galisure
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SOVEREIGN CAUSAL AI · Galisure v0 preview

The neutral determination and trigger-validation layer between carrier and policyholder.

Parametric insurance is deterministic by construction: loss adjustment happens at underwriting via a predefined trigger, not at claim time. Galisure carries no principal risk. A specialty carrier or reinsurer holds the risk. Galisure runs the trigger, the calculation, and the sealed audit trail.

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Principal risk carried
ZERO
Determination shape
Deterministic
Trigger data source
Public reanalysis
Seal per determination
SHA-256
MECHANISM

Parametric loss adjustment happens at underwriting, not at claim time.

A predefined, publicly-verifiable trigger replaces the loss-adjuster site visit. When the trigger fires, the policy pays. When it does not, it does not. Galisure is the neutral machine that runs that determination and seals it.

  1. 01
    Trigger defined at bind
    Every payout condition is signed into the policy at underwriting: window, metric, threshold, shape.
  2. 02
    Feed ingested from a public source
    Open-Meteo ERA5 reanalysis by default. Same URL an auditor can hit to reproduce byte-for-byte.
  3. 03
    Payout computed deterministically
    One function, one output. No adjuster judgement, no discretion, no negotiation.
  4. 04
    Determination sealed
    Canonical JSON, SHA-256, per determination. Chain-of-evidence for regulator and carrier.
REGULATORY TIMING · 2026

The NAIC Model Bulletin on the use of AI systems by insurers, and the NAIC AI Systems Evaluation Tool pilot launched in January 2026, both demand auditable, explainable underwriting decisions. That is not a compliance burden to work around. It is the shape Galisure was built for.

PRODUCT LINE v0

A single, well-specified parametric weather line.

One line first, not a broad platform. Public station-grade climate reanalysis is the cleanest starting trigger source and mirrors the honest-data discipline already used inside the Galirisk weather/climate pack. Three sample policies below cover the three trigger shapes the engine implements.

rainfall deficit mm
Fenlands Grain Cooperative (synthetic)
Lincoln, UK · 53.231, -0.541
Window
2025-06-01 → 2025-08-31
Threshold
120
Sum insured
£250,000
Premium
£12,400
Payout shape
linear
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rainfall excess mm
Levels Field Trust (synthetic)
Bridgwater, UK · 51.128, -3.003
Window
2025-10-01 → 2025-11-30
Threshold
260
Sum insured
£400,000
Premium
£21,800
Payout shape
linear
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heat days over c
Barossa Vineyards Cooperative (synthetic)
Nuriootpa, AU · -34.471, 138.994
Window
2026-01-01 → 2026-02-28
Threshold
38 (>5d)
Sum insured
US$320,000
Premium
US$18,100
Payout shape
step
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POSTURE

Built to the mechanism. Ready to be stress-tested.

Same standard as every Galiark pack before specialist validation: built to the mechanism, ready for a real actuary or underwriter to break, not claimed as validated by anyone else yet.

LEADERSHIP

Tom Bennett covers methodology. A carrier or reinsurer authority is required to counter-sign the class. Not yet named. No name will appear in Galisure materials until that authority is signed and announced with Matt's approval.

WHAT GALISURE IS NOT
  • — Not a carrier. Never holds principal risk.
  • — Not a broker. Sits inside the determination pipeline, not the placement layer.
  • — Not a loss adjuster. Parametric replaces adjudication at claim time.