{"id":38,"date":"2026-10-17T10:33:41","date_gmt":"2026-10-17T10:33:41","guid":{"rendered":"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/?page_id=38"},"modified":"2026-10-19T00:28:45","modified_gmt":"2026-10-19T00:28:45","slug":"about","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/about\/","title":{"rendered":"Industry scope and publisher"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/about\/ \u00b7 source authored \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"application\/json\" class=\"_iub_cs_skip\" id=\"nxe-water-data\" 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type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-water-engine\" 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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2hurlu5.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"register\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P02 \u00b7 ABOUT \u00b7 about<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Reinsurance and Catastrophe<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Reinsurance and Catastrophe \u00b7 Industry scope and publisher<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Industry scope and publisher<\/h1><p class=\"nx-tagline\">Reinsurance and Catastrophe is published by The Global Risks Alliance (GRA), a nonprofit corporation registered in Nevada, United States, operating as a business league for the financial services industry. This page sets out the platform's industry scope, its subject community, its legal limitations and its current state. The <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/\">platform home<\/a> gives the overview.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/\">Back to Reinsurance and Catastrophe<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Reinsurance and Catastrophe<\/strong><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-k\">Publisher<\/span><span class=\"nx-register-v\">The Global Risks Alliance<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">Insurance and catastrophe, Climate and hazards, Disaster and crisis<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Status<\/span><span class=\"nx-register-v\">In development<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Service level<\/span><span class=\"nx-register-v\">R0: information and enquiries<\/span><\/div><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 In development \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>Mandate to authority<\/a><a href=\"#nx-sec-field\"><span>03<\/span>Hazards and exposure in the Gulf of\u2026<\/a><a href=\"#nx-sec-industry-scope\"><span>04<\/span>Reinsurance, catastrophe modelling\u2026<\/a><a href=\"#nx-sec-pg-nx-gra-a-p02-ab-frame\"><span>05<\/span>Reinsurance and Catastrophe: the\u2026<\/a><a href=\"#nx-sec-pg-nx-gra-a-p02-ab-bound\"><span>06<\/span>What Reinsurance and Catastrophe\u2026<\/a><a href=\"#nx-sec-publisher-and-status\"><span>07<\/span>Who is responsible, and what state\u2026<\/a><a href=\"#nx-sec-legal-limitations\"><span>08<\/span>What the platform does not do<\/a><\/div><\/nav> <div class=\"nx-signals\" role=\"group\" aria-label=\"Reinsurance and Catastrophe in figures, from the registry\"><div class=\"nx-container\"><dl><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd class=\"nx-metric\" data-count=\"true\">8<\/dd><dd class=\"nx-metric-note\">Canonical methods this field applies<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd class=\"nx-metric\" data-count=\"true\">8<\/dd><dd class=\"nx-metric-note\">Subject pages in the field<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd class=\"nx-metric\" data-count=\"true\">11<\/dd><dd class=\"nx-metric-note\">Platforms in shared fields at GCRI, GRF and GRA<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd class=\"nx-metric\" data-count=\"true\">2<\/dd><dd class=\"nx-metric-note\">Nexus Reports series it contributes to<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><\/dl><\/div><\/div><section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Reinsurance and Catastrophe is a specialist platform of The Global Risks Alliance for insurance and catastrophe, climate and hazards, and disaster and crisis. Its mandate covers reinsurance, catastrophe modelling, protection gaps and accumulated physical risk in the insurance system. GRA publishes it, answers for its content and takes no decision on anyone's behalf. It is in development at service level R0, and activities open as each is ready.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"signals\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/about\/#signals\" data-nxf-title=\"Platform signals\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Mandate to authority.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Canvas<\/strong> \u00b7 mandate to authority<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p02-governance-t nx-dag-a-p02-governance-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p02-governance-t\">How Reinsurance and Catastrophe is governed<\/title><desc id=\"nx-dag-a-p02-governance-d\">A mandate sets the platform's scope; an editor and reviewers govern what it publishes; programmes and the community supply the work; the integrity route handles corrections; authority over decisions stays outside. Design of the governance, not a record.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>How the platform is governed, from its mandate to the authorities who decide. Design, not a record.<\/span><\/p><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"systemic\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Hazards and exposure in the Gulf of Mexico coast.