General liability underwriting is increasingly influenced by risks with limited or no historical loss experience, including artificial intelligence, digital platforms, and social media. CoMeta equips underwriters with forward-looking insight by linking emerging liability perils directly to named companies, products, and industries. It also uses Orbis to resolve insureds to a consistent, validated company identity and apply comprehensive firmographic and ownership context, supporting more precise pricing, targeted exclusions, and defensible underwriting decisions.

Real-time litigation intelligence helps organizations strengthen underwriting discipline. By matching defendants in court filings to insured entities using Orbis, underwriters can identify when insureds or peers are being named in litigation, apply referral rules earlier, and document decisions with primary source evidence. For underwriting leadership, this promotes consistency, transparency, and stronger control over emerging accumulation. 

Casualty portfolios are exposed not just to individual risks but to how those risks accumulate, interact, and evolve over time. CoMeta’s scenario capabilities allow (re)insurers to explore “what if” views of emerging liability risk across companies, sectors, and portfolios. Users can evaluate how changes in litigation activity, scientific consensus, or legal theory may affect losses before those dynamics are reflected in financial results.

These scenario-based insights support better portfolio construction, reinsurance strategy, capital allocation, and executive decision-making in an environment where uncertainty is the norm. For exposure managers and actuarial teams, this translates into practical tools for stress-testing portfolios and aligning strategic decisions with underlying exposure reality.

Long-tail casualty risk challenges traditional actuarial approaches that rely solely on historical development patterns. CoMeta complements those methods with forward-looking probabilistic models designed to estimate the frequency and severity of emerging liability risks over extended time horizons.

This allows actuarial and pricing teams to incorporate early risk signals into reserving and planning decisions. CoMeta helps casualty teams better align today’s decisions with tomorrow’s outcomes while also supporting leadership with greater confidence in capital allocation and reinsurance strategy in an increasingly volatile liability environment.

Emerging liability risk is rarely isolated. It accumulates across portfolios, industries, and geographies, often invisibly. Without a clear, entity-level view of exposure, insurers can struggle to see how risks connect, where concentrations are forming, and how portfolio decisions today may create aggregation tomorrow.

CoMeta links liability perils to named entities across a global universe of companies, using Orbis to resolve insureds to a consistent, validated entity and map exposures across corporate hierarchies, allowing insurers to analyze exposure at the company, portfolio, and enterprise levels. Users can identify concentrations, assess clash risk, and quantify aggregation across emerging hazards that may not yet appear in traditional exposure reporting.

These insights support smarter portfolio steering, reinsurance purchasing, capital management, and enterprise risk oversight, with Orbis providing the entity-level backbone that helps aggregation and accumulation views reflect the true structure of insured organizations; this allows casualty insurers to manage exposure with confidence in an increasingly complex risk landscape.

Within CoMeta, litigation tracking captures how scientific, regulatory, and behavioral risk drivers are translating into legal action, helping insurers understand when and where systemic liability risk is accelerating and how litigation trends are evolving across the market.  

By monitoring US federal and state court filings in real time, CoMeta integrates litigation signals directly into casualty catastrophe modeling workflows. These signals inform the evolution of scenarios, refine event footprints, and provide timely evidence that helps organizations reassess exposure, accumulation, and portfolio vulnerability as risk moves from formation to manifestation. 

This integrated view helps underwriting, exposure management, reserving, reinsurance, and capital teams operate from a shared understanding of how emerging liability risks are developing to better support earlier intervention, stronger portfolio discipline, and more confident catastrophe risk decisions. 

As part of CoMeta, litigation tracking integrates directly into casualty catastrophe modeling workflows while remaining available as a stand-alone solution to support different adoption paths across casualty teams. 

Reliable exposure insight starts with reliable data. By resolving entities and standardizing records across portfolios, our exposure data is ready to support accumulation analysis, clash identification, and portfolio-level views that reflect reality rather than noise.

Moody’s managed services operate as an extension of your team. You submit your exposure data, and our specialists handle processing, enrichment, and delivery. This reduces internal burden and frees underwriting, exposure, and risk teams to focus on decision-making rather than data cleanup.

Clean, consistent exposure data is essential for internal oversight and external reporting. We deliver customer-ready outputs that support management reporting, regulatory requirements, and frameworks such as Lloyd’s Realistic Disaster Scenarios, helping organizations communicate exposure clearly across stakeholders.

By working with portfolios on an ongoing basis, our specialists develop deep familiarity with your exposure data. This continuity improves consistency, supports repeatable workflows, and strengthens exposure insight over time as portfolios evolve and reporting needs change.