Coverages · 6
Six perils.
One way to pay.
Each coverage ties a public reading to a strike in your cell. Pick one, or stack several on the same site.
Wind
Strike · 150 km/h
Rainfall
Strike · 43 mm / 6 h
Earthquake
Strike · Mw 5.8
Flight delay
Strike · 187 min
Flood level
Strike · 118 cm
Heat
Strike · 18.4 °C-days
(01) Coverage index
Pick the reading
that costs you money.
Every policy names its index, its strike and its limit before you sign. Open a coverage to see its tiers, its sources and who already buys it.
Wind
Highest 10-minute mean wind speed at 10 m, read per 10 × 10 km cell
Typical strike
150 km/h
$250,000 – $38,000,000 per location
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Wind
Highest 10-minute mean wind speed at 10 m, read per 10 × 10 km cell
Typical strike
150 km/h
$250,000 – $38,000,000 per location
Rainfall
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)
$120,000 – $14,500,000 per location
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Rainfall
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)
$120,000 – $14,500,000 per location
Earthquake
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
$500,000 – $65,000,000 per location
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Earthquake
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
$500,000 – $65,000,000 per location
Flight delay
Minutes between scheduled and actual gate arrival of a named flight, read from the aviation feed
Typical strike
187 minutes
$400 – $12,600 per traveller, up to $1,350,000 per group
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Flight delay
Minutes between scheduled and actual gate arrival of a named flight, read from the aviation feed
Typical strike
187 minutes
$400 – $12,600 per traveller, up to $1,350,000 per group
Flood level
River stage in centimetres above the gauge's warning level, highest hourly reading in the event
Typical strike
118 cm
$180,000 – $22,000,000 per location
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Flood level
River stage in centimetres above the gauge's warning level, highest hourly reading in the event
Typical strike
118 cm
$180,000 – $22,000,000 per location
Heat
Cumulative degrees above 34.5 °C of the daily maximum, summed over seven consecutive days
Typical strike
18.4 °C-days
$90,000 – $9,800,000 per location
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Heat
Cumulative degrees above 34.5 °C of the daily maximum, summed over seven consecutive days
Typical strike
18.4 °C-days
$90,000 – $9,800,000 per location
(02) The policy
Five numbers
decide every payout.
Switch peril to see how the same five fields read for rain, a quake or a delayed flight.
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 %.
(04) Who buys what
Six trades,
and the readings that hurt them.
Ports & logistics
Ports & logistics
Wind · Flood level
Cranes stop above 72 km/h; a flooded yard stops trucks for days.
Cranes stop above 72 km/h; a flooded yard stops trucks for days.
Hotels & venues
Hotels & venues
Wind · Rainfall · Heat
Cancelled nights and closed terraces, paid on the reading, not the guest count.
Cancelled nights and closed terraces, paid on the reading, not the guest count.
Agriculture
Agriculture
Heat · Rainfall
Seven hot days or one wet harvest week, read on the cell that holds the orchard.
Seven hot days or one wet harvest week, read on the cell that holds the orchard.
Travel
Travel
Flight delay
Minutes at the arrival gate, per named traveller, paid before the group lands home.
Minutes at the arrival gate, per named traveller, paid before the group lands home.
Energy & solar
Energy & solar
Wind · Earthquake
Exposed lines and single plants that can’t wait for a loss adjuster.
Exposed lines and single plants that can’t wait for a loss adjuster.
Construction
Construction
Rainfall · Heat
Lost working days on site, counted in millimetres and degrees.
Lost working days on site, counted in millimetres and degrees.
Read a full policy
before you talk to us.
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.
How long does a payment take?
In the demo storm, the peak happened in cell FL-0417 and the payment was recorded at T+41 h, which includes the time the storm needed to pass, the sources to settle and the transfer to clear. Policies state their own calculation window in the schedule. We give the window as a number of hours, not as a promise of speed.
How long does a payment take?
In the demo storm, the peak happened in cell FL-0417 and the payment was recorded at T+41 h, which includes the time the storm needed to pass, the sources to settle and the transfer to clear. Policies state their own calculation window in the schedule. We give the window as a number of hours, not as a promise of speed.
Do I have to file a claim?
No. If the index crosses the strike, we send the payment to the account on the schedule and a settlement note to the contacts you named. In the demo storm, 61 cells crossed the line and the number of claim forms filed was 0. You can still tell us about a loss in the Report an event page, but it never changes what the index pays.
Do I have to file a claim?
No. If the index crosses the strike, we send the payment to the account on the schedule and a settlement note to the contacts you named. In the demo storm, 61 cells crossed the line and the number of claim forms filed was 0. You can still tell us about a loss in the Report an event page, but it never changes what the index pays.
What happens between two tiers?
The ladder is a staircase, not a ramp. A reading of 171 km/h on a wind policy with tiers at 150, 168 and 189 km/h pays Tier 2, which is 50 % of the limit, and not an interpolated 54 %. The settlement note shows the next tier, so you can see how far the reading was from it.
What happens between two tiers?
The ladder is a staircase, not a ramp. A reading of 171 km/h on a wind policy with tiers at 150, 168 and 189 km/h pays Tier 2, which is 50 % of the limit, and not an interpolated 54 %. The settlement note shows the next tier, so you can see how far the reading was from it.
Next step
Find your cell.
We’ll match the coverage.
Send an address and the peril that worries you. Within four working hours you get the cell, the index and a strike that fits.