“The diagnostic finally explained why our bodily injury severity looked calm in paid numbers but restless in incurred. Charts were plain enough for the committee, though we still had to chase two missing cause codes on our side before the final pack landed.”
Client stories
Evidence from committees, claims floors, and renewal desks
These notes reference specific Filehorizonbase engagements. Voices vary — including one that names a remaining friction — because tidy five-star widgets do not help a risk committee.
“We replaced a forty-page dump with a movement bridge and three annotated exhibits. Directors asked better questions because the reserve releases were no longer buried in footnotes.”
“Exhibit pages matched how brokers actually present ground-up experience. One placement still needed last-minute large-loss inserts from us, but the base charts held through renewal meetings.”
“The marine cluster brief gave underwriting a clear wording gap without forcing them to read six adjuster reports. Concise, and a little blunt in the right places.”
“Handlers left the half-day able to spot reopen spikes on our own anonymised triangles. A few wanted more time on recovery ratios, which we will cover in a follow-up session.”
“Reserve commentary connected finance and claims for the first time in months. Not flashy — just careful triangulation of what the extracts actually supported.”
Extended story: motor book before a Hong Kong risk committee
A regional motor portfolio looked stable on paid severity yet restless on incurred. The claims manager needed a pack that finance and underwriting would accept without a two-hour briefing.
During the Claims Portfolio Diagnostic we rebuilt accident-year triangles, isolated mid-severity bodily injury, and annotated reopen spikes that had been buried in footnotes. Two cause-code gaps delayed the final pack by four days — a mild reservation the client still mentions — but the committee used the movement bridge as its opening paper.
Outcome: directors asked about labour inflation and large property spills instead of debating chart definitions. The same structure now feeds their quarterly Board Risk Reporting Pack.
Extended story: marine large-loss cluster for underwriting
Specialist claims needed underwriting to see a wording gap across three related marine losses. Adjuster reports were thorough and unread.
The Large-Loss Narrative Brief opened with cause and exposure path, then two charts for reserve path and recovery posture. Underwriting left with one pricing recommendation and one claims-handling change — enough to amend a clause before renewal.
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