var i = (window.location.host == "www.verisk.com") ? 'GTM-NKWPGK' : 'GTM-NR9MLKH'; (function (w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', i); </script>" height="0" width="0" style="display: none; visibility: hidden" ></ iframe > </noscript> <!-- End Google Tag Manager (noscript) --> <div class="grid blog-landing content-type-page"> <a class="skip-to-main" href="#main">Skip to main content</a> <header class="[ grid__item grid__item__full ] [ full-bleed ] utility-navigation"> <nav class="navbar utility-navbar" aria-label="Utility" role="navigation"> <ul class="nav-links"> <li data-has-dropdown> <a class="drop xs language-selector" aria-expanded="false" tabindex="0"> United Kingdom (EN) <span class="icon-container"> <svg xmlns="http://www.w3.org/2000/svg" width="22" height="22" viewBox="0 0 22 22" fill="none" class="icon"> <path d="M21.9988 10.849C21.9558 7.89604 20.7605 5.13792 18.6337 3.0819C16.5168 1.03665 13.7476 -0.0578002 10.8285 0.00235413C7.89501 0.0472455 5.15358 1.22968 3.11118 3.33149C1.06789 5.43331 -0.0367556 8.20669 0.000933523 11.1399C0.0386227 14.083 1.22493 16.8357 3.34181 18.8908C5.41112 20.9002 8.11397 22 10.9721 22C11.0358 22 11.0986 22 11.1623 21.9982C17.2249 21.895 22.0868 16.8932 21.9988 10.849ZM16.926 8.91149H18.0639C18.5745 8.91238 19.1012 8.91328 19.6226 8.90879C19.9519 10.2708 19.9537 11.6732 19.6271 13.0774H16.9269C17.0633 11.7028 17.0633 10.3336 16.9269 8.91149H16.926ZM18.8051 15.2142C17.9679 16.7369 16.8354 17.8889 15.3673 18.7095C15.6231 18.2184 15.8384 17.7165 16.0116 17.2074C16.2144 16.6086 16.3769 15.9908 16.5339 15.3929L16.5824 15.2079C17.2096 15.216 17.8458 15.2151 18.4605 15.2142C18.5754 15.2142 18.6903 15.2142 18.8051 15.2142ZM14.7912 13.0774H12.0713V8.92316H14.7867C14.9447 10.2546 14.9465 11.6193 14.7921 13.0774H14.7912ZM14.4063 6.78184H12.0677V2.51806C12.5658 2.88079 12.9821 3.39075 13.4048 4.15211C13.8221 4.90359 14.1442 5.74665 14.4063 6.78094V6.78184ZM18.3268 6.78633C17.7579 6.78723 17.1692 6.78902 16.5886 6.79531C16.297 5.45306 15.8887 4.29486 15.3458 3.26775C15.5917 3.40601 15.8358 3.55595 16.0727 3.72205C17.2141 4.5283 18.1321 5.55721 18.8051 6.78543H18.3268V6.78633ZM14.4098 15.2124C14.3802 15.33 14.3515 15.4432 14.3183 15.5554C14.0545 16.4586 13.7745 17.1706 13.4362 17.7955C13.1221 18.3755 12.7793 18.8414 12.3872 19.2185C12.2822 19.32 12.1727 19.4098 12.0579 19.4897C12.0579 18.0621 12.0579 16.6337 12.0579 15.2061C12.7076 15.2052 13.368 15.2079 14.0069 15.2106L14.4098 15.2124ZM9.93202 15.2169V19.4807C9.45373 19.1332 9.0535 18.6529 8.6479 17.9409C8.20191 17.1589 7.85643 16.2656 7.5944 15.2169H9.93202ZM7.20763 8.92136H9.92664V13.0747H7.21212C7.05508 11.7325 7.05419 10.3687 7.20763 8.92136ZM3.19464 6.78364C4.03098 5.26362 5.17152 4.10452 6.65576 3.26685C6.10209 4.30743 5.69379 5.46563 5.41291 6.79082C4.9418 6.78454 4.4662 6.78274 3.99688 6.78274C3.83446 6.78274 3.67293 6.78274 3.5132 6.78274C3.40642 6.78274 3.29963 6.78274 3.19374 6.78274L3.19464 6.78364ZM7.59081 6.78454C7.62491 6.64627 7.6599 6.51339 7.69849 6.38141C7.95244 5.5177 8.22434 4.82907 8.55547 4.21585C8.86775 3.63586 9.21413 3.1654 9.61256 2.77754C9.71127 2.68147 9.82524 2.58989 9.93651 2.51268L9.9383 3.68703C9.9401 4.72223 9.94099 5.75742 9.94189 6.79172C9.1585 6.78902 8.3751 6.78723 7.5917 6.78454H7.59081ZM3.6828 15.2115C4.24904 15.2106 4.83322 15.2088 5.41022 15.2026C5.69648 16.5251 6.10029 17.6752 6.63961 18.7041C6.45206 18.6008 6.27079 18.4958 6.09401 18.38C4.88706 17.5917 3.91342 16.5277 3.19374 15.2133H3.6828V15.2115ZM5.07281 13.081H4.41146C3.73485 13.0837 3.05824 13.0846 2.37625 13.0873C2.04781 11.7271 2.04602 10.3265 2.37176 8.91957H5.07281C4.93821 10.2914 4.93821 11.6885 5.07281 13.0801V13.081Z" fill="white"></path> </svg> </span> <span class="sr-only">Show submenu for language selector</span> </a> <div class="dropdown_container"> <ul> <li class="language-label">Select a Language</li> <li class="verisk-language" data-language="en-US"><a href="#">United States (EN)</a></li> <li class="verisk-language" data-language="en-CA"><a href="#">Canada (EN)</a></li> <li class="verisk-language" data-language="en-DE"><a href="#">Germany (EN)</a></li> <li class="verisk-language" data-language="de-DE"><a href="#">Deutschland (DE)</a></li> </ul> </div> </li> <li> <a class="drop xs " aria-expanded="false" tabindex="0"> <span class="icon-container"> <?xml version="1.0" encoding="UTF-8"?