Insurance and Financial Services

In the financial services sector, location intelligence is the key to staying competitive. Having the most accurate, most up-to-date mapping and location data to hand helps you to understand where risks are, and if there's been accidental (or deliberate) accumulation of risk - ie, fraud.

Location data is also essential for getting the most valuable insights from your customer base, and to innovate with localised or bespoke products and services. But, if you're working in the risk business, then you want to be 100% confident about the data sources you're using. This is where emapsite can help.

 

"I'm here to answer all of your questions and I'm happy to share the location insights I've learned working with insurers and banks over the last decade.

Drop me a line. Let me know what kind of case studies would interest you - how we've already helped other businesses with challenges like yours. We're specialists in finding mapping solutions that help visualise and analyse risk, and I like a challenge!"

Simon Goodwin

Practice Lead, Insurance and Financial Markets

Ask Simon how these datasets in particular could help you visualise your risks and make them more meaningful:

  • Definitive property addressing (residential and commercial)
  • Topographic base mapping, aerial imagery and 3D terrain data
  • Validated data showing the age, construction type and footprint of buildings in the UK
  • Flood risk areas - river, coastal and surface water risks
  • Subsidence, freeze zones and windstorm areas
  • Mapping of burglary, arson, criminal damage, vandalism and theft
  • Retail property valuation and credit datasets showing indebtedness

 

Contact Simon by email now

Contact Simon today, challenge him with your toughest questions about mapping and location data for the financial services sector. We'll find the answers...

Risk modelling, underwriting, pricing, innovating...

 

In a competitive market, many forward-thinking firms in the financial services sector are now using location intelligence to drive innovation, to underpin and deliver new products and services to their customer base - on a far more granular basis.

We have a wealth of experience, aggregating location data for financial services firms. We can combine our sources with your own proprietary data, create new datasets, and help you to crunch the numbers that make a difference to clients and intermediaries alike.

User-ready location data

 

emapsite has a wide range of data for insurers, underwriters, loss adjusters, risk modellers, actuaries and analysts. It's the data you need, delivered in the way that suits you best.

OS MasterMap Topography Layer

OS MasterMap Topography Layer is the most detailed and accurate view of Great Britain's landscape – from roads to fields, to buildings and trees, fences, paths and more.

Product Details

OS MasterMap is the most detailed, current and comprehensive map dataset of Great Britain, enabling you to make better decisions and manage your assets more effectively. Working with the other mapping layers in the suite, OS MasterMap Topography Layer gives you the visual context to help interpret addresses, routes and imagery. OS MasterMap is the approved dataset for planning applications and land registration.

Continually updated, OS MasterMap contains 450 million geographic features found in the real world, from detailed building and road outlines to water features, pathways, bus shelters and letter boxes.

 

OS MasterMap is ideal for:

  • Use in CAD or GIS
  • Planning
  • Site location and evaluation
  • Risk management
  • Transport and infrastructure
  • Asset management
  • Environmental analysis

Technical Details

Supplier
Ordnance Survey
Update Cycle
6 weekly
Coverage
GB
Scale
1:1250
Formats Available
DWG, SHP, GML, TAB, DXF, GDB, KML, TIFF
Stated Accuracy
Urban +/- 1m
Stated Accuracy
Rural +/- 8m
Stated Accuracy
+/- 8m
Licence Options
12, 24 or 36 months
Delivery Timescale
Within minutes

Related Products

PDF Plans, Aerial PhotographyOS Mastermap Highways Layer, OS Mastermap ITN, OS Mastermap Imagery Layer, Lidar, AddressBase Plus

Download Samples

emapsite Subsitree with NTM

Subsitree gives a detailed perspective into residential subsidence risk on an individual property basis using the latest geology and tree data.

Product Details

In liaison with the Insurance industry and exclusive to emapsite, Subsitree has been purpose-designed to provide a more granular level of risk insight for Insurers, moving away from traditional postcode-based analysis to individual property level, driven by the knowledge that up to 70% of subsidence claims are tree-related. Insurers can benefit from the currency and level of detail in Subsitree data and have greater confidence in the rationale behind risk selection, valuation, pricing and accumulation decisions.