<\/h2><p class=\"nx-lede\">For industry scope and publisher, in GRA's spatial-finance reading, the map opens on night lights, population density and flood water with built-up and settlement extent from NASA GIBS, framed on the Gulf of Mexico coast; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"gulf-coast:risk\" data-ml-points=\"on\" data-ml-src=\"risk\" data-ml-plan=\"p-400fe694\"><div class=\"nx-wm\" data-nx-water=\"ctx-risk\" data-wm-domain=\"ctx-risk\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-98,24,-80,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Hazards and exposure, the Gulf of Mexico coast: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,people||||\" aria-pressed=\"false\">People and floods<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,ntl||||\" aria-pressed=\"false\">Floods and lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Hazards and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies, last day<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"imerg\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-short=\"Precipitation\" data-wm-prov=\"NASA GES DISC\" data-wm-kind=\"Satellite estimate, near real time\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Precipitation rate, daily mean<\/span><span class=\"nx-wm-layer-src\">NASA GES DISC GPM IMERG \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"imerg\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For industry scope and publisher, in GRA's spatial-finance reading, the map opens on night lights, population density and flood water with built-up and settlement extent from NASA GIBS, framed on the Gulf of Mexico coast; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gpm.imerg\">GPM IMERG precipitation, NASA Precipitation Processing System; distributed by the NASA Goddard Earth Sciences Data and Information Services Center (GES DISC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: NASA EONET Events are indicative, not official warnings.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Active fires and thermal anomalies, last day: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>Precipitation rate, daily mean: GPM IMERG, NASA GES DISC \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/about\/#map\" data-nxf-title=\"Reinsurance and Catastrophe live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-industry-scope\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Industry scope<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Reinsurance, catastrophe modelling and accumulated physical risk.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">The platform covers reinsurance, catastrophe modelling, protection gaps and accumulated physical risk in the insurance system. Its methods are natural catastrophe modelling, exposure aggregation, and the study of recovery and uncertainty.<\/p><p class=\"nx-p\">Its subject community is reinsurance analysts, catastrophe modellers, actuaries and insurance risk teams. Actuarial methods in general are the subject of GRA's <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/\">Actuarial and Quantitative Risk<\/a> platform; primary insurance is the subject of the Insurance Nexus.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"passport\" data-nxf-kind=\"passport\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/about\/#passport\" data-nxf-title=\"Source passports\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-a-p02-ab-frame\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Field and frame<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Reinsurance and Catastrophe: the field and the rules it is read against.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Reinsurance and Catastrophe is a GRA platform in development. Its thesis concerns reinsurance, catastrophe modelling, protection gaps and accumulated physical risk in the insurance system. It serves catastrophe modellers, reinsurance underwriters and brokers' analysts, ILS fund risk teams and hazard scientists working with insurers.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Standard setter<\/th><th>Instrument that frames the work of Reinsurance and Catastrophe<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Standard setter\">IAIS<\/td><td data-label=\"Instrument that frames the work of Reinsurance and Catastrophe\">ICS and climate application paper<\/td><\/tr><tr><td data-label=\"Standard setter\">EIOPA<\/td><td data-label=\"Instrument that frames the work of Reinsurance and Catastrophe\">Solvency II internal model and nat-cat standard formula calibration<\/td><\/tr><tr><td data-label=\"Standard setter\">Lloyd's and market bodies<\/td><td data-label=\"Instrument that frames the work of Reinsurance and Catastrophe\">realistic disaster scenario practice<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a-p02-ab-bound\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Boundary<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What Reinsurance and Catastrophe never discusses or produces.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Rates-on-line or prices, in any Reinsurance and Catastrophe setting.<\/li><li>Capacity views, in any Reinsurance and Catastrophe setting.<\/li><li>Placement or broking, in any Reinsurance and Catastrophe setting.<\/li><li>Ratings of cat bonds, in any Reinsurance and Catastrophe setting.<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-publisher-and-status\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Publisher and status<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Who is responsible, and what state the platform is in.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Item<\/th><th scope=\"col\">Fact<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Item\">Publisher<\/td><td data-label=\"Fact\">The Global Risks Alliance (GRA), a nonprofit business league<\/td><\/tr><tr><td data-label=\"Item\">Platform status<\/td><td data-label=\"Fact\">In development: a candidate platform being built at its canonical root<\/td><\/tr><tr><td data-label=\"Item\">Service level<\/td><td data-label=\"Fact\">R0: information and enquiries<\/td><\/tr><tr><td data-label=\"Item\">Contact<\/td><td data-label=\"Fact\"><a class=\"nx-link\" href=\"mailto:research@globalriskalliance.com?subject=Reinsurance%20and%20Catastrophe%3A%20enquiry\">research@globalriskalliance.com<\/a> for research; <a class=\"nx-link\" href=\"mailto:membership@globalriskalliance.com?subject=Reinsurance%20and%20Catastrophe%3A%20membership\">membership@globalriskalliance.com<\/a> for membership interest<\/td><\/tr><tr><td data-label=\"Item\">Address<\/td><td data-label=\"Fact\">4500 Forbes Blvd., Suite 200, Lanham, MD 20706, United States<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-legal-limitations\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Legal limitations<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">What the platform does not do.