ExposureIQ makes organization-wide portfolio management possible by supporting roll ups across both insurance and reinsurance portfolios in one application, and the robust financial model means complex inwards and outwards reinsurance structures can be applied for a true net of reinsurance view right up to the group level. The in-app dashboard and map allows you to then quickly visualize and report on global exposure concentrations and hotspots.
ExposureIQ
Proactively manage organization-wide risk concentrations and hot spots, access real-time risk analytics and event forecasting for rapid event response, and generate advanced portfolio insights, at scale.
Streamlining exposure management: How business hierarchies in Moody’s ExposureIQ empower reinsurers to mitigate catastrophe losses and optimize portfolios
Streamlining exposure management: How business hierarchies in Moody’s ExposureIQ empower reinsurers to mitigate catastrophe losses and optimize portfolios
ESG Insights for the interconnected worls of risk
ESG Insights for the interconnected worls of risk
Operationalizing ESG analytics into insurance underwriting
How to operationalize sustainability commitments with Moody’s ExposureIQ
How to operationalize sustainability commitments with Moody’s ExposureIQ
The future of portfolio management
ExposureIQ™ is an exposure management application that makes organization-wide risk exposure management and event response faster and more accurate for better informed decision-making.
Maximize profitability
Advanced portfolio-level reporting helps you write business closer to your risk threshold.
Strengthen decision-making
Run accumulations across insurance and reinsurance portfolios to identify drivers of loss faster.
Respond faster to catastrophe events
Leverage real-time insights through integration with Moody's RMS Event Response and HWind.
Comprehensive exposure management
An Exposure Manager’s job isn’t done once they’ve balanced their portfolio. At any moment, a catastrophe event can strike, requiring them to support time-sensitive event response operations, like portfolio reporting, and deployment of claims adjusters. Let’s look at how ExposureIQ helps Exposure Managers succeed in the role today and in the future:
Leading up to an event
During an event
Following an event
Sustainable underwriting
Integrated with ExposureIQ, Moody's RMS HWind provides forecasting products up to 5-days before landfall including seven weighted track scenarios, wind and storm surge footprints, and wind probability analytics updated six times daily.
Every HWind forecast update is instantly made available in ExposureIQ, enabling you to overlay the data onto your portfolio to identify areas and locations most at risk, the associated potential losses and to better inform preparation strategies.
Moody's RMS Event Response footprints and six-hourly HWind snapshots and cumulative wind field footprints are instantly made available for portfolio analysis in ExposureIQ, without the need for manual uploads.
Quantify the potential hazard and loss impacts to your portfolio, produce frequent updates for key stakeholders and anticipate the volume of claims for effective deployment of claims adjusters.
Moody's RMS Global Event Response and HWind footprints are automatically uploaded to ExposureIQ as soon as they become available following an event.
Historical event footprints remain accessible to use on ExposureIQ to help you validate historical claims and loss experience for custom or internal views of risk or to improve event response processes for future events.
With growing societal, governmental, and consumer attention on environmental, social, and governance (ESG), the insurance industry is just beginning to understand how it effects everyday business operations.
ExposureIQ seamlessly incorporates ESG analytics into portfolio and exposure management workflows to improve their risk selection, enhance reporting capabilities, and increase differentiation with new and innovative product offerings.
Operationalize ESG analytics
As the leading provider of expertise, science, and technology in integrated risk for the insurance industry, Moody’s can help P&C insurers embed industry-leading ESG analytics into their business to help them grow while meeting sustainability commitments and establishing industry leadership. ESG analytics are integrated with ExposureIQ for advanced analysis of the impact of ESG factors on your underwriting and portfolio management decisions.
Get near real-time insights into your event response process faster
Before, during, and after a catastrophic event, senior managers, company boards, and regulators demand to be kept informed of the potential impact to the business. Exposure Managers are expected to deliver real-time insights on the areas most severely impacted, to understand the potential portfolio losses and to provide guidance on where to deploy claims adjusters and the anticipated volume of claims.
However, the insights needed to make these decisions can be challenging and time-consuming to process with critical event information and data pouring in from multiple sources.
HWind
Industry-leading Moody's RMS HWind and Event Response services are fully integrated with ExposureIQ ensuring customers gain access to around-the-clock insights before, during, and after an event. HWind forecasts, snapshots, and Event Response footprints are uploaded to ExposureIQ the moment they become available, removing the time-consuming manual processes required for other solutions.
Enhanced Risk Data (future availability)
As a leading provider of probabilistic modelling solutions for the insurance industry, Moody’s is uniquely positioned to provide robust and comprehensive data and analytics that facilitate deeper exposure management insights. The Enhanced Risk Data within Exposure IQ will provide users with a means to add an additional dimension and combine the understanding of geographic exposure concentrations with rich scientific hazard data and risk scoring metrics that help to enable exposure managers to understand the materiality of those concentrations against all major catastrophe perils.
