Renewal season for commercial insurers usually means the same conversation on
repeat: chasing a policyholder for information that either never arrives, or arrives in a
format nobody can compare to last year’s file.
According to the Association of British Insurers, insurers are increasingly expected to
factor climate and sustainability-related resilience into commercial underwriting and
portfolio risk management. Doing that credibly requires data that can actually be
compared — something ad hoc disclosure chasing was never built to deliver.
A structured, consistent framework changes what that conversation looks like.
What a 120-Metric Framework Actually Covers
TDH’S public disclosure analysis works by scoring companies against a consistent set
of 120 questions, built around what actually drives risk and resilience in that company’s
sector.
• Metrics are weighted by industry materiality, so a manufacturer and a hospitality
business aren’t judged against identical criteria
• Coverage spans 11 sectors and 77 industries, giving underwriters a consistent
reference point regardless of what a policyholder does
• Scores roll up into topic-level and pillar-level views, so a single company’s
resilience profile is easy to read at a glance
This isn’t a survey a policyholder fills in once and forgets. It’s built from public
disclosures — websites, reports, certifications, policy documents — structured into a
comparable format from day one.
Why Consistency Across Sectors Matters
A risk indicator only means something if it means the same thing every time it’s used.
Without a shared framework, one underwriter’s read on “good practice” won’t match
another’s, and a company’s score this year won’t compare cleanly to last year’s. That
inconsistency breaks portfolio-level analysis before it starts.
A consistent, sector-weighted scoring approach means every company — regardless of
size, sector or how much they’ve disclosed — gets measured against the same
underlying logic. That’s what makes the resulting data usable for something beyond a
single file.
What This Enables for Portfolio Benchmarking
Once every company in a book of business is scored the same way, underwriters gain
something surveys never provided: a genuine portfolio view.
• Benchmark a single policyholder against sector, industry or revenue-band
averages
• Spot which parts of a portfolio carry outsized resilience or supply chain risk
before renewal, not after a claim
• Track how a company’s risk profile shifts year over year, on a like-for-like basis
The public disclosure analysis supports this by keeping scores current as new
disclosures become available — so benchmarking reflects where a business actually
stands, not a snapshot from a renewal cycle ago.
What This Means for Underwriting Teams
A 120-metric view doesn’t just fill a data gap. It turns renewal conversations from an
information-chasing exercise into a genuine risk discussion, backed by data that holds
up across the whole book.
Talk to Our Team
See how public disclosure analysis brings consistent, sector-weighted risk data into
your renewal and portfolio review process. Talk to our team to explore what it looks like
for your book of business.
