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Non-weather risk suite

Property non-weather risk intelligence for underwriting

Move beyond broad rating factors with property-level non-weather risk intelligence. Using address-level data, structural characteristics, and localized risk insights, assess fire, internal water, and crime risks with greater confidence to support more accurate underwriting and stronger portfolio performance.

Risk intelligence

Assess non-weather risks beyond neighborhood

Move beyond zip-code and neighborhood averages with property-level non-weather risk intelligence. Cotality combines localized fire protection data, internal water risk insights, crime risk intelligences to deliver granular risk scores that support more accurate underwriting and help reduce portfolio uncertainty.,

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 approaches.

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 suite unifies fire resiliency, non-weather water risk, crime risk scores 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 suite is part of Cotality's property intelligence platform, bringing together address-level non-weather risk insights within a unified underwriting workflow. 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.

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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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