ExposureHUB is now available in the U.S. Read the announcement →

Steer the portfolio with the full picture

Exposure management supports both sides of reinsurance: understanding what you take in and what you buy to protect it. ExposureHUB supports inwards and outwards reinsurance programmes across multiple lines of business.

  • Inwards and outwards programmes
  • Portfolio mix
  • Scenario testing of the programme
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Gross, ceded and net on the same numbers.

A dense coastal city at night, photographed from orbitPhoto: NASA
Result · gross and net
ExposureHub Result tab: a hurricane swath over the US Gulf coast with the PML key and four policies
Illustrative
38%

of a USD 240m gross loss kept after the programme.

Understand what you take in, and what you buy to protect it.

ExposureHUB supports inwards and outwards reinsurance programmes across multiple lines of business, and complements the catastrophe models you already use.

Inwards

The portfolio you have written, by line and by client.

Outwards

The programme you buy against it.

Net

What stays with you after both.

One portfolio, gross to net

Make the event bigger. See what the programme does.

Exposure management supports both sides of reinsurance: what you take in, and what you buy to protect it. Here a fictional portfolio takes a loss, a 20% quota share applies first, then an excess-of-loss layer of 100 above 50. Values in USD m.
Gross loss
inwards: what you took in
240
Quota share, 20%
outwards: ceded first
−48
Excess of loss
outwards: 100 xs 50
−100
Net retained
what stays with you
92
Net as a share of gross
38%

Below 50 the layer does nothing; above 150 it is exhausted and every extra unit comes back to you. A scenario run against the programme shows where that happens for your real book.

Illustrative: fictional programme terms and values

Ground-up, gross and net, side by side.

The Result tab lists each policy with its total insured value, ground-up, gross and net. The walk above uses the same three columns for a fictional programme; here they are for the demo hurricane run.
Result · policies
ExposureHub Result tab: a hurricane swath over the US Gulf coast with the PML key and four policies
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2
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ExposureHUB demo environment · Result tab · demo policies, no reinsurance programme shown

Four things the platform is built to do for a programme.

Include inwards and outwards reinsurance programs

Both sides of the reinsurance picture in one platform, so gross and ceded exposure can be viewed together.

PORTFOLIOINWARDSOUTWARDS

Illustrative

Features and benefits, ExposureHub brochure, Ebix Europe. Diagrams are illustrative.

Where you are full, and where there is room.

Underwriters can expect to identify under-exposed areas of the portfolio and target opportunities for growth, and to create and maintain a more diverse and balanced book of business.
US Gulf & Southeast
Windstorm
near appetite
92% of appetite used8% headroom
California
Earthquake & wildfire
room to grow
41% of appetite used59% headroom
Japan
Earthquake
balanced
68% of appetite used32% headroom
North-West Europe
Flood & windstorm
room to grow
23% of appetite used77% headroom
South-East Asia
Typhoon & flood
balanced
77% of appetite used23% headroom
Australia East
Flood & cyclone
room to grow
35% of appetite used65% headroom

Illustrative: fictional fill levels. The regions are real; the exposure is not.

Modules behind it, and the next job.

Each solution is the platform's modules applied to one job. The next one picks up where this one ends.

Next: Accumulation control

Keep every zone inside appetite

Put reinsurance & portfolio steering to work.

Book a walk-through built around your own classes of business and the questions your team asks of the book.

Request a demoExplore the platform