Cloud-based catastrophe modeling application providing comprehensive analytics for natural and man-made perils. Includes high-resolution modeling, portfolio management, and real-time catastrophe intelligence.
Specialized software that assesses natural catastrophe exposures and helps optimize reinsurance purchases based on probable maximum losses and risk tolerances.
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Multi-peril Coverage Ability to model multiple types of natural catastrophes, including but not limited to hurricanes, earthquakes, and floods. |
Moody's RMS Risk Modeler models multiple catastrophe perils including hurricanes, earthquakes, floods and more, as described in product documentation and marketing materials. | |
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Geospatial Resolution Level of detail in spatial risk mapping (e.g., postcode, address-level resolution). |
No information available | |
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Building Vulnerability Curves Use of vulnerability functions to estimate damage as a function of hazard intensity. |
RMS provides vulnerability curves/functions for perils as part of its risk analysis engine. | |
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Secondary Perils Modeling Support for emerging/secondary perils such as wildfire, hail, convective storms. |
RMS explicitly offers models for wildfire, hail, and convective storms (secondary perils) per product pages. | |
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Exposure Data Enrichment Ability to enhance client portfolios with hazard zone overlays, construction details, and location attributes. |
Exposure data enrichment, including hazard overlays and location attributes, cited as a core product capability. | |
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Climate Change Scenarios Option to model catastrophe risk under different climate change projections. |
Climate change scenario modeling is featured as a scenario-planning option in RMS Risk Modeler documentation. | |
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User-defined Hazard Scenarios Flexibility to create custom hazard scenarios (e.g., bespoke earthquake ruptures). |
Custom scenario generation is supported for user-defined events, as indicated by RMS Risk Modeler's supported outputs. | |
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Event Set Size Number of simulated catastrophic events for probabilistic analysis. |
No information available | |
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Ground-up Loss Computation Calculation of gross (pre-insurance) losses at policy or portfolio level. |
Ground-up loss computation is routinely referenced as a supported reporting option at both policy and portfolio level. | |
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Site/Asset-level Analysis Ability to drill down to individual locations or assets in risk evaluation. |
Users can perform analysis at site/asset/location level, as documented in UI walk-throughs. | |
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Hazard Map Visualization Interactive display of hazard intensity overlays on portfolio locations. |
Hazard visualization with interactive maps is a core UI element for RMS Risk Modeler. | |
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Exposure Aggregation Support for aggregation of exposures by region, peril, or client portfolios. |
Aggregation of exposures by region, peril, etc. is part of portfolio analytics capabilities. | |
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Automated Data Cleansing Built-in tools to validate and clean exposure data for modeling. |
Automated cleansing/validation tools for exposure data are included per RMS documentation. |
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Probable Maximum Loss (PML) Support for calculation of PML at different return periods (e.g., 1-in-100 year event). |
Calculation of Probable Maximum Loss (PML) at multiple return periods is a standard part of RMS output. | |
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Average Annual Loss (AAL) Automated computation of the mean annualized loss across all modeled perils. |
Average Annual Loss (AAL) calculation is a routine analytical output in RMS workflows. | |
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Loss Exceedance Curves Ability to generate exceedance probability distributions for loss benchmarking. |
Loss exceedance probability curves can be generated as standard reporting functionality. | |
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Insurance & Reinsurance Terms Modeling Modeling of contract terms such as limits, deductibles, sublimits, and layers. |
Insurance and reinsurance terms, including limits, deductibles, sublimits, and layers, are modeled in RMS Risk Modeler contracts functionality. | |
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Financial Structures Flexible module to replicate custom (e.g., multi-layer, quota share) reinsurance structures. |
Financial structures such as multi-layer and quota share can be designed within the application. | |
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Correlation Across Perils/Regions Incorporation of peril or region-based correlation in calculations. |
Peril and region correlation is a supported option as part of model configuration. | |
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Cashflow Timing Modeling Ability to assess impact of loss payment timing on reinsurance recoveries and reserves. |
Cashflow timing modeling is available for reinsurance recoveries and reserves in RMS Risk Modeler. | |
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Net vs. Gross Loss Analysis Comparison and breakdown of pre- and post-reinsurance losses. |
Product can analyze and report both net and gross losses through the financial model. | |
