The storm
files the claim.
You just get paid.
Tripline insures businesses against weather and catastrophe with policies written in numbers: an index, a cell, a strike. When the data crosses it, we pay. We warn you before it does.
Capacity from
Halvard Re
Ostwick Capital Re
Lindqvist Mutual
Brightwater Syndicate 4418
Corbel & Vane
(01) The policy
A policy you can read
in five numbers.
Every Tripline policy names an index, a place, a strike, an exit and a limit. Nothing else decides the payout. No adjuster, no estimate, no argument about what the wind did.
Every Tripline policy names an index, a place, a strike, an exit and a limit. Nothing else decides the payout. No adjuster, no estimate, no argument about what the wind did.
Wind
Rain
Quake
Delay
Index
10-min wind
What we measure. Never your loss, always the event.
Location
FL-0417
Where we measure it: one 10 × 10 km cell, or one route.
Strike
150 km/h
The reading that starts a payout. Below it, nothing to argue about.
Exit
189 km/h
The reading that pays the full limit.
Limit
$250,000
The most the policy pays, in tiers of 25, 50 and 100 %.
Wind
Rain
Quake
Delay
Index
10-min wind
What we measure. Never your loss, always the event.
Location
FL-0417
Where we measure it: one 10 × 10 km cell, or one route.
Strike
150 km/h
The reading that starts a payout. Below it, nothing to argue about.
Exit
189 km/h
The reading that pays the full limit.
Limit
$250,000
The most the policy pays, in tiers of 25, 50 and 100 %.
(02) Coverages
Six perils, each read
by an instrument, not an adjuster.
Pick the peril that costs you money. We tie it to a public reading in your cell, agree the strike up front, and watch it for you every minute of the policy year.
Wind
41 km/h
Rainfall
0.4 mm/h
Earthquake
M 2.1
Flight delay
18 min
Flood level
0.62 m
Heat
31.4 °C
Wind
Index
Highest 10-minute mean wind speed at 10 m, read per 10 × 10 km cell
Typical strike
150 km/h
Exit
189 km/h
Limits
$250,000 – $38,000,000 per location
Measured by
Meridian Ground Network · Halcyon Radar Mosaic · NOAA satellite imagery · Brackwater Coastal Buoys
Who buys it
Coastal hotel groups, marinas, cold-chain warehouses, utilities with exposed assets, retail chains with stores in hurricane belts
Pays when the wind in your cell crosses the line, in three steps, with an alert 36 hours before landfall.
Wind
Index
Highest 10-minute mean wind speed at 10 m, read per 10 × 10 km cell
Typical strike
150 km/h
Exit
189 km/h
Limits
$250,000 – $38,000,000 per location
Measured by
Meridian Ground Network · Halcyon Radar Mosaic · NOAA satellite imagery · Brackwater Coastal Buoys
Who buys it
Coastal hotel groups, marinas, cold-chain warehouses, utilities with exposed assets, retail chains with stores in hurricane belts
Pays when the wind in your cell crosses the line, in three steps, with an alert 36 hours before landfall.
Wind
Index
Highest 10-minute mean wind speed at 10 m, read per 10 × 10 km cell
Typical strike
150 km/h
Limits
$250,000 – $38,000,000 per location
Rainfall
Index
Accumulated rainfall in the cell over a rolling 6-hour or 24-hour window, whichever pays more
Typical strike
43 mm in 6 h (or 78 mm in 24 h)
Exit
84 mm in 6 h (or 137 mm in 24 h)
Limits
$120,000 – $14,500,000 per location
Measured by
Meridian Ground Network · Halcyon Radar Mosaic · Copernicus ERA5 reanalysis
Who buys it
Outdoor event organisers, farms and orchards, construction contractors, ski and bike operators, open-air retail
Pays on millimetres of rain in six or twenty-four hours, measured on the cell that holds your site.
