Parametric Insurance & Risk Intelligence
Insure the risks your policy doesn't cover.
Too little sun, too much rain, a drought, a storm, a cloud outage — revenue losses that traditional insurance struggles to cover. Helios Re designs parametric cover that pays a predefined amount as soon as an independent index crosses a trigger agreed with you in advance.
The problem
The losses your insurance leaves on your balance sheet.
Nothing is damaged — yet revenue falls.
A low-irradiance year, a dry season, a heatwave that empties a venue. With no physical damage, indemnity cover doesn't respond.
Claims that take months.
Loss assessment, documentation and negotiation delay the cash — precisely when liquidity matters most.
Excluded, or below the deductible.
Weather-driven revenue volatility is often excluded, capped, or absorbed by high deductibles.
Risks too new for standard policies.
Cloud outages, connectivity blackouts, epidemic thresholds — exposures traditional wordings were never built for.
Parametric cover closes the gap.
- An independent index
- A trigger agreed in advance
- A predefined payout — no loss adjustment
Start from your business
What puts your revenue at risk?
Every business loses revenue its own way. Each profile below comes with the covers built for it.
Renewable energy producers
Your revenue falls when the sun, the wind or the river doesn't deliver.
Farms, cooperatives & agri-lenders
A drought, a frost or a pest outbreak can wipe out a season's income.
Construction & infrastructure
Rain and wind stop your sites; ground movement threatens your assets.
Events, tourism & leisure
Bad weather cancels events, empties ski slopes and spoils holidays.
Logistics, maritime & fisheries
Storms, fog and sea conditions disrupt schedules, ports and stocks.
Digital-dependent businesses
An outage, a blackout or a cyberattack stops your revenue instantly.
Cities, public bodies & NGOs
After a disaster or an epidemic, you need liquidity in days, not months.
Insurers, reinsurers & brokers
Looking for a parametric line for your clients, or diversified risk for your book?
How we work with partnersA worked example
One bad season, with and without cover.
A cereal farm with €500,000 of harvest revenue, covered against drought on a rainfall index. Then 2023 brings 29% of the average rainfall.
- Index
- Seasonal rainfall at the farm
- Trigger
- 60% of the long-term average
- Premium
- €19,800 a year
2023 season · rainfall 29% of average
−53% on the worst season, premium included
Illustrative model, the same one as the trigger simulator.
Technology
From satellite data to actionable insurance intelligence.
The Helios Re Risk Intelligence Platform turns geographic, satellite and climate data into location-level pricing, portfolio correlation analysis and diversification recommendations.
Explore our technologyData
Satellite, geospatial & historical climate data
Modelling
Statistical & parametric risk models
Risk Intelligence
Correlation, concentration & diversification
Pricing & Portfolio
Indicative pricing and portfolio optimisation
How we work with you
From your exposure to a payout, in four steps.
Tell us what hurts
Your asset, your location, and the event that hits your revenue.
We test it on your data
Candidate triggers are back-tested against years of history at your location, so the cover fits your real exposure.
You choose your cover
Trigger level, payout and limit are set with you — with indicative pricing before you commit.
Get paid when it happens
The payout is released within days of the index publication: no claim file to build, no loss adjuster.
Cover is placed through your broker and backed by rated insurance and reinsurance capacity.