Delphi-1.0 Actuarial Engine
Spatial Catastrophe Risk Intelligence for Commercial Underwriting
Real-time wildfire, flood, and storm dynamic pricing for MGAs, surplus lines brokers, and reinsurers — powered by satellite telemetry, ERA5 fuel dryness, and automated 5-mile PML solvency accumulation controls.
Wildfire Dynamic Rating
Real-time MODIS/VIIRS active fire hotspots, ERA5 soil dryness, and wind vector modeling for California WUI commercial properties.
Flood & Storm Engine
Elevation terrain modeling, atmospheric river precipitation accumulation grids, and inland flood plain inundation risk scoring.
5-Mile Grid PML Solvency Cap
Automated $25,000,000 Probable Maximum Loss accumulation caps per spatial cell — guaranteeing treaty solvency boundaries.
Real-Time Actuarial API Execution
Single Quote Cost: $0.15 USD | Guaranteed Latency: < 45ms
# Curl Request to VesperSpatial Rating Engine
curl -X POST "https://api.vesperspatial.com/api/v1/actuarial/quote/wildfire" \
-H "X-API-Key: vesper_live_prod_..." \
-H "Content-Type: application/json" \
-d {"policy_id": "DEMO_CA_NAPA_1001", "tiv_usd": 2500000.0}
Model Output Response
Click "Test Real Quote API" above to execute a live query.