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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 RMS into your risk management processes.

Integrate Insightful Data Easily

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

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

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


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


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 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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Jordan Byk, Senior Director of Product Management, discusses the importance of high-quality data.

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Chris Sams, Senior Product Manager, discusses the importance of purpose-built geocoding data.

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Oliver Smith, Senior Product Manager, discusses the importance of quality data at speed.

RMS Data Solutions
Press Release
New RMS Data Solutions Deliver Real-Time, Site-Specific Insights To Enable Competitive Risk Selection And Profitable Underwriting

NEWARK, CA – June 28, 2019 – RMS®, a leading global risk modeling and analytics firm, announced the availability of two transformative data solutions hosted on RMS Risk Intelligence (RI), its strategic risk platform. Expanding on its suite of strategic risk products, these solutions employ sophisticated RMS models and rich data layers built into the RMS platform. With growing pressure to make critical underwriting decisions quickly, speed and precision is…

RMS Data for Underwriting

Carriers want to write better risks, reduce underwriting frictional expense, and build consistency within their portfolios. RMS® Data for Underwriting is  a rapidly expanding suite of data delivered instantly at the point of underwriting.

Location Intelligence API

To survive in today’s competitive market, unyielding underwriting discipline is vital. Improper pricing assumptions, inappropriate declinations, and misalignment between underwriting and portfolio management can instantly erode underwriting margins. Underwriting discipline requires data-driven decisions that utilize the market’s most accurate risk indicators – provided by the RMS® Location Intelligence API.

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