From raw NWS alerts to published intelligence — a three-layer platform that aggregates, curates, and distributes catastrophe event data to insurers, reinsurers, and regulators worldwide. Available as a fully integrated CAT Sentinel module or as a standalone data offering.
The industry prices catastrophe risk using static, historical models updated annually — against a peril landscape that is accelerating weekly. The result: structural underpricing, poor risk selection, and mounting loss ratio surprises.
Black-box models produce wide uncertainty bands. Underwriters price risk with low conviction, leading to adverse selection, portfolio accumulation, and loss ratio volatility.
Competitor models are updated once or twice per year. A peril trend that starts accelerating in January is invisible to the model until the following year's refresh — by which time the damage is done.
Post-event intelligence is locked inside individual carriers. The industry collectively under-learns from catastrophes because there is no shared, structured library of real-world outcomes.
Models assume generic mitigation factors. Nobody tracks whether storm shutters, defensible space, or roof reinforcement actually reduced claims in a specific event — so the data is never used to reward policyholders or improve selection.
CAT Event Book™ is the living library at the centre of a three-layer architecture — built to replace theoretical projections with verified, real-world catastrophe intelligence.
The internal curation engine. Ingests NWS alerts, crowdsourced field reports, damage photography, and satellite imagery. Loss signal data is carrier-owned — CAT Admin receives only aggregated, anonymised event-level indicators voluntarily shared by carriers through a secure data-exchange programme. QA-approved and structured before publication.
The published intelligence product. A continuously updated, multimedia library of global catastrophe events — structured for actuarial precision, underwriting decisions, and regulatory reporting.
Route A: CAT Sentinel subscribers get Event Book intelligence fully integrated into their underwriting platform. Route B: Any carrier can subscribe to the standalone Data API — no Sentinel required.
A four-stage pipeline: ingestion and curation in CAT Admin, structuring and publication into the Event Book™, distribution through CAT Sentinel for platform subscribers, and the standalone Data API for independent data customers.
The engine room. CAT Admin is the internal curation, quality assurance, and publication platform that transforms raw catastrophe event signals from dozens of sources into structured, verified intelligence ready for the Event Book™.
CAT Admin aggregates from 9 source categories, each with its own ingestion pipeline, validation rules, and enrichment logic.
Every record travels through a 6-stage curation pipeline before it is approved for publication to the Event Book™.
The living library of global catastrophe events. A continuously updated, multimedia intelligence publication — structured for actuarial precision, underwriting decisions, scenario simulation, and regulatory reporting. Not a model. A record of what actually happened, and what it means for pricing.
Each advantage maps directly to a measurable improvement in underwriting precision, pricing accuracy, or portfolio performance.
The annual publication is structured into 7 chapters, each independently citable and available via the Data API as a separate endpoint.
Unlike traditional text-only event databases, every record in the Event Book™ can carry multiple evidence types — making it a richer resource for actuarial calibration and underwriting decision support.
For carriers on the full CAT Sentinel platform, the Event Book™ is not a separate product — it is the intelligence layer that powers every screen, every signal, and every AI recommendation. Event Book data flows directly into all 12 map layers, the underwriting signal register, the AI chat, and the CAT Chronicles.
Every CAT Sentinel subscription includes full access to the Event Book™ publication, all 7 chapters, the real-time signal feed, and the AI assistant grounded in Event Book intelligence. The Event Book™ is what makes the signals in CAT Sentinel defensible — it is the evidence base for every underwriting recommendation the platform makes.
The Event Book™ is not just a feature of CAT Sentinel — it is a standalone data product. Any insurance carrier, MGA, reinsurer, broker, regulator, or InsurTech can subscribe to the Event Book™ Data API without subscribing to the CAT Sentinel underwriting platform. This opens a second, independent revenue stream and a significantly larger total addressable market.
Any organisation that prices, transfers, or regulates catastrophe risk — whether or not they use CAT Sentinel for underwriting.
Four tiers from individual chapter access to full enterprise licensing with white-label rights.
REST API with JSON responses. Full OpenAPI spec provided at onboarding. All endpoints versioned and backward-compatible.
A direct comparison across the 8 dimensions that determine actuarial utility and underwriting value.
| Dimension | CAT Event Book™ | Traditional Models | Competitor Data Feeds |
|---|---|---|---|
| Data Source | ✓ Enriched multimedia · crowdsourced · continuously updated | ✗ Static, historical event databases | ~ Real-time but limited to alerts only |
| Update Frequency | ✓ Real-time · event-driven webhooks | ✗ Annual or biannual refresh | ~ Real-time alerts · no enrichment |
| Model Calibration | ✓ Real-world impact data · scenario simulation library | ✗ Theoretical projections only | ✗ Alert data only · no event-level loss signals |
| Pricing Accuracy | ✓ 20% improvement demonstrated | ~ Baseline accuracy · high uncertainty bands | ✗ Not a pricing tool |
| Mitigation Integration | ✓ Tracks real ROI by action and event | ✗ Generic engineering assumptions | ✗ No mitigation data |
| Transparency | ✓ Plain-language reporting · Ethical AI dashboard | ✗ Black-box models · opaque assumptions | ~ Transparent on data · not on scoring |
| Collaboration | ✓ Multi-stakeholder hub · contribute & receive | ✗ Siloed · no sharing mechanism | ✗ One-way data feed |
| Standalone API | ✓ Full REST API · 4 subscription tiers | ✗ No API offering | ~ Limited API · single data type |
The long-term vision for CAT Event Book™ is the same position Bloomberg occupies in financial markets, or what PERILS occupies in European CAT — the independently trusted, universally cited, continuously updated intelligence standard for global catastrophe risk.
CAT Event Book™ is that source — a living, multimedia, continuously enriched library of real-world catastrophe events. Built on CAT Admin's rigorous curation pipeline, distributed through CAT Sentinel for the underwriting market and independently through the Data API for the broader insurance ecosystem. Two revenue streams. One defensible moat. An industry standard in the making.