DE202015009327U1 - Dashboard interface, platform, and environment that provides a platform for assessing the global risk for insurance brokers and carriers - Google Patents

Abstract

A system for parsing and distributing data in association with insurance policies, the system comprising: a non-transitory computer-readable data store providing long-term storage for a plurality of insurance records, each insurance record having information relating to a corresponding policy of a plurality of policies Storage regions of one or more storage devices having the data storage; a processor; and a non-transitory computer readable medium coupled to the processor, wherein the non-transitory computer readable medium stores machine executable instructions that are operable, when executed on the processor, to cause the processor: multiple interest registrations over a network of a first set of customer computing systems receive, each corresponding interest registration corresponding to a corresponding policy of the multiple policies; receiving, from a first computing device of a second set of customer computing devices over the network, a request for an opportunity report, wherein the request a) has at least one time frame attribute and b) at least one policy attribute, and the request is submitted via a dashboard interface; in response to the request to identify one or more registrations of the plurality of interest registries, each registration of the one or more registrations containing corresponding data corresponding to a first timeframe attribute of the at least one timeframe attribute and a corresponding policy attribute corresponding to each policy attribute of the at least one Policy attribute matches; for displaying on the remote first computing device, a graphical representation relating to the one or more registrations, wherein the graphical representation for each registration of the one or more registrations contains information regarding the corresponding policy; and provide access to the graphical representation via the dashboard interface via the network of the first computing device.

Description

background

Insurance brokers act as intermediaries for their clients, who may be persons seeking insurance cover for certain risks. Insurance brokers bring customers together with insurance providers (known as "insurance carriers") who are willing and able to provide the customer with the desired insurance coverage on favorable terms.

To bridge these two sides of the market, brokers can capture customer requirements and details of risks that need to be insured. Insurance brokers may advise clients on the type of coverage the customer should consider and the possible products offered by insurers that might be appropriate to the client's needs, as well as related matters (eg the insurance cover can be established) give advice. Insurance brokers record the client's instructions and observations regarding proposed protection and then seek offers from carriers based on each customer's requirements to find the protection that fully meets the customer's needs. These records are generally entered into one or more of the broker's computing devices.

Brokers thus effectively work in the context of insurance claims as customer advocates in the markets. The aim of the brokers is therefore to be a trusted advisor to their clients, to whom they are primarily responsible fiduciary duties. However, in order to achieve this objective, it is imperative that brokers know offerings from bearers, that they make informed recommendations, and that they end the process as quickly as possible for the client. Typically, this objective has been achieved in a largely unscientific manner, with brokers offering subjective advice based on their personal experience with bearers and their instincts.

Brief Description of Illustrative Embodiments

The present application is directed to systems and non-transitory computer-readable media defined in the claims. The present application describes dashboard user interfaces, methods, systems, and transaction environments for handling complex insurance transaction data to identify trends and opportunities in the marketplace. Insofar as the present application relates to methods and other non-utility-compatible items, these Pasasgen serve only to explain the claimed objects. An implementation of the dashboard user interface, the system, and the environment may be referred to herein as a broker dashboard. The broker dashboard can be part of an aggregated aggregation system known as the Global Risk Insight Platform (GRIP). A broker can use the GRIP broker dashboard to advise clients on making favorable insurance decisions.

The GRIP system can evolve the insurance sector by introducing for the first time a fact-based platform that allows brokers to base their advice on in-depth statistical analysis. In general, GRIP may use data collected by a broker during its global brokerage activities to help predict prediction of insurance carriers who are likely to be interested in a particular type of customer risk and provide protection to their needs, based on past behavior this customer corresponds. GRIP technology captures key statistics obtained from operations in global insurance markets. It seeks to develop traditional brokerage services by introducing statistical analysis and modeling derived from a large pool of data that can assist clients in decision-making. Its innovative technology enables a broker to capitalize on the market insight that accompanies hundreds of thousands of business deals that are brokered globally each year.

GRIP works to aggregate and process historical and accumulated information that is critical to insurance contract decisions, specifically for buyers and sellers, separately by class and geography around the globe. The information provided includes various transaction statistics that do not contain individual retail pricing data. The data is presented in a user-friendly format, which in general terms shows the extent and approximate value of a protection that carriers offer in certain classes and territories and to which they commit themselves. Sophisticated algorithms allow a broker to buy insurance in the coming months predict what informs about strategic sales and purchasing decisions, and places its customers at the top of the market.

Brokers and other entities may only be able to view Global Risk Insight Platform data specific to their country, region, state, or other category used to identify a subset of data. Carriers are also able to obtain accumulated information about business classes and territories they are interested in. This benchmarking effort enables carriers to rate their performance in general terms compared to their competitors, so they can improve their products and services and become more attractive to potential customers. The platform also provides insight into market conditions across many geographies. As such, access to the Global Risk Insight Platform technology provides indirect benefits by building a more coherent marketplace by facilitating cross-border protection.

Both sides of the market also benefit from a 'visionary' function that brings together customers whose insurance contracts need to be extended and those carriers who are at risk for the behavior of that customer, typically in competition with the established insurance provider. Customers benefit as the concept of additional vehicles increases the competition among carriers for the customer business. The Imagery feature is another example of an insurance provider who uses the wealth of previous transaction data available to them through a Global Risk Insight Platform. The traditional means of communicating to customers and carriers at the time of an extension was a bit random and based entirely on the knowledge of individual brokers. GRIP can introduce an ingenious and systematic imagination service that allows stakeholders to proactively merge customer needs with risk appetite, which in turn enables all parties to use their resources more efficiently and objectively. It also enables an insurer to better understand the market as a whole and thereby achieve the best conditions for its client, as an insurer opens its customer renewal portfolio to all carriers, regardless of whether they broker solutions provided by GRIP.

GRIP can create an increased degree of transparency in insurance markets, not only alerting brokers and their clients to worldwide market conditions, but also encouraging sponsors to make increasingly differentiated offers to clients. In an effort to create this "virtuous circle", the platform ensures that the Global Risk Insight Platform simultaneously protects against the disclosure of confidential information that has the potential to facilitate price fixing on the market.

The benchmarking service provided by GRIP can be one of the elements that will ensure that agents' instincts are backed by facts and statistics about all major insurance markets. GRIP's ability to produce benchmarking statistics is currently the best tool to back up instincts of brokers with facts and statistics across all major insurance markets. As mentioned above, prior to the development of GRIP, an insurance brokerage involved a substantial degree of subjective advice based on the personal experience of individual brokers. Subjectivity (and therefore lack of precision) was not a necessary by-product of a competitive market, in that it did not lead to more competitive negotiations in terms of scope or price. On the contrary, it often led to misguided developments in the market due to the inability of brokers to accurately assess many types of risks across different sectors and geographic regions.

Brokers used mostly their own instincts and experience for a well-founded guess at the probable direction of insurance markets to achieve the best deals for their clients. This may have led to an inability of brokers to detect market failures in terms of conditions or pricing for similar lines of business for similar customer industries in different geographic territories. It has become common practice for clients to expect a higher level from their brokers, but so far no information tools have been available to address the issue.

By inputting transaction data into a "state of the art" technology offering, GRIP can enable brokers with much more speed and accuracy to identify the carrier and contract structure that best suits each and every one of the customer's needs than generally available today in the brokerage industry. By entering GRIP data both in the bidding phase and in the binding phase, GRIP can provide insights into the shape of markets as they emerge. Brokers can predict the likely movement of markets with much greater precision across a range of product lines than they could before they were introduced.

In some embodiments, GRIP trade data may be collected at three key points during the process of concluding an insurance contract: first, when an insurance provider informs carriers of a customer contract opportunity (known as a trade or submission); secondly, if the elected institutions provide their response to a contract ("offer" or "rejection"); and third, when the customer decides which carrier option he wants to accept ("hit,""win," or "tie"). Opinion data is collected from answers to questionnaires. The information is collected by brokers and entered directly into a GRIP database at the time of the survey.

In some embodiments, GRIP provides two services: (1) the information provided to agents for use by their customers; and (2) the information provided to providers providing Global Risk Insight Platform services. Both elements are based on the same underlying data, but each provides different levels of insight presented in different ways. This differentiation is designed to satisfy both the commercial operators of the various sides of the market and the desire to comply with the competition law. For example, carriers accessing a Global Risk Insight Platform may be presented on a basic (carrier-generic) information screen or (for example, those carriers having a higher subscriber status in the Global Risk Insight Platform) a customized information screen, each known as "Carrier Dashboard", access. In contrast, brokers, on behalf of their clients, can only access specially selected information (eg, an equity perspective or custom portal) available through the "Broker Dashboard". Each broker, in some embodiments, has a specialist dashboard tailored to their own area of expertise.

GRIP allows brokers to recognize the vehicle and contract structure that best suits each of the client's needs with far greater accuracy than is generally available in the former brokerage industry. Because GRIP data is entered both in the bidding phase and in the binding phase, the Global Risk Insight Platform can recognize the shape of markets as they emerge. Brokers can predict the likely movement of markets with much greater precision across a variety of product lines than they were before they were introduced.

GRIP can also be much more efficient in the mediation process. Brokers can use GRIP to analyze a carrier's record of converting trades into offers and offers into industry, segment, product, and region bindings, giving a more accurate view of those carriers with the highest risk appetite for their clients. It may also look at factors such as deductibles and limits and begin to recognize the different risk appetites of carriers for a particular product based on the previous trading behavior of the carrier and the customer's own buying habits. Therefore, the broker may address submissions to a number of carriers who are likely to be willing to take a certain risk.

Since GRIP technology can provide market conditions information in many countries, it has the potential for cross-border and even pan-European trade if it is in the interest of a particular customer. For example, since GRIP has a complete record of trades running through its channels, it can show whether it would be more beneficial for a client to enter into a contract in Paris or Amsterdam, assuming a vehicle is willing to take a risk across EU borders.

Another use of GRIP is the imagination service, which makes it easier for those carriers to gain insight into when a customer's existing insurance contracts need to be renewed. This allows an insurer to set up an informal business tendering process on behalf of its client, which would otherwise be less competitive. Creating greater visibility has the potential to generate greater interest in a customer's habits and thus offer more options for the customer, while otherwise that client would simply have tried to extend his contract with the incumbent carrier. The vision tool facilitates systematic access to an understanding of the options available to a client, with their needs matched with the services of the carrier. It also improves the ability for carriers to use their limited resources in the most effective way to meet customer needs.

Again, however, the transparency created by the use of GRIP technology also enhances the benefits of carriers in that the type of information they have access to enables them to build more robust, competitive service offerings. It is not the kind Transparency, the effect of which, and not the intention, is to reduce the availability of competing options. Instead, the underwriter may expect that with better information communicated with, brokers are better at keeping track of the vehicle's risk appetite and value propositions and a better general understanding of the needs and needs of customers and their operating performance relative to their competitors to have. This will lead to more efficient and effective interactions, so that brokers can offer better value to customers and carriers, and enable both reinsurers and carriers to better and faster meet the needs of their mutual customers.

As used herein, competitors of a GRIP subscriber can be identified by a number of techniques. In a first example, competitor metrics may correspond to the best N (e.g., five, eight, ten, etc.) performers in the insurance market. The benefit may be based on premium share, market share, or performance specific to a metric currently being valued by a subscriber. In another example, subscribers of the insurance marketplace may be grouped by type (eg, carriers, brokers, reinsurers, etc.) and ranked within the group. In a particular example, carriers may be ranked based on a weighted analysis of factors such as trading volume, pricing and premium share. From the list of ranked subscribers, competitors may be identified as the next X above and Y below the current subscriber (eg, three above and two below the current subscriber within the ranked list). In a more concise example, subscribers may be ranked based on factors indicated by the current subscriber. For example, the subscriber M may indicate factors (eg, premium rate, feedback rating, bid / engagement ratio, etc.) that are of relative importance to the subscriber, and using the ranked list, the Global Risk Insight Platform may rank them Create a list of subscribers from which to find the next (eg X over and Y under) competitors for the current subscriber. In another example, the subscriber may enter a competitor threshold, by name, into the Global Risk Insight Platform for use in displaying competitor comparison data. For example, the threshold may be chosen to allow the subscriber to recognize competitor metrics as belonging to a particular competitor.

All data available to carriers on GRIP can be retrospective. Before being made available to carriers, the data can undergo rigorous "cleaning" to ensure that data provided will meet established standards. The data can also be processed by a processing unit, first to detect and correct anomalies, and then to perform the necessary analysis. The data will be subjected to this process for typically 45 days before being released into the Global Risk Insight Platform system on a quarterly basis. Upon release, they are merged into a data pool consisting of significantly older data points that are themselves anonymized and summed. This pooling process, with the introduction of a quarterly data entry, is designed to ensure that there is no potential for facilitating fraudulent practices, whether in theory or in practice.

In various embodiments, GRIP may provide hit rate, market flow, conversion rate, rejection rate, broker views, pipeline, statistics, and other types of information to users.

Hit rate represents the proportion of offers issued by a carrier that ultimately results in the provision of binding contracts. As with the offer rate, this information is especially useful for brokers who use a broker dashboard or portal to assess the likelihood that a given bearer will be accepted by a client. For each phase, a dashboard or portal can track the market as a whole and also enable a carrier to compete with the total average performance of its anonymous best five competitors (eg, top five performers in a certain area of the insurance marketplace, five performers, which are most similar to the current subscriber, etc.).

Market flow information may be available to vehicles using GRIP. Information may be presented on an annual basis and updated on a quarterly basis through the process of merging recent information with existing older, anonymized, collected data. Again, they can be presented on a per-cent basis against the total insurance portfolio for a particular product, customer industry and region. Users can also share the information to show established versus non-established carriers.

Implementation rate represents the proportion of trades that ultimately lead to binding offers. It can be calculated by multiplying submission rates with offer rates and then hit rates. As with submission rates, knowledge of implementation rates may allow a carrier to focus on specific industries and products where it is willing to take risks and significantly improve its service offerings.

A carrier dashboard or portal can provide insights from both the carrier's and the customer's perspective as to why insurance proposals were rejected. This information is then entered by the broker when either the carrier or the customer rejects an offer and is selected for one of twenty standardized rejection reasons. The carrier can then be presented with the top five reasons for rejecting (as a percentage of the total reasons for rejection) and further divided according to carrier preferences by product, industry, and size of the referral. The rejection reasoning data instrument is clearly performance enhancing because it allows carriers to identify key ranges in which their performance can be improved.

A broker view screen may be provided to present customer key customer opinion data. It can be based on the established Net Promoter Score ("NPS") customer loyalty metrics. At its root, an NPS rating is obtained by asking customers on a rating scale of "0 to 10" how likely they would recommend a product to a friend or colleague. Based on their answers, customers are categorized into one of three groups: supporters (9-10 rating), passive (7-8 rating), and critics (0-6 rating). The percent critics are then subtracted from the percent supporters to get a net supporter value. In the NPS system, companies are encouraged to add further questions to this question, which questions the reasons for rating the customer of the company or product. These reasons can then be provided to senior executives and management teams for follow-up.

A GRIP dashboard or portal can provide two elements in a pipeline opportunity monitoring section. The first is a statistical analysis of an insurance policy extension of the insurance provider, while the second is a report of upcoming policy extension opportunities. A statistical pipeline analysis tool may show, for each geographic area selected, the total number and total number of renewal opportunities in a reinsurer's insurance portfolio that are due within the next six months. Vehicles can see this information by product or by industry. This tool helps carriers to plan their future business. Brokers do not have access to the Carrier Dashboard.

A pipeline reporting tool can list opportunities that result from existing policies that are brokered, the extension of which is due in the next term. The information available in this case includes customer name, industry, product, approximate closing size, region and month of maturity.

In an unclaimed aspect, the present disclosure relates to a method of presenting information to a person at a dashboard interface from an insurance marketplace platform, including receiving from a remote computing device over a network, information indicating a selection of a job customer, where the information is provided by an insurance broker via the dashboard interface and the client is one of a current customer and a future customer of the insurance broker. The method may include identifying, by a processor of a computing device, a number of peer clients of the job customer, each peer customer being a customer of at least one of a number of subscribers of the insurance marketplace platform, the number of subscribers including the insurance broker, and each peer customer is identified so that it shares one or more similarities with the contract customer. The method may include identifying, by the processor, at least one product or product category, corresponding to one or more products purchased from at least a portion of the number of peers. The method may include identifying, by the processor based at least in part on the one or more products, a target amount for the insurance broker to present to the job customer. The method may include creating, by the processor, a customer report containing 1) target amount information, and 2) anonymous summary information regarding the number of peer customers, and providing, over the network, to the remote computer, access to the customer report, contain.

In some unclaimed embodiments, identifying the at least one product or product category includes creating, for display on the remote computing device, a product selection dialog containing a number of i) products and / or ii) product categories, and receiving, from the remote computing device, a selection of the at least one product or product category. Identifying the number of peer-to-peer customers may include accessing client customer demographic information and filtering a number of customers to identify a subset of the number of customers that match one or more features of the customer demographic information. The one or more features of the customer demographic information may include at least one of a geographic region and an industry.

In some unclaimed embodiments, identifying the number of peer customers includes receiving, from the remote computing device, a filter selection, the filter selection corresponding to at least one of a customer demographics feature and a product feature, and filtering a number of customers by a subset of the count of customers that matches the filter selection. The product feature may include at least one of a premium amount, a limit amount, and an insurance value total amount.

In some unclaimed embodiments, identifying the number of peer customers includes creating, for presentation to the remote computing device, a customer selection dialog containing a number of potential peers, and receiving, from the remote computing device, in response to the customer selection dialog, at least one advertisement part of the number of peers. The anonymous summary information may include at least one of a reward value for each peer-to-peer customer, a peer-to-peer peer-to-peer, and an peer-to-peer equivalent peer customer peer value. The anonymous summary information may include at least one of i) a graph of exposure to premium, ii) a graph of limit versus exposure, iii) a limit versus premium graph, iv) a rate per exposure graph, v) a graph of total Deductible, limit and installment, and vi) include a graph of deductible per claim, limit and installment. The anonymous summary information may include comparison data of the job customer.

In some unclaimed embodiments, creating the customer report includes creating a sector overview section that includes at least one of i) an average portfolio and ii) an average premium cost corresponding to a subset of the number of subscribers sharing demographics of the job customer. The demographic information may include a geographic region and industry. Creating the customer report may include creating a product category overview section that includes at least one of i) an average exposure, ii) an average limit, and iii) average premiums of a subset of the number of subscribers who have purchased one or more products belonging to one belong to the first product category of at least one product or at least one product category.

In one aspect, the present disclosure relates to an unclaimed method of presenting information to a person at a dashboard interface from an insurance marketplace platform, including receiving, from a remote computing device over a network, a request for a cross-selling analysis, the request having a reinsurance entity that subscribes to the insurance marketplace platform and the request is submitted via the dashboard interface. The method may include identifying, by a processor of a computing device, a number of reinsurance transactions pertaining to the reinsurance entity, each reinsurance transaction including the number of reinsurance transactions i) a customer and ii) a premium value. The method may include calculating, by the processor, a current premium value as the sum of premium values of the number of reinsurance transactions. The method may include identifying, by the processor, a number of possible reinsurance transactions, wherein each possible reinsurance transaction is the number of possible reinsurance transactions i) a client of the reinsurance entity, ii) a reinsurer other than the reinsurer, and iii) a premium value contains. The method may include calculating, by the processor, a possible premium value as a sum of premium values of the possible reinsurance transactions. The method may include creating, by the processor, for display on the remote computing device, a graphical comparison of the potential reward value with the current reward value, and providing, over the network, the remote computer, access to the graphical comparison.

In some non-claimed embodiments, the query for a cross-selling analysis includes filter information containing one or more of the geography, product, and business line. The method may include filtering the number of reinsurance transactions and the number of possible reinsurance transactions by the filter information. A calculation of the potential premium value may include calculating the sum of premium values as a set of two or more of a) premiums on layers with participation of the reinsurance entity, b) premiums on contracts involving the reinsurance entity, and c) premiums on customers with the participation of the reinsurer contain. Creating the graphical comparison may include creating a waterfall distribution of a premium graphic that includes a dip in each of i) the current premium value, ii) premiums on layers with reinsurers' participation, ii) premiums on contracts involving the reinsurer, and iv) premiums includes customers with reinsurance participation.

In some non-claimed embodiments, the method includes calculating, by the processor, a total premium value for the reinsurance marketplace, wherein creating the graphical comparison includes creating a graphical comparison of the potential premium value with the total premium value. A calculation of the total premium value includes subtracting both the current premium value and the potential premium value from the sum of premium values for the reinsurance marketplace.

In an unclaimed aspect, the present disclosure relates to a method of presenting information to a person at a dashboard interface from an insurance marketplace platform, including receiving, from a remote computing device over a network, a request for premium stream analysis, the request having a reinsurance entity that subscribes to the insurance marketplace platform and the request is submitted via the dashboard interface. The method may include identifying, by a processor of a computing device, a number of reinsurance transactions in which the reinsurance entity is involved, each reinsurance transaction comprising the number of reinsurance transactions i) a cedant seat, ii) a brokerage seat, iii) a reinsurance seat, and iv Premium value contains. The method may include identifying, by the processor, a source location and determining, by the processor, a flow direction, the flow direction including one of a) cedant to reinsurer, b) broker to reinsurer, and c) cedar to broker. The method may include computing, by the processor, premium contributions for each geographic region represented in at least one of i) the cedant seat, ii) the brokerage seat, and iii) the reinsurer seat of the number of reinsurance transactions, the premium contributions being based on the flow direction can be calculated. The method may include creating, by the processor, for display on the remote computing device, a graphical representation of premium contributions from the source location in the flow direction to each geographic region, and providing, over the network, the remote computer, access to the graphical representation of premium contributions.

The graphical representation of premium contributions may include at least a portion of a world map. A summary report may include the graphical presentation of premium contributions. The graph may indicate for each geographic region a subscriber premium as a percentage of a total premium of the insurance marketplace. The request for premium stream analysis may include filter information that includes one or more of a) a product and b) a business branch, the method further including filtering the number of reinsurance transactions by the filtering information.