><svg id="Layer_1" data-name="Layer 1" xmlns="http://www.w3.org/2000/svg" width="24" height="24" version="1.1" viewBox="0 0 24 24"><defs><style> .cls-1 { fill: #fff; stroke-width: 0px; } </style></defs><path class="cls-1" d="M11.99,23.5c-3.06,0-5.93-1.18-8.09-3.33C1.71,18,.5,15.1.5,12.01.49,5.69,5.64.52,11.97.5h.04c3.05,0,5.92,1.18,8.09,3.34,2.18,2.17,3.39,5.07,3.39,8.16,0,6.3-5.12,11.46-11.44,11.5h-.07,0ZM12.01,2.82c-.31,0-.61.02-.92.05-4.22.42-7.58,3.65-8.18,7.87-.29,2.06.1,4.04,1.15,5.88.34.6.74,1.14,1.22,1.64.64-2.45,2.71-4.12,5.28-4.21.91-.03,1.84-.02,2.73-.02h.91c.24,0,.49.03.75.08,2.07.38,3.53,1.55,4.35,3.48,1.44-1.82,2.6-5.01,1.42-8.51-1.27-3.79-4.77-6.26-8.7-6.26h0ZM15.51,9.63c.02,1.92-1.55,3.5-3.5,3.52-1.93.02-3.51-1.55-3.53-3.51-.02-1.92,1.58-3.52,3.52-3.52s3.5,1.57,3.52,3.51h-.01Z" /></svg> </span> </a> <div class="dropdown_container"> <ul> <li class="link-section-sub-header"> </li> <li> <a href="https://products.iso.com/" title="ISOnet" target="_blank">ISOnet</a> </li> <li> <a href="https://alert.air-worldwide.com/" title="ALERT™" target="_blank">ALERT™</a> </li> <li> <a href="https://uk.veriskallyne.com/login" title="Allyne" target="_blank">Allyne</a> </li> <li> <a href="https://portal.business-insight.net/Account/LogIn?ReturnUrl=%2F" title="Business Insight" target="_blank">Business Insight</a> </li> <li> <a href="https://claimsearch.iso.com/" title="ClaimSearch" target="_blank">ClaimSearch</a> </li> <li> <a href="https://www.claimxperience.co.uk/signin" title="ClaimXperience" target="_blank">ClaimXperience</a> </li> <li> <a href="https://g1.contentstrack.com/Account/Login" title="ContentsTrack" target="_self">ContentsTrack</a> </li> <li class="nav-list-separator"></li> <li class="link-section-sub-header"> </li> </ul> <ul> <li class="link-section-sub-header"> </li> <li> <a href="https://www.air-worldwide.com/support-and-training/Client-Portal/" title="EES Portal (Cat Risk)" target="_blank">EES Portal (Cat Risk)</a> </li> <li> <a href="https://portal.verisk.com/" title="Lloyd's ISO Portal" target="_blank">Lloyd's ISO Portal</a> </li> <li> <a href="https://mozart.iso.com/#/Login" title="Mozart Form Composer" target="_blank">Mozart Form Composer</a> </li> <li> <a href="https://platform.rebmark.cloud/Account/Login?ReturnUrl=%2F" title="piCalculator" target="_blank">piCalculator</a> </li> <li> <a href="https://www.g1.xactanalysis.com/" title="XactAnalysis" target="_blank">XactAnalysis</a> </li> <li> <a href="https://g1.xactimate.com/xor/" title="Xactimate" target="_blank">Xactimate</a> </li> </ul> </div> </li> <li> <a href="/en-gb/company/contact/" title="Contact Us"> <span class="icon-container"> <?xml version="1.0" encoding="UTF-8"?><svg id="Layer_1" data-name="Layer 1" xmlns="http://www.w3.org/2000/svg" width="25" height="23" version="1.1" viewBox="0 0 25 23"><defs><style> .cls-1 { fill: #fff; stroke-width: 0px; } </style></defs><path class="cls-1" d="M22.47,22.25c-.47,0-.94-.15-1.34-.44l-1.85-1.39c-.14-.1-.28-.15-.43-.15H7.71c-1.77,0-3.2-1.44-3.2-3.2,0-.69.56-1.27,1.25-1.27s1.25.54,1.25,1.23v.04c0,.39.32.7.7.7h11.15c.69,0,1.35.23,1.93.65l1.42,1.07V6.25c0-.39-.32-.7-.7-.7h-1.43c-.69,0-1.25-.56-1.25-1.25s.56-1.25,1.25-1.25h1.43c1.77,0,3.2,1.44,3.2,3.2v13.77c0,.84-.47,1.6-1.22,1.98-.32.16-.67.24-1.01.24h-.01ZM22.62,19.8h0ZM15.72,0H1.95C.86,0,0,.89,0,1.95v13.77c0,.8.92,1.26,1.58.78l1.84-1.38c.34-.26.75-.4,1.18-.4h11.15c1.09,0,1.95-.89,1.95-1.95V1.98c-.03-1.09-.89-1.98-1.98-1.98h0ZM9.83,11.55h-4.91c-.69,0-1.24-.55-1.24-1.24s.55-1.24,1.24-1.24h4.91c.69,0,1.24.55,1.24,1.24s-.55,1.24-1.24,1.24ZM13.77,6.64H4.91c-.69,0-1.24-.55-1.24-1.24s.55-1.24,1.24-1.24h8.85c.69,0,1.24.55,1.24,1.24s-.57,1.24-1.24,1.24h.01Z" /></svg> </span> </a> </li> </ul> </nav> </header> <header class="[ grid__item grid__item__full ] [ full-bleed ] main-navigation"> <nav role="navigation" class="navbar main-navbar" aria-label="Main"> <a href="/en-gb/"> <img alt="Verisk Logo" tabindex="0" src="/4ad6b0/contentassets/faca0466a4ed4d7eadc22dcaa8ac2083/verisk-main-nav-logo.png" /> </a> <ul class="nav-links"> <li class="nav-links-link"> <a class="drop score-button verisk-button tertiary lg" aria-haspopup="true"> Our Focus & Solutions <i class="dropdown-arrow"></i> </a> <div class="dropdown_container"> <div class="mega-menu"> <ul> <li class="menu-item section-label"> <span>Our Focus & Solutions</span> </li> <li class="menu-item item-1-1 " tabindex="0"> <a href="/en-gb/solutions/general-insurance/" title="General Insurance" class="sm" target="_self" >General Insurance</a> <div class="mega-submenu"> <div class="submenu-content"> <div class="section links"> <ul> <li class="menu-item"> <span>General Insurance</span> </li> <li class="menu-item item-2-1 "> <a href="/en-gb/solutions/general-insurance/" class="sm">Overview of General Insurance</a> </li> <li class="menu-item item-2-2 " tabindex="0"> <a href="/en-gb/solutions/general-insurance/underwriting-rating/" title="Underwriting and 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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 " tabindex="0"> <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 Template End --> </div> </div> </div> </div> </div> </li> <li class="menu-item item-1-2 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/" title="Reinsurance and Specialty Markets" class="sm" target="_self" >Reinsurance and Specialty Markets</a> <div class="mega-submenu"> <div class="submenu-content"> <div class="section links"> <ul> <li class="menu-item"> <span>Reinsurance and Specialty Markets</span> </li> <li class="menu-item item-2-1 "> <a