Conclusion: what the tool enables users to test

1. Identify data on each country-risk’s frequency and severity (historical + synthetic/simulated).

2. Layered coverage approach, where local resources (Layer 1) are supplemented by a risk pooled global fund (Layer 2) with insurance back up (layer 3).

3. Total liability if multiple risks trigger in the same year.

4. Optimise coverage by adjusting triggers, exhaustion points, reinstatements and reinsurance.

5. Ensure predictable, pre-arranged financing that bolsters disaster response planning and upholds the right to protection for those at risk.