ScyAI · AI risk intelligence for asset-heavy companies

Your insured value is rarely your real exposure.

67%

Claims refused because of coverage gaps.

Two in three losses were paid short, or not at all, once the wording was read against the site.

Gallagher Research, 2024

22%

Of premium goes to expenses, admin and insurer profit.

Paid on every renewal, whether or not the cover behind it matches what you own.

Lloyd’s Aggregate Accounts, 2025

5×

Real exposure can run five times the limit you insured for.

What independent engineers find once a site is assessed, often undetected for years.

Case study · European mining company

Build your digital twin.

ScyAI connects your company records with external hazard data to model your assets, risks and controls in one digital twin.

NAME TWIN MATURITY TYPE LOCATION LAST EDITED

Seattle components plant 9.4 Components

Seattle, US March 5th, 2026

Boise data centre 8.1 Data centre

Boise, US March 2nd, 2026

Boston head office 7.8 Head office

Boston, US February 19th, 2026

Basel R&D centre 7.2 R&D centre

Basel, CH February 11th, 2026

Frankfurt data centre 6.4 Data centre

Frankfurt, DE January 28th, 2026

Pune warehouse 5.6 Warehouse

Pune, IN January 9th, 2026

LOCATIONS/BASEL HQ1

Basel HQ1

Overview Risk areas Policy gaps Risk change Open obligations History

Policy gaps

Whether the insurer is covering the asset you actually own.

Declared-value basis requires reconciliation

·Due: 08/10/26

Policy schedule:
Reality:

BI indemnity period may end before recovery

·Due: 08/10/26

Policy schedule:
Reality:

Flood sublimit below modelled loss

·Due: 08/10/26

Policy schedule:
Reality:

New battery storage not in occupancy

·Due: 08/10/26

Policy schedule:
Reality:

Supplier may fall outside the CBI extension

·Due: 08/10/26

Policy schedule:
Reality:

Protective-safeguards condition unproven

·Due: 08/10/26

Policy schedule:
Reality:

Risk change indicators

Flood zone reclassified 1-in-100 → 1-in-50

Action

This change is notifiable. Under policy condition 8.2 (material change of risk), the insurer must be informed within 15 days of detection.

Detection logged 9 May 2026; disclosure deadline 24 May 2026. 2 days remaining.

Executive Summary

The site’s flood return period has been revised from a 1-in-100-year to a 1-in-50-year classification following the Environment Agency’s National Flood Risk Assessment published on 14 April 2026¹.

The update incorporates revised rainfall return periods from the Met Office UKCP18 climate projections² and updated catchment hydraulic modelling commissioned by the lead local flood authority³. In practical terms, the annual probability of a major flood at this site has doubled — from 1% to 2% — relative to the position at bind.

Comparable reclassifications in the region have historically resulted in 12–18% premium loading at renewal where on-site mitigation has not been updated⁴.

Sources

[1]Environment Agency. National Flood Risk Assessment, 14 April 2026
[2]Met Office. UKCP18 Climate Projections, March 2026 update
[3]Bovolo, C. I., Parkin, G., & Wagner, T. (2009). Initial Assessment of the Climate of Guyana and the Region with a Focus on Iwokrama. School of Civil Engineering & Geosciences, Newcastle University.
[4]Halcrow. Catchment Hydraulic Model for Lead Local Flood Authority, 2026
[5]ScyAI. Regional flood reclassification pricing benchmark, March 2026

Computed from the twin.

Hazard models

Risk profile per peril. Flood, wildfire, heat and 28 more, modelled from the terrain up.

Located evidence2 observations · 61 kt

Aggregate context329 reports

Supplied maximum87 kt

Closest located evidenceTrack ≈3 km · point ≈7.5 km

Observed gust severity61 kt at both located observations

Directional exposureSupplied bearing runs southwest → northeast

Summary

The field is an illustrative screen constrained by supplied totals and two located observations; it is not observed report density.

Synthetic locations distribute the unlocated aggregate for visual exploration.
Not a wind climatology, probability surface, or validated hazard model.

PDBI

See what’s missing and add the evidence ScyAI needs to help you prepare for what comes next.

NAME LOCATION

Detroit head office Detroit, US

Houston chemical plant Houston, US

Rotterdam distribution centre Rotterdam, NL

Izmir assembly plant Izmir, TR

Osaka cold-storage warehouse Osaka, JP
Risks, documented. The evidence file for each risk already exists ahead of renewal.
Coverage that fits. Cover mapped to your actual risks and controls.

11Coverage drift

4Critical

3Mismatch

4Opportunity

Decision-ready reports. Renewal packages for your broker, your board and your lenders.

1 / 4

Renewal package · Prepared for your broker

Property renewal 2026–27

There are three renewal options on the table. Each was benchmarked against the digital twin of all twelve sites, covering $184M of insured value.

