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Lurking accumulation risk: Understanding our clients' accumulation loss scenarios

Accumulation or "clash" risk is the potential loss exposure of one event spreading to multiple lines of business in an insurer's portfolio. From construction site failures and product defects to corporate financial collapses and systemic market issues – if you aren't aware of the full breadth or extent of the risk, you aren't protected.

While accumulation is nothing new, it is becoming more widespread and pervasive due to the growing complexity of business and the faster and broader availability of information. For example, supply chains, outsourcing and an increasing reliance on data present new accumulation scenarios, which can assume unexpected forms and magnitude.

Identifying and mitigating accumulation risk in a portfolio helps protect a company's bottom line from volatility and bolsters the resiliency of the insurance marketplace.

As a leading global re/insurer, Swiss Re has a vital interest in understanding and quantifying accumulation risks for our own purposes, and for our client's benefit, to help them better understand their exposure and reinsurance needs.

We engage with clients on understanding accumulation scenarios, in assessing maximum potential losses in portfolios and we share our expertise on developing casualty accumulation monitoring processes and forward-looking casualty catastrophes modeling. We also offer innovative solutions to mitigate and transfer the casualty accumulation risk.


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