{"id":19369,"date":"2025-08-27T08:46:53","date_gmt":"2025-08-27T06:46:53","guid":{"rendered":"https:\/\/www.mbi-geodata.com\/en\/?p=19369"},"modified":"2025-09-02T15:48:10","modified_gmt":"2025-09-02T13:48:10","slug":"partner-story-quarticle","status":"publish","type":"post","link":"https:\/\/www.mbi-geodata.com\/en\/2025\/08\/27\/partner-story-quarticle\/","title":{"rendered":"How MBI and Quarticle Elevate Risk Intelligence in Insurance"},"content":{"rendered":"\n<p>The insurance industry is undergoing a transformation, fueled by the increasing need for real-time, location-specific risk data, compliance with evolving regulations, and pressure to maintain profitability across volatile markets. To meet these demands, insurers are turning to partners that can offer not only technological excellence but also trusted, high-quality data. That\u2019s where the partnership between MBI and Quarticle comes in.<\/p>\n\n\n\n<p>Founded in Switzerland with R&amp;D in Romania, Quarticle delivers next-generation, cloud-native geo-intelligence solutions. Designed specifically for insurers, Quarticle blends open-source technology with proprietary innovation, ensuring data transparency, performance, and full ownership. Today, over 15,000 P&amp;C underwriters worldwide rely on Quarticle to price, manage, and assess risk portfolios on a daily basis.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"496\" src=\"https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-1024x496.png\" alt=\"MBI political risk data in the Quarticle solution dashboard\" class=\"wp-image-19370\" srcset=\"https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-1024x496.png 1024w, https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-300x145.png 300w, https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-768x372.png 768w, https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-1536x744.png 1536w, https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-88x43.png 88w, https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3.png 1919w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Meeting the Complex Needs of the Insurance Industry<\/strong><\/h2>\n\n\n\n<p>The partnership with MBI allows Quarticle to serve insurers across Europe, the Middle East, and the Americas with localized, accurate, and trusted data. MBI\u2019s rigorous quality standards, global coverage, and responsive support are critical to Quarticle\u2019s analytical and reporting capabilities, helping them meet the demands of insurers operating in high-compliance environments.<\/p>\n\n\n\n<p>With a focus on underwriting, risk management, actuarial pricing, and claims operations, Quarticle addresses key pain points in the insurance value chain:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regulatory Compliance: Insurers face strict mandates from global regulators like BaFin, FINMA, FCA, and EIOPA. Quarticle\u2019s platform enables precise, location-based risk evaluation, critical for maintaining licenses and avoiding penalties.<\/li>\n\n\n\n<li>Risk Mitigation: By reducing geocoding errors, identifying hazard proximities (e.g. floods, wildfires), and visualizing risk accumulation, Quarticle empowers insurers to proactively manage portfolios and avoid losses from catastrophic events.<\/li>\n\n\n\n<li>Pricing Accuracy and Profitability: Geospatial precision translates into more accurate risk-based pricing. Quarticle enables fair premiums that reflect actual exposure, protecting margins while remaining competitive.<\/li>\n\n\n\n<li>Capital Allocation: With insights into risk concentration, capital commitments, and reinsurance needs, insurers can allocate capital where it matters most, maintaining solvency and maximizing returns.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Powering Precision with MBI Data<\/strong><\/h2>\n\n\n\n<p>Quarticle\u2019s competitive edge is driven by powerful data, sourced and enriched through a strategic partnership with MBI. By integrating MBI\u2019s data, Quarticle can support insurers at every step of the insurance lifecycle \u2013 with unparalleled accuracy, regulatory compliance, and localized insights.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mbi-geodata.com\/en\/area-boundaries\/\"><strong>Area Boundaries<\/strong><\/a>: Postal codes, CRESTA zones, and micro-geographies (e.g., IRIS zones in France) help underwriters assign risks precisely, avoid misclassification, and ensure regulatory alignment.