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Moreover, if you need a more detailed explanation of the thinking in this chart do get in touch. Would love your thoughts and feedback to this. By doing this hopefully we can help our firms outperform in their insurance purchase. We are trying to predict what the next “lightning strikes” could be to help our firms from a risk management perspective. Lightning primarily occurs when warm air is mixed with colder air.
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Get free online access to maps of former and current thunderstorms. Our interactive map allows you to see the local & national weather. At its peak, a typical thunderstorm produces three or more strikes to the Earth per minute. See lightning strikes in realtime nearby your area. One reason why premiums go up is that we expect more “lightning strikes”. Economic downturns have proven to be the catalyst for more increased frequency and severity of these “lightning strikes”. See the latest Meriden, CT lightning weather map including areas of rain, snow and ice. Implementation Method: Due to the lightning strike incident on Apollo 12, the AC-67 failure, and the numerous lightning strikes to the shuttle launch complex at. It’s why we need a critical mass of clients and insurance premiums. The age old concept of the many paying for the few. The challenging scenario for us as insurers is the “lightning strike”. The firm that moves from low frequency, low severity into low frequency and high severity. It what we as insurers are there to cover but find it so difficult to model and price for.Īs insurers we can’t charge you more money for the idea that you will probably have one “lightning strike” claim in years to come. Its why the premium line splits only the low frequency, low severity boxes and the high frequency and high severity boxes. Printable versions are at the bottom of this page. Mouse-over each day to view the 24-Hour Cumulative Lightning Strike Map. It is much harder getting the pricing right where there is little frequency. These graphics are updated daily around 800 AM. Conversely it is possible, to insure firms in the (top right) high frequency and high severity. The blue box of high frequency and low severity is all about the firms pick of self insured retention.Īctuaries can price for frequency of claims. Ultimately we want to insure firms in the (bottom left) low frequency and low severity box. Our firms really appreciate the explanation. It makes the insurance business model easy to understand. When thunderstorms develop, remember to watch this page or our regional lightning maps to see live strikes near your area or anywhere around the nation. It is a simple four box model for frequency and severity. It was this comment that drove the thinking for the above chart. I had huge empathy for the situation. Why should they pay more for insurance when they work so hard on their risk profile and had the claims experience to prove it? I admit I was struggling for a response when the purchaser said “James we have a great risk profile but we are not stupid enough to think that we won’t have a ‘lightning strike’ claim!”.
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I was asked the (above) question by a wonderful, conservatively run professional service firm who had a nominal claims experience. An easy firm to underwrite from a risk profile basis, yet their premiums were going up. growth, perceived riskier lines of business etc. There are a multitude of answers. Macro market factors will be a big part. Micro factors are a firm individuals claims experience along with other issues e.g. You can enable push alerts to get informed when lightning in your area ocurred.
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This version is ad-supported and is similar to apps such as Blitzortung, Lightning Cast, Spark and Live Lightning.I regularly get asked in my professional service firm client meetings “why are our insurance premiums going up?”. BlitzortungLive (iPhone/iPad) Link: Download at iTunes Author: Marco Bauer This is an official App which shows lightning in real time.
If you want the most efficient way of keeping up lightning strikes and thunderstorms, then My Lightning Tracker is the right lightning network for you.
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Full support for the latest iPhone and iPad models. Monitor the weather radar to track what could be coming. Share a strike with your friends so that they can see where the thunder & lightning is occurring too! Receive a lightning alarm when a storm is nearby so that you can monitor it live. View more detailed information about where the thunderstorm is occurring on a map. See a history of hotspots where lightning strikes occur most often! Detects and displays lightning strikes all around the world! You can also receive notifications whenever strikes are detected in your area. With a sleek modern design, you can watch thunderstorms as they occur. My Lightning Tracker is the best app for monitoring lightning strikes all around the world in close to real-time. Aside from flooding, death from lightning is the highest storm related fatality.
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