---
title: "Cyber Insurance Accumulation & PML Modeler"
method: POST
path: "/v1/tools/model_cyber_accumulation_pml"
tags: ["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

`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

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

## Request body

- object
  - `numRisks` number, required
  - `avgRevenue` number, required
  - `revDist` string
  - `sector` string
  - `avgLimit` number, required
  - `avgRetention` number
  - `avgPremium` number, required
  - `aggLimit` number, required
  - `mixRansomNum` number
  - `mixBreachNum` number
  - `mixBINum` number
  - `mixLiabNum` number
  - `mixFTFNum` number
  - `correlation` string
  - `cspConc` string
  - `scaExp` string

## Response `200`

Successful tool execution result

- object
  - `attritional_el_m` number: Attritional expected annual loss ($M)
  - `pml_1in100_m` number: Combined 1-in-100 PML ($M)
  - `pml_1in250_m` number: Combined 1-in-250 PML ($M)
  - `pml_1in100_pct_of_aggregate` number: 1-in-100 PML as % of aggregate limit
  - `accumulation_alert` boolean: True if 1-in-100 PML exceeds 25% of aggregate limit (Lloyd's RDS threshold)
  - `loss_ratio_stress_pct` object: Stressed loss ratio by return period

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)