In an unclaimed aspect, the present invention relates to a method of presenting information to a person at a dashboard interface by an insurance marketplace platform, including receiving, from a remote computing device over a network, a request for a pipeline report, wherein the Request is associated with a carrier company that subscribes to the insurance marketplace platform and the request is submitted via the dashboard interface. The method may include identifying, by a processor of a computing device, a number of insurance transactions in which the sponsor company is involved, each carrier transaction containing the number of reinsurance transactions i) a status and ii) an interest registration date, the interest registration date being at registration of interest by a broker in pursuing the particular insurance transaction. The method may include computing, by the processor, for each status type a number of status types, a total number of status inquiries, the number of status types a) pending, b) bearers rejected, c) customer rejected, and d) bound. The method may include creating, by the processor, for display the remote computing device, comprising a graphical representation of the number of transactions, wherein the graphical representation includes at least one of a graph and a graph and one or more portions of the graph are, when selected, configured to provide the user with a detailed list of at least one of Part of the number of insurance transactions, wherein the at least part of the number of insurance transactions for the selected part of the graphical representation is representative. The method may include providing access to the graphical representation over the network to the remote computer.

The request for the pipeline report may include a scope of data corresponding to at least one of a) the interest registration date and b) a policy expiration date, according to an already existing policy, wherein the enrollment of interest has an interest in at least one of renewing and renegotiating the policy already existing policy. The request for the pipeline report may include filter information representing one or more of i) a product category, ii) an insurance carrier division, iii) a geographic region, iv) a customer industry, and v) a product. Identifying the number of insurance transactions may include filtering the number of insurance transactions by the filter information. The graphical representation may include a waterfall graphic.

In an unclaimed aspect, the present disclosure relates to a method of presenting information to a person at a dashboard interface from an insurance marketplace platform, including receiving from a remote computing device over a network, a request for a loss analysis presentation, the request having a carrier company that subscribes to the insurance marketplace platform, and the request is submitted via the dashboard interface. The method may include identifying, by a processor of a computing device, a number of historical insurance transactions involving a number of carriers, including the carrier company, each carrier transaction containing the number of reinsurance transactions i) a premium value and ii) a claim value; the historical insurance transactions represent a period of time. The method may include calculating, by the processor, for each carrier of the number of carriers, a total award value and a total claim value, and calculating, by the processor, for each carrier the number of carriers based on the total premium value and the total claim value , at least one of a total loss value and a loss ratio. The method may include creating, by the processor, for presentation on the remote computing device, a graphical representation relating to a carrier loss comparison, wherein the graphical representation includes at least one of the total loss value and the loss ratio, and providing, over the network, to the remote Calculator, from access to the graphical representation included.

In some unclaimed embodiments, creating the graphical representation includes anonymizing the number of wearers and identifying the at least one of the total loss value and the loss ratio associated with the wearer company. The method may include identifying, from a number of subscribing bearers, the number of bearers as competitors of the bearer company, wherein anonymizing the number of bearers includes determining that the number of bearers is below a threshold of competitors, and summing the at least one of the total loss value and the loss rate to obtain an average competitor loss value and an average competitor loss rate, wherein the compiling the carrier loss comparison representation includes presenting the average competitor loss value and the average competitor loss rate. The Loss Ratio may be divided into a Loss Rate for a Paid Value and a Loss Rate for an Acquired Value.

Brief description of the figures

1A to 1F show dashboard user interfaces for reviewing and analyzing insurance transaction information and other statistical data collected across an insurance marketplace environment.

2 FIG. 12 is a process flow diagram of an example method for generating a report regarding target amounts. FIG.

3A . 3B , and 3F show exemplary scatter plots for presenting information in a performance comparison report.

3C to 3E show exemplary bar graphs for presenting information in a performance comparison report.

4A and 4B show exemplary diagrams illustrating sector distributions in a performance comparison report.

5A to 5C show exemplary bar graphs illustrating product category distributions in a performance comparison report.

6A to 6F show exemplary bar graphs illustrating a product metric comparison with a selected group of competitors in a performance comparison report.

7A to 7C 10 show exemplary scatter plots that illustrate a product metric comparison with a selected group of competitors in a performance comparison report.

8th FIG. 12 is a process flow diagram of a method that may be used to generate insurance transaction statistics. FIG.

9 Fig. 12 shows a screen adapted to receive transaction data through a set of input fields.

10 FIG. 10 shows a display embodiment showing a set of insurance premium sums registered by geographic region with corresponding trade numbers.

11 Figure 11 shows a display arrangement that maps insurance premium sums for each of a set of insurance carriers.

12 Figure 12 shows an insurance transaction statistics display arrangement that includes a premium amount of a bound policy sum and a trade total number statistic associated with each of a set of insurance carriers.

13 Fig. 14 shows an insurance transaction statistics display arrangement containing submission-to-tender relationships associated with each of a set of insurance carriers.

14 shows a transaction statistics display arrangement containing submissions rejected by the carrier.

15A to 15C show ad orders containing pricing trends and rate changes.

16A shows a trading expiration advertisement arrangement of one of three key metrics over a period of time.

16B shows a submission flow chart for an insurance segment where only the selected bearer with an average competitor line is registered.

17 Figure 12 shows a data display arrangement of key metrics for four previous quarters for both a selected insurance carrier and the best competitors for the insurance carrier.

18A and 18B show display arrangements of vehicle losses.

19A shows a display arrangement of a sum of carrier rejection reasons.

19B shows a data display arrangement of insurance contract trade refusal reasons for a wearer.

19C shows a data display arrangement of insurance contract trade refusal reasons for a customer.

19D shows a detailed analysis of insurance contract trade refusal reasons.

20A FIG. 12 shows an advertisement arrangement of broker views based on carrier performance overview (s). FIG.

20B Figure 4 shows that the broker's view ad ordering may include options for displaying carrier performance details based on a life cycle segment of the brokerage process.

21A Figure 12 shows a pipeline data display arrangement showing transaction opportunities for an insurance carrier preview over a coming period.

21B shows a report that can be generated from a pipeline ad.

21C and 21D show pipeline data display arrangements that show transaction opportunities for which one or more brokers initially registered interest through the Global Risk Insight Platform.

22A and 22B show premium portion data display arrangements showing insurance-insured premium statistics and total premium share over the best insurance product lines of a brokerage firm.

23 shows an exemplary portal screenshot containing risk data.

24 shows an exemplary screenshot that presents high-quality summary information regarding a competitive performance of a reinsurer in the global market.

25A to 25F show exemplary screenshots that present a performance comparison of the performance of a reinsurer against a group of competitors.

26A and 26B show exemplary screenshots presenting premium stream analysis between geographic regions.

26C shows an exemplary screenshot that presents a cross-selling analysis showing a breakthrough in a reinsurance business.

26D shows an exemplary screenshot of a cedar sales pattern analysis.

26E shows an exemplary screenshot of a performance analysis of a reinsurer compared to the overall market pricing.

27 FIG. 12 is a flowchart of an example method for determining strategic and tactical components of performance metrics. FIG.

28A and 28B show various aspects of an example architecture that implements a Global Risk Insight Platform (GRIP).

28C and 28D show a web server connected via a network to a number of tablets and other web-enabled devices through which a user can initiate and interact with the GRIP system.

Detailed description

The present disclosure describes methods, systems and transaction environments for providing knowledge and insights to insurance brokers, reinsurance brokers and insurance carriers in an insurance marketplace environment. Aspects of the present disclosure discuss collecting insurance transaction data and generating insurance contract transaction statistics (also referred to herein as insurance transaction statistics or only transaction statistics) for display to an insurance broker or reinsurance broker via a computing device (eg, through a dashboard user interface). Data on insurance contract transactions may be collected by any of a number of subscriber (insurance and reinsurance) computing devices that are geographically widely located. The data can be filtered to specific parameter values and these parameter values can be summed over the number of computing devices. Insurance contract transaction statistics can then be generated based on the summed data and will be organized into unique data combinations and advertising arrangements to assist a broker in the care of insurance clients and insurance carriers. The insurance contract transaction statistics may then be made available for display on one or more of the computing devices via a broker dashboard user interface or a reinsurance dashboard user interface.

Aspects of the present disclosure describe methods, systems, and transaction environments that enable instances (insurance carriers, reinsurance carriers, and insurance brokers) to interact with a Global Risk Insight Platform and insurance marketplace environment via graphical user interface dashboards. The terms instance and subscriber are used herein to describe one or more of insurance carriers, reinsurance carriers, and insurance brokers. Each dashboard contains a number of controls that are configured to show information that is relevant to the type of instance when the instance (insurance carrier, reinsurance carrier, and insurance broker) is selected. The controls presented to a particular instance may be configurable based on a user profile. For example, an insurance carrier may choose various features (controls, controls, and / or other informational displays) to be included in a custom dashboard. The degree of customization may, in some embodiments, be based on a subscriber level associated with a particular subscriber (eg, a customization may be an option based on payment of an additional fee). In another example, features provided in the dashboard may be partially designed at a user authorization level. For example, an insurance broker employed by a brokerage company may have access to a limited view of business metrics, while a CEO or board member may have unlimited access to business metrics.

Starting with the insurance brokers, are 1A and 1B Screenshots of an exemplary broker dashboard 100 for accessing insurance customer and brokerage company information through a Global Risk Insight Platform and insurance marketplace environment. The dashboard 100 is part of a website, web portal, personal computer application, or mobile device application that is configured to provide the broker an interface with the Global Risk Insight Platform and insurance marketplace environment.

The dashboard 100 is for a "performance comparison" register 114a open. Other registers available to the broker include an "overview" register 114b and a "Research and Analytics" registry 114c , The broker can go to the additional registers 114 navigate to gain access to various information. For example, the "overview" tab 114b present a customized set of controls that present quick information that is important to the broker's daily activities. Exemplary Aspects of the "Research and Analytics" Register 114c are down in terms of 1B described.

As in 1A presented, presents a "reports" field 102 the broker two navigation controls 116 for accessing benchmarking reports. A broker can use performance comparisons to understand and confirm limits, compare customer exposures and risk placements to customer exposures and risk allocations of peer customers, premium expense within a category (e.g., sector, geography, product, etc.). evaluate and rate rates by reviewing whether a customer's rates are in line with rates of peer customers (eg, total, geography, sector, product, etc.). The broker may review product performance comparison reports, for example, to gain insight into customer sectors, product purchasing patterns, and / or customer positions with respect to selected peer-to-peer customers. A first navigation control 116a When selected, presents the broker with a list of previously created benchmarking reports. Through the first navigation control 116a In some examples, the broker may review an existing report, download (eg, to a portable storage device), print, forward (eg, e-mail, fax, etc.), and / or delete. A second navigation control 116b When selected, presents to the broker a list of performance benchmarks in progress, for example, some of which have been prepared on an earlier occasion and are intended for further processing. Additionally, in some implementations, previously created reports may be edited and altered by the navigation control 116a "Finished reports" is selected.

In some implementations, to create a new report, a user selects customer information via a "customer identification" field 104 , The "identification of the customer" field 104 contains three navigation controls 118 - a "selection of an existing customer" control 118a , one " Add a future customer "control 118b , and a "no customer" control 118c , When activating the "Selection of an existing customer" control 118a For example, the broker may be presented with a drop-down menu, search box, or other selection control for identifying a customer who currently has an insurance program with the insurance marketplace environment. The customer may be an existing customer of the broker or the customer may have an account at the insurance marketplace without having an existing relationship with the broker. The "Add a future customer" control 118b allows the broker to add a customer who does not yet have an account in the insurance marketplace. For example, the broker can enter a name for the new customer. The Global Risk Insight Platform may attempt to find a same or similar customer name in the insurance marketplace upon receipt of the identified future customer in order to avoid duplication in the Global Risk Insight Platform and insurance marketplace environment. If the customer does not yet exist in the insurance marketplace environment, the prospective customer can be added. Optionally, information regarding the future customer may be the "adding a future customer" control 118b to be added. For example, the broker may enter a business sector, geographic location, business size, and / or business information to categorize the type of future customer entered.

If the broker wants to generate a report that is not related to a particular customer, the broker chooses the "no customer" control 118c , In this way, the broker can create performance comparison reports to track trends by identifying existing key customers by providing those customers with a "managing peer" field 106 be identified. In another example, the broker may use the "no customer" control 118c to create a baseline report that can later be copied and assigned to one or more future and / or existing customers. For example, upon receiving program information, the "no customer" baseline report may be changed by adding future customer information. In another example, the broker may create an example report for a prospective customer who does not want to disclose information at this time. This is also useful if the broker has no program information regarding a prospective customer.

In some implementations, the broker may submit one or more products to the new performance comparison report through a "Product Management" field 108 Add. For example, the broker may have a "Product Categories" navigation control 122a use to navigate through information about product categories and product types. For example, the broker dashboard 100 when selecting the "Product categories" navigation control 122a present a list of product categories, as in some examples automobile, accident, employee benefits, employer liability insurance, product liability, professional liability and property insurance. If the broker an existing customer through the "selection of an existing customer" navigation control 118a has chosen, the broker dashboard 100 promote the products purchased by the chosen customer in the product category selection. For example, the products purchased by the selected customer may be highlighted in bold, in a different color, and / or displayed at the top of the list to facilitate the broker's choice of relevant products for the selected customer. The broker may instead or additionally decide to find one or more products that have not yet been purchased by the chosen customer, for example, as penetration possibilities.

Furthermore, the broker can receive one or more exposure variables in each product category for selection. For example, the broker may select an "Exposure" control 122b Refine selected products by desired exposure (s). Within the category of professional liability, exposure variables may include, in some examples, sales / sales, square footage, total assets, total insured value and / or number of policy years. The broker can control a number of product / exposure combinations through the "Product Categories" navigation control 122a and / or the "Exposure" navigation control 122b choose. The Global Risk Insight Platform, in some embodiments, limits the maximum number of products or product / exposure combinations available within a single report. In a particular example, the Global Risk Insight Platform may limit the broker to choosing more than four, five, or eight products. For example, larger reports may be cumbersome or difficult for a customer to understand, and multiple reports may be created on behalf of a single customer.

The broker may decide to set a target amount for the chosen (existing or future) customer through a "target amount" control 122d to choose. For example, the broker dashboard 100 , when selecting the "target amount" control 122d show the broker one or more available options for one or more of the selected product / exposure combinations. For example, the Global Risk Insight Platform search for available options for any product / exposure combination not already purchased by the chosen customer. For example, each opportunity shown may include a reward value, an exposure amount, a limit, and a deductible. If instead there is no available opportunity for the selected customer for a particular product / exposure combination, the broker dashboard may 100 issue an alert to the broker (e.g., pop-up message, flag, warning icon, etc.) regarding a lack of available opportunity.

If the selected customer has provided program information, the broker can set a "Custom Possibility" navigation control 122d Select to enter custom option information. For example, the broker dashboard 100 when selecting "Custom Possibility" navigation control 122d Present an interface to the broker that is configured for an entry of user-specific data representing the exposure value, premium, limit, type of deductible, and deductible value. Although the user-defined option is entered through the global risk information platform for the purpose of the current report, in some embodiments, the custom option is not added to the insurance marketplace environment for selection outside the scope of the present report.

When identifying a customer using the navigation controls 118 (and optionally one or more products via the "Product Management" field 108 ), the broker can be a peer of the customer (or, if no customer was identified, a selected group of customers) through the "Managing Peer" field 106 identify. By selecting a "view of available peer" navigation control 120a can the broker dashboard 100 For example, present to the broker an interface for selecting peers from a list of existing customers of the insurance marketplace environment. The peers may, in some embodiments, be limited to customers who have purchased the products from the broker through the "Product Management" field 108 be identified. To assist in choosing the broker dashboard 100 Present selected information regarding each peer available, as in some examples, a country, a premium amount, an exposure amount, a limit, a type of deductible, an industry, and a business sector description.

Identifying an existing customer as a peer of the identified (eg existing or future) customer may include, in some examples, a comparison of customer demographic information. In one example, the peers of an identified customer include other customers within the same employee sector. The demographics may include geographic location, size, and / or runtime in other examples. By selecting a "view of peer candidate" navigation control 120b presents the broker dashboard 100 in some implementations, the broker has a list of peer candidates evaluated based on demographic information corresponding to the chosen customer. In other implementations, the "peer candidate view" navigation control presents 120b if selected, the broker a list of the one or more peers already selected (eg, while the broker continues to fill in an incomplete report). In other embodiments, the broker may provide an exemplary peer (eg, a principal competitor of a prospective customer), and the platform may select a peer candidate list based on the demographic information of the illustrative peer. For example, when identifying a particular fertilizer company, other agricultural and / or industrial chemical organizations of the same size / geography / maturity can be identified. Furthermore, the platform may suggest industries and / or product interests based on the demographic information of the exemplary peer. For example, when identifying a delivery service, the platform may recommend a peer search based on organizations that have purchased vehicle fleet products.

In some implementations, to focus on the kind of peers the broker is interested in, the broker may be a "peer by geographic region" navigation controller 120d , a "peer by industry" navigation control 120e , and / or a "peer-to-limit" control 120f choose. In addition, in some implementations, the filters may be used sequentially or simultaneously, such as peers by geography and by industry, or peers by limit size and by industry. Other ways to filter customers into selection include peers by award size, peers by exposure amount, peers by type of deductible, and / or peers by business.

In presenting possible peers based on a product / exposure comparison, the platform can highlight the quality of data available to each peer. For example, the broker may desire to obtain data representative of at least the last two years. Any potential peer with no available information for the full time period may be considered as an ineligible candidate. Further, although data is available, in some embodiments, the platform may be concerned about the quality of the data. For example, the data for a given peer candidate may be considered questionable due to one or more inconsistencies between data values maintained in the insurance marketplace environment. Inconsistencies may, in some instances, be differences in insurance platform premium value and clearing system premium value, an exposure value that is lower than a threshold (eg 10 for value exposures and 4 for number of exposures), limits that are below a threshold ( eg 10) and / or premiums below a threshold (eg 10). In the case of missing data or severe validation errors, the global risk information platform may block a selection of a particular peer candidate (eg, the data can not be trusted).

In some implementations, the broker chooses a "selection of possible peer" navigation control 120c to refine the candidates of equal rank by means of certain possibilities (eg products / exposures). For example, a particular peer candidate may have purchased a number of products in the insurance marketplace environment. The broker can also refine peer candidates by applying one or more filters. Filter criteria may include, in some examples, geographic region, year (s) of data for review, premium amount (or amount), limit amount (or amount), exposure amount (or extent), industry, and / or standard industrial Classification (SIC) code included. The global risk information platform, in some embodiments, requires a minimum threshold number of selected peers that is relevant to each selected opportunity to generate a report. For example, the dashboard 100 require brokers to activate at least five peer candidates for a given opportunity. In addition, the dashboard 100 Limit the broker to a maximum threshold number of possibilities, such as twenty possibilities.

In some implementations, this is the broker dashboard 100 if possible peers are selected, the broker has the option of choosing one or more peer comparison charts to present peer comparison performance statistics. In a "Diagrams Management" field 110 the broker is presented with graphical display options that include a number of types of scatter charts 124 and bar graphs 126 each presenting different statistical information.

As shown, the scatterplot options include 124 an "Exposure to Bonus" curve type control 124a , a "Limit versus Exposure" curve type control 124b and a "limit versus premium" curve type control 124c , With reference to 3A shows an exemplary curve 300 a spread of exposure versus premium (eg, as by the "exposure to premium" curve type control 124a made available). For example, each data point may correspond to a particular peer. In addition, if the broker has chosen to include data of more than one year, in some embodiments, data from peers may be displayed separately each year (eg, a 2011 data point and a 2012 data point). Once an existing customer is identified, a data point representing the customer is included in the scatter plot 300 added. In this way, the customer can compare his data metric with a peer distribution of the same metric. The peers, as previously noted, are rendered anonymous to protect individual data representations. Similar to the reproduction of the exemplary curve 300 shows an exemplary curve 320 from 3B a scatter distribution of limit versus exposure (eg as from the "limit versus exposure" curve type control 124b provided) and an exemplary curve 390 from 3F shows a litter distribution of limit versus premium (eg as from the "limit versus premium" curve type control 124c made available).

Looking at the scatter plots, the more linear the data of equal ranking appears in the curve, the stronger the ratio between two elements becomes. As in 3A and 3F the peers selected do not show a strong relationship between the elements, whereas the peers in 3B show a strong balance between the limit and sales / sales items. [As noted previously, to protect statistical data representing individual customers, customers are within the curves 300 and 320 not identified. In the case of a pre-existing selected customer, however, the curve representing the chosen customer may be identified with a unique identifier (eg, shape, color, and / or label). In some embodiments, the scatterplots show 300 . 320 and 390 "Summary" or "Preview" curves. For example, in a hyperlink-based report, a selection of one of the scatterplots 300 . 320 or 390 the broker a more detailed version of the chosen curve 300 . 320 or 390 present, similar to the example of the graphic 720 from 7B , In In another example, the user interface may present thumbnails or preview curves to the broker during reporting once the broker has entered a threshold (eg, five) of possible peers.

Referring again to 1A contain the bar graphs 126 as shown, a "Rate Per Exposure" graphics type controller 126a , a "Total Deductible, Limit and Rate" graphics type control 126b and a "deductible per claim, limit and rate" graphics type control 126c , Exemplary bar graphs are in 3C to 3E shown. As noted previously, to protect statistical data representing individual customers, customers are within the graphics 340 . 360 and 380 not identified. In the case of a pre-existing selected customer, however, the bar representing the chosen customer may be identified with a unique identifier (eg, shape, color and / or label).

With reference to 3C shows an exemplary graphic 340 a graphical comparison of rate per exposure (for example, rate-per-exposure graphics type control 126a made available). An exemplary graphic 360 from 3D shows a graphical comparison of deductible per claim, limit and rate (for example, the "deductible per claim, limit and rate" graphic type control 126c made available). The graphic 360 gives a comparison of five different peers who have a certain type of deductible. Rate information is represented by scatter plot markers attached to each bar, while each bar represents both a deductible (lower portion) and a limit (upper portion). With reference to 3E shows an exemplary bar graph 380 a graphical comparison of total deductible, limit and rate (such as through the "Total Deductible, Limit, and Rate" graphic type control 126b made available). The graphic 380 shows a comparison of six different customers who have a certain type of deductible. Rate information is represented by scatter plot markers attached to each bar, while each bar represents both a deductible (lower portion) and a limit (upper portion). As with the scatterplots of 3A . 3B and 3F can the bar graphs of 3C to 3E Show thumbnails or preview images provided to the broker for previewing report information during reporting. The graphics presented in the report may contain a higher level of detail than the information displayed in the bar graphs of 3C to 3E are presented.

