Huscarl assessment

Over-insurance across all lines

• $50M limit inconsistent with maximum loss of $25M due to a severe flood scenario
• Over-paying commercial premium

  Self-insure this layer through your captive
• Well-calibrated deductibles

  All infrequent scenarios (4% probability or less) are covered

Huscarl Recommendations

• Set overall limit to $25M

  Remove useless coverage layer between $25M and $50M
• Self-insured through captive

  Layer brought in-house, commercial premium saved
• Install sprinklers

  Initial investment makes sense due to massive reduction of fire risk (-65% severity) and premiums

Reading the Huscarl Risk Map

• The larger the losses linked to a risk, the larger the coloured zone

• The more frequent a loss scenario, the darker the colour

• The insurance zone is represented by a solid line, and the coverage gap by a dashed line