David Cummings

David Cummings

David Cummings is senior vice president – Personal Lines and Analytics for ISO Insurance Programs and Analytic Services. He is responsible for ISO’s personal lines insurance programs and leads ISO’s initiatives to enhance its offerings through analytics and predictive modeling across all lines of insurance.


    Posts by David Cummings

    Obtaining External Data a Top Priority for U.K. Insurers

    In our data-driven world, it should come as no surprise that insurers are looking to emerging sources of data — such as social media postings, shopping behavior, and building permits — to improve their predictive modeling.  But what you might find intriguing is how important obtaining that external data is to insurers. According to a […]

    A Closer View of Homeowners Risks

    Four years ago, ISO introduced its first by-peril ratemaking products to the U.S. homeowners insurance market. The goal was to provide insurers with an improved method for developing rating structures that more closely reflect actual risk. Today, 82 percent of larger insurers who participated in a recent survey we conducted with Earnix are using by-peril […]

    I hope you will join us at the Client Summit

    The 2014 Verisk Insurance Solutions Client Summit is jam-packed with a variety of strategy and operational sessions. I’m excited about my presentation, Homeowners Competitive Strategies: Leap Ahead with New Analytics for Pricing and Underwriting. You’ll learn how you can make better and faster underwriting decisions while reducing expenses using data, analytics, and new technologies. Bob […]

    The Sauce of Success

    Companies must develop the drive to evolve and the passion to survive and thrive in the current business environment. Today’s economy will not tolerate a static strategy. Only those companies that embrace improvement should survive.  I am not alone in this point of view. “Even though the economic recovery is slow and sporadic, property and […]

    Adopting Advanced Analytics: Consider the True Business Implications

    Property/casualty insurers have long been engaged in a fierce battle for market share across all lines of insurance — from personal and commercial auto and property policies to workers’ compensation and general liability, to name a few. The evolution of technology, especially in the area of predictive analytics, has only heightened the battle for a […]