Synthetik Insurance Technologies (Synthetik), a Lloyd’s Lab graduate empowering insurers with next generation risk assessment, catastrophe modelling and exposure quantification, has produced a detailed response to the Lloyd’s 2025 Strike, Riot and Civil Commotion (SRCC) Extreme Disaster Scenario (EDS). The EDS considers potential outcomes from a catastrophic earthquake along the Cascadia Subduction Zone in the U.S.
Applying its advanced modeling platform, srccQuantum, to the EDS, Synthetik has evaluated potential losses from SRCC events triggered by societal reactions following such a catastrophic earthquake.
The modeling addressed two distinct types of SRCC events:
- Organized demonstrations in major North American cities,
- Dispersed civil unrest in smaller towns and cities along the West Coast directly impacted by the earthquake.
Synthetik analyses revealed significant aggregation risks, particularly through contagion-like spread along economically and symbolically significant pathways. Also, vulnerabilities in second tier and regional cities, which have been historically considered lower risk, show indications of latent exposure. The report includes predicted losses and risk maps for cities such as San Francisco, New York, Vancouver and Washington DC.
Tim Brewer, Chief Operating Officer, Synthetik: “SRCC has transitioned from a secondary concern to a central focus within not only the political violence market but also for broader all-risk property policies, with research indicating a steep rise in both frequency and severity of events globally. These shifts demanded a reassessment of risk modeling practices within the Lloyd’s insurance market. Using our next-gen SRCC platform focused on generation of data-driven event scenarios, we have evaluated this shift in potential loss patterns and exposures under realistic conditions across North American urban centers.”
Josh Hatfield, Chief Product Officer, Synthetik: “This report underscores the critical importance of adopting advanced modeling practices to effectively anticipate and mitigate SRCC exposures, enhancing the insurance market’s overall resilience. The srccQuantum platform provides insurers with a robust, predictive analytical tool to address these complex risks. It facilitates more accurate pricing, improved reinsurance structuring and enhanced portfolio management strategies.”
To read the full application of srccQuantum to the Lloyd’s 2025 SRCC EDS, please click here.