Casualty insurance solutions

Casualty risk is evolving — shaped by emerging technologies, expanding litigation, and accelerating social, environmental, and financial pressures. Moody’s is an industry-leading partner in understanding, quantifying, and managing casualty risk and exposure. We provide science, modeling, data, analytics, and technology for insurers, reinsurers, and brokers to assess interconnected risks holistically, dynamically, and at scale.

Our solutions help insurance professionals build their own perspectives on risk, communicate confidently across stakeholders, and embed emerging risk insights into day-to-day decisions. With tools designed for underwriting, reserving, claims, and portfolio management, insurers can make faster, more informed decisions and report on risk and performance with clarity and confidence.

Welcome to Moody's comprehensive, forward-looking approach to liability risk.

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Who we help
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How can we help?

Moody’s casualty insurance solutions help insurers move from reactive to forward-looking casualty risk management by integrating insight directly into underwriting, reserving, claims, and portfolio workflows. We equip insurers with visibility into tomorrow’s risks, tools to quantify them today, and insights to act with precision across business functions while allowing for better communication of risk and performance to investors, regulators, and the public.

Identify emerging liability risks before they escalate

Continuously monitor scientific research, regulatory developments, and legal activity to detect over 300 emerging risks — helping underwriters and risk managers to recognize potential exposures before they surface in claims data or litigation.

Support exposure-based underwriting, pricing, and reserving

Move beyond traditional, backward-looking models with analytics that align risk signals to commercial activities and policy language, helping underwriters and actuaries adjust coverage, pricing, exclusions, and reserves with greater accuracy and consistency.

Access multidimensional, entity-level insight through comprehensive data

With firmographic, financial, regulatory, and reputational data on over 580 million global entities, our unified risk platform delivers a holistic view of insureds and prospects. Leverage real-time credit indicators (Moody’s EDF-X™), corporate hierarchies and linkages (Orbis), and automated risk alerts (KYC) to inform smarter underwriting and control legal, financial, and reputational risk.

Model long-tail liability and systemic exposure with confidence

Use probabilistic and scenario-based modeling to estimate how emerging liability events may unfold across policy years, insureds, and industry sectors; this assists with informing reserving, capital allocation, and reinsurance strategy. Although focused on latent, long-tail liability risks, our solutions can also support selected short-tail liability scenarios.

Track litigation trends and active legal threats in real time

Monitor US federal and state court filings to flag developing class actions and mass torts, helping claims and legal teams adjust exposure strategies, manage defenses, and recalibrate reserves proactively.

Speak to our team today

Interested in learning more about our offerings? Our solutions specialists are ready to help.

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Praedicat acquisition

Moody’s boosts investment in casualty risk assessment

Moody's has acquired Praedicat—a leader in liability modeling—marking a significant leap forward in casualty risk analytics.

The acquisition of Praedicat represents a transformative step in Moody’s strategy to deliver a more complete and forward-looking solution for casualty insurance.

By combining Praedicat’s pioneering expertise in emerging-risk analytics, science-based liability insights, and exposure modeling with Moody’s rich data assets and analytical infrastructure, we are creating an integrated approach to managing the growing complexity of casualty risk. This combination strengthens our ability to help insurers navigate today’s evolving liability landscape with deeper insight, greater precision, and a broader set of tools for underwriting, pricing, reserving, and portfolio management.

A message from Michael Steel and Colin Holmes

Press release

FAQs

Delivering solutions for the most pressing issues facing the industry

Social inflation, the rise of litigation finance, and the risk of physical and transition liability are creating significant dislocation in casualty insurance. Our modeling and risk assessment solutions offer insurers the potential for greater predictability and profitability.

Unprecedented precision in casualty risk assessment

By combining Praedicat’s liability modeling expertise with Moody’s extensive company data and comprehensive risk insights, we are enhancing our ability to provide robust science-based risk assessments. This integration will help customers gather superior insights and offer access to powerful predictive analytics tools.

A shared commitment to innovation

This acquisition highlights our dedication to innovation and excellence in supporting the casualty insurance industry. By leveraging the strengths of both Moody's and Praedicat, we aim to bring cutting edge technology, data, and analytics to deliver comprehensive risk solutions for the casualty industry.

