Comprehensive platform for portfolio management, risk modeling, pricing, underwriting, claims automation, and analytics of parametric cyber insurance covering cloud outage business interruption for Tunisian SMEs.
# CoBiTun
> Parametric cloud outage insurance and cyber indemnity platform for Tunisian SMEs.
CoBiTun is a POC full-stack SaaS application built with Next.js 16 and Prisma. It combines parametric cloud outage insurance, cyber indemnity, claims workflows, fraud detection, audit-safe data controls, multilingual UIs, and deployment-ready Docker configuration.
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## Project Overview
CoBiTun is designed for three core use cases:
1. **Small and medium Tunisian businesses** can apply for parametric outage insurance and cyber indemnity insurance, monitor SLA violations, and submit claims.
2. **Insurance operations teams** can review applications, manage underwriting workflows, approve policies, handle claims, keep reserves, and run reinsurance/accounting tasks.
3. **Compliance/security teams** can monitor fraud, session activity, audit trails, and secure data handling through encryption, CSRF protection, rate limiting, and idempotency.
This repo is a complete application that includes:
- Customer signup, authentication, password recovery, and profile management
- Role-based dashboards for customers, admins, and super admins
- Parametric outage policy creation linked to IODA outage signals
- Cyber indemnity application and cyber claim management
- Workflow engine enforcing state transitions and terminal states
- Reinsurance, claim reserves, endorsements, renewals, refunds, and notifications
- Fraud scoring using rule-based heuristics and LLM analysis
- Raw PDF generation for policies and declarations of loss
- Multi-language interface with English, French, Arabic, and RTL support
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## Detailed Capabilities
### Insurance Products
- **Parametric Cloud Outage Insurance**
- Application forms for parametric policies
- Integration with IODA outage detection for ASN-based cloud provider monitoring
- Outage event and time-series signal visualization
- Automated policy triggers when outages cross SLA thresholds
- Parametric claim submission and payout workflows
- **C …