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Rating" class="sm" target="_self">Underwriting and Rating</a> <div class="mega-third-submenu"> <div class="third-submenu-content"> <div class="section links"> <ul> <li class="menu-item"> <span>Underwriting and Rating</span> </li> <li class="menu-item item-3-1 "> <a href="/en-gb/solutions/general-insurance/underwriting-rating/" class="sm">Overview of Underwriting and Rating</a> </li> <li class="menu-item item-3-2 "> <a href="/en-gb/solutions/general-insurance/underwriting-rating/commercial-insurance/" title="Commercial Insurance Solutions" class="sm" target="_self">Commercial Insurance Solutions</a> </li> <li class="menu-item item-3-3 "> <a href="/en-gb/solutions/general-insurance/underwriting-rating/home-insurance/" title="Home Insurance Solutions" class="sm" target="_self">Home Insurance Solutions</a> </li> <li class="menu-item item-3-4 "> <a href="/en-gb/solutions/general-insurance/underwriting-rating/motor-insurance/" title="Motor Insurance Solutions" class="sm" target="_self">Motor Insurance Solutions</a> </li> </ul> </div> <div class="section content-area content-3-1"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57087"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Underwriting and Rating Overview</strong></p> <p>Make informed product development and underwriting decisions to generate more revenue while minimising premium leakage and unnecessary expenses.</p> <p><a href="/en-gb/solutions/general-insurance/underwriting-rating/" title="Learn about our underwriting and rating solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-2 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57281"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Commercial Insurance Solutions Overview</strong></p> <p>Get underwriting insights into commercial buildings and their exposures as well as the firmographics and management performance of the businesses you insure.</p> <p><a href="/en-gb/solutions/general-insurance/underwriting-rating/commercial-insurance/" title="Learn about our general underwriting and rating commercial insurance solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-3 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57288"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Home Insurance Solutions Overview</strong></p> <p>See in-depth the risks associated with any residential building along with previous claims information and relevant perils exposure at a postcode or address level.</p> <p><a href="/en-gb/solutions/general-insurance/underwriting-rating/home-insurance/" title="Learn about our general underwriting and rating home insurance solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-4 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57287"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Motor Insurance Solutions Overview</strong></p> <p>Fine-tune your motor underwriting with key vehicle and driver information, safety features, current usage and car history, customer data, claims history, and more.</p> <p><a href="/en-gb/solutions/general-insurance/underwriting-rating/motor-insurance/" title="Learn about our general underwriting and rating motor insurance solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> </li> <li class="menu-item item-2-3 "> <a href="/en-gb/solutions/general-insurance/claims/" title="Claims" class="sm" target="_self">Claims</a> <div class="mega-third-submenu"> <div class="third-submenu-content"> <div class="section links"> <ul> <li class="menu-item"> <span>Claims</span> </li> <li class="menu-item item-3-1 "> <a href="/en-gb/solutions/general-insurance/claims/" class="sm">Overview of Claims</a> </li> <li class="menu-item item-3-2 "> <a href="/en-gb/solutions/general-insurance/claims/notification/" title="Notification" class="sm" target="_self">Notification</a> </li> <li class="menu-item item-3-3 "> <a href="/en-gb/solutions/general-insurance/claims/investigation-anti-fraud/" title="Investigation and Anti-Fraud" class="sm" target="_self">Investigation and Anti-Fraud</a> </li> <li class="menu-item item-3-4 "> <a href="/en-gb/solutions/general-insurance/claims/allocation-supply-chain-deployment/" title="Allocation and Supply Chain Deployment" class="sm" target="_self">Allocation and Supply Chain Deployment</a> </li> <li class="menu-item item-3-5 "> <a href="/en-gb/solutions/general-insurance/claims/valuation/" title="Valuation" class="sm" target="_self">Valuation</a> </li> <li class="menu-item item-3-6 "> <a href="/en-gb/solutions/general-insurance/claims/negotiation-dispute-resolution/" title="Negotiation and Dispute Resolution" class="sm" target="_self">Negotiation and Dispute Resolution</a> </li> <li class="menu-item item-3-7 "> <a href="/en-gb/solutions/general-insurance/claims/fulfilment-settlement-subrogation/" title="Fulfilment, Settlement and Subrogation" class="sm" target="_self">Fulfilment, Settlement and Subrogation</a> </li> </ul> </div> <div class="section content-area content-3-1"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57105"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Claims Overview</strong></p> <p>Re-imagine your end-to-end claims experience to reduce costs, improve accuracy, and improve customer experience from first notice of loss through resolution.