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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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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 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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 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<section class="breadcrumb-wrapper over-dark"> <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 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Template End --> </div> </div> </div> </div> </div> </div> <div class="[ grid__item grid__item__full ] [ full-bleed ]"> <section style="" class="section-hero-block-container no-bg-image-on-mobile bg- circular-image"> <div class="container justify-center"> <div class="w-full"> <div class="content-area"> <div class="section-hero-block"> <div class="page-layout w-8col"> <div class="score-section-hero"> <H2 class=""> In 2024, NGM became Verisk’s default view of risk for catastrophe modeling in Touchstone. </H2> <div class="score-hero-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action"> <a href="/en-gb/company/newsroom/verisk-pioneers-new-approach-to-catastrophe-risk-with-release-of-next-generation-models/" target="_self" class="score-button verisk-button primary primary-gold md" title="Read the press release" > <div class="inner-content-wrapper"> <span class="button-title">Read the press release<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-4col"> <div class="score-section-hero"> <H2 class=""> In 2024, NGM became Verisk’s default view of risk for catastrophe modeling in Touchstone. </H2> </div> <img src="/49f0d9/contentassets/ff07c43f8b11476aa0ba7d8099014a6d/gettyimages-551986071-974x730-c86d5f0.jpg/_croppings/gray-scarf-round.jpg" alt="Gettyimages 551986071 974x730 C86d5f0 " loading="lazy" class="score-image "> </div> </div> </div> </div> </div> </section> </div> <div class="[ grid__item grid__item__full ] [ full-bleed ]"> <section style="" class="section-hero-block-container no-bg-image-on-mobile media-left bg- bg-secondary-blue circular-image"> <div class="container justify-center"> <div class="w-full"> <div class="content-area"> <div class="section-hero-block"> <div class="page-layout w-9col"> <div class="score-section-hero"> <div class="score-hero-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> <p>Verisk’s Next Generation Models (NGM) improve the accuracy and flexibility of modeling complex business workflows and provide fully probabilistic financial modeling at all levels. They also enhance financial terms and contract setup, model and capture all insurance coverage and geospatial dependencies in loss accumulation and provide a more complete view of tail risk.</p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> <div class="page-layout image-wrapper w-3col"> <div class="score-section-hero"> </div> <img src="/49f12b/contentassets/eb89500da6fd4b368a1976b668b2c8e7/ngm-2.jpg/_croppings/gray-scarf-round.jpg" alt="Ngm 2 " loading="lazy" class="score-image "> </div> </div> </div> </div> </div> </section> </div> <div class="[ grid__item grid__item__full ] [ full-bleed ]"> <div class="carousel default bg-gray " data-circular="false"> <div class=""></div> <H2 class="carousel__title"> NGM Knowledge Center </H2> <div class="carousel__copy body-2"> <!-- XhtmlString.cshtml Display Template Start --> <p>Verisk's Next Generation Models are developed by our in-house experts driving discovery and innovation. Learn more about how NGM is impacting catastrophe modeling. </p> <!-- XhtmlString.cshtml Display Template End --> </div> <div class="carousel__swiper"> <div class="swiper"> <div class="swiper-wrapper"> <div class="swiper-slide"> <div class="score-card primary horizontal standard featured" id="block-82053"> <div class="image-wrapper"> <a href="/4a1423/siteassets/extreme-event-solutions/verisks-next-generation-models.pdf" aria-label="Verisk's Next Generation Models (NGM)" target="blank"> <img src="/4ada28/siteassets/z_temp/teaser-placeholder-v1.png/_croppings/document-file-standard-card.png" loading="lazy" class="score-image img-fluid" alt="Teaser Placeholder V1 "> </a> </div> <div class="caption"> <p class="article-tag">Brochure</p> <a href="/4a1423/siteassets/extreme-event-solutions/verisks-next-generation-models.pdf" alt="Verisk's Next Generation Models (NGM)" target="blank"> <H4 class="card__title"> Verisk's Next Generation Models (NGM) </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> <p>Catastrophe models are being relied upon to help companies evaluate different <br />types of risks—from underwriting single locations to performing enterprise risk <br />management on distributed global portfolios.