Over time, insurers amassed increasingly large amounts of data, and steadily improved their data management capabilities. Legacy systems were brought up to spec. Data silos were bridged. New regulatory reporting requirements were accommodated.

But these days, advances in technology are generating vast new sources of data, some of which appear to be very relevant to decision-making for carriers. Consider just the technologies that bring geolocalization to risk assessment: routes, the insured, floods, weatherÂ… the list goes on.

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