href="/en-gb/solutions/reinsurance-specialty-markets/" class="sm">Overview of Reinsurance and Specialty Markets</a> </li> <li class="menu-item item-2-2 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/underwriting-rating/" title="Underwriting and Rating" class="sm" target="_self">Underwriting and Rating</a> </li> <li class="menu-item item-2-3 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/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/reinsurance-specialty-markets/claims/" class="sm">Overview of Claims</a> </li> <li class="menu-item item-3-2 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/claims/catastrophe-claims-data/" title="Catastrophe Claims Data" class="sm" target="_self">Catastrophe Claims Data</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-57328"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Claims Overview</strong></p> <p>Revolutionise claims in reinsurance and specialty markets with cutting-edge, tailored solutions for seamless and efficient risk management.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/claims/" title="Learn about out reinsurance and specialty 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-76410"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Catastrophe Claims Data</strong></p> <p>Access the insurance industry’s trusted source for independent property loss estimates covering a range of catastrophe and global large loss specialty lines.</p> <p><strong><a class="score-button verisk-button secondary default r-sm xsm" href="/en-gb/solutions/reinsurance-specialty-markets/claims/catastrophe-claims-data/">Learn more</a></strong></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> </li> <li class="menu-item item-2-4 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/" title="Extreme Event Risk and Exposure Management" class="sm" target="_self">Extreme Event Risk and Exposure Management</a> <div class="mega-third-submenu"> <div class="third-submenu-content"> <div class="section links"> <ul> <li class="menu-item"> <span>Extreme Event Risk and Exposure Management</span> </li> <li class="menu-item item-3-1 "> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/" class="sm">Overview of Extreme Event Risk and Exposure Management</a> </li> <li class="menu-item item-3-2 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/risk-models/" title="Risk Models" class="sm" target="_self">Risk Models</a> </li> <li class="menu-item item-3-3 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/software-solutions/" title="Software Solutions" class="sm" target="_self">Software Solutions</a> </li> <li class="menu-item item-3-4 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/consulting-services/" title="Consulting Services" class="sm" target="_self">Consulting Services</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-57331"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Reinsurance Extreme Event Risk and Exposure Management Overview</strong></p> <p>Identify and quantify the risk you face from extreme events with sophisticated catastrophe risk modelling, global loss indexes, and advanced analytics.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/" title="Learn about our extreme event and catastrophe risk 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-57372"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Risk Models Overview</strong></p> <p>Discover what catastrophe risk modelling is and how it can help you manage risk from natural catastrophes, man-made threats, and more.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/risk-models/" title="Learn about our catastrophe risk modeling 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-57353"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Software 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/reinsurance-specialty-markets/extreme-event-risk/software-solutions/" title="Learn about our catastrophe modeling software 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-57367"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Consulting Services Overview</strong></p> <p>Navigate the fast-paced world of extreme event risk management with the guidance and expertise of our industry consultants.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/consulting-services/" title="Learn about our extreme event risk consulting services" 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-2-5 " tabindex="0"> <a href="/en-gb/solutions/reinsurance-specialty-markets/policy-admin/" title="Policy Admin and Trading" class="sm" target="_self">Policy Admin and Trading</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-57188"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Reinsurance and Specialty Markets Overview</strong></p> <p>Experience the future of insurance technology and data for (re)insurers, Lloyd’s syndicates, coverholders, brokers, and MGAs.