Resilience-priced premium. Lower verified risk, cheaper insurance.
Premium computed from seismic class, KeyScore, and net-zero status. Strong modules quote at 89bps; weak modules quote at 140bps. The registry already knows the risk profile — the Insurance Rail just prices it.
The price-insurance API
POST /functions/v1/price-insurance takes a registered
module + coverage parameters and returns:
- rate_bps — basis points on insured value
- premium — total annual premium
- mga_commission — Keystone's commission share
- expected_loss_ratio — modeled from KeyScore + resilience
- underwriting_margin — premium − expected losses − commissions
The pricing function
Rate computed from three signals on the registered module:
- Seismic class — A/B/C/D loads risk premium
- KeyScore — higher score → lower risk → lower bps
- Net-zero status — climate-resilience credit reduces bps
A high-KeyScore (92), seismic-class-A, net-zero module quotes at 89bps. A KeyScore-65, seismic-C, non-net-zero module quotes at 140bps. Same underwriting math, opposite risk profile.
The MGA book
Bound policies flow into the insurance book. The dashboard carries:
- Number of policies in force
- Premium float (total annualized premium)
- MGA commission earned + commission due
- Blended rate across the book
- Expected loss ratio + underwriting margin
Who pays for it
Reinsurers (Swiss Re, Munich Re), MGAs writing modular construction lines, captive insurers for large modular portfolios, and any insurer that needs a defensible risk model for industrialized housing.
The premium is priced off the verified resilience signal, not off a one-size-fits-all class rate. Better-built modules deserve better insurance — and now they get it.
Quote your first policy in 30 seconds.
The sample workspace ships with three live policies — one strong (89bps), one weak (140bps), one mid — so you can compare quoting math side-by-side.