01 October 2025
From Risk Queries to Building Risk Memories
Arkline provides instant clarity on portfolio exposures, replacing slow internal escalations with real-time aggregation of affected policies. Arkline tracks news feeds and aver time builds a durable record of near-misses and stress events. The financial impact is tangible: six-figure annual efficiency gains and potential multi-million-pound improvements in loss ratios, while helping underwriters and portfolio managers refine strategy at renewal.
Scenario
A familiar scenario in insurance arises when a shareholder asks the CEO what the group’s exposure is to an unfolding event. Today, such a request often travels down the internal chain of command, from CEO to Underwriting Director to Analyst, generating hours of internal emails and spreadsheets before an answer is ready. Arkline can instantly provide a rapid assessment of the exposure and a heuristic report. By aggregating exposures across policies linked to the event, the platform allows the CEO’s dashboard to flag the exposures instantly. The time saved translates directly into value: a single query that might previously have cost half a day of analyst effort — easily £500–£2,000 — is answered in seconds. However, this dashboard can be customised and fine-tuned not just for the CEO, but also for analyst, and everyone in between.
Short-term value
This clarity offered by Arkline extends beyond one-off questions. Internal portfolio management systems are often inconsistent or fragmented, particularly when it comes to binders and facilities. Here Arkline highlights portfolio quality: the more alerts triggered by real-time news, the clearer the signal that underwriting discipline requires review. This principle echoes industry sentiment: brokers and insurers must work together to turn data into actionable risk insight rather than static reports. Arkline provides precisely that — a live window into how exposures evolve as external events unfold.
Long-term value
Over time, the value compounds. Every news item linked to a policy becomes part of a record: a history of near misses, stress events, and outliers. At renewal, this record enables underwriters to show where the book underperformed — by class of business, by geography, or by facility. Analysts can then extend the history into forward-looking stress tests, blending real events with synthetic ones to probe worst-case scenarios. The benefits are clear and tangible. For example, Boost, an MGA platform, recently launched a real-time analytics suite to give reinsurers faster portfolio insight. Arkline belongs to the same strand of services, but goes further: it ties live external signals to specific policy exposures, bridging the gap between news and underwriting decisions.
Alignment with Lloyd's principles
This value proposition also has a broader implications. By aligning with the Lloyd’s Principles & Maturity Matrix, Arkline acts as a substantive control tool: it generates real-time management information for underwriting decisions, logs audit trails of exposures and interventions, strengthens catastrophe aggregation oversight, and supports reinsurance feedback loops — all of which are core expectations in the maturity framework. In doing so, Arkline helps firms move toward higher maturity levels (e.g. “Established” or “Advanced”) in Lloyd’s assessment, reducing the risk of intervention, enhancing credibility with regulators, and allowing better access to premium capacity.
Conclusion
Arkline’s financial proposition is twofold: (1) efficiency: across hundreds of queries a year, the avoided analyst or team lead’s time and reduction in emails alone represents six-figure savings; (2) performance: a modest 0.1% improvement in portfolio loss ratio on a £1bn book equates to £1m in value. These are measurable gains, grounded in how work is currently done. For insurers and MGAs, this means fewer blind spots and stronger control of aggregate risk. For brokers, it means a more consistent view of constraints and exposures when placing business. For large corporates with multi-policy coverage, it means faster answers to stakeholders — a dashboard that can satisfy a CFO or board in real time.