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/" title="Learn about our reinsurance and specialty markets 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-2-2 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57325"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Underwriting and Rating Overview</strong></p> <p>Underwrite more accurately and efficiency with tools like policy language and Lloyd’s-specific wordings to property characteristics and catastrophe analytics.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/underwriting-rating/" title="Learn about our reinsurance and specialty 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-2-5 "> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57334"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Policy Admin and Trading Overview</strong></p> <p>Help your organisation compete in an evolving insurance landscape with an effective digital strategy based on sound policy administration.</p> <p><a href="/en-gb/solutions/reinsurance-specialty-markets/policy-admin/" title="Learn about our reinsurance and specialty policy administration and trading 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-1-3 " tabindex="0"> <a href="/en-gb/solutions/life-health-travel/" title="Life, Health, and Travel" class="sm" target="_self" >Life, Health, and Travel</a> </li> <li class="nav-list-separator"></li> <li class="menu-item section-label"> <span>Additional Solutions</span> </li> <li class="menu-item item-1-4 " tabindex="0"> <a href="/en-gb/solutions/consumer-insights/" title="Consumer Insights" class="sm" target="_self" >Consumer Insights</a> </li> <li class="menu-item item-1-5 " tabindex="0"> <a href="/en-gb/solutions/sustainability-resilience/" title="Sustainability and Resilience" class="sm" target="_self" >Sustainability and Resilience</a> </li> <li class="menu-item item-1-6 " tabindex="0"> <a href="/en-gb/solutions/land-buildings-data/" title="Land and Buildings Data" class="sm" target="_self" >Land and Buildings Data</a> </li> <li class="nav-list-separator"></li> <li class="menu-item item-1-7 " tabindex="0"> <a href="/en-gb/products/" title="View All Products" class="sm" target="_self" >View All Products</a> </li> </ul> <div class="content-area content-default"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-55696"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Our Focus and Solutions Overview</strong></p> <p>Assess risk, improve outcomes, build resilience, and seize strategic opportunities with our innovative solutions designed for insurers and reinsurers.</p> <p><a href="/en-gb/solutions/" title="Learn about our 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="content-area content-1-3"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57189"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Life, Health, and Travel Overview</strong></p> <p>Transform insurance underwriting for life, health, and travel when you automate the assessment of medical conditions.</p> <p><a href="/en-gb/solutions/life-health-travel/" title="Learn about our life, health, and travel risk 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="content-area content-1-4"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57167"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Consumer Insights Overview</strong></p> <p>Find the right customers at the right time with data and insights to create personalised experiences and profitable growth strategies.</p> <p><a href="/en-gb/solutions/consumer-insights/" title="Learn about our consumer insights 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="content-area content-1-5"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57168"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Sustainability and Resilience Overview</strong></p> <p>Attain unparallelled insight into the environment, human rights, and political risk at the heart of your decision-making with solutions tailored to your unique concerns.</p> <p><a href="/en-gb/solutions/sustainability-resilience/" title="Learn about our sustainability and resilience 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="content-area content-1-6"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57169"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Land and Buildings Data Overview</strong></p> <p>Inform your decision-making about property and land use by harnessing insights from buildings information, mapping, and geospatial data analytics.</p> <p><a href="/en-gb/solutions/land-buildings-data/" title="Learn about our land and buildings data 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="content-area content-1-7"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-57278"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>View All Products</strong></p> <p>Browse all our available products, across all lines, industries, and stages of the insurance life cycle.