</p> <p><a href="/en-gb/solutions/general-insurance/claims/" title="Learn about our general insurance claims solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-2 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57292"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Notification Overview</strong></p> <p>Accelerate the claims process with solutions that automatically populate key data and help route claims correctly, saving time right from the start.</p> <p><a href="/en-gb/solutions/general-insurance/claims/notification/" title="Learn about our general notification of claim solution " class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-3 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57295"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Investigation and Anti-Fraud Overview</strong></p> <p>Process claims faster and enhance the customer experience with deep claim intelligence and powerful analytics that deliver the insights you for investigating claims.</p> <p><a href="/en-gb/solutions/general-insurance/claims/investigation-anti-fraud/" title="Learn about our investigation and anti-fraud solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-4 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57298"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Allocation and Supply Chain Deployment Overview</strong></p> <p>Optimise your repair allocation and supply chain deployment with solutions that can decrease claim cycle times and ensure a seamless workflow.</p> <p><a href="/en-gb/solutions/general-insurance/claims/allocation-supply-chain-deployment/" title="Learn about our allocation and supply chain deployment claims solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-5 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57301"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Valuation Overview</strong></p> <p>Leverage the power of predictive analytics with advanced insurance claim valuation tools for personal injury, property, and motor claims.</p> <p><a href="/en-gb/solutions/general-insurance/claims/valuation/" title="Learn about our claims valuation solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-6 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57304"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Negotiation and Dispute Resolution Overview</strong></p> <p>Deliver better outcomes for your customers with automated tools and data-driven insights that facilitate faster negotiations and fairer claims resolutions.</p> <p><a href="/en-gb/solutions/general-insurance/claims/negotiation-dispute-resolution/" title="Learn about our claims negotiation and dispute resolution solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-3-7 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57307"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Fulfilment, Settlement and Subrogation Overview</strong></p> <p>Fast-track claims and payments. Empower your team with our tools and services to resolve cases quicker, settle subrogation seamlessly, and prevent fraud.</p> <p><a href="/en-gb/solutions/general-insurance/claims/fulfilment-settlement-subrogation/" title="Learn about our claims fulfilment, settlement and subrogation solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> </li> <li class="menu-item item-2-4 "> <a href="/en-gb/solutions/general-insurance/policy-admin/" title="Policy Admin" class="sm" target="_self">Policy Admin</a> </li> </ul> </div> <div class="section content-area content-2-1"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57080"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>General Insurance Overview</strong></p> <p>Streamline your general insurance claims and underwriting decision-making through our ecosystem of innovative solutions for every stage of the insurance workflow.</p> <p><a href="/en-gb/solutions/general-insurance/" title="Learn about our general insurance solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="section content-area content-2-4 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57127"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Policy Admin Overview</strong></p> <p>Escape legacy policy administration systems with a nimble, innovative, and affordable alternative to traditional software houses.</p> <p><a href="/en-gb/solutions/general-insurance/policy-admin/" title="Learn about out policy administration general insurance solutions" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display 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64V185L564.8 231.5C572.8 238.5 576.9 246.5 575.8 255.5C575.8 273.5 560.8 287.6 543.8 287.6L511.8 287.6z"></path><title xmlns="">Home</title></svg></span></a> <meta itemprop="name" content="Home" /> <meta itemprop="position" content="1" /> </li> <li class="breadcrumb-item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a href="/en-gb/blog/" itemprop="item" class="breadcrumb-item-link"><span itemprop="name">Blog</span></a> <meta itemprop="position" content="2" /> </li> <li class="breadcrumb-item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <span itemprop="name" aria-current="page" class="breadcrumb-item-current-page">Rafal Wojcik</span> <meta itemprop="position" content="3" /> </li> </ol> </nav> </div> </div> </section> </div> <div class="container"> <div class="column-left"> <div class="caption"> <h1>Rafal Wojcik</h1> <!