard science with localized geological data, including soil conditions, fault proximity, Peak Ground Acceleration (PGA), and Modified Mercalli Intensity (MMI), to deliver more accurate property-level earthquake risk insights. These scientifically grounded insights help insurers improve underwriting confidence, risk selection, and pricing decisions.
FAQ
How can insurers assess earthquake risk for capital adequacy?
Cotality utilizes high-fidelity probabilistic models to transform unpredictable seismic data into actionable intelligence. This granular approach guarantees insurers maintain solvency, ensuring sufficient capital reserves to survive major seismic events without being caught off guard by catastrophic portfolio losses.
What scientific data drives Cotality's earthquake catastrophe models?
Cotality models are driven by an advanced blend of paleo-seismic and seismo-tectonic characterization. The U.S. model specifically integrates the latest scientific research from USGS National Seismic Hazard Model (NSHM) updates to ensure the highest degree of modern hazard accuracy.
How does the earthquake data integrate with existing insurer workflows?
Cotality guarantees seamless platform interoperability. Our cloud-native architecture utilizes standardized data inputs and secure RESTful APIs, enabling real-time integration directly into an insurer’s existing underwriting technology and core workflows without requiring massive system overhauls.
What is the potential financial impact of a major earthquake?
A major seismic event in urban California carries an estimated $800 billion economic toll. For portfolio benchmarking, a modern recurrence of the 1994 Northridge earthquake would cost $100 billion today, underscoring the critical need for precise catastrophe modeling.
How do insurers contact Cotality for sales or product support?
Enterprise buyers can reach our dedicated sales team via phone during standard operating hours. Existing customers have immediate access to technical assistance and integration documentation through a direct, deeply-linked portal on our dedicated product support page.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.