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Out-Pace &

OUTPERFORM

With faster cloud risk analytics

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London
Apollo Adopts RMS ExposureIQ

Apollo to strengthen exposure management practices and respond quicker to underwriter requests.

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Season of Flood
Season of Flood
Flood Risk Is Complex. Managing It Shouldn't Be.

Join us as we explore flood risk in iconic European cities and an examine global flood management challenges in the 21st century.

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wild fire
Actionable Climate Change Analytics

Five Steps to Streamline Climate-Related Physical Risk Disclosures

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Now Available: The 2021 Northern Hemisphere Tropical Cyclone Outlook
Now Available: The 2021 Northern Hemisphere Tropical Cyclone Outlook

An in-depth look at Atlantic and Western North Pacific Basin forecasts for 2021

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InsuranceERM Award
InsuranceERM Award Recognizes Importance of Effective Wildfire Modeling

The RMS North America Wildfire HD Model won the InsuranceERM 2021 Americas Award for Catastrophe Risk Modeling Solution of the Year.

Our Story

RMS, a Risk Management Company at the Forefront of Risk Intelligence

At RMS, Risk Management Solutions is our name and what we’ve been building over 30 years: industry-leading risk management solutions for insurers, reinsurers, financial services organizations, and the public sector.

Our unmatched science, technology, and 300+ catastrophe risk models help (re)insurers and other organizations evaluate and manage the risks of natural and man-made disasters.

We help our customers outperform and the world become more resilient by making every risk known.

Our Solutions

Explore how RMS can help you and your business through unique product and service offerings by industry, region, or business function.

industry
Industry

RMS provides a global view of risk for the insurance industry, financial services, public agencies, and global corporations.

regions
Region

RMS delivers comprehensive geographic catastrophe risk insights through our suite of models, Risk Intelligence applications, software, data solutions, and services.

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Function

RMS proprietary and tertiary data analytics support business functions keen on understanding the risks of natural and man-made catastrophes.

Insights and Agility: Risk Intelligence

RMS Risk Intelligence™ is the world’s first risk platform for industries affected by the uncertainty of natural and man-made catastrophes.

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Risk Modeler
Risk Modeler

Leverage structure-based modeling and analytical tools, including intelligent model processing and big data query capabilities. 

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TreatyIQ
TreatyIQ

Achieve your target portfolio by utilizing the advanced, customizable pricing and portfolio roll-up analytics direct to the property catastrophe underwriter.

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Risk Data Open Standard
Risk Data Open Standard

Drive value and innovation from this new open standard, a modern data schema for risk analytics.

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Location Intelligence API
Location Intelligence API

Gain better underwriting perspective with instant access to the world’s best catastrophe insights.

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ExposureIQ
ExposureIQ

Manage your entire book of business more efficiently and accurately than ever before with this purpose-built solution for analyzing exposure concentrations.

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SiteIQ
SiteIQ

Assess a location’s risk to multiple perils in seconds with this application grounded in third-party insights.

Our Services

From small to midsize and global corporations, RMS helps solve risk management challenges through our integrated consulting and solutions offering.

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Assess Risk and Strategy

Implement a Solution

Manage Your Business

Assess Risk and Strategy

Leverage RMS long-standing commitment to deliver market-leading climate risk analytics. We can help our clients to navigate the complex landscape of climate change risks. We can deliver objective, quantitative and actionable risk insights to help client solve climate-related challenges, including:

  • Investor and stakeholder communication
  • Regulatory reporting and requirements
  • Business strategy planning
  • Risk management and stress testing

Implement a Solution

Whether you are starting a risk modeling operation or have deep, well-established resources, our consultants advise and help implement best practices across your catastrophe management operations. Our aim is to help companies optimize their investment in RMS technology, accelerate "time to value," and minimize implementation risk.

We provide analysis and guidance on the best use of RMS data, models, and technology, including:

  • Workflow automation and system integration
  • Custom technology solutions for unique use cases
  • Software deployment and configuration 
  • Adoption assurance services to ease the transition to new software and workflows

Manage Your Business

Building an agile modeling and risk management operation is a necessity for any organization. From flexing your resources at peak demand periods, relieving your team of excessive workloads, to outsourcing your modeling, you can quickly expand your analytics capabilities with RMS Analytical Services.  

Our global team of over 350 analysts can work in tandem with your organization to save you time and resources, cover peaks and troughs in workload, meet regulatory filing pressures, accelerate model adoption, and explore new areas of risk. It’s a complete risk modeling operation whenever you need it to help with projects including, but not limited to:

  • Exposure data enrichment 
  • Account and cedant modeling
  • Portfolio modeling
  • Regulatory and management reporting
  • Bespoke analytics

Our Models and Risks

RMS has over 200 peril models in nearly 100 countries enabling insurers, reinsurers and other organizations to quantify the potential magnitude and probability of economic loss from catastrophe events.

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agriculture

Agriculture

Agriculture Models

Manage risk in growing and evolving agricultural markets in Asia-Pacific across all key coverages and schemes with the RMS India and China Agricultural Models.  