Alternative 2 closes seven of the eleven open coverage gaps for a $5,000 premium increase and is recommended. Alternative 1 lowers the premium but raises the deductible to $50K at every site, which leaves the Houston plant exposed on flood.

Total insured value: $184M
Current premium: $52,000
Recommended: Alternative 2
Gaps closed: 7 of 11

Renewal options

Option	Premium	Limit	Deductible	Key difference
Current renewalCarrier A	$52,000	$5M	$25K	Same structure
Alternative 1Carrier B	$47,500	$5M	$50K	Lower premium, higher deductible
Alternative 2Carrier C	$57,000	$10M	$25K	Greater protection

Premiums are annual and exclude taxes and broker fees. Limits are per occurrence across the schedule; deductibles apply per site and per event.

2 / 4

Coverage gap analysis

Eleven clauses drift from what you operate

Every clause in the expiring policy was tested against the twin. Four gaps are critical, three are mismatches between declared and replacement values, and four are opportunities to earn credits.

Findings

CriticalFlood sublimit missingHouston chemical plant · $12.4M exposed

MismatchDeclared value below replacement costRotterdam distribution centre · $3.1M gap

OpportunitySprinkler upgrade earns a rate creditIzmir assembly plant · est. $2,800

CriticalIndemnity period shorter than rebuild timeSeattle components plant · 6 vs 11 months

Mismatch2025 roof replacement not on the scheduleOsaka cold-storage warehouse · $0.9M

Exposure vs limit

Houston chemical plant$12.4M

Rotterdam distribution centre$3.1M

Izmir assembly plant$2.2M

Osaka cold-storage warehouse$1.6M

Exposure is the replacement cost the twin computes for each site; limit is the sublimit the expiring policy applies to it. Red marks exposure above limit.

3 / 4

Recommended actions

Bind Alternative 2 before 30 September

The recommended package raises the limit to $10M for a $5,000 premium increase. Two actions close the remaining critical gaps before binding.

Recommended actions

1. Move to Alternative 2 before the 30 Sep binding date.

2. Add flood sublimit for Houston chemical plant.

Timeline

12 Sep · Broker circulates Alternative 2 terms to lenders.

19 Sep · Board approves the premium increase.

30 Sep · Binding deadline; expiring policy lapses at midnight.

Assumptions

Replacement costs use Q3 2026 construction indices for each region.

Flood modelling uses the 1-in-200-year fluvial and pluvial return periods.

Carrier quotes are valid for 30 days from issue.

Prepared from the digital twin as of 4 September 2026. Figures are illustrative pending carrier confirmation.

4 / 4

Appendix

Site schedule

The twelve sites covered by this renewal, with the twin maturity of each site and the total insured value declared for each.

Facilities

Site	Twin maturity	Insured value	Location
Seattle components plant	9.8	$32.0M	Seattle
Houston chemical plant	7.6	$41.5M	Houston
Rotterdam distribution centre	7.2	$18.2M	Rotterdam
Izmir assembly plant	6.1	$22.8M	Izmir
Osaka cold-storage warehouse	5.9	$14.6M	Osaka
Detroit assembly plant	9.4	$28.3M	Detroit
Denver warehouse	7.9	$9.8M	Denver
Phoenix plant	7.4	$11.2M	Phoenix
Atlanta warehouse	6.6	$5.6M	Atlanta

What changes when your insurance is built on evidence.

Every premium is a capital decision. ScyAI helps you price retained risk, transferred risk and the value of controls.

Know the risk you actually carry

A digital twin of every asset shows where risk sits, what drives it and which mitigations matter.

Buy protection that matches reality

Cover priced for the risks you actually carry, with your controls and mitigations taken into account.

Give the market a risk it can understand

The same evidence becomes an underwriting case the market can verify and price.

Give your insurance team the full picture. Six problems teams usually start with.

We need to know what a major loss would cost us.

Learn more

We need to decide how much risk to carry.

Learn more

Our insurance programme needs to fit our business.

Learn more

We need to know our policy will respond.

Learn more

We can’t fix every risk at once.

Learn more

Our renewal is coming. We need a stronger case.

Learn more

You know your business. Does your insurer?

Your insured value is rarely your real exposure.

Claims refused because of coverage gaps.

Of premium goes to expenses, admin and insurer profit.

Real exposure can run five times the limit you insured for.

Build your digital twin.

The evidence

Your digital twin

Your coverage

Send the files you already have. ScyAI builds your digital twin. Risks and controls, traced to evidence. You walk into renewal ready.

What changes when your insurance is built on evidence.

Know the risk you actually carry

Buy protection that matches reality

Give the market a risk it can understand

Give your insurance team the full picture. Six problems teams usually start with.

We need to know what a major loss would cost us.

We need to decide how much risk to carry.

Our insurance programme needs to fit our business.

We need to know our policy will respond.

We can’t fix every risk at once.

Our renewal is coming. We need a stronger case.

Notes on risk and insurance.

You know your business.
Does your insurer?