Bands × HORO — insurance

Band	Step	Description	premium % / yr
UNINSURED · uninsured	base	self-insurance — risk stays with the holder	0
STATUTORY · statutory minimum	share	legal minimum (e.g. motor third-party liability)	0.005
LIABILITY · liability	weave	general civil liability	0.01
CROP_CARGO · crop / cargo	crest	specific risk — crop, transit, livestock	0.025
COMPREHENSIVE · comprehensive	descent	all-risks — property + business interruption	0.04
CATASTROPHIC · catastrophic	round	nat-cat — flood, earthquake, windstorm	0.08
REINSURANCE · reinsurance / captive	unity	cover for insurers themselves / captive vehicle	0.15

Sources (2)

• EIOPA — Insurance statistics (EU)(2024-01-01)
• IAIS — International Association of Insurance Supervisors(2024-01-01)