Exposure Management
Act fast with real-time exposure insights
Quickly | Intelligently | Accurately
Access the latest insights into portfolio drivers with AdvantageGo’s exposure management software, so you can stay up-to-date on portfolio exposure and align optimal risk selection with risk appetite.
A single platform for (re)insurance exposure management
Make fast, accurate underwriting decisions
Replicate contract T&Cs across any financial dimension. Increase the speed and accuracy of underwriting decisions, align to underwriting capacity and support decision-making with geographical visualisations and representative hazard information.
Manage your global direct or reinsurance asset portfolio
Drive portfolio assessment through risk-level marginal impact and steer your portfolio in line with the organisational risk exposure appetite. Manage complex risks in real-time, over multiple P&C lines and across financial net/gross positions with detail and accuracy. Undertake scenario modelling and footprints to validate your portfolio’s resilience to specific perils and to monitor exposure hotspots.
Respond to hazard events as they happen
View event footprints and identify risks affected by single or correlated hazard events with real-time exposure calculations, differential PMLs for a prescriptive and predictive analysis of exposure concentration.
See treaty reinsurance at scale
Accurately visualise your global treaty portfolio of billions of locations in real-time, at any financial dimension and over thousands of cedents. Overlay footprints and run exposure scenarios.
(Re)insurers rely on our exposure management software at scale
750,000+
policies processed per year.
>60 million
calculations to date.
1 billion
insured assets.
Features
Underwriter view
Support smarter underwriting decisions and risk selection by reviewing risks pre-bind. Combine policy and location summaries, peril scores and hazard layers with your own scenario-driven exposure analysis, and visualise potential clash – all measured against your portfolio risk appetite thresholds to give a comprehensive view of your exposure.
Net exposure evaluation
Assess the impact of new quotes on any aggregation scenarios by performing marginal impact analysis with our market-leading risk aggregation engine, and see how your existing portfolio is affected.
360° view of risk
Identify and visualise peak accumulations in your portfolio with our proximity exposure algorithm. Check on your insured locations in real time using our integrated GIS view.
3rd party data integration
Integrate with multiple sources of peril, location and company information to consolidate and interrogate data points in our single platform. Optimise underwriting decisions using hazard overlays and risk scores.
Customisable persona-driven analytics
Communicate accumulation information seamlessly across the business with our customisable risk dashboards and flexible ad-hoc reporting. Calculate potential exposure for real-time events and track developments as they happen with shape file exposure analysis.
Detailed portfolio assessment
Identify hotspots and assess each cedent’s portfolio in granular detail with map visualisations, year-on-year comparisons and peer-to-peer benchmarking.
Experts you can rely on
Future-proof your transformation investment with our proven technology and the commercial insurance expertise we’ve developed working with leading carriers across multiple lines of business for more than 30 years. AdvantageGo is built on customer success and backed by continuous investment from our parent company, Sapiens.
>1/4 use AdvantageGo
More than a quarter of Lloyd’s syndicates trust AdvantageGo software.
30+ Years
We have over 30 years of commercial insurance experience.
£500+ Billion
We support insurers underwriting a combined GWP of over £500 billion.
A new standard in Exposure Management
The Hartford went live with Exact and currently use the system across their global property and marine lines, including Political Violence & Terrorism, Inland Marine and Onshore & Offshore Energy.
Easy configuration for your multi-line P&C (specialty) business
Cyber
Be ready to move fast with the cyber templates and data connections in our underwriting workbench capability.
Property
AdvantageGo enables you to improve risk selection and portfolio strategy for property underwriting and exposure management.
Energy
All systems go with the energy templates and data connections in our underwriting workbench and exposure management capabilities.
Marine
Make ready for an integrated flow of information to support marine cargo, vessel, fleet, liability, and insights for builders and owners.
Terrorism
Differential PML concentric circles, polygons that represent typical Realistic Disaster Scenario explosive patterns.
Aviation
Our underwriting workbench delivers an integrated flow of information to support cargo, hull, fleet, liability and ground aviation insight.
General Liability
Our underwriting workbench creates an integrated flow of information supporting property damage and body/personal injury underwriting insight.
Political Risk
Our workbench creates a flow of information to support regulations, war, civil unrest, terrorism, embargoes, sanctions and climate insight.
Trade Credit
Our workbench creates an integrated flow of information supporting customer financial health, credit history, industry and market conditions.
Capture and report aggregate accumulations across multi-line P&C.
View all financial positions that align to the T&C’s of the contract and represent the incurring structures, for an accurate perspective of asset and risk to portfolio level.
