Reviewed by Apex Insurance Brokers · Last reviewed 2026-06-22
Reviewed by Apex Insurance Brokers · Last reviewed 2026-06-22
Reviewed by Apex Insurance Brokers · Last reviewed 2026-06-22
~2 min read
Reviewed by Apex Insurance Brokers · Last reviewed 2026-06-22
Category: Pricing & rating · Reviewed by Tim Roche, Director · PI & Commercial · Last reviewed
In short:Moody’s RMS (formerly Risk Management Solutions) is one of the two largest commercial providers of catastrophe modelling software. Founded at Stanford University in 1989, it was acquired by Moody’s Corporation in 2021 and now sits within Moody’s RMS division.
Key product lines
RiskLink / Risk Modeler — flagship platform for global natural catastrophe modelling.
Industry Exposure Database — industry-level exposure benchmarks.
HD models — high-definition models (e.g. US hurricane HD) at higher event-set granularity.
Climate Change models — forward-looking climate-conditioned versions of standard perils.
Cyber Solutions — including the Cyber Accumulation Management System.
EQECAT models (acquired 2013).
Perils covered
Wind storm, severe convective storm, earthquake, flood, wildfire, terrorism, pandemic, cyber. Region coverage spans North America, Europe, Asia-Pacific, Latin America, Middle East.
Use cases
Insurer and reinsurer per-risk pricing.
Treaty pricing for property catastrophe layers.
Capital allocation and Solvency II internal model calibration.
Our service promise. We acknowledge every quote request the same working day. For straightforward risks, indicative terms typically follow within five working days. Complex risks — higher-risk buildings, cladding, mid-term proposals requiring fresh underwriting — may take longer; we’ll send you a progress note by the end of the fifth working day in those cases.