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Event Loss Tables Export Exportable event-by-event loss tables (ELTs) for reporting or further modeling. |
Event Loss Table (ELT) export is documented as a feature for downstream reporting and analysis. | |
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Ceded/Retained Loss Output Breakdown of total loss between ceded and retained amount for all modeled events. |
Ceded and retained loss breakdown output is supported for each modeled event. | |
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Currency Support Multi-currency modeling and loss reporting capabilities. |
Multi-currency reporting is available according to RMS Risk Modeler specifications. | |
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Tax & Expense Modeling Ability to factor in taxes, commissions, and other policy expenses in loss calculations. |
Tax and expense modeling is referenced in contract and policy calculation descriptions. |
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Reinsurance Structure Comparison Automated comparison of multiple reinsurance structures (quota share, XL, aggregate) for efficiency. |
Multiple reinsurance structure comparisons (e.g., quota share, XL, aggregate) are supported by the program. | |
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Program Optimization Engine Tool for recommending optimal reinsurance levels and attachment points based on user objectives. |
Optimization engine for reinsurance programs is described in RMS’s reinsurance analytics modules. | |
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Capital Efficiency Metrics Calculation of metrics like risk transfer efficiency, cost of capital, or marginal benefit. |
Calculation of capital efficiency metrics is included in RMS's advanced analytics. | |
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Sensitivity Testing Ability to test impact of varying contract or risk parameters on results. |
Sensitivity testing for contracts and risk parameters is available in model configuration. | |
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Retrocession Modeling Support for modeling and optimization of retrocession purchase for reinsurers. |
Retrocession modeling capabilities are available for reinsurers per RMS documentation. | |
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Layer Contribution Analysis Quantitative analysis of loss and capital contribution by layer. |
Analysis by layer for capital and loss is available in the Risk Modeler. | |
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Simulation Run Capacity Maximum number of reinsurance scenarios or simulations that can be processed per run. |
No information available | |
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Dynamic Pricing Tools Support for pricing reinsurance products dynamically as structures are adjusted. |
Dynamic pricing tools referenced in RMS reinsurance module as structures are adjusted. | |
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Stochastic Analysis of Reinsurance Costs Simulation of cost variability under different catastrophe load assumptions. |
Stochastic analysis of reinsurance costs is referenced as part of the program’s simulation features. | |
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Graphical Program Builder Drag-and-drop interface to set up and visualize reinsurance layers and contracts. |
Graphical (drag and drop) program builder is included in Risk Modeler UI for visualizing reinsurance layers. | |
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Portfolio Rebalancing Suggestions Recommendations for rebalancing reinsurance portfolio in light of risk changes. |
No information available |
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Web-based Interface Availability of browser-based, device-agnostic access. |
Web-based interface is core to RMS Risk Modeler as it is a cloud solution. | |
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Dashboard Customization Users can personalize reporting dashboards and save layouts. |
Users can customize dashboards per Risk Modeler documentation. | |
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Multi-user Collaboration Support for concurrent users, document sharing, and change tracking. |
Multi-user collaboration is supported through user/groups and enterprise deployments. | |
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API Access Availability of APIs for data pull/push and workflow automation. |
API access for data and workflow integrations is discussed in RMS integration/automation documents. | |
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Import/Export Options Support for multiple formats (Excel, CSV, Oasis, etc.) for exposures and results. |
Import/export of data in multiple formats (Excel, CSV, Oasis, etc.) is supported. | |
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Single Sign-On (SSO) Integrates with enterprise identity systems for easy log-in. |
Single Sign-On (SSO) can be enabled via enterprise options according to RMS technical support. | |
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Third-party Data Integration Easy connection to external hazard datasets, geocoding, or satellite data providers. |
Third-party data integration for hazard datasets, satellite data and more is referenced in system integration guides. | |
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Batch Processing Ability to set up, run, and monitor multiple modeling tasks in parallel. |
Batch processing and monitoring multiple jobs is referenced in solution guides. | |
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Audit Trail System tracks user actions for compliance and traceability. |
Audit trail functionality is available for compliance and traceability. | |
