RMS Consulting

RMS consulting services are designed to help clients quantify their current risk profile and set business strategies to effectively manage and transfer risk for optimal financial performance. We apply our expertise in catastrophe risk management across various financial sectors including the capital markets, insurance and reinsurance markets, and lending institutions.

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Insurance and Reinsurance Services

Catastrophe risk is a key driver for companies who underwrite risk in the P&C insurance and reinsurance markets. Our services for this sector include property risk assessment analysis, casualty risk assessment analysis, reinsurance portfolio analysis, peer group and industry benchmarking, new business distribution analysis, and development of rates and loss costs.

Lending Services

Banks and lending institutions are vulnerable to mortgage default risk in the event of a natural catastrophe. Earthquakes are of particular concern because standard insurance policies do not cover this peril. This emerged as a major issue following the Northridge Earthquake which stuck southern California in 1994. Following the earthquake, many borrowers who incurred significant damage defaulted on loans rather than pay for repairs. Our services for lenders help them quantify and manage this risk through portfolio level analysis, risk transfer, and underwriting evaluations.

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