Rainfall
Index
Accumulated rainfall in the cell over a rolling 6-hour or 24-hour window, whichever pays more
Typical strike
43 mm in 6 h (or 78 mm in 24 h)
Exit
84 mm in 6 h (or 137 mm in 24 h)
Limits
$120,000 – $14,500,000 per location
Measured by
Meridian Ground Network · Halcyon Radar Mosaic · Copernicus ERA5 reanalysis
Who buys it
Outdoor event organisers, farms and orchards, construction contractors, ski and bike operators, open-air retail
Pays on millimetres of rain in six or twenty-four hours, measured on the cell that holds your site.
Rainfall
Index
Accumulated rainfall in the cell over a rolling 6-hour or 24-hour window, whichever pays more
Typical strike
43 mm in 6 h (or 78 mm in 24 h)
Limits
$120,000 – $14,500,000 per location
Earthquake
Index
Moment magnitude of an event with its epicentre inside the insured radius and a depth shallower than 70 km
Typical strike
Mw 5.8 within 41 km
Exit
Mw 7.1 within 41 km
Limits
$500,000 – $65,000,000 per location
Measured by
USGS earthquake catalogue · Ostrander Seismic Array
Who buys it
Manufacturers with a single plant, data-centre operators, ports, hospitality groups on the Pacific Rim, lenders with concentrated collateral
Pays on the magnitude of a shallow quake inside a fixed radius around your site, read from two independent networks.
Earthquake
Index
Moment magnitude of an event with its epicentre inside the insured radius and a depth shallower than 70 km
Typical strike
Mw 5.8 within 41 km
Exit
Mw 7.1 within 41 km
Limits
$500,000 – $65,000,000 per location
Measured by
USGS earthquake catalogue · Ostrander Seismic Array
Who buys it
Manufacturers with a single plant, data-centre operators, ports, hospitality groups on the Pacific Rim, lenders with concentrated collateral
Pays on the magnitude of a shallow quake inside a fixed radius around your site, read from two independent networks.
Earthquake
Index
Moment magnitude of an event with its epicentre inside the insured radius and a depth shallower than 70 km
Typical strike
Mw 5.8 within 41 km
Limits
$500,000 – $65,000,000 per location
Flight delay
Index
Minutes between scheduled and actual gate arrival of a named flight, read from the aviation feed
Typical strike
187 minutes
Exit
391 minutes
Limits
$400 – $12,600 per traveller, up to $1,350,000 per group
Measured by
Tern Flight Feed · Meridian Ground Network
Who buys it
Corporate travel managers, tour operators, incentive-trip organisers, touring crews, conference hosts
Pays on minutes of delay at the arrival gate, or on cancellation, for each named flight on your itinerary.
Flight delay
Index
Minutes between scheduled and actual gate arrival of a named flight, read from the aviation feed
Typical strike
187 minutes
Exit
391 minutes
Limits
$400 – $12,600 per traveller, up to $1,350,000 per group
Measured by
Tern Flight Feed · Meridian Ground Network
Who buys it
Corporate travel managers, tour operators, incentive-trip organisers, touring crews, conference hosts
Pays on minutes of delay at the arrival gate, or on cancellation, for each named flight on your itinerary.
Flight delay
Index
Minutes between scheduled and actual gate arrival of a named flight, read from the aviation feed
Typical strike
187 minutes
Limits
$400 – $12,600 per traveller, up to $1,350,000 per group
Flood level
Index
River stage in centimetres above the gauge's warning level, highest hourly reading in the event
Typical strike
118 cm
Exit
231 cm
Limits
$180,000 – $22,000,000 per location
Measured by
Kestrel Gauge Network · Halcyon Radar Mosaic · Copernicus ERA5 reanalysis
Who buys it
Riverside manufacturers, logistics yards, municipalities, food processors, hotels and campsites in flood plains
Pays when the river gauge your site is assigned to rises centimetres above its warning level.
Flood level
Index
River stage in centimetres above the gauge's warning level, highest hourly reading in the event
Typical strike
118 cm
Exit
231 cm
Limits
$180,000 – $22,000,000 per location
Measured by
Kestrel Gauge Network · Halcyon Radar Mosaic · Copernicus ERA5 reanalysis
Who buys it
Riverside manufacturers, logistics yards, municipalities, food processors, hotels and campsites in flood plains
Pays when the river gauge your site is assigned to rises centimetres above its warning level.
