Site Risk Assessment for Insurance

What It Delivers

Assess risk at the property and building level

Understand how natural hazards intersect insured properties, from individual buildings to complex sites. Go beyond a single location-based risk rating to identify which structures and parts of a property are exposed.

Overlay parcel boundaries, building footprints, and site geometries with hazard data to see where exposure occurs and which assets may be affected. This provides a more detailed spatial basis for property-level risk assessment.

Quantify the extent of exposure

Measure how much of a property is affected and understand how exposure varies across different risk levels.

Analyse the area and percentage of a property exposed to each risk category. Where supported by the hazard data, review minimum, maximum, average, and median risk values or compare risk classes to distinguish between exposure profiles and identify areas that warrant closer investigation.

Assess individual properties or multiple sites

Apply the same assessment workflow to a single insured location, selected properties, or a larger defined area.

Define the assessment scope by selecting a point on a parcel, choosing multiple parcels, drawing an area on the map, or uploading property geometries in GeoJSON format. Assess individual buildings within the selected area or evaluate the selected geometry as a whole, depending on the needs of the analysis.

Investigate and reuse assessment results

Move from an overview of property exposure to detailed spatial results that support further analysis.

Review mapped exposure alongside a summary table of results for each assessed parcel, building, or site. Examine individual assessed areas to understand their risk categories and affected areas, then export coverage results as GeoJSON to reopen them as a layer and incorporate them into subsequent geospatial workflows.

Key Outcomes for Insurance Teams

Property-level risk visibility through detailed insights into building and site exposure

Better-informed underwriting based on quantified hazard exposure

More targeted risk reviews focused on affected buildings and areas

More efficient analysis through reusable spatial assessment results

Enterprise geospatial technology for property risk assessment

Quarticle combines geospatial processing, hazard intelligence, and spatial analytics to connect property data with the spatial context needed for insurance risk assessment.

Geospatial processing with Qarta™

Process property geometries and spatial datasets to support analysis across individual sites and multiple properties.

Hazard and event intelligence with EventHub

Bring natural hazard layers and available real-time event data into property assessment workflows to understand potential exposure to relevant hazards.

Spatial exploration with Graph

Explore property exposure on interactive maps, review assessment statistics, and export spatial results for further analysis.

Enterprise integration and deployment

Connect geospatial capabilities to existing systems through supported APIs and standard interfaces, with deployment options aligned with enterprise infrastructure and governance requirements.

Who Benefits

Underwriters

Understand property-level hazard exposure to support risk selection and underwriting decisions.

Risk Engineers & Surveyors

Identify exposed buildings and site areas to prioritise inspections and mitigation reviews.

Exposure & Portfolio Managers

Compare exposure across insured properties to identify geographic concentrations of risk.

Catastrophe Risk & Modelling Teams

Use detailed spatial exposure results as an input to further exposure analysis and catastrophe modelling.

Claims & Loss Prevention Teams

Identify properties intersected by hazard layers to help prioritise initial reviews and follow-up investigations.

Site Risk Assessment

Client Success Stories