S&P Global Market Intelligence

Underwrite Insurance with Confidence

Are you concerned about what level of risk is appropriate for each insurance contract?

As an insurance underwriter, you need to understand the potential risks associated with different clients, and both the short- and long-term implications of taking on any financial obligations. As market conditions become more volatile, it can be a challenge to effectively price the risk of a prospective client, requiring in-depth intelligence to help you make informed decisions.

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Make Smarter Decisions with Data and Tools that Support Your Underwriting Workflow

Maintaining a profitable book of business requires internal visibility, which calls for robust tools to help you analyze and quickly act upon the available information. Leverage an array of credit risk assessment capabilities to evaluate your exposure by market, lines of business, and geography.

Access the official desktop source for S&P Global Ratings credit ratings and research with RatingsDirect^®. Efficiently analyze credit performance and trends with aggregated intelligence at the sector, sub-sector, industry, entity, and portfolio levels. Stay current with top stories and sector highlights, including dynamic ratings distribution and credit ratings migration charts. In addition, gain direct access to credit-adjusted financial statement information for global banks, corporates, and utilities rated by S&P Global Ratings, along with comparison tools, customized filters, and financial data reports.

Receive desktop push notifications to alert you to ratings actions, research updates, CreditWatch and Outlook assignments, news, and market movements as they happen and more. The information is available via desktop and Excel® Plug-in solutions.

Discover how to underwrite with essential intelligence >

Get a broad perspective of risk with Credit Analytics. Access credit scores¹, models, and tools to ease your workflow when running risk analysis. By providing a range of credit risk indicators from market-based to fundamental-based scores you don’t have to choose which indicators to monitor; you can watch them all. Track daily credit risk deterioration, gain a longer-term point of view across your exposures and set alerts to notify you of important changes. Credit Analytics models and data are available via a web solution, Excel^® Plug-in, and bulk data feed, plus API solutions that enable you to embed information in internal and third-party platforms.

Source: Credit Analytics, S&P Global Market Intelligence. For illustration purposes only.

Save valuable time while gaining new insights by letting ProSpread^TM automatically extract and spread financial data from images and PDFs, including scanned documents, into your workflow tools. ProSpread excels at poor quality documents that you may receive from your counterparties. In addition, continuous online learning using Natural Language Processing combined with Optical Character Recognition minimizes any manual adjustments that are required, enabling you to quickly leverage our Credit Analytics suite of models to score companies with the extracted financials.

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¹S&P Global Ratings does not contribute to or participate in the creation of credit scores generated by S&P Global Market Intelligence. Lowercase nomenclature is used to differentiate S&P Global Market Intelligence PD credit model scores from the credit ratings issued by S&P Global Ratings.

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