What is Policy Insights:
Policy Insights enables insurers to understand how catastrophic events impact their portfolios at a policy and location level, all within GEO.
By combining MIS’s event intelligence with your portfolio data, Policy Insights reveals which policies are exposed, how much value is at risk, and where that exposure is concentrated - turning raw event data into clear, actionable intelligence.
This feature helps you move beyond simple “where are my locations?” to “which policies are impacted, and to what magnitude?”
It streamlines post-event triage, eliminates manual effort, and accelerates confident decision-making across Claims, Exposure, and Underwriting teams.
Why does it matter?
In the aftermath of an event, insurers face three key challenges:
Visibility: Understanding which insured policies and locations are within the affected area.
Prioritisation: Identifying which exposures are most significant and warrant immediate attention.
Consistency: Ensuring all teams are aligned around the same set of facts and assumptions.
Policy Insights solves these challenges by:
Providing centralised, near-real-time visibility across portfolios.
Supporting transparent early reserving estimation using configurable Damage Factors.
Enabling consistent collaboration between Claims, Exposure, and Underwriting.
Helping teams make faster, data-driven decisions - from triage to reserving and claims handling.
This is about clarity, not complexity: a simple, trusted and quick view of exposure and impact.
When should I use it?
Policy Insights is designed for use immediately after an event, when early visibility and confidence matter most.
Use it when you need to:
Identify exposed policies based on current MIS intelligence.
Estimate potential exposures quickly without waiting for full claim data.
Align teams around consistent event data and assumptions.
Validate or supplement modelled losses with observed intelligence.
Communicate early insights to brokers, reinsurers, and internal leadership.
It’s especially valuable during the first 24–72 hours post-event, when decisions on response, reserving, and client engagement need to happen fast.
Key Benefits:
Policy-Level Insights
View all insured policies affected by an event, including:
Policy Terms: Limits, deductibles, and excesses.
Estimated Exposure: Policy-level values impacted based on MIS intelligence.
Ground-Up Values: Aggregated Total Insured Value (TIV) of locations in the affected area.
Locations Counts: By Policy to indicate highest aggregations.
Total Exposed Policies / Estimated Exposure: Event-level metrics visible at the top of the table.
These data points provide a clear, consistent summary of portfolio exposures for every event.
Damage Factors - Early Damage Estimation
Location Insights with Damage Factors assigned
Easily use your own and other colleagues factors.
Damage Factors are the configurable engine behind Policy Insights’ damage estimation.
They allow users to apply damage-based percentages to each location’s TIV to calculate an indicative Damage Adjusted Estimate, with logic that applies location and policy terms automatically.
(TIV × damage factor → Apply location terms → Apply policy terms)
Seamless Integration and Download
Download Data: Export both policy and location tables including all new calculated columns.
Show on Map: Select a policy or location to visualise its footprint directly on the map.
Cross-Table Navigation: Jump between the Policy and Location tables for connected views of your exposure.
Damage Factors are designed for early-stage decision support - fast, transparent, and consistent across teams.
(For calibration guidance, see the companion document: Using Damage Factors in GEO)
Key highlights:
Configurable Factors: Use MIS defaults or customise your own per peril.
Assessment-Aware Application: Factors are applied at the most granular layer available (Claims > Exposure).
Instant Recalculation: Click “Apply” to instantly update estimates across the interface.
Damage Adjusted Estimate Range: See the min–max of applied factors for managing uncertainty.
Collaborative Visibility: While factors are configured per user, all users can access shared factors for consistency.
Policy Roll-Up: Automatically aggregates damage adjusted estimates across all associated locations per policy.
CSV Export: Download updated datasets including TIV, factors, and estimated exposures.
Frequently Asked Questions
What is a Damage Adjusted Estimate?
A damage-adjusted estimate is a refined view of exposure that accounts for the expected level of physical damage at each insured location, rather than just its total insured value (TIV).
How do you calculate Estimated Exposure and Damage Adjusted Estimates?
Please see this page: How Does GEO Calculate Exposure Values
What data do I need to use Policy Insights
You’ll either need s dataset with geocoded locations, policy identifiers (e.g., Contract ID), with location and policy terms (Limit, Attachment, Share and Deductibles). We recommend a full exposure management extract.
Where do the default Damage Factors come from?
Default factors are based on broad industry references and MIS’s experience. They serve as baseline guidance for quick, indicative analysis. You can customise them in GEO to better reflect your own loss experience and knowledge.
What if different users apply different factors?
Each user’s view is personal, but all factors applied within an event are visible across the workspace for collaboration. You’ll always know which set of factors is being used.
Can I update or reapply factors later?
Yes. You can adjust and reapply at any time, triggering instant recalculation.
Can I export the outputs?
Yes - both Policy and Location tables can be downloaded as CSVs, containing all raw and calculated fields.
What layers are supported?
Currently: Exposure Layer and Claims Layer. Future releases will add Building-Level granularity for additional confidence.
How should I use this alongside my financial models?
Treat Policy Insights as an early triage and prioritisation tool - a bridge between observed event intelligence and the financial models. It helps focus modelling resources where they matter most and ensures that portfolio-level assumptions stay consistent.
Are the default damage factors validated?
No. They are indicative, based on empirical and reference data, not claim-by-claim validation. They’re meant for quick directional guidance and should be calibrated over time with your own claims data.
I can't see Policy Insights?
Talk to your MIS representative, either this feature is not switched on yet, or your data doesn't support the calculations required.