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Insurance Solutions

Formerly Moody’s RMS

Quantify Workers’ Compensation Risk

Moody's offers exposure management across your book, as well as loss modeling solutions from earthquake and terrorism events, for workers' compensation and other human casualty lines.

Capture Correct Exposure

Improve exposure estimation using a data-driven algorithm that converts payroll to number of employees.

Manage Portfolios

Gain a clear competitive advantage in loss-cost estimation, risk selection, and capital management for extreme events.

Custom View of Risk

Get insights using your own view of injury distribution for exposure management or benefit from the view developed by Moody's.

Human Casualty Modeling

Moody's RMS Workers' Compensation Models address multiple human casualty lines, including workers’ compensation, life, and accidental death and dismemberment.

Enhanced Exposure Estimates

Use Moody's time-of-day distribution data in the absence of employee shift information. This is based on industry averages across occupations. Additionally provides exposure adjustment options to tweak the relative occupancy based on your best assessments.

Superior Metrics

Modeled outputs include total workers’ compensation loss and total number of injuries, grouped by the six injury classifications defined by the National Council on Compensation Insurance (NCCI): medical only, temporary total, permanent partial minor, permanent partial major, permanent total, and fatal.

Latest Cost Severities

Moody's Cost Severities are frequently updated and represent medical and indemnity costs, based on expected impacts from earthquakes and conventional terror attacks, across the entire United States.

Geographic Coverage

The workers’ compensation solution offers deterministic terrorism modeling worldwide and probabilistic loss modeling for earthquake and terrorism events for selected regions. The probabilistic earthquake workers’ compensation model covers China, Japan, Taiwan, and the United States, and probabilistic terrorism workers’ compensation coverage spans Belgium, Canada, Denmark, France, Ireland, Italy, Turkey, the United Kingdom, and the United States. 

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