Napco provides concise risk analyses and property summaries to insurance underwriters to help them make quick decisions. By executing data collection, analysis, and presentation basics exceptionally well, Napco aims to consistently get submitted risks to the top of underwriters' piles. Napco gathers comprehensive data on accounts and runs proprietary analytics to filter out key information. It packages analyses like location breakdowns, catastrophe modeling outputs, and construction details into easy-to-understand formats. This allows underwriters to determine participation potential within five minutes. Napco's process is tailored based on underwriter feedback to deliver a better result for retailers and their risk management needs.
12. Napco’s competitive advantage is that we present risks
in a manner that allows all parties to the transaction
make quick but well informed decisions
13. Napco has continually asked our
underwriting and retail partners:
∗ What information do you want?
∗ How do you want it presented to you for best result?
14. Napco’s process is a result of the
answers they provided
∗ Provide great data
∗ Put it in a format that is easy for us to use
∗ Put it in a format that is easy to understand
∗ Provide complete data to prevent slowing up the
process
33. Account Analytics
New Madrid Earthquake Locations
State County Damage Zone Total Values No. of Loc. Average Largest Loc. % of Total
Arkansas Craighead Major $2,424,225 1 $2,424,225 $2,424,225 4.6%
Greene Major $2,663,295 1 $2,663,295 $2,663,295 5.0%
White Major $2,599,558 1 $2,599,558 $2,599,558 4.9%
Faulkner Median $2,231,932 1 $2,231,932 $2,231,932 4.2%
Jefferson Median $2,432,749 1 $2,432,749 $2,432,749 4.6%
Pulaski Median $8,488,458 5 $1,697,692 $2,327,456 16.0%
Arkansas Total $20,840,217 10 $2,084,022 $2,663,295 39.4%
Mississippi DeSoto Major $2,088,225 1 $2,088,225 $2,088,225 3.9%
Panola Major $3,140,377 1 $3,140,377 $3,140,377 5.9%
Lafayette Median $1,928,628 1 $1,928,628 $1,928,628 3.6%
Mississippi Total $7,157,230 3 $2,385,743 $3,140,377 13.5%
Missouri St. Louis Median $9,340,298 2 $4,670,149 $8,029,890 17.6%
Missouri Total $9,340,298 2 $4,670,149 $8,029,890 17.6%
Tennessee Shelby Major $13,483,974 7 $1,926,282 $2,343,576 25.5%
Madison Median $2,113,729 1 $2,113,729 $2,113,729 4.0%
Tennessee Total $15,597,703 8 $1,949,713 $2,343,576 29.5%
Grand Total $52,935,448 23 $2,301,541 $8,029,890 100.0%
35. Account Analytics
Exposure
Data
EXPOSURE SUMMARY
(based on % of Total Insurable Values)
Brick
Wood Frame
Construction Analysis
Other
Wood Frame
Unknown
Construction Type Total Insurable Values 80%
Brick $ 147,150,971
Wood Frame $ 868,238,294
Other $ 50,487,834
Unknown $ 23,699,953
Total $ 1,089,577,052
Brick
13% Other
5%
Unknown
2%
37. Account Analytics
Exposure
Data
Sprinkler Analysis
Sprinklered Total Insurable Values
Yes $ 968,759,911
N $ 65,677,246
N - Phase 1; Y-Phase II $ 31,439,942
Unknown $ 23,699,953 Yes
Total $ 1,089,577,052
N
Yes N - Phase 1; Y-Phase II
89%
Unknown
N
6%
Unknown
2% N - Phase 1; Y-Phase II
3%
39. Account Analytics
Exposure
Data SAMPLE FLOOD ZONE MAP Flood Zone Analysis
318 Walnut Street
Denver, CO 80204 CX
69%
FEMA Flood Zone: AE
Unknown
26%
AE
3% A
2%
42. Account Analytics
CAT Modeling Windstorm Loss Analysis
Summary Losses 100yr 250yr 500yr 1000yr
All Locations 7,323,560 11,256,386 15,506,073 19,480,832
Top 5 Key Drivers of Loss 100yr 250yr 500yr 1000yr
2287 N. FEDERAL HWY POMPANO BEACH FL 33062 US 376,359 676,452 1,021,836 1,687,050
225 FM 2094 ROAD KEMAH TX 77565 US 380,353 794,073 1,069,044 1,461,551
21090 ST. ANDREWS BLVD. BOCA RATON FL 33433 US 297,780 582,624 1,021,738 1,873,076
19975 BISCAYNE BLVD. MIAMI FL 33180 US 315,075 752,968 1,210,248 1,380,703
65 U. S. 1 NORTH JUPITER FL 33477 US 216,188 402,649 712,233 959,892
43. Account Analytics
CAT Modeling Windstorm Loss Analysis
Top 5 Event Losses
Loss Exceedance Occ Loss Peril Year Event ID Event Desc
1 in 10,000 years 32,850,033 TC 3699 12434 SS=5 : Seg 31
1 in 5,000 years 25,231,542 TC 8794 29429 SS=5 : Seg 30
1 in 3,333 years 24,174,325 TC 5144 17195 SS=5 : Seg 30
1 in 2,500 years 22,307,853 TC 4548 15218 SS=5 : Seg 24
1 in 2,000 years 21,668,314 TC 4104 5674 SS=5 : Seg 31
45. Account Analytics
CAT Modeling Earthquake Loss Analysis
Summary Losses 100yr 250yr 500yr 1000yr
All Locations 13,119,352 20,131,373 23,507,099 28,006,563
Top 5 Key Drivers of Loss 100yr 250yr 500yr 1000yr
15555 E. 14TH STREET, SUITE 366 SAN LEANDRO CA 94578 US 521,039 1,013,417 1,416,510 1,745,596
15252 SUMMIT AVENUE FONTANA CA 92336 US 509,157 930,135 1,234,418 1,425,675
27490 LUGONIA AVE. REDLANDS CA 92374 US 437,897 876,689 1,098,361 1,308,359
3303 S. DOGWOOD ROAD EL CENTRO CA 92243 US 413,492 814,214 907,542 981,421
2100 W. FLORIDA AVE HEMET CA 92545 US 259,311 814,601 1,393,920 1,815,118
46. Account Analytics
CAT Modeling Earthquake Loss Analysis
Top 5 Event Losses
Loss Exceedance Occ Loss Peril Year Event ID Event Desc
1 in 10,000 years 45,810,328 EQ 2908 20004 Mw=7.36
1 in 5,000 years 37,082,724 EQ 2061 14168 Mw=7.01
1 in 3,333 years 33,302,748 EQ 7747 41921 Mw=7.48
1 in 2,500 years 32,923,150 EQ 6099 30864 Mw=8.09
1 in 2,000 years 32,605,850 EQ 4484 1599 Mw=6.55