Insurance

Moody's advanced insurance solutions include Environmental, Social, and Governance (ESG) factors to provide a comprehensive perspective of pivotal risks and ESG underwriting and portfolio analysis based on the Partnership for Carbon Accounting (PCAF) standards. 

We assess ESG risks and carbon emissions by combining public and private company data, indicators, and scores using a specialized framework and cloud-native technology. 

Our solutions enable portfolio managers, underwriters, and sustainability officers to overcome the practical challenges of incorporating ESG underwriting and sustainability assessment and enable compliance with reporting standards. 

Insurers use our platform to integrate their own view of ESG risk into their workflows and processes and to stay ahead in an evolving market.

Moody’s climate-conditioned catastrophe models, global climate risk quantification, and climate scenario generators provide near- and long-term risk outlooks for climate change risk for both underwriting exposure and assets under management. 

Our comprehensive models and scenarios enable insurers to improve risk selection, incorporate new insights into their views of risk, and optimize both assets and liabilities.

Insurers use our models to understand, evaluate, and manage climate change risk in multiple regions. We model potential disruptive events, calculate the probability of occurrence, and assess the associated losses.

Moody's market-leading data solutions help insurers, reinsurers, and brokers to gain a  differentiated, real-time understanding of exposure risks and extensive public and private entity business risks to reduce frictional expense and build consistency across their businesses.

With our data solutions, we can:

• Provide global entity coverage of more than 450 million public, private, and government entities and firmographic data for 65+ million business locations
  
  

• Deliver catastrophe information for every major peril and geography, with minimal technical overhead or latency
  
  

• Apply the same insights to analytics across underwriting, capital management, and reinsurance for full consistency without the latency required by manual processes
  
  

• Integrate seamlessly into existing processes, providing insurers with extensive data coverage and powerful analytics
   

• Inform third-party relationships and economic trends

We enable insurers to quickly access core credit information or explore a full suite of credit ratings and research from Moody’s Ratings. Insurers can also gain valuable insights into critical insurance topics and sectors, enhancing their understanding of relevant trends and drivers that shape credit quality.

By leveraging Moody's market and economic indicators, we provide timely alerts for credit deterioration and rating transitions tailored to the insurance industry. We extend direct global access to our analysts, ensuring expert support for insurers.

Moody's extensive scenario modeling expertise and deep domain knowledge of the insurance market help insurers with their modeling requirements in many areas, such as:

• Assessing the financial impact of climate change
  
  

• Determining group-wide economic and regulatory capital requirements
  
  

• Developing capital management strategies
  
  

• Pricing complex embedded guarantees and options
   

These capabilities are fully transparent, integrated with our AXIS actuarial system, and supported by a range of content services.  

Our scenario modeling framework ensures that clients can maintain consistent assumptions, aligned with current market prices, and extend them to cover all economies, risk factors, asset classes, and time horizons relevant to their assets, liabilities, and planning horizon.