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Des indemnisations déclenchées par des mesures auxquelles tous se fient.

L’assurance paramétrique paie quand un indice mesuré franchit un seuil : pluie trop faible, vent trop fort, rivière trop haute. Elle ne paie vite que si chaque partie fait confiance à la mesure. Des stations construites selon le guide de l’OMM, signées à la source et auditées, donnent aux assureurs, aux réassureurs et aux assurés le même chiffre.

Industrie

Assurance et finance

Mesures

4

Sources citées

5

1. Assurance et finance · Déclencheurs d’assurance paramétrique

   Money moves on a number

   Parametric insurance pays when a measured index crosses a threshold, so it can pay in days rather than months. That works only if insurers, reinsurers and policyholders all trust the measurement. Supervisors look closely at basis risk, transparency and fair treatment.

2. Ce qui est mesuré

   The index, measured

   Reference rain gauges, anemometers and river gauges measure the quantities the policy pays on, sited to represent the insured area and calibrated to traceable references. Tamper sensors in each enclosure record any opening. Every instrument keeps its calibration and position with the site record.

   Instruments

   Reference rain gauges · Anemometers · River gauges · Tamper sensors

3. Le nœud de base

   Signed at the source

   The node signs every reading at the source, computes the index exactly as the policy defines it, detects tampering from enclosure sensors and data patterns, and keeps a full archive so any payout can be reproduced by any party. Every value is signed at the node before it leaves.

4. Radio et liaisons

   Reporting through the event

   Stations report over cellular where coverage exists, with a satellite path that keeps data flowing through the storms and floods the policy covers. All parties read the same signed index through the same interface. When one path fails, the other carries the data.

   Liaisons

   Réseau mobile public · Satellite

5. Comment ça marche

   From a failed season to a payout

   The rainy season fails across an insured district. The rainfall index accumulates below the trigger by the policy’s end date; the signed calculation is released to insurer, reinsurer and farmer groups, and payouts reach farmers within days, before they must sell assets.

6. De la commande à l’exploitation · Commande

   Scope the index with the insurer

   The scope reads the policy design, insured areas, the index definition and the basis risk analysis. Nexus Observatory Inc. returns the station plan, index calculation, audit design and a price per station and per year. The scope is agreed before any site work begins.

   Planifier un déploiement

7. De la commande à l’exploitation · Relevé

   Survey for representativeness

   Crews survey candidate sites for how well they represent the insured area, exposure to the WMO siting classes, security, power and backhaul. Findings feed the basis risk analysis. Findings shape the kit for each site before anything is built. Every finding is kept with the site record for the crews who follow.

8. De la commande à l’exploitation · Autorisations

   Land and agreements

   Land agreements protect each site, and the insurer, reinsurer and policyholder representatives agree the data rules and dispute process. Every agreement is kept with the programme record. No crew goes to site before its approvals are in place. Approvals are tracked site by site, so nothing waits unseen.

9. De la commande à l’exploitation · Fabrication

   Build and calibrate

   Sensors are calibrated against traceable references, enclosures fitted with tamper sensors, nodes enrolled with their identities and signing keys, and stations run together before shipping. Nothing ships until the whole kit has passed its tests together. Test results travel with the kit to the site.

   Ouvrir le configurateur de stations

10. De la commande à l’exploitation · Installation

    Install and secure

    Crews install stations to the siting classes, secure enclosures and fences, connect power and both backhaul paths, and record every part with photographs witnessed by the parties where required. Crews follow the site safety plan throughout the work. The site record is updated before the crew leaves.

11. De la commande à l’exploitation · Mise en service

    Commission and witness

    Chaque nœud prouve son identité. Readings are compared with a travelling reference and nearby official stations, the index calculation is tested against history, and parties witness the results. Acceptance is recorded with the owner before handover. Results are signed and kept with the site record.

12. De la commande à l’exploitation · Exploitation

    Pay on the index

    All parties see the index as it accumulates. When it crosses the trigger, the calculation and signed readings are released together, and payouts move in days, not months. Every alert and action is kept on the record. Reports for owners and funders come from the same record.

