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Verisk Analytics helps property and casualty insurers decide which risks to insure, how much to charge and how to handle claims. Insurers use its policy wording, expected-loss information and property and vehicle data to design coverage and price policies. Underwriting services generate most of its revenue; claims tools help insurers estimate repair costs and detect suspected fraud. It also models potential catastrophe losses for insurers and reinsurers.
Customers mainly pay subscriptions for access to its software, databases and updated insurance content, generally paying annually or quarterly in advance. Smaller revenue streams come from individual transactions and advisory work. U.S. property and casualty insurers supply most of the revenue, though no single customer dominates. Some fees are linked to insurance premiums or the volume of claims processed.
The business depends on continued access to data contributed by insurers and obtained from outside sources. Verisk generally does not own that source information, and some contributors can withdraw or decline to renew access. Privacy and data-use laws restrict what it can collect and use. An antitrust settlement also limits insurers’ involvement in Verisk’s governance and business.
The risk section is the longest, dullest part of the filing. This keeps only what can really hurt you: where it hits, how hard, when it plays out.
Every company claims an edge. Each one is checked against hard numbers like margins and returns: which hold, and which line gives way first.
RELX’s LexisNexis Risk Solutions competes with Verisk for insurers buying data to decide which risks to cover and how to price them, analyze risk and detect fraud.
Moody’s RMS competes with Verisk to sell insurers models that estimate catastrophe losses and help determine how much reinsurance to buy. Watch RMS’s adoption by insurers assessing portfolio losses—the same decisions that Verisk’s catastrophe models serve.
TransUnion competes with Verisk for insurers buying data and analytics to select risks, price policies and prevent fraud. Watch its insurance offerings built on data such as driver violation histories and digital device identifiers, rather than treating its broader credit business as a direct read on Verisk.
ExlService Holdings, Inc. competes with Verisk for insurers paying for data analytics and technology that support underwriting and claims decisions. Watch its Insurance segment’s work embedding analytics into insurers’ daily operations, where its services overlap with Verisk’s tools.
Moody's Corporation earningsMCO
Moody’s report will show whether insurers are adopting RMS catastrophe models to assess portfolio losses and decide how much reinsurance to buy, a market where it competes directly with Verisk.
Look for evidence of RMS adoption and insurers using its models to assess portfolio losses and arrange reinsurance. Rising adoption would show insurers continue to pay for catastrophe-risk analysis, intensifying competition for Verisk’s comparable models. Weak adoption would point to limited demand for these tools, not prove that Verisk’s sales are growing.
TransUnion earningsTRU
TransUnion’s report will show whether insurers keep buying data and analytics for risk selection, policy pricing and fraud prevention—uses that overlap with Verisk’s business.
Focus on TransUnion’s insurance offerings, including risk selection, pricing and fraud tools built on data such as driver violation histories; its larger credit business is not a direct read-through. Stronger insurance demand would show insurers are paying for these data-driven services, increasing competition with Verisk in overlapping uses. Weaker demand would point to softer buying in those shared areas.
Verisk Analytics, Inc. earningsThis company
Verisk’s report will show whether insurers keep buying its underwriting and claims tools, and whether those sales are growing profit.
Read underwriting and claims revenue growth alongside the EBITDA margin—the share of revenue left as earnings before interest, taxes, depreciation and amortization. Growth in both areas with a steady margin would show insurers keep buying and costs are not absorbing the sales gains. Slower claims growth or a falling margin would point to weaker demand or rising costs.
