Four inputs.
Explainable BI vulnerability score & indicative premium.
Transparent weighted-sum model. Objective dual-trigger verification. Target rapid payout with minimal paperwork. (Sample data shown for prototype validation.)
Quick Access
Today's Business Interruption Risk at a Glance
Sample infection data and your facility's diagnosis side-by-side. The 'Existing Coverage' card on the right is locked at ₩0 — the market gap SAVOR is built to close.
Sample Data Map
83 confirmed cases in a single facility led to a forced shutdown. The insurance payout from existing policies was ₩0.
Dedicated parametric BI coverage for logistics-center pandemic shutdowns does not appear to be widely commercialized in the domestic market.
Recurring infectious-disease events over the past two decades (SARS, H1N1, MERS, COVID-19) highlight the need for preparedness before the next disruption.
Published reviews support ventilation quality as an important factor in respiratory virus transmission risk. SAVOR uses this as the basis for the ventilation weight in the score.
Tell us about your facility
Enter the four variables and the model returns a 0–100 risk score and monthly premium. All weights are disclosed and grounded in published research and case law.
Tell us about your center
Legal context · Korean BI litigation precedent treats worker density as a material safety factor in cluster-outbreak claims
Evidence · Peer-reviewed ventilation literature supports ventilation quality as a key transmission-risk factor
Operational rationale · Daily throughput reflects external inflow, shift turnover, and repeated contact opportunities
Sample data · Public health data integration planned post-launch
Existing Coverage vs SAVOR Prototype
Standard fire and general liability policies expressly exclude business interruption arising from infectious-disease shutdowns. SAVOR is a parametric product designed to fill exactly that gap.
Fire / GL / Property Pkg.
Standard package most logistics centers carry
- Business interruption from pandemic shutdown
- Government-mandated closure coverage
- Full-facility decontamination cost
- Tenant/3PL delivery delay liability
- Physical fire / structural collapse damage
- Worker safety / workers' compensation
Pandemic Business Interruption Insurance
Parametric coverage with auto-payout when both facility-level outbreak and official shutdown / disinfection order are triggered
- Business interruption from pandemic shutdown
- Government-mandated closure coverage
- Full-facility decontamination cost
- Tenant/3PL delivery delay liability
Fire, property damage, and workers’ compensation remain under existing insurance lines.
Dual-Trigger Parametric Payout
Coverage activates only when both objective triggers are verified. After verification, the parametric indemnity is targeted for rapid payout with minimal paperwork.
Prototype Notice. This interactive prototype requires manual input of the 4 variables. At commercial launch, scores may be partially automated using operator-submitted facility documents, building registry data, occupational safety records, ventilation certifications, and future public-data integrations where available.
Request Underwriter Consultation
In this prototype, submission displays an acknowledgment only. In a commercial pilot, an underwriter would review the application and contact selected operators after verification, with the final premium confirmed after on-site measurement of ventilation and density.
Today, two very different facilities pay the same premium.
SAVOR is designed to make that risk difference measurable and insurable.
Large Complex input → 88 pts, +30% surcharge. Safe Small Center → 22 pts, −20% discount. Same policy wording, different price. That is the risk-measurement gap we close.
What we want the judges to know upfront
- This dashboard is a prototype built for the 4th National University Risk Management Competition.
- Infection figures are indicative sample data; production will hydrate them through public-data integrations where available.
- Ventilation grade and worker density are entered manually here. In production, partial automation will use operator-submitted facility documents and public data where available.
- The application form is a prototype flow; the live underwriting application will follow standard solicitation, underwriting, and personal-information regulations once a pilot cohort is confirmed.
Frequently Asked Questions
4th National University Risk Management Competition prototype — interactive review screen for judges.
QIs this an actual insurance product?
No. This is an interactive prototype built for a student risk-management competition. Submitting the application form does not transmit real data — only an acknowledgment is shown.
QWhat is the basis for each weight?
Weights are based on a transparent prototype baseline using legal context, ventilation literature, epidemiological logic, and operational assumptions. They will be recalibrated with pilot loss data before commercialization.
QWill operators still need to enter the data manually after launch?
At commercial launch, scores may be partially automated using operator-submitted documents, facility records, ventilation certifications, and public-data integrations where available. Some variables may still require manual underwriting verification.
QWhat exactly is the dual-trigger structure?
Coverage activates only when BOTH (1) a facility-level outbreak threshold is reached AND (2) an official shutdown / disinfection order is issued. After objective verification of these two triggers, the parametric indemnity is targeted for rapid payout with minimal paperwork.