</p> <p><a href="/en-gb/products/" title="Explore Products" class="score-button verisk-button secondary default xsm"><strong>Explore Products </strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> </li> <li class="nav-links-link"> <a class="drop score-button verisk-button tertiary lg" aria-haspopup="true"> Resources <i class="dropdown-arrow"></i> </a> <div class="dropdown_container"> <div class="mega-menu fifty-fifty"> <div class="fifty-fifty__links"> <ul> <li class="menu-item section-label"> <span>Resources</span> </li> <li class="menu-item item-1-1 " tabindex="0"> <a href="/en-gb/blog/" title="Thought Leadership" class="sm" target="_self" >Thought Leadership</a> </li> <li class="menu-item item-1-2 " tabindex="0"> <a href="/en-gb/conferences/" title="Events" class="sm" target="_self" >Events</a> </li> </ul> <ul> <li class="menu-item section-label"> <span></span> </li> <li class="menu-item item-1-3 " tabindex="0"> <a href="/en-gb/company/contact/" title="Contact Support" class="sm" target="_self" >Contact Support</a> </li> </ul> </div> <div class="content-area content-default"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-55999"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>Verisk Resources</strong></p> <p>Stay informed about industry trends and innovative solutions with our events and thought leadership Visualise blog.</p> <p><a href="/en-gb/blog/" title="Visit Visualise" class="score-button verisk-button secondary default xsm"><strong>Visit Visualise</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="content-area content-1-1"> </div> <div class="content-area content-1-2"> </div> <div class="content-area content-1-3"> </div> </div> </div> </li> <li class="nav-links-link"> <a class="drop score-button verisk-button tertiary lg" aria-haspopup="true"> Company <i class="dropdown-arrow"></i> </a> <div class="dropdown_container"> <div class="mega-menu fifty-fifty"> <div class="fifty-fifty__links"> <ul> <li class="menu-item section-label"> <span>Company</span> </li> <li class="menu-item item-1-1 " tabindex="0"> <a href="/en-gb/company/about/" title="About Us" class="sm" target="_self" >About Us</a> </li> <li class="menu-item item-1-2 " tabindex="0"> <a href="/en-gb/company/about/leadership/" title="Leadership" class="sm" target="_self" >Leadership</a> </li> <li class="menu-item item-1-3 " tabindex="0"> <a href="/en-gb/company/newsroom/" title="Newsroom" class="sm" target="_self" >Newsroom</a> </li> </ul> <ul> <li class="menu-item section-label"> <span></span> </li> <li class="menu-item item-1-4 " tabindex="0"> <a href="/company/careers/" title="Careers" class="sm" target="_blank" >Careers</a> </li> <li class="menu-item item-1-5 " tabindex="0"> <a href="https://investor.verisk.com/overview/default.aspx" title="Investors" class="sm" target="_blank" >Investors</a> </li> <li class="menu-item item-1-6 " tabindex="0"> <a href="/en-gb/company/contact/" title="Contact Us" class="sm" target="_self" >Contact Us</a> </li> </ul> </div> <div class="content-area content-default"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-56000"> <!-- XhtmlString.cshtml Display Template Start --> <p><strong>About Verisk</strong></p> <p>Learn who we are, explore our history as a strategic partner to the insurance industry, and how we're continuously evolving to support resilience and sustainability for individuals, businesses, and communities.</p> <p><a href="/en-gb/company/about/" title="Learn more about Verisk" class="score-button verisk-button secondary default xsm"><strong>Learn more</strong></a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="content-area content-1-1"> </div> <div class="content-area content-1-2"> </div> <div class="content-area content-1-3"> </div> <div class="content-area content-1-4"> </div> <div class="content-area content-1-5"> </div> <div class="content-area content-1-6"> </div> </div> </div> </li> </ul> <div class="search_buttons"> <a class="search-icon" role="button" aria-label="open search button" data-toggle-search="closed"> <span class="search-icon-container"> <svg xmlns="http://www.w3.org/2000/svg" width="26" height="26" viewBox="0 0 26 26" fill="none" class="icon"> <path fill-rule="evenodd" clip-rule="evenodd" d="M19.2967 17.6072L24.5714 22.9469C24.8069 23.2119 24.7953 23.6175 24.5451 23.8681L23.622 24.8025C23.4982 24.9289 23.3296 25 23.1538 25C22.9781 25 22.8095 24.9289 22.6857 24.8025L17.411 19.4628C17.2651 19.3149 17.1327 19.1541 17.0154 18.9823L16.0264 17.6473C14.39 18.9701 12.3578 19.6904 10.2637 19.6897C5.9485 19.7049 2.19871 16.6915 1.23437 12.4335C0.270018 8.17548 2.34848 3.80932 6.23925 1.91988C10.13 0.0304566 14.7947 1.12202 17.4716 4.54834C20.1486 7.97466 20.1234 12.8213 17.411 16.2189L18.7297 17.14C18.9356 17.2735 19.1258 17.4301 19.2967 17.6072ZM3.67033 10.3452C3.67033 14.0315 6.62229 17.0199 10.2637 17.0199C12.0124 17.0199 13.6895 16.3167 14.9259 15.0649C16.1625 13.8132 16.8571 12.1155 16.8571 10.3452C16.8571 6.65883 13.9051 3.67047 10.2637 3.67047C6.62229 3.67047 3.67033 6.65883 3.67033 10.3452Z" fill="#2A7DE1" stroke="#2A7DE1" stroke-width="0.75" /> </svg> </span> </a> <form