Underwrite Risk with
Operational Intelligence
Go beyond documentation reviews. Assess what actually determines claims outcomes.
The Underwriting Challenge
Traditional underwriting relies heavily on documentation review: Does the insured have a business continuity plan? An emergency response protocol? Cyber incident procedures?
But documentation existence tells you almost nothing about execution capability. And it’s execution capability—the ability to actually respond effectively when incidents occur—that determines claims outcomes.
STOIC RESILIENCE partners with insurance carriers to assess what traditional underwriting can’t see: the operational reality behind the paperwork.
Partnership Opportunities
Pre-Bind Risk Assessment
Enhanced due diligence for complex risks or large accounts. Our Event Readiness Index (ERI) assessment provides operational intelligence that supplements traditional underwriting data.
- Quantified readiness scoring across five critical dimensions
- Gap identification that correlates with the claims’ likelihood
- Executive-level reporting suitable for underwriting files
Loss Control Services
Value-added services for policyholders that improve risk profiles and reduce claims frequency and severity.
- Crisis response training for insured leadership teams
- Tabletop exercises tailored to policy-covered scenarios
- Business continuity program reviews and enhancements
Premium Differentiation Programs
ERI-based assessment protocols that enable risk-appropriate pricing. Insureds who demonstrate genuine operational capability earn preferred rates—creating market incentive for actual preparedness.
Why Operational Assessment Matters
Research consistently shows that crisis outcomes depend more on response capability than on incident severity. Organizations with strong execution capability contain incidents faster, minimize business interruption, and recover more completely.
For carriers, this means operational capability assessment provides predictive value that documentation review cannot match.
Our Credentials
Our principal brings a unique combination of credentials to the insurance partnership: CBCP certification demonstrating business continuity expertise, combined with 26 years of Division Chief experience commanding real incidents. This operational perspective enables assessment of factors that traditional risk consultants—with purely academic or compliance backgrounds—cannot evaluate
Discuss Partnership Opportunities
Explore how operational intelligence can enhance your underwriting and loss control programs.