The 2025 Industry Exposure Database (IED) by PERILS AG, an independent provider specializing in catastrophe insurance data, heralds a new era of comprehensive market exposure insights. This updated database now includes significant data on severe convective storms (SCS), expanding across regions such as Europe, Japan, and New Zealand. It covers an impressive scope of insured property assets valued at $108 trillion, distributed over 67 market portfolios across 21 nations, including economic giants like the United Kingdom, Germany, the United States, and Japan. In an unprecedented move, SCS-related exposures are now dissected to include both property and motor hull coverage, emphasizing the substantial losses often incurred during storm events.

The evolution of insurance data collection is empowering insurers to navigate the future’s uncertainties with a clearer vision and more precision.

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The IED's expansion in 2025 showcases a 3.9% rise in insured asset exposure year-over-year when calculated at constant US dollar exchange rates. However, due to the dollar's appreciation throughout 2024, this figure translates to a 2.8% decline when variable exchange rates are applied. The report also exhibits a stabilization in inflation's impact on the market, as European windstorm sums insured increased by 3.4% at fixed euro exchange rates and 4.0% at fluctuating rates. This development signifies a resurgence to pre-2023 growth rates, a stark contrast to the previous period marked by heightened inflation.

Data collection for the IED stems from valuable direct contributions from a majority of insurance providers within the regions under PERILS' scrutiny. The exposure data, updated as of January 1, 2025, is meticulously categorized by the CRESTA zone level and segmented by line of business and coverage type. This robust database serves critically in catastrophe risk modeling. It aids insurers and reinsurers in meticulously evaluating market risk exposures, thus establishing benchmarks for a company’s relative standing in the market and enhancing the understanding of asset vulnerability when paired with event loss data.

Christoph Oehy, CEO of PERILS, emphasized the burgeoning demand within the industry for detailed SCS data. He stated, 'There has been an increasing demand from re/insurers for PERILS to expand our exposure database to include severe convective storm perils, following recent multi-billion-dollar loss events in nations like Germany, France, and Italy.' Oehy also highlighted the significance of the inaugural public availability of systematically aggregated motor portfolio data on a market-wide scale, a segment particularly susceptible to hail events during SCS occurrences. This comprehensive dataset allows industry stakeholders to make more informed decisions, paving the way for greater resilience against catastrophic events.