One product line. Built to the mechanism.
Galisure v0 is a parametric weather line. This page states, without hedging, what is in scope, what is out of scope, and what a real actuary or underwriter should look at first.
- — A predefined trigger, signed into policy at bind.
- — A publicly-verifiable feed (Open-Meteo ERA5) as the trigger source.
- — A deterministic evaluator, tested against fixed observation sequences.
- — A canonical-JSON, SHA-256 seal per determination.
- — Honest handling of missing observation days (flagged in reasoning).
- — A fallback path (deterministic synthetic feed) that is tagged as such and cannot masquerade as the real feed.
- — Placement, capital, reinsurance. A specialty carrier or reinsurer holds the risk. Galisure is not one.
- — Claim adjudication. Parametric replaces it.
- — Broker workflow.
- — Multiple perils per policy. One trigger per policy in v0.
- — Continuous re-underwriting. Term policies only.
- 1. Reproduce the Open-Meteo request from the recorded URL, check bytes match.
- 2. Rebuild the canonical JSON envelope, re-hash, expect the record_sha256 to match.
- 3. Push soft/hard thresholds to boundary values; expect payout_ratio to clamp cleanly to 0 and 1.
- 4. Inject a null observation day; expect it to be surfaced in the reasoning trace, not silently zeroed into the metric.
- 5. Move the window start by one day either direction; observed metric should shift monotonically for cumulative triggers.
Galirisk sets a risk number. Galisure determines whether a predefined, trigger-based contract has fired.
Underneath both is the same discipline: causal, deterministic, sealed. The shared spine is why the parametric line lands here and not somewhere else.
Zero principal risk is the load-bearing commitment. Galisure never carries the loss. That is not a marketing line, it is a design constraint the code enforces (no capital, no premium book, no reserving).
Methodology: Tom Bennett. Carrier / reinsurer authority: to be added, not yet named. No external name will appear on Galisure surfaces until that signer is confirmed. This is by rule, not oversight.