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CAT Modeling — Input Prep & Result Roll-Up

Wraps the licensed CAT modeling software (RMS, AIR, KCC, Cotality) — InsightWorker preps the input Excel, you run the model offline, then InsightWorker ingests the result export and produces the rate-adequacy memo and committee deck.

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Insurance — CAT Modeling
Reinsurance, large commercial property carriers, MGAs, brokers placing large risks
CAT modelingRMSAIRCotalityOEP/AEPExcel

The problem

  • CAT modeler spends a day prepping the input Excel — geocoding, mapping broker construction prose to ISO codes, splitting by peril, formatting columns to match the vendor's import template (RMS exposure schema, AIR CEDE, Cotality EDM).
  • After the modeler runs the portfolio in their licensed software, another half-day goes into pivot tables to extract AAL by line of business and OEP/AEP at the return periods leadership cares about (10 / 100 / 250 / 500-year).
  • Comparing this quarter's loss estimates against the prior bound requires manually pulling both export Excels side-by-side.
  • The rate-adequacy memo is rebuilt from scratch every renewal — the structure is the same; only the numbers change.

How InsightWorker handles it

1
Pull the cleaned location schedule (or chain to the SOV-prep app if it's still raw broker output). filesystem · location-schedule-prep
2
Verify addresses and enrich with peril-specific attributes — distance to coast, elevation, FEMA flood zone, wildfire risk score. web_fetch · geocoding APIs
3
Map construction / occupancy / year-built to the vendor's ID space using the carrier's mapping playbook. agent reasoning · mapping playbook
4
Emit the vendor-format input Excel exactly matching the import template the modeler uses (column order, sheet names, validation rules). create_excel
5
Modeler runs the portfolio in their licensed CAT software (RMS Risk Modeler, AIR Touchstone, KCC, Cotality CAT FM) and exports results as Excel — InsightWorker stays out of the licensed software. (manual model run · vendor software)
6
Ingest the exported result Excel — AAL by LOB, OEP/AEP curves, top contributing locations, per-peril and per-region breakdowns. excel · agent reasoning
7
Compute deltas vs. the prior bound's export — TIV change, AAL change, top contributors moved in or out. agent reasoning · create_excel
8
Generate the rate-adequacy memo (Word) with this quarter's numbers + diff narrative, plus the committee summary deck. create_docx · create_pptx
9
Watch the input/ folder so a new SOV revision auto-triggers re-prep, and watch results/ so a fresh export auto-triggers the post-processing. scheduler · file watch

Sample prompt

"Prep the RMS input for the latest Northeast hurricane SOV. After I run the model and drop the export, generate the committee brief with delta vs. prior bound."
Deliverables: model_inputs.xlsx (vendor-format) · loss_summary.xlsx · diff_vs_prior.xlsx · rate_adequacy_memo.docx · committee_brief.pptx
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