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Commercial Lines

We help commercial lines insurers to grow their top line, to improve their profitability and to reduce their costs across their underwriting, distribution and claims processes.

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We work with commercial lines insurers towards a business future in which data- and analytics-led business performance improvements support organisational cohesion, flexibility, agility, and granular understanding of risk to enable outperformance. A future in which insurers can deal quickly and efficiently with more routine risks, can deploy enhanced expert judgement for more complex risks, and can identify and react quickly to market opportunities.

Areas in which we support commercial insurers to improve and transform their businesses include:

Data sourcing and structuring

Overcoming data obstacles and generating valuable insights from data.

Active portfolio management

Enhancing understanding of product and portfolio performance.

Intelligent automation

Expanding digital underwriting footprints and making the most of scarce underwriting resources.

Decision support

Helping underwriters make complex judgments, confidently and at pace.

Pricing sophistication

Enabling insurers to deploy more accurate prices through the use of granular data.

Dynamic digital products

Enabling electronic trading of complex commercial products including developing machine-readable contracts.

Cultural change

Embedding data and analytics in the culture of the organisation.

Bi-products of these activities often include expanded digital distribution, expense reduction and product rationalisation.

Our established Best Practice Pricing and Underwriting Framework is central to our consulting approach. It incorporates more than 600 practical benchmarks developed from our extensive consulting experience. Coupling these insights with the concept of ‘connected specialisms’ within the technology environment provides insurers with a framework for their future ambition and a rich roadmap for their journey.

Our data strategy and analytics solutions ensure that our clients can execute quickly, whether at line of business, market segment, product, channel or individual customer level. Our specialist software products provide the tools and technical capabilities to make this happen.

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