</p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Download the brochure" class="score-button verisk-button score-button verisk-button tertiary lg" href="/4a1423/siteassets/extreme-event-solutions/verisks-next-generation-models.pdf" rel="noreferrer" target="blank"><div class="inner-content-wrapper"><span class="button-title">Download the brochure<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 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<!-- 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 the article" class="score-button verisk-button score-button verisk-button tertiary lg" href="/en-gb/blog/next-generation-modelling-for-direct-facultative-and-treaty-lines/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Read the article<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> <div class="swiper-slide"> <div class="score-card primary horizontal standard featured" id=""> <div class="image-wrapper"> <a href="/en-gb/blog/next-generation-financial-modelling-for-commercial-lines/" aria-label="Next Generation Financial Modeling for Commercial Lines" target="_self"> <img src="/4950d9/contentassets/6e13e2542b1248c6b4c5360b07c4287c/commercial.jpg" loading="lazy" class="score-image img-fluid" alt="Commercial"> </a> </div> <div class="caption"> <p class="article-tag">Article</p> <a href="/en-gb/blog/next-generation-financial-modelling-for-commercial-lines/" alt="Next Generation Financial Modeling for Commercial Lines" target="_self"> <H4 class="card__title"> Next Generation Financial Modeling for Commercial Lines </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> Learn about the propagation of uncertainty to commercial lines—loss accumulation and complex (re)insurance structures. <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Read the article" class="score-button verisk-button score-button verisk-button tertiary lg" href="/en-gb/blog/next-generation-financial-modelling-for-commercial-lines/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Read the article<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> <div class="swiper-slide"> <div class="score-card primary horizontal standard featured" id=""> <div class="image-wrapper"> <a href="/en-gb/blog/next-generation-modelling-loss-accumulation/" aria-label="Next Generation Modeling: Loss Accumulation" target="_self"> <img src="/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">Article</p> <a href="/en-gb/blog/next-generation-modelling-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 the article" class="score-button verisk-button score-button verisk-button tertiary lg" href="/en-gb/blog/next-generation-modelling-loss-accumulation/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Read the article<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> <div class="swiper-slide"> <div class="score-card primary horizontal standard featured" id=""> <div class="image-wrapper"> <a href="/en-gb/blog/next-generation-financial-modelling-for-residential-and-small-business-lines/" aria-label="Next Generation Financial Modeling for Residential and Small Business Lines" target="_self"> <img src="/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">Article</p> <a href="/en-gb/blog/next-generation-financial-modelling-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 the article" class="score-button verisk-button score-button verisk-button 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</a> </div> <div class="caption"> <p class="article-tag">Article</p> <a href="/en-gb/blog/modeling-fundamentals-understanding-uncertainty/" alt="Modeling Fundamentals: Understanding Uncertainty" target="_self"> <H4 class="card__title"> Modeling Fundamentals: Understanding Uncertainty </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> In this article, Dr. Jayanta Guin, AIR Chief Research Officer, introduces some key concepts and answers the fundamental questions: What is uncertainty, where does it come from, and how is it treated in models? <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Read the article" class="score-button verisk-button score-button verisk-button tertiary lg" href="/en-gb/blog/modeling-fundamentals-understanding-uncertainty/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Read the article<span 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aria-disabled="false" aria-label="Next Slide" class="score-button verisk-button false default secondary md swiper-button-next" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title"><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 class="swiper-scrollbar"></div> </div> </div> <div class=""></div> </div> </div> <div class="plank [ grid__item grid__item__full ] [ full-bleed ] plank--full bg-transparent plank__with-right-component" id="block-82105"> <div class="plank__container"> <div class="column-left"> <div class="plank__title-container"> <H2 class="plank__title"> Research publications </H2> </div> <div class="plank__content-container"> <div class="[ grid__item grid__item__full ]"> <div class="rich-text default content-spot " id="block-82107"> <!