As many of you may know, the SCWHUA expanded the wind pool area TWICE last year. However, the extended areas are considered temporary, and may expire in the future. In order to provide our users with better information in regards to South Carolina Beach and Coastal Windpool areas, CDS has added a new feature to its SC Windpool report. If a policy happens to fall into a windpool zone, the RiskMeter can now alert users if the policy in question falls into the older, permanent territory or into the new temporary one. To add this feature to your account (there is no additional charge), please contact your account executive at 617.737.4444.

CDS has developed a tool that will allow underwriters, agents and brokers to run schedules through the RiskMeter themselves! CDS can run schedules for clients, but users must Email us a file, which we run through our software internally, and then it is sent back to the client. With the batch tool, users will be able to take their schedules and run policies through on their own.

How does it work?
The only thing users will need to do is upload a tab delimited file on the batch client Web site. Once the file is uploaded, it gets processed automatically and the results are Emailed back. Users can expect to receive an Email with their results a few hours later. This tool will definitely help brokers, who require a quick response. Also, since this process requires no intervention by CDS, schedules can be run at any time of day.

For more information, please contact your account executive at 617.737.4444

On Thursday, May 15th at 2pm EDT Daniel Munson, Founder, RiskMeter Online will lead a live demonstration of the RiskMeter Batch tool. This is a great way to see for yourself how this powerful tool can increase sales and streamline underwriting. To secure a spot at this event, please go to: https://cdsys.webex.com

In the past few weeks there have been numerous articles written about the importance of data quality when it comes P&C risk modeling.

For carriers in catastrophe prone states, reinsurance can be the largest expense. The biggest factors in setting these prices are Probable Maximum Losses (PML's) calculated by the catastrophe modeling firms. In these calculations several building characteristics are used, including: year built, number of stories, roof shape, and more.

Unfortunately, many carriers have not collected and stored this information on their policies. When calculating PML's, if the information isn't provided, the modelers must make assumptions. In these cases, since the companies are looking for worst case scenarios, they will penalize a carrier that does not have this information for each policy. If the carrier had the information, in most cases, this would lower their PML's and reinsurance costs, because actual information would be used, as opposed to assumptions. Therefore it makes sense to append and store this information.

For reinsurers, appending this data can be a tremendous competitive advantage as well. Uncertainty in the models has a negative affect on everyone. Even if a customer or broker does not have this information in their policy file, it is worthwhile for the reinsurer to collect and pay for this data. Why? Because by having the data on each policy, reinsurers can reduce uncertainty, and therefore better price risk. So theoretically, the reinsurer with this information can under-price competitors and still know that they will make a profit because of better information. This will lead to more business and higher profits for the reinsurer, even though they are giving lower prices to the carrier!

CDS can return this information in real-time or in a batch for your current book. You simply provide a file of your policies and we can append year built, square footage, number of stories and more! Contact Dan Munson at 617.737.4444 or dmunson@cdsys.com to discuss your needs.

Guy Carpenter & Company, LLC, has integrated the RiskMeter Online into its award winning i-aXs Data Management Platform. By integrating this service into i-aXs, Guy Carpenter clients with a RiskMeter account will have one-click access to their subscribed RiskMeter information for the specific location analyzed.

"Guy Carpenter remains committed to providing its clients with greater flexibility in how they use i-aXs, by integrating it with a host of powerful complementary services," explains Ryan Ogaard, Managing Director and Global Leader of Guy Carpenter's Instrat unit. The addition of the RiskMeter Online will provide i-aXs users with the ability to view and manage their exposure information through a single, unified hub.

To test drive this service, please contact your Guy Carpenter account executive or Dan Munson, Founder, RiskMeter Online at 617.737.4444

Some users have been confused, due to our minimum hurricane category field in our storm surge report. For example, an area with a minimum hurricane category of 1 poses a greater risk than a maximum hurricane category of 5. This is because every hurricane (category 1-5) would affect an area with a minimum hurricane category of 1, while an area with a maximum hurricane value of 5, would only be affected by the strongest (cat 5 ) storms. And a 0 means no risk (not expected to be affected by storm surge).

In order to provide our users a clearer picture in regards to their storm surge risk, we have added a new field called "Storm Surge Score". The new score field returns a simple 0-5, where 5 is the highest risk, and 0 is the lowest risk/no risk. This should be easier for underwriters to understand, as the higher the number, the higher the risk.

