Underwriting

Moody’s underwriting expertise is rooted in industry leadership that combines one of the world’s most comprehensive databases on companies with our award-winning catastrophe models.

Our solutions leverage more than 30 years of modeling expertise validated with real-world loss, comprehensive public and private entity data, and cloud-native technology so you can price risk with confidence.

Our workflow-specific applications enable underwriters to evaluate substantially more submissions across multiple risk categories so you can optimize your portfolio within the context of your entire business.

How can we help?

We provide industry-leading geolocation, hazard, and exposure data in addition to extensive information on public and private entities. Our collaborative applications seamlessly deliver your own view of risk into your existing workflows so you can make optimal decisions across business functions.

01
Streamline workflows

Evaluate submissions more efficiently by embedding data, analytics, and insights into your existing workflows so your team can focus more on underwriting and less on manual tasks.

02
Identify interconnected risks

Gain insight into financial, climate, cyber, and catastrophe risks to establish a holistic view so you can optimize your portfolio, achieve growth targets, and maintain capital requirements.

03
Accelerate growth

Evaluate dramatically more opportunities with cloud-native platforms that perform at scale so you can confidently select risks from a much larger pool to optimize your portfolio and meet your business objectives.

Get in touch

Speak to our team today

Get in touch

Case studies

case study
Improved underwriting performance with location intelligence
case study
A data-driven, insight-led approach to pricing and underwriting
case study
Taking response times to a new level


Solutions

01 Climate risk

Climate risk

Moody’s climate-conditioned catastrophe models, global climate risk quantification, and climate scenario generators provide near- and long-term risk outlooks for climate change risk for both underwriting exposure and assets under management. 

Our comprehensive models and scenarios enable insurers to improve risk selection, incorporate new insights into their views of risk, and optimize both assets and liabilities. 

Insurers use our models to understand, evaluate, and manage climate change risk in multiple regions. We model potential disruptive events, calculate the probability of occurrence, and assess the associated losses.

02 Sustainability

Sustainability

Moody's advanced insurance solutions include Environmental, Social, and Governance (ESG) factors to provide a comprehensive perspective of pivotal risks and ESG underwriting and portfolio analysis based on the Partnership for Carbon Accounting (PCAF) standards. 

We assess ESG risks and carbon emissions by combining public and private company data, indicators, and scores using a specialized framework and cloud-native technology. 

Our solutions enable portfolio managers, underwriters, and sustainability officers to overcome the practical challenges of incorporating ESG underwriting and sustainability assessment and enable compliance with reporting standards. 

Insurers use our platform to integrate their own view of ESG risk into their workflows and processes and to stay ahead in an evolving market.

03 Company reference data

Company reference data

Moody's market-leading data solutions help insurers, reinsurers, and brokers to gain a differentiated, real-time understanding of exposure risks and extensive public and private entity business risks to reduce frictional expense and build consistency across their businesses.

With our data solutions, we can:

  • Provide global entity coverage of more than 450 million public, private, and government entities and firmographic data for 65+ million business locations

  • Deliver catastrophe information for every major peril and geography, with minimal technical overhead or latency

  • Apply the same insights to analytics across underwriting, capital management, and reinsurance for consistency without the latency required by manual processes

  • Integrate seamlessly into existing processes, providing insurers with extensive data coverage and powerful analytics
     

  • Inform third-party relationships and economic trends

04 Compliance

Compliance

Moody’s client due diligence and business intelligence capabilities provide a full view of risk exposure in your portfolio throughout the customer lifecycle.  

Our data and insights on individuals and companies across the globe include sanctioned entities, PEPs (Politically Exposed Persons), watchlists, corporate structures, and beneficial ownership. You can integrate this risk information with your own customer and prospect data to improve onboarding and screening efficiency, safeguard your organization’s reputation, and streamline your anti-money laundering and client due diligence processes. 

