Solutions
Underwriters work with fragmented signals from multiple vendors and make defensible decisions at speed. Vigil connects every signal — climate, structural, hazard, and portfolio context — into a complete risk picture at the submission level, continuously updated, and built to stand up under regulatory and reinsurance scrutiny.
US parcels scored across every peril that matters to your book
Fields per parcel — climate, structural, hazard, location, and more
From address or portfolio upload to a complete, auditable risk profile
Vigil synthesizes climate, structural, and hazard data into a single composite score at the address level — computed against the perils relevant to your specific book, not a generic national index. Every factor is traced to its source, every score is explainable, and every output holds up under DOI scrutiny and reinsurance review.
When every underwriter works from the same score, adverse selection drops and pricing consistency follows.
Vigil maps your entire book against peril and geographic overlaps, surfacing correlated exposure before it compounds. PML estimates, reinsurance attachment gaps, and tail-risk indicators update continuously — so your underwriting and cat teams see the same book, in real time, not at the next renewal cycle.
Concentration that goes unmonitored becomes the loss event that explains itself in the annual report.
Vigil replaces backward-looking averages with forward-looking cat scenarios across wildfire, flood, wind, and severe convective storm perils. Stress test your in-force book against climate projections and live hazard data — so your cat team sees evolving exposure before it moves your combined ratio, not after.
The cat model that runs after the bind decision is a report. Vigil runs before it.
Vigil surfaces properties that match your underwriting appetite across the full market universe — including defensible risks that retreating competitors are declining based on incomplete data. Define your criteria once. Vigil identifies the opportunities continuously, ranked by fit against your book.
The best submissions in a hard market go to the carrier with better data.
Risk scores sourced from disconnected vendors with no shared methodology or audit trail.
One composite score per property, every factor traced to source, version, and date. Auditable on demand.
Concentration analysis runs post-bind in separate GIS tools, once per renewal cycle.
Concentration and aggregation monitored continuously. Drift visible the same day it occurs.
Hazard models rely on historical averages that no longer reflect how perils are actually moving.
Forward-looking scenario modeling across wildfire, flood, wind, and atmospheric perils. Updated continuously.
Sourcing new opportunities requires manual data pulls across multiple vendors before a single property is evaluated.
Criteria defined once. Every matching property surfaced continuously across the full market universe.
Underwriting, portfolio review, and risk reporting run in separate systems with no shared data layer.
One surface connects scoring, concentration, hazard modeling, and opportunity discovery. Same data, every team.
Price on the full risk picture, not a fragmented view.