Our ‘out of the box’ renewables data model records onshore and offshore wind farms, solar farms, wave/tidal plants, substations or any other structure or property related to a renewables policy.
Populate your schedule data quickly with manual or automated lookups against our industry database. Check exposure on any recorded characteristics, inspect linked assets and assess risk for contingent business interruption losses.
Connected specialisms is what I preach. So here at AXA, we have our AdGo user interface trading product workbench, but it’s connected to WTW’s Radar Live for pricing sophistication and other providers for the likes of geocoding. What you have is an underwriting ecosystem of really top-end solutions.
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David Ovenden
CUO
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Press release
Underwriting
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Kier James
CUO
Our exposure partners
Leading technology providers in the AdvantageGo Ecosystem currently include:
AdvantageGo’s Underwriting Workbench platform integrates with Combined Ratio’s IMPACT product suite to provide access to fresh insights for (re)insurance carriers with limited CRM data on their assureds and/or brokers. The integration of IMPACT Engage and Underwriting Workbench allows clients to drive underwriting efficiencies, while keeping value on the agent and broker relationship.
This alliance provides client opportunities that will enable the AdvantageGo Underwriting Workbench to give greater insight and analytical capability, for example to provide additional opportunities to cross-sell to assureds, maximize underwriter’s efforts with high value activities and foster deeper relationships with intermediaries.
CyberCube harnesses the power of AI to enhance its team, allowing (re)insurers to make informed decisions about managing and transferring cyber risks. CyberCube unpacks complex cyber threats into clear, actionable strategies.
CyberCube offers cyber underwriters unparalleled data, analytics and modelling capabilities, including pricing and benchmarking, portfolio scoring, assessing marginal risks, and faster risk selection, from SMEs to large corporates. Together CyberCube and AdvantageGo provide data and analytics to improve underwriting insight.
FortifyData is an integrated cyber risk management platform that enables the enterprise to manage threat exposure across the Organisations. By combining automated attack surface assessments with asset classification, risk-based vulnerability management, security ratings and third-party risk management, you get an all-in-one cyber risk management platform.
This partnership layers ecosystem data providers offered through the cyber-specific edition of AdvantageGo’s Underwriting Workbench, specifically meeting the needs of cyber underwriters. Clients benefit from cyber security ratings which are a best-of-breed insight for risk selection, pricing, as well as security and compliance control deficiencies.
Insurants is a leading document processing solution, designed to revolutionise the commercial insurance industry by automating and streamlining key processes throughout the policy lifecycle. Built on advanced AI, GenAI and machine learning technologies, Insurants delivers operational efficiency and accuracy, enabling insurance companies to better serve clients, govern risk exposure, optimise capital and remove manual processes.
By integrating Insurants capabilities into the AdvantageGo Underwriting Workbench, organisations can optimise workflows, boost efficiency, and deliver superior client outcomes.
mea intelligently deploys technology, including AI, to quickly solve problems for (re)insurers, brokers and MGAs. mea’s software automatically extracts risk data from submission documents without any need for AI training or implementation effort, offering an instant solution and immediate value.
mea automates critical activities, boosting productivity, protecting combined ratios and margins. This alliance provides clients with the ability to access new data and insights and fresh capabilities faster.
Ping’s AI-powered, data-driven insights tailored for the property (re)insurance industry, leverage its proprietary global exposure technology. Unstructured property submissions, such as SOVs and ACORD forms, are rapidly ingested in just minutes, allowing seamless integration into customer systems.
Exposure intelligence is enhanced by enriching property data across various lines, including Property, Terrorism, Realty, and Builders’ Risk. API-enabled capabilities are designed to streamline insurance workflows and integrate smoothly with existing underwriting and broking ecosystems. With Ping and AdvantageGo insurers can enjoy greater efficiency, freeing up time and resources to work on something more meaningful.
Relativity6 addresses incorrect or out-of-date industry classification rating data and flagging of hazardous industries which allows underwriters to make key rating decisions on up-to-date classifications, using 6-digit NAICS, and other widely utilised class codes.
The cyber line-of-business will present scoring of business classification through AdvantageGo’s Underwriting Workbench, underwriters can use Relativity6 to instantly determine if a submission is within risk appetite, triage risks effectively, and price policies more accurately.
Swiss Re Reinsurance Solutions offers a powerful suite of tools and services spanning the entire insurance value chain.
From our bespoke consulting to leading software solutions as well as advanced data and insight capabilities, we are here to help our client’s to be efficient and stay competitive as the industry landscape changes.
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