Products & Solutions

The power of science.

Our products harness the power of science. Our solutions put that power into the hands of our clients. The result? Profitable and sustainable growth for their business.


Our suite of forward looking science-based analytics and software products are meant to drive profitable and sustainable growth for our clients. CoMeta, Oortfolio and ChemMeta do just that. Our products harness the power of science at machine scale, delivering actionable insights and opportunities that position you to capitalize on risks you may have once avoided.


CoMeta provides innovative new risk measures and visualizations for technical underwriting of casualty risk.

It offers unique and valuable company exposure information for underwriting, along with the tools you need for emerging risk identification and prioritization. This enables you to create informed underwriting strategies, and to execute on those strategies with confidence.

CoMeta includes a dynamic database of algorithmically identified emerging risks, which we call Litagion® agents, together with qualitative and quantitative exposure‐based information to assess liability risks for agents, companies and industries.

We offer several program solutions that bundle CoMeta and Oortfolio to best meet your needs. Interested?


Oortfolio is Praedicat’s portfolio modeling tool. It leverages our exposure‐based latency catastrophe model.

Designed to facilitate portfolio steering, exposure and aggregation management through an understanding of what is driving exposure (hazard, company or industry), it leads to unprecedented risk insights and better decisions.

Oortfolio allows quantitative analysis of insurer exposures to hundreds of emerging risks. Analysis can be conducted at the level of portfolios, industries and companies, and you are able to upload an entire book of business or a designed portfolio, analyze the portfolio’s exposures and export output for further analysis.

We combine Oortfolio with CoMeta into several program solutions to best meet your needs. Want to learn more?


We call ChemMeta the next big thing in product stewardship. Why? Because ChemMeta can help you identify, track, and manage emerging risks in an unbiased and systematic way at machine scale.

And that means you can spot the new science and predict what’s next. With that kind of scientific data at your fingertips, you can design better and safer products, bring them to market faster, all while anticipating potential regulatory risk and issues.

Being armed with that kind of actionable foresight is indeed, a big thing. Being empowered to lead the marketplace with innovative product stewardship and risk management approaches puts you in the driver’s seat for profitable and sustainable growth.

Sound appealing? Learn more about our Product Stewardship Solutions with ChemMeta.


Our Risk Transfer solutions transform emerging risk from a driver of risk avoidance to an agent of growth and opportunity. We’ve bundled our software products, CoMeta and Oortfolio, into service offerings that meet your specific needs while facilitating the growth of your business.

Horizon Scanning

Our Horizon Scanning Program uses science as its emerging risk group, with a machine learning algorithmic approach that is all about identifying emerging risks so you can be proactive, not reactive.

In fact, according to TechValidate, “88% of surveyed underwriters report that Praedicat helps the most with providing early warning of emerging risks.”

Our Horizon Scanning Program allows you to:

  • Produce and curate custom watch lists and comprehensively track emerging risks.
  • Generate alignment around a common view of risk – by leveraging the objectivity of scientific results, you can set a solid foundation and common ground for having a dialogue around which risks should be on your list, and which shouldn’t.
  • Understand which risks are the riskiest and focus on them, developing informed action thresholds to mitigate unexpected surprises.



Technical Underwriting & Risk Engineering

Our Technical Underwriting & Risk Engineering Program curates and quantifies scientific literature to help you gain an objective understanding of your current clients, clients up for review, and high priority prospects.

Further, our ability to provide risk engineering insights at machine scale – with data on over 35,000 companies – means the insights you receive are about as comprehensive as possible. That means the conversations you have with current and prospective clients when writing commercial liability insurance are more informed, and the opportunities to grow your business are not only better defined, but also more abundant.

Our Technical Underwriting & Risk Engineering Program includes Horizon Scanning, and empowers you to:

  • Advance your new business prospecting efforts and improve your risk selection through a better understanding of exposures.
  • Effectively underwrite complex risks with unprecedented data on previously unquantified and poorly understood risks.
  • Access targeted exposure information by company to execute on underwriting strategies.
  • Strengthen your position as an expert and trusted advisor with objective science-based insights that drive meaningful risk conversations with your clients.
  • Provide your risk engineers with science information at scale to augment and enhance their efforts.

Your clients and prospects may not know about the skeletons in their own closets. That doesn’t mean you shouldn’t.

Technical Treaty & Facultative Underwriting

With our Technical Treaty & Facultative Underwriting Program, reinsurance risks become transparent like never before. Go beyond “underwriting the underwriter” and underwrite the underwriter’s portfolio with unprecedented granular risk information.

Here’s how the Technical Treaty & Facultative Underwriting Program, which includes Horizon Scanning, can help your business:

  • Gain clarity and develop an informed perspective on the risks you are being exposed to, through deeply textured quantitative information.
  • Identify companies and risks in your clients’ portfolios for tailored facultative solutions.
  • Better support your clients’ growth goals by aligning your solutions to their exposures, and managing your risks more effectively.
  • Execute on underwriting strategies with targeted exposure information by portfolio and by company.
  • Reinforce your position as an authority and trusted advisor with unbiased science-based insights that drive substantial risk conversations with your clients.

Bring science to the art of reinsurance underwriting.

Portfolio Steering & Underwriting Strategy

Our Portfolio Steering & Underwriting Strategy Program is focused on identifying areas of opportunity and constructing the roadmap for sustainable profit and growth for your business. The insights from our portfolio analysis can steer portfolios toward higher profitability and greater diversification. And these strategies can ultimately get disseminated via underwriting guidelines to influence individual account risk selection and policy terms including choice of limit, attachment, form, and price.

