Near Misses

The Story of a Near Miss

A vessel insured under your portfolio makes its way across global trade routes. No claim is filed. On the surface, nothing happened.

But behind the scenes, it came close — twice.

First, a port strike flared up at its next stop. The vessel rerouted. No loss occurred, but the exposure was real. A few weeks later, a tropical storm forced another diversion. Again, no claim. But these weren’t empty data points — they were moments of genuine risk.

Traditional underwriting treats this policy as clean. But Arkline sees something different: a risk that’s alive, adapting in real time. These near-misses reveal pressure points in your portfolio: how clauses respond to live events, how resilience is tested, and how pricing can be dynamically tuned based on actual risk behaviour — not just historical claims.

By tracking near-misses, Arkline helps underwriters move from reactive to anticipatory — supporting smarter renewals, dynamic pricing strategies, and a deeper understanding of risk accumulation.

Why the Near Miss Matters

Claims tell us where the system failed. Near-misses show us where it nearly did. These events — port closures narrowly avoided, vessels rerouted, sanctions averted — are signals of friction at the edge of loss. They reveal which policies are repeatedly exposed to stress, and which glide through global volatility untouched.

Two cargo lines may look identical on paper. But one generates a steady stream of near-miss alerts; the other remains quiet. Traditional underwriting treats them the same. Arkline doesn’t. By surfacing these hidden narratives, Arkline enables underwriters to:

• Differentiate risk beyond claims history,
• Identify pseudo-resilience vs. genuine robustness,
• Inform pricing with behavioural signals over time,
• Flag clauses that are repeatedly stress-tested but untriggered.

From Near Miss to Renewal Insight

When a policy comes up for renewal, its claims history tells only half the story. The near-misses — strikes, storms, sanctions narrowly avoided — complete the picture. Two policies may share identical limits and exposures. But if one has been repeatedly stress-tested by live events and the other has not, treating them equally at renewal is a pricing blind spot.

Arkline captures these almost-losses as part of a living underwriting memory. This transforms renewal conversations: underwriters arrive with evidence of real-world exposure, enabling more accurate pricing, stronger negotiation, and better portfolio calibration. Near-miss intelligence turns hindsight into foresight — and renewals into strategic decisions.

How Arkline Command Brings It to Life

Arkline Command makes near-miss intelligence operational. Every day, it maps each policy against global events — strikes, storms, geopolitical shocks — and records not just what happened, but what almost did. These moments of sidestepped exposure accumulate into a living risk history: structured, searchable, and invisibly rich.

This overlooked dimension becomes an asset:

• Underwriters gain sharper insight for renewal pricing.
• Reinsurers see systemic stress across portfolios.
• Executives unlock visibility into where resilience lives — and where it’s wearing thin.

Claims are the past. Near-misses are the future. Arkline Command connects them.

Conclusion: See the Risks You’ve Been Missing

Most insurers wait for a claim to learn something new. Arkline believes you shouldn’t have to. By tracking near-misses — exposures that never become losses but reveal exactly where risk lives — Arkline gives you a proactive edge. You’ll see which policies are quietly accumulating stress, which clauses are repeatedly tested, and where your pricing may be out of sync with reality.

This isn’t theory. It’s real-time underwriting intelligence. Delivered daily. Aligned with your portfolio. Built to help you price smarter, renew sharper, and advise your clients with conviction.

Let’s turn what almost happened into your competitive advantage.