Better pricing and risk management for insurers.
We combine applied science with responsibility for the result: better prices, fewer unnecessary inspections, faster claims and a clearer view of catastrophe exposure.
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What we work on
Pricing
Prices that match the risk in each segment and area, and rate changes tested before they go live.
We analyse your rates by segment and area to show where they are too high or too low and which factors drive losses. The same models can feed dynamic pricing, and you can test a rate change on your book before you introduce it.
Underwriting and inspections
Inspections sent where they matter, and changes at insured locations seen early.
Building features and changes read from satellite and aerial imagery are combined with inspection reports, photos and policy documents. You see which locations have changed since the policy was written, and where an inspection or a risk-reduction step is worth it.
Catastrophe risk
Exposure and accumulation known before an event, and past events replayed on today’s book.
Flood and wildfire models and accumulation limits per area, linked to your reinsurance programme. A past storm or flood can be replayed on your current policies.
Claims
Faster assessment and less leakage, with adjusters starting from checked information.
Information from claim forms, photos and video is linked with the policy and with satellite and aerial images of the location, so adjusters start from checked information.
What you get
A solution built around your business goal.
We agree the goal and how to measure it with the person responsible for the area, and we track the result after release.
Solutions calibrated on your own losses and inspections.
We start from our own methods and outside data, then calibrate the model on your losses, inspections and policy records. Accuracy is measured on data the model has not seen and is comparable with your current method.
Documentation your actuarial, risk and audit teams can follow.
Data, assumptions, methods and test results written down, with versioned code and data, so the work can be reviewed and repeated.
Already buying risk scores or property data?
Our solutions can use the scores and data you already buy, calibrated on your own losses.
Third-party scores become one input among several, and our models learn from your own losses how much weight each one deserves.
How it starts
A conversation about what you want to achieve, how we will measure it and the data you have.
A short study on your data, with a written result.
Delivery: we build the solution and help you run it, so it keeps delivering results.