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Non-weather risk suite

Transform underwriting with precise non-weather analytics

Move beyond static tables. Empower your team with probabilistic modeling and high-fidelity data to quantify fire, liability, and crime risks at the individual location level, ensuring portfolio stability in volatile markets.

Precision analytics

Master peril-specific underwriting precision

Deploy high-fidelity models that go beyond zip-code averages. Cotality analyzes localized non-catastrophe hazards, including fire protection ratings and regional crime indices, to provide a granular risk score that eliminates basis risk and stabilizes loss ratios.

22%

Average reduction in loss ratio volatility through high-fidelity risk re-analysis of existing non-weather portfolios.

<10m

Spatial resolution for fire and theft hazard scoring, providing a more granular assessment than traditional territory-based models.

99.9%

Model transparency and data uptime, ensuring underwriters have continuous access to mission-critical risk scores without latency.

Non-CAT risk intelligence

Advanced non-weather risk analytics suite

Replace broad neighborhood averages with address-level risk precision. Cotality’s non-weather risk analytics suite unifies hyper-local fire resiliency, internal water hazards, and 10-meter crime modeling into a single platform, empowering insurers to optimize segmentation and protect underwriting margins.

Fire Resiliency

Uncover hidden fire risks for safer assets

Fire Protection Class

Scores fire response readiness by property

Distance to Fire Station

Minimize fire loss with proximity data

Crime Risk Score

Refine pricing with precise crime insights

Unified Intelligence for Comprehensive Risk Management

The Non-Weather Risk Protection Suite is a core component of the Cotality ecosystem. By unifying non-catastrophe analytics with our broader property intelligence platform, we provide a single source of truth for the entire policy lifecycle. From initial quote to long-term portfolio management, our integrated data ensures that every decision is backed by a consistent, precision-oriented narrative that reduces volatility and scales with your business.

How can we help you?

Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.

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Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.

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