Four-Factor Risk Model
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SkyGuard
Confidential  |  Internal Use Only
Aviation Risk Assessment Report
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🔍 Smart Accident / Incident Search
Searches public sources (SACAA, ASN, NTSB, AAIB, aviation news) for this pilot, scores the Accident / Incident History question and lists the full record details below. Also runs automatically after Read Pilot Documents → Apply to Pilot.
Hannover Re Lookup Keys
Awaiting inputs
SEC drives LegacyShield (mortality). LicenseShield uses Hannover Class A as the base — risk differentiation for higher occupation classes comes from the 4-factor aviation loading. BrokenWing uses Pilots automatically. Quote is Year-1 new business; renewal rates handled by the 5-year projection.
SkyGuard Life — Cover Amounts (USD)
Risk Profile
Exclusions Summary
No exclusions applied.
General Policy Exclusions

Add standard policy exclusion clauses. These do not affect the risk score. Manage via Admin → Exclusions.

Notes to Underwriter

Add any additional notes, observations, or special considerations for the underwriter. These notes will appear in the PDF report.

Result Mapping
Aviation Assessment Outcome

Select the Liberty underwriting reference that applies to this pilot/risk. All Liberty product outcomes will populate automatically and carry through to the PDF report.

No rule selected. Choose a reference above to view Liberty product outcomes.
Liberty Notes to Underwriter
System-generated notes appear automatically (age rules, applied exclusions). You may add your own notes in the free text area below. All notes flow to the PDF report.
Liberty Policy Exclusions
Select any Liberty exclusion codes (U-codes / N-codes) to apply to this assessment.
Risk Summary

Generates a brief underwriting summary of this assessment, drawing on all factor scores, pilot details, and applied rules. Editable before save. Appears at the end of the PDF report (just before signatures).

The Risk Summary is a computer-generated summary of the report.
Ready to save?
Save this assessment to store all scores, exclusions, and documentation.
Overall Risk Score
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Incomplete
Complete all fields to calculate
Factor Breakdown
Likert Risk Scale  (1 = Low · 7 = High)
1   Very Low Risk
2   Low Risk
3   Low-Moderate Risk
4   Moderate Risk
5   High Risk
6   Very High Risk
7   Extreme Risk
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Company Date Policy No. Pilot / Insured Line Score Risk Level Actions
Aviation Safety Attitude Questionnaire

Based on the Hazardous Attitude Scale (Hunter, 2005). Rate each of the 30 statements honestly on a scale from Strongly Agree to Strongly Disagree. The total is converted to a 1–7 Likert risk score and auto-fills the Aviation Safety Attitude aspect in Human Factors.

Safety Attitude Score
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Answer all questions to calculate
Invoice Generator
Supplier Details (you) — saved for all invoices
Banking Details (for payment)
Recipient Details (the company being invoiced) — saved per company
These fields auto-save under the selected company. Switching company loads that company's saved details.
Additional Line Items
Saved Invoices
Every invoice you Print or Download is saved here automatically with all its details (supplier, recipient, every line, totals) and synced to all your devices. Click Open to restore one.
Team Access — Web Logins

Assign each web login a role. Owners see everything; Managers and Underwriters are limited to one company and line. First create the login in Supabase (Authentication → Add user), then set their rights here using the same email address.

User Management

Each user is tied to one licensee Company and one Insurance Line. They can only ever see that scope. Use Activate to flip your session into that user's view. Owner-only — this tab is removed from the licensee build.

SkyGuardAVIATION · RISK · INTELLIGENCE

FDM Model

Flight Data Monitoring
Step 1 · Select the operator (insured client)

Import flight telemetry

Pick the operator this data belongs to. Uploads are saved per operator and build up over time.
Step 2 · Add a telemetry file

Drop a flight-telemetry file below — CSV, Excel (.xlsx/.xls) or Apple Numbers (.numbers). It's saved to the selected operator and merged with their previous uploads. Everything is processed in your browser.

Drop your flight-telemetry file here
Track-point telemetry — per-point position, speed & altitude — for full FDM, or a trip / utilisation summary — per-flight totals — for fleet utilisation. The model reads common export formats and detects the type automatically.
Choose file…
Flight behaviour analysis

Flight Behavior Analysis

Density heatmaps and distributions of how the aircraft was actually flown, in real units, with its operating limits drawn as dashed reference lines. Anything pushing toward a limit line is where the airframe is being worked hardest.

Aircraft comparison

Behaviour comparison — overlay vs a reference

Overlay one aircraft's flight-behaviour fingerprint (blue) against a reference aircraft (red) across bank angle, acceleration and vertical rate — as density maps (top) and distributions (bottom). Save any aircraft as a named reference to compare future uploads against it.

Utilisation

Flight time & cycles

How hard the airframe is worked — the basis for charging premium on actual flight time.

Flight hours by day
Next phase: split each flight into airborne (flight-time risk) vs on-ground time so premium can be charged for actual flight time and ground-risk-only otherwise, and feed utilisation-based rebates into the Four-Factor model.
Exceedance log

FDM exceedances

Onboard-reported events plus engine-derived exceedances, clustered so one manoeuvre counts once. Severity on the SkyGuard 7-point scale.

Data coverage

Coverage & missing days

Every day in the assessment period must be accounted for. A day with no telemetry is flagged as missing — it is never assumed to be ground or maintenance. Resolve a missing day by uploading its data, or click it to confirm it as parked / maintenance (which then counts as ground).

Assessment period
flown
ground (data present)
parked / maintenance (confirmed)
missing — click to confirm parked
Telemetry rebate

Premium rebate — utilisation & flight behaviour

A reward for low utilisation, more time on the ground, and clean flying — capped at 20%. Exceedances reduce the rebate but never add a surcharge (partnering, not policing). The net rebate is applied to each aircraft's four-factor hull premium (USD columns below) and flows into the operator report.

Rebate settings
Per-aircraft rebate
How it works: ground/air time sets the reward — a full-flight policy assumes the aircraft is always airborne (top risk); time on the ground is lower-risk, so it earns a rebate. Exceedances (per the editable severity scale) reduce that rebate toward zero but never make it a surcharge. The net is capped at the maximum above. When merged with the Four-Factor model this becomes an actual premium adjustment in USD.
Territorial risk

Territorial exposure — air & ground time by country

Real-time risk exposure: time each aircraft spent airborne (overflight risk) and on the ground in each country, weighted by the country's air/ground risk, and charged as a % of the aircraft's hull value (so a $30m jet pays more than a $3m turboprop on the same route). Country risk comes from the shared SkyGuard country database — edit it with ⚙ Country risk. Ground-Risk-Only aircraft carry no air loading.

Territorial rates (annual % of hull) & war appetite

Air & ground territorial loadings apply to overflight and landed time. War appetite is set in the four-factor assessment (Operator → War Risk Appetite). Aircraft that elected war cover pay a baseline on the base country + a flight-data true-up. Safety net: an aircraft that did not elect war cover but enters a country at/above the appetite has war auto-activated and charged (protects clients who forgot to elect it). Appetite Off = explicit waiver, no war and no safeguard.

Operator report

Monthly / quarterly risk & premium statement

A per-operator report built from the saved data over the assessment period (set on the Coverage tab). Fill the policy details and base premiums below, then print to PDF to supply to the operator.

Report details
Turn off the browser's “Headers and footers” for a clean page.
Geographical track

Track map

Flight tracks coloured by altitude, with exceedances pinned by severity. Tap a pin for detail.

low altitude
high altitude
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sev 3
sev 5
sev 7