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alt="Verisk Logo" 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 "> <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 "> <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 "> <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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origins and applications of original loss curves </h1> <div class="score-hero-body"> <!-- XhtmlString.cshtml Display Template Start --> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> </div> <section class="[ grid__item grid__item__full ] [ full-bleed ] yin-yang " id="block-77611"> <div class="yin-yang__container"> <div class="bg-default six-col yin"> <div class="yin__title-container"> <H3 class="yin__title"> Do you know how to use original loss curves in property/casualty insurance? </H3> </div> <div class="yin__content-container"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-77613"> <!-- XhtmlString.cshtml Display Template Start --> <p>Original loss curves, such as exposure curves, increased limit factors (ILFs), and excess of loss scales, are extremely useful for both property and casualty businesses. They provide consistent internal pricing and can be very helpful in the absence of historical claims experience, or when data is sparse, irrelevant, or not credible.</p> <p>In this whitepaper, Shani Clarke, actuarial consultant at Verisk Europe, discusses the origins and applications of original loss curves, looking at specific examples for property and casualty insurance.</p> <p>The paper provides London Market re/insurers and actuaries with valuable insight into how original loss curves can be used to help structure complex insurance and reinsurance structures and provide an effective benchmark to help estimate loss for each individual layer.</p> <p><a href="/4a7d96/siteassets/media/downloads/demystifying-the-origins-and-applications-of-original-loss-curves-.pdf" title="Download the whitepaper" class="score-button verisk-button primary default lg">Download the whitepaper</a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> <div class="bg-gray six-col yang"> <div class="yang__title-container"> <H3 class="yang__title"> Contact </H3> </div> <div class="yang__content-container"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-77614"> <!-- XhtmlString.cshtml Display Template Start --> <p>If you would like to discuss market curves available through Verisk or the Lloyd’s ISO Portal, please get in touch with Shani at <a href="mailto:shani.clarke@verisk.com" title="shani.clarke@verisk.com">shani.clarke@verisk.com</a> or contact Nutan Rajguru, head of analytics at Verisk Europe, at <a href="mailto:nutan.rajguru@verisk.com" title="nutan.rajguru@verisk.com">nutan.rajguru@verisk.com</a></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> </div> </section> <footer class="[ grid__item grid__item__full ] [ full-bleed ]"> <div class="footer-wrapper"> <div class="footer-curve"> <div class="footer-image" style="background-image: 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