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Help & Training Resources Contextual help, tutorials, and knowledge bases. |
Help, training resources and user documentation are available for RMS Risk Modeler. |
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Interactive Risk Maps Zoomable/clickable maps with summary stats and site-level detail. |
Interactive, zoomable risk maps are a core feature of Risk Modeler’s visualization suite. | |
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Custom Report Builder Create, format, and export customized reports for stakeholders. |
Custom report builder is supported for creating stakeholder-specific reports. | |
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Regulatory Reporting Templates Pre-configured formats for Solvency II, Lloyd’s RDS, NAIC, etc. |
Regulatory templates (Solvency II, Lloyd's, NAIC, etc.) are available in reporting options. | |
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Data Visualization Widgets Built-in scatterplots, bar charts, exceedance curve visualizations, and dashboards. |
Data visualization widgets (charts, dashboards, etc.) are mentioned as readily available. | |
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Export to PDF/Excel/Word Direct export of results and reports into common formats. |
Export to PDF, Excel, and Word formats is a standard output option. | |
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Scheduled Report Delivery Ability to automate distribution of regular updates. |
Scheduled report delivery (e.g., automated regular delivery) is provided in RMS Risk Modeler. | |
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Scenario Comparison Views Side-by-side visualization of risk scenarios and outcomes. |
Scenario comparison tools with side-by-side outcome visualization are available. | |
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Custom Branding Add company logos and style to exported reports. |
Custom branding for report exports is supported for enterprise deployments. | |
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Drill-down Capabilities Users can navigate from high-level to detailed results with a click. |
Drill-down capability from portfolio to site-level detail is core to the Risk Modeler interface. | |
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Attachment for Documentation Upload supporting documents to analysis/report output. |
Attachment of documentation or supporting files to reports/analysis is supported. |
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Processing Speed Average time to complete a modeling run on medium-sized portfolio. |
No information available | |
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Concurrent Job Capacity Number of catastrophe model runs supported in parallel. |
No information available | |
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Maximum Exposure Records Largest exposure dataset size supported per portfolio. |
No information available | |
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Auto-scaling Infrastructure Cloud-based elasticity for scaling compute power with demand. |
Cloud-based, auto-scaling infrastructure is a key advantage noted by RMS Risk Modeler. | |
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Disaster Recovery Redundancy and disaster recovery measures for system resilience. |
Disaster recovery protocols and redundancy are mentioned as part of RMS cloud operations. | |
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High Availability SLA Uptime guarantee for critical production systems. |
No information available | |
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Historical Job Logs Access to archived job/output logs for audit and reruns. |
Access to historical job logs is included for audit/compliance. | |
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Data Compression Support for compressing datasets and results for efficient storage. |
Support for data compression is standard for cloud-based data storage and results. |
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End-to-end Encryption Data is encrypted both in-transit and at-rest. |
End-to-end encryption (at rest and in transit) is specified for Moody's RMS solutions. | |
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Role-based Access Control Restricts user/system access by policy or department. |
Role-based access control (RBAC) is available for all major RMS platform deployments. | |
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Multi-factor Authentication Requires multiple authentication methods for user login. |
Multi-factor authentication (MFA) is offered as an option for secure login. | |
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GDPR/CCPA Compliance Adherence to international privacy regulations. |
Privacy compliance for GDPR and CCPA is asserted in RMS regulatory compliance statements. | |
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Audit Logs Comprehensive tracking of user actions and data access. |
Comprehensive audit logs for user and data access are described in platform support guides. | |
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Client Data Segregation Logical or physical segregation of client datasets. |
Client data segregation is provided in multi-tenant and private cloud options. | |
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Penetration Testing Regular vulnerability assessment and ethical hacking tests. |
Penetration testing and security audits are part of RMS's standard cloud security approach. | |
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Data Retention Policy Controls Configurable data retention, archival, and deletion settings. |
Data retention and deletion policies are configurable per client/enterprise requirements. | |