action="/en-gb/site-search/" method="get"> <input class="search" type="search" placeholder="[Type to search]" aria-label="search" role="searchbox" name="keyword" /> </form> <a class="search-close-icon" role="button" aria-label="close search button"> <span class="search-close-icon-container"> <svg width="48" height="48" viewBox="0 0 48 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="icon"> <path d="M36.6014 11.4195C35.8214 10.6395 34.5614 10.6395 33.7814 11.4195L24.0014 21.1795L14.2214 11.3995C13.4414 10.6195 12.1814 10.6195 11.4014 11.3995C10.6214 12.1795 10.6214 13.4395 11.4014 14.2195L21.1814 23.9995L11.4014 33.7795C10.6214 34.5595 10.6214 35.8195 11.4014 36.5995C12.1814 37.3795 13.4414 37.3795 14.2214 36.5995L24.0014 26.8195L33.7814 36.5995C34.5614 37.3795 35.8214 37.3795 36.6014 36.5995C37.3814 35.8195 37.3814 34.5595 36.6014 33.7795L26.8214 23.9995L36.6014 14.2195C37.3614 13.4595 37.3614 12.1795 36.6014 11.4195Z" fill="#2a7de1" /> </svg> </span> </a> </div> </nav> </header> <div id="main"></div> <div class="[ grid__item grid__item__full ] [ full-bleed ]"> <div class="score-hero blog-detail" style="background-image:url(''); background-repeat: no-repeat, no-repeat;"> <div class="breadcrumb-cta"> <section class="breadcrumb-wrapper over-light"> <div class="container"> <div class="w-full"> <nav aria-label="Breadcrumb" class="breadcrumb"> <ol class="breadcrumb-list" itemscope itemtype="http://schema.org/BreadcrumbList"> <li class="breadcrumb-item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a href="/en-gb/" aria-label="Home" itemprop="item" class="breadcrumb-item-link"><span itemprop="name" class="icon-container"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 576 512" class="icon"><path d="M511.8 287.6L512.5 447.7C512.5 450.5 512.3 453.1 512 455.8V472C512 494.1 494.1 512 472 512H456C454.9 512 453.8 511.1 452.7 511.9C451.3 511.1 449.9 512 448.5 512H392C369.9 512 352 494.1 352 472V384C352 366.3 337.7 352 320 352H256C238.3 352 224 366.3 224 384V472C224 494.1 206.1 512 184 512H128.1C126.6 512 125.1 511.9 123.6 511.8C122.4 511.9 121.2 512 120 512H104C81.91 512 64 494.1 64 472V360C64 359.1 64.03 358.1 64.09 357.2V287.6H32.05C14.02 287.6 0 273.5 0 255.5C0 246.5 3.004 238.5 10.01 231.5L266.4 8.016C273.4 1.002 281.4 0 288.4 0C295.4 0 303.4 2.004 309.5 7.014L416 100.7V64C416 46.33 430.3 32 448 32H480C497.7 32 512 46.33 512 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"> <span itemprop="name" aria-current="page" class="breadcrumb-item-current-page">Blog</span> <meta itemprop="position" content="2" /> </li> </ol> </nav> </div> </div> </section> </div> <div class="container"> <div class="column-left"> <div class="caption"> <h1>Visualise</h1> <div class="score-call-to-action only-mobile"></div> </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> <input class="blog-search__search" type="search" placeholder="Search"> </div> </div> <div class="[ grid__item grid__item__full ] [ full-bleed ] blog-landing-cta-stripe"> <section class="section-hero-block-container media-left"> <div class="container justify-center"> <div class="w-full"> <div class="content-area"> <div class="section-hero-block"> <div class="page-layout w-4col"> <div class="score-section-hero"> <p class="eyebrow-text">25/03/2013 - 5 min read</p> <h2>Modeling Fundamentals: What Is AAL?</h2> <div class="score-hero-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> This article explains the fundamentals behind the calculation of average annual loss (AAL). An upcoming article will address some common misperceptions and frequently asked questions. <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action"> <a aria-disabled="false" aria-label="Read more" class="score-button verisk-button false default primary md" href="https://www.verisk.com/en-gb/blog/modeling-fundamentals-what-is-aal/" rel="nonoreferrer" 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="page-layout image-wrapper w-8col"> <img src="https://www.verisk.com/49e2ee/siteassets/teaser-placeholder-v1.png" alt="teaser-placeholder-v1.png" class="score-image"> </div> </div> </div> </div> </div> </section> </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"> <input id="hideFeturedItem" type="hidden" style="height:0rem; width:0rem;" /> </div> <div class="blog-pagination"> <div class="blog-pagination__count"> Displaying 65-65 of 65 </div> <nav class="blog-pagination full-bleed" aria-label="pagination" role="navigation" > <a href="#" class="blog-pagination__first" data-page="1"> <span class="sr-only">Go to first page</span> <svg viewBox="297.065 130.252 9.698 10" width="9.698" height="10" xmlns="http://www.w3.org/2000/svg"> <path d="M 302.765 135.252 L 297.765 140.252 L 297.065 139.552 L 301.365 135.252 L 297.065 130.952 L 297.765 130.252 L 302.765 135.252 Z" transform="matrix(1, 0, 0, 1, -5.684341886080802e-14, 0)" /> <path d="M 306.763 135.252 L 301.763 140.252 L 301.063 139.552 L 305.363 135.252 L 301.063 130.952 