WarRisk — Global War-Risk Intelligence

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WarRisk Global War-Risk Intelligence

● Sample Dataset

Why insurers say no — and how WarRisk changes that

Insurers don't avoid war zones because they hate risk. They avoid risk they can't measure. When someone asks them to insure a construction project in Ukraine, they see a black box — no way to know which sites are genuinely dangerous versus which ones are relatively safe. So they say no to everything. It's easier than guessing.

WarRisk opens the black box. It gives the insurer three things they didn't have before:

A number. Instead of "Ukraine is dangerous," the insurer sees "this warehouse in Lviv scores 31 out of 100 — 400km from the front, low strike density, priceable." That's something they can work with.

A defined exit. Parametric triggers tell the insurer their maximum exposure before they sign. "If satellite confirms X damage, you pay Y — nothing more." Open-ended claims in a war zone are terrifying. A capped, automatic trigger is not.

24/7 monitoring. WarRisk watches the conflict data continuously and alerts both sides the moment a trigger condition is met. The insurer doesn't have to wonder if conditions changed — we tell them.

WarRisk doesn't make Ukraine less dangerous. It makes the danger measurable and bounded. That's the difference between a no and a policy.

The Problem

Reconstruction companies won't enter a war zone without insurance. Banks won't lend. Investors won't commit. But standard insurance excludes war by default — and the specialized war-risk market is opaque, slow, and only accessible to companies with the right broker relationships. The result: billions in reconstruction sits frozen while buildings stay rubble.

The Bucket — and why it's not enough

Insurance is a shared risk pool. Businesses pay a premium into the bucket. When something bad happens, the bucket pays out. The insurer manages the bucket, prices the risk, and keeps a margin.

War risk breaks the model. One missile strike can drain the entire bucket at once. Insurers can't spread that across thousands of unrelated customers the way they do for car accidents. So they either refuse, charge prohibitively, or require so much paperwork that it takes months — while the war keeps going.

The fix: Parametric insurance

Traditional insurance pays out after someone proves their loss — which means sending an adjuster into an active war zone, waiting months, and arguing over damage estimates.

Parametric insurance skips all of that. Instead of "prove your loss," the policy says: "If satellite imagery confirms ≥25% structural damage to your asset, you get paid automatically within 10 business days. No adjuster. No argument."

The trigger is agreed upfront. When it fires, money moves. That's it.

Where WarRisk fits — the intelligence layer

WarRisk doesn't hold the bucket. That's still the insurer — Lloyd's syndicates, reinsurers, government-backed facilities. WarRisk is the brain that makes the bucket functional in places it was too scared to go before.

📍 Location
project coordinates

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🧠 WarRisk
scores the risk

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📋 Policy
insurer sets terms

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👁 Monitor
continuous watch

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⚡ Trigger
auto alert + payout

WarRisk tells the insurer what to charge and defines the trigger terms. WarRisk watches the conflict data 24/7. When the threshold is crossed, WarRisk fires the alert to both sides simultaneously — the insured knows they're getting paid, the insurer knows exactly why, and there's a full data package to back it up. No surprises. No disputes.

Why global — and why now

Conflict isn't one war anymore. Ukraine. Gaza. Sudan. The Black Sea. The Gulf of Hormuz. The Red Sea. Every one of these has reconstruction needs, shipping lanes, and infrastructure that somebody needs insured — and nobody has built a single platform that covers all of them.

The same risk intelligence engine works everywhere. The data sources are global. The parametric structure is the same. The insurers at Lloyd's already cover multiple conflict zones — they just need better tools to price and monitor them confidently. That's what WarRisk provides.

The business model — simply

WarRisk charges a platform fee — either a percentage of the premium it helps price, or a SaaS fee from the insurer or broker using the intelligence. We never hold risk capital. The bucket belongs to Lloyd's. The brain belongs to WarRisk.

Think of it like the difference between owning the cars and owning the dispatch system. Uber didn't need to buy a fleet. WarRisk doesn't need to be an insurance company.

Project Parameters

Latitude

Longitude

Asset Type

Insured Value (USD)

Click anywhere on the map to set location

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Click a location on the map or enter coordinates, then generate a risk assessment.

Conflict events shown are from ACLED (Armed Conflict Location & Event Data). Parametric triggers use satellite imagery confirmation — no adjuster needed in conflict zones.