Stochastic Modelling

Full Scale Exposure Based Models & Integrations

We provide the means essential

to perform meaningful risk analysis

• We believe that for insurers, understanding and quantifying the aggregations of risks, in real time, is of paramount importance as part of portfolio construction and individual risk assessment.
  
  

  In our view:

  1. Modelling risk on an exposure basis is critical

  2. Understanding the full loss distribution of the risk being analyzed is essential

• We develop and provide scientific modelling and software solutions that allow insurance carriers to apply multi-dimensional models taking into account relevant exposure characteristics of risk being analyzed, to produce prices far more precise than those yielded by traditional rating techniques
• Our products focus on two dimensions – stand alone full scale stochastic catastrophe models & integrations for third party models. All stand alone models and integrations allow the models to be run and ultra-precise pricing to be completed in seconds
• Our philosophy of understanding the full set of perils that can impact a risk led to the development and application of the first full scale stochastic wildfire model with 10,000 year event catalog in Canada

Risk Management Systems

Enabling fully automated underwriting

• Actively engaged with the distribution channels to understand challenges of the insurance market and provide solutions to improve the ease of doing business
• Our systems leverage super computing capabilities to deploy highly efficient, parallelized software solutions that can integrate into third party platforms with ease
• Our systems can simulate arrays of risk analyses, select and account for high-stress scenarios, and produce risk weighted results that emphasize conservative risk acceptance
• We encourage the use of backends that are flexible and can accommodate a wide array of risk data, while being easily able to incorporate and analyze additional data points as the business grows and needs develop
• Our system designs encourage flexibility, allowing for user interfaces that are highly customizable and easily integrated with third parties, while maintaining extremely strong control over user access

Machine Learning Toolkit

Uncover unseen interactions

• We provide a deep and extensive machine learning toolkit to appropriately assess risk across numerous exposure characteristics
• Our methodology captures all inter-relationships, high order factors and volatilities / dispersions
• Our analysis is founded on risk attributes including who you are, what you are, and where you are, which are the key overarching exposure characteristics that must be analyzed
• Our approach is variable and dynamic to ensure credibility of results
• We encourage & provide solutions to enable the visualization of data in different forms & dimensions to generate insights and understanding