Get more detailed information on casualty underwriting here.

Featured solutions

01 CoMeta®: emerging risk intelligence
02 Orbis: corporate intelligence at scale
03 EDF-X: forward-looking credit risk signals
04 KYC compliance and risk monitoring

01 CoMeta®: emerging risk intelligence

CoMeta®: emerging risk intelligence

Track over 300 emerging risks mapped to companies, industries, and policy portfolios, allowing for earlier underwriting adjustments, exposure monitoring, and reserving actions.

Help underwriters and risk managers proactively assess exposure before litigation materializes
Quantify latent exposure across insureds
Model liability events in real time

02 Orbis: corporate intelligence at scale

Orbis: corporate intelligence at scale

Gain global corporate intelligence to evaluate insureds’ structure, financials, and risk signals for exposure-based underwriting and portfolio management.

Uncover liability pathways through ownership links
Assess environmental, social, and governance (ESG); reputational; and compliance risk
Support exposure-based underwriting with actionable intelligence

Learn more

03 EDF-X: forward-looking credit risk signals

EDF-X: forward-looking credit risk signals

EDF-X links financial resilience to potential liability exposure, using alternative data and predictive analytics to flag deteriorating conditions before they impact claims.

Assess default risk across portfolios
Trigger early warnings to adjust exposure
Integrate systemic financial trends into risk strategy

See EDF-X in Action

04 KYC compliance and risk monitoring

KYC compliance and risk monitoring

Digitally onboarding and perpetually monitoring clients and counterparties for legal, regulatory, and reputational risks can support safer decision-making at every stage of the policy life cycle.

Provide a clear view on global sanctions, politically exposed persons (PEPs), and adverse media screening
Monitor corporate changes and shifts in ownership and control
Automate KYC compliance workflows to minimize friction

Strengthen compliance oversight

Why Moody's?

An integrated, multi-dimensional view of casualty risk available

We integrate scientific research, litigation insight, corporate intelligence, and financial modeling, providing actionable insight across underwriting, reserving, claims, and portfolio workflows.

Trusted by global leaders

Top casualty insurers, reinsurers, and brokers leverage Moody’s services to stay ahead of emerging liability risks and drive competitive advantage.

Built for underwriting, reserving, and portfolio strategy

Our solutions align with critical insurance workflows, supporting day-to-day decisions from evaluating a single risk to managing exposure across global portfolios.

Integrated into Moody’s Intelligent Risk Platform™

Connect casualty solutions with Moody’s broader ecosystem for seamless integration into underwriting, pricing, reserving, and capital workflows.

Moody’s by the numbers

Moody’s has the most powerful, comparable global reference data resource on private and listed entities for casualty and financial lines insurers.

528 million entities

466 million companies with Moody's probability of default scores

502 million people records

2500 enrichment attributes

141 million sole proprietorships

Data on board of directors for over 89 million entities

428 million private entities, including 48 million with detailed financials

325 million companies covered by firmographic cyber models

Over 9 million lawsuits avaliable in our repository

1 million daily news stories, combined with sentiment analysis

6.6 million companies with detailed technographic cyber models

162 million companies with operating revenues, employees, assets

More on private entities

Expanded visibility through private-entity data

A critical advantage of Moody’s comprehensive casualty solution is access to an extensive breadth of private-entity data. With detailed information on over 49 million private companies and governance insights covering more than 76 million boards of directors worldwide, Moody’s enhances insurers’ ability to assess liability exposures across both public and private sectors. This expanded visibility allows insurers to better understand and quantify emerging risks concentrated among privately held firms — entities that have traditionally been harder to evaluate.

By integrating private-entity data into our casualty solution, Moody’s helps insurers make more informed underwriting, pricing, reserving, and portfolio management decisions. Combined with Moody’s credit expertise and analytical infrastructure, this broader view supports insurers in navigating today’s complex liability environment with greater precision, confidence, and foresight.