Referring again to 1A Contains a "Report Preview" field when creating the finished report 112 a number of controls 128 that allow the broker to choose display options and preview the report information. A "sector overview" navigation control 128a presents, upon selection, the broker an interface for adding industries to a sector overview section of the report. The sector overview section provides the broker with average customer statistics representing insurance activity of one or more particular geographic regions and industries within the insurance marketplace environment. For example, the sector overview section may present statistical information regarding customer insurance portfolio composition and customer premium expenditure. To initialize the sector overview section of the benchmarking report, the broker may be requested to select at least one geographic region and at least one industry. In a particular example, the broker may choose a global geographic region and the healthcare industry. In response to this selection, the Global Risk Insight Platform can create graphical displays to display a sector-based analysis of customer statistical information. Exemplary graphic displays are in 4A and 4B provided.

With reference to 4A shows a ring graphic 400 average percent of premium by product within a chosen industry. The graphic segments include the main financial, accident / liability, property, automotive and employer liability insurance products as well as a remaining wedge labeled "Other". For example, the Other segment may represent products that are not common in the industry chosen and / or that represent a minimal proportion of the total premium budget within the selected industry. The broker can use the ring graphic 400 For example, to identify products where the chosen (eg future or existing) customer has a buying interest based on products purchased from other customers within the same industry.

4B shows a bar graph 420 which represents a premium distribution among customers of the insurance marketplace environment for the chosen industry. The bar graph 420 divides insurance premiums into ranges, where bars represent the frequency with which customers buy at a certain premium level. The broker can do the bar graph 420 consider to determine the size of customers chosen in the Industry are represented. As in the bar graph 420 As shown, the insurance marketplace environment includes a range of customers from very small to very large within the chosen industry.

Referring again to 1A , presents a "Product Category Overview" navigation control 128b within the "Report Preview" field 112 , upon selection, to provide the broker with a statistical analysis of exposures, limits and premium information of clients of the insurance marketplace environment for each product category via the "Product Categories" navigation control 122a of the "Product Management" field 108 is selected. 5A to 5C show exemplary graphical displays of statistical product category information. With reference to 5A shows a bar graph 500 an exposure distribution for customers who have purchased a chosen product (eg general liability). The bar graph 500 divides the total insured value into ranges, with bars showing the frequency of exposures of the selected product at a given level of value. With reference to 5B shows a bar graph 520 a limit distribution for customers who have purchased a selected product. The bar graph 520 divides limits into ranges, where bars show the frequency of customers at a given limit. With reference to 5C shows a bar graph 540 a bonus distribution for customers who have purchased a selected product. The bar graph 540 divides premium into ranges, where bars show the frequency of bonus purchases for a given premium amount range. A broker can do the bar graphs 500 . 520 and 540 To look up a profile for peers within the industry of the chosen customer, buy the products in the chosen category.

Back to 1A , presents a "competitive product comparison" navigation control 128c within the "Report Preview" field 112 if so selected, provide the broker with a statistical analysis of information relating to comparisons between the selected client and the selected group of peers in terms of premium, exposure and limits. The broker can provide information through the "competitive product comparison" navigation control 128c to determine a relative orientation of the selected customer with the peer group. Exemplary graphical displays for competitive product comparison are in 6A to 6C and 7A to 7C shown.

With reference to 6A to 6C A series of bar graphs show an analysis of a peer group containing the average value for each of premium, limit, and exposure. 6A for example, shows an exemplary bar graph 600 of reward values for each customer in the peer group for the particular product. A line 602 shows an average premium value. As noted previously, to protect the identity of statistics associated with a particular customer, customers are marked Ca01 through Ca08. The chosen customer, if it is an existing one who has purchased that particular product, may be presented in a manner that draws the attention to the chosen customer, as in some examples by highlighting, using a different color or outline, and / or labeling the bar representing the chosen customer with the name of the customer. As shown, customer "ABC Ltd." is shown in a darker shade than the surrounding peers for peers. Likewise shows 6B an exemplary bar graph 620 of limit values for each customer in the peer group for the particular product. A line 622 identifies the average limit value. Finally shows 6C an exemplary bar graph 640 of total insured values for each customer in the peer group for the particular product. A line 642 identifies the average insured value. Other graphical analyzes can use a rate graph 660 from 6D showing premium per sales / sales for a chosen product (general liability), a graph "Price per million sold limit" 680 from 6E That shows the ratio of each peer's premium compared to any one million limit, a "deductible per claim" graph 690 from 6F and / or a "Total Deductible, Limit and Rate" graph specific to the selected product (similar to the bar graph 380 from 3E ), contain.

7A to 7C show exemplary scatterplots showing a product metric comparison with a selected group of peers in a performance comparison report. With reference to 7A shows a scatter plot 700 a distribution of limit versus premium for the selected group of peers and the selected product. Each peer within the peer group, Ca01 through Ca05, is in the scatter plot 700 individually marked. The chosen customer, in the case of an existing one who has purchased this particular product, may be presented in a manner that draws the attention to the chosen customer, as in some examples by highlighting, encircling, marking with an icon such as an arrow and / or marking the customer within a legend 702 with the customer name 704 , The legend 702 Also includes a premium value and exposure value for each peer customer Ca01 through Ca05. As in the scatter plot 700 In general, the premium generally increases as the limit rises. If the chosen customer is an outlier from the linear Trend is through the scatter plot 700 the broker may suggest that the customer consider a resale decision.

Similar to the scatter plot 700 is 7B an exemplary scatter plot 720 representing the limit value over the premium value for each of the peer customers Ca01 to Ca08, where a legend 722 both on the premium value and the limit value for each peer customer Ca01 to Ca05 as well as the customer ABC Ltd. 724 points. Further is 7C an exemplary scatter plot 740 , which represents the limit over exposure for each of the peers Ca01 to Ca05, being a legend 742 both the total insured value and the limit value for each peer customer Ca01 to Ca05 as well as the customer 744 points. The scatter plot 740 for example, is shown for exposure variables that are "value" exposures and not "number of" exposures.

Referring again to 1A For more satisfactory design of report information, the broker may provide a "Full Report" navigation control 128d to see complete information presented in the performance comparison report. When selecting the "Full Report" navigation control 128d can the broker dashboard 100 For example, present to the broker a user interface for removing or reordering report pages (eg, arranging the sector overview before competing product comparison, etc.). Further, the user interface may include controls that allow the broker to choose a currency to present monetary values and / or to choose a geographic region to which the report is directed. The broker may then choose to name and save the report as a completed report or as a work in progress report (if the broker determines that work is still required to generate the report information).

2 shows a process flow diagram of an example method 200 to create a performance comparison report presenting statistical information pertaining to an insurance customer identified by an insurance broker. The procedure 200 For example, it contains steps that a broker uses through the broker dashboard interface 100 from 1A can perform.

In some implementations, the method begins 200 with receiving information indicating a customer's selection ( 202 ). Information may be provided by a user of a Global Risk Insight Platform of an insurance marketplace environment through a software application interface. As for example in terms of 1A A broker can provide customer information through one of the navigation controls 118a within the "customer identification" field 104 the broker dashboard 100 enter.

If the customer is an existing customer ( 204 ), in some implementations, a customer industry sector is called ( 208 ). For example, if a customer has the "selection of an existing customer" navigation control 118a was chosen as in 1A described, the Global Risk Insight Platform industry information in conjunction with the identified customer, as well as in some embodiments, may retrieve additional demographic information (eg, geographic region, duration, etc.).

If, instead, the customer is a future customer ( 204 ), an indication of the industrial sector of the future customer can be received ( 206 ). For example, future customer information including a customer name and customer industry sector may be managed by a broker using the "Add a Future Customer" navigation control 118b from 1A be entered.

In some implementations, information is received that includes a selection of one or more insurance products ( 210 ) Show. For example, the product information may include one or more product categories and / or product exposures selected from a menu system. For example, a broker can control product categories through the "Product Categories" navigation control 122a the broker dashboard 100 from 1A and product exposures via the "Exposure" navigation control 122b choose. The product information may in some examples include exposure value, premium, limit, type of deductible and / or deductible value.

In some implementations, a target amount is identified ( 212 ). For example, using the information display selection of one or more products, the Global Risk Insight Platform can tailor one or more target amounts to the specified customer. The target amounts can be presented to the user for selection in this example. For example, target amounts may be paid by a broker through the "target amount" navigation control 122d the broker dashboard 100 from 1A be reviewed and chosen. In another example, a user may enter a user-defined option that has a specified Contains product and a specified exposure. For example, a broker may have a custom option through the "Custom Possibility" navigation control 122c the broker dashboard 100 from 1A enter.

In some implementations, a selection of one or more peers of the specified customer is received ( 214 ). The Global Risk Insight Platform can present a peer options with a given customer. For example, a broker can use the "view of available peer" navigation control 120a the broker dashboard 100 from 1A Search customers of an insurance marketplace environment for peer customers of the specified customer. In addition, the Global Risk Insight Platform may propose one or more peer-to-peer customers based on, for example, demographic information associated with the specified customer and / or filter customers for those customers who have purchased the one or more products specified by the user. For example, the broker may choose by selecting the "view of peer candidate" navigation control 120b access a list of candidates proposed by the Global Risk Insight Platform. Further, a user may search a list of filtered customers by applying filters to a customer database, such as Industry, geographic region and limit filters in some examples. In a particular example, the navigation controls 120d to 120f Filter options through the Broker Dashboard 100 from 1A ready.

In some implementations, report parameters are received ( 216 ). For example, a user from options presented in a user interface may identify a number of statistical analysis features, such as bar graphs, scatter plots, and pie charts, that represent information pertaining to the specified customer. In a particular example, a broker can use the navigation controls 124 and 126 within the "Diagram Management" field 110 the broker dashboard 100 from 1A as well as the "sector overview" navigation control 128a , "Product Category Overview" navigation control 128b and / or "competing product comparison" navigation control 128c interact to select performance comparison report options.

In some implementations, a preview view is created ( 218 ). Based on the information provided to the Global Risk Insight Platform, report preview information can be generated for display on a user interface. For example, a broker can control the "Full Report" navigation 128d the broker dashboard 100 from 1A select to trigger a report preview.

In some implementations, the report preview becomes available to the requesting computer system ( 220 ) provided. The report preview may be presented within the user interface with which the user interacts to retrieve the various information during the previous steps of the method 200 provide. In other examples, the report preview may be downloaded to a storage area within the requesting computer system or sent to the user by e-mail. In addition, the report preview can be overridden (for example, saved) by the Global Risk Insight Platform for later access.

Although illustrated in a particular order, in other implementations, one or more steps may have a different order. For example, a selection of one or more peers may be made before specifying a selection of one or more products ( 210 ) are received ( 214 ). Further, one or more steps may be removed or added in other implementations. For example, in some implementations, instead of identifying a target amount, the product and peer information may be combined to provide a more general report for a target and industry. Other modifications are possible without departing from the scope of the process 200 departing.

As in 1B is the dashboard 100 for the "Research &Analytics" register 114c open. In an "extension analysis" field 132 the broker will have numerous navigation controls 140 provided to access information regarding insurance extensions. When selecting a "change in percent, extensions" control 140a the broker may be provided with a graphical analysis of a percentage change in insurance prolongations over a period of time. The time period, in some embodiments, provides a preview of future events so that the Global Risk Insight Platform estimates projected renewal pricing trends based on historical data analysis. An exemplary screenshot of a graphical display of the projected pricing trends is in FIG 15A shown and described in more detail below. If you select a "Rate change in extension" - control 140b can the broker dashboard 100 Present the broker with a graphical analysis of a rate change in extension over a period of time. The time period, in some embodiments, provides a preview of future events so that the Global Risk Insight Platform estimates projected rate change trends upon renewal based on historical data analysis. An exemplary screenshot of a graphical display of the projected rate change trends is in FIG 15C shown and described in more detail below. When selecting a% extension rate component control 140c can the broker dashboard 100 provide the broker with a graphical analysis of renewal rates of individual sector components (eg, industries such as manufacturing, marine, pharmaceuticals and chemicals, etc.) over a period of time. The time period, in some embodiments, provides a preview of future events so that the Global Risk Insight Platform estimates projected rate extension change trends based on historical data analysis. An exemplary screenshot of a graphical display of projected component rate change trends is in FIG 15B shown and described in more detail below. Further, as in 15A and 15C The percent change in percentage changes and rate change may be shown in% when extended by product (as by an "extensions after product" control) 140d provided), industry (as through an "extensions to industry" control 140e provided) and geography (as through an "extensions to geography" control) 140f provided). Combinations of filters are possible.

For example, the broker may use the "extension analysis" field 132 the broker dashboard 100 to gain access to statistical analysis of percent change in geography and product extensions, or to gain access to a statistical analysis of rate change in industry and geography extension. Other filter combinations are possible.

An "offer analysis" field 134 presents the broker options for viewing statistics on the results of offers that are tracked along the timeline from request to binding. For example, a "carrier rejection" control 142a if selected, cause the broker dashboard to present to the broker a graphical analysis of bearer rejection reasons. An exemplary graphical user interface for viewing carrier deny reasons is shown in FIG 14 shown and described in more detail below. In contrast, the broker has a detailed analysis of customer refusal reasons and customer acceptance reasons with the help of a "customer rejection" control 142b and a "customer acceptance" control 142c to disposal. The choice of a "submission-to-offer" control 142d presents the user with an analysis of percent submissions offered to each of a number of wearers. Like in 13 (described in more detail below), submission-to-offer is presented for each of the top five carriers. The top five carriers may, in some instances, be considered the top five carriers in the insurance marketplace, the five carriers most similar to the current carrier, and / or the five best performing carriers for the type of metric that is currently available is presented, etc. are identified. An "offer after kind of deductible" control 142e When selected, allows the broker to view offers in percent that are made based on the type of deductible. Likewise, an "offer by deductible value" control allows 142f when choosing to see the broker, offers made in percent based on deductible amounts, as in 13 is shown.

Referring to a "Product and Industry Analysis" field 136 offers a number of navigation controls 144 provide brokers with access to statistics on products offered through the insurance marketplace environment and insurance purchasing trends across industry sectors. When selecting a "top products" control 144a presents the broker dashboard 100 the broker a graphical display of top products by premium sums. An exemplary graphical display of top products is shown in FIG 11 shown and described in more detail below. Likewise, the selection of "top industries" control causes a representation of a graphical display of the top industries by premium sums (shown in FIG 11 ). Furthermore, the information as in 11 represented by geography (eg using a "product by geography" control 144c ) and / or industry (eg with the help of an "industry by geography" control 144d ) are filtered. Further, the analysis may be divided to provide the best carriers for each of the top products (eg, by "product after carrier" control) 144e ) and each of the top industries (eg, with the help of an "industry after carrier" control 144f ) to show.

A "market analysis" field 138 contains a number of navigation controls 146 for accessing an analysis of trading volumes and premium sums across carriers participating in the insurance marketplace environment. A "trades after carrier" control 146a When selected, presents a broker sums of trades to bearers over a period of time. The information may additionally include an identification of a bound premium in connection with the sum of trades, for example via a "carrier by premium" control 146d is accessible. As in 12 For example, a bar graph shows both totals of trades and bound premium. The statistic of bound trades and statistics of premium sums can also be searched for geography (with the help of a "trades by carrier by geography" control 146b and / or "carrier by premium by geography" control 146e ) and / or by industry (with the help of a trades by carrier industry control) 146c and / or a "carrier after premium by industry" control 146f ) are filtered. Additional filtering options and combinations are possible, such as premium and geographic carriers.

Reinsurers may also access the Global Risk Insight Platform via a dashboard interface to view and analyze data that is relevant to reinsurance carriers. 1C and 1D show reinsurance dashboard user interfaces for viewing and analyzing reinsurance transaction information. With reference to 1C is a dashboard 130 Part of a web site, web portal, personal computing application, or mobile device application configured to provide a reinsurance broker an interface with the Global Risk Insight Platform and insurance marketplace environment. The dashboard 130 contains the same registers 114 as in 1A and 1B presented in terms of the broker dashboard interfaces, but each of the registers 114 now presents information relevant to the reinsurance broker. However, the same information presented in relation to insurance brokers may be relevant to a reinsurance broker and vice versa. For example, the reinsurance dashboard 130 in other embodiments, the "Product and Industry Analysis" field 136 from 1B and / or the "offer analysis" field 134 from 1B contain. In some implementations, a selection of the "overview" registry presents 114b the user an information overview display similar to the screenshot of 23 presenting a summary analysis of risk data (described in more detail below). As in 1C is the "performance comparison" register 114a active.

Starting with a "reports" field 150 can be a "market reports" navigation control 162a when selected, present an overview to the reinsurer in the form of reports of current market statistics, for example combining information provided by one or more of a "market pricing" field 152 , a "program participation" field 154 , a "Market Stream Analysis" field 158 and a "premium stream analysis" field 160 are accessible. In addition, in some embodiments, a market report may include information provided by the Research and Analytics Registry 114c are accessible as in the sequel regarding 1D described. In one example, the "market reports" control 162a Generate a synopsis of market analytics when selected, similar to a screenshot 2400 from 24 (described in more detail below). The "Reports" field 150 also contains a "carrier reports" control 162b , which is selectable to access a summary report form of analytical information concerning the insurance carrier. For example, the carrier reports may include information provided by a "customer purchase pattern" field 156 and / or a vehicle dashboard 190 are accessible as in the sequel regarding 1E and 1F described. Reporting in the general sense may be similar in its process to the steps taken in relation to procedures 200 are described as in 2 described.

With reference to the "market pricing" field 152 presents the reinsurance dashboard 130 when selecting a "total pricing" navigation control 164a the reinsurer provides the reinsurer with an analysis of pricing indices over a period of time. As in 26E shown, for example, shows a screenshot 2680 a comparison of the historical pricing of the reinsurer with market averages on a quarterly basis over two years. The line chart provides the reinsurer with insights into the performance of the reinsurer relative to the overall market pricing. As shown, a set of drop-down menus 2682 , when selected, used to sort the information by category (menu 2682a ), Business Line (Menu 2682b ), Product (menu 2682c , z. Offer share, excess loss reinsurance, etc.), and / or geographic region (menu 2682d ). In other embodiments (not shown), the time period and / or time steps may be manipulated to refine or increase the scope of the analysis. In some examples, the reinsurer may be offered the opportunity to view a monthly analysis over a six-month period or an annual analysis over the ten-year period. Referring again to 1C In addition, the reinsurer may choose to focus on a particular price composition category rather than an overall pricing analysis, such as pricing by premium sum index (using a 'premium-cum-price indexed' pricing) 164b ) and limit index pricing (using a "limit index" pricing control) 164c ).

In the program participation field 154 offers a number of navigation controls 166 the reinsurer has access to information pertaining to an allocation of the reinsurer's premium Obtain lifting point and layer limit. For example, a reinsurer may activate by activating a "Subscribe to premium" navigation control 166a to an information display similar to an example screenshot 2550 from 25D be directed. With reference to 25D show two side-by-side diagrams 2552 a comparison between the reinsurance premium per stop rate and the layer limit and the average premium allocation per annum as a percentage of the reinsurance rival per stop point and layer limit. The participation diagrams 2552 may also be color coded to draw attention to high participation combinations as well as low participation combinations. For example, the reinsurer shows low participation 2556 for a five to ten million dollar layer limit with a zero to two million dollar anchor point and a high participation 2558 for a zero to two million dollar layer limit with a zero to two million dollar bull's eye, as if by a sign up key 2560 displayed. In some embodiments, the information referenced in the screenshot 2550 be presented to a specific country. A series of drop-down menus 2554 Provides the reinsurer with the ability to view the information according to one or more of a "Business Line" menu 2554a (eg, similar to a "Join by Business" navigation control 166b from 1C ), a "product" menu 2554b (eg similar to a "Participate by Product" navigation control 166c from 1C ), a "region in one country" menu 2554c (eg similar to a "Participate by Geography" navigation control 166d from 1C ), a "View" menu 2554d (eg, similar to a "join to view" navigation control 166d from 1C ) and a "compliance" menu 2554e to filter the options, for example, an existing business or a new business (eg similar to a "Participate on Obligation" navigation control 166f from 1C ) offers. For example, an "established" person may refer to a reinsurer with a share greater than zero in a program, contract or layer.

Referring again to 1C contains the "Customer Purchase Pattern" field 156 a number of navigation controls 168 to consider the buying behavior of cedants across business lines. The information provided by the navigation controls 168 can be similar to a graphical analysis, for example, in a screenshot 2660 from 26D is provided. With reference to 26D For each of ten business lines, a bar graph shows the average program structure data per business line (e.g., via an "Average Program Structure by Business Line" control 168a from 1C are accessible). For example, the bar graph contains the following data: a maximum gross health insurance premium in percent 2662 (eg, accessible via a "max GWP% vs. competitors" control 168c from 1C ), an average number of participants per program 2664 (eg accessible via an "average subscriber per program" control 168b from 1C ) and an average safety rating 2666 (eg accessible via an "Average Security Assessment" control 168d from 1C ). In some embodiments, the information shown in the screenshot 2660 presented to a specific country. In addition, there are a number of drop-down menus 2668 the reinsurer to filter the information presented in the bar graph. For example, a "region in one country" menu filters 2668a if selected, the information by geographic region, a "product" menu 2668b When selected, the information filters by product type, a "Zedentart" menu 2668c when selected, filters the information by Zedentart and a "bonus ribbon" menu 2668d When it is chosen, the information filters according to the amount of premium values. Filters can be used individually or collectively to refine information presented by the bar graph. In other embodiments (not shown), the reinsurance dashboard 130 Filter options in the "Customer Purchase Pattern" field 156 from 1C contain.

As in 1C presented, contains the "Market Stream Analysis" field 158 navigation controls 170 aimed at gaining access to market flow analysis information, such as re-insurer performance comparison of signed reinsurance line by line of business and market capacity versus business capacity utilization. The navigation controls 170 For example, the reinsurer can access a graphic output, such as that in a screenshot 2516 from 25B shown ad.

