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Responsible underwriting Responsible underwriting is also about For InsurTechs that take ethical issues “Access to multiple data sources declining to underwrite or invest in specific seriously, it is an exciting time to innovate allows us to solve complex fossil fuel–related activities which represent with data combined with ethical and fair challenges and deploy solutions an unacceptable path to a net zero economy analytical practices. (e.g., extraction and production of energy “Imagine if you could predict that address the current from thermal coal and reducing involvement protection gap. We’re finally in coal mining). The process also requires weather risk by just evaluating able to address longstanding a more accurate evaluation of risk and the ocean’s patterns from 2 to up application of new condition-based exclusion to 52 weeks in advance? Salient problems with better technology clauses. and engineering. Still, there is One of the most prominent risks still remains Predictions just do that.” a long way ahead to get to the the identification and quantification of Matt Stein exposure accumulation to individuals, Salient Predictions outcome though.” companies, sectors, countries, and products Arash Ghauss - particularly those that materially extend Live-EO across or correlate between business units, functions, and divisions, including the balance sheet requirements associated with those, and the adequacy of the governance practices being deployed.

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