Non-Life Earthquake Risk Grouping Simplification

Calculate the Earthquake Grouped Sum Insured instantly.

Group	Sum Insured	Highest Risk Weight	Weighted Sum Insured
Earthquake Group 1	Earthquake group 1 sum insured€	Earthquake group 1 risk weight%	€0(0.50%)
Earthquake Group 2	Earthquake group 2 sum insured€	Earthquake group 2 risk weight%	€0(0.00%)
Earthquake Group 3	Earthquake group 3 sum insured€	Earthquake group 3 risk weight%	€0(0.00%)
Earthquake Group 4	Earthquake group 4 sum insured€	Earthquake group 4 risk weight%	€0(0.00%)
Earthquake Group 5	Earthquake group 5 sum insured€	Earthquake group 5 risk weight%	€0(0.00%)
Earthquake Group 6	Earthquake group 6 sum insured€	Earthquake group 6 risk weight%	€0(0.00%)
Earthquake Group 7	Earthquake group 7 sum insured€	Earthquake group 7 risk weight%	€0(0.00%)
Earthquake Group 8	Earthquake group 8 sum insured€	Earthquake group 8 risk weight%	€0(0.00%)
Earthquake Group 9	Earthquake group 9 sum insured€	Earthquake group 9 risk weight%	€0(0.00%)
Earthquake Group 10	Earthquake group 10 sum insured€	Earthquake group 10 risk weight%	€0(0.00%)

Earthquake Grouped Sum Insured

€6 000

1Step 1

Weight each earthquake group by the highest risk weight in that group

Weighted_i=SumInsured_i\times RiskWeight_i

2Step 2

Sum weighted groups to produce the grouped sum insured simplification

GroupedSI=\sum_i Weighted_i

Understand the Non-Life Earthquake Risk Grouping Simplification

Overview

Article 90b permits grouped natural catastrophe exposure data where the highest applicable risk weight is retained for each group.^[1]

Input Terms

Earthquake Group Sum Insured: The sum insured for each earthquake exposure group used in the Article 90b natural catastrophe simplification.^[1]^[2]
Earthquake Group Highest Risk Weight: The highest applicable earthquake risk weight assigned to the exposure group.^[1]^[2]

Technical Rationale

For earthquake, the grouped exposure remains Article 122-compliant only when each group retains the highest applicable earthquake-zone weight.^[2]

Important Notes

Grouping condition: The simplification should not understate earthquake exposure by combining zones with different risk weights unless the Article 90b highest-risk-weight rule is preserved.^[1]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in capital analysis, governance, or reporting decisions.