With reference to 25B contains the screenshot 2516 a "Requested branch versus signed branch comparison" graphic 2518 for each of a subscriber (reinsurer) 2522a , an average competitor 2522b , a best competitor in the class 2522c , and an average market performance 2522d Shows data points containing maximum 2520A , Average 2520B and minimum 2520c Percent of requested line to signed line. The in the graphic 2518 For example, information shown may be via a "market power" control 170a from 1C be accessible. With the help of a "Business Line" menu 2528c can the graphic 2518 filtered according to a selected business line, similar to, for example, the use of a "power by business" control 170c from 1C , Likewise, using a "product" menu 2528d the graphic 2518 to of a selected product type, similar to, for example, the use of a "power after product" control 170e from 1C ,

In addition to the graphic 1518 shows a "Market Capacity vs. Usage" bar graph 2530 a comparison of market capacity 2524a with market capacity utilization 2524b by business branch. Furthermore, below the bar graph is a capacity utilization in percent 2526 displayed. Information similar to the one shown by the bar graph 2530 For example, information provided may be via a "market capacity" control 170b from 1C be accessible. In some embodiments, those are through the bar graph 2530 information presented to a particular country. With the help of a "Business Line" menu 2528c can the graphic 2530 filtered according to a selected business line, similar to, for example, the use of a "business-to-business" control 170d from 1C , Similarly, with the help of a "product" menu 2528d the graphic 2530 for example, using a "product by product" control 170f from 1C , Additional filters included in the graphics 2518 and 2530 applicable (in the "Market Stream Analysis" field 158 from 1C not shown) contain a "Region in a Country" menu 2528a To filter by geographic region, a "View" menu 2528b to filter to Zedentsitz and a "Obligation" menu 2528e to filter by obligation. Instead of, or in addition to, filtering by cedents, information in other embodiments may be filtered in a cedant-type manner (eg, local, regional, or global, small, medium, or large, etc.). Other implementations include controls for filtering by geography, view, and / or obligation in the dashboard 130 contain. Further, in other embodiments, information may be filtered to determine where the subscriber is "leading" the market, as opposed to where the subscriber "follows" the market. In another example, information may be filtered by market type.

Referring again to 1C presents the "Premium Stream Analysis" field 160 the reinsurance navigation controls 172 that are configured to provide access to analytics that control the flow of premium between a geographic location where the business originates, a geographic region from where the business is made, or a geographic region from where the business originates is insured shows. In addition, navigation controls 174 configured to provide access to analytics that shows the contribution of a premium based on a geographic location, presenting information regarding business origin, exchange, and / or insurance location. In some examples show screenshot 2600 from 26A and screenshot 2620 from 26B Card-based premium cash flow displays for the presentation of premium cash flow analysis for reinsurers.

With reference to 26A the screenshot shows 2600 a card that has a bonus flow from an origin region 2602 (Oceania) to reinsurance hubs 2604 (Asiatic-Pacific area 2604a , Europe 2604b , United Kingdom 2604c , Bermuda 2604d , North America 2604e and other 2604f ). The place 2602 Contains a pie chart showing the insurance marketplace bonus outflow 2606b as well as subscriber premium drainage contributions 2606a shows. Every place 2604 is presented with a pie chart depicting the insurance marketplace premium influx 2608a as well as the subscriber premium inflow contribution 2608b shows. In other embodiments, statistics may be in the screenshot 2600 presented, for example, when selecting one of the pie charts in conjunction with locations 2602 and or 2604 , In some examples, statistics may include GWP pool, percent GWP share by the subscriber (reinsurer), and percent GWP share by the average competitor. On the screenshot 2600 For example, information presented may be using a "premium flow by insurer region" control 172c from 1C be accessed. The reinsurer can decide which screenshot 2600 presented information with one or more of a series of drop-down menus 2610 to filter. The drop-down menus 2610 contain a "market stream" menu 2610a , a "from place" menu 2610b , a "Business Line" menu 2610D and a "product" menu 2610c , With the help of the "Market Power" menu 2610a For example, the subscriber may decide to switch from an insurer's place of origin or agency, for example, through a "premium flow mediated area" control 172b from 1C or a "premium flow by region of origin" control 172c from 1C is accessible.

With reference to 26B shows a screenshot 2620 a card representing the premium counterflow into the reinsurer site United Kingdom 2622 of cedents sitting 2624 shows (such as, for example, a "Contribution by insurer region" control 174c accessible. The place 2622 Contains a pie chart depicting an insurance marketplace premium influx 2608a as well as a subscriber premium inflow contribution 2608b shows. Every place 2624 is presented with a pie graphic that drains the insurance marketplace premium 2606a as well as the subscriber premium drain contribution 2606b shows. In other embodiments, statistics may be in the screenshot 2620 presented, for example, when selecting one of the pie charts in conjunction with locations 2622 and or 2624 , As with the screenshot 2600 make the drop-down menus 2610 ready to filter subscriptions. For example, the subscriber may decide to switch from the cedent seat to the place of origin or mediated location, for example through a "post-mediated region" control 174b from 1C or a "post by region of origin" control 174c from 1C is accessible.

When selecting the Research & Analytics Register 114c from 1C the reinsurer will be presented with a dashboard view in 1D is shown. With reference to 1D contains a "Trade Analysis" field 174 navigation controls 182 eligible to access a trading power performance analytics of a requested reinsurer line and a signed line. Trading Power Performance Analytics may be presented on a per-business basis and changes in trading power may be tracked over a period of time, such as quarterly, annual, biennial, etc. The reinsurer's trading power performance may be on a group's performance basis competitors and / or the overall market average. In a specific example, with reference to 25C , presents a screenshot 2530 A trading electricity analysis that is a performance of a requested line of a reinsurer 2532a with a group of competitors 2532b as well as the market average 2532c over a period of four quarters. The screenshot 2530 For example, the reinsurer can choose a "change in percent after phase" control 182a from 1D to get presented. Phase may, for example, refer to requested line and / or signed line. In some embodiments, those are in the screenshot 2660 presented information directed to a particular country. The selection of the requested phase in the screenshot 2530 is represented by a selection that is in a "phase" drop-down menu 2534a is made. The in the screenshot 2530 Data presented are further represented by a "View" drop-down menu 2534e filtered, presenting the trading power data from the perspective of the cedent seat (eg, to the mediated location or insurer location). The selection of view can be done, for example, by means of a "change in percentage by view" control 182b from 1D respectively. The reinsurer will have additional filtering options via a "Business Line" drop-down menu 2534b (eg, correlated to a change in percent by business line control 182c from 1D ), a "product" drop-down menu 2534c (eg, correlated to a "percent change by product" control 182d from 1D ), a "region in a country" drop-down menu 2534d (eg, correlated to a "percent change by product" control 182d from 1D ) and a "Obligation" drop-down menu 2324F (eg, correlated to a "change in percent by obligation" control 182f from 1D ) presents. A table 2536 presents percentages for each of the subscribers ( 2532a ) Statistics, average competitors ( 2532b ) Statistics and average market ( 2532c ) Statistics for each quarter of the presented period, as well as average values 2538 for the entire period for each subscriber 2532a , average competitor 2532b and market average 2532c ,

1D also contains a "Customer Feedback Analysis" field 176 with navigation controls 184 that are configured to present to the reinsurer information regarding collected customer feedback, for example, about the insurance marketplace environment. The customer feedback, as in a screenshot 2570 from 25E shown, can be combined to an overall feedback rating of a Net Promoter ^® Score (NPS) of Satmetrix Systems, Inc., San Mateo, CA, to be determined. In addition, as in a screenshot 2580 from 25F The reinsurer can gain access to an analysis of individual attributes that contribute to an overall customer feedback rating. Collecting and calculating customer feedback metrics will be discussed in the following 20A described in more detail.

When selecting a "feedback evaluation" control 184a can give the reinsurer the screenshot 2570 presenting a bar graph showing a subscriber ( 2572 ) Customer feedback rating with an average for a selection of eight anonymized competitors 2572 compares that were collected over the same period (for example, calendar years 2012 and 2013 as in the screenshot 2570 shown). A broker commentary can be displayed (eg below the graphic, as a pop-up when subscribers are selected ( 2572a ) Data, etc.) that displays individual responses provided by one or more brokers who have done business with the reinsurer. The in the screenshot 2570 Data presented can be through a series of drop-down menus 2576 be filtered. For example, a "Business Line" menu 2576 on a "Business Feedback" control 184c from 1D be displayed while a "Product" menu (not shown) on a "Product Feedback" control 184d from 1D a "role" menu (not shown) (eg, broker, claims, customer management, etc.) on a "rollback" control 184e from 1D is pictured, and a "years of experience" menu 2576e (not shown) on a "feedback on experience" control 184f from 1D is shown. A "Category" menu 2576a , which is currently set up at NPS, can be toggled to "attribute rating", which gives a representation of the screenshot 2580 from 25F is initiated. Similarly, a selection of a "feedback attributes" control 184b from 1D a representation of the screenshot 2580 from 25F cause.

With reference to 25F contains the screenshot 2580 a set of radar charts 2582 , the comparisons of values of a set of attributes 2584 show that of a least significant attribute 2586A to a most significant attribute 2586b are arranged. The meaning of each attribute 2584 can be determined, for example, by a ranking made by the customers during the feedback process. Alternatively, the meaning of each attribute 2584 chosen by the reinsurer, established by a third party (such as the ^NPS® provider), or determined by the Global Risk Insight Platform (eg, through an overview of selected subscribers, analysis of the overall ^NPS® rating for individual attribute components , etc.). Every attribute 2584 is represented by a short descriptive label. In some embodiments, full definitions of each attribute 2584 for the reinsurer about the screenshot 2580 available (not shown). For example, attribute definitions can be selected by selecting one of the attributes 2584 or below the radar charts 2582 to get presented.

In a first radar diagram 2582a Subscriber attribute values are separated by two separate periods 2588 (eg year 2013 and year 2012) were collectively displayed to have a positive and negative movement in each attribute 2584 between the two consecutive periods 2588 to show. In a second radar diagram 2582b are subscribers ( 2590a ) Attribute values collected in a recent period (eg, year 2013) with average competitors ( 2590b ) Attribute values and market average ( 2590c ) Attribute values collected during the same time period. In summary, a reinsurer can quickly identify strengths and weaknesses regarding the different feedback attributes 2584 determine.

As in 1D represents a premium share analysis field 178 the reinsurer a set of navigation controls 186 Ready to access a detailed breakdown of the reinsurer's competitive position by line of business over competitors. For example, the information may be a representation similar to a screenshot 2500 from 25A contain. For example, the reinsurance dashboard 130 when selecting a "share by premium" control 186a the reinsurer an ad similar to the screenshot 2500 from 25A present.

With reference to 25A is the premium share 2504 by business branch 2510 a premium brokered at the insurance marketplace 2502 entered in a bar graph. The bar graph is obtained by two line graphs, the first one being a subscriber (reinsurer) share 2506 by business branch and the second represents an average competitor share 2508 by business branch. A look at the bar graph allows the reinsurer to track its position in the insurance marketplace relative to the average competitor share.

Additionally, below the bar graph, a table lists specific statistical values that relate to premium share for each of insurance marketplace 2504 , Subscriber 2506 and the average competitor share 2508 relate, as well as buzz 2515 that affect each specific value ( 2512A . 2512B . 2514a . 2514b and 2508 ) Respectively. The statistics 2512 in conjunction with the insurance marketplace contains total premium 2512A per business line 2510 as well as percent of the stock 2512B per business line 2510 , The statistics 2514 in connection with the subscriber 2506 contains GWP 2514a per business line 2510 , Market share 2514b per business line 2510 and rank 2514c per business line 2510 , In some embodiments, those in the screenshot refer to 2500 presented information to a specific country.

The reinsurer can view the statistics presented using a set of drop-down menus 2501 filter. For example, a "Category" menu offers 2501 instead of considering an analysis of a premium value in dollars, the option of considering the statistical analysis based on a policy number (eg, similar to a "share by policy" control) 186b from 1D ). Other filters include a "Region in a Country" menu 2501b (eg similar to a "share by geography" control 186c from 1D ), a "View" menu 2501c (eg similar to a "share by view" control 186d from 1D ), a "product" menu 2501d (eg, similar to "share by product" control 186e from 1D ) and a "Zedentart" menu 2501e (eg, similar to a "proportion of Zedentart" control 186f from 1D ). Additional filters include a "reinsurance capital" menu 2501f That's a selection of a bonus by volume (eg, similar to a "share after premium after tape" control 186g from 1D ) and a "safety rating" menu 2501g which has a selection of a premium after evaluation (eg similar to a "share after safety assessment" control 186H from 1D ).

Referring again to 1D generates a "strategic and tactical impact analysis of the premium share" control 186i if selected, an analysis of the premium share compared to average (baseline) results in the insurance marketplace, to make a contribution that is useful for both strategic reasons (eg, the subscriber writes a larger or smaller proportion of high or low profit lines) tactical reasons (eg, the subscriber is in the selection of individual cedants better or worse) to identify. The through the "Strategic and tactical impact analysis of the premium share" control 186i For example, analysis received allows the subscriber to track performance based on the subscriber's actual business record. The "Strategic and Tactical Impact Analysis of the Premium Share" Control 186i working to present a performance measure based on the actual business balance sheet, as in an analogous situation a stock portfolio can be reviewed based on a risk-adjusted analysis of the portfolio to determine how good a stock broker's performance is in selecting individual stocks in a particular risk segment is.

With reference to 27 Figure 13 is a flow chart of an exemplary method 2700 to determine strategic and tactical impact components of a subscriber's performance, such as premium share metric, cross-selling metric, trade metric and profitability metric (eg, based on loss ratios, reinsurance commission rates, brokerage ratios and / or cost ratios) for a particular reinsurance subscriber. The procedure 2700 may, for example, be used to present an analysis of strategic and tactical impact on performance metrics in response to a selection of the "Strategic and Tactical Impact Analysis of Premium Share" control 186i from 1D and / or a "Strategic and Tactical Impact Analysis of GWP" control 188g from 1D be used.

In some implementations, the method begins 2700 determining a base portfolio composition of a requesting subscriber ( 2702 ). For example, the compilation may consist of basic building blocks, such as, in some examples, zedent seat (s), business line (s), and / or product type (s). A software algorithm can analyze the subscriber's insurance portfolio to identify a portfolio composition. In another example, an interactive selection process may be presented to a user on a graphical user interface for identifying the portfolio composition. For example, the user may select filtering information to focus on a particular geographic region, business line, product type, or product category.

In some implementations, results for a total portfolio average portfolio of the insurance marketplace are calculated by cell ( 2704 ). For example, each cell may present a particular combination of basic building blocks (e.g., location "North America," product, "contract per rate,""professionalliability" business line, or a combination of two or more elements). If the subscriber decides to filter the information, the overall stock average portfolio results may be similarly filtered according to the target viewpoint. The resulting information may be referred to as marketplace total. The marketplace _total data reflects the average composition of the business portfolio of reinsurance subscribers of the insurance marketplace.

In some implementations, results for a subscriber's average portfolio of assets are calculated by cell ( 2706 ). Data correlated with the outcomes described above in relation to the overall portfolio average portfolio of the insurance marketplace may be calculated in relation to the subscriber's portfolio composition. The resulting information can be referred to as Participants _{S Results / S Mix} . The Participant _{S Results / S Mix} information reflects a composite (mix) of the subscriber's insurance portfolio, with a metric reflecting the results achieved by the subscriber.

In some implementations, possible outcomes representing the subscriber portfolio composition and the insurance marketplace average for that compilation are calculated ( 2708 ). Data corresponding to the insurance marketplace average is combined in the aggregate (mix) of the subscriber portfolio to obtain a metric showing potential (marketplace) results, referred to as Participant _{M Results / S Mix} . The information Participants _{M Results / S Mix} reflects the average insurance marketplace performance taking into account the subscriber portfolio composition.

In some implementations, a subscriber portfolio result is calculated relative to the insurance marketplace portfolio results ( 2710 ). The difference for example between Insurance Marketplace Average Performance and Subscriber Portfolio Performance can be calculated by subtracting the Marketplace _Total information from the Participants _{S Results / s Mix} information to obtain a relative result R (eg, R = Participant _{S Results / S Mix} - Marketplace _Total ).

In some implementations, a strategic decision impact component of the subscriber's results is calculated ( 2712 ). The strategic impact component may be determined, for example, by calculating the difference in the insurance marketplace average based on insurance marketplace average portfolio information and the insurance marketplace average calculated using the subscriber's particular portfolio composition. In a particular example, the strategic decision component S is calculated as follows: S = Participant _{M Results / S Mix} - Marketplace _Total . This value represents the relative performance of the subscriber's portfolio balance to the performance of the insurance marketplace as a whole, based entirely on performance averages of the insurance marketplace. Considering this information, the subscriber can see the impact of the subscriber's base portfolio composition decisions on performance, without focusing on a particular service based on the subscriber's particular insurance portfolio.

In some implementations, a tactical decision impact component of the subscriber's achieved results is calculated ( 2714 ). The tactical decision component may be determined, for example, by calculating the difference of the subscriber's result metric and the insurance marketplace average, based on the subscriber's portfolio balance. In a particular example, the tactical decision component T is calculated as follows: T = Participant _{S Results / S Mix} - Participant _{M Results / S Mix} . Subscribers can review the tactical decision-making component to determine how well insurers are working in a branch to build up the subscribers' insurance portfolio when selecting individual cedants.

In some implementations, a graphical user interface showing comparative information regarding strategic and tactical impact components of subscriber overall results is created for display on a subscriber computing device ( 2716 ). For example, the graphical user interface, using graphics, charts, tables, and / or other visual representations, may show relative performance aspects of the subscriber portfolio based on a decomposition of performance into strategic and tactical components. Further, the graphical user interface may include detailed information corresponding to a performance analysis based on separate portfolio components (basic blocks) of the entire portfolio composition. The user may be offered an opportunity to, for example, filter information to focus on one or more components of the entire portfolio.

Although described with respect to a reinsurance subscriber, in other implementations an insurance subscriber or carrier subscriber may review a breakdown of strategic and tactical components of various performance metrics based on the impact of the fundamental building blocks of the subscriber insurance portfolio. Further, in some implementations, a subscriber may be offered the opportunity to historically analyze a potential portfolio composition, for example by choosing a balance sheet of basic building blocks to define a portfolio composition. In historical performance analysis, in some embodiments, the subscriber is presented with timeframe options (eg, last year, the last three years, the last five years, etc.). Timeframe options may vary by subscriber type. For example, monthly changes are more appropriate for insurers than for reinsurers.

With reference to 1D Represents a "Cross Sales Analysis" field 180 navigation controls 188 prepared to provide the reinsurer with access to an analysis of the reinsurer's penetration of the entire insurance portfolio. The information provided by the navigation controls 188 can help the reinsurer identify the potential for an additional premium within its risk appetite (eg business line and / or product) by providing data on potential new customers as well as data on existing customers. Furthermore, a "Strategic and tactical impact analysis of GWP" control 188g if elected, present the reinsurer with a breakdown of cross-selling results that are based on strategic decision components and tactical impact components, as described above 27 discussed. For example, the data may be similar to a screenshot 2640 from 26C to get presented.

With reference to 26C A bar chart provides information regarding subscriber (reinsurer) -GWP 2650a and cross-sale GWP option 2650b ready (eg as GWP existing reinsurer's client accessible via a "GWP existing customer" control 188d from 1D and GWP potential new customers accessible through a "GWP potential customer" control 188a from 1D ). In a first bar of the bar graph represents a subscriber premium 2646a the actual premium for the subscriber (eg total premium for all broker seats 2648a , all the seats 2648b , all products 2648c and all branches of business 2648d ). The data on possibility is split in the bar graph by 100% premium by category, with the categories premium on the subscribers' layers 2646b , Premium on contracts with subscriber participation 2646c (eg contracts with one or more layers) and premium to subscribers 2646d (eg customers with one or more contracts). In addition, an insurance marketplace total premium 2646E presented in comparison.

In some implementations, when selecting a specific bar 2646 the bar graph of screenshot 2640 immerse the subscriber in special account information, for example, to determine certain options. A similar concept is, for example, in terms of pipeline capabilities of 21A to 21D described below.

In some examples, in identifying opportunities, potential new customers may be subscribers to the insurance marketplace and the environment, customers outside the insurance marketplace and the environment, and / or potential customers identified by the reinsurer. Potential customers, in some examples, may be identified by the insurance marketplace and the environment based on the business line of potential customers and / or products that are relevant to the potential customers. Using the in the screenshot 2640 In the chart below, a subscribing reinsurer can identify contract opportunities and customers that represent existing relationships that are defined at various levels (eg, brokerage, cedents, etc.).

The reinsurer can identify potential customers by line of business using a business drop-down menu 2648d analyze (eg, accessible via a "customer by business GWP" control 188b from 1D ). Additionally or alternatively, the reinsurer is able to identify a potential for an additional premium that falls within its risk appetite by providing potential customers by product through a product drop-down menu 2648c analyzed (accessible via a "GWP from customer to product" control 188e from 1D ). In some embodiments, those in the screenshot refer to 2640 presented information to a specific country. The in the screenshot 2640 Data provided can be made using a "broker's seat" drop-down menu 2648a , a "Zedentsitz" drop-down menu 2648b or a "GWP from customer to geography" control 188c from 1D be filtered by geography. The data shown in the screenshot 2640 can also be made using a "view" drop-down menu (not shown) or a "GWP from customer to view" control 188f from 1D filtered to view.

24 shows the exemplary screenshot 2400 , which shows high-quality summary information regarding the competitive performance of a reinsurer in a global market. The screenshot 2400 contains a "premium by branch" section 2402 , a "Global Risk Distribution" section 2404 and "Premium by Product Breakdown" section 2406 , and a "Net Supporter Review Summary" section 2408 , The in each of the sections 2402 . 2404 . 2406 and 2408 displayed information may in some examples be filtered by business line, geographic region, and / or product (not shown).

