Risk Data Solutions: Unlocking strategic advantage through risk intelligence

This evolution is a direct response to how our clients’ needs have expanded. It’s not a shift away from what we’ve always done, it’s a natural extension. 

Risk transfer remains core to Swiss Re’s value proposition through our P&C Re business. But increasingly, companies are also looking for strategic insight, technical guidance, and actionable risk intelligence to support their own growth ambitions.

Risk Data Solutions brings together Swiss Re’s data, models, and advisory capabilities into one focused unit. It’s about complementing balance sheet protection with actionable insight, helping clients with informed risk selection, accurate pricing, portfolio management through market cycles, and claims triaging.

It’s not about adding more tools. It’s about delivering relevant, connected insights in the moments that matter. Our strength lies in integration: combining hazard data, exposure intelligence, pricing models, and advisory support within one connected ecosystem that supports real business decisions.

Take our real-time flood and wildfire scores, for example. These are powered by high-resolution models from partners like Fathom and Bellwether that are embedded directly into underwriting and portfolio management systems via APIs (for example CatNet® API). This gives underwriters instant, location-specific intelligence and a real-time view of their existing accumulation, precisely when and where they need it.

But we don’t stop there. We also provide post-event analytics and regulatory readiness frameworks, including support for ESG and climate disclosures.

Secondary perils such as severe convective storms (SCS), floods, and wildfires now account for the majority of insured NatCat losses. In the first half of 2025, SCS alone accounted for over USD 31 billion in global insured losses, underscoring the urgent need for more targeted and dynamic risk management solutions.

Risk Data Solutions directly addresses this challenge through higher-resolution hazard intelligence, peril-specific calibration, and post-event triaging tools – solutions specifically designed to help insurers meet their business outcomes, while also delivering on their commitments to the insured.

Our CatNet® Suite, for example, features global hail layers, SCS overlays, and live event footprints, enabling clients to visualize exposure, monitor accumulation, and take real-time action as events unfold.

We’re also investing in future-ready capabilities, including lightning hazard models and biodiversity risk scoring, to help insurers stay ahead of emerging perils before they evolve into systemic risks.

What we consistently hear is that Risk Data Solutions helps clients act faster and with greater confidence, mitigating potential risks and preparing more effectively by refining pricing strategies and adapting portfolios to climate-adjusted realities.

We’ve seen clients embed our real-time risk scores into daily underwriting, use our accumulation APIs to proactively manage exposure, and partner with our Risk Consulting & Analytics team to address strategic growth opportunities.

Even though the specific use cases vary, the common thread is this: we’re helping clients move from fragmented data points to focused, strategic action.

It complements and enhances Swiss Re’s core value proposition by extending our relevance across the entire risk lifecycle. While our colleagues in P&C Re continue to lead on capacity and risk transfer, Risk Data Solutions supports clients earlier in their decision-making process and across a wider range of functions.

We’re enabling clients to navigate volatility, respond to shifting market dynamics, and manage their portfolios with greater precision and agility. 

This strengthens Swiss Re’s position as a full-service reinsurer, serving as a value-added partner embedded in the everyday decisions that drive profitability, resilience, and growth.

Clients are facing a growing list of challenges:

• How do I select better risks amid increasing NatCat volatility?
• How do I underwrite more precisely in a world of rapidly evolving secondary perils, further exacerbated by climate change?
• Do I have the right exposure and hazard intelligence to ensure my pricing reflects actual risk?
• How do I monitor and manage accumulation dynamically, not retrospectively?
• How can I give my clients timely, data driven insights before and during NatCat events?

We’re addressing these with innovative solutions including our NatCat Modelling Engine, (for climate-calibrated pricing); CatNet® Exposure Insights (for property-level risk attributes); Rapid Damage Assessment (for post-event claims triage using satellite and AI); and Risk Consulting & Analytics (for bespoke guidance across the risk value chain).

Together, these capabilities create a seamless experience, enabling clients to make consistent, informed decisions across underwriting, pricing, accumulation, and beyond.

We’re continuing to expand in three key directions:

1. Scaling peril and regional coverage: We’re extending our models and insights across a wider range of perils – climate-related, non-climate, human-made, and natural – and more regions, ensuring our solutions are relevant both globally and locally. 
2. Extending context of use: It’s not just about the insights we deliver, but where and how they are applied. We’re embedding our capabilities across a broader number of use cases, from underwriting and pricing to accumulation management, regulatory readiness or post-event triage. The aim is to enable clients to leverage risk intelligence both earlier and more consistently in their decision-making cycles.
3. Towards a unified platform: We’re focused on building a connected platform where data, models, APIs, and advisory services operate within a single, unified tech stack. Interfaces will be tailored to each client’s specific context of use, while all being powered by the same integrated foundation. This approach unlocks economies of scale, reduces complexity, and allows clients to seamlessly access cutting-edge capabilities more efficiently across the entire value chain – from underwriting and pricing to post-event triage and optimisation.