13. De la commande à l’exploitation · Maintenance

    Audit and recalibrate

    Stations are recalibrated on the agreed plan, audits check data integrity and availability, software is updated in rings, and every change is recorded so any past index can be reproduced. Maintenance history stays with each site for its whole life.

    Réserver des services sur le terrain

14. Produits de données

    For insurers, policyholders and supervisors

    Insurers, reinsurers and policyholders receive signed index values; claims and finance teams receive trigger notifications; supervisors and auditors receive audit trails; product designers receive basis risk reviews, each tied to station and period. Every product can be traced back to its readings.

    Voir les produits de données

15. Preuves

    Trusted by every party

    Measurements follow the WMO instrument and hydrological guides, data integrity follows the information security standard, and the programme answers supervisors’ concerns on index-based insurance and fair claims handling. Every reading is signed and archived. The record is kept for as long as the duty lasts.

    Référentiels

    Issues Paper on Index-based Insurances · Insurance Core Principles · WMO-No. 8 · WMO-No. 168 · ISO/IEC 27001

16. Ce que vous obtenez

    Flux de mesures indépendants pour les déclencheurs paramétriques

    Des flux de mesures étalonnés et inviolables qu’un porteur de risque peut désigner comme source d’indice. Le groupe ne souscrit aucune assurance et ne prend aucune décision de paiement. Fourni sous forme de licence de données, pour insurers, reinsurers, brokers, risk pools. Scale: Portfolio scale. Service levels are written as numbers you can measure on your own dashboard.

    Parler aux ventes

17. Étape suivante

    Planifier avec nous : déclencheurs d’assurance paramétrique

    Tell us the site, the measurements and the rules it answers to. We reply with a survey proposal, a design and a scope for parametric insurance triggers. An engineer replies with a survey proposal and a scope, and the plan grows from one site to the network you need, at your pace.

    Planifier un déploiementOuvrir le configurateur de stationsOuvrir le Studio

01Le lieu et ses dangers

Où il fonctionne, et ce qui peut mal tourner.

Operating contextIndex-based insurance is reviewed by insurance supervisors for basis risk, transparency and consumer protection, and insurers must treat policyholders fairly and settle claims promptly under the core principles of supervision. Index measurements must be accurate, available and protected against tampering, because money moves on them.

Dangers

• Basis risk when the station is far from the loss
• Station gaps during the very event insured
• Tampering or disputes over readings
• Indices that cannot be reproduced afterwards
• Payouts delayed by manual data checks

02Ce qu’il faut mesurer

Quoi, où, à quelle fréquence, et selon quelles règles.

Chaque mesure indique où elle est prise, à quelle fréquence, et la norme ou la réglementation publique qui la fonde. Les numéros de la colonne des sources ouvrent la source citée plus bas.

03La pile d’observation

D’un module de base à un réseau.

Les mêmes briques à chaque échelle : des instruments et un nœud de base, un site avec sa radio, une flotte exploitée comme un tout, et un réseau fédéré sur le protocole ouvert.

1. 01

   Unité de base

   A station: reference weather or river sensors on a sensor hub with a node that signs every reading.

   Build a station →
2. 02

   Site

   A site: the station in a secured enclosure with solar power and two backhaul paths.

   Plan a site →
3. 03

   Parc

   Every station of a programme, with one index calculation and audit trail.

   Managed offers →
4. 04

   Réseau

   Insurers, reinsurers, policyholders and supervisors read the same signed index through open standards.

   The open protocol →

• 01Station météorologique automatique (classe OMM)
• 02Station météo compacte
• 03Limnimètre
• 04Passerelle de capteurs et d’instruments
• 05Micronœud (Nano)
• 06Modem/routeur cellulaire
• 07Terminal plat LEO
• 08Champ solaire
• 09Poteau

Radio et liaisons

Réseau mobile public

Stations report over cellular where coverage exists.

Radio et liaisons

Satellite

A satellite path keeps data flowing through the storms and floods the policy covers.

Edge computeThe node signs every reading at the source, computes the index as the policy defines it, detects tampering from enclosure sensors and data patterns, and keeps a full archive so any payout can be reproduced.

PowerSolar with batteries sized for the worst season, so the station reports through the event it insures.

04Comment ça marche

De l’instrument au produit.

