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Get surplus treaties by policy

get https://{host}/platform/riskdata/v1/exposures//policies//surplustreaties

Returns surplus share treaties applied to the specified policy.

A surplus share treaty is a form of proportional reinsurance treaty and a variation of quota share reinsurance.

The surplus share may be defined on per-location or per-policy basis. The proportion retained and the proportion reinsured vary on a per risk basis depending on the location/policy limit and the type of risk. For a given type of risk, the ceding company determines the maximum retention or line it wishes to keep. Risks that have location/policy limits within the retention or line are retained 100%. If the location/policy limit is greater than the retention the surplus amount is ceded on a pro rata basis to the reinsurer.

Path Params
int32
required
≥ 1

ID of policy.

int64
required
≥ 1

ID of EDM.

Responses

Response body
array of objects
object
int32

User-defined ID of treaty

string
required
length between 0 and 20

Unique name of this treaty. Moody’s recommends using a combination of the cedant name, treaty type, and treaty terms.

string
length between 0 and 40

User-defined name of treaty

cedant
object
required

Name of risk-holding party (insurer/reinsurer) that transfers a portion of its risk to another risk-holding party (reinsurer/retrocessionaire). Cedant must match an account's cedant for all cessions and treaties to be applied during the analysis.

producer
object

Name of party licensed under a state to sell, solicit, or negotiate insurance.

string
required

Type of treaty.

CATA CORP NCAT QUOT STOP SURP WORK

currency
object

Currency of policy.

string

Defines how insurance policies have their losses covered. If L (losses occurring), claims are covered that occur during the period of this treaty. If R (risks attaching), claims are covered if policy inception occurs during period of this treaty

L R

string
required

Level at which treaty is attached. One of ACCT (account), LOC (location), POL (policy), PORT (portfolio)

ACCT LOC POL PORT

double

Amount an insurer or reinsurer charges to provide the coverage described in the policy or treaty

double

Maximum amount that paid out for an event.

double

Amount at which the occurrence layer begins to take loss.

number

Maximum amount paid out for risk in an event. Applies to QUOT and SURP treaties

double

Amount of risk or loss kept by the ceding company for its own account or for others

double

Percentage of a treaty’s coverage that has been accepted by participating reinsurers

string

Effective date of this treaty in format, e.g. 2020-01-01T00:00:00.000Z. From this date losses are eligible for recovery.

string

Expiration date of this treaty in format, e.g. 2020-01-01T00:00:00.000Z. From this date a loss-occurring policy/treaty/program no longer takes loss and a risks-attaching policy/treaty/program no longer allows risks to attach.

double

Percentage of the reinsurer’s share of treaty losses not covered by retrocessions. Determines the losses for the RN financial perspective and the net premium a reinsurer receives for a treaty

double

Percentage of treaty coverage assigned to reinsurer. Used in calculation of RG perspective losses

double

Percentage of loss greater than the attachment point covered by a treaty. Not applicable to SURP treaties.

int32

Inurning priority of this treaty. Lower numbers take losses prior to higher numbers

int32

Number of reinstatements. Restoration of the treaty occurrence limit to its full amount after an event that led to a non-zero reinsurance payout so that the reinsured has the full limit coverage for the next event occurrence

Used in calculating catastrophe and corporate catastrophe treaty statistics, including average annual loss. The event loss table and the EP curves assume unlimited reinstatements

double

Amount of premium the insured must pay the insurer to reinstate the coverage of the treaty after it is exhausted. Applies to CATA treaties only

double

Maximum Any One Life Amount

boolean

Not used. Retained for legacy purposes.

To avoid potential issues, do not set as false unless instructed by Moody's RMS.

string

User-defined property.

string

User-defined property.

double

For aggregate deductibles, losses from multiple events over a treaty’s in-force period can contribute to eroding the deductible. Applies to HD models only.

double

Limit that applies across all loss events during the treaty’s in-force period. Applies to HD models only.

string
lobs
array of objects

List of lines of business.

lobs
object
int32
required
≥ 1

ID of line of business.

string
required
length between 0 and 20

Name of line of business.

string

URI of line of business.

lossOccurrences
array of objects

List of lost occurrences. A treaty loss occurrence is an an event, a portion of an event, or a collection of events to which reinsurance terms are applied to determine the split of liability.

lossOccurrences
object
int32

System-generated ID of treaty.

int32

ID of catastrophe treaty, corporate catastrophe treaty, or stop loss treaty.

Loss occurrence record can be applied to catastrophe treaties.

string
regionPeril
object

Region-specific peril. For example, APFL (6), EUCS (2), EUFL (1), EUWS (7), NAWF (4), NZFL (5), USFL (3)

For a list of region peril codes, see Moody's Peril Models List for Risk Modeler in Help Center.

int32

Length of hours clause in days. Lost occurrence record limits the duration of liability. If 0, lossOccurrenceRadius is ignored.

Applicable if regionPeril is APFL, EUCS, EUFL, EUWS, NZFL, USFL, USWF.

int32

Radius of distance clause. Loss occurrence record limits the range of liability. If 0, range of liability is unlimited or no distance clause is defined.

Applicable if regionPeril is USWF.

radiusUnit
object

Unit of measurement used for lossOccurrenceRadius distance. One of Miles (1), or Kilometers (2).

multiLossOccurrence
object

Indicates whether the treaty allows multiple loss occurrences for the same event. One of Yes (1) or No (2).

tagIds
array of int32s

List of tags to apply to treaty. See Tags.

tagIds

Updated 5 months ago

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