In the "Premium by Branch" section 2402 Statistics on annual premiums for specific lines of business are presented to both the current subscriber (Acme Reinsurance Co.) and the insurance marketplace as a whole. In other embodiments, competitor comparisons may be in the "premium by branch" section 2402 be shown. The competitors may, in some instances, be limited to reinsurers who, for example, are active in the illustrated businesses. The competitors may be restricted to other reinsurers participating in the insurance marketplace environment. In contrast, at least some of the competitors may include reinsurers who are active outside the insurance marketplace environment. If a subscribing reinsurer is identified as a competitor to the current reinsurer, in some instances the insurance marketplace environment may compare demographic reinsurance and / or business information to identify comparable reinsurers. For example, reinsurer competitors may re-insure the next 20 reinsurers with a current reinsurer's GWP, reinsurers active in similar geographical locations as the current reinsurer, and / or Reinsurers active in lines of business similar to the current reinsurer. In other embodiments, competitors may be individually identified by the subscriber, Acme Reinsurance Co., for example, by a graphical search and / or selection user interface.

Referring to the "Global Risk Distribution" section 2404 For example, a premium distribution is arranged by cedents, with the identification of the insurance marketplace GWP as well as the percentage of the reinsurer (subscriber) for each geographical location presented on a map view. Shares are listed in both a numeric format and a pie chart format. In other embodiments, the "Global Risk Distribution" section 2404 also show the percentage of the average competing competitor.

The "Premium by Product Breakdown" section 2406 shows a graphical representation of a relative product portion of the subscriber "Acme Reinsurance Co.". As shown, catastrophe holds the largest and, optionally, the smallest share, with loss-excess reinsurance (27OL) and proportionally similar shares (about 10% in total). In other implementations, also / alternatively the percent and / or total awards may be presented in association with each product segment.

The "Net Supporter Appraisal Summary" section 2408 provides a comparison of reinsurance NPS data, average competitor NPS data for eight competitors of Acme Reinsurance Co., and a market average NPS for the insurance marketplace. Further details regarding NPS statistics can be found in relation to 25E ,

1E and 1F show an insurance carrier dashboard user interface 190 to view and analyze insurance transaction information. The dashboard 190 is part of a website, web portal, personal computer application, or mobile device application that is configured to provide the broker an interface with the Global Risk Insight Platform and insurance marketplace environment. The dashboard 190 contains the same registers 114 as in 1A and 1B presented in terms of broker dashboard interfaces, but each of the registers 114 now presents information related to insurance carriers. As in 1E is the "performance comparison" register 114a of the dashboard 190 active.

With reference to 1E contains a "Reports" field 192 a series of navigation controls 196 configured to provide information in report form to a wearer when selected. The reports may be customized by the user in some embodiments, highlighting individual metrics, geographic regions, products, and other business aspects that are significant to the particular wearer. Reporting in the general sense may be similar in procedure to the steps that are in relation to procedures 200 described in relation to 2 is described.

A "pipeline reports" control 196a may, upon selection, present to the insurance carrier a summary report of transaction opportunities for the insurance carrier as a preview of a coming period (eg, about an upcoming quarter, six months, etc.). In general, a pipeline possibility of one or more expiring policies pending renewal represents a renewed interest in a policy and / or a possibility to early renew or restructure a policy that would otherwise expire in the near future. The pipeline options can be filtered by insurance product, insurance industry and / or geographic region. Pipeline capabilities may also be filtered by carrier willingness, obligation, and / or cross-selling opportunities. In one example, the "Pipeline Reports" control 162a When selected, cause the display of display aspects to be similar to those in 21A to 21D (described in more detail below) are shown. In the case of an interactive report form (for example, rendered online or through a computer-based interface that combines various display features), aspects of the pipeline report may be accessible within other aspects of the pipeline reports. For example, a wearer may be offered the opportunity to "immerse" in a more detailed analysis of pipeline possibilities, for example, in a detailed report 2120 , as in 21B shown. Further, in some embodiments, a pipeline report provides the wearer with an indication of interest in opportunities perceived by brokers. In this way, the carrier can be made aware of ways in which brokers have an active interest. The interest tracing feature is related in the sequel 21C and 21D described in more detail.

The "Reports" field 192 also includes a "feedback reports" control 196b , which is selectable for access to a summary report in the form of collected customer feedback data, for example, via the insurance marketplace environment. The report may present a feedback metric relating to the current bearer as compared to a feedback metric relating to competing competitors. Exemplary report components are in 20A and 20B shown in more detail below. The customer feedback, as in a screenshot 2000 from 20A shown, can be combined to (NPS) to determine an overall feedback rating, such as a Net Promoter ^® score. The feedback metric may also be calculated for each stage of the life cycle of the mediation process, such as insurance, mediation, claims, and overall ratio attributes. 20B shows a screenshot 2020 which shows a bar graph comparison between the current carrier's performance at the insurance stage of the brokerage process and the performance of selected competing competitors in the insurance stage. In addition, as in a screenshot 2580 from 25F in terms of reinsurance feedback, in some embodiments, the wearer may be provided access to an analysis of individual attributes that contribute to an overall customer feedback score.

A "carrier reports" control 196c of the "Reports" field 192 For example, when selected, it may present to the wearer an overview in the form of a report of the current market and / or benchmarking analytics, for example by providing information provided by one or more of a "flow rate analysis" field 194 , a "premium share" field 101 from 1F , a "stakeholder" field 103 from 1F , a "rejection analysis" field 107 and a "loss analysis" field 109 from 1F are accessible, combined.

With reference to the flow rate analysis field 194 offers a set of navigation controls 198 Access to an analytic set, referred to as "flow trading," including submitter flow, hit rate, offer rate, and conversion rate. The analytic sentence is for example in 17 shown and described in more detail below. The "flow trading" performance comparison analytics are compared to competing competitors to verify a carrier's performance in the marketplace. There is also a set of filter navigation controls 199 the carrier available to the "flow trading" analytics by product (using a "flow-trading by product" control 199a ), Geography (using a "flow-trading by geography" control 199b ), Industry (with the help of a "flow-trading by industry" control 199c ) and / or capacity (using a "flow-trading to capacity" control 199d ). Other possible filtering options include Carrier Readiness, Obligation, and Carrier Division, as discussed below 16A discussed.

The selection by the carrier of a "Submissionsstrom gegen competitors" control 198a can be a representation of a screenshot 1600 from 16A in the vehicle dashboard 190 cause. In the screenshot 1600 the submitter current metric is compared to the submitter current metric of the best competitors as well as the metric of five individual competitors (marked A to E). In some embodiments, the time frame is in the screenshot 1600 presented, user-configurable. A "phase" drop-down menu 1602 is available to switch to other trade flow analyzes, similar to using a "hit rate versus competitors" control 1998b , an "offer rate vs. competitors" control 198c and a "rate of conversion to competitors" control 198d from 1E , Further, when selecting a product using a "product / segment" drop-down menu 1602b (or selecting the "flow trading by product" control 199a ) a screenshot to the wearer 1650 from 16B to get presented.

Instead of displaying the "flow trading" metric individually, in some implementations entire flow rates may be presented in the same display. With reference to 17 become a "submission rate" bar graph 1702 , a "quote rate" bar chart 1704 , a "hit rate" bar graph 1706 and a "conversion rate" bar graph 1708 in a single screenshot 1700 presents.

With reference to 1F presents the "Research and Analytics" register 114c of the vehicle dashboard 190 the carrier the "premium share" field 101 containing navigation controls 111 who are configured to present an analysis of premium share when selected. The premium share analysis provides the insurance carrier with a general overview of its place in the market as a whole and the concentration of its business by segment. An exemplary premium share ad is in a screenshot 2200 from 22A shown and described in more detail below. The screenshot 2200 For example, if the carrier selects a "premium sum" control 111 to get presented. Furthermore, the premium share analysis may be based on one or more of categories (using a "premium by category" control 111b ), geographic region (using a "premium by geography" control 111c ), View (with Help a "premium by view" control 111d ), Product (with the help of a "premium after product" control) 111e ) and / or industry (with the help of a "premium after industry" tax 111e ) are filtered.

In order to gain a better insight into historical trends of a premium share metric, for example, based on trends within particular customers or particular insurers, in some embodiments, a series of the screenshot may 2200 be chosen to cause a representation of a detailed premium share analysis, such as in a screenshot 2220 from 22B shown. With reference to 22B A detailed premium share analysis includes information such as a policy efficacy date, policy expiration date, insurer name, customer name, customer description, and premium amount.

Parts of bonus buzz data, either at the more abstract level, in 22A is shown, or a refined level, in 22B can be shared with other subscribers of the insurance marketplace environment (e.g., to contribute to competitive metrics of competitors). Sharing is enabled in some embodiments by an anonymization feature of the Global Risk Insight Platform so that other subscribers can not recognize data points as belonging to a particular subscriber. Access to higher levels of data granularity and / or greater refinement of a competitor comparison metric may, in some embodiments, be at the subscriber level. For example, a particular subscriber may pay an additional fee for access to increased data granularity and / or competitor comparison tools.

Referring again to 1F contains the "Interest Tracker" field 103 a series of navigation controls 113 to access opportunities related to broker interest requests. As before, in terms of pipeline reports control 196a The interest-tracing feature connects prospective brokers with available vehicles to tap into new opportunities. Instead of looking at the possibilities via the Pipeline Reports control 196a from 1E the carrier can access one of the navigation controls 113 to quickly track per-customer product submissions (using a "product-by-product" control) 113a ), according to customer industry (with the help of a "customer industry inquiries" control 113b ), by size (using a "request for closing size" control) 113c ), by status (using a "request for status" control) 113d ), by category (using a "request by category" control) 113e ) and / or geographic region (using a "geography" request) 113f to see). The selection of one of the navigation controls 113 For example, the wearer may have a view similar to the screenshot 2160 from 21D present.

Referring to the "rejection analysis" field 107 Represents a set of navigation controls 115 Possibility for the carrier, either Carrying out reasons (with the help of a "Carrier rejection" control 115a ) or customer refusal reasons (with the help of a "customer rejection" control) 115b to see). The carrier rejection metric is referred to in the following 19A to 19D discussed in more detail. For example, the selection of "carrier rejections" control 115a a representation of a screenshot 1900 from 19A in the vehicle dashboard 190 cause. Further, the carrier rejection metric may be determined using one or more filter navigation controls 117 be filtered. For example, when selecting a "rejection by product" control 117e a screenshot to the wearer 1910 from 19B to get presented. Similarly, a selection of both the "customer rejections" control 115b as well as the "rejections after product" control 117e to a display of a screenshot 1920 from 19C to lead. Other filters that use the rejection analysis field 107 available contain a "disclaimer" control 117a , a "disagreement by carrier division" control 117b , a "rejections by industry" control 117c , a "disclaimer" control 117d and a "Rejection by Closing Size" control 117f , Filter options are related in terms of 19A to 19C discussed in more detail.

As in the "loss analysis" field 109 As shown, a carrier can sustain losses that have arisen through individual accounts through a series of navigation controls 119 see. When selecting a "loss" control 119a For example, the wearer may be presented with a display similar to a screenshot 1800 from 18A and / or a screenshot 1820 from 18B to get presented. With reference to 18A presented the screenshot 1800 a table of records of carrier related losses in respect of premiums. Each record presents a bearer name 1804 , a net premium amount 1806 , a claim amount 1808 , Reserve amount 1810 , Loss ratio paid 1812 , and loss incurred 1814 , In some embodiments, a performance comparison component may be available, including a comparison of a carrier loss metric (eg, loss of loss paid, loss incurred) of the current carrier (subscribers 1816 ) and a carrier loss metric of competing competitors 1818 , In some Embodiments activates selection of a particular field of the table in the screenshot 1800 a representation of a more detailed view of recorded information.

Like along the top of the screenshot 1800 shown, is a series of drop-down menus 1802 to filter the representation of the loss metric. A "country" menu 1802a presents options for selecting a geographic region, similar to a "loss by geography" control 119d from 1F , A "year" menu 1802b allows the wearer to see loss data by calendar year. In other embodiments, the carrier may be presented with the ability to choose a range of data (eg, month, quarter or a custom range of data, etc.). A "product" menu 1802c allows the wearer to view loss data by product line, similar to a "loss after product" control 119c from 1F , An "industry" menu 1802d enables the vehicle to see loss data by customer industry, similar to a "loss after industry" control 119d from 1F ,

Furthermore, the information can be shown in a graphical representation to see trends in loss ratios over a period of time. With reference to 18B shows a screenshot 1820 a loss ratio comparison chart 1822 an average loss ratio 1824 and a subscriber loss rate 1826 for a given timeframe (eg years 2008 to 2011). The loss ratio comparison chart 1822 is alongside a premium-to-market share comparison chart 1828 shown, both a total premium 1830 for the subscriber during a timeframe shown (eg years 2008 to 2011) as well as a market share 1832 for the subscriber during the time frame shows.

8th FIG. 3 shows a process flow diagram or flowchart of a method, subroutine or process. FIG 800 that may be used to generate insurance contract transaction statistics according to one embodiment. A block 802 can access information from a number of broker computing devices that are communicatively coupled to a network and retrieve selected insurance transaction data from any of the number of computing devices. The insurance transaction data may be entered and collected by a number of broker users at a number of broker's computing devices that are far apart. Examples of brokers' computing devices and a network for connecting the broker's computing devices are shown in FIG 28A - 28D presented and discussed in more detail below. block 802 can also store or archive the accessed information in an easily accessible data storage medium or device, such as a server, for further processing. The server may be one of a number of broker computing devices that are communicatively coupled to the network. The block 802 may sum data values for certain selected parameters over all collected data (eg, via the number of brokers' computing devices). A block 804 may block a set of insurance contract transaction statistics (or simply insurance transaction statistics) based on the accessed insurance transaction data 802 to generate. The generation process of block 804 may include or include an analysis or calculation of values based on the data totals of Block 802 based. A block 806 may generate an indication of one or more of the set of insurance contract transaction statistics for display on a display device, such as a broker computing device. block 806 may include or include generating a display arrangement of a set of insurance contract statistics. In general, the advertisement arrangement may include the set of insurance contract statistics and a layout of the set of insurance contract statistics. The layout may include display positions for each of the set of insurance contract statistics or related data to indicate how each of the set of insurance contract statistics should be positioned relative to each other. The ad arrangement may be generated based on a set of broker parameters that are input to a computer system that completes the process of 8th implemented. The broker parameters may be based on a particular workflow designed by the brokerage firm. In one embodiment, the broker parameters may be based on a comprehensive study of customer relationships. The study can generate general or average customer interaction schemas. For example, a customer interaction scheme may include specific events associated with customers such as customer sales techniques, creation of an insurance contract structure, managing extensions, etc. along with a chronological sequence for the events and sub-events in the events. Each element of the customer interaction scheme may be used to define the set of broker parameters, the broker parameters for generating one or both of the set of policy transaction statistics of the block 804 or the display arrangement of insurance transaction statistics of the block 806 can be used.

In some embodiments, the system may be used to selectively access the insurance transaction statistics and / or display arrangements of the one or more sets of insurance transaction statistics (Block 808 ) to offer. This can be any authentication or Include authorization necessary to determine a subscription level of the user. The system may also include sending the display layout (eg, an image of the display layout or instructions to display the layout) (block 808 ).

The data collection (block 802 ) from a number of the broker's computing devices may include a timely collection of selected data from each broker computing device to a central data store or database. The aggregation may be performed in response to an ad hoc request for one or more insurance contract transaction statistics. In particular, an ad hoc request to generate insurance contract transaction statistics may be distinguished from statistics generated by a periodic reporting function that may be initiated at fixed intervals (eg, at the end of financial reporting periods). Further, the accumulation may be performed such that the generated insurance contract transaction statistics are based on transaction data available concurrently with a period of the request (eg, entered into one or more broker computing devices connected to the network). In some embodiments, the block 802 by implementing transaction data that is released, stored, or otherwise made available in response to the request. In this way, the accumulation can be referred to as a "real time" accumulation because the insurance transaction statistic is based on data entered into the system at the time of the request. A real-time collection can be distinguished from an archive collection of transactional data that can occur or be performed only at fixed intervals (eg, reporting periods). For example, an archive collection can be done in conjunction with the periodic reporting function, with the reporting function and accumulation occurring within set time periods. When accumulating for a periodic reporting function, data entered after a stitch period may not be included in the accumulation and / or reporting. In particular, an archive collection can only accumulate transaction data that is released with a set schema and can not contain transaction data that is entered concurrently with an ad hoc request to generate a statistic. In some embodiments, a selection of data may be made at a server acting as a central store or database after unfiltered data has been accessed by the broker's computing devices and transferred to the database. In general, the data from the broker's computers may be entered primarily by insurance brokers during the transaction of each insurance contract trades, from beginning to end (or other result such as no response or missing response). Most of the information in the Global Risk Insight Platform (GRIP) described here may be broker data and / or customer data. However, some data may be provided by carriers, such as policy offer information and reasons for carrier-rejected offers.

Table 1 lists a set of parameters that can be collected by broker computers as part of the data collection process. The parameters may include at least insurance contract placement name, policy efficacy date / start date, policy expiration date, business unit, placement status, currency, office location, country, customer name, customer status, account type, customer ID, source system, data universal numbering system number (DUNS), ARS Industry Group and primary standard Industrial Classification (SIC) code included. The list of parameters may describe a minimal list of insurance transaction data required to generate a useful set of insurance transaction statistics. 9 shows a screen adapted to receive the transaction data through a set of input fields. TABLE 1 Insurance Contract Placement Name Police Effective Date / Start Date Police expiration date business unit placement status currency office seating country Customer Name customer status Type of account Customer ID source system Duns number ARS industry group Primary SIC code contract premium Customers rejection reasons Carrier rejection reasons

In general, the insurance transaction data could be collected at three key points during the process of placing an insurance contract: first, when a broker informs bearers about a customer contract opportunity (known as a "trade" or a "submission"); secondly, if the elected institutions respond to a proposed policy ("offer" or "rejection"); and third, if the customer decides which bearer option he wants to accept (a "hit", a "win" or a "tie"). Opinion data can be collected with answers to questionnaires. The information can be collected by brokers and entered directly into a database at the time of collection. A significant proportion of global premiums (corresponding to a large pool of insurance contract transaction data from a number of countries) that are brokered can be tracked in the system. Furthermore, the policies can cover a wide range of customer industries and insurance products.

In block 802 from 8th For example, for each policy generated or managed by a broker through the broker computer device, the parameter values may be accumulated over multiple levels of increasing group size (such as divisions defined in a company) and geographic area. The data can first be collected locally and then regionally and eventually company-wide, which can be on an international level. The data may then be indexed and organized as described below to provide unique views of the data for a corporate broker, regardless of which computer contributed the information to the view. An advantage of accumulating a total data set over a sample is that the greater the presence of an insurance broker, the greater the accuracy of a data parameter. Even previously infrequently used transaction statistics can become more useful as the data is now collected over a larger number of computers and, consequently, over a larger number of data points.

The block 802 can also perform a data anonymization process. In general, anonymizing data may involve manipulating the data so that no individual pricing data or individual identity data can be retrieved from the data. All available data can be retrospective. Before being made available by a computer system, the data may be subjected to a "clean up" or an anonymization process to ensure that the data provided meets established standards. A process for anonymizing the data may include merging newly released data into a data pool consisting of significantly older data points that are themselves anonymized and accumulated. This pooling process can be used to prevent any possible fraudulent practices, whether theoretical or practical, by introducing quarterly data.

The block 804 can generate insurance contract transaction statistics that include at least a sum of insurance contract premiums for insurance contracts brokered by the insurance brokerage firm. As discussed above, the insurance contract transaction statistics may be generated based on transaction data available in one of the broker's computing devices at the time of a request to generate the statistics. In some embodiments, the generation of statistics may be continuous or persistent. For example, when new data is entered into one of the broker's computing devices, the system may accumulate new inputs and update or regenerate statistics. An insurance contract premium statistics can be generated by summing all the collected contract premiums from the accumulated policy transaction data. It should be noted that calculations can be made to determine specific accumulated premium values for various stages of policy transactions (eg, for policies that are completed or at different stages of the transaction process). The block 804 can also anonymize all generated statistics so that no single merchant price or individual identity information can be obtained from the insurance transaction statistics.

The system may display the combinations of insurance contract statistics described herein on a broker computer device (Block 806 ), which did not contribute all the insurance transaction data used to generate the statistics. In one embodiment, at least one broker computing device may display the described insurance transaction statistics combinations and arrangements in which the broker computing device does not collect all of the transaction data during the block aggregation process 802 contributed. As discussed above, it is important to promote the communication of valuable data in support of all broker members of a brokerage company in order to provide better customer service and to increase sales of insurance contracts.

As discussed above, the system may generate a number of different sets of insurance transaction statistics (a set containing one or more items) (Block 804 ). These sets of insurance transaction statistics may be generated based on the broker parameters and further combined and arranged in certain unique displays on a broker computer device.

A first set or combination of insurance contract transaction statistics that may be generated includes a set of insurance premium sums for a first period of time. The insurance premium sums may be indexed or categorized by region for the first period. The insurance premium sums may also be indexed or categorized by insurance industry and / or insurance product for the first period. The first period may be a current period, which may be a current business or a calendar quarter or an annual period, or may be a user-specified period. In some embodiments, a sum value may include a sum of all collected or accessed values for a selected parameter. The sum value may include a sum of all values collected upon receipt of a request to accumulate and / or generate statistics. In some embodiments, the summation value may be constantly calculated or updated as new information is input to one or more of the broker's computing devices that provides transaction data for the accumulation process. Thus, in one embodiment, the insurance premium sums of the first set may be a summation of the total premiums for each of a number of policies collected by the described system.

Another insurance transaction statistic that may be combined with the insurance premium sums may sum insurance contract trade numbers indexed by the regions over the first period. In general, a trade number may include submitted, offered, bound, display only and / or answer trades. The trade number may in some embodiments not include rejected or rejected trades. In one embodiment, a display arrangement may be generated and displayed showing the trade numbers with (eg, adjacent) corresponding sums of insurance contract premium amounts. For example, the combinations may be displayed by region with the corresponding insurance contract premium sums, if the insurance premium sums are also displayed by region. 10 Figure 11 shows a display embodiment showing a set of insurance premium sums mapped to geographic region with corresponding trade numbers. For example, shows 10 that an Americas region has an insurance contract premium amount of $ 7,344 million with a total trade count of 197,282 policies.

