Underwriters use Moody’s RMS Cyber Solutions to support more consistent and informed cyber risk evaluation at the account level, while maintaining alignment with portfolio objectives. ​

Key applications include: ​

• Understanding key cyber event drivers across IT, cloud, and cyber‑physical scenarios ​
• Evaluating expected loss and tail risk for individual accounts and segments ​
• Using outputs such as year loss tables, year event loss tables, and exceedance probability curves to support pricing discussions ​
• Comparing relative risk across submissions using a consistent analytical framework ​
• Supporting underwriting decisions with a clearer view of how individual risks may contribute to portfolio exposure ​

These capabilities help underwriting teams apply greater discipline and consistency in a rapidly evolving cyber insurance market.

Risk managers use Moody’s RMS Cyber Solutions to understand how cyber events could affect capital, solvency, and risk transfer strategies under a range of loss scenarios. ​

Key applications include: ​

• Identifying portfolio‑level accumulation and aggregation points driven by shared infrastructure and technology dependencies ​
• Evaluating potential losses under extreme but plausible cyber events ​
• Supporting capital allocation decisions with a clearer view of cyber tail risk ​
• Informing reinsurance structure, attachment points, and purchasing decisions ​
• Assessing how changes in portfolio composition may alter overall cyber exposure ​

These insights help risk managers connect cyber risk modeling to capital management, reinsurance, and broader risk governance objectives.