Le parcours d’une observation, niveau par niveau, avec l’interface de chaque liaison et une nomenclature en dessous ; puis comment ce nœud devient un site, une flotte et des réseaux fédérés.

05De la commande à l’exploitation

Chaque étape, du premier appel à un site en service.

La même équipe et le même dossier portent le travail, du cadrage à la maintenance.

1. 01 Order

   Scope the index with the insurer

   The scope reads the policy design, insured areas, the index definition and the basis risk analysis. Nexus Observatory Inc. returns the station plan, index calculation, audit design and a price per station and per year. The scope is agreed before any site work begins. 2

2. 02 Survey

   Survey for representativeness

   Crews survey candidate sites for how well they represent the insured area, exposure to the WMO siting classes, security, power and backhaul. Findings feed the basis risk analysis. Findings shape the kit for each site before anything is built. Every finding is kept with the site record for the crews who follow. 1

3. 03 Permits

   Land and agreements

   Land agreements protect each site, and the insurer, reinsurer and policyholder representatives agree the data rules and dispute process. Every agreement is kept with the programme record. No crew goes to site before its approvals are in place. Approvals are tracked site by site, so nothing waits unseen.

4. 04 Build

   Build and calibrate

   Sensors are calibrated against traceable references, enclosures fitted with tamper sensors, nodes enrolled with their identities and signing keys, and stations run together before shipping. Nothing ships until the whole kit has passed its tests together. Test results travel with the kit to the site. 4

5. 05 Install

   Install and secure

   Crews install stations to the siting classes, secure enclosures and fences, connect power and both backhaul paths, and record every part with photographs witnessed by the parties where required. Crews follow the site safety plan throughout the work. The site record is updated before the crew leaves.

6. 06 Commission

   Commission and witness

   Chaque nœud prouve son identité. Readings are compared with a travelling reference and nearby official stations, the index calculation is tested against history, and parties witness the results. Acceptance is recorded with the owner before handover. Results are signed and kept with the site record. 5

7. 07 Operate

   Pay on the index

   All parties see the index as it accumulates. When it crosses the trigger, the calculation and signed readings are released together, and payouts move in days, not months. Every alert and action is kept on the record. Reports for owners and funders come from the same record. 52

8. 08 Maintain

   Audit and recalibrate

   Stations are recalibrated on the agreed plan, audits check data integrity and availability, software is updated in rings, and every change is recorded so any past index can be reproduced. Maintenance history stays with each site for its whole life. 4

06Produits de données et intégration

Ce qu’il fournit, à qui, et dans quels systèmes.

Produits de données

• Signed index valuesInsurers, reinsurers and policyholders
• Trigger notificationsClaims and finance teams
• Audit trailsSupervisors and auditors
• Basis risk reviewsProduct designers

Intégration

• Policy administrationTriggers reach claims systems with the signed calculation.
• ReinsurersIndex data are shared under the treaty.
• SupervisorsAudit trails are available on request.

Exchanged through OGC SensorThings API, JSON Web Signature, WMO WIS 2.0.

07Questions des acheteurs

Avant de cadrer votre projet.

Can readings be disputed?

Signed readings and archives let any party reproduce the index.

What if the station fails in the storm?

Solar, batteries and satellite carry it through.

How is basis risk reduced?

By siting stations to represent the insured area.

How fast is payout?

As fast as the policy allows once the trigger is reached.

08Ressources

Les sources de cette page.

Normes, réglementations et lignes directrices publiques, citées là où elles s’appliquent. Chacune ne s’applique que dans sa juridiction ou son champ.

1. 1WMO-No. 8: Guide to Instruments and Methods of ObservationWorld Meteorological Organization
2. 2Issues Paper on Index-based Insurances, particularly in Inclusive Insurance MarketsInternational Association of Insurance Supervisors · 2018
3. 3WMO-No. 168: Guide to Hydrological PracticesWorld Meteorological Organization
4. 4ISO/IEC 27001: Information security management systemsInternational Organization for Standardization
5. 5Insurance Core PrinciplesInternational Association of Insurance Supervisors

09Voir aussi

Cas d’usage et solutions.

10Assurance et finance : domaines spécialisés

Les autres domaines de cette industrie.

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