Our proposal: a resilience underwriting pilot

We invite insurers to test the approach on a defined portfolio or selected group of commercial assets.

The pilot will establish risk baselines, assess resilience gaps, model suitable interventions and quantify adaptation-adjusted loss metrics. Together, we will develop an insurer-ready output and evaluate how documented risk reduction could inform underwriting decisions and customer incentives.

Turn Resilience into Underwriting Value

LocationHealth provides the missing operational layer: connecting forward-looking climate risk, asset-level resilience measures and quantified loss reduction with insurer-ready underwriting evidence.

Physical climate risk is increasing faster than traditional insurance models and annual renewal cycles can adapt. At the same time, resilience investments are rarely translated into consistent underwriting benefits.

From risk transfer to measurable risk reduction

Inspired by the insurance-centric framework proposed by Carlyle and Marsh, LocationHealth enables insurers to:

  • Assess forward-looking physical risks at asset and portfolio level
  • Identify structural and operational resilience gaps
  • Select and evaluate appropriate adaptation measures
  • Quantify pre- and post-adaptation AAL, PML and business interruption risk
  • Verify implementation and ongoing performance
  • Translate documented risk reduction into underwriting-relevant insights

A closed resilience loop.

1. Assess
Model current and future exposure to flood, heat, wildfire, wind, hail, drought and other hazards.

2. Improve
Identify vulnerabilities and recommend targeted resilience measures based on asset characteristics and recognized standards.

3. Quantify and verify
Calculate the expected reduction in losses, downtime and financial exposure - and document that measures have been implemented and maintained.

4. Inform underwriting
Provide a standardized, insurer-ready resilience record that can support decisions on pricing, deductibles, coverage, capacity and renewal terms.

What insurers gain

LocationHealth helps insurers move from broad resilience ambitions to a scalable operating model:

  • Better differentiation between exposed and actively managed risks
  • More consistent recognition of policyholder resilience investments
  • Lower expected losses and improved portfolio quality
  • Stronger risk-engineering and client-advisory services
  • New resilience-linked products and underwriting approaches
  • Improved retention through long-term risk-reduction partnerships



LocationHealth supports underwriting decisions - it does not replace the insurer’s catastrophe models, actuarial processes or pricing authority.

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