Location Intelligence API delivers high-resolution, robust, and comprehensive data that can be directly integrated into existing systems. It harnesses terabytes of catastrophe simulation data to provide unmatched insights of individual properties in real time, so underwriters can make better and more informed risk decisions with location-specific attributes delivered in sub-second latency.
Underwriting
Master end-to-end underwriting workflows with unified analytics, shared modeling science, connected and collaborative technology, and enriched data across lines of business.
U.S. property insights map
U.S. property insights map
Unlock the value of the data that underpins LI API with the U.S. Property Insights Map.
eBook: An Insurance Underwriters' Guide
eBook: An Insurance Underwriters' Guide
Identify, connect, and surface the right data to quickly inform the best decisions with Location Intelligence.
Unified underwriting solutions for P&C insurers
Moody’s underwriting solutions deliver consistent and trusted data across lines of business to support decision-making from pre-bind quoting to portfolio steering. Built on cloud-native technology, each product delivers fast and power analytics that easily embed in new or existing workflows.
Large commercial and account underwriting
Treaty underwriting
Sustainable underwriting
Casualty and financial lines underwriting
The UnderwriteIQ™ application empowers underwriters with robust Moody’s RMS hazard data and peril models for the analytics needed to enhance the speed and quality of underwriting decisions. This easy-to-use and highly configurable cloud-native application improves underwriting decision-making for cat-exposed business and complex risks.
The TreatyIQ™ application provides advanced treaty analytics and portfolio roll-up, unifying treaty underwriting and portfolio management within a single intuitive application. Model-agnostic insights on risk levels, profitability, marginal impact, and portfolio risk drivers deliver superior pricing, participation, and risk transfer decisions for property treaty reinsurers and brokers.
Our sustainable underwriting solution seamlessly embeds advanced environmental, social, and governance (ESG) factors into pre-bind and post-bind workflows. It unlocks new opportunities to engage with your insured clients, differentiate your product offerings, and proactively mitigate reputational risk. Available in the award-winning ExposureIQ™ application for exposure management, our sustainable underwriting analytics use the same exposure data and financial engine as the UnderwriteIQ application, TreatyIQ application, Risk Modeler™ software, and Location Intelligence API, so all your workflows are connected under a unified view of risk.
Moody's provides advanced solutions for casualty and financial lines underwriting, integrating name matching and data enrichment to streamline workflows, reduce manual tasks, and enhance risk assessment with comprehensive firmographic, ownership, financial, and cyber risk data, supported by powerful analytics and extensive global coverage.
Customer success stories
From the modeling of the individual risks to the portfolio rollup and reporting requirements, there is so much more confidence due to the enhanced, more complete data sets we’re working with.
Alex Ficuciello
Senior Catastrophe Risk Analyst
Tokio Marine America
Refining risk assessment with Moody’s Loss Cost Data
Navigate the complexities of underwriting residential and small commercial properties with Moody's Loss Cost data, a key feature of Location Intelligence API. This video highlights how integrating detailed loss cost insights into the underwriting process enhances risk evaluation and pricing strategy, reinforcing data-driven decisions in an ever-competitive insurance environment.
Navigate risk: Moody’s U.S. property insights map
Discover the value of the data that underpins Location Intelligence API with the Moody’s U.S. Property Insights Map. Our interactive map showcases the depth and breadth of Moody’s underwriting insights, including property risk scores, exposure and hazard data, and loss costs analytics.
Discover how Moody’s data can help you understand the risks associated with any residential property in the continental U.S. Simply submit an address and we’ll email you a customized property risk assessment.
Third Party Modeling for Underwriting
We are committed to supporting our unified, collaborative platform that accelerates innovation and helps customers curate highly tailored views of risk. Third-party modeling on the Moody’s RMS Intelligent Risk Platform™ empowers underwriters to gain a deeper understanding of risk with access to more than 400 Moody’s RMS models, more than 300 models running on the Oasis Loss Modeling Framework, and your homegrown models. By using our underwriting applications, you can analyze, blend, and group results across multiple vendors to better price, select, and transfer interconnected risk across perils, geographies, and lines of business.
State of sustainable underwriting market
(Re)insurers are facing pressures from internal and external stakeholders to operationalize public ESG commitments by understanding the ESG scores of their insureds. For the second year, Moody’s Analytics and Moody’s Insurance Solutions team have conducted a comprehensive, independently run market survey to learn where the market is on its journey to implement ESG risk factors into portfolio management and underwriting workflows.
Resources
Blog
link
Speed and Confidence: Make Better Underwriting Decisions w...
Residential and small commercial market insurers are facing continued pricing and coverage challenges. First, consumer demand for properties located in traditionally higher-risk areas has continued to rise, and with a changing risk landscape, inflation, and other factors, losses in these locations have also increased significantly. Second, the rise of on-demand, Internet-driven services with easy-to-use comparison sites, instant access to media sources, and same-day goods delivery, has seen consumer expe...
Blog
link
UnderwriteIQ: Unleash the Power of Marginal Impact Analysi...
I am excited to share that integrated marginal impact analysis is now available within the Moody's RMS UnderwriteIQ™ application. Marginal impact analysis helps insurers to identify higher-risk policyholders who may require revised premiums or additional risk management measures. By incorporating marginal impact analysis assessment, underwriters can more effectively allocate resources, minimize potential losses, and optimize profitability of their underwriting portfolios. One method of conduct...
Blog
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Taking Stock After the Impact of 1/1 Renewals on Primary U...
Recent events have demonstrated that there has never been a more important time for insurers to reduce risk volatility and uncertainty in their risk decision-making processes. The market is still picking up the pieces after the 1/1 renewals, which were described by broker Howden as representing “... the biggest reinsurance capital squeeze since 2008,” and saw a capital erosion of US$66 billion and reinsurance rates accelerate by more than 45 percent. This has resulted in primary insurers paying much...
Blog
link
Five Challenges Impeding P&C Reinsurers from Making Inform...
For many property and casualty reinsurers, calculating treaty analytics can be a frustrating and time-consuming process, as antiquated tools and workflows put teams under significant pressure when attempting to deliver timely and accurate insights. And with an increased appetite for analytics together with a more condensed binding window, this year’s January 1 renewals exposed how inflexible some of those workflows can be. This inflexibility also resurfaces when analytics teams have to deal with the aftermat...
Related products
Related models
Earthquake
Get the most informed view of earthquake risk possible with comprehensive coverage of seismically active regions across five continents.
Cyber
Quantify both affirmative and silent cyber risk to take advantage of market opportunity with the Moody's RMS probabilistic cyber catastrophe risk model.
Flood
Access broad-scale, well-validated views of flood risk to gain necessary insights into the range of commercial opportunities associated with various flood markets.
Terrorism
Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models.
Japan Typhoon and Flood HD Model
Gain a greater understanding of typhoon and flood risk using Moody's RMS Japan Typhoon and Flood model.
Wildfire
Leverage unprecedented detail on loss outcome ranges for U.S. locations or portfolios to better manage and price wildfire risk.
North Atlantic Hurricane
Manage key drivers of tropical cyclone risk across 40 countries.
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