Flood level
Index
River stage in centimetres above the gauge's warning level, highest hourly reading in the event
Typical strike
118 cm
Limits
$180,000 – $22,000,000 per location
Heat
Index
Cumulative degrees above 34.5 °C of the daily maximum, summed over seven consecutive days
Typical strike
18.4 °C-days
Exit
41.3 °C-days
Limits
$90,000 – $9,800,000 per location
Measured by
Meridian Ground Network · Copernicus ERA5 reanalysis · NOAA satellite imagery
Who buys it
Vineyards and orchards, outdoor-work contractors, festivals, energy retailers exposed to cooling demand, construction firms
Pays on the degrees above 34.5 °C that pile up over seven days, not on a single hot afternoon.
Heat
Index
Cumulative degrees above 34.5 °C of the daily maximum, summed over seven consecutive days
Typical strike
18.4 °C-days
Exit
41.3 °C-days
Limits
$90,000 – $9,800,000 per location
Measured by
Meridian Ground Network · Copernicus ERA5 reanalysis · NOAA satellite imagery
Who buys it
Vineyards and orchards, outdoor-work contractors, festivals, energy retailers exposed to cooling demand, construction firms
Pays on the degrees above 34.5 °C that pile up over seven days, not on a single hot afternoon.
Heat
Index
Cumulative degrees above 34.5 °C of the daily maximum, summed over seven consecutive days
Typical strike
18.4 °C-days
Limits
$90,000 – $9,800,000 per location
(03) Pick a storm
You pick the storm.
The ladder decides the payout.
Same cell, same policy, four storms from the record. The peak reading climbs the ladder and stops on a step. That step is the payout, agreed the day you bought the cover.
Same cell, same policy, four storms from the record. The peak reading climbs the ladder and stops on a step. That step is the payout, agreed the day you bought the cover.
Cell FL-0417 · Tampa Bay · limit $250,000
200
175
150
125
100
$62,500
Tier 1 · 25 %
150 km/h
$125,000
Tier 2 · 50 %
168 km/h
$250,000
Tier 3 · 100 %
189 km/h · exit
Storm Ines
Sep 2026
171 km/h
Storm Pell
Aug 2025
132 km/h
Storm Tamsin
Oct 2023
158 km/h
Storm Orrin
Sep 2021
196 km/h
$125,000
Tier 2 · paid T+41 h
Cell FL-0417 · Tampa Bay · limit $250,000
200
175
150
125
100
$62,500
Tier 1 · 25 %
$125,000
Tier 2 · 50 %
$250,000
Tier 3 · 100 %
Storm Ines
Sep 2026
171 km/h
Storm Pell
Aug 2025
132 km/h
Storm Tamsin
Oct 2023
158 km/h
Storm Orrin
Sep 2021
196 km/h
$125,000
Tier 2 · paid T+41 h
Property loss notice
Policy number
Not needed
Date of loss
Not needed
Cause of loss
Not needed
Description of damage
Not needed
Estimated amount
Not needed
Photos attached
Not needed
Repair quotes
Not needed
Adjuster visit
Not needed
(04) Claims
Nobody fills in a form.
The data already did.
A traditional claim waits for an adjuster, photos and quotes. Ours starts the minute the reading crosses the strike, and ends in your bank account.
Claim forms filed · 0
T+00:00
Index crosses strike
The 10-minute wind in your cell passes 150 km/h at 14:24 EDT.
Cell FL-0417 · 171 km/h
Strike 150 km/h
T+00:00
Index crosses strike
The 10-minute wind in your cell passes 150 km/h at 14:24 EDT.
Cell FL-0417 · 171 km/h
Strike 150 km/h
T+00:14
Two of three sources agree
Ground station, satellite and radar land inside the ±3 % band.
Station 168 · Satellite 173 · Radar 171
Within ±3 %
171 km/h recorded
T+00:14
Two of three sources agree
Ground station, satellite and radar land inside the ±3 % band.
