Reimagining Catastrophic Risk Underwriting with Agentic AI

Catastrophic risk has never been static. Yet for decades, underwriting decisions have largely relied on point-in-time assessments—historical averages, periodic model updates, and manual expert judgment. In a world of accelerating climate volatility, rapidly evolving exposure patterns, and increasing regulatory scrutiny, this approach is no longer sufficient. 

Flood plains shift. Wildfire behavior evolves with vegetation and weather patterns. Storm intensity changes faster than traditional models can adapt. Underwriters are left balancing speed, accuracy, and compliance—often with fragmented data and limited real-time insight. 

The result is higher uncertainty, slower decision cycles, and growing pressure on loss ratios. 

The Challenge: Static Models in a Dynamic Risk Landscape 

Traditional catastrophic risk underwriting workflows were not designed for today’s realities: 

This fragmentation makes it increasingly difficult to maintain confidence in underwriting decisions as risk conditions change. 

From One-Time Assessment to Always-On Risk Intelligence

Xebia’s Agentic Catastrophic Risk Solution fundamentally redefines how catastrophic risk is assessed. 

Instead of treating risk as a static snapshot, the solution enables a continuously adaptive underwriting process—one that responds in near real time to evolving environmental signals, portfolio changes, and regulatory requirements. 

At its core, the solution combines trusted enterprise data, real-time hazard intelligence, and agentic AI reasoning to ensure risk evaluations are always current, explainable, and decision-ready. 

A Unified AI Framework for Adaptive Underwriting 

Xebia’s Agentic Catastrophic Risk Solution brings multiple AI capabilities together in a single, coherent framework: 

Rather than producing isolated scores, the solution delivers context-rich insights that underwriters can understand, trust, and act upon. 

Visualizing the Agentic Catastrophic Risk Solution

At a high level, Xebia’s Agentic Catastrophic Risk Solution is built as an intelligent decision layer on top of Databricks. 

Databricks acts as the data and analytics foundation, unifying historical claims data, exposure information, and portfolio datasets with external hazard intelligence such as flood, fire, and wind data. By centralizing this information in the Databricks Lakehouse, underwriting teams work from a single, governed source of truth. 

On top of this foundation, Xebia’s agentic AI framework continuously reasons over the data—evaluating scenarios, assessing evolving conditions, and generating contextual insights. Large language models are used to interpret complex signals and translate them into clear, underwriter-ready explanations, while Databricks provides the scale, governance, and performance required for enterprise-grade analytics and AI workloads. 

Insights are surfaced through an intuitive user interface and can be embedded directly into existing underwriting workflows. As new data arrives in Databricks, risk assessments automatically adapt—ensuring decisions remain current, explainable, and aligned with real-world conditions. 

The result is a Databricks-native, AI-powered underwriting experience, where catastrophic risk is no longer assessed once and forgotten, but continuously evaluated using trusted data and intelligent reasoning. 

From Reactive Risk Management to Proactive Resilience

By continuously adapting to environmental and market conditions, Xebia’s Agentic Catastrophic Risk Solution enables: 

Future-Ready Catastrophic Risk Underwriting on Databricks

In an era of climate volatility and regulatory complexity, underwriting can no longer rely on static models and delayed insights. 

Built on Databricks, Xebia’s Agentic Catastrophic Risk Solution transforms catastrophic risk underwriting into an always-on, adaptive capability—where decisions evolve with the world they reflect.