Stay inside your own limits
Accumulation control is the everyday discipline of exposure management: knowing, while you underwrite, how much you already have in a place and how close that is to what you are willing to hold.
- Live accumulations by zone, peril and client
- Limits and appetite
- Drill-down to the location
Know what a zone holds before you bind.
Photo: NASA
of appetite already used in one coastal zone.
An underwriter is about to bind a risk in a coastal zone. What does that zone already hold?
Accumulation control is the everyday discipline of exposure management: knowing, while you underwrite, how much you already have in a place and how close that is to what you are willing to hold.
Every location and client already written there.
Its total insured value, on top.
The appetite set for the zone and the peril.
Try the next risk against the zone it lands in.
Pick a zone and a total insured value. The bar shows what the zone already holds, what this risk adds and where that sits against the appetite set for the zone. Values are illustrative.
97% of appetite, 20 USD m of headroom
Illustrative: fictional zones, values and appetite
Appetite and thresholds configured.
Accumulations monitored as business is written.
Zones nearing a limit highlighted.
Underwriting decisions made with the view in front of you.
The step that applies changes as the risk moves the zone towards, then past, its limit.
A total, and the points that make it up.
How much
The Policy tab shows the schedule with its total insured value, summed as business is added.
ExposureHUB demo environment · Policy tab · 1,000 demo items, mostly at Zip level
Run instant exposure checks and analyse portfolio trends across geographies, lines and clients.
Geographic exposure distribution on an interactive map, so accumulation areas are visible at a glance.
Start with the whole portfolio and go down to the location, client or class that matters.
From the Insight Module, as described on the ExposureHub page on ebixrisk.com.
Underwriters can expect to change what they do at the desk.
ExposureHub brochure, Ebix Europe
Improve risk selection, thereby increasing your return on capital
Identify under-exposed areas of the portfolio and target opportunities for growth
Ensure any underwriting guidelines are adhered to
Create and maintain a more diverse and balanced book of business
Modules behind it, and the next job.
Put accumulation control to work.
Book a walk-through built around your own classes of business and the questions your team asks of the book.