Subsidence involves underlying earth movement as distinct from property settlement which is generally indicative of poor design or construction. As climatic changes grow more and more unpredictable, both locally and globally, issues around underlying ground stability, planning history and historic land use will continue to impact on insurance-related decisions.
Key to the product are IT system-ready property reference tables containing a normalised risk score for every property address enabling insurers to enhance their existing view of high and low risk areas and adjust their underwriting and claims policies accordingly. It also provides insight into areas where insurers have little or no claims data, enabling refinement of underwriting in all areas. Risk analysts, underwriters and actuaries can rate risk at individual property level to make optimal pricing and portfolio decisions.

For ease of use by Insurer systems, the dataset is available as a webservice from the emapsite Perils data hub.

Technical Details

Supplier
emapsite
Update Cycle
Ad-hoc
Coverage
England, Scotland and Wales
Formats Available
CSV or webservice
Licence Options
Annual
Delivery Timescale
On request

Related Products

emapsite UK Crime Model, emapsite Windstorm, emapsite emapsite UK Freeze Model, emapsite emapsite UK COMAH Dataset

Download Samples

JBA Comprehensive Flood Model

JBA Consulting's Flood Risk Model data including Surface Water Flood Map, the Reservoir Failure Flood Map and the Undefended River Flood Map.

Product Details

JBA Consulting's Flood Risk Model data covers England, Wales and urban areas of Scotland. Included in the product are the Surface Water Flood Map, the Reservoir Failure Flood Map and the Undefended River Flood Map. It has been developed in conjunction with Infoterra and parts have been licensed by the Environment Agency for emergency planning purposes.

The Surface Water Flood Map identifies areas likely to flood following extreme rainfall events - land naturally vulnerable to surface water or pluvial flooding. The model provides the maximum depth of flooding in each 5m cell of the digital terrain model, which is processed into depth bands to identify varying levels of risk.

JBA's Reservoir Failure Flood Map identifies areas in England that are most likely to suffer damage to property following sudden catastrophic failure of a reservoir. 1700 reservoirs are included in the model, which uses JBA's 2D hydraulic modelling techniques and a digital terrain model to create the maps - 1-2m resolution Lidar data in large urban areas and 5m resolution data elsewhere.

The Undefended River Flood Map (image shown on the right) provides the highest resolution flood mapping for urban areas, and is based on detailed hydrological analysis of river systems, followed by advanced 2D hydraulic modelling of water flow onto river floodplain areas. The output from the modelling includes flood outlines and flood depth grids for the following four return periods: 1 in 75 year; 1 in 100 year; 1 in 200 year, and; 1 in 1000 years.


Please note: The Sample below is not for commercial use. JBA accept no liability.

Technical Details

Supplier
JBA
Update Cycle
Annual
Coverage
UK
Scale
Large urban areas 1-2m resolution Lidar; 5m resolution data elsewhere
Formats Available
CSV and SHP
Licence Options
Annual
Delivery Timescale
On request

Related Products

BGS Groundwater Flooding, BGS Groundsure Flood Insight

Download Samples

emapsite UK Crime Model

Property crime – burglary, arson, criminal damage, vandalism and theft, using the latest officially reported figures from the Police Authorities.

Product Details

According to statistics from the Association of British Insurers (ABI), theft from property accounts for 13% of claims by value and there is a continual need to improve and update the understanding of it as a risk within the UK Insurance market. Exposure can be reduced by pricing risk at a local level but this is only possible with an understanding of local statistics. The insurance industry requires a solution that is transparent, based on scientifically robust data, employs innovative analytical techniques and is consistent with past claims experiences.