Additional insurance transaction statistics that may be combined with the first set of transaction statistics may be a set of insurance contract trade status parameters. 10 shows that a combination of insurance contract trade statistics may include a set of insurance contract trade status parameters. The set of insurance contract trade status parameters may include an indication of the aggregate aggregate amounts of insurance contracts in a set of categories, submitted policies, committed policies, customer rejected transactions, carrier rejected transactions, offered transactions, and answerless (or missing response) transactions contain. This section can provide a broker with an immediate understanding of the general state of a brokerage firm, regionally and internationally.

Insurance premiums for insurance contracts can be summed up based on the insurance carrier for which the policies were placed. For example, a particular carrier may have corresponding premium sum statistics indicating a cumulative amount of insurance premiums that placed with this carrier (by the brokerage firm) for the first period. Therefore, a second set of insurance transaction statistics may include at least that set of premium sum parameters categorized by the insurance carrier.

10 FIG. 10 shows an example advertisement arrangement that maps insurance premium sums for each of a set of insurance carriers. FIG. The set of insurance carriers may be a subset of an aggregate set of insurance carriers for which transaction data exists. The subset of insurance carriers can be determined by a system parameter or by a user selection. The subset of insurance carriers may be determined based on a size of the awards (eg, top 20 award winners). Further, the order of display of the insurance carriers may be ranked based on a size of the premium amount amount associated with each carrier (eg, highest to lowest, or lowest to highest).

Another addition to the second set of insurance transaction statistics may include insurance premium sums categorized by insurance industry and / or insurance products over a first time period. 11 Figure 4 shows an embodiment showing an arrangement of the data or information combination for a set of product categories with corresponding insurance premium sums associated with each product category. 11 The insurance product categories rank by premium amount, with the largest premium amount products listed first. 11 also shows an indication of an arrangement of information for a set of industry categories with corresponding insurance premium sums associated with each industry. In some embodiments, the insurance premium sums may be based on multiple regions (eg, local city, region, country, company-wide / international). In other embodiments, the display device may include functions for displaying an additional arrangement of information including sub-products and / or sub-industries. For example, can 11 show a breakdown of premiums based on sub-products and / or sub-industries when a pointer is over a product or industry main category.

11 The insurance industry categories rank by premium amount (based on the given geographic area), with the industries with the largest premium amounts being the first to be listed. The number of industries and products that in a screen like 11 can show only a subset of an entire set of industries or products. In one embodiment, the display may provide a function that enables display of additional categories, such as a scroll function. 11 shows the products and industries side-by-side and parallel to each other with a scrolling scrolling feature, where the order of both the product category and the top industry category is based on premium amounts per category. The adjacent and parallel arrangement of products and industries allows a broker to quickly assess a broker firm's strengths in insurance contract placement in product and industry groups.

Using the displayed arrangement of information, a broker can immediately determine amounts of a premium placed for each product and customer industry to substantiate the broker's professional information on these products and industries during, for example, a planned sale. In general, this is a general pre-inquiry at initial meetings with potential customers. Therefore, the speed with which this data can be communicated to a broker for a conversation with a potential customer is critical, and the described information arrangement can guide the broker during a presentation.

12 Figure 13 shows a third combination of insurance transaction statistics that includes a premium amount of a bound policy sum associated with each of a set of insurance carriers and a trade total number statistic corresponding to the sum of bound policies for each of the insurance carriers. The sum of bound premiums and trade number statistics may be indexed (that is, categorized or filtered) based on insurance product, industry, or both product and industry. As discussed above, a trade number may include submitted, offered, committed, only displayed, and answered trades. The premium amount of the third combination or the third set of transaction statistics may include only bound transactions. Bound transactions can be insurance contracts that are submitted, offered by an insurance carrier and accepted by a customer. The set of insurance carriers displayed in a particular screen may be a subset of a total set of insurance carriers in which there are associated premium and trade number data. The subset of insurance carriers can be determined by a user selection of the record. Alternatively, the subset may be a best set of insurance carriers based on Specify the premium amount for committed policies, the trade number for the tied policies, or both (eg, based on a ratio of the two).

12 also shows a particular graphical arrangement of the combination of transaction statistics as a graph in which the subset of insurance carriers for the data is displayed along a horizontal axis. A first vertical axis shows a scale indicating a set of bound premiums. A second vertical axis shows a scale indicating a number of trades. The arrangement of the chart allows a contracted bonus amount sum for committed trades to be displayed against an indication of a trade count for the number of committed policies corresponding to the sum of tied premiums for each insurance carrier for a period. This combination or arrangement of transaction statistics may allow an insurance broker to quickly assess the willingness of an insurance carrier for specific types of transactions (eg, based on premium amount). For example, if a sum of a bound premium number of the carrier to a trade count is relatively high, the carrier may focus on high premium deals. The opposite is true for carriers in which the bound premium number is low relative to the carrier's tied trade number.

In some embodiments, the vertical scales (eg, scale ranges or scale factors) may be set for a sum of bound premium amounts and bound trade numbers based on a number of parameters. For example, the scales may be normalized so that the sum of bound premiums and bound trade numbers for each of the displayed insurance carriers can be displayed in a screen for comparison. In some embodiments, an average ratio between the sum of the tied premium amount and the tied trade count may be calculated for each of the displayed insurance carriers. Another advantage of the ad arrangement of 12 is that an insurance broker can effectively compare the efficiencies (determined by the number of bound premiums to bound trade number) of each set of displayed insurance carriers. This can be helpful in meetings with both carriers and contract customers.

The third combination of insurance transaction statistics can provide benefits in a number of situations. For example, the combination may be beneficial in formulating an insurance extension strategy. The combination can indicate which carriers have recently been the strongest competitors and have recently shown the strongest willingness to assume a customer insurance risk. The information combination and display arrangement can help an insurance broker to facilitate customer decisions. When creating an upcoming insurance contract extension between a customer and an existing, established insurance carrier, the ad arrangement may be generated as a filter based on the customer's primary industry. The results may indicate that the current insurance carrier (the incumbent) is not among the top five carriers of premium for the customer's industry, which may result in the customer being advised to consider extending with the established. The ad arrangement may also provide insight into a carrier's preference for small or large premiums (eg, ratio of trades to premium) to further guide the customer in relation to which markets (eg which insurance carriers) for the estimated premium could be more appropriate for the customer.

The information combination and display arrangement may be helpful in another extension situation. Based on the customer feedback, the customer may prefer to stay with the established insurance carrier for the extension period. The customer can expect a premium reduction on extension. The information combination and display arrangement may indicate that the rates for the customer's insurance product are flat and that the established insurance carrier has a strong readiness for the insurance product. The customer can then make an informed decision for the renewal period based on the most recent data.

A fourth combination of insurance transaction statistics includes submission to offer ratios summed based on policy transactions associated with each of a set of insurance carriers. A submission-to-bid ratio is a ratio of a number of policy submissions offered versus a total number of policy submissions. In general, a submission is a proposed contract submitted to a carrier for a price quote. An offered submission is a proposed or proposed contract in which an insurance carrier submits a bid (offer or price). Often, not all submissions can be offered or bid, and therefore the submission-to-offer ratios are usually less than one.

13 FIG. 12 shows an embodiment of a displayed arrangement of insurance transaction statistics including submission to offer ratios associated with each of a set of insurance carriers. FIG. The set of insurance carriers in the screen of 13 displayed may be a subset of an aggregate set of insurance carriers with associated submission-to-offer statistics. The subset can be determined by a user selection of the sentence. The subset may be a default of a set of the best insurance carriers based on submission-to-offer values (eg, highest subset or lowest subset). In one embodiment, the set of displayed insurance carriers may be ranked according to the value of their associated submission-to-tender ratios. 13 further shows that a menu function can be activated to filter the subset of displayed insurance carriers by product and / or industry. Thus, the arrangement of statistics based on insurance product, insurance industry or both insurance product and insurance industry can be filtered / indexed / categorized.

13 further shows that additional insurance transaction statistics for the fourth combination of submission-to-offer transaction statistics may be a parameter indicating percent offered submissions attributed to a deductible amount and a limit amount for the offered policies. 13 FIG. 12 shows a table as part of a display arrangement that has arranged deductible areas along a horizontal axis and limit circumferences along a vertical axis. Each entry in the table has a corresponding deductible and limit scope. An entry in the table indicates percent of a total number of offered submissions for a given deductible and limit size. In one embodiment, the total number of offered submissions may be limited to the sum number of offered submissions for the subset of displayed insurance carriers. For example, in 13 refer the 100% of offered submissions to the total submissions offered to the five insurance carriers listed in the ad.

The combination of statistics offers insurance brokers the advantage of being able to determine which markets currently offer placements with certain limit and deductible properties. Furthermore, the arrangement of statistics may allow brokers to efficiently determine which particular carriers offer to a customer in a particular industry or product group. This can be helpful in the following situations. A first situation is responsive marketing. An established insurance carrier may have promised a flat extension for a customer. At the eleventh hour, the established insurance carrier may have offered a double-digit increase. An insurance broker must be able to respond immediately to determine which carriers are most likely to offer the customer's program so that a last-minute submission can be made. The information combination and corresponding advertisement arrangement may allow a broker to immediately determine that one or more markets (eg insurance providers) have a high submission-to-bid ratio for the type of program the customer needs and a submission can be directed to any market (eg insurance provider). In a second situation, a so-called "carrier participation", a customer may be interested in alternative insurance contract structures. In this case, the customer may want to know which insurance carriers offer certain program structures to align their program with the right people. The ad arrangement may allow a broker to instantly determine the optimal limit and deductible value for each of its bearers. In a third situation of a program design, a customer may ask for the adequacy of his limit and deductible for an existing policy. The combination of information and placement of advertisements may allow the broker to determine where the client fits into the mix of limits and deductible ranges for a current period of time, and to advise the client appropriately.

A fifth set or a combination of transaction statistics and a display arrangement of the transaction statistics shows submissions rejected by the carrier and grounds for refusal of these rejected submissions. In general, the GRIP system provides an overview of both the carrier and the customer's reasons for why insurance proposals were rejected. The broker can generally enter this information into a broker's calculator at the time the bearer or client rejects a bid, and these are selected for one of twenty standardized rejection reasons. The sum of rejections can be categorized by insurance product and insurance industry. In some embodiments, when filtering for one or both of the insurance product and the insurance industry, only the policies for the particular insurance product and / or insurance industry may be examined for disapproval reasons. Thus, the percentages of disapproval may only be part of the total disapproval reason for any disapproved policies or transactions.

14 Figure 11 shows an embodiment of a display arrangement including the fifth set of transaction statistics. The rejected policies used to determine the percent can be filtered by an insurance product (eg, property insurance) and an industry (eg, manufacturing). In the arrangement of 14 For example, a first chart lists a set of rejection reasons and a percentage split for each rejection reason for all bearers, specifically for the selected product and industry. In the by 14 In the embodiment shown, carrier refusal reasons may include a non-competitive price, exposure limit issues, no response (or lack of response) from the carrier, another reason for refusal, and insufficient insurance data. 14 Also, at the top of the chart, shows that the percent of rejection reasons attributed to the product and industry is 91 percent. In some embodiments, when no industry and product group are selected, the number of submissions rejected by the carrier may be a sum of total rejected submissions across all carriers (ie, 100 percent).

The information or data arrangement of 14 shows that the number of submissions rejected by the carrier for a particular carrier may be filtered and displayed next to the reject percentage for all carriers (of a particular industry and / or product, if chosen). In particular shows 14 a display embodiment showing an arrangement of transaction statistics where a chart of total carrier rejection reasons is displayed next to a chart of rejection reasons for a particular or selected carrier. the support may be chosen for analysis or for analysis. 14 also includes a competitor diagram in which fall grounds for a selected subset of carriers may be summed. 14 shows that at least a second competitor diagram may be located adjacent to the first competitor diagram, the selected carrier diagram, and the all carrier rejection diagram. In one embodiment, the subset of bearers may be chosen for either the group of competitors 1 or competitors 2 based on comparable rivals. The comparable competitors may be determined based on a number of preprogrammed parameters such as, but not limited to, the insurance industry and product, premium sums, deductible and / or limit amounts of policies placed, etc. In one embodiment, competitor 1 and competitor 2 may be selected by selection determined by bearers ranked above and below the subject or chosen bearer in the sense of total repudiation reasons. If the carrier in question is the first in the sense of a premium volume ranking, the next two carriers can be chosen as competitors. If the carrier in question is the last in the sense of a premium volume ranking, the preceding two carriers can be chosen.

The combination of statistics can provide insurance brokers with an advantage in being able to advise a customer on insurance carriers (markets) that may be more receptive to their contract structures for specific industry and product groups. For example, if an incumbent carrier has a history of offer rejection for lower pricing, a broker may consult the incumbent's indication of disapproval reasons with regard to the overall carrier and contention carrier information and accordingly recommend to the customer a submission for an upcoming renewal. This could mean premium savings for the customer.

The combination of carrier disapproval reasons and corresponding ad orders can also have a positive impact on the following broker situations. A first situation may include broker coaching of insurance carriers. In this situation, a broker can use the sum of information to discuss insurance carrier performance feedback. For example, an insurance carrier may meet a brokerage firm to introduce a new product. The insurer or insurance carrier may request performance feedback from the broker. The broker may be able to use the display and information combination to show that the primary reasons for customers to reject the carrier's offers are poor pricing. Specifically, it can be stated that this carrier often loses a few percent (eg, 55%) in pricing, but loses the carrier's competitors in pricing less frequently (eg, only about 30%).

In a second situation, a broker may use the information set or display arrangement of the described system to advise a customer on an upcoming renewal. A broker may plan to view three high risk markets (insurance carriers) that may find it difficult to obtain bids. The customer may want to find out about the rejection behavior of the three markets. Using the described display layout, the customer can be cited the five most important reasons for rejecting offers by the wearers as well as their performance relative to their competitors.

A third situation may involve a public perception of an insurance carrier. For example, a carrier may be under public financial pressure and customers may want to know how other insurance buyers perceive the wearer as a viable market. A broker can use the customer order rejection form to determine why customers have declined to contract (or accept contracts) with that market (insurance carrier).

A sixth insurance transaction statistics record may include a percentage change in pricing and policy components for insurance policy renewals based on real-time accumulated transaction data. The sixth sentence may include a rate of change or percentage change in the premium pricing for corresponding periods of the previous year. In other words, the rate change of an indicated quarter may be a change in percentage of the difference in a price value (eg a premium value) from the most recent quarter (eg second quarter of 2010) to the corresponding quarter of a previous year (eg. second quarter of 2009). 15A shows an indication of pricing trends for an extension for five previous quarters, Q4 2010, Q1 2011, Q2 2011, Q3 2011, Q4 2011. 15A shows the data as a bar graph with quarterly periods on a horizontal axis and percent change in premium sum amounts on a vertical axis. The premium sums can be filtered by insurance product and industry groups. For example, the percentage change in premiums may be specific to insurance contracts placed for a chosen product and / or industry.

In some embodiments, the sixth insurance transaction statistics or any of the insurance statistics described herein may be generated based on real-time pricing information. For example, if transaction details (eg, from contracted premiums) are entered into a brokerage calculator for a particular recent transaction, that data may be used for more immediate accumulation and / or continuous recalculation (or generation) of the sixth statistic (or any of the other statistics described herein ). In some embodiments, a real-time collection, as used herein, may include releasing the data values of the selected parameter (s) for access by an accumulation function immediately after entering the completed contract transaction into the computer system. In some embodiments, the request for the statistics may trigger release of the collection data values. The release of the data values may include allowable access to the selected parameter values (eg, through the accumulation function) for generating insurance statistics. Release of data values, as used herein, may include storing the data values in a manner that makes the data values available or accessible to the accumulation function. In some embodiments, a real-time collection may include initiating a function to send and / or collect data values of the selected parameter (s) immediately upon entering a completed contract transaction into a system. In some embodiments, a real-time collection may include a function for accessing / accumulating data value (s) of the selected parameter (s) that are generated, enabled, stored or otherwise made available in response to a request to generate insurance statistics , In any event, while a first process described above for accumulating insurance transaction data is performed on a quarterly basis, a real time accumulation may include an accumulation of the values of selected parameters before a quarterly period has elapsed. In some embodiments, the real-time data may include the basis for a continuous extrapolation of premium rate data to indicate prediction values of premium rates for the current quarter (or beyond the current quarter).

Generating real-time statistics can be an expensive function in terms of computational power and bandwidth (e.g., constantly sending transaction data over a network and executing functions to receive and process the data), and thus in some embodiments, only one or few parameters are used for a constant real-time accumulation and statistics generation. In some embodiments, the selected parameters may be selected for real time aggregation based on a legal status parameter associated with an access location or user identity. Alternatively, the display of insurance statistics based on any parameters of real-time accumulation may be based on the legal status parameter. In general, the legal status parameter (as used herein) may be a parameter based on a local or regional law that indicates what type of policy or transaction data may be used or displayed to certain instances. In some embodiments, the premium pricing may be of interest for the selected parameter. The insurance transaction statistics may include a forecast quarter, which may be a current quarter that has not yet ended or elapsed. For example, if the current day is January 27, 2012, a specified third quarter (01) of 2012 can not yet elapse be. A value of a metric (eg, premium pricing / installments) for Q1 2012 may represent a forecast metric. 15A shows a projected current quarter of Q1 2012 as an example. In general, the projected current quarter may be calculated in part based on policy contracts committed during the current quarterly period that has not yet elapsed, with policy premium premiums (or other parameters) being continuously based on a shorter time period (e.g. daily, hourly, every minute, second and not monthly or quarterly). Insurance transaction data for an unexpired quarter is generally data that has not yet been released by the system for general reports and collections. The forecasted current quarter can also be calculated by extrapolating the change in percentages from previous quarters to the information collected for the current quarter that has not yet passed.

15B Figure 14 shows another combination of insurance transaction statistics showing percent change in premiums broken down by a number of insurance industries for a selected product. An alternative embodiment may include insurance transaction statistics that include percent change in premiums broken down into a number of insurance products for a selected insurance industry. The arrangement of 15B contains a bar chart where insurance industries are indicated on a vertical axis, with corresponding percentage changes in premiums, indicated as bars on a horizontal axis. 15B Figure 4 shows that an array may include an adjacent second bar graph of the same configuration, except for percentage changes projected for each industry based on a current, but not yet quartered, period.

15C Figure 12 shows another combination of insurance transaction statistics containing percentage change in renewal premiums along with changes in components of the extended policies. In particular shows 15C the percentage change in extension rate and extension PPM and percentage changes in policy limits, policy exposure amounts and contract awards.

The sixth set of statistics and the set of ad orders may be used to begin a price discussion with an insurance carrier. A broker may be able to compare a recent premium pricing with recent or historical pricing to determine pricing trends and develop optimal placement strategies. The combination of insurance transaction statistics can assist a broker in creating early extension strategies and in dealing with a customer's extension expectations.

The information combination and placement may be useful to a broker in the following situations. A first situation is when a broker develops an extension strategy plan for a customer in a particular industry, for example, the aerospace industry. The broker may use the information combination and display arrangement to provide a real-time pricing comparison where the aviation insurance market is currently over the previous year's position. For example, if the rates are about 1% lower than last year, the broker can tell the client that a significant market-driven rate increase may be unlikely.

In a second example, a customer who discovers from general news sources that the liability market may be hardening may approach an insurance broker, which means that the customer may experience a 10% increase, for example during the 2010 extension cycle. In this situation, the customer may be worried about the customer's upcoming product liability placement. Using the information combination and advertisements, a broker may be able to provide the customer with information that, while the general liability marketplace appears to be hardening, the product liability marketplace is only moderately hardened (eg, an increase of 1% to 2%). can experience.

A third illustrative situation involves determining a mediation strategy. For example, an established insurance carrier may have indicated that a construction business customer is expecting a 5% price increase at the time of renewal. By looking at the combination of information and advertising orders, a broker can quickly find that rates for the construction industry have decreased by 1%. Since the customer's losses have remained relatively stable and their exposure levels have fallen, the broker may recommend reselling on renewal (that is, planning new policy submissions to other entities).

16A Figure 12 shows a data display arrangement of one of three key metrics over a period of time, referred to as a "trading power" set or display arrangement. The three key metrics can be a submitter stream, a bid rate, and a hit rate. 16B shows a specific example a submission emission statistics. The length of the time periods for the key metrics can be set, for example, to monthly or quarterly periods. The key metrics can be indexed (categorized or constrained) by insurance product, insurance industry, or region link (eg, North American region). In one embodiment, the key metrics may also be indexed by carrier willingness, obligation, and carrier division. Carrier-ready indexing may include filtering the metric based on the capacity or requested limit of a submission-accepting carrier. Obligatory indexing may include filtering the metric based on policy transactions that remain with an existing carrier. With respect to bearer divisions, indexing may be performed in other ways based on the instance accessing that data. For example, indexing for a carrier may be performed in a different way than for a subcarrier. In general, indexing data may refer to a method of identifying data that has a particular property or that belongs to a particular category. This can be done, for example, by linking a tag, flag, or other parameter to the data. With respect to the use of a database, indexing may refer to linking a parameter to a single piece of data. Linking a parameter may be referred to as tagging the data or attaching a flag to the data. In particular, if a database contains a database record that can be represented as a series of a table, indexing the database record may include associating a field with or including a field in a database record, the database record or series with a particular category or property to identify. The linked parameter can then be used in various functions to separate the database records after the property. The accumulated insurance transaction statistics may be divided into specific categories, such as an insurance product and / or insurance industry. This separation into categories can be referred to here as categorization, narrowing, specification, etc. In some cases, indexing the data may also refer to the separation of the data into a specific category. In general, if a statistic is described here as indexed or specific to a particular category, the statistic may have been collected to exclude records that do not belong to the particular category when the statistic is computed. Thus, for example, if the "Submission Stream" is indexed by an insurance product such as property insurance, the "Submission Stream" metric may have accumulated for, and especially for, only property insurance transactions excluding other transactions of product categories other than property insurance.

