The Data-powered insurer : unlocking the data premium at speed and scale

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<title>Data-powered insurer</title>
<subTitle>: unlocking the data premium at speed and scale</subTitle>
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<dateIssued>2022</dateIssued>
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<abstract displayLabel="Summary">Insurance companies have long relied on data to Price risk and adjudicate claims. In an increasingly dynamic (and volatile) market environment, the importance of data has only increased. The frequency and severity of extreme events have escalated, from climate change to globalized economic shocks, "social inflation" (rising litigation claims), and political unrest. Climate change is having a huge impact on coverage scope and underwriting assumptions. Using data, insurers not only have the opportunity to measure, report, and mitigate emissions from their own operations, but also do this for policyholders. They can understand and evaluate investment portfolios from an environment, social, governance (ESG) lens. All of this, would require requiring more sophisticated and comprehensive data models to understand and manage the impact of ESG factors on insurers' growth and profitability. Technological changes such as the advent of autonomous vehicles and connected health will require more efficient and effective use of data in order to allow these segments to grow profitably. These factors have made understanding, managing, and accurately pricing risk more critical than ever.</abstract>
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