• 5 - Highest Risk
• 4 - High Risk
• 3 - Medium Risk
• 2 - Medium/Low Risk
• 1 - Low Risk
• 0 - Very Low/No Risk

If you have any questions, please contact our Customer Support desk at 617.737.4444

Within the next few weeks the RiskMeter Online will be adding the following states: IN, LA, MI, NE, NV, OH, OK, SD and UT to its Section/Range/Township (S/R/T) search feature. After that we will add AL and TX.

If you're not familiar with S/R/T it's a system known as the Public Land Survey System (PLSS). Basically, it is a standardized grid used in western states. The section grids are rectangles approximately 1 mile across. They are used in many cases by rural insurers or when insuring agricultural/farm properties. This is the newest way to zero in on an address, and can be found as one of the tabs on the search by address page.

Additionally, if you have a list of addresses or coordinates, we can give you the section/range/township for each. This is helpful for companies trying to aggregate to section/range/township. For more information, please contact customer service at 617.737.4444

CDS will be attending or exhibiting at the following upcoming conferences. Whether you're a customer or prospect, we'd love to meet with you onsite at these exceptional events! Feel free to stop by our booth or if you wish to schedule an appointment, please contact Dan Munson at 617.737.4444 (dmunson@cdsys.com) or Bradley Sherwin at 617.737.4444 (bsherwin@cdsys.com)

Wholesale Insurance Leadership Forum
May 4 - 7, 2008 *Hot Springs, VA

AAMGA Annual Meeting
May 17 - 21, 2008 *Scottsdale, AZ

FAIA Annual Convention
June 12 - 14, 2008 *Orlando, FL

Western States Surplus Lines Conference
July 13 - 16, 2008 *Sunriver, OR

AAMGA UFO
September 4 -6, 2008 *Whistler, British Columbia

Napslo Annual Convention
September 10 -13, 2008 *San Diego, CA

Target Markets Annual Convention
October 13 -15, 2008 *Tempe, AZ

In order to help you utilize the RiskMeter Online more effectively, we are now offering FREE Online training. This is a great way for your organization to have its most pressing questions answered, learn about reading various risk reports and discover how to utilize cutting-edge features, such as: Birdseye Geocoding, One Click Ruler and Manual Placement. To register for an upcoming Webcast, click on one of the links below or for more information, please contact Val Feeney at 617.737.4444 or vfeeney@cdsys.com

National Risks
Wednesday, April 30, 2008
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

Western Risks
Wednesday, May 7, 2008
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

National Risks
Wednesday, May 14, 2008
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

Western Risks
Wednesday, May 21, 2008
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

National Risks
Wednesday, May 28, 2008
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

Would you like the opportunity to evaluate any one of our risk reports without obligation? Now you can! For a limited time you will be able to test-drive any RiskMeter Online report for FREE! Take advantage of this exceptional opportunity to see how a particular risk report can benefit your organization. To add a FREE, one-month risk report to your account, please call 617.737.4444.

Carriers

• Westfield Insurance

• Arlington Roe & Co
• Crump Insurance Services (Orlando, FL)
• Metro Insurance
• Quaker Special Risks
• Trinity Underwriting
• Underwriters Group Inc
• Winchester General

• All Risks LTD
• Bay Insurance Group
• Fred C. Church
• Hays Companies
• ISU Insurance Services of Westlake
• McGriff, Seibels & Williams, Inc.

Having a hard time managing your inbox? You can now receive the RiskMeter eNewsletter via regular mail. To get the latest issue of the RiskMeter newsletter delivered to your office (when it becomes available), please email Paul Ptashnick at: pptashnick@cdsys.com

Daniel Munson, Founder and VP of Sales & Marketing
Tel: 617.737.4444
Email: dmunson@cdsys.com

Jamie Munson, Director of Consulting Services
Tel: 860.854.6125
Email: jmunson@cdsys.com

Bradley Sherwin, Sales Manager
Tel: 617.737.4444
Email: bsherwin@cdsys.com

Val Feeney, Support, Training and Customer Service
Tel: 617.737.4444
Email: vfeeney@cdsys.com

Dave Poitras, Account Executive
Tel: 617.737.4444
Email: dpoitras@cdsys.com

Monique Audette, Account Executive
Tel: 617.737.4444
Email: maudette@cdsys.com

Wendy Corr, Account Manager
Tel: 617.737.4444
Email: wcorr@cdsys.com

If you would like more information on any of the topics discussed in this newsletter, please contact Dan Munson, VP of Marketing & Sales at: 617.737.4444 or dmunson@cdsys.com

Please forward this free newsletter to a friend or colleague who might benefit from it. We only ask that you send the entire newsletter. Thanks!

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