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Incident Response Plan Predefined process for handling security breaches. |
Incident response procedures are maintained and documented as part of RMS cloud compliance. |
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Model Documentation Access Full model methodology and assumptions documentation provided. |
Full access to model documentation and methodology is available to clients. | |
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Open Model Inputs Ability for clients to review and in some cases adjust model input parameters. |
Clients can adjust and inspect model input parameters. | |
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Version Control Tracking changes and allowing rollback for model, data, and output versions. |
Version control for model, data and results is a noted feature for traceability and rollback. | |
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Peer Review Tools Support for independent review and annotation of model results. |
No information available | |
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User-defined Validation Tests Ability to run custom tests to validate outputs against known benchmarks. |
User-defined validation tests, including custom model checks, are referenced in RMS's advanced tools. | |
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Model Sensitivity Reporting Automated quantification of model and parameter uncertainty. |
Model sensitivity/uncertainty reporting is included in analytics toolkit. | |
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Audit Trail for Models Detailed logs of model changes, runs, and result comparisons. |
Model audit trail (change logs, run details) is featured in product documentation. |
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Automated Model Updates Push/pull based updating of hazard and financial models without manual install. |
Automated model updates via cloud delivery are standard (with version controls). | |
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Changelog Distribution Transparent distribution of model release notes and update impacts. |
Changelog distribution for all model updates/releases is standard with each update. | |
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Backward Compatibility Ability to re-run old portfolios in previous model versions. |
Backward compatibility to re-run historical portfolios in older model versions is described. | |
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User Notification of Updates Automated alerts and digest announcements of new releases. |
Users are notified automatically through the interface and email of model and software updates. | |
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Support for Historical Model Versions Ability to preserve and sandbox old model/data versions for regulatory reviews. |
Support for historical model versions/sandboxes for review is included in RMS Risk Modeler's version management. |
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Technical Support Coverage Availability of support team during business hours (and optionally 24/7). |
Technical support via ticket, chat, and phone is available during business hours (and optionally 24/7 for enterprise clients). | |
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Onboarding Assistance Guided onboarding program for new clients and users. |
Onboarding training and onboarding specialists are provided for new clients. | |
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Training Sessions Regular live/online training, webinars, and best practice workshops. |
Live and online training sessions are held regularly. | |
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Client Community Access Forums, events, and user groups for sharing knowledge and advice. |
Client community access (forums, events) provided for users and administrators. | |
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Service Level Agreement (SLA) Formal SLAs for support response times and updates. |
Service Level Agreements (SLAs) are formalized in RMS contracts. | |
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Premium Support Option Higher-tier support plans for critical clients. |
Premium support options are available for critical and enterprise accounts. | |
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Dedicated Account Manager Assigned point of contact for strategic engagement. |
Dedicated account managers are assigned to large/enterprise clients. |
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Flexible Licensing Models Annual, usage-based, enterprise, or modular license options. |
Licensing is flexible: annual, modular and enterprise models are documented. | |
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Pay-as-you-go Option Supports pay-per-use with no long-term contract. |
Pay-as-you-go licensing available for certain analytic modules. | |
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Free Trial or Sandbox Limited access trial for proof-of-concept or evaluation. |
Free sandbox or trial environments are available for evaluation/proof-of-concept as declared by RMS. | |
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Transparent Pricing Clear, predictable fee structures without hidden charges. |
Transparent pricing is emphasized; RMS provides clear fee outlines with no hidden charges. | |
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Bundled Model Updates Model/feature updates included in standard license. |
Bundled model/feature updates are included under standard license according to commercial terms. | |
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Usage Tracking Tools Dashboards and reporting for monitoring software/data usage. |
Usage tracking dashboards are available within the product. |
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