Dual-use reviewer interface

Insurer risk-reduction view from the same governed evidence base.

Insurers review continuity under stress, avoided downtime logic, vulnerability reduction, exposure mapping, operator accountability and field-action traceability without gaining write access or decision authority.

The insurer view is a different reviewer lens on the same Hub evidence. It does not create underwriting decisions, insurance advice, pricing, placement, coverage, certification or verified-loss claims.

Insurer authority boundary: no underwriting decision · no insurance advice · no pricing · no coverage · no certification · no write-back.

Insurer-facing evidence view

Risk-reduction, continuity and avoided-loss review.

Same evidence base, insurer-specific summary. Evidence, assumptions, missing records and validation requirements remain separated.

Insurer view statusChecking secured institution session…

Institution sessionApproved institutionRead-only insurer lens — no underwriting decision or write-back.

Evidence lineage

Reconstructability route

What happened, where, when, by whom, under what conditions, and with what evidence.

FieldTraceHubReviewer RouteFunding Spine

Verified evidenceUnverified evidenceAssumptionsValidation required

No evidence links loaded yetEvidence summaries will appear after the secured feed loads.

Structured avoided-loss calculator

Evidence-linked, assumption-visible logic

This calculator is a reviewer aid only. It does not verify losses, price risk, bind insurance or certify avoided loss.

Stress period / scenario Linked evidence summary

The first mapped evidence summary is selected automatically. Change it only if the assumption should be linked to another summary.

Baseline downtime during comparable stress period Observed downtime during stress period Estimated service value per downtime unit Exposure units / affected service units Vulnerability reduction estimate (%) Assumption status Reviewer notes

Calculation output

Risk-reduction summary

Output remains reviewer-visible and assumption-marked. It is not a verified loss calculation.

Avoided downtime: — Estimated avoided service interruption value: — Vulnerability reduction: — Assumption status: validation required

Assumptions clearly marked. Enter stress-period values to generate a reviewer-visible avoided-loss narrative.

Insurer assumption register

Saved downtime and vulnerability assumptions

Saved records remain assumption-marked unless reviewed and validated by Terra Vita admin.

No saved assumptions yetSave an avoided-loss assumption to create the first governed register entry.

Insurer export pack

Same evidence, insurer framing.

Export pack type: Insurer. No evidence mutation, no write-back and no decision authority.

Submit non-binding insurer interest

Risk-reduction summary Continuity evidence Avoided-loss logic Exposure map Validation status Gaps and limitations

Insurer export register

Saved insurer export records

Saved export records preserve evidence rows, assumptions, gaps and authority boundary at generation time.

No saved export records yetGenerate and save an insurer pack to create the first export register entry.