Deeper insight into private company exposure: Moody’s data provides insurers with critical visibility into ownership structures, financial profiles, and governance relationships across millions of private entities, strengthening risk evaluation and underwriting decisions.
Improved identification of accumulation risk: Access to private-entity connections allows insurers to better map liability networks, identify potential accumulation hot spots, and manage portfolio-level exposures across both public and private firms.
Optimized underwriting precision and portfolio management: Integrating private-entity data into casualty analytics allows insurers to align underwriting, pricing, and reserving strategies to a more complete view of risk, supporting sustainable, profitable growth in an evolving liability landscape.

Who we help

01 Chief underwriting officers and underwriters
02 Chief risk officers and exposure managers
03 Actuaries and pricing teams
04 Claims and legal teams

01 Chief underwriting officers and underwriters

Chief underwriting officers and underwriters

Make faster, smarter decisions with company-level insight and emerging risk scores.
Refine coverage terms, exclusions, and pricing with exposure-based data.

02 Chief risk officers and exposure managers

Chief risk officers and exposure managers

Visualize aggregation hot spots across entities, regions, and perils.
Use deterministic and probabilistic modeling to inform portfolio strategy.

03 Actuaries and pricing teams

Actuaries & pricing teams

Build more resilient reserves using scientific and scenario-driven loss modeling.
Apply catastrophe loads for emerging liability with confidence.

04 Claims and legal teams

Claims & legal teams

Track class actions, mass torts, and securities litigation affecting insureds.
Support reserving and defense with real-time case intelligence.

FAQs

Traditional models rely on past claims data. Our solutions incorporate forward-looking scientific, legal, and financial insight to anticipate future risk — before it appears in loss experience.

Moody’s casualty solutions integrate emerging risk intelligence, corporate data, and litigation monitoring to help underwriters identify potential exposures earlier; quantify latent accumulation across insureds; and adjust pricing, exclusions, and terms proactively. This promotes more informed underwriting decisions and supports stronger portfolio risk management. Access more detailed information on casualty underwriting here.

Our tools are designed for seamless integration. Whether you prefer application programming interfaces (APIs), apps, or platform-based access, implementation is streamlined to support rapid onboarding so your teams can begin using our insights in underwriting, reserving, and portfolio management with minimal disruption.

News and views

Private entity underwriting for financial lines insurers

Financial lines private entity underwriting is challenging with limited public data. Learn how deep data, AI, and predictive analytics can improve efficiency, risk selection, and pricing. Enhance compliance processes and make decisions faster.

case study

Moody's

PFAS underwriting case study

Learn how Moody's customers are taking a more effective approach to managing "emerging litigation" events, like PFAS.

article

Moody's

Take action on emerging risks

Explore Moody’s Emerging Risk Framework, which is broken into three phases each with a set of recommendations to guide action across the timeline of risk emergence.

blog

Jan 31, 2025

Moody's

D&O series - Evolving risks in the boardroom: A new era of D&O liability - Part 1

The article discusses the critical link between corporate bankruptcy and D&O insurance claims, highlighting how economic downturns lead to increased bankruptcies and subsequent D&O litigation. It emphasizes the growing importance of predictive tools like Moody's EDF-X™ Early Warning System in assessing bankruptcy risk, particularly for SMEs.

blog

Jan 31, 2025

Moody's

D&O series - Evolving risks in the boardroom: A new era of D&O liability - Part 2

The article highlights the growing interconnection between cyber risk and D&O insurance in the digital age. It cites industry reports showing increased frequency and severity of cyber incidents, leading to D&O claims. Regulatory changes and shareholder actions further complicate the landscape.

blog

Jan 31, 2025

Moody's

D&O series - Evolving risks in the boardroom: A new era of D&O liability - Part 3

This article explores new sources of D&O risk such as greenwashing. We take a look at how greenwashing lawsuits are reshaping D&O insurance, with insights into emerging litigation risks and strategies for effective risk assessment.

article

Sep 03, 2024

Moody's

Master data management in insurance: A strategic imperative

Elevate insurance industry operations with strategic data management. Overcome data challenges for improved customer experiences, underwriting accuracy, and regulatory compliance. Harness the power of data for market differentiation.

article

Sep 03, 2024

Moody's

Innovation in trade credit insurance underwriting

Explore the future of trade credit underwriting with AI-driven insights, cybersecurity, and B2B data for a proactive, comprehensive risk management strategy.