-- XhtmlString.cshtml Display Template Start --> <p>Rafal Wojcik is Director of Research for Extreme Event 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He can be contacted at: <a href="mailto:Rafal.Wojcik@verisk.com">Rafal.Wojcik@verisk.com</a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> <div class="[ grid__item grid__item__full ] blog-landing-search-section"> <div class="blog-search"> <div class="blog-search__categories"> </div> <form action="/en-gb/blog/" method="get"> <input class="blog-search__search blog-search__search--redirect" type="search" placeholder="Search" name="keyword"> </form> </div> </div> <div class="[ grid__item grid__item__full ] blog-landing-results"> <section class="blog-results-wrapper"> <div class="container"> <div class="w-full"> <div class="blog-results-grid"> <div class="score-card primary horizontal standard featured blog-results-card" id=""> <div class="image-wrapper"> <a href="https://www.verisk.com/blog/next-generation-modeling-for-direct-facultative-and-treaty-lines/" aria-label="Next Generation Modeling for Direct, Facultative, and Treaty Lines" target="_self"> <img src="https://www.verisk.com/495697/contentassets/839e62303c224d3abba5f7efad16b17f/pointing-at-computer.jpg/_croppings/blog-details-page-standard-card.jpg" loading="lazy" class="score-image img-fluid" alt="Pointing At Computer "> </a> </div> <div class="caption"> <p class="article-tag">29/03/2022 - 13 min read</p> <a href="https://www.verisk.com/blog/next-generation-modeling-for-direct-facultative-and-treaty-lines/" alt="Next Generation Modeling for Direct, Facultative, and Treaty Lines" target="_self"> <H4 class="card__title"> Next Generation Modeling for Direct, Facultative, and Treaty Lines </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> The fourth and final installment of Verisk's Next Generation Modeling series, we discuss various aspects of reinsurance loss accumulation with spatial correlation. <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Read more" class="score-button verisk-button score-button verisk-button tertiary lg" href="https://www.verisk.com/blog/next-generation-modeling-for-direct-facultative-and-treaty-lines/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Read more<span class="button-svg-wrapper"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512" class="icon"> <path fill="#000000" d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z"> </path> </svg></span></span></div></a> </div> </div> </div> <div class="score-card primary horizontal standard featured blog-results-card" id=""> <div class="image-wrapper"> <a href="https://www.verisk.com/blog/next-generation-financial-modeling-for-commercial-lines/" aria-label="Next Generation Financial Modeling for Commercial Lines" target="_self"> <img 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src="https://www.verisk.com/495794/contentassets/f4f6a8fb89b14b989234552997fe456c/commercial.jpg/_croppings/blog-details-page-standard-card.jpg" loading="lazy" class="score-image img-fluid" alt="Commercial"> </a> </div> <div class="caption"> <p class="article-tag">19/04/2021 - 16 min read</p> <a href="https://www.verisk.com/blog/next-generation-financial-modeling-for-residential-and-small-business-lines/" alt="Next Generation Financial Modeling for Residential and Small Business Lines" target="_self"> <H4 class="card__title"> Next Generation Financial Modeling for Residential and Small Business Lines </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> The commercial, corporate, and specialty market segments have distinct attributes, which bring complexity to many modeling tasks. <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Read more" class="score-button 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src="https://www.verisk.com/49578c/contentassets/27bb0cfea30a4caaabcc694164a022a3/combining-loss-metrics.jpg/_croppings/blog-details-page-standard-card.jpg" loading="lazy" class="score-image img-fluid" alt="Combining Loss Metrics "> </a> </div> <div class="caption"> <p class="article-tag">20/10/2020 - 17 min read</p> <a href="https://www.verisk.com/blog/next-generation-modeling-loss-accumulation/" alt="Next Generation Modeling: Loss Accumulation" target="_self"> <H4 class="card__title"> Next Generation Modeling: Loss Accumulation </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> With newly available claims data and computational techniques, AIR has calibrated the financial engine of our catastrophe models to accurately represent loss accumulation <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Read more" class="score-button verisk-button score-button 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