Underwriting Services & Data

Powerful Solutions for Informed Book of Business Management Decisions

MSB developed a special business unit – MSB Underwriting Services – to provide unique products, outsourcing services, and property-specific data. MSB’s Underwriting Services help insurance companies better define their greatest market opportunities, avoid risk from weather and geo-physical hazards, and manage property business more profitably.

Insights gained from MSB Underwriting Services help you

Find and eliminate exposures that develop huge loss ratios,
Select and properly price risks for greater profitability
Update and archive more complete information about every property you insure.

SightLine™ Services: Insight into Your Book of Business

MSB created the SightLine suite of services: InterVue, InSpect, SafeGuard, InFocus, and InterChange® to give insights that help you adapt to changing business needs and meet your business goals.

Book of Business Management

By working proactively with you, your agents, and your policyholders, MSB’s InterVue and InSpect services help identify book of business dynamics that reduce unforeseen losses. MSB’s SafeGuard service helps you preserve the value of your ITV investment and maintain the archived ITV data baseline that guides the continuous improvement of your business.

Underwriting Analytics Business Management

MSB maintains the only industry databases of home characteristics information that have been evaluated and scored for reliability. Using these databases, MSB’s InFocus Analytics Business Management service offers property writers valuable insights into their books of business. InFocus provides the first true snapshot of your book of business, marketing strategy and pricing adequacy to help you better define the business you want to write and develop the most competitive pricing and positioning in the marketplace.

Insurance-ready Data™ at the Point of Sale

MSB’s InterChange is the industry’s only source for scored public record data for homes throughout the United States. The InterChange database is continuously updated with data drawn from real estate, financial, insurance, and remodeling activity. Each record undergoes multifaceted analysis and scoring methods to determine the quality and reliability of every piece of home characteristic data. This information is available on-line at the point of sale for your agents or underwriters as they create insurance-to-value calculations, quote, and bind homeowners coverage.

Hazard Identification Data

MSB Underwriting Service also manages MSB’s hazard data services. MSB’s single-source advantage gives you address-specific information on a wide array of natural hazard zones and special rating or taxation territories, including NFIP flood data and brush and forest fire zones.

Strengthening and Standardizing Underwriting Decision Processes

Advanced Decision Technology

Award-winning Decisioning or rules engine technology from MSB and its sister company MindBox® lets you streamline and standardize every aspect of the underwriting process. When MSB’s powerful Decisioning technologies automate risk assessment and decisioning processes, your underwriters are free to focus on exceptional cases, improving efficiency and profitability.

Risk-based Modeling

Working with EMB America LLC, MSB now offers the industry’s first Risk-based Modeling capabilities for peril-level decision making for property insurance.Through new scoring algorithms, MSB analytics professionals, in cooperation with the actuaries at EMB, deliver credible, scored models. As in the personal automobile insurance sector, carriers that rely on multivariate analysis will gain a tremendous advantage over their competitors.

Contact Us

To learn more about how MSB Underwriting Services help insurers optimize underwriting processes and improve bottom-line results, call MSB at 800-809-0016 or e-mail
underwritinginfo@msbinfo.com.