For each of the three metrics, the ad arrangement may constrain the metric data to each of a set of insurance carriers (eg, show accumulated data peculiar to it), wherein the set of insurance carriers includes at least one selected or objective insurance carrier, the physical insurance carriers can be displayed for a comparison. The subject insurance carrier may correspond to a subscribing insurance carrier who views the statistics or display arrangement of the statistics. The set of insurance carriers may be a subset of an aggregate set of insurance carriers for which transaction data is available in the insurance marketplace environment. The subset of insurance carriers may be determined by a system parameter or by a user selection (eg, by the chosen insurance carrier using the described system). An average of each of the three metrics may be included, the average being calculated based on the subset of carriers containing the subject insurance carrier (in some embodiments, the subject carrier may not be included on average).

Each of the three key metrics may be arranged for display as a line graph, as in FIG 16A shown. A vertical axis of each graph may correspond to a value of the metric, while a horizontal axis of the graph may show periods of time (eg, divisions based on monthly or quarterly periods). 16A shows that each of the metrics on the vertical axis can be given as a percentage of total transaction submissions. Each insurance carrier can be represented as a different colored line. It should be noted that while 16A the data shows as a line graph, other types of graphs can be used as well. Each displayed metric may also include a plot of an average of the metric for the particular set of competitors. In some embodiments, the average may be calculated to include the subject insurance carrier, while in other embodiments, the average may be calculated without the subject insurance carrier. 16B shows a submission process chart for an accident / liability segment where only the subject carrier is registered along with an average competitor line. If comparable insurance carriers (eg competitors) are difficult to identify for an elected insurance carrier, the average competitor curve may be displayed as the default of competitor curves. This may be the case when there are only a few competitors in a given insurance segment and an indication of submissions data for a (multiple) competitor's identity of the competitor (ie, the competitor information can not be anonymous). In one embodiment, individual competitors (carriers) may not be displayed until at least one threshold (eg, three, five, ten, etc.) of comparable carriers can be determined. In one embodiment, an average may be displayed only when at least one threshold of comparable carriers is present.

The set of competitors may be determined based on a number of preprogrammed parameters such as, but not limited to, the insurance industry and product, premium sums, deductible and / or limit amounts of policies placed, etc. In one embodiment, the set of competitors may Choosing carriers to be ranked above and below a threshold amount or level of the subject carrier in terms of a premium volume. If the subject carrier is the first in the sense of a premium volume ranking, the next two bearers may be chosen as competitors. If the subject carrier is the last in the sense of a premium volume ranking, the preceding two carriers can be selected.

In general, a "submissions stream" statistic may be a metric indicating a sum of submissions for the chosen insurance carrier versus a total number of submissions. The "Submission Stream" statistic may also include a submission stream indicating an average number of submissions for a first set of insurance carriers that are competitors for the selected carrier versus the total number of submissions. A "submission-stream" advertisement arrangement may be used to identify patterns of competitor insurance carrier submission by product and industry, and the advertisement may enable an elected insurance carrier to make a favorable, timely tender for submission in certain insurance areas (eg a special insurance product or industry).

An "offer rate" statistic may be a metric indicating a sum of submissions for one (more) carrier offered by the carrier (s). The "offer rate" statistics may be given as a percentage of the sum of submissions for one (more) carrier offered by the carrier (s) over a total number of submissions for the carrier (s). A carrier can not bid for all the submissions it receives.

A "hit rate" statistic may be a metric indicating a sum of offered submissions that are bound. In other words, the "hit rate" may represent a number of submissions offered by the insurance carrier accepted by the insurance customer or policy buyer. The hit rate statistic may be expressed as a percentage of the sum of offered submissions that are committed versus a total number of offered submissions. In general, the hit rate statistic may be specific to a particular bearer or set of bearers. For example, the hit rate statistic may be a sum of bindings for a wearer versus a total number of transactions offered by the wearer. Similarly, for a set of carriers, the hit rate statistic may be a sum of bindings for the set of bearers versus a total number of transactions offered by the set of bearers.

17 Figure 4 shows a data display arrangement of key metrics for four previous quarters for both the selected insurance carrier and the best competitors (competitors) of the insurance carrier. The set of competitors used in this data arrangement may be based on a paid service level for the chosen or actual carrier. The key metrics can be narrowed down by product, industry and region. In this data arrangement, the key metrics can be further narrowed by established or non-established parameters. In one embodiment, the key metrics may also be indexed for carrier ready and carrier division. Carrier-ready indexing may include filtering the metric based on the capacity or requested limit of a submission-accepting carrier. With respect to bearer divisions, indexing based on the entity accessing the data may be performed in other ways. For example, indexing may be performed on a carrier other than for a subcarrier. The key metrics may include "Submission Stream", "Offer Rate", "Hit Rate" and "Conversion Rate".

The conversion rate can be the proportion of trades that ultimately leads to binding offers. Implementation rates can be multiplied by multiplying submission rates (number of submissions for a sponsor versus total number of submissions) with offer rates (number of submissions offered by one or more insurance carriers versus a total number of submissions) and then with Hit rates (number of offered submissions that are tied versus a total number of offered submissions). As with submission rates, knowledge of implementation rates may allow a carrier to focus on specific industries and products in which it is willing to take risks and significantly improve its service offerings. The transparency of implementation rates and the desire of carriers to improve this metric can increase the competition to the benefit of customers.

19A shows a data display arrangement 1900 of insurance contract trade rejection statistics. An objective carrier is in 19A . 19B and 19C labeled "Demo". The denial statistics may include a total of disapproval reasons for both customers and insurance carriers, as indicated by the broker of the brokerage firm during a transaction record. For example, all rejected trades may be broken down or separated by an insurance carrier, for example, according to carrier rejection reasons 1906 , In one embodiment, the most common disapproval reasons may be displayed specifically for the selected insurance carrier along with corresponding percent indicating the rest of the market (provided as a performance comparison) and with "market". 1904 in 19A are designated. The rejection statistics can be calculated specifically for insurance product, insurance industry and / or closing size (eg 19B is special for a property insurance category). The closing size can be separated, with large trades being trades with premiums above an average premium or premium median, while small trades are trades below average or median. 19B shows that the carrier refusal reasons 1906 contain at least one reason for the set of reasons, including a non-competitive price, capacity, business class, exposures and premium threshold, or customer finances. Trades rejected by the customer can be decomposed in a similar way as in 19C shown. Customer refusal or refusal reasons 1922 may include at least one reason for the set of reasons, including acceptance of another offer, poor pricing, poor conditions, established ratio and sponsored finances or perceived weakness.

In general, the Global Risk Insight Platform Carrier Dashboard 190 , this in 1E and 1F provide an overview of both the carrier's and customers' view of why insurance proposals were rejected. This information may be entered by the broker at the time when either the bearer or the customer rejects an offer and is chosen for one of many standardized rejection reasons. Refusal reasons may include capacity, business class, loss of experience, negative prior experience, no response, conditions, not competitive and / or insurer concerns. Refusal reasons may also be indexed by carrier readiness, obligation, and carrier division, similar to other ad orders described herein. The wearer can then be presented with the five most common reasons for rejection (as a percentage of the total rejection reasons), which are further subdivided according to the carrier's preferences, with reference to product, industry, and completion size. Carrier with a higher subscriber level can see their performance measured against a market average. By contrast, lower subscribers can only see the market average. The refusal display arrangements may be performance enhancing for the chosen insurance carrier as they allow the insurance carrier to determine key areas in which their performance can be improved.

To gain better insight into the trade rejection metric, in some embodiments, a particular bar may appear in one of the bar graphs shown in screenshots 1900 . 1910 and 1920 can be selected to allow presentation of a detailed reject record analysis, such as in a screenshot 1930 from 19D is shown. With reference to 19D A verbose rejection analysis includes information such as customer name, business line, effective date, expiration date, risk description, carrier revocation reason, and closing size.

Parts of rejection metric data, either at the more abstract level, in 19A to 19C is shown, or at a refined level, in 19D can be shared with other subscribers of the insurance marketplace environment (eg contributing to competitive metrics of competitors). Sharing, in some embodiments, is possible through an anonymization feature of the Global Risk Insight Platform so that other subscribers can not recognize data points as belonging to a particular subscriber.

20A shows insurance transaction statistics and data arrangement, referred to as "broker insights". The "broker insights" transaction statistics set may be based on an insurance carrier benefits survey performed by the insurance brokerage firm, the broker perceptions classified and quantified by insurance carriers across a number of areas or attributes. The overviews may be performed or executed on a periodic basis (eg, at least once a year) on brokerage computers (eg, based on interactions with customers). The overviews can be requested when carrying out general customer processing.

A summary summary metric may be a Net Promoter Score, also referred to herein as "NPS," which is an aggregate metric collected to indicate the proportion of responses that are positive, negative, or neutral to a carrier. The NPS may be presented to the selected insurance carrier and competitor in connection with the selected insurance carrier over a number of dimensions including a surveyed (monitored entity) business line, customer segment, and role of the respondent.

For example, an NPS rating can be obtained by asking customers, on a rating scale of zero to ten, how great the likelihood of recommending a product to a friend or colleague. Based on their answers, customers can be categorized into one of three groups: supporters (eg rating 9-10), passive (eg rating 7-8) and critics (eg rating 0-6). The percent critics can be subtracted from percent supporters, for example to receive a Net Promoter Score. While a scale of 10 is used in the example above, any scale scale can be used. Areas for each type of category can be a high, medium, and low range. In particular, supporters would be a high end, passives would be mid-range and critics would be a lower end.

With a system that provides an NPS-based overview, brokerage firm partners may be encouraged to supplement the question with additional questionnaires, questioning the reasons for rating the customer of that company or product. The reasons can then be provided to senior executives and management teams for follow-up. Broker feedback can be used extensively when actively working with insurance carriers to assess areas where carriers can improve their response to the benefit of customers.

In the described system, NPS ratings can be obtained for key activity areas such as insurer performance and claim performance, and key product areas such as property insurance, construction and accident / liability. There may also be a demand for a set of "attributes" of service delivery, such as willingness to pay, understanding claims handling and efficiency. The value for the carrier (based on the scale of ten) for each NPS attribute can then be displayed against those of each of its strongest competitors (anonymously presented). In one embodiment, the best ten competitors may be presented. Carriers can typically view NPS and attribute data points as key metrics in improving their product and service offerings.

20B Figure 4 shows a more granular overview of broker insight statistics, including a detailed indication of carrier performance based on segments of the life cycle of the broker process. The lifecycle may include, for example, insurance, postage, claims, and overall ratio attributes. In one embodiment, an overview demographics may be viewed from the Carrier Dashboard relating to 1E and 1F to show the number and structure of responders to the overview in each carrier dashboard region.

Improved carrier insights obtained through the use of the Broker Insight Panel can allow insurers to deliver a unique value to customers by providing them with a better understanding of the reasons behind success and failure, thereby improving customer satisfaction and making competition more effective , More carriers are able to benefit from the service, including those whose size and value currently excludes them from gaining access to the system. Industry subsidiaries gained insights into macro and micro industry trends, which would enable them to improve insurance company performance.

21A shows a data display arrangement called Pipeline. The pipeline ad generally shows transaction opportunities for an insurance carrier forecast over a coming period (eg over the next six months). In general, a pipeline option is an expiring policy that may be pending. In some embodiments, a pipeline opportunity may also be an interest in a new policy. In other embodiments, a Pipeline may also be policies that are not due for renewal in the near future, but where a policyholder may wish to extend or restructure their policy earlier. The pipeline options can be filtered or narrowed by insurance product and insurance industry and by region. The pipeline options can also be filtered or indexed according to carrier readiness and obligation. In one embodiment, pipeline capabilities may also be filtered for cross-selling opportunities where the condition of one policy might present ways to sell another policy. Additional reports may be displayed as an option based on a subscriber level.

There may be two members to the pipeline capability monitor section of the Carrier Dashboard. The first may be a statistical analysis of a broker's insurance extension portfolio, and the second may be a report of upcoming policy renewal opportunities. For each geographic area selected, the pipeline ad placement will show the total number and total duration of renewal opportunities for a brokerage portfolio that matures in the next six months. Vehicles may be able to see this information by product or by industry. In one embodiment, all bearers may have the same view of information. In one embodiment, not all wearers have the same view.

This ad arrangement can help carriers plan their future business.

21B shows a pipeline report that can be generated from a pipeline ad that contains a column named Policy ID. Each row in the pipeline report may be a unique entry with a corresponding unique policy identifier relating to the underlying pipeline capability that the row may represent. The Pipeline Report lists options that arise from existing policies that are mediated, which may be due for renewal in the next term. The information available in this ad arrangement may include customer name, industry, product, approximate closing size, region, and month of maturity. Carriers may be able to search the record themselves for potential opportunities. This possibility can be based on a service level. Once an insurance carrier is aware of a particular risk opportunity, it can express its interest in the opportunity. If a selected insurance carrier determines a particular option that the insurance carrier is interested in, the policy ID may be referenced in a "Register Policy Interest" screen for entering an interest (not shown). Once the policy screen has been completed and submitted, a computer system implementing the methods described herein may inform the brokerage firm of interest in the selected pipeline opportunity for further action. If a customer is receptive to receiving offers from other carriers, a broker may try to secure options for those carriers that the customer has chosen.

Management of pipeline capabilities may, in principle, run like an introductory service before a policy renewal date, thereby increasing the visibility of upcoming carrier renewal opportunities that are willing to risk the customer's habits or specifications, thus expanding the choice for the customer (e.g. For example, by encouraging insurance carriers to bid for renewals), which would otherwise limit options to an established person. This may lead to the introduction of increased competition in conditions that were previously closed, which may tend to lead to more appropriate protection under better conditions.

Conventional means of communicating perceptions between customers and carriers at the time of extension may be somewhat random and based entirely on the knowledge of each broker. The Carrier Dashboard introduces a sophisticated and systematic imagination service that proactively balances a customer's need for Carrier Risk-Awareness with enabling all parties to use their resources more efficiently and objectively.

21C shows a screenshot 2140 , which contains a bar graph, the possibilities in different stages 2144 represents where a broker initially registered interest in the opportunities through the Global Risk Insight Platform. By registering interest through the Global Risk Insight Platform, features of the Global Risk Insight Platform can direct interest request information to insurance carriers to request a timely response regarding the opportunity. As in the screenshot 2140 For example, blocks for possibilities span the entire timeline of stages 2144 , from a pending stage 2144A (eg, a pending response from the wearer) to a bound stage 2144g , Illustrated intermediate stages may, for example, be a submitted stage 2144b , a level rejected by the wearer 2144c , a level rejected by the customer 2144d , a non-submission level 2144e , and a offered level 2144f contain. In addition, the bar graph shows a total number of opportunity interest requests 2146 which are placed by insurance brokers in a period by a "start" drop-down menu 2142A and an "end" drop-down menu 2142b is defined. The carrier may optionally display the information presented in the bar graph using a "category" drop-down menu 2142c to filter by insurance product category, a "division" drop-down menu 2142d for filtering by carrier division and / or a "region" drop-down menu 2142e Filter by geographic region for filtering.

21D shows a screenshot 2160 a detailed report on an issue that brokers have expressed in terms of opportunities during a chosen period. A wearer can see the screenshot 2160 for example by selecting the column of the bar graph in the screenshot 2140 from 21C have accessed the total number of opportunity interest requests 2146 contains. The detailed report contains a table of opportunities that have been registered by an interest tracking system of the Global Risk Insight Platform. Each option may include a combination of the following details: Interest Registration Date, Customer Name, Product, Business Line, Policy Expiration Date, Customer Industry, Broker Name (s), Broker Email (s), Closing Size, and Status. As in 21C is the series of drop-down menus 2142 to filter the data presented in the table, for example by period (using the "Start" menu) 2142A and "end" menus 2142b ), Category (using the "Category" menu 2142c ), Carrier Division (using the "Division" menu 2142d ) and / or geographic region (using the "Region" menu) 2142e ).

22A shows a data display arrangement referred to as "premium share". The "premium share" indicator or statistic rate may provide a breakdown of contributory premium, total premium market share and a ratio or percentage of carrier premium portion versus total market premium share. These statistics may be specific to each of a set of insurance product lines over the past 12 months in a selected geographic region (eg, a country).

The "premium share" statistics and corresponding advertising orders may provide a subject insurer with a general overview of its place in the overall market and the concentration of its business by segment.

The Carrier Dashboard, generally described herein, provides selected information to those insurance carriers who gain access to the Carrier Dashboard computer system. An essential function of the system described may be to provide an objective performance comparison tool that enables carriers to rate their performance relative to other carriers on an anonymized and summed basis. As a result, carriers using the system are able to focus their efforts on aspects of their business that require improvement and, ultimately, develop a better service offering for their existing and potential customers.

The system can be used to sort and process historical and accumulated information critical to insurance contract decisions, specifically for insurers, separately by class and geography around the globe. The information provided may include various business performance analytics that do not contain individual merchant price data. The data may be presented in a user-friendly format that may, in general terms, state the extent and approximate value of protection offered and bound by the wearer in particular classes and territories. Sophisticated algorithms can enable a broker to predict insurance buying behavior in the coming months, informing strategic marketing and buying decisions and enabling their customers to stay at the top of the market.

Insurance carriers may also be able to obtain accumulated information about business classes and territories to which they are interested. This benchmarking process may allow carriers to assess in general terms how their performance is relative to their competitors, thereby improving their products and services and making them more attractive to potential customers. Furthermore, the platform can provide insight into market conditions across multiple geographies. As such, access to GRIP technology can provide an indirect benefit of forging a more coherent marketplace by facilitating cross-border protection.

In general, the Global Risk Insight Platform can use a relational database for the carrier dashboard. In some embodiments, an analysis database (cube) may be used. The database can be implemented with a database schema that includes tables containing the accumulated data through a broker procedure, for example, using a SQL Server integration Service, prepared and loaded for the appropriate reporting period. The data in the database can include all the necessary data to populate different screens of the dashboard. The database schema may serve primarily to service the carrier dashboard application and may be designed to make retrieval as easy as possible and optimize query performance. Most of the, if not all of the accumulation and data manipulation can be done while loading the data into the dashboard schema. Based on this design principle, the schema for the dashboard schema can use a small set of tables for each field (each ad arrangement) in the dashboard. These tables can be created in advance by an Extract-Transform-Load (ETL) process to minimize linkages and data manipulation at runtime. In addition, the database can use views (or, if possible, indexed views) to further minimize links to the display panel graph data. Therefore, the SQL queries only perform simple queries - avoiding complex SQL. The ETL process can calculate averages for each carrier / product / industry combination in advance as needed by the fields. He may also calculate in advance the "market" values, ie the sum of competitors, if applicable. Refreshing the data in the dashboard database can be done regularly by an ETL process. This process may include accumulation and transformation of the data to match the analytic schema design of the carrier dashboard database and its historical data guidance. Some accumulation and data manipulation can also be performed upon user request by the Carrier Dashboard application.

The default record for the dashboard may be the most recent reporting period, e.g. For example, the current month, quarter, or year, as appropriate. To facilitate expansion of the dashboard, including a possible reporting data comparison, the database schema may support tagging of data according to the reporting period for which it was first submitted. This means that the data in the dashboard schema can increase over time and any new data load can augment existing data, even if portions of it are possible copies of previous data.

In some embodiments, one or more computing devices are used to generate a risk portal that allows business instances to view and interact with a wide range of risk data. As used herein, business entities are not limited to profit entities and include government agencies and non-profit entities. 23 shows an exemplary portal screenshot 2300 containing risk data. The data needed to populate the screenshot 2300 can be sent by one or more devices, such as networked servers. The servers and / or other computing devices may generate a number of portals, each containing risk data relevant to a particular business instance.

The portal screenshot 2300 is divided into several sections. A Global Risk Insight Platform section 2302 may be included, which allows a business instance to access information such as pricing insights, research insights, and insurances market insights. In some embodiments, the data used to populate the Global Risk Insight Platform 2302 from a database of insurance placement data that provides critical marketplace information. For example, the platform can provide insight across carriers, industries, and products at every level, from individual transactions to global trends. The platform may also provide a performance comparison of equal risks that are placed across the globe and at what price to help clients evaluate insurance provider performance and anticipate shifts in the marketplace.

The portal screenshot 2300 contains a video clip in some implementations 2304 , The video section 2304 can connect to recorded programs 2306 which may be of a general nature and / or specific business entities. For example, a recorded program may relate to mitigating concerns about a reputation risk of a particular business entity. The video section 2304 can also have a live TV connection section 2308 contain. The live TV connection section 2308 can be used to provide real-time information to business instances. For example, a live TV connection section 2308 during a hurricane, include a professional who explains how current hurricane developments can affect a business entity.

A risk management instrument section 2310 may be included, offering the user a range of risk management tools. It can be a worldwide risk level connection 2312 be chosen to display a map that has risk levels around the world or within a special one geographic region shows and explains. The map can be color-coded to show all the risk supply chains, manufacturing capabilities, reputation and other elements. A Global Risk Insight Platform peer service connection 2314 can be selected for a request for a performance comparison report.

The risk management instrument section 2310 may also include a risk limit index section. The risk limit index section may include a link to provide an overview of a risk limit index. In one embodiment, a risk limit index is created from responses to a questionnaire on risk management processes, business conduct, and risk understanding.

The portal screenshot 2300 contains, in some implementations also risk information from one or more social media sources are derived, such as blogs, Twitter ^® of Twitter, Inc., San Francisco, CA, and Facebook ^® of Facebook, Inc., Menlo Park, CA. Social media sources can show trends that are not reported by other sources of information. For example, Facebook can try ^® group to convince users to boycott a product, and this event could not be reported by traditional news sources. Social media sources can also report messages earlier than other traditional news sources.

Social media sources can be monitored to report industrial hazards in an industrial risk news section 2318 , Reputation risk news in a reputation risk news section 2320 and supply chain risk messages in a supply chain risk message section 2322 provide. In some embodiments, business instances provide search criteria, search matrices, or other information used to locate relevant social media entries. In various embodiments, social media information may be filtered with one or more computing devices, manually or with a combination of computing devices and manual filters. Each section may contain a newsfeed that identifies the social media source and provides a brief summary of the content. The newsfeed may take the form of a hyperlink allowing a user to connect to the content source. In some embodiments, the user may choose the social media sources to be monitored. Users can also provide specific areas to monitor and can provide search criteria. For example, a user may decide to delete industry ice news and the industry risk message section 2318 replaced by a risk section relating to a newly issued product. The user can provide search criteria for the newly released product.

