In today’s volatile risk environment, property underwriters require precise, address-level insights for the properties they assess.
Moody’s property underwriting solutions — powered by advanced analytics, AI, and a unified platform — help underwriters streamline workflows; reduce manual effort; and make faster, more confident decisions.
With Moody’s, underwriters can seamlessly assess the full spectrum of property risk across property characteristics and condition, peril-aligned risk scores and hazards, and forward-looking loss costs in a single platform.
By using industry-leading science, data, and AI technology, we enhance underwriting decision-making across personal and commercial property. Our solutions help underwriters make decisions with speed and confidence, modernize traditional workflows, and unify risk analytics.
Moody’s delivers high-fidelity property characteristics and condition insights — including roof condition, roof age, and building features — needed for automated and precise quoting, underwriting, and renewals . In addition, underwriters have access to science-backed risk, hazard, and vulnerability scores across primary and secondary perils for every property. Forward-looking, peril-aligned loss costs complete the financial risk picture, providing underwriters with a complete view of property risk at the point of quote and prior to every renewal.
Moody’s provides construction, occupancy, protection, and exposure insights; peril-aligned hazard and risk scores; and loss costs for small commercial, habitational, mid‑market, and large commercial underwriting. These insights show how each building or multi-structure property is likely to respond to key perils, while construction and liability-related attributes highlight risks not visible from hazard alone. These insights are available via API, batch, or web application to support any commercial underwriting workflow.
Moody’s helps underwriters confidently write more complex lines of business with industry-leading models, high-quality exposure data, and global hazard layers in an intuitive cloud-native application. This includes industrial and energy facilities, renewables, marine cargo, and portfolios with multiple locations.
More than 100 property characteristics, including roof condition, roof age, roof material, vegetation, debris, pools, solar panels, interior living area, and quality insights. Available for 98% of US properties as well as across Canada, Australia, and New Zealand.
Hiscox, an international insurer, shifts its US managing general agent (MGA) business from traditional methods to an e-trading model using Moody's Location Intelligence API for faster, analytics-driven underwriting. This transition allows for real-time quotes, uniform risk evaluation, and enterprise-grade technology that can lead to improved underwriting performance, growth, and efficiency gains. The company now issues over 30,000 quotes weekly and aims to double this in 2022 while enhancing the customer experience and MGA relationships.
Tokio Marine America partnered with Moody's to enhance the quality of its exposure data, which is crucial for accurate risk assessment and underwriting. This collaboration improved data accuracy, leading to better risk modeling, reduced losses, and more informed underwriting decisions.
Covenant Underwriters, a program administrator specializing in commercial package policies for small hotels, faced challenges in accurately pricing risks across diverse geographies. By integrating Moody’s Location Intelligence API, Covenant improved real-time, location-specific risk assessments, leading to more accurate pricing, significant business growth, and increased confidence among its broker partners and capacity providers.
Discover the value of the data that underpins Location Intelligence API with the Moody’s US Property Insights Map. Our interactive map showcases the depth and breadth of Moody’s underwriting insights, including property risk scores, exposure and hazard data, and loss costs analytics.
Navigate the complexities of underwriting residential and small commercial properties with Moody’s Loss Cost data, a key feature of Location Intelligence API.
UnderwriteIQ can help improve underwriting decision-making for cat-exposed business with an easy-to-use and highly configurable SaaS application.
TreatyIQ provides underwriters with flexible program structuring and analytics along with up-to-date portfolio monitoring for improved risk structuring and selection.
Interested in learning more about our offerings? Our solutions specialists are ready to help.
