The Challenge
Insurance carriers underwrite organizational resilience without access to independent, quantitative facility assessments. Self-reported data from policyholders creates adverse selection risk and mispriced premiums across entire portfolios.
Portfolio exposure to correlated catastrophe events — earthquake, flood, NATECH — is difficult to quantify without facility-level risk data. Concentration in high-hazard zones may not be visible until a major loss event occurs.
Solvency II and local regulatory frameworks require insurers to demonstrate quantitative understanding of catastrophe exposure. Qualitative assessments no longer satisfy regulatory expectations for operational risk capital modeling.
The Omniversel Approach
Independent resilience scores for insured facilities — providing carriers with objective, auditable risk data that does not rely on policyholder self-reporting. Scores cover earthquake, flood, NATECH, fire and operational hazard dimensions.
Aggregate risk scoring across insured portfolios — identifying geographic and sectoral concentrations before they become catastrophe losses. Correlation between facilities in the same hazard zone quantified explicitly.
Risk assessment reports structured for underwriting use — providing the data inputs needed for accurate premium calculation, policy condition setting and reinsurance treaty design.
Pre-loss baseline assessments provide an independent reference point for claims validation — reducing moral hazard and supporting faster, more defensible claims settlement.
Earthquake, flood and NATECH scenarios modeled at facility level — producing the granular exposure data that portfolio-level CAT models require.
Assessment outputs structured to support Solvency II operational risk capital requirements and local regulatory reporting obligations.
Use Cases
Independent facility risk assessments for commercial property, business interruption and liability underwriting — reducing information asymmetry between carrier and policyholder.
Systematic risk scoring across existing portfolios — identifying concentration risk, mispriced accounts and reinsurance optimization opportunities before renewal.
Facility-level risk data supporting the design of parametric insurance products — enabling faster claims settlement and more accurate trigger calibration.
Our advisory team works with insurance carriers and reinsurers to deliver independent, quantitative facility risk data at portfolio scale.