Catastrophe Risk Analytics

RD Equipment — Underwriting Tool

Visual catastrophe risk analysis for the Equipment Miscellaneous Risks line. SUSEP and CNSEG data.

Premiums Written 2025

...

RD Equipment Line

↑12.5%YoY

Total Claims 2025

...

NatCat + Non-NatCat

↑18.2%YoY

NatCat Claims

...

38.2% of total

↑6.7%YoY

Total Loss Ratio

...

NatCat: 33.1%

↑5.6%vs 2024

Protection Gap

83%

Uninsured equipment

Active Fire Hotspots — NASA FIRMS

LIVE

VIIRS NOAA-20 satellite data — last 48h

992

514

169

142

Precipitation Alert — Open-Meteo

LIVE

7 zones with precipitation >60mm in next 6 days

180mm

92mm

88mm

83mm

Claims Composition: NatCat vs Non-NatCat

Claims separation by peril category — 2025 Data

NatCat

38.2%

Non-NatCat

61.8%

NatCat Perils — 38.2%

🌊Flood / Waterlogging

13.4%

🌪️Windstorm / Storm

8.4%

🧊Hail

5.7%

⚡Lightning

4.6%

⛰️Landslide

3.1%

🔥Wildfire

1.9%

☀️Drought

0.8%

❄️Frost

0.3%

Non-NatCat Perils — 61.8%

🔒Theft / Burglary

22.5%

🧯Fire / Explosion

11.2%

🔌Electrical Damage

10.8%

🔧Machinery Breakdown

8.5%

💥Collision / Overturn

5.2%

⚠️Operator Error

2.1%

🚫Vandalism

0.9%

💧Water Damage (non-NatCat)

0.6%

Premiums & Claims Evolution

RD Equipment Line — R$ Millions — NatCat vs Non-NatCat

NatCat Claims by Type

Distribution within 38.2% NatCat

Flood (13.4%)

Windstorm (8.4%)

Hail (5.7%)

Lightning (4.6%)

Landslide (3.1%)

Wildfire (1.9%)

NatCat Share of Claims Over Time

Percentage of claims attributed to natural catastrophes — increasing trend

Equipment Lines

🌾

Green LineGreen Line

Agricultural and forestry machinery and equipment

R$ 10.9B

Exposure

🏗️

Yellow LineYellow Line

Construction and earthmoving machinery

R$ 6.2B

Exposure

🏥

White LineWhite Line

Hospital and medical equipment

R$ 6.0B

Exposure

📺

Brown LineBrown Line

Electronic, audio and video equipment

R$ 3.5B

Exposure

☀️

Solar PanelsSolar Panels

Photovoltaic systems and solar energy equipment

R$ 3.7B

Exposure

⚙️

Other EquipmentOther Equipment

Various industrial and specialized equipment

R$ 1.5B

Exposure

Highest Risk States

View all

Rio Grande do SulCritical(92)

58.2%

NatCat %

Santa CatarinaCritical(85)

52.4%

NatCat %

ParanáCritical(78)

48.8%

NatCat %

Rio de JaneiroHigh(74)

42.3%

NatCat %

São PauloHigh(72)

32.1%

NatCat %

Minas GeraisHigh(68)

38.5%

NatCat %

Espírito SantoHigh(65)

40.1%

NatCat %

BahiaHigh(62)

35.6%

NatCat %

Regional Overview — NatCat vs Non-NatCat

Premiums
NatCat Claims
Non-NatCat Claims