The portal screenshot 2300 can also have a graphics section 2324 containing numbers of mentions of news events for a number of social media sources over a given time period. The graphics section 2324 shows relative numbers of mentions for a number of social media sources for three events, Event A, Event B, and Event C. The events, in some instances, may include natural disasters, company boycotts, or any other types of events that pose risks to the business instances ,

28A and 28B show different aspects of an exemplary architecture that is a GRIP platform 2800 implemented. The high-quality architecture includes both hardware and software applications, as well as various data communication channels for communicating data between the various hardware and software components. The GRIP system 2800 Can be rough in front-end components 2802 and back-end components 2804 be divided. The front-end components 2802 are predominantly in a customer network 2810 arranged that one or more customers 2812 contains. The customer 2812 For example, and not by way of limitation, geographically separate locations may include different areas of the same city, different cities, different states or even different countries. The front-end components 2802 contain a number of workstations 2828 , The workstations 2828 are local calculators that are located in different places 2812 in the network 2810 and run various GRIP applications.

Web-compatible devices 2814 (eg, personal computers, tablets, cell phones, smart phones, web-compatible TVs, etc.) can communicate with places 2812 and the system 2840 through a digital network 2830 or a wireless router 2831 be connected as described below.

Referring now to 28A Those of ordinary skill in the art will recognize that the front-end components 2802 also a number of plant servers 2826 can contain the number of places 2812 instead of or in addition to a number of workstations 2828 , Each of the places 2812 can be one or more attachment servers 2826 contain the communications between the web-compatible devices 2814 and the back-end components 2804 via a digital network 2830 , described in the following, and between the terminals 2828 . 2828a the places 2812 over the digital network 2830 can facilitate and provide information for a number of customers / employees / accounts / etc. save in connection with any facility. Of course, a local digital network can 2884 also each of the workstations 2828 ready for operation with the system server 2826 connect. Unless otherwise specified, any discussion of workstations applies 2828 also on the equipment server 2826 and vice versa. Further, other environments than the places 2812 such as the kiosks, call centers and Internet interface terminals, the workstations 2828 , the web-compatible devices 2814 and the servers 2826 use. As used herein, the term "location" refers to any of these touchpoints (eg, call centers, kiosks, Internet interface terminals, etc.) in addition to the locations described above 2812 , etc.

The front-end components 2802 communicate with the back-end components 2804 over the digital network 2830 , One or more of the front-end components 2802 may be from communication with the back-end components 2804 be excluded by configuration or limited access due to security concerns. For example, the web-compatible devices 2814 from direct access to the back-end components 2804 be excluded. In some embodiments, the places 2812 with the back-end components over the digital network 2830 communicate. In other embodiments, the locations 2812 and web-compatible devices 2814 with the back-end components 2804 over the same digital network 2830 but digital access rights, IP masking, and other network configurations may provide access to Web-compatible devices 2814 reject. The web-compatible devices can also connect to the network 130 over the encrypted, wireless router 2831 be connected.

The digital network 2830 may be a corporate network, a secure public Internet, a virtual private network or other type of network, such as dedicated access lines, ordinary conventional telephone lines, satellite links, combinations thereof, etc. When the digital network 2830 contains the Internet, data communication takes place via the digital network 2830 via an internet communication protocol. In addition to one or more web servers 2890 (described below) contain the back-end components 2804 a central processing system 2840 within a central processing facility. Of course, the places can 2812 communicative to various back-end components 2804 coupled with one or more functions or capacities that correspond to the central processing system 2840 are similar. The central processing system 2840 can one or more computer processors 2862 that are customized and configured, various software applications and components of the wireless customer data transfer system 2800 in addition to other software applications, such as a medication management system.

The central processing system 2840 also contains a database 2846 (which may contain one or more databases). Database 2846 is designed to store data related to the operation of the GRIP system 2800 Respectively. The central processing system 2840 can access data in the database 2846 are stored when there are various functions and tasks related to the operation of the system 2800 performs.

Although the GRIP system 2800 in the illustration a central processing system 2840 in communication with three places 2812 and various web-compatible devices 2814 It should be understood that various numbers of processing systems, locations and devices may be used. For example, the digital network 2830 (or other digital networks, not shown) the system 2800 with a number of included central processing systems 2840 , hundreds of places 2812 and thousands of web-compatible devices 2814 connect. According to the disclosed example, this configuration can offer several advantages, such as uploading and downloading information almost in real time, as well as enabling periodic uploading and downloading of information. This provides a primary backup of all information generated in the wireless customer data transfer process. Alternatively, some of the places 2812 Data locally on the attachment server 2826 and / or the workstations 2828 to save.

28A also shows a possible embodiment of the central processing system 2840 , The central processing system 2840 can be a controller 2855 who are ready with the database 2846 over a connection 2856 connected to an input / output (I / O) circuit 2866 connected. It should be noted that, although not shown, additional databases with the controller 2855 can be connected in a known manner.

The control 2855 contains a program memory 2860 , the processor 2862 (which may be referred to as a microcontroller or microprocessor), a Random Access Memory (RAM) 2864 and the input / output (I / O) circuit 2866 all over an address / data bus 2865 connected to each other. It should be clear that, although only a microprocessor 2862 is shown, the controller 2855 several microprocessors 2862 may contain. Likewise, the memory of the controller 2855 several RAMs 2864 and several program memories 2860 contain. Although the I / O circuit 2866 As a single block is shown, it should be clear that the I / O circuit 2866 may contain a number of different types of I / O circuits. The RAM (s) 2864 and the program memories 2860 For example, they may be implemented as semiconductor memories, magnetically readable memories and / or optically readable memories. A connection 2835 can the controller 2855 ready for operation through the I / O circuit 2866 with the digital network 2830 connect.

28B shows a possible embodiment of the front-end components 102 that are located at one or more of the places 2812 from 28A are located. Although the following description is based on the design of the places 2812 directed, it should be clear that the design of one or more of the places 2812 different from the design of other places 2812 different. Likewise, any of the places 2812 have different different structures and operating methods. It should also be clear that while the in 28B Illustrated embodiment shows some of the components and data connections in one place 2812 they do not show all of the data connections that are in one place 2812 can be present. For exemplary purposes, a design of a location will be described below, but it should be understood that numerous other designs may be used.

Each of the places 2812 has one or more tablets 2833 and / or a plant server 2826 , The digital network 2884 and the wireless router 2831 connect the attachment server 2826 ready for use with the number of tablets 2833 and / or with other web-compatible devices 2814 and workstations 2828 , The digital network 2830 may be a wide area network (WAN), a local area network (LAN), or any other type of digital network that is well known to those skilled in the art. The digital network 2830 can be the attachment server 2826 , the tablets 2833 , the workstations 2828 and / or the other web-compatible devices 2814 ready for operation with the central processing system 2840 connect.

Every tablet 2833 , every workstation 2828 , every customer terminal 2828a or any plant server 2826 contains a controller 2870 , Similar to the controller 2855 from 28A contains the control 2870 a program memory 2872 , a microcontroller or a microprocessor (MP) 2874 , a random access memory (RAM) 2876 and an input / output (I / O) circuit 2880 all over an address / data bus 2878 connected to each other. In some embodiments, the controller may 2870 also a database 2882 contained or otherwise communicatively connected to this. Database 2882 (and / or the database 2846 from 28A ) contains data such as customer records, insurer information records and other regulations and various information. As with reference to the controller 2855 discussed, it should be clear that, though 28B only a microprocessor 2874 shows the controller 2870 several microprocessors 2874 may contain. Likewise, the memory of the controller 2870 several RAMs 2876 and several program memories 2872 contain. Although the 28B the I / O circuit 2880 As a single block shows, the I / O circuit can 2880 include a number of different types of I / O circuits. The control 2870 can the RAM (s) 2876 and the program memories 2872 For example, as a semiconductor memory, as a magnetically readable memory and / or optically readable memory implement.

Either one or both of the program memories 2860 ( 28A ) and 2872 can also machine-readable instructions (ie, software) 2871 , for execution in the processor 2862 ( 28A ) respectively. 2874 contain. The software 2871 can perform the various tasks in conjunction with an operation of the place or places and can be a single module 2871 or a number of modules 2871a . 2871b be. While the in 28A and 28B illustrated software 2871 with two modules, 2871a and 2871b is shown, the software can 2871 contain any number of modules that perform tasks related to one site operation.

In addition to the controller 2870 can the tablets 2833 , the workstations 2828 and the other web-compatible devices 2814 a display and keyboard as well as a number of others Input / output devices (not shown) include a scanner, printer, mouse, touch screen, trackpad, trackball, isopoint, voice recognition system, digital camera, bar code scanner, RFID reader, etc. An employee Location can be with any tablet 2833 , every workstation 2828 or each customer terminal 2828a Sign up and staff this to help the employee perform their tasks. Employees can look at the tablet 2833 at the workstation 2828 or the customer terminal 2828a using an available technique, such as entering a username and password. When an employee at the system uses a tablet 2833 logs in, forwards the network 2884 this information about the attachment server 2826 so the controller 2870 can determine which employees at the system 2800 are logged in and on which tablet 2833 which workstation 2828 or which customer terminal 2828a the employee is registered.

Various software applications operating in the front-end components 2802 and the back-end components 2804 include performing on-premises operation functions and providing various user interface means that provide a user (eg, broker) access to the system 2800 enable. One or more of the front-end components 2802 and / or the back-end components 2804 can be a user interface application 2811 which allows a user to access data in connection with the system 2800 enter and view and interact with the GRIP system described below. In one embodiment, the user interface application is 2811 a web browser client and the attachment server 2826 or the central processing system 2840 implements a server application 2813 to provide data for the user interface application 2811 , The user interface application 2811 however, it may be any type of interface, including a corporate interface, and may be connected to the attachment server 2826 or the central processing system 2840 communicate using any type of protocol including, but not limited to, file transfer protocol (FTP), telnet, hypertext transfer protocol (HTTP), etc. Further, some embodiments may use the user interface application 2811 included on any of the web-compatible devices 2814 while other embodiments are running the application 2811 can contain on the tablet 2833 in one place 2812 running. The central processing system 2840 and / or the attachment server 2826 can implement any known protocol that works with the user interface application 2811 compatible on the tablets 2833 , the workstations 2828 and the web-compatible devices 2814 is running, and designed for the purpose of receiving and providing the necessary information during the data transfer process.

For the purpose of implementing the GRIP system 2800 the user interacts with location systems (eg the central processing system 2840 ) about a number of web pages. 28C shows a web server 2890 that's over the network 2830 to a number of tablets 2833 and other web-compatible devices connected by a user 2892 the GRIP system 2800 initiate and interact with it. The web-compatible devices may be, for example, a smartphone 2894a , a web-compatible mobile phone 2894b , a tablet computer 2833 , a personal digital assistant (PDA) 2894c , a laptop computer 2894d , a desktop calculator 2894e , a portable media player (not shown), etc. included. Of course, any Web-compatible device that is properly configured can work with the GRIP system 2800 to interact. The web-compatible devices 2833 and 2894 do not necessarily have to network 2830 communicate over a wired connection. In some cases, the web-compatible devices 2833 and 2894 with the network 2830 via wireless signals 2896 communicate and can in some cases communicate with the network 2830 via an intermediate wireless or wired device 2831 which may be a wireless router, a wireless repeater, a transceiver base station of a mobile telephony provider, etc. Each of the web-compatible devices 2833 and 2894 can with the web server 2890 interact to receive web pages like the web page 2898 , in the 28C shown on a display in conjunction with the web-compatible device 2833 and 2894 display. It is clear that, although only a web server 2890 in 28C shown is several web servers 2890 for the purpose of distributing the server load, operating various web pages, implementing various parts of the local web interface, etc.

Referring now to 28D contains the web server 2890 like the attachment server 2826 , a controller 2806 , Similar to the controls 2855 and 2870 contains the control 2806 a program memory 2808 , one or more microcontrollers or microprocessors (MP) 2816 , a random access memory (RAM) 2818 and an input / output (I / O) circuit 2820 all over an address / data bus 2822 connected to each other. In some embodiments, the controller may 2806 also a database 2824 or other data storage mechanisms or communicatively connected thereto (eg, one or more hard disk drives, optical drives, solid state storage devices, etc.). Database 2824 may include data such as customer web profiles, product data, web page matrices and / or web pages, and other data necessary for interaction with the user 2892 through the network 2830 necessary. As with reference to the controls 2855 and 2870 discussed, it should be clear that, though 28D only a microprocessor 2816 represents the control 224 several microprocessors 2816 may contain. Likewise, the memory of the controller 2806 several RAMs 2818 and several program memories 2808 contain. Although the 28D the I / O circuit 2820 As a single block shows, the I / O circuit can 2820 contain a number of different types of I / O circuits. The control 2806 can the RAM (s) 2818 and the program memories 2808 For example, as a semiconductor memory, implement magnetically readable memory and / or optically readable memory.

In addition to the connection through the network 2830 to the user devices 2833 and 1694 , as in 28C shown, shows 28D that the web server 2890 also through the network 2830 to the central processing system 2840 and / or one or more attachment servers 2826 can be connected. As described below, connection to the central processing system facilitates 2840 and / or to one or more attachment servers 2826 the GRIP system 2800 ,

The program memory 2808 and / or the RAM 2818 can have different applications for execution by the microprocessor 2816 to save. For example, an application 2832 provide the server with a user interface, which user interface may, for example, enable a network administrator to configure, troubleshoot, or otherwise access information on various aspects of server operation. A server application 2834 works to web pages of web-compatible devices 2894 to equip and transfer information from the user 2892 to receive that to the server 2890 be returned and appropriate data to the central processing system 2840 and the attachment server 2826 forward, as described below. Like the software 2871 can the server application 2834 a single module 2834 or a number of modules 2834a . 2834b be. While the server application 2834 in 28D with two modules, 2834a and 2834b can be shown, the server application 2834 contain any number of modules that perform tasks related to the implantation of the web server 2890 related. For example, the module 2834a load and transfer the web pages and / or input from the user 2892 receive and evaluate to facilitate the wireless transfer of data from a first tablet to a second tablet while the module 2834b with one or more of the back-end components 104 can communicate to provide the requested data.

Typically, a user may have a user interface application (eg, a web browser or other customer application) from a web-compatible device, such as the web-compatible devices 2833 and 2894 start or instantiate to access the web server 2890 to gain that with the system 2840 works together to get the GRIP system 2800 to implement.

One or more processors may be used to implement functions and / or algorithms described herein, unless expressly stated otherwise. In addition, all functions and / or algorithms described herein may be executed on one or more virtual processors, for example, one or more physical computing systems such as a computer farm or a cloud drive, unless otherwise specified.

Reference has been made to flowcharts and block diagrams of methods, systems and computer program products in accordance with implementations of this disclosure. Aspects of this are implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing device to generate a machine so that the instructions executed by the processor of the computer or other programmable data processing device provide means for implementing the functions / actions are specified in the block or blocks of the flowchart and / or block diagram.

These computer program instructions may also be stored in a computer readable medium that may direct a computer or other programmable data processing device to function in a particular manner such that the instructions stored in the computer readable medium produce an article of manufacture that includes the instruction means containing the Implement function / action specified in the block or blocks of the flowchart and / or block diagram.

A number of implementations have been described. Nevertheless, it will be understood that various changes may be made without departing from the spirit and scope of the disclosure. For example, preferred results can be achieved if the steps of the disclosed techniques are performed in a different order, if components in the disclosed systems are combined in a different manner, or if the components are replaced or supplemented with other components. The functions, processes and algorithms described herein may be performed in hardware or software executed by hardware including computer processors and / or programmable circuits configured to execute program code and / or computer instructions to perform the functions described herein. Execute processes and algorithms. In addition, some implementations may be performed on modules or hardware that are not identical to those described. Therefore, other implementations are within the scope that can be claimed.

Claims (17)

A system for parsing and distributing data in connection with insurance policies, the system comprising: a non-transitory computer-readable data store providing long-term storage for a plurality of insurance records, each insurance record having information relating to a corresponding policy of a plurality of policies, wherein storage regions of one or more storage devices comprise the data store; a processor; and a non-transitory computer-readable medium coupled to the processor, the non-transitory computer-readable medium storing machine-executable instructions that are operable, when executed on the processor, to cause the processor: receive multiple interest registrations via a network of a first set of customer computing systems, each corresponding interest registration corresponding to a corresponding policy of the plurality of policies; receive from a first computing device of a second set of customer computing devices over the network a request for a possibility report, wherein the request a) has at least one time frame attribute and b) at least one policy attribute, and the request is submitted via a dashboard interface; in response to the request to identify one or more registrations of the multiple interest registries, each registration containing one or more registrations corresponding data corresponding to a first time frame attribute of the at least one time frame attribute, and a corresponding policy attribute corresponding to each policy attribute of the at least one policy attribute; for displaying on the remote first computing device, a graphical representation relating to the one or more registrations, wherein the graphical representation for each registration of the one or more registrations contains information regarding the corresponding policy; and provide access to the graphical representation via the dashboard interface via the network of the first computing device. The system of claim 1, wherein the first time frame attribute identifies a scope of data corresponding to at least one of a) a registration date and b) a policy expiration date. The system of claim 1, wherein the at least one policy attribute comprises one or more of i) a product category, ii) an insurance carrier division, iii) a geographic region, iv) a customer industry, v) a product type, and vi) a closing size. The system of claim 1, wherein at least a subset of the multiple registrations corresponds to a respective opportunity to enter a transaction for a new insurance policy. The system of claim 1, wherein at least a subset of the plurality of registrations corresponds to a corresponding opportunity for insurance carriers other than an established insurance carrier to enter into a transaction for replacement of an existing insurance contract upon expiration of the pre-existing insurance contract. The system of claim 1, wherein the instructions, when executed, cause the processor, before receiving the request for the possibility report: receive, via the network of one or more computing devices of the second set of computing devices, a corresponding offer corresponding to a subset of the multiple registrations; receive, via the network from the first computing device, a request for a possibility state report; in response to the request for the possibility state report, compiling a summary graph, wherein the compiling of the summary graph comprises determining a corresponding total number of registrations of at least a subset of the plurality of registrations at each stage of a plurality of negotiation levels, the plurality of negotiation levels being an upcoming stage and an offered stage, wherein the total number of registrations in the offered stage comprises a sum of the multiple offers submitted by a subscriber affiliated with the second set of computing devices, and generating the summary graphical representation for each stage of the computer a negotiation level comprising a graphical element having the corresponding total number of registrations corresponding to the corresponding level; and provide access, via the network of the first computing device, to the summary graphical representation via the dashboard interface; wherein receiving the request for the possibility report comprises receiving an indication of a selection of a particular graphical element of the plurality of graphical elements. The system of claim 6, wherein: the particular graphical element corresponds to a rejected level; and the graphical representation for each registration of one or more registrations contains a corresponding reason for rejection. The system of claim 6, wherein the plurality of negotiation stages comprises a) an submitted stage and b) a bound stage. The system of claim 6, wherein the plurality of negotiating stages comprises a) a carrier-rejected stage, b) a customer-rejected stage, and c) a non-submission-capable stage. The system of claim 6, wherein the summary graphical representation comprises a waterfall graphic of the plurality of negotiation levels. The system of claim 1, wherein: the possibility report is a pipeline report; identifying the one or more registrations comprises identifying a plurality of existing policies that run within a given time frame identified by the first time frame attribute, the plurality of policies already existing having one or more policies associated with the one or more policies Registrations are connected; and the creation of the graphical representation comprises creating the graphical representation relating to the plurality of existing policies. The system of claim 1, wherein the graphical representation comprises a plurality of input controls configured, when selected, via the network, to the dashboard system one of a) a corresponding updated value of the at least one time frame attribute and b) a corresponding updated value of the at least one policy attribute provide. The system of claim 1, wherein the graphical representation includes a corresponding risk description for each registration of the one or more interest registries. A non-transitory computer readable medium storing instructions for parsing and distributing data associated with insurance contracts, the instructions, when executed by the processor, causing the processor to: receive multiple registrations over a network from a first set of customer computing systems, wherein each registration of the several registrations corresponds to a corresponding insurance contract; receive, via the network of at least one computing device of a second set of customer computing devices, a corresponding offer corresponding to a subset of the plurality of interest registrations; receive via the network from a first computing device of the second set of customer computing devices a request for a possibility report, wherein the request a) has at least one time frame attribute and b) at least one policy attribute, and the request is submitted via a dashboard interface; in response to the request, identify at least a subset of the multiple registrations corresponding to the at least one time frame attribute and the at least one policy attribute; for displaying on the first computing device, a graphical representation relating to the subset of the multiple registrations, wherein creating the graphical representation comprises determining a corresponding total number of registrations of the subset of the plurality of registrations in each stage of a plurality of negotiation levels, wherein the plurality of negotiation levels is an upcoming stage and an offered level, wherein the total number of registrations in the offered level comprises a sum of the plurality of received listings, and generating the graphical representation for each level of the multiple negotiation levels comprises a graphical element comprising the corresponding total number of registrations corresponding to the corresponding level represents; and provide access to the graphical representation via the dashboard interface via the network of the first computing device. The non-transitory computer readable medium of claim 14, wherein the instructions, when executed by the processor, cause the processor, via the network of one or more customer computing systems of the first set of customer computing systems, to make a corresponding offer rejection according to the corresponding offer submitted in relation to one or more registrations of the subset of the multiple registrations, the multiple negotiation levels having a customer rejected stage. The non-transitory computer-readable medium of claim 14, wherein the instructions, when executed by the processor, cause the processor: receive, via the network from the first computing device, an indication of a selection of a particular graphical element of the plurality of graphical elements; to provide, for presentation on the first computing device, a detailed graphical representation of one or more registrations corresponding to the particular graphical element; wherein the detailed graphical representation for each registration of the one or more registrations corresponding to the particular graphical element includes information regarding the corresponding policy; and provide access to the detailed graphical representation via the dashboard interface via the network of the first computing device. The non-transitory computer-readable medium of claim 16, wherein the detailed graphical representation for each registration includes the one or more registrations corresponding to the particular graphical element, i) a corresponding product, and ii) corresponding broker contact information.

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