L 301.763 130.252 L 306.763 135.252 Z" transform="matrix(1, 0, 0, 1, -5.684341886080802e-14, 0)" /> </svg> </a> <a href="#" class="blog-pagination__prev" data-page="4"> Previous<span class="sr-only">Page</span> </a> <div class="blog-pagination__page-numbers"> <a href="#" class="blog-pagination__page-btn " data-page="1"> 1 <span class="sr-only">First Page</span> </a> <a href="#" class="blog-pagination__page-btn " data-page="2"> <span class="sr-only">Page</span> 2 </a> <a href="#" class="blog-pagination__page-btn " data-page="3"> <span class="sr-only">Page</span> 3 </a> <a href="#" class="blog-pagination__page-btn " data-page="4"> <span class="sr-only">Page</span> 4 </a> <a href="#" class="blog-pagination__page-btn blog-pagination__page-btn--active" data-page="5" aria-current="Page" aria-label="Page 5"> <span class="sr-only">Page</span> 5 </a> </div> </nav> </div> </div> </div> </section> </div> <footer class="[ grid__item grid__item__full ] [ full-bleed ]"> <div class="footer-wrapper"> <div class="footer-curve"> <div class="footer-image" style="background-image: url('/49516d/contentassets/87d1b64b5c9a48f09ef33019baa650d3/footer-v6.png/_croppings/site-footer-tablet.png')"> </div> </div> <div class="footer-wrapper-sub-wrapper"> <div class="footer-content"> <div class="footer-content-column"> <h6 class="footer-content-column-header">Our Focus</h6> <nav aria-label="Our Focus" role="navigation"> <ul class="footer-content-column-list"> <li class="nav-item"> <a class="nav-link" href="/en-gb/solutions/" title="Insurance" target="_self" rel="">Insurance</a> </li> <li class="nav-item"> <a class="nav-link" href="/en-gb/solutions/general-insurance/" title="General Insurance" target="_self" rel="">General Insurance</a> </li> <li class="nav-item"> <a class="nav-link" href="/en-gb/solutions/reinsurance-specialty-markets/" title="Reinsurance and Specialty Markets" target="_self" rel="">Reinsurance and Specialty Markets</a> </li> <li class="nav-item"> <a class="nav-link" href="/en-gb/solutions/life-health-travel/" title="Life, Health, and Travel" target="_self" rel="">Life, Health, and Travel</a> </li> </ul> </nav> </div> <div class="footer-content-column"> <h6 class="footer-content-column-header">Company</h6> <nav aria-label="Company" role="navigation"> <ul class="footer-content-column-list"> <li class="nav-item"> <a class="nav-link" href="/en-gb/company/about/" title="About" target="_self" rel="">About</a> </li> <li class="nav-item"> <a class="nav-link" href="/company/careers/" title="Careers" target="_blank" rel="noreferrer">Careers</a> </li> <li class="nav-item"> <a class="nav-link" href="/company/csr/" title="Corporate Social Responsibility" target="_blank" rel="noreferrer">Corporate Social Responsibility</a> </li> <li class="nav-item"> <a class="nav-link" href="/en-gb/company/newsroom/" title="Newsroom" target="_self" rel="">Newsroom</a> </li> </ul> </nav> </div> <div class="footer-content-column"> <h6 class="footer-content-column-header">Key Links</h6> <nav aria-label="Key Links" role="navigation"> <ul class="footer-content-column-list"> <li class="nav-item"> <a class="nav-link" href="https://investor.verisk.com/overview/default.aspx" title="Investors" target="_blank" rel="noreferrer">Investors</a> </li> <li class="nav-item"> <a class="nav-link" href="/company/vendor-alliances/" title="Strategic Alliances" target="_self" rel="">Strategic Alliances</a> </li> <li class="nav-item"> <a class="nav-link" href="/resources/speakers-bureau/" title="Speakers Bureau" target="_self" rel="">Speakers Bureau</a> </li> <li class="nav-item"> <a class="nav-link" href="/company/csr/social/verisk-analytics-statement-on-modern-slavery/" title="Statement on Modern Slavery" target="_self" rel="">Statement on Modern Slavery</a> </li> </ul> </nav> </div> <div class="footer-content-column"> <h6 class="footer-content-column-header">Resources</h6> <nav aria-label="Resources" role="navigation"> <ul class="footer-content-column-list"> <li class="nav-item"> <a class="nav-link" href="/en-gb/blog/" title="Thought Leadership" target="_self" rel="">Thought Leadership</a> </li> <li class="nav-item"> <a class="nav-link" href="/en-gb/conferences/" title="Events" target="_self" rel="">Events</a> </li> <li class="nav-item"> <a class="nav-link" href="/en-gb/company/contact/" title="Contact" target="_self" rel="">Contact</a> </li> </ul> </nav> <div class="social-container"> <h5 class="social-headline">Stay Connected</h5> <div class="social-navigation"> <a title="View LinkedIn in a new window" href="https://www.linkedin.com/company/verisk-analytics" aria-label="View LinkedIn in a new window" target="_blank" rel="noreferrer" tabindex="0"> <img src="/4952b6/siteassets/icons/vds-icons/linkedin-icon2.svg" alt="Linkedin Icon " id="block-69198" width="30" height="30" /> </a> <a title="View Facebook in a new window" href="https://www.facebook.com/VeriskAnalytics" aria-label="View Facebook in a new window" target="_blank" rel="noreferrer" tabindex="0"> <img