CDS has just updated RiskMeter's Crime Report. This report is updated yearly and it's based on FBI Uniform Crime Reporting Statistics (UCR) and demographic clustering to estimate crime rates for very small areas (census block groups). The latest update includes new data from 2006. For users who aren't familiar with this report, all you need to do is enter an address and it will return 10 crime scores for a given location.

Many of our customers have found this report to be extremely helpful when writing commercial and residential property, by identifying high risk areas prior to instituting coverage. In addition, carriers who write convenience stores and fast food restaurants have also used them to evaluate the risk of an area. For more information or to test drive this report for two weeks, please contact your account executive at 617.737.4444

As we mentioned last month, CDS has added a resources section to RiskMeter. These pages are chock full of information and statistics on various RiskMeter reports. These pages can really help you to gain a more detailed understanding of the RiskMeter.

CDS has just added a new crime section to our resources page. This section contains information on how to use our crime report, what fields are returned, how the scores are calculated and sample reports. There are also statistics like average score by state, percentage of each score, urban/suburban/rural averages, etc.

To view the material in this section, you will need to log into your account. Once you've logged in, you'll notice several hyperlinks (view address, new account, etc) on the bottom of the page. All you need to do is click on the second to last link (glossary/resources) and you'll be taken to a landing page, which contains the resource link. If you have any questions about this section, please contact customer service at 617.737.4444.

CDS has added Maryland to its growing list of areas where the RiskMeter Storm Surge report is now available. This report identifies areas susceptible to coastal flooding from hurricanes. Virginia will be the next state added, then we will have the entire Gulf and Atlantic Coasts complete. If you have any questions or are interested in a free trial, please contact Daniel Munson at 617.737.4444 or dmunson@cdsys.com

With more and more insurance companies focusing on improving underwriting results, we wanted to offer a solution that would help you to streamline your underwriting process and maximize your bottom-line. CDS is proud to announce that it has integrated e2Value's replacement cost calculators into the RiskMeter Online. This means that within a matter of seconds, you can now get the potential geographic risk and replacement cost of a property.

E2Value offers several different replacement cost calculators, including: residential, farm and ranch, commercial property and more!

Additional benefits of this partnership include:

• Elimination of duplicate data entry - Since this program is fully integrated, RiskMeter Online users can get geographic risk reports and property valuations without duplicate data entry
• One Account/One Bill - RiskMeter Online users will receive one bill, which contains the number of geographic risk reports and property valuations
• One Contact Person - If someone has a question about billing or how the account is set up, RiskMeter Online users just need to speak with their account executive

Determining the potential geographic risk and replacement cost of a property are two crucial steps in the underwriting process. By integrating e2Value's replacement cost services into the RiskMeter Online, we can give your organization a competitive edge by saving you valuable time and money! Call your account executive at 617.737.4444 for more information.

Did you know that the RiskMeter is highly configurable? Many different parameters can be changed with no programming and at no cost to you. Here is a partial list, but there are many more:

• The default zoom of the maps can be changed
• The coastal definition can be changed to meet your specifications
• The distance parameters for coastal measurements can be changed
• Your rating territories can be used
• For brush you can measure to high, or medium and high brush
• You can have different medium and high distances
• We can return custom messages
• Different member ID's can have different functionality
• Custom data layers can be used in the system

We will be holding a Webex at 2:00 EST on Tuesday December 11th. We will review many of the options available, and participants will have the opportunity have their questions answered. To sign up for the Webex, go to: http://cdsys.webex.com.

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 append this information to new policies using the RiskMeter Online, 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.

CDS is also looking at collecting this data where public data doesn't exist. For instance, determining roof shape from aerial photos, checking for pools using aerial photos, etc. Call CDS if you are interested in this information.

The South Carolina Department of Insurance has issued a data call for personal lines business, including dwelling, tenant, condo and mobile-homeowners and commercial business including BOP and SMP. Farm policies are excluded. The first report is due at the department no later than November 15, 2007 covering the months of January through September for the current and prior years. The DOI is looking to monitor exposures within the wind pool eligible areas and CDS can help.

These windpool areas are available on the RiskMeter Online for insurers who need this information for renewals, new business and cancellations. To add this report to your account or for more information about running a batch of your current in-force policies, please contact Jamie Munson at 860.854.6125 or jmunson@cdsys.com

The distance to fire station is a rating factor with a very big impact on premiums that is rarely verified by the carrier. According to our sources, having a location more than 5 miles from the fire station can add $500-$600 in premium, or up to 40% on a single policy! So verifying the distance to fire station and calculating the proper premium, can add significant money to your overall premiums. If you are not checking the distance, you may be effectively giving the insured a 40% discount that he/she is not entitled to!

Solving this problem is easy. The RiskMeter Online can calculate the distance to the nearest fire station in real time. The distances returned are routed distances using roads, not a "crow's fly's" distance. Additionally, if you gave CDS all of your policies in areas with split fire ratings, CDS can tell you which ones are more than 5 miles away, and thus should get the higher class. Think of the profits that you could make, by simply rating the policies properly, without having to write one more piece of new business!

For more information, please contact Jamie Munson at jmunson@cdsys.com or 860.854.6125 for more information.

Polling for Financial Insights and Tech Decisions 2nd Annual Insurer's Choice Awards is now underway. They are looking to salute the top insurance technology providers.

CDS needs your help! We would appreciate it if you would take the time to fill out this survey and nominate the RiskMeter Online. To take the survey, please go to:
http://www.financial- insights.com/FI/services/insurerschoice.jsp

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)

CIWA Wholesaler Industry Day
January 10 - 11, 2008 *La Jola, CA

CAT Modeling 2008
February 19 - 22, 2008 *Tampa, FL

NAPSLO Mid Year
February 20 - 23, 2008 *Scottsdale, AZ

AAMGA Insurance Automation
March 8 - 11, 2008 *Addison, TX

PCIAA Joint Marketing and Underwriting Seminar
March 16 - 18, 2008 *New Orleans, LA

IMUA Annual Conference
April 5 - 9, 2008 *Dallas, TX

AAIS Main Event
April 20 - 22, 2008 *Ponte Vedra Beach, FL

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

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

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, contact Angela Sciola at 617.737.4444 or asciola@cdsys.com

National Risks
Tuesday, November 27, 2007
2:00 pm- 3:00 pm (EST)
https://cdsys.webex.com

Featured WebEx: Customization
Tuesday, December 11, 2007
2:00 pm- 3:00 pm (EST)
https://cdsys.webex.com

National Risks
Wednesday, December 12, 2007
2:00 pm- 3:00 pm (EST)
https://cdsys.webex.com

Western Risks
Thursday, December 20, 2007
2:00 pm- 3:00 pm (EST)
https://cdsys.webex.com


National Risks
Thursday,December 27, 2007
2:00 pm- 3:00 pm (EST)
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

• XL Reinsurance
• NOVA Casualty Company (Part of the AIX Group)

• Cornerstone General Agency
• The Poites Agency

• Greene Hazel
• Mcarron Insurance

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

Angela Sciola, Support, Training and Customer Service
Tel: 617.737.4444
Email: asciola@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

Dave Poitras, Account Executive
Tel: 617.737.4444
Email: dpoitras@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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