Exposure management application: Buyer’s guide
With so many exposure management tools on the market, it can be challenging to decide which solution best fits your needs. The Moody's Exposure Management Application buyer’s guide can help you ask the right questions so that you can start producing greater insights, discovering new growth opportunities, and minimizing surprises.
Customer success stories
Canopius to adopt our ESG insurance underwriting solution
Partnering with Moody’s allows us to leverage their market leading ESG scoring coverage for our insureds, which is a key step in enabling us to incorporate ESG factors into our underwriting framework...
Paul Wilkinson
Head of Risk Strategy & Analytics
When the minutes matter most
A specialist Lloyd's Syndicate used Moody's ExposureIQ to reduce its terrorism analytics lifecycle from three days to just three hours while improving exposure management capabilities and ramping up event response.
Understand how ExposureIQ can facilitate faster, more informed and profitable risk decisions.
Top-10 Global reinsurer achieves single-source consistent data
A global reinsurance company operating a proprietary model framework wanted to optimize its data environment. Moody's collaborated with the reinsurer to create a fully harmonized data environment that is built upon a single view of risk and enabling on-demand data analysis.
Frequently asked questions
What are some of the benefits of a cloud-native architecture for exposure management?
As a cloud-native exposure management application, ExposureIQ has the power and performance to run accumulations on billions of locations and thousands of cedants, empowering you to quickly generate organization-wide views of exposure.
How does ExposureIQ work alongside other applications on the Intelligent Risk Platform?
The open and modular Intelligent Risk Platform delivers unified risk analytics through a trusted data repository, collaborative applications, open APIs, and tools to leverage existing RiskLink integrations.
Intelligent Risk Platform
Supporting consistent and trusted data, a unified view of risk, and collaborative applications.
Risk Modeler
Unifies all your risk modeling needs for greater workload and cost efficiency.
TreatyIQ
Delivers advanced risk, profit, and marginal impact insights directly to underwriters for customizable pricing.
Resources
Blog
link
Exposure Management: Managing the Complexity of Estimating...
When a catastrophic event such as a hurricane or an earthquake strikes, an insurance business relies on the exposure management team to answer the big questions: What level of loss is the business looking at, how much will be recovered from our reinsurance, and how do we communicate this? In a recent blog for insurers, I looked at the importance of real-time event response and exposure management; in this blog, I will focus on reinsurance and the need to generate net loss figures. For most reinsurers, answeri...
Blog
link
Hurricane Ian: The Challenge of Getting Insights into Your...
As soon as Tropical Storm Ian was named on September 26, 2022, our clients using the RMS® ExposureIQ™ application on the RMS Intelligent Risk Platform, have been accessing both our RMS Event Response event footprints and our RMS HWind real-time insights to provide a unique perspective on the progress of the storm. The ninth named tropical storm of the current North Atlantic hurricane season, Major Hurricane Ian made landfall as a Category 4 (Saffir-Simpson Hurricane Windscale) major hurricane near Cayo Costa,...
Blog
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Five Challenges Insurers Face to Get an Enterprise-Level V...
For (re)insurers, getting an enterprise-level view of their exposure is essential. It sheds light across the entire book of business – identifying concentrations of risks, portfolio blind spots, and how losses flow through insurance and reinsurance portfolios – especially when an event strikes. With the time, effort, and resources required to produce an enterprise-level view of exposure, the overall result may be inaccurate, not reflect the entire business, or just be out of date. So, what are the five main c...
Blog
link
Exposure Management: Managing the Complexity of Estimating...
When a catastrophic event such as a hurricane or an earthquake strikes, an insurance business relies on the exposure management team to answer the big questions: What level of loss is the business looking at, how much will be recovered from our reinsurance, and how do we communicate this? In a recent blog for insurers, I looked at the importance of real-time event response and exposure management; in this blog, I will focus on reinsurance and the need to generate net loss figures. For most reinsurers, answeri...
Blog
link
Impact of Complex Workflows on Real-Time Event Response (a...
When a potential catastrophic event threatens, exposure managers are on the front line to keep the business informed about potential losses and to identify the impact on insureds and cedants. All eyes are on exposure managers when the business needs regular, near real-time updates on potential losses. Catastrophe risks, such as hurricanes, can be particularly unpredictable, which makes frequent and informed updates mission critical to the business. Just look at Hurricane Irma in 2017. The initial track saw I...
Exposure Magazine
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RMS HWind Hurricane Forecasting and Response and ExposureI...
Accessing data in real-time to assess and manage an insurance carrier’s potential liabilities from a loss event remains the holy grail for exposure management teams and is high on a business’ overall wish list A 2021 PwC Pulse Survey of U.S. risk management leaders found that risk executives are increasingly taking advantage of “tech solutions for real-time and automated processes, including dynamic risk monitoring (30 percent), new risk management tech solutions (25 percent), data analytics (24 percent) [and...
Video
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Moody's RMS ExposureIQ Explainer Video
Analyze risk concentrations across the entire organization for a comprehensive unified view of risk
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