FAQ

General

  • Which commercial properties are covered by the Cytora Risk Engine?

    Flood and windstorm Cytora’s flood and windstorm risk scoring models cover all types of commercia...

    Flood and windstorm Cytora’s flood and windstorm risk scoring models cover all types of commercial properties. Fire  Cytora’s ...

    Flood and windstorm Cytora’s flood and windstorm risk scoring models cover all types of commercial properties. Fire ...

    Flood and windstorm Cytora’s flood and windstorm risk scoring models cover all types of commercial properties. Fire  Cytora’s fire risk scoring model covers most commercial properties, e...

  • Which geographical regions does the Cytora Risk Engine cover?

    The Cytora Risk Engine covers Great Britain (England, Scotland, Wales). Our models do not cover I...

    The Cytora Risk Engine covers Great Britain (England, Scotland, Wales). Our models do not cover Isle of Man, Guernsey, Jersey, ...

    The Cytora Risk Engine covers Great Britain (England, Scotland, Wales). Our models do not cover Isle of Man, Guernsey...

    The Cytora Risk Engine covers Great Britain (England, Scotland, Wales). Our models do not cover Isle of Man, Guernsey, Jersey, Ireland and Northern Ireland.

Cytora Risk Engine

  • Introduction to Cytora risk scores

    About Cytora risk scores When using the Cytora Risk Engine you have access to the Cytora risk sco...

    About Cytora risk scores When using the Cytora Risk Engine you have access to the Cytora risk scores. Cytora risk scores provid...

    About Cytora risk scores When using the Cytora Risk Engine you have access to the Cytora risk scores. Cytora risk sco...

    About Cytora risk scores When using the Cytora Risk Engine you have access to the Cytora risk scores. Cytora risk scores provide a relative measure of the risk of loss for use in commerci...

  • The Cytora Risk Engine

    The Cytora Risk Engine unlocks risk targeting, selection, and pricing advantage for commercial in...

    The Cytora Risk Engine unlocks risk targeting, selection, and pricing advantage for commercial insurers. Powered by proprietary...

    The Cytora Risk Engine unlocks risk targeting, selection, and pricing advantage for commercial insurers. Powered by p...

    The Cytora Risk Engine unlocks risk targeting, selection, and pricing advantage for commercial insurers. Powered by proprietary machine learning algorithms, the Cytora Risk Engine identif...

Risk scoring model

  • How do I interpret a risk score?

    Cytora risk scores are particularly useful as relative measures of the risk of loss for a commerc...

    Cytora risk scores are particularly useful as relative measures of the risk of loss for a commercial property. The scores are ...

    Cytora risk scores are particularly useful as relative measures of the risk of loss for a commercial property. The s...

    Cytora risk scores are particularly useful as relative measures of the risk of loss for a commercial property. The scores are presented on an A–F scale (note there is no E!). A portfolio...

  • Why is there no risk score for a property?

    This depends on whether a property was identified by our risk engine or not. If a property was no...

    This depends on whether a property was identified by our risk engine or not. If a property was not identified This is due to in...

    This depends on whether a property was identified by our risk engine or not. If a property was not identified This is...

    This depends on whether a property was identified by our risk engine or not. If a property was not identified This is due to insufficient or incorrect address data being sent to us - for ...

  • Are risk scores available for properties used for both residential and commercial purposes?

    Yes, properties that are used for both residential and commercial purposes are assigned a risk sc...

    Yes, properties that are used for both residential and commercial purposes are assigned a risk score. If a property does not ha...

    Yes, properties that are used for both residential and commercial purposes are assigned a risk score. If a property d...

    Yes, properties that are used for both residential and commercial purposes are assigned a risk score. If a property does not have a risk score, it may be due to other reasons.

  • Does the overall risk score take into account properties with no risk score?

    No, properties with no risk score do not contribute to the overall risk score.

    No, properties with no risk score do not contribute to the overall risk score.

    No, properties with no risk score do not contribute to the overall risk score.

    No, properties with no risk score do not contribute to the overall risk score.

  • What do the key drivers mean?

    Key drivers give underwriters a better understanding of why a risk has a particular risk score. T...

    Key drivers give underwriters a better understanding of why a risk has a particular risk score. They are designed to help you u...

    Key drivers give underwriters a better understanding of why a risk has a particular risk score. They are designed to ...

    Key drivers give underwriters a better understanding of why a risk has a particular risk score. They are designed to help you understand a risk and provide information that helps you just...

Risk scores

  • Fire risk scores

    About fire risk scores Fire risk scores provide an immediate measure of loss risk from the fire p...

    About fire risk scores Fire risk scores provide an immediate measure of loss risk from the fire peril at both the location leve...