-- XhtmlString.cshtml Display Template Start --> <p>Read more about how Verisk's Extreme Event Solutions experts continue to contribute to the groundbreaking work of NGM in the catastrophe modeling industry.</p> <p><img src="/49ef89/contentassets/dee9e2a4589d4563b8184a074325d5ba/ngm-research.jpg" width="750" height="500" alt="NGM Research"></p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> </div> <div class="column-right"> <div class="quick-links-block bg-secondary-gold" id="block-82108"> <h4>Research Publications</h4> <div class="quick-links-list"> <ul> <li> <a href="https://www.mdpi.com/2227-9091/10/8/144" target="_blank"> Bivariate Copula Trees for Gross Loss Aggregation with Positively Dependent Risks </a> </li> <li> <a href="https://www.soa.org/globalassets/assets/files/resources/essays-monographs/2019-erm-symposium/mono-2019-erm-zvezdov.pdf" target="_blank"> Geospatial Metrics for Insurance Risk Concentration and Diversification </a> </li> <li> <a href="https://www.mdpi.com/2227-9091/7/2/54" target="_blank"> Direct and Hierarchical Models for Aggregating Spatially Dependent Catastrophe Risks </a> </li> <li> <a href="https://www.iaeng.org/publication/WCECS2016/WCECS2016_pp449-457.pdf" target="_blank"> Speeding up Risk Analyses of U.S. Flood Insurance Loss Data Using the Diffusion Map </a> </li> <li> <a href="https://www.soa.org/globalassets/assets/files/static-pages/research/arch/2017/arch-2017-iss1-guin-liu-wojcik.pdf" target="_blank"> Split-Atom Convolution for Probabilistic Aggregation of Catastrophe Losses </a> </li> <li> <a href="http://www.compstat2016.org/docs/COMPSTAT2016_proceedings.pdf?20160807205859" target="_blank"> Using Intraclass Correlation Coefficients to Quantify Spatial Variability of Catastrophe Model Errors </a> </li> </ul> </div> </div> </div> </div> </div> <div class="[ grid__item grid__item__full ] [ full-bleed ]"> 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class="section-header justify-center"> <H2 class=""> Do more with the Verisk ecosystem </H2> <div class="subtitle rich-text justify-center"> <!-- XhtmlString.cshtml Display Template Start --> <p>Learn more about the Verisk solutions that are adapting NGM. </p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="content-area justify-center"> <div class="card-container stripe-card-column"> <div class="score-card primary horizontal standard featured" id=""> <div class="image-wrapper"> <a href="/en-gb/products/touchstone/" aria-label="The enterprise risk modeling platform" target="_self"> <img src="/4a41ac/contentassets/8d14b8596e7e400fb751dd8605855aee/happy-person-at-home-using-laptop.jpg/_croppings/product-detail-page-standard-card.jpg" loading="lazy" class="score-image img-fluid" alt="Happy Person At Home Using Laptop "> </a> </div> <div class="caption"> <a href="/en-gb/products/touchstone/" alt="The enterprise risk modeling platform" target="_self"> <H4 class="card__title"> The enterprise risk modeling platform </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> <p>Understand your estimated exposure to loss from extreme events today—and in the future.</p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Learn about Touchstone" class="score-button verisk-button score-button verisk-button tertiary lg" href="/en-gb/products/touchstone/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Learn about Touchstone<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> <div class="card-container stripe-card-column"> <div class="score-card primary horizontal standard featured" id=""> <div class="image-wrapper"> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/risk-models/" aria-label="Cutting-edge models that quantify risks" target="_self"> <img src="/4937bb/contentassets/d71472fdbd0a4de09f239c188933db52/two-men-reviewing-chart-data.jpg/_croppings/generic-full-width-page-standard-card.jpg" loading="lazy" class="score-image img-fluid" alt="Two Men Reviewing Chart Data "> </a> </div> <div class="caption"> <a href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/risk-models/" alt="Cutting-edge models that quantify risks" target="_self"> <H4 class="card__title"> Cutting-edge models that quantify risks </H4> </a> <div class="score-card-body"> <div class="rich-text"> <!