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Coverage aligned to actual exposure windows, not estimated time periods
Traditional policies cover broad time periods regardless of actual activity. Our event-triggered approach activates coverage precisely when exposure begins and deactivates when it ends—eliminating idle coverage costs and enabling granular, per-activity pricing that benefits both carriers and policyholders.
How risk windows transforms underwriting for carriers.
Never pay for periods without actual exposure. Coverage exists only during verified activity.
Coverage starts the moment activity begins—check-in, equipment rental, or race start.
Coverage ends precisely when activity ends—checkout, return, or finish line.
Adjust coverage windows based on weather, facility conditions, or event modifications.
The specific data we collect to power risk windows.
Platform events that start coverage: check-ins, bookings, equipment pickups, race starts
Platform events that end coverage: checkouts, returns, race finishes, appointment completions
Configurable buffer times for transitions, warmups, and cooldowns
Weather cancellations, facility closures, or event modifications that affect windows
Average activity durations by type for predictive window optimization
Live modifications to coverage windows based on activity extensions or early endings
Real-world applications across our coverage verticals.
Example: Member checks in at 6:00 AM, coverage activates; checks out at 7:15 AM, coverage ends
Example: Coverage activates at race start gun; deactivates when participant crosses finish or DNFs
Example: Kayak rental checkout at 10 AM starts coverage; return at 2 PM ends it
Example: Client arrives for 90-minute treatment; coverage spans check-in to departure
Side-by-side comparison for risk windows.
| Feature | Traditional | Event-Triggered |
|---|---|---|
| Coverage Period | Annual or monthly | Per-activity (minutes to hours) |
| Idle Time Covered | 95%+ of policy period | 0% |
| Premium Utilization | ~5% applied to actual risk | 100% applied to actual risk |
| Window Adjustment Speed | Next renewal cycle | Real-time |
| Cancellation Handling | Complex pro-rata refunds | No coverage = no charge |
See how risk window precision can transform your underwriting process. Schedule a personalized demo with our carrier partnerships team.