src="/4954e7/siteassets/icons/vds-icons/facebook-icon2.svg" alt="Facebook" id="block-69197" width="30" height="30" /> </a> <a title="View Twitter in a new window" href="https://twitter.com/verisk" aria-label="View Twitter in a new window" target="_blank" rel="noreferrer" tabindex="0"> <img src="/4a26bd/globalassets/svgs/x-logo.svg" alt="X Logo " id="block-69193" width="30" height="30" /> </a> <a title="View Youtube in a new window" href="https://www.youtube.com/c/Verisk_VRSK/" aria-label="View Youtube in a new window" target="_blank" rel="noreferrer" tabindex="0"> <img src="/4952b6/siteassets/icons/vds-icons/youtube-icon2.svg" alt="Youtube Icon " id="block-69199" width="30" height="30" /> </a> </div> </div> </div> </div> <div class="footer-footer-wrapper"> <div class="footer-footer-content-wrapper"> <div class="footer-footer-logo"> <img alt="Verisk Footer Left " src="/4ad690/contentassets/87d1b64b5c9a48f09ef33019baa650d3/verisk-footer-left.png" /> <div> </div> </div> <div class="footer-footer-content"> <div class="footer-footer-links"> <a class="nav-link" href="/privacy-policies/" title="Privacy Notices" target="_blank" rel="noreferrer">Privacy Notices</a> <a class="nav-link" href="/privacy-policies/verisk-analytics-website-conditions-of-use/" title="Conditions of Use" target="_blank" rel="noreferrer">Conditions of Use</a> <a class="nav-link" href="" title="Cookie Preferences" target="_self" rel="">Cookie Preferences</a> </div> <div class="footer-footer-copyright"> © 2008, 2025 Verisk Analytics, Inc. All rights reserved. </div> <div class="footer-footer-copyright"> <p><span>USA: </span><strong><a href="tel:1-800-888-4476">1-800-888-4476</a></strong><span> Global: </span><strong><a href="tel:800 48977489">+ 800 48977489</a></strong></p> </div> </div> <div class="footer-footer-logo"> <img alt="Verisk Analytics Logo Right " src="/49600d/contentassets/87d1b64b5c9a48f09ef33019baa650d3/verisk-analytics-logo-right.png" /> <div> </div> </div> </div> </div> </div> </div> </footer> <script src="/dist/sites/Verisk/main.js?v=p36DPdAoycDkAh1-lBRow7Yk-3vAzqF_ULtPehhoFeo"></script> <script src="/ClientResources/scripts/vendor/kaltura.js?v=bMudku8U3niS50IANzLaF0n_rWgHPA7W1NRfIIZgbW0"></script> <script type="text/javascript"> const cookiePreferencesModal = document.querySelector('[title="Cookie Preferences"]'); if (cookiePreferencesModal ) { cookiePreferencesModal.classList.add('optanon-toggle-display'); cookiePreferencesModal.setAttribute('href', '#onetrust-pc-btn-handler'); } </script> <script type="text/javascript"> /*function OptanonWrapper() { var OABCcookieName = "OptanonAlertBoxClosed"; var bannerAcceptBtn = document.getElementById("onetrust-accept-btn-handler"); var bannerRejectBtn = document.getElementsByClassName("ot-pc-refuse-all-handler")[0]; var pcAllowAllBtn = document.getElementById("accept-recommended-btn-handler"); var pcSaveBtn = document.getElementsByClassName("save-preference-btn-handler onetrust-close-btn-handler")[0]; // IF logic needed here because ot-banner-sdk DIV is not injected on page loads if banner is not exposed if (bannerAcceptBtn) { bannerAcceptBtn.addEventListener('click', function() { location.reload(); }); } if (bannerRejectBtn) { bannerRejectBtn.addEventListener('click', function() { location.reload(); }); } if (pcAllowAllBtn) pcAllowAllBtn.addEventListener('click', function() { location.reload(); }); if(pcSaveBtn){ pcSaveBtn.addEventListener('click', function() { setTimeout(()=> { location.reload(); }, 1000) //quick timeout so that the consent receipt can be sent and the cookie can be updated }); } }*/ </script> <script type="text/javascript"> function OptanonWrapper() { if (OptanonActiveGroups.match(/,C0003,/)) { var chatNow = document.querySelector('.contact-live-chat'); if(chatNow) { chatNow.setAttribute('id', 'liveagent_button_online_573300000005Kpp'); chatNow.setAttribute('onclick', "liveagent.startChat('573300000005Kpp')"); chatNow.setAttribute('href', "javascript://Chat"); } var chatNowScript = document.createElement('script'); chatNowScript.setAttribute('src','https://c.la1-c2-phx.salesforceliveagent.com/content/g/js/36.0/deployment.js'); chatNowScript.onload = function() { if (!window._laq) {window._laq = []; } window._laq.push(function() { liveagent.showWhenOnline('573300000005Kpp', document.getElementById('liveagent_button_online_573300000005Kpp')); liveagent.showWhenOffline('573300000005Kpp', document.getElementById('liveagent_button_offline_573300000005Kpp')); }); liveagent.init('https://d.la1-c2-phx.salesforceliveagent.com/chat', '572300000005KiM', '00D300000001Oe1'); } if(document.querySelectorAll("[id^=liveagent_button_online]").length > 0) { document.body.insertAdjacentElement('beforeend', chatNowScript); } } else { var chatNow = document.querySelector('.contact-live-chat').style = "display:none"; } } </script> </div> <script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=17&cb=1983407845" async></script></body> </html>