Intelligent Risk platform for insurers

The rising frequency and severity of catastrophic events have made it more challenging than ever to achieve meaningful growth. As risk becomes increasingly complex, insurers face mounting pressure to choose the right technology and solutions that allow for more accurate risk pricing, support diversified portfolio development, and facilitate increased underwriting capacity without compromising guidelines. 

Drawing on more than 30 years of risk analytics leadership, Moody’s designed the Intelligent Risk platform™ to empower customers with industry-leading modeling science, modular cloud-native technology, and enriched datasets to enhance decision-making. We’ve made bold technological and scientific investments to help customers build the next generation of insurance solutions to decode risk and identify growth opportunities. 

Intelligent Risk platform

Drawing on more than 30 years of risk analytics leadership, Moody’s designed the Intelligent Risk platform™ to provide customers with industry-leading modeling science, modular cloud-native technology, and enriched datasets to enhance decision-making. We’ve made bold technological and scientific investments to help customers build the next generation of insurance solutions to decode risk and identify growth opportunities.

Insights for navigating a complex risk landscape

Digitizing risk workflows

The Intelligent Risk platform is designed to deliver a competitive edge in today’s ever-evolving market by streamlining workflows across the insurance value chain—from primary underwriting to portfolio steering. Built on Amazon Web Services (AWS), it delivers seamless performance, adaptability, and resilience to help insurers manage risk more effectively in a rapidly evolving market. At its core, the Intelligent Risk Platform is designed to help insurers digitize risk workflows and foster a more resilient world.

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From complexity to clarity: Navigating the four S’s of catastrophe risk data

Managing catastrophe risk data is uniquely complex for (re)insurers, with challenges around size, schema, skills, and security — what we call the four S’s of catastrophe risk data. Explore how the Intelligent Risk platform helps insurers tackle these challenges with cloud-native solutions that unlock the full value of their data.

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Benefits of the Intelligent Risk platform

Cutting-edge technology

Moody’s introduced the first generative artificial intelligence (GenAI) solution tailored to enhance the catastrophe modeling workflow, setting a new standard for productivity in the industry.

Common data foundation

All imported exposures and losses, as well as all platform-generated data, are contained within a unified database across underwriting, portfolio management, and catastrophe modeling.

Modern, cloud-native architecture

Unified application programming interfaces (APIs) allow you to automate critical workflows and achieve frictionless communication between various applications and systems to foster greater innovation.

Shared financial engine

Moody’s RMS™ models and applications run on the same industry-leading financial engine to provide consistent results from pre-bind risk assessment to reinsurance purchase.

Continuous innovation

Our industry-leading SaaS platform released over 63 platform updates to equip customers with the most advanced technology to help improve their workflows.

Scale and performance

The platform provides robust and flexible compute and storage capabilities to meet business demands without the need to procure, commission, or install new hardware.

Moody’s Data Vault™

Moody’s Data Vault™ offers a centralized archive solution for all tenant applications, enabling Intelligent Risk platform clients to manage their exposure archives effortlessly under one unified system. With just a single click, archives can be seamlessly restored back to production, saving time and reducing complexity.

Data Vault also includes a powerful snapshot service, allowing you to preserve exposure databases in their exact state at any given point in time. Tenant administrators can automate routine IT archiving and backup workflows, eliminating the need to handle time-consuming, long-running processes on a weekly or monthly basis. Simplify your data management and stay focused on what matters most with Moody’s Data Vault™.

Learn more about Moody's Data Vault™

GenAI and the Intelligent Risk platform

GenAI is a once-in-a-generation opportunity that has arrived at a pivotal moment for the insurance industry to revolutionize how individuals and entities conduct business. It's a transformational opportunity to fully leverage the Intelligent Risk platform in new and exciting ways, such as automating report generation, reducing time to insights, and so much more.

Moody’s is piloting an extensive set of GenAI use cases and leveraging the Intelligent Risk platform’s cloud-native environment so organizations can embed these advanced capabilities into their everyday workflows and tools.

Growing ecosystem of innovators

Customers across all major geographies — including Europe, the Americas, and Asia — and insurers, reinsurers, and brokers modeling their accounts, portfolios, and underwriting use the Intelligent Risk platform daily.

250 million

properties with detailed building 
characteristics and conditions

63

software releases for Intelligent Risk platform applications in 2025

10 billion

modeled risks per month
(as of January 2026)

179

models released across the globe in 2025

4 billion

accumulated risks per month
(as of January 2026)

Petabytes

of risk data across
platform applications

Applications and services hosted

Our integrated suite of applications and services provides risk professionals with advanced analytics and cutting-edge tools for modern risk management. Built on the Intelligent Risk platform, these cloud-native applications are tailored for diverse users, helping them gain deep insights into potential hazards, exposures, and accumulations.

01 Risk Modeler

Risk Modeler 

Moody’s Risk Modeler™ unlocks deep risk insights and enhances real-time decision-making with cloud risk modeling software that combines innovative catastrophe models, efficient modeling workflows, and tools to get behind the model numbers. 

UnderwriteIQ

Moody’s UnderwriteIQ™ application provides underwriters with extensive Moody’s RMS hazard data and peril models for the analytics required to enhance the speed and quality of underwriting decisions. This easy-to-use, highly configurable, cloud-native application improves underwriting decision-making for cat-exposed businesses and complex risks.

TreatyIQ

Moody’s TreatyIQ™ application provides advanced treaty analytics and portfolio roll up, unifying treaty underwriting and portfolio management within a single intuitive application. Model-agnostic insights on risk levels, profitability, marginal impact, and portfolio risk drivers deliver superior pricing, participation, and risk transfer decisions for property treaty reinsurers and brokers.

