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About loss analyses
Touchstone enables you to model catastrophic (CAT) events to estimate property and workers' compensation losses.
About the detailed loss analysis module
Use the detailed loss analysis module to run a detailed loss analysis on the same exposure data that you imported for catastrophe modeling.
Configuring detailed loss analyses
These are the basic tasks for configuring detailed loss analyses.
About configuring financial settings
Configure a detailed loss analysis to use various financial settings.
Apply location terms for residential contracts
You can configure Touchstone behavior concerning location terms for residential contracts.

Using Touchstone online Help
You can access the top-level or context-sensitive Touchstone online help from within the application or from the Client Portal. You can then search for content, bookmark pages, and generate output to other formats.
Import data from external sources
You can import exposure data, map layers, projects, and reinsurance packages from external sources into Touchstone databases.
Projects and exposure views
Projects are a useful way to organize your data. They contain exposure views that contain the data that you want to focus on.
Geospatial analysis
Geospatial analysis enables you to perform a deterministic risk analysis with your own view of risk on accumulations of property exposures and workers' compensation information in given areas exposed to natural and man-made catastrophes.
Exposure data validation
Verisk provides a reference containing information about Touchstone exposure data.
Data Quality analysis
The most effective way to assess and enhance portfolio-level or contract-level catastrophe exposure data is to use Touchstone's Data Quality diagnostics. These diagnostics enable you to determine the strengths and weaknesses of the exposure data you are using for analyses and supplement that data when it is missing or weak.
Hazard analysis
Hazard analysis enable you to identify the relevant catastrophe hazards for locations in your exposure data.
About loss analyses
Touchstone enables you to model catastrophic (CAT) events to estimate property and workers' compensation losses.
- About the detailed loss analysis module
  Use the detailed loss analysis module to run a detailed loss analysis on the same exposure data that you imported for catastrophe modeling.
  - Configuring detailed loss analyses
    These are the basic tasks for configuring detailed loss analyses.
    - Create a new detailed loss analysis
      You can easily perform a detailed loss analysis.
    - Configure a deterministic loss analysis
      You can configure weapons and locations for a deterministic loss analysis.
    - Set detailed loss analysis settings
      In Analysis Settings , configure model, region, event sets, perils, demand surge, financial, and flexibility settings.
    - Selecting Perils
    - Apply an event set filter
      Applying an event set filter enables you to run a standard loss analysis for a user-defined subset of events in the event set that you have selected.
    - Specify demand surge options
      Reflect the increased cost of labor and materials following a major catastrophe by setting the Demand Surge options for loss results.
    - Min-max deductible policy
      This function enables you to set as a detailed loss analysis default whether to apply former or revised min-max deductible logic. This flexibility enables you to calculate the deductible with or without the application of location terms. Users can override the default when configuring a detailed loss analysis.
    - About configuring financial settings
      Configure a detailed loss analysis to use various financial settings.
      - Correlation
        You can choose whether to apply the correlation parameter between loss distributions during an analysis. The default is Off. If you select On, the loss engine applies the correlation and uncertainty defaults specified in the Loss Defaults section of the Administration Console
      - About specifying disaggregation options
        In Analysis Settings, use the disaggregation option to distribute aggregate (coarse resolution) location data down to a finer resolution, to locations where exposures are likely to be located based on lines of business represented in our Industry Exposure Database.
      - About specifying average properties
        Specify how Touchstone should apply average physical properties, such as soil type and land use/land cover data, at a region-specific geographic resolution, during a loss analysis.
      - About invalid construction/occupancy pairs
        In Analysis Settings, configure the financial engine to use the correct set, or pair, of construction and occupancy codes so that it can determine which damage functions to apply for each location.
      - Apply location terms for residential contracts
        You can configure Touchstone behavior concerning location terms for residential contracts.
    - About flexibility settings
      You can perform sensitivity analyses by applying a loss modification factor to detailed loss analyses.
    - Apply reinsurance programs
      Configure detailed loss analyses to apply treaty terms in associated reinsurance programs to the loss analyses results.
    - Specify output options
      Set output options to define the information to include in loss analysis results.
    - Specify analysis management settings
      You can specify various analysis management settings, such as the result database, before running a loss analysis or a geospatial analysis.
    - Edit job schedule and priority
      When an activity status is "Scheduled" or "Queued", you can edit it in the Activity Monitor.
  - Working with loss analysis results
  - Reference: Detailed loss analysis
- Loss Group analysis
  A Loss Group analysis enables you to combine two or more sets of loss results from different analyses into a single loss view, or group, which is then available for use as input to subsequent processes or analyses.
- Loss comparative analysis
- CAT XOL analysis
  A catastrophe excess of loss reinsurance program (CAT XOL) indemnifies the ceding company for that portion of the loss that exceeds the limit of its own retention per event.
- Marginal impact analysis
  A marginal impact analysis enables you to view the effect that a specific loss results set (the target or new portfolio/contract) has on another loss results set (the reference portfolio).
- User model management
  Use User Model Management to build custom non-Verisk models and seamlessly integrate them into Touchstone.
- Event set management
  Your Touchstone Re installation includes event set files for each peril and region licensed by your company.
- Configuring a loss analysis with a custom model
- Analysis Settings pane (Loss)
  Use this pane to configure catastrophe analysis settings.
Reinsurance
The Reinsurance Program Manager enables you to create, import, and manage reinsurance programs.
Touchstone data export types
Touchstone enables you to export different types of data.
Activity Monitor
The Activity Monitor displays the status of all activities.
Managing data sources
Use Data Source Management to manage Touchstone databases.
User model management
Use User Model Management to build custom non-Verisk models and seamlessly integrate them into Touchstone.
Model Builder
Administration Console
User interface
Reference: Common Help topics

Apply location terms for residential contracts

You can configure Touchstone behavior concerning location terms for residential contracts.

You can select either of the following options:

AIR default behavior: The application applies limits first and then deductibles.
Deductibles before limits: The application applies deductibles first and then limits.

Note: For commercial contracts, Touchstone always applies deductibles first.