    About fire risk scores Fire risk scores provide an immediate measure of loss risk from the fire peril at both the loc...

    About fire risk scores Fire risk scores provide an immediate measure of loss risk from the fire peril at both the location level and the policy level. Individual risks (buildings) are ran...

  • Flood risk scores

    About flood risk scores Flood risk scores provide an immediate measure of the risk of loss from t...

    About flood risk scores Flood risk scores provide an immediate measure of the risk of loss from the flood peril at both the loc...

    About flood risk scores Flood risk scores provide an immediate measure of the risk of loss from the flood peril at bo...

    About flood risk scores Flood risk scores provide an immediate measure of the risk of loss from the flood peril at both the location level and the policy level. Individual risks (building...

  • Liability risk scores

    About liability risk scores Liability risk scores provide an immediate measure of the risk of los...

    About liability risk scores Liability risk scores provide an immediate measure of the risk of loss from both employers' liabili...

    About liability risk scores Liability risk scores provide an immediate measure of the risk of loss from both employer...

    About liability risk scores Liability risk scores provide an immediate measure of the risk of loss from both employers' liability (claims arising from employee illness or injury, sustaine...

  • Rebased Scores

    "You are comparing Apples to Oranges" Cytora Risk Scores based upon the complete UK property popu...

    "You are comparing Apples to Oranges" Cytora Risk Scores based upon the complete UK property population a.k.a. all buildings in...

    "You are comparing Apples to Oranges" Cytora Risk Scores based upon the complete UK property population a.k.a. all bu...

    "You are comparing Apples to Oranges" Cytora Risk Scores based upon the complete UK property population a.k.a. all buildings in England, Scotland and Wales. Certain factors can heavily im...

  • The overall risk score

    The overall risk score gives an immediate measure of a policy's riskiness, presented on a flat...

    The overall risk score gives an immediate measure of a policy's riskiness, presented on a flat five-point scale (A–D, F). An...

    The overall risk score gives an immediate measure of a policy's riskiness, presented on a flat five-point scale (A...

    The overall risk score gives an immediate measure of a policy's riskiness, presented on a flat five-point scale (A–D, F). An A-rated policy contains very few high-risk locations, where...

  • Windstorm risk scores

    About windstorm risk scores Windstorm risk scores provide an immediate measure of the risk of los...

    About windstorm risk scores Windstorm risk scores provide an immediate measure of the risk of loss from the windstorm peril at ...

    About windstorm risk scores Windstorm risk scores provide an immediate measure of the risk of loss from the windstorm...

    About windstorm risk scores Windstorm risk scores provide an immediate measure of the risk of loss from the windstorm peril at both the location level and the policy level. Individual ris...

Key Drivers

  • About Key Drivers

    Key Drivers show you why a risk has a particular score: For fire Key Drivers, a contribution va...

    Key Drivers show you why a risk has a particular score: For fire Key Drivers, a contribution value indicates the impact of ea...

    Key Drivers show you why a risk has a particular score: For fire Key Drivers, a contribution value indicates the im...

    Key Drivers show you why a risk has a particular score: For fire Key Drivers, a contribution value indicates the impact of each Key Driver on the risk score (relative to other Key Drive...

  • Fire Key Drivers

    How Key Drivers impact fire risk scores, and the contribution values that indicate the impact, wi...

    How Key Drivers impact fire risk scores, and the contribution values that indicate the impact, with examples. Key Drivers K...

    How Key Drivers impact fire risk scores, and the contribution values that indicate the impact, with examples. Key Dri...

    How Key Drivers impact fire risk scores, and the contribution values that indicate the impact, with examples. Key Drivers Key driver Description Criminal damage and arson risk ...

  • Flood Key Driver

    An explanation of the Key Driver which impacts flood risk scores. Note: We will add more flood Ke...

    An explanation of the Key Driver which impacts flood risk scores. Note: We will add more flood Key Drivers in future releases. ...

    An explanation of the Key Driver which impacts flood risk scores. Note: We will add more flood Key Drivers in future ...

    An explanation of the Key Driver which impacts flood risk scores. Note: We will add more flood Key Drivers in future releases. Key Driver breakdown This table shows you how the flood key ...

  • Windstorm Key Driver

    An explanation of the Key Driver which impacts the windstorm risk score. Note: We will add more w...

    An explanation of the Key Driver which impacts the windstorm risk score. Note: We will add more windstorm Key Drivers in future...

    An explanation of the Key Driver which impacts the windstorm risk score. Note: We will add more windstorm Key Drivers...

    An explanation of the Key Driver which impacts the windstorm risk score. Note: We will add more windstorm Key Drivers in future releases. Key Driver breakdown This table shows you how the...