When we say our Portfolio Steering & Underwriting Strategy Program helps you create a roadmap for growth, it’s because it empowers you to:

  • Identify companies and industries where growth opportunities are greatest, and provide you with the tools needed to risk-manage that growth responsibly.
  • Use science and portfolio exposure data to develop strategies for sustainable growth and diversification, allowing you to broaden your coverages by tailoring or eliminating exclusions.
  • Leverage unbiased science and insights from big data to review, revise and create new underwriting strategies and guidelines.
  • Protect your portfolio against adverse risk selection.
  • Develop a casualty accumulation management program that both monitors emerging risk aggregations and focuses your reinsurance purchasing.

Capital Management, Ratings & Regulatory

According to S&P, 67% of insurers have an ERM score of adequate. Adequate doesn’t stand out. Wouldn’t you rather stand out?

Collaborating with us will move your approach to latency risk management, the heart of casualty risk, from adequate to elite. Why? Because enterprise risk management excels when potential risks are rigorously delineated, quantified, and connected to commercial entities.

Our Capital Management, Ratings & Regulatory Program offers you a wealth of information that does just that, with features allowing you to:

  • Help you preserve capital by increasing your visibility into unknown risks, developing risk tolerances, crafting a reinsurance strategy and determining cat loads.
  • Tap into our extensive library of science-based scenarios for your board, rating analysts and regulators.
  • Be armed with deep insights about your exposures and strategies to address them as you prepare for your meetings with rating and regulatory analysts.

Rise above the 67% and stand out.


New (Re)insurance Product Development

Plastics. Mobile phones. 3D printing. Nanotechnology. Claims data tell us everything we need to know to cover these risks, right?

Maybe not. The downstream impacts of these must-have, ubiquitous technologies aren’t known for years, which is a scary proposition for insurers. The temptation is to limit coverage or rely on exclusions. But there’s a lot of business here and limiting exposure effectively leaves a field of opportunity to lie fallow.

That doesn’t have to be the case. Our New (Re)insurance Product Development Program alters your perspective from historical data to future-focused intelligence, quantitatively expressed, making that once fallow field ripe with growth and opportunity.

This program allows you to:

  • Take advantage of an underinsured market, confidently assessing risk exposure while writing new business.
  • Design innovative new products that provide informed coverage on a named peril basis to that underinsured market.
  • Build aggregation risk management into new products to create sustainable growth.


With ChemMeta, you are empowered to make more informed decisions about the chemicals, products, substances, and processes related to your business by leveraging science-based business intelligence, brought to you at machine scale. That means better and safer products, brought to market faster – our take on product stewardship.

Horizon Scanning for Chemicals

“Vision is the art of seeing what is invisible to others.” Jonathan Swift said that, and if he’d been alive today, he might have been talking about ChemMeta. Let us explain.

If you could read through all of the scientific journals in the world, tracking the toxicology and environmental health of thousands of chemicals in real time, you’d have visibility into an enormous amount of intelligence.

Our Horizon Scanning for Chemicals Program delivers you that vision, enabling you to:

  • Use technology to stay on top of the massive amounts of literature relevant to your product stewardship efforts.
  • Get ahead of the curve using our data aggregation and modeling methodology, which translates scientific information into actionable business intelligence.
  • Be visionary, spotting the new science as it emerges, anticipating what’s next, and making decisions based on the potential future path of science rather than the past.

Dynamic Restricted Substance List

Imagine the capability to expertly manage, rapidly refresh and implement a restricted substance list (or watch list), forecasting the impact of the substances you use in your business, anticipating potential regulatory requirements of your products, all while protecting your brand.

You’ve imagined what Praedicat does today. Our Dynamic Restricted Substance List Program not only gives your people the ability to curate a dynamic RSL, but also allows you to:

  • Use unbiased scientific results to build consensus for which chemicals should be on your list, and which shouldn’t.
  • Keep on top of innovation – with the massive amounts of new products being developed and the seemingly limitless number of ingredients used to create them, ensure your finger sits squarely on the pulse of science that tracks innovation and understand how something new may affect your business.
  • Create a list that doesn’t just add new items but also drops items when the science suggests they are safe. Plus experience growth by using the information to restrict substances to only exposure settings identified as harmful by scientists, allowing you to maximize revenue while minimizing risk.

Product Substitution & Reformulation

True story – one of our clients wanted to reformulate a product facing regulatory withdrawal and challenged us with the task of analyzing four substitute chemicals in a period of two weeks. Normally they would handle this internally, resource ten people for two months or more and wait for the results.

Leveraging our algorithms we performed the analysis in two weeks, providing them with the intelligence they needed to make informed decisions and move forward with their reformulation with confidence.

Our Product Substitution & Reformulation Program not only accelerates ingredient substitution and product reformulation, but increases confidence while doing it.

Furthermore, this program facilitates:

  • Keeping up with the science including highlighting new studies on what you care about most, every week, clearly showing how they impact the overall literature.
  • Being nimble and fast with decision making, confidently and quickly progressing based on structured data extracted from scientific literature.
  • Identifying potential growth opportunities through the implementation of lower risk chemicals.

As our client said, “It is getting more and more competitive, so to choose substitutes faster and get to market sooner is monumental.”