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>It does not underwrite, reinsure, broker, place or price any risk.<\/li><li>It does not advise on, solicit or arrange transactions, including risk transfer to capital markets, and it does not introduce counterparties.<\/li><li>It takes no transaction-based pay and does not rate insurers or reinsurers.<\/li><li>It does not endorse or certify catastrophe models or vendors.<\/li><li>It does not exchange competitively sensitive information such as prices, capacity or terms. Its <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/membership\/competition-law\/\">competition-law safeguards<\/a> are designed and set out in a written policy that counsel reviews before membership opens.<\/li><\/ul><p class=\"nx-note nx-mt-3\">Compliance questions can be sent to <a class=\"nx-link\" href=\"mailto:compliance@globalriskalliance.com?subject=Reinsurance%20and%20Catastrophe%3A%20compliance%20question\">compliance@globalriskalliance.com<\/a>. Governance routes are on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-development-path\" class=\"nx-section\" data-hue=\"systemic\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Development path<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">How the platform opens.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Charter and editor<\/h3><p class=\"nx-p nx-mt-1\">A distinct charter and an expert editor for catastrophe risk.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">First evidence<\/h3><p class=\"nx-p nx-mt-1\">Explainers starting with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/topics\/catastrophe-models\/\">catastrophe models<\/a> and protection gaps.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Community<\/h3><p class=\"nx-p nx-mt-1\">Membership routes when terms, safeguards and review capacity exist.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Service level R0<\/td><td data-label=\"Definition\">The current service level of Nexus pages: information and enquiries only. An enquiry receives a reference and a named next step; it creates no membership, contract, assignment or commitment.<\/td><\/tr><tr><td data-label=\"Term\">Conflict of interest<\/td><td data-label=\"Definition\">A situation in which financial, professional or personal interests could compromise, or appear to compromise, judgement in research or review.<\/td><\/tr><tr><td data-label=\"Term\">Reinsurance<\/td><td data-label=\"Definition\">Insurance bought by insurers to transfer part of their risk to another carrier, limiting the effect of large or accumulated losses on their capital.<\/td><\/tr><tr><td data-label=\"Term\">Catastrophe model<\/td><td data-label=\"Definition\">Software that combines hazard, exposure and vulnerability modules to simulate many possible events and estimate the distribution of insured loss.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Where this page's references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/www.iais.org\/activities-topics\/standard-setting\/icps-and-comframe\/\"><span>IAIS Insurance Core Principles and ComFrame, including the Insurance Capital Standard (adopted December 2024)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2009\/138\/oj\"><span>Solvency II Directive 2009\/138\/EC as amended by the 2025 review (apply from 30 January 2027)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/oasislmf.org\/\"><span>Oasis Loss Modelling Framework (open-source catastrophe modelling)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-13-sec\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Why is this a GRA platform?<\/summary><div class=\"nx-answer\">Because it concerns how the financial services industry understands catastrophe risk. Hazard science itself is done by GCRI.<\/div><\/details><details><summary>When will the platform open?<\/summary><div class=\"nx-answer\">No date is set. It opens in stages as its charter, editor, safeguards and content are in place.<\/div><\/details><details><summary>Can a catastrophe model vendor take part?<\/summary><div class=\"nx-answer\">Vendors can take part in research under the same safeguards as other participants. Taking part implies no endorsement.<\/div><\/details><details><summary>Does the platform use members' claims or exposure data?<\/summary><div class=\"nx-answer\">Not without clear written terms. Exposure, pricing and claims data are competitively sensitive. Research relies on public data and on data shared under terms that protect policyholders and competition.<\/div><\/details><details><summary>Can participation be cited as recognition of a model or firm?<\/summary><div class=\"nx-answer\">No. Taking part confers no endorsement, approval, rating or regulatory standing.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-14\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-14\" class=\"nx-h3 nx-mt-2\">Around Reinsurance and Catastrophe.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/sector\/\">Financial discipline overview <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/research\/\">Professional research <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/innovation\/\">Technology and emerging practices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/readiness\/\">Resilience and finance readiness <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/programmes\/\">Research and industry programmes <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/tools\/\">Analytical and data resources <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/\">Reinsurance and Catastrophe home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Reinsurance and Catastrophe<\/span><h2 id=\"nx-close-15\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Reinsurance%20and%20Catastrophe%3A%20Industry%20scope%20and%20publisher\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/about\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/about\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Why is this a GRA platform?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because it concerns how the financial services industry understands catastrophe risk. 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