Asperta, Ltd. is a unique independent consulting practice coaching risk managers and brokers on critical issues with property insurance underwriting submission format, data quality, and valuation, including optimization for leading CAT models.

• Insureds with large, complex property schedules need to attract capacity at best available terms.
  We offer an objective and credible insiders’ perspective on how their submission will be processed and evaluated. We provide excellent ROI to outsource submission preparation tasks that risk managers need taken “off their plate”.
• Submissions formatted for efficient processing are appreciated by underwriters and earn priority status for quoting. Our submissions are import-ready and optimized for leading CAT models.
• High-quality data helps underwriters advocate internally for the best available terms and pricing. We analyze and correct reported data from an underwriter’s perspective.
  We invest the time to capture and validate missing information.
  We act as a “gatekeeper” to challenge new information before it’s submitted for binding.
• CAT model results materially impact underwriters’ technical pricing and capacity decisions.
  Model results are adversely impacted by missing inputs and coding errors.
  We address data quality and model input code issues, which can improve model results by +25%.
  We actively participate in reviewing model results to identify and fix data issues before submissions are sent to market.
• Defensible values are needed to minimize risk of under-reported and over-reported values.
  We offer detailed replacement cost estimates for buildings, and underwriting review of other values.
  For on-site appraisals, we can assist on the front end with scope and prioritization and on the back end with quality review and incorporating the data into the submission package.
• We customize our property schedules to make them easier for clients to leverage for other internal purposes and reconcile with their internal data sources.