Station 168 · Satellite 173 · Radar 171
Within ±3 %
171 km/h recorded
T+02:10
Calculation agent signs
An independent calculation agent checks the tier against the policy and signs.
171 km/h ≥ 168 → Tier 2
50 % × $250,000 = $125,000
Confirmed · calculation agent
T+02:10
Calculation agent signs
An independent calculation agent checks the tier against the policy and signs.
171 km/h ≥ 168 → Tier 2
50 % × $250,000 = $125,000
Confirmed · calculation agent
T+38:00
Payment sent
Payment leaves the same day. No deductible, no depreciation, no proof of loss.
$125,000.00 · ACH
Ref TRP-2609-0417
T+38:00
Payment sent
Payment leaves the same day. No deductible, no depreciation, no proof of loss.
$125,000.00 · ACH
Ref TRP-2609-0417
T+41:00
Funds received
Spend it on what the storm actually broke. We never ask.
26 Sep · Tripline parametric payout
+$125,000.00
T+41:00
Funds received
Spend it on what the storm actually broke. We never ask.
26 Sep · Tripline parametric payout
+$125,000.00
(05) Data
Two of three sources agree.
Then we pay.
Every reading is checked against two others before anything moves. An anomaly model flags the outlier, falls back to the next source in your policy and logs why. You can audit every step.
Ground station
Meridian Ground Network
168 km/h
14:21 EDT · every 3 min
Satellite estimate
NOAA satellite imagery
173 km/h
14:26 EDT · every 10 min
Doppler radar
Halcyon Radar Mosaic
171 km/h
14:24 EDT · every 7 min
140 → 190 km/h · tolerance band 166–176
Consensus · within ±3 % · 171 km/h recorded
What if one disagrees?
Ground station
Meridian Ground Network
168 km/h
14:21 EDT · every 3 min
Satellite estimate
NOAA satellite imagery
173 km/h
14:26 EDT · every 10 min
Doppler radar
Halcyon Radar Mosaic
171 km/h
14:24 EDT · every 7 min
140 → 190 km/h · tolerance band 166–176
Consensus · within ±3 % · 171 km/h recorded
What if one disagrees?
(06) Savings
Where a dollar of premium goes,
and where it stops going.
Most of a traditional premium pays for proving a loss. Ours pays out. The rest of the saving happens before the storm: an alert 36 hours out, and four things to do with them.
A dollar of premium
Traditional
Parametric
+$0.23
More of every $1 comes back to you
54¢
Paid to policyholders
17¢
Claims handling & loss adjusting
14¢
Acquisition & admin
11¢
Capacity & reinsurance
4¢
Margin
Time to payment · 94 days → 41 h
Illustrative split for a commercial property book. Not a quote.
Traditional
Parametric
+$0.23
More of every $1 comes back to you
54¢
Paid to policyholders
17¢
Claims handling & loss adjusting
14¢
Acquisition & admin
11¢
Capacity & reinsurance
4¢
Margin
Time to payment · 94 days → 41 h
Illustrative split for a commercial property book. Not a quote.
The 72 hours before
Warehouse
Farm
Venue
≈ $31,400
Loss avoided
Now · T−72 h
Landfall
T−72 h
Watch: your cell enters the forecast cone
T−36 h
Alert sent · stock lifted above 1.2 m
T−12 h
Shutters closed, generator fuelled
T−2 h
Staff sent home
Warehouse
Farm
Venue
≈ $31,400
Loss avoided
Now · T−72 h
Landfall
T−72 h
Watch: your cell enters the forecast cone
T−36 h
Alert sent · stock lifted above 1.2 m
T−12 h
Shutters closed, generator fuelled
T−2 h
Staff sent home
Total capacity · $180M per event
$120M–180M
Brightwater Syndicate 4418
Syndicate · A
$120M–180M
Brightwater Syndicate 4418
Syndicate · A
$75M–120M
Corbel & Vane
A−
$75M–120M
Corbel & Vane
A−
$25M–75M
Lindqvist Mutual
A+
$25M–75M
Lindqvist Mutual
A+
$5M–25M
Ostwick Capital Re
A
$5M–25M
Ostwick Capital Re
A
$0–5M
Halvard Re
A+
$0–5M
Halvard Re
A+
(07) Capacity
Backed by a tower,
sold through brokers.
