Property underwriting

As natural catastrophes become increasingly severe and frequent, the ability to understand and quantify the potential impact of events is more important than ever.

Equipped with over 30 years of industry-leading catastrophe modeling expertise, Moody’s is committed to building solutions that form the foundations of your property underwriting function.

Our extensive exposure and hazard data, award-winning catastrophe models, cloud-native applications, and scalable APIs can support pre-bind and downstream workflows like exposure management, portfolio steering, and risk transfer.

Featured solutions
Case studies
News & views
Related products & services

Get in touch

How can we help?

By using industry-leading science, data, and technology, we enhance underwriting decision-making across multiple segments and lines of business. Our solutions help underwriters price risks with speed and confidence, modernize workflows, unify risk analytics, and overcome private-entity data gaps.

Price risks with speed and confidence

Our solutions are tailored to support multi-line property catastrophe underwriting businesses across a wide range of risks and coverage types and are built with industry-leading science, data, and technology to support underwriting decision-making.

Modernize underwriting workflows

Our solutions offer modern APIs to help firms build resilient, flexible, and efficient data pipelines connecting to underwriting workbenches. Curated, trusted, and fast analytics are critical to making informed pricing and premium decisions.

Unify the underwriting workflow across stakeholders

Our cloud-native platform establishes a common set of analytics between risk stakeholders. This unlocks business growth by helping underwriters with real-time portfolio analytics for pre-bind decision-making while catastrophe modelers and exposure managers optimize portfolio steering strategy based on a current view of the business.

Speak to our team today

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

Get in touch

Testimonial

The only time you can control that rate is when it’s being priced. Moody’s Location Intelligence has been able to assist in pricing adequately at the end of the quarter.

— Daniel Murray
Chief Underwriting Officer, Covenant Underwriters

Featured catastrophe risk underwriting solutions

01 Residential and small business underwriting
02 Large commercial and account underwriting
03 Treaty underwriting
04 Specialty and excess and surplus underwriting

01 Residential and small business underwriting

Residential and small business underwriting

Moody’s Location Intelligence API delivers high-resolution, extensive, 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. 

Large commercial and account underwriting

Moody’s UnderwriteIQ™ application provides underwriters with extensive Moody’s hazard data and Moody’s RMS™ models for the analytics required to enhance the speed and quality of underwriting decisions. This easy-to-use and highly configurable cloud-native application can improve underwriting decision-making for cat-exposed business and complex risks.

Treaty underwriting

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.

Specialty and excess and surplus underwriting

Moody’s customizes its catastrophe modeling solutions for different types of exposures to help underwriters write more complex lines of business with confidence. This includes industrial and energy facilities, renewables, marine cargo, and specie.

Capabilities

Global coverage

Our award-winning solutions comprise over 400 catastrophe models for catastrophic events including earthquakes, hurricanes, windstorms, flooding, wildfires, and physical and transition risk. Collectively, our models provide modeling coverage for 90% of global GDP and data for 100% of global GDP.

Learn more

Extensive underwriting datasets

Moody’s enriched datasets allow firms to enhance the quality of their underwriting insights with high-quality hazard and exposure data, improving the quality of risk assessment for underwriting.

Learn more

Powerful SaaS infrastructure

Moody’s underwriting solutions are built on cloud-native technology and unified analytics. This fully monitored environment maintains constant access to analytics and reduces operating expenses and IT maintenance costs. These solutions are built with highly scalable APIs that allow firms to build modern workflows to support advanced pricing tools.

Learn more

Case studies

View all case studies

case study

Moody's

Improved underwriting performance with Location Intelligence

Hiscox, an international insurer, shifts its US managing general agent (MGA) business from traditional methods to an e-trading model using Moody's Location Intelligence API for faster, analytics-driven underwriting. This transition allows for real-time quotes, consistent risk assessment, and scalable technology that can lead to improved underwriting performance, growth, and efficiency gains. The company now issues over 30,000 quotes weekly and aims to double this in 2022 while enhancing the customer experience and MGA relationships.

case study

Moody's

Data enhancement: making sure data quality meets exacting underwriting standards

Tokio Marine America partnered with Moody's to enhance the quality of its exposure data, which is crucial for accurate risk assessment and underwriting. This collaboration improved data accuracy, leading to better risk modeling, reduced losses, and more informed underwriting decisions.

case study

Moody's

Risk intelligence: Accelerating innovation for catastrophe risk assessment

Covenant Underwriters, a program administrator specializing in commercial package policies for small hotels, faced challenges in accurately pricing risks across diverse geographies. By integrating Moody’s Location Intelligence API, Covenant improved real-time, location-specific risk assessments, leading to more accurate pricing, significant business growth, and increased confidence among its broker partners and capacity providers.

article

Moody's

Navigate underwriting risk: Moody’s US property insights map 

Discover the value of the data that underpins Location Intelligence API with the Moody’s US 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.

article

Moody's

Introducing Location Intelligence API

Navigate the complexities of underwriting residential and small commercial properties with Moody’s Loss Cost data, a key feature of Location Intelligence API.

article

Moody's

Introducing UnderwriteIQ

UnderwriteIQ can help improve underwriting decision-making for cat-exposed business with an easy-to-use and highly configurable SaaS application.

article

Moody's

Introducing TreatyIQ

TreatyIQ provides underwriters with flexible program structuring and analytics along with up-to-date portfolio monitoring for improved risk structuring and selection.

Catastrophe modeling

As natural catastrophes continue to increase in intensity and frequency, the ability to understand and quantify the potential impact of events, including their tail risks and influence on earnings, is now more important than ever. Learn about the depth and breadth of Moody’s modeling portfolio, including 400 models in nearly 100 countries.