Rethinking Exposures - Considerations for Modern, Emerging and Complex Risks
A clearly defined exposure base is essential for actuarial modeling, and its definition has become increasingly complex as risk becomes more complex. Telematics and cyber insurance are examples of this added complexity, and we expect this complexity to grow as coverage becomes more complex. Should a telematics exposure be based on trip count or miles driven? When should an exposure base also be a variable in your predictive model? What about composite exposure bases? How can a more complex exposure base improve your ability to react to environmental or societal changes? We will discuss these questions and more in this session.
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Rethinking Exposures - Considerations for Modern, Emerging and Complex Risks
A clearly defined exposure base is essential for actuarial modeling, and its definition has become increasingly complex as risk becomes more complex. Telematics and cyber insurance are examples of this added complexity, and we expect this complexity to grow as coverage becomes more complex. Should a telematics exposure be based on trip count or miles driven? When should an exposure base also be a variable in your predictive model? What about composite exposure bases? How can a more complex exposure base improve your ability to react to environmental or societal changes? We will discuss these questions and more in this session.
Learn more about the speakers
Thomas Holmes
Thomas Holmes is currently the Head of US Actuarial Data Science at Akur8. Before Akur8, he worked for several years at Allstate, spending time as an analyst for commercial auto and then as a lead modeler on Allstate’s property modeling team. During his time as an actuary, he has worked with GLMs, GLMnets, and GBMs. He received his Fellowship from the Casualty Actuarial Society in 2019.
Max Martinelli
Max Martinelli is a Lead Actuarial Data Scientist at Akur8, where he spearheads machine learning initiatives for P&C pricing for the North American market. With a background in predictive modeling, actuarial analytics, and computational mathematics, Max brings both technical depth and practical expertise to his clients. A dedicated collaborator with the Casualty Actuarial Society, he has played a key role in advancing AI initiatives—co-authoring and leading the CAS AI Fast Track Bootcamp and co-hosting Almost Nowhere, the CAS Institute’s new podcast exploring AI and Data Science in insurance.