Tripline writes the policy. Rated carriers and reinsurers carry the risk, layer by layer, up to $180M for a single event. Brokers sell it with the same five numbers your client will read.
Commission
12.5 %
Quotes
By address, inside your portal
Bound
In one working day
(08) Glossary
Basis risk
and other words in your policy.
Six questions every buyer asks before the first quote. The rest are on the FAQ page, sorted by what you are deciding.
What do I actually buy?
A policy written in five numbers: an index, a location, a strike, an exit and a limit. When the reading in your cell crosses the strike, the policy pays a share of the limit; at the exit it pays all of it. There is no loss to prove, because the index is the measure.
What do I actually buy?
A policy written in five numbers: an index, a location, a strike, an exit and a limit. When the reading in your cell crosses the strike, the policy pays a share of the limit; at the exit it pays all of it. There is no loss to prove, because the index is the measure.
How is this different from a standard property policy?
A property policy pays for the damage a surveyor can document. A Tripline policy pays for a reading that an independent source can confirm. The first fits a slow, precise loss; the second fits a loss that is clear within hours and expensive if it waits. Many clients keep both and use the Tripline policy for cash in the first days.
How is this different from a standard property policy?
A property policy pays for the damage a surveyor can document. A Tripline policy pays for a reading that an independent source can confirm. The first fits a slow, precise loss; the second fits a loss that is clear within hours and expensive if it waits. Many clients keep both and use the Tripline policy for cash in the first days.
What is a cell?
A cell is a square of 10 by 10 kilometres on our grid, and it is the unit we measure. Your insured location belongs to exactly one cell, and the policy reads that cell and nothing else. The policy schedule shows the cell identifier, for example FL-0417, together with its latest reading.
What is a cell?
A cell is a square of 10 by 10 kilometres on our grid, and it is the unit we measure. Your insured location belongs to exactly one cell, and the policy reads that cell and nothing else. The policy schedule shows the cell identifier, for example FL-0417, together with its latest reading.
What does "strike" mean?
The strike is the reading at which the policy starts to pay. For wind it can be 150 km/h, for rainfall 43 mm in six hours, for a flight 187 minutes. Below the strike, nothing is owed and nothing needs to be argued; at the strike, Tier 1 pays 25 % of the limit.
What does "strike" mean?
The strike is the reading at which the policy starts to pay. For wind it can be 150 km/h, for rainfall 43 mm in six hours, for a flight 187 minutes. Below the strike, nothing is owed and nothing needs to be argued; at the strike, Tier 1 pays 25 % of the limit.
Where do the readings come from?
From at least three kinds of source for each peril, for example ground stations, radar and satellite for wind. The Data page lists the sources used in this demo, some of them public programmes and some fictional. Every settlement note names the sources it used and the value each one gave.
Where do the readings come from?
From at least three kinds of source for each peril, for example ground stations, radar and satellite for wind. The Data page lists the sources used in this demo, some of them public programmes and some fictional. Every settlement note names the sources it used and the value each one gave.
What if two sources disagree?
The calculation agent signs a reading only when at least two of three sources land within a stated margin, for wind ±3 % (about 5 km/h at 171 km/h). If they do not, the policy falls back to the order written in your schedule, usually the nearest ground station, and the settlement note says so. You can always read the numbers that were compared.
What if two sources disagree?
The calculation agent signs a reading only when at least two of three sources land within a stated margin, for wind ±3 % (about 5 km/h at 171 km/h). If they do not, the policy falls back to the order written in your schedule, usually the nearest ground station, and the settlement note says so. You can always read the numbers that were compared.
Find your cell.
We’ll fill in the rest.
Send us an address and the peril that worries you. Within four working hours you get its cell, the index we’d use and the strike that fits your numbers.
Cell —— · Index ——
Strike —— · Limit ——