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The Right Insights Have More Impact

Underwriting cat-exposed property requires instinct and deep insights into hazard and vulnerability, and how they manifest in catastrophe risk models. To manage this risk, insurers don’t need more data sources, they need better tools and more insight. Location Intelligence API brings hazard, exposure, geospatial, and loss data from the science and expertise of Moody's RMS into your risk management processes.

Integrate Insightful Data Easily

Moody's RMS Location Intelligence APIs are specifically designed for easy integration into your existing underwriting workflow and can help you make better, faster, and more profitable decline/refer/quote decisions.

Enable Consistent Risk Decisions

Ensure consistent decision data and a common set of analytics is used across your organization and the risk transfer process – underwriting, modeling, capital management, and regulatory reporting.

Leverage Best-in-Class Data

Moody's RMS Location Intelligence API data is specifically derived from our best-in-class models to ensure the highest data quality and granularity can be applied in your underwriting processes, enabling you to outperform your competition.

Business Value

The Location Intelligence API delivers key data and insights to help you improve business decisions and better manage risk.

Accurate Pricing

Avoid adverse selection and improve underwriting profitability.

Unified View

Use the same data sources from underwriting to portfolio management, enabling optimal portfolio construction. 

Smart Prioritization

Weed out bad risks early to optimize agent workflow and maximize submission flow.

Streamlined Processes

Enable straight-through processing and speed up your quoting process.

Data Breadth and Depth

Key Features of Location Intelligence API

Moody's RMS offers full global coverage of natural hazard data, delivered instantly, with a simple API call.

Geocoding

Improve accuracy of your location data with powerful geocoding designed to support underwriting, capital management, and reinsurance purchasing. 

geocoding

Exposure Data

Access robust exposure data with better risk differentiation, lower uncertainty in model results, and more granular pricing.

exposure data

Hazard Data

Gain deep hazard insights that drive better underwriting results.

hazard data

Risk Scores

Simplify evaluation with the Moody's RMS RiskScore, a single number representing the results of a complex big data catastrophe simulation. 

risk score

Loss Costs

Uncover loss cost (“pure premium”) to identify the true cost of insuring a risk and determining final price paid by the insured.

loss cost

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