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Builders Risk

Builders Risk

Capture the changing value and vulnerability of the builders risk class of property insurance across different phases of construction projects.

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Climate Change

Climate Change Models

Improve your near and long-term climate change risk outlook with new catastrophe models.

cyber

Cyber

Cyber Models

Quantify both affirmative and silent cyber risk to take advantage of market opportunity with the RMS probabilistic cyber catastrophe risk model.

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Cyclone, Hurricane, and Typhoon

Cyclone, Hurricane, and Typhoon Models

Assess tropical cyclone risk to inform sound underwriting, portfolio management, and risk transfer decisions.  

earthquake

Earthquake

Earthquake Models

Get the most informed view of earthquake risk possible with comprehensive coverage of seismically active regions across five continents.

flood

Flood

Flood Models

Access broad-scale, well-validated views of flood risk to gain necessary insights into the range of commercial opportunities associated with various flood markets.

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Industrial Facilities

Industrial Facilities Model

Better understand the risk profile of industrial and energy facilities where a high percentage of value is associated with machinery, equipment, and stock rather than structures.

liferisks

LifeRisks

LifeRisks

Tap into life and health industry risk analytics that blend best-practice actuarial techniques with medical science.

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Marine Cargo and Specie

Marine Cargo and Specie

Estimate potential losses and risks using a vulnerability model custom-tailored to the uniqueness of the cargo and specie lines of business.

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Offshore Platform

Offshore Platform

Model hurricane damage to offshore platforms, rigs, wells, and pipelines throughout the Gulf of Mexico.

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Severe Convective Storm

Severe Convective Storm Models

Move to a complete view of severe convective storm risk and improve profit margins using models that help more accurately assess severe weather risk.

terrorism

Terrorism

Terrorism Models

Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models. 

wildfire

Wildfire

Wildfire Models

Leverage unprecedented detail on loss outcome ranges for U.S. locations or portfolios to better manage and price wildfire risk. 

windstorm

Windstorm

Windstorm Models

Gain insights across 15 European countries to understand the significant tail risk from a complex peril that drives solvency.

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Winterstorm

Winterstorm Models

Manage snow, ice, freeze, and winter wind risk with the RMS® North America Winterstorm Model and reduce your share of billions in annual industry losses.

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Workers' Compensation

Workers' Compensation Models

Enabling portfolio managers and underwriters to capture the correct exposure, manage, and transfer catastrophic workers’ compensation risk.

Industry Leadership

cyber consulting services

Quantifying Cyber Exposure Risk

“As pressure from regulators mounts and cyberattacks become more common, it is imperative to understand where silent cyber exposure can be found, and how much it could cost you.”

Rowenna McGill

Senior Analyst, RMS Consulting

Karen White

Resilience Through Risk Management

“Our mission is to create a more resilient and sustainable global society through a better understanding of catastrophic events. 

From earthquakes, hurricanes, and floods to terrorism and pandemics, we help financial institutions and public agencies understand, quantify, and manage risk.”

Karen White

Chief Executive Officer, RMS

Risk Data Open Standard

Industry Collaboration for a Better Risk Data Standard

“The Risk Data Open Standard (RDOS) has been constructed to hold the entire set of information that supports the analysis of any risk. This new open standard has the potential to fundamentally alter how the market interacts with exposure data.”

Ryan Ogaard

SVP, RMS Product Management

RMS Innovations

Market Leaders Recognize RMS Innovation

  • Risk Modeler of the Year Award, Reactions, 2018, 2019, 2020
  • Risk Modeler of the Year, Insurance Asia News Awards for Excellence, 2020
  • Insurance Innovation of the Year Award, 2019
  • Risk and Resilience Award (Partnership with Build Change – Colombia), British Insurance Award, 2019
  • Initiative of the Year (U.S. Inland Flood HD Model), Trading Risk Award, 2019

60 Trillion Data Points

in RMS Location Intelligence API

120 Countries

covered by RMS models and data products

18 Million Simulated Fires

in RMS Wildfire Model

Over 50% of RMS model developers are PhDs from the world’s top universities

Over 1,000

RMS models and data products

News and Insights

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Infectious Disease Modeling
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Infectious Disease Modeling

Examine the science behind pandemic risk assessment

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New Updates to Risk Modeler
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New Updates to Risk Modeler

HD Models for Japan, Europe and the U.S. Available on Risk Modeler

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Japan Flood and Typhoon Risk Models
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Japan Flood and Typhoon Risk Models

Differentiate between modeled flood losses for typhoon-driven inland flood, typhoon-driven coastal flood and non-typhoon flood loss.

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Total Insured Losses from Hurricane Isaias
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Total Insured Losses from Hurricane Isaias

For the U.S., this estimate includes wind, storm surge, and inland flood losses across parts of the Southeast, Mid-Atlantic, and Northeast regions.

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Karen White
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CEO Karen White Named One of Top CEOs for Women

RMS CEO Karen White was named in Comparably’s 25 Best CEOs of 2020, ranked by female employees for leadership, effectiveness, and inclusion.

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