05 Casualty and financial lines underwriting

Casualty and financial lines underwriting

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.

Climate risk

Moody’s climate-conditioned catastrophe models, global climate risk quantification, and climate scenario generators provide near- and long-term risk outlooks for climate change risk for both underwriting exposure and assets under management. 

Our comprehensive models and scenarios enable insurers to improve risk selection, incorporate new insights into their views of risk, and optimize both assets and liabilities. 

Insurers use our models to understand, evaluate, and manage climate change risk in multiple regions. We model potential disruptive events, calculate the probability of occurrence, and assess the associated losses.

Sustainability

Moody's advanced insurance solutions include Environmental, Social, and Governance (ESG) factors to provide a comprehensive perspective of pivotal risks and ESG underwriting and portfolio analysis based on the Partnership for Carbon Accounting (PCAF) standards. 

We assess ESG risks and carbon emissions by combining public and private company data, indicators, and scores using a specialized framework and cloud-native technology. 

Our solutions enable portfolio managers, underwriters, and sustainability officers to overcome the practical challenges of incorporating ESG underwriting and sustainability assessment and enable compliance with reporting standards. 

Insurers use our platform to integrate their own view of ESG risk into their workflows and processes and to stay ahead in an evolving market.

Company reference data

Moody's market-leading data solutions help insurers, reinsurers, and brokers to gain a differentiated, real-time understanding of exposure risks and extensive public and private entity business risks to reduce frictional expense and build consistency across their businesses.

With our data solutions, we can:

  • Provide global entity coverage of more than 450 million public, private, and government entities and firmographic data for 65+ million business locations

  • Deliver catastrophe information for every major peril and geography, with minimal technical overhead or latency

  • Apply the same insights to analytics across underwriting, capital management, and reinsurance for consistency without the latency required by manual processes

  • Integrate seamlessly into existing processes, providing insurers with extensive data coverage and powerful analytics
     

  • Inform third-party relationships and economic trends

Compliance

Moody’s client due diligence and business intelligence capabilities provide a full view of risk exposure in your portfolio throughout the customer lifecycle.  

Our data and insights on individuals and companies across the globe include sanctioned entities, PEPs (Politically Exposed Persons), watchlists, corporate structures, and beneficial ownership. You can integrate this risk information with your own customer and prospect data to improve onboarding and screening efficiency, safeguard your organization’s reputation, and streamline your anti-money laundering and client due diligence processes. 

Casualty and financial lines underwriting

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.


News and views

podcast
Banks and insurers in Europe and Asia-Pacific face rising commercial real estate risks

We discuss European banks’ ability to withstand a severe commercial real estate downturn, and how current property market weakness in APAC and China affects banks and insurers.  

  • Insurance
podcast
Moody’s insurance conferences throw spotlight on interest rates, inflation

Cyber and climate risk are also high on the agenda at Moody’s summer 2024 insurance conferences in New York and London.

  • Insurance
article
Important things you need to know about ESG insurance underwriting

Moody’s ESG Insurance Underwriting Solution helps P&C insurers operationalize environmental, social, and governance (ESG) risk assessment in their insurance underwriting workflows.

  • Insurance
  • Underwriting
article
Moody’s RMS launches cyber industry steering group to facilitate growth potential of the global cyber insurance market

Munich Re, Gallagher Re, and Bitsight Join as Founding Members of the Steering Group. With cyber underwriting offering huge growth potential, the group has been formed to tackle the current constraints to growth in the cyber insurance market.

  • Insurance
  • Underwriting
article
UnderwriteIQ: Improve underwriting profitability and achieve greater business alignment

Within their role as the economic engine for insurers, underwriters face an increasingly challenging market to navigate through. With escalating natural catastrophe losses, rising inflation, and increasing customer expectations to contend with, this has all placed additional pressure on the underwriting organization.

  • Insurance
  • Underwriting

GET IN TOUCH

Speak to our team

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