案例研究
Location-Based Risk Intelligence for Insurance
它能带来什么Geographic risk becomes easier to connect and analyze across customers, assets, suppliers, policies, and external events.
An insurance company may insure thousands of properties, houses, factories, warehouses, offices, and other physical assets across different regions. Some of these locations may also be important parts of larger supply chains.
Natural disasters such as typhoons, floods, wildfires, and earthquakes can create significant risks for insurance companies. Climate-related changes can also influence the frequency or severity of certain hazards, making geographic exposure increasingly important to understand.
Turn policy addresses into connected geographic exposure
Normally, these locations may exist only as addresses inside different policies, databases, spreadsheets, or documents. Consilience can geocode these locations and connect them with the companies, policies, assets, suppliers, and risks they belong to.
For example, if a company operates a factory in a high earthquake-risk area, this geographic information can be directly connected to the company's underwriting information and overall risk profile.
Questions the insurer could ask when a regional event occurs
If a typhoon, flood, wildfire, earthquake, or other regional event occurs, the insurer could ask:
- “Which insured properties are located in the affected area?”
- “Which customers have factories within 50 km of this event?”
- “What is our total insured exposure in this region?”
- “Which policies may be affected?”
- “Which locations have previously experienced similar claims?”
- “Which company in the supply chain has the highest geographic exposure?”
Connect geographic risk across the insurance portfolio
Traditional underwriting already considers geographic risk, but Consilience can make this information easier to connect and analyze across customers, assets, suppliers, policies, and external events.