Insurance Underwriting and Risk Assessment

Interpret catastrophe model outputs, analyze PML estimates, evaluate portfolio aggregation risk, and translate CAT model results into underwriting and reinsurance strategy decisions.

Analyze commercial property risks, assess replacement cost valuations, evaluate occupancy and construction class, and support underwriting decisions for commercial real estate portfolios.

Evaluate cyber insurance submissions by assessing IT security controls, ransomware exposure, data breach liability, and systemic risk factors to support cyber underwriting decisions.

Underwrite D&O liability insurance by analyzing corporate governance, financial statements, securities litigation exposure, and management liability risk for public, private, and nonprofit entities.

Review group and individual health insurance underwriting submissions — evaluating census data, claims experience, industry morbidity, and benefit plan design for risk selection and rating.

Classify life insurance applicant risk using medical history, lifestyle factors, build tables, and mortality data to support underwriting decisions and risk-class assignments.

Evaluate marine cargo insurance submissions by assessing commodity risk, trade routes, packing standards, survey requirements, and Institute Cargo Clause applicability for global shipments.

Evaluate professional liability and E&O insurance submissions across legal, medical, financial, and technology professions — assessing claims history, service scope, and malpractice exposure.

Analyze reinsurance treaty submissions — evaluating ceding company portfolios, loss ratios, premium trends, and treaty structure terms for proportional and non-proportional reinsurance decisions.

Analyze workers' compensation risk by evaluating job classifications, payroll exposure, experience modification factors, loss runs, and safety program quality for underwriting decisions.