Exposure Accumulation

Identifying and managing accumulations, even down to a building level, across multiple lines has become a priority for the insurance industry since the terrorist attacks of September 2001, which demonstrated the industry’s vulnerability to concentrated losses in urban areas. In partnership with leading insurance organizations, RMS has developed an integrated capability to analyze and manage exposure accumulations with unprecedented precision. Such functionality has been extended outside of the U.S. and is now available on a global basis, allowing various levels of accumulations to satisfy a wide range of needs.

Model Highlights

	Geographic Scope: Global
	Lines of Business: Property (building, contents, business interruption) and workers comp
	Accumulation Levels: Building (U.S. only), user-defined radius, and geography (ZIP Code, City, Country, and others)

Exposure Data Resolution

Analyses can be done at each of the following levels of geographic resolution: Latitude/Longitude, Building (U.S. only), Street Address, or ZIP Code. Other comparable resolutions are available outside the U.S.

Platforms

RiskLink® and RiskBrowser® deliver accumulation management capabilities as part of an integrated risk management system that links portfolio management and underwriting

RiskLink® Accumulation Management Capabilities

	Identifies largest portfolio accumulations using automated 'Spider' analysis
	Provides geocoding and accumulation analysis, based on specific building or point/radius
	Calculates accumulations from multiple financial perspectives, including gross, net, and by reinsurer
	Includes integrated terrorism scenario analysis

RiskBrowser® Accumulation Management Capabilities

	Provides ability to define accumulation 'zones' by building or area
	Assesses incremental impact of new submissions
	Flags accounts that exceed accumulation thresholds
	Captures property and workers comp location detail, including fire and terrorism sublimits

Related Information