REINSURANCE · DESK / PROTODESKRDM-03

CLAIMS / LOSS SCENARIO

Claims relevance is not assumed. The task is to test whether RDM-03 could create a credible loss pathway across interruption, equipment, service dependency or policy interaction, and where that pathway would terminate.

OBSERVEDLarge-load / disconnection events

MODELLEDWider system propagation

INFERREDCross-exposure correlation

UNPROVENInsured consequence

RDM-03 / DESK ANATOMY

GUARD & CREATE

EACH ROW SHOWS A SEPARATE DECISION PATHWAY THROUGH RDM-03: WHAT THIS DESK MAY NEED TO GUARD FROM THE DEPENDENCY, WHAT THE DEPENDENCY COULD HELP IT CREATE, AND WHICH DECISION MAY CHANGE.

#	Decision area	Guard from this dependency	Create with this dependency	Decision question
01	LOSS INITIATION	Observed grid and load events do not automatically imply insured loss.	A claims pathway can separate the physical event from the first potentially insured consequence.	What is the first credible insured loss event in a RDM-03 chain?
02	BUSINESS INTERRUPTION	Grid instability may affect operations without producing a covered interruption.	A pathway test can identify where interruption becomes plausible and where coverage questions arise.	Where could RDM-03 create a business-interruption pathway?
03	EQUIPMENT DAMAGE	Voltage or system disturbance may not translate into physical damage.	Engineering and claims evidence can determine whether equipment-damage scenarios are credible or speculative.	What physical conditions would be required for RDM-03 to produce equipment damage?
04	SERVICE DEPENDENCY	Loss may arise through a dependent service rather than the insured site itself.	A service-dependency map could reveal indirect pathways missed by asset-centric analysis.	Which dependent services could carry RDM-03 into an insured loss?
05	MULTI-POLICY INTERACTION	A single dependency could touch several policy types or insured entities.	Mapping policy interaction could reveal aggregation or recovery complexity before a real event.	Where could one RDM-03 event engage multiple policies or classes?
06	CAUSATION	A complex grid event may create competing causal explanations.	A bounded causal chain can identify what evidence would be needed to attribute loss to the dependency.	What evidence would be required to establish causation in a RDM-03 loss?
07	LOSS AGGREGATION	Claims may emerge across accounts that are not grouped as one event today.	A dependency-based event view could reveal where aggregation assumptions need examination.	Could RDM-03 create one loss event across accounts currently treated separately?
08	CLAIMS LEARNING	If a related event occurs, conventional claims coding may not preserve the dependency evidence.	A small set of targeted fields could turn future claims into evidence for or against RDM-03.	What should claims capture now so a future event can test RDM-03 rather than merely describe it?

Decision area

Guard from this dependency

Create with this dependency

Decision question

LOSS INITIATION

Observed grid and load events do not automatically imply insured loss.

A claims pathway can separate the physical event from the first potentially insured consequence.

What is the first credible insured loss event in a RDM-03 chain?

BUSINESS INTERRUPTION

Grid instability may affect operations without producing a covered interruption.

A pathway test can identify where interruption becomes plausible and where coverage questions arise.

Where could RDM-03 create a business-interruption pathway?

EQUIPMENT DAMAGE

Voltage or system disturbance may not translate into physical damage.

Engineering and claims evidence can determine whether equipment-damage scenarios are credible or speculative.

What physical conditions would be required for RDM-03 to produce equipment damage?

SERVICE DEPENDENCY

Loss may arise through a dependent service rather than the insured site itself.

A service-dependency map could reveal indirect pathways missed by asset-centric analysis.

Which dependent services could carry RDM-03 into an insured loss?

MULTI-POLICY INTERACTION

A single dependency could touch several policy types or insured entities.

Mapping policy interaction could reveal aggregation or recovery complexity before a real event.

Where could one RDM-03 event engage multiple policies or classes?

CAUSATION

A complex grid event may create competing causal explanations.

A bounded causal chain can identify what evidence would be needed to attribute loss to the dependency.

What evidence would be required to establish causation in a RDM-03 loss?

LOSS AGGREGATION

Claims may emerge across accounts that are not grouped as one event today.

A dependency-based event view could reveal where aggregation assumptions need examination.

Could RDM-03 create one loss event across accounts currently treated separately?

CLAIMS LEARNING

If a related event occurs, conventional claims coding may not preserve the dependency evidence.

A small set of targeted fields could turn future claims into evidence for or against RDM-03.

What should claims capture now so a future event can test RDM-03 rather than merely describe it?

THE REINSURANCE QUESTION

WHAT LOSS PATHWAYS, BUSINESS-INTERRUPTION CHAINS OR CROSS-POLICY INTERACTIONS WOULD APPEAR IF THE DEPENDENCY PROPAGATED?

This is the governing question for this decision territory. The matrix above decomposes it into the smaller consequences, opportunities and questions that can be tested independently.

THREE BUYING OPTIONS

CONSEQUENCE REPORT.
OPPORTUNITY REPORT.
OR BOTH.

01 / CONSEQUENCE REPORT

GUARD FROM THIS DEPENDENCY.

THIS DESK RECEIVES: CAUSATION PATHWAYS, EVENT-DEFINITION QUESTIONS, CROSS-POLICY INTERACTIONS, BI CHAINS AND LOSS-AGGREGATION SCENARIOS.

€25KFIXED

02 / OPPORTUNITY REPORT

CREATE WITH THIS DEPENDENCY.

THIS DESK RECEIVES: NEW LOSS-PATHWAY MAPS, CLAIMS SCENARIOS, CROSS-POLICY VIEWS AND RESPONSE CLARITY.

€25KFIXED

03 / BOTH

GUARD + CREATE.

Two complete positions from one dependency and shared evidence base.

€40KFIXED · SAVE €10K

OTHER REINSURANCE DESKS / PROTODESKS

Accumulation / Exposure Management Portfolio / Aggregate Management Treaty / Specialty Underwriting Technical Risk / Engineering CRO / Enterprise Risk Actuarial / Analytics Cross-Class Dependency Owner

RDM-03 evidence boundary: initiating events observed; wider propagation modelled; correlation inferred; insured consequence unproven. GUARD, CREATE and DECISION QUESTION rows are outside-in decision views, not claims about any institution's actual portfolio, models or internal position.

This desk is also published as a function of the Reinsurance surface: Claims / Loss Scenario →