ExposureIQ 

Moody’s ExposureIQ™ provides insightful and intuitive analytics backed by Moody's RMS modeling science, allowing for a deeper understanding of portfolio hot spots. It supports organization-wide portfolio management by allowing roll ups across insurance and reinsurance portfolios in one application. 

Risk Data Exchange

The Risk Data Exchange service on the Intelligent Risk platform allows users to share data, such as Exposure Data Model (EDM) databases and Detailed Loss Model (DLM) or high-definition (HD) analysis results, with other platform customers or Moody's Support. This functionality is particularly useful for primary insurers or reinsurance brokers who need to share data with reinsurers for purposes like contract pricing and risk transfer.

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06 Risk Data Lake

Risk Data Lake

The Risk Data Lake is a cloud-based, programmable, and adaptable environment within the Intelligent Risk platform that provides instant access to data across all platform applications, including exposures, modeled losses, policies, portfolios, accounts, and locations. Users can import, store, transform, and access risk and third-party data, and it supports flexible data processing using tools like SQL, Python, and R. Additionally, it integrates risk services to simplify data encoding, transformation, search, and query, facilitating advanced analytics and bespoke solutions.

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07 Third-party modeling

Third-party modeling

Moody’s Intelligent Risk platform Open Modeling Engine unifies management and execution of over 700 Moody’s RMS, third-party, and in-house models natively connecting to

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08 IRP Navigator

IRP Navigator

The IRP Navigator is an AI-powered assistant that provides seamless access to expert documentation through a chat interface. It integrates with all existing customer-facing product documentation, offering accurate and contextually relevant responses to your questions, thereby reducing the need to manually search through help centers or support documentation.

09 Data Bridge

Data Bridge

Data Bridge is a managed database platform that hosts the Microsoft SQL Server and supports various migration scenarios for clients adopting Intelligent Risk platform applications. It facilitates the transfer of databases between on-premises and managed server instances, supporting the import and export of database artifacts in multiple formats. By leveraging REST APIs for managing uploads to Amazon S3 and importing data into managed server instances on DataBridge, it allows for seamless integration with existing RiskLink and RiskBrowser processes.

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10 Enhanced Risk Data

Enhanced Risk Data

Enhanced Risk Data delivers property- and peril-specific layers to enhance exposure quality, hazard insights, and risk scores, enabling improved model analytics and more informed underwriting decisions. Covering over 100 million U.S. locations and incorporating global hazard metrics like flood depths, wildfire risk, and earthquake impacts, it provides actionable insights into loss drivers and portfolio risks. These layers support detailed accumulation assessments, simplify risk scoring, and enable precise underwriting rules to optimize exposure management strategies.

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Digitizing risk workflows

The Intelligent Risk platform is designed to deliver a competitive edge in today’s ever-evolving market. It seamlessly integrates multiple software-as-a-service (SaaS) applications tailored to different personas across the insurance value chain, from primary underwriting to portfolio steering. Its cloud-native architecture eliminates the need for software installations or scheduled maintenance, allowing for uninterrupted performance. Built on Amazon Web Services (AWS), the platform harnesses the full potential of cloud technology, offering exceptional scalability, flexibility, and durability.

At its core, the Intelligent Risk platform is designed to help insurers digitize risk workflows and foster a more resilient world. Discover how it can transform your approach to risk management.

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News and views

blog

Feb 18, 2026

When better models meet better data: Realizing a longstanding market vision

Maurizio Savina introduces Exposure Enrichment as part of Enhanced Risk Data on Moody’s Intelligent Risk Platform™ (IRP). Bringing together AI models from both Moody’s RMS modeling and Moody’s CAPE property intelligence teams, Exposure Enrichment offers a richer list of primary and secondary modifiers, with hazard data layers across many perils, along with exposure enrichment data for the United States.

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case study

Tokio Marine HCC modernizes catastrophe modeling with Moody's Risk Modeler

By adopting Moody’s Risk Modeler™️, Tokio Marine HCC replaced manual, on-premises processes with an automated, cloud-based catastrophe modeling environment. The upgrade improved performance, cut model run times dramatically, and empowered underwriters with real-time insights for faster, more accurate decision-making.

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blog

Jan 23, 2024

Moody's

Risk Data Exchange: time to make the exchange of data across the insurance value chain seamless and simple

During insurance renewals, the distribution of risk data comes into sharp focus for all stakeholders across the insurance value chain as the requirement for exposure and modeled loss data to flow freely across primary insurers, reinsurance brokers, and reinsurers becomes central to the renewal workflow.

infographic

Moody's

Model change management 

Catastrophe modelers can accelerate model change management with fewer resources, less effort, and at a lower cost with Risk Modeler. 

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blog

Sep 12, 2024

Moody's

Introducing IRP Navigator: your 24/7 AI-powered guide to Moody’s Intelligent Risk Platform services

Generative artificial intelligence (GenAI) offers the potential to be a transformative technology, presenting exciting opportunities to rethink daily workflows but also new challenges relating to governance and compliance.

blog

Dec 15, 2023

Moody's

Securing business success: the crucial benefits of SaaS platforms and security certifications

Businesses are constantly seeking ways to employ digital transformation strategies that streamline their operations, improve productivity, and boost profitability. One such strategy is the adoption of software-as-a-service (SaaS) platforms, which offer wide-ranging benefits, including cost savings, adaptability, and flexibility.

blog

Apr 18, 2023

Moody's

Choosing your future-proof cloud platform

Moody's RMS leverages cloud-native architecture for its Intelligent Risk Platform™, offering scalability, cost efficiency, and easy updates to outperform traditional cloud-hosted methods.