-- XhtmlString.cshtml Display Template Start --> <p>Anticipate and plan for even unprecedented climate and geopolitical risks. </p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> <div class="score-call-to-action" > <a aria-label="Learn more about Extreme Event Risk Models" class="score-button verisk-button score-button verisk-button tertiary lg" href="/en-gb/solutions/reinsurance-specialty-markets/extreme-event-risk/risk-models/" rel="noreferrer" target="_self"><div class="inner-content-wrapper"><span class="button-title">Learn more about Extreme Event Risk Models<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> </div> </div> </div> <div class=""></div> <div class="blog-pagination"> </div> </section> </div> <div class="[ grid__item grid__item__full ] [ full-bleed ] " id="contact"> <section class="score-stripe flexible-stripe no-bg-image-on-mobile bg-default " style="" data-epi-type="content"> <div class=""></div> <div class="container justify-center"> <div class="w-full"> <div class="content-area justify-center"><div class=" w-6col"> <div class="[ grid__item grid__item__full ]"> <section class="score-icon-list-block " id="block-82445"> <div class="container"> <div class="w-full"> <div class="section-header"> <H2 class=""> Contact us to learn more </H2> <!-- XhtmlString.cshtml Display Template Start --> <p>Telephone support is available at the following offices, please call your local provider at one of the listed numbers below:</p> <!-- XhtmlString.cshtml Display Template End --> </div> <div class="content-area"><div class="icon-list-column "> <div class="score-card over-light icon-list "> <div class="image-wrapper"> <img src="/49fb22/contentassets/0de4eb79a5014a439edcdaf195e940f0/hand-phone-ec7a5889.svg" class="score-image img-fluid" alt="Hand Phone Ec7a5889 " /> </div> <div class="caption"> <H5 class="card__title"> Support numbers: </H5> <div class="score-card-body"> <div class="rich-text"> <div> <!-- XhtmlString.cshtml Display Template Start --> <p>Boston +1 6172676645</p> <p>London: +44 (0)20 37640300</p> <p>Munich: +49 (0)89 2323735 0</p> <p>Hyderabad: +91 40 66002266</p> <p>Beijing: +86 10 5965 2780</p> <p>Singapore: +65 6249 0770</p> <p>Tokyo: +81 (0)3 6551 2840</p> <!-- XhtmlString.cshtml Display Template End --> </div> </div> </div> <div class="score-call-to-action"> </div> </div> </div> </div></div> </div> </div> </section> </div> </div><div class=" w-6col"> <form method="post" novalidate="novalidate" data-f-metadata="" enctype="multipart/form-data" class="EPiServerForms ValidationSuccess bg-gray expanded-form" data-f-type="form" id="67ab2f8d-5827-4b91-8433-7b462cfdeba8"> <script type="text/javascript"> // This view acts as a rendering template to render InitScript(and server-side Form's descriptor) in FormContainerBlock's 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data-f-datainput>Cuba</option> <option value="CY" data-f-datainput>Cyprus</option> <option value="CZ" data-f-datainput>Czech Republic</option> <option value="DK" data-f-datainput>Denmark</option> <option value="DJ" data-f-datainput>Djibouti</option> <option value="DM" data-f-datainput>Dominica</option> <option value="DO" data-f-datainput>Dominican Republic</option> <option value="EC" data-f-datainput>Ecuador</option> <option value="EG" data-f-datainput>Egypt</option> <option value="SV" data-f-datainput>El Salvador</option> <option value="GQ" data-f-datainput>Equatorial Guinea</option> <option value="ER" data-f-datainput>Eritrea</option> <option value="EE" data-f-datainput>Estonia</option> <option value="ET" data-f-datainput>Ethiopia</option> <option value="FK" data-f-datainput>Falkland Islands</option> <option value="FO" data-f-datainput>Faroe Islands</option> <option value="FJ" data-f-datainput>Fiji</option> <option value="FI" data-f-datainput>Finland</option> <option value="FR" data-f-datainput>France</option> <option value="GF" data-f-datainput>French Guiana</option> <option value="PF" data-f-datainput>French Polynesia</option> <option value="TF" data-f-datainput>French Southern Terr.</option> <option value="GA" data-f-datainput>Gabon</option> <option value="GM" data-f-datainput>Gambia</option> <option value="GE" data-f-datainput>Georgia</option> <option value="DE" data-f-datainput>Germany</option> <option value="GH" data-f-datainput>Ghana</option> <option value="GI" data-f-datainput>Gibraltar</option> <option value="GR" data-f-datainput>Greece</option> <option value="GL" data-f-datainput>Greenland</option> <option value="GD" data-f-datainput>Grenada</option> <option value="GP" data-f-datainput>Guadeloupe</option> <option value="GU" data-f-datainput>Guam</option> <option value="GT" data-f-datainput>Guatemala</option> <option value="GN" data-f-datainput>Guinea</option> <option value="GW" data-f-datainput>Guinea-Bissau</option> <option value="GY" 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