Builders risk

Moody's RMS™ model for builders risk offers a comprehensive solution for managing the complex and dynamic risks associated with construction projects. By considering both the changing value and vulnerability of projects over time, we help insurers, underwriters, and risk managers make informed decisions with confidence.

Available for various project types, from commercial properties to civil linear structures, our advanced modeling techniques and customized analyses capture the evolving nature of construction sites. As a result, you can gain risk assessments at every phase of a project’s life cycle that reflect the true risk profile of each construction site.

With specialized loss views, enhanced data schemas, and the ability to create tailored scenarios, our builders risk insights provide the intelligence you need to navigate construction risk management’s complexities.



Construction-specific views

01 Specialized loss views

Specialized loss views

Examine seven distinct loss views, including average and worst case, and five phases of construction representing critical points in a project.

02 Enhanced data schema

Enhanced data schema

Analyze location-level construction risks by capturing different construction project types within a database designed for interoperability with standard property models.

03 Data adjustments

Data adjustments

Adjust construction phases and deductibles to reflect the desired phase of construction for a current or hypothetical date.

04 Capital adequacy

Capital adequacy

Inform capital requirement calculations and reinsurance purchase and pricing using the worst-case loss view across different phases of construction.


Where we help

Regional and country builders risk models


Chartis RiskTech100 2026 award
Chartis RiskTech100 2026 Moody's Insurance award
Insurance ERM Americas Awards 2025 Winner Catastrophe risk
Chartis Quantitative Analytics 50 2025 #1
Insurance ERM Americas Awards 2025 Winner Stress scenarious
Chartis RiskTech AI50 2025 - Moody's AI-Driven Property Risk Analytics
Insurance ERM CRSA Awards 2025 winner UK & Europe  Economic scenario
Chartis RiskTech AI50 2025 - Moody's AI-Driven Insurance Risk Analytics
Insurance ERM CRSA Awards 2025 winner Americas Economic scenario
Insurance ERM CRSA Awards 2025 winner UK & Europe Catastrophe risk
Insurance ERM CRSA Awards 2025 winner UK & Europe IFRS 17

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