• Using emapsite's Crime peril model, risk analysts, underwriters and actuaries can score risk at a local level to make optimal pricing and portfolio decisions.
• Its currency and level of detail means insurers can enjoy greater confidence in the rationale behind decisions on risk selection, valuation, pricing and accumulations.
• Business value can also be realised from shorter quotation times and, because it is a hosted solution, you no longer have to manage your own potentially costly data stacks and IT deployments.

 

  • The Crime model incorporates anonymised data from the Police Authorities’ latest officially reported figures covering England, Wales, Scotland and N.Ireland.
  • The model incorporates analysed and geographically redistributed crime data, from which a combined risk score per postcode unit is supplied, along with ‘trend’ % value indicating at postcode level whether crime is increasing or decreasing against the previous year.
  • As a result of testing against insurer claims data, the Crime model has been proven to be highly predictive and selected for procurement
  • For ease of use by Insurer systems, the dataset is available as a complete file (.csv) or through web services from the emapsite Perils data hub.

Technical Details

Supplier
emapsite
Update Cycle
Ad-hoc
Coverage
United Kingdom
Formats Available
CSV or webservice
Licence Options
Annual
Delivery Timescale
On request

Related Products

emapsite Subsitree with NTM, emapsite Windstorm, emapsite emapsite UK Freeze Model, emapsite emapsite UK COMAH Dataset

Download Samples

BGS Groundwater Flooding

Groundwater flood risk types as polygons attributed as either "superficial deposits flooding" or "clearwater flooding", graded from Very Low to Very High.​

Product Details

Groundwater flooding is the emergence of groundwater at the ground surface. It can occur in a variety of geological settings including valleys in areas underlain by Chalk, and in river valleys with thick deposits of alluvium and river gravels. Groundwater flooding happens in response to a combination of already high groundwater levels (usually during mid- or late-winter) and intense or unusually lengthy storm events. Groundwater flooding often lasts much longer than flooding caused by a river over-flowing its banks. It may last many months and can cause significant social and economic disruption to the affected areas.


Data is available in Shapefile or Tab file format. Groundwater flood risk types are shown as polygons and attributed as either "superficial deposits flooding" or "clearwater flooding", and are graded into 5 categories from Very Low to Very High.

 

Technical Details

Supplier
British Geological Survey
Update Cycle
Annual
Coverage
GB
Formats Available
SHP and webservice
Licence Options
Annual
Delivery Timescale
Up to 4 working hours

Related Products

JBA Comprehensive Flood Model, BGS Groundsure Flood Insight

Download Samples

emapsite Land Title and Tenure

​OS Mastermap enriched with HM Land Registry Polygons from the National Spatial Dataset, giving land title, tenure and UPRN​.

Product Details

emapsite Land Title and Tenure is a new product that enables asset managers to make one simple purchase to cover their large scale mapping needs rather than having to make individual purchases of Land Registry data.

You can purchase emapsite Land Title and Tenure through our online mapshop, where you can define your area of interest and purchase in a range of GIS formats.

Key Facts

  • Polygons for all land titles registered with Land Registry
  • Polygons are based on OS MasterMap
  • Contains a polygon plus the following attributes:
    • Title number
    • Tenure (Freehold or Leasehold, plus class of tenure)
    • Estate interest
    • UPRN (where relevant)
    • Polygon ID
    • Status (registered or pending)

Common uses:

Ideal for project and site specific users in a variety of sectors where land parcel information is required, including planning, site development and asset management.

Technical Details

Supplier
HM Land Registry and Ordnance Survey
Update Cycle
Monthly
Coverage
GB
Scale
1:1250
Formats Available
SHP
Licence Options
Annual
Delivery Timescale
Within minutes

Related Products

OS MastermapAddressBase Plus

Download Samples

Saving money for the Financial Services sector

Get the mapping and location data you need, in the format you want it, and in a way that works for you and your organisation - our cloud-hosted applications and services make the purchase of location data easy...

emapsite's View service enables access to all, with OCG/Restful compliant web services that can be integrated into desktop GIS and many third party software platforms.

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Our Query service allows organisations to interrogate rich seams of property and site intelligence held by emapsite.

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