cyber-insurance
accumulation-risk
PML
probable-maximum-loss
return-period
tail-risk
systemic-cyber
Lloyds-RDS
catastrophe-model
reinsurance
underwriting
insurtech
Zero-PII

Cyber Insurance Accumulation & PML Modeler

Estimate portfolio-level cyber insurance Probable Maximum Loss (PML) at multiple return periods by scenario type, using published industry severity curves by sector and coverage trigger (IBM/Ponemon 2024, FBI IC3 2024) and Lloyd's RDS 2024 systemic PML scalars. Computes attritional expected loss, systemic PML by return period, combined PML upper bound, loss-ratio stress, and an accumulation alert at >25% of the aggregate limit. Client-side. Works offline. Zero PII; synthetic aggregate inputs only.

Tool URL: https://ainumbers.co/tools/461-cyber-insurance-accumulation-modeler.html AP2/Policy Mandate export: yes

post/v1/tools/model_cyber_accumulation_pml

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/model_cyber_accumulation_pml
  • Auth: none declared

Request body

numRisksnumber required
avgRevenuenumber required
revDiststring
sectorstring
avgLimitnumber required
avgRetentionnumber
avgPremiumnumber required
aggLimitnumber required
mixRansomNumnumber
mixBreachNumnumber
mixBINumnumber
mixLiabNumnumber
mixFTFNumnumber
correlationstring
cspConcstring
scaExpstring

Response

Successful tool execution result

attritional_el_mnumber

Attritional expected annual loss ($M)

pml_1in100_mnumber

Combined 1-in-100 PML ($M)

pml_1in250_mnumber

Combined 1-in-250 PML ($M)

pml_1in100_pct_of_aggregatenumber

1-in-100 PML as % of aggregate limit

accumulation_alertboolean

True if 1-in-100 PML exceeds 25% of aggregate limit (Lloyd's RDS threshold)

loss_ratio_stress_pctobject

Stressed loss ratio by return period

Changes

No recorded changes to this operation across all 1 revision of this API.