Case Study: a leading global P&C insurer achieves better cyber risk pricing and a 20%-25% reduction in loss costs with Moody's Analytics cyber models

Leading Global P&C Insurer Delivers Cyber Risk Assessment at High Resolution

The customer, a leading global P&C insurer, sought to enhance its cyber risk strategy to improve risk selection and pricing. Their challenge was incomplete exposure data and the inability to reliably model aggregated reinsurance books. To address this, they worked with Moody's Analytics to integrate Moody’s RMS cyber models.

Moody's Analytics implemented a solution that included a targeted training program and the use of its cyber model applications. Their tools enriched the customer's data and disaggregated reinsurance portfolios, creating a single, high-resolution view of risk. This integration led to a 20%–25% reduction in gross loss costs across all return periods, improved underwriting profit, and a stronger overall portfolio composition.