Decision-grade geological and country-risk substrate for the underwriting file. Substrate, not underwriter.
The single most useful thing an intelligence supplier can tell an underwriting team is where its data stops. This is that line — drawn explicitly, using a Present / Derived / Absent boundary — the same three-state discipline as the platform’s Sourced / Derived / Absent Quality Standard, named for the substrate context.
Sourced substrate — primary-source or named-authority backed.
Editorial heuristics over the Present layer. Methodology disclosed; not underwriting output.
Underwriting outputs. Deliberately not produced — these are your call.
Five classes of cover where Africa mining substrate feeds an underwriting file. In every row, the last column stays with you — the substrate informs the analysis; it does not make the decision.
| Line of cover | Substrate Afrimintel holds | What it informs in your file | What stays your decision |
|---|---|---|---|
| Property + Business Interruption | Deposit siting, province context, ACLED admin1 event density, operator capex disclosures | Accumulation context, security-environment baseline, asset concentration | PML/EML, rate, deductible, cat load |
| Political Risk (PRI / CEND) | Country composite (governance / fiscal / Fraser), sovereign-SOE stake %, tenure-dispute context | Country screening, expropriation / contract-frustration exposure context | CEND rating, capacity, tenor, pricing |
| Construction / Erection All Risks | Project stage, FID status, infrastructure-corridor exposure, capex profile | Construction-phase risk context, delay-exposure framing | CAR/EAR rate, DSU terms, sub-limits |
| Plant, Vehicle & Transit | Corridor / logistics exposure, ACLED event density along routes | Transit-route risk context, route security baseline | Transit rate, route exclusions, conveyance limits |
| Trade Credit | Offtake / counterparty context, sovereign stake, country fiscal band | Counterparty and country screening context | Credit limit, terms, country aggregate |
Africa mining account screening and renewal context where in-house continent coverage is thin.
Treaty and facultative context on African mining exposures behind cedants' books.
Box-side substrate for energy / mining / political-risk classes writing African risks.
Operator-side context for self-insured retentions and corridor / asset exposures.
A mining major’s captive insuring the parent’s African operations needs asset-level country, conflict and ownership context to set retentions and document its risk position. The platform supplies that substrate per asset. Worked coverage today spans the operating, pre-FID, disputed-tenure, post-settlement and corridor cases in the case studies — illustrative of the application across a parent portfolio, not a complete map of any single operator’s asset base. Retention strategy, captive feasibility, and parent-exposure aggregation remain the captive’s and its advisers’ work; the platform supplies inputs, not the captive analysis.
Every figure the platform surfaces carries a provenance state — Sourced (named authority + date), Derived (disclosed methodology), or Absent — under a published Quality Standard with a correction-velocity SLA. That auditable lineage is the form a model-input or data-validation review asks for: a validator can see what each input is, where it came from, and where the gaps are, rather than taking a black-box feed on trust.
Country-level substrate (composite risk, governance, fiscal terms) spans 40 African country profiles; asset-level intelligence-grade depth is currently 18 dossiers across 13 provinces, with five fully worked for the insurance view. The platform is broad at country level and deep at a worked-asset level — it is not yet continental at asset depth, and does not claim to be.
Global catastrophe and risk platforms — Verisk / AIR, Moody's RMS, Munich Re's NATHAN, and the broker analytics from Aon and Marsh — are deep on peril modelling and thin on Africa-specific geological and country substrate. Afrimintel sits underneath, not across: it supplies the continent-specific deposit, province, ownership, and conflict substrate those platforms generalise over, in a form an underwriter can pull into the file they already run on the global tools.
It complements those tools. It does not replace a cat model, a rating engine, or an underwriter's judgment, and it does not pretend to.
Insurance is a layered application of the existing Afrimintel substrate, not a separate data product. The geological province scoring, deposit intelligence, country composite, ACLED admin1 substrate, and ownership records are the same records used across the platform; the insurance view re-surfaces them against classes of cover and adds a disclosed screening-tier heuristic over the country composite. The full methodology — including the composite-to-screening-tier mapping and its caveats — is documented in the platform methodology.
The insurance substrate is the same platform substrate surfaced for this audience; it sits within the Institutional tier, with bounded, scoped engagements possible under Project work where a specific book or corridor needs dedicated coverage. See pricing.