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mbi-geodata.com\/en\/sociodemographic-data\/\"><strong>Socio-Demographics<\/strong><\/a>: Household income, size, lifestyle patterns, and consumer behavior enable insurers to model demand, assess affordability, and understand what triggers product interest, particularly after major life events or catastrophes.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mbi-geodata.com\/en\/political-risk-index\/\"><strong>CONIAS Risk Data<\/strong><\/a>: Real-time and historical political risk intelligence help insurers track evolving risks across infrastructure and supply chains.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Unified Geospatial Risk Platform<\/strong><\/h2>\n\n\n\n<p>With Quarticle and MBI, insurers can rely on a single source of geospatial truth, replacing fragmented processes with integrated, real-time decision-making:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accurate geocoding and location-based risk assessment<\/li>\n\n\n\n<li>Real-time event monitoring and impact analysis<\/li>\n\n\n\n<li>Portfolio-wide enrichment with hazard and exposure data<\/li>\n\n\n\n<li>Regulatory-compliant risk reporting and visualization<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Trusted Data Backbone for Insurance Technology<\/strong><\/h2>\n\n\n\n<p>\u201cMBI\u2019s global geodata is the fuel that powers our geo-intelligence engine for insurers. Their comprehensive, high-quality datasets enable us to deliver the precision, compliance, and speed our clients require \u2013 whether for risk assessment, portfolio management, or real-time event analysis. With MBI as our trusted data partner, we can focus on innovation, knowing our solutions are built on reliable, up-to-date information.\u201d \u2013 Andrew Frei, COO, Quarticle<\/p>\n\n\n\n<p>By using MBI\u2019s boundaries data and socio-demographics, Quarticle helps underwriters and portfolio managers visualize exposure, monitor accumulation, and act decisively in fast-changing environments such as wildfire outbreaks, earthquakes, or political unrest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Collaboration in Action<\/strong><\/h2>\n\n\n\n<p>Andrew Frei, COO of Quarticle, describes the partnership: \u201cTogether, we\u2019re setting new standards for data-driven decision-making in the insurance industry.\u201d <a href=\"https:\/\/youtu.be\/G6B0VqOEdAg?si=QL_vtgoXaT3vunQS\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Following a recent earthquake in Central Italy<\/strong><\/a>, Quarticle identified over 4,800 affected buildings within the impacted zone. Using Quarticle\u2019s tools, insurers were able to calculate \u20ac2.6B in gross and \u20ac1.7B in net exposure on the fly. What once took days or weeks was accomplished in minutes, enabling immediate reporting to top management.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Discover the Power of Partnership<\/strong><\/h2>\n\n\n\n<p>MBI and Quarticle are redefining geospatial risk intelligence for insurers. Are you ready to see it in action? <a href=\"https:\/\/youtu.be\/33251dt1r0A?si=zmhXIqXjOZ0ZlChr\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Learn more about Quarticle<\/strong><\/a> and <a href=\"https:\/\/quarticle.ch\/solutions\/ai-geointelligence-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>their insurance offering<\/strong><\/a> or <a href=\"https:\/\/www.mbi-geodata.com\/en\/contact-us\/\"><strong>contact us<\/strong><\/a>.<\/p>\n<div class=\"shariff shariff-align-center shariff-widget-align-flex-start\"><div class=\"ShariffHeadline\"><h3 class=\"shariff_headline\">share<\/h3><\/div><ul class=\"shariff-buttons theme-round orientation-horizontal buttonsize-medium\"><li class=\"shariff-button twitter shariff-nocustomcolor\" style=\"background-color:#595959\"><a href=\"https:\/\/twitter.com\/share?url=https%3A%2F%2Fwww.mbi-geodata.com%2Fen%2F2025%2F08%2F27%2Fpartner-story-quarticle%2F&text=How%20MBI%20and%20Quarticle%20Elevate%20Risk%20Intelligence%20in%20Insurance&via=MBIgeodata\" title=\"Share on X\" aria-label=\"Share on X\" role=\"button\" rel=\"noopener nofollow\" class=\"shariff-link\" style=\"; 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background-color:#999; color:#fff\"><span class=\"shariff-icon\" style=\"\"><svg width=\"32px\" height=\"20px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\"><path fill=\"#999\" d=\"M32 12.7v14.2q0 1.2-0.8 2t-2 0.9h-26.3q-1.2 0-2-0.9t-0.8-2v-14.2q0.8 0.9 1.8 1.6 6.5 4.4 8.9 6.1 1 0.8 1.6 1.2t1.7 0.9 2 0.4h0.1q0.9 0 2-0.4t1.7-0.9 1.6-1.2q3-2.2 8.9-6.1 1-0.7 1.8-1.6zM32 7.4q0 1.4-0.9 2.7t-2.2 2.2q-6.7 4.7-8.4 5.8-0.2 0.1-0.7 0.5t-1 0.7-0.9 0.6-1.1 0.5-0.9 0.2h-0.1q-0.4 0-0.9-0.2t-1.1-0.5-0.9-0.6-1-0.7-0.7-0.5q-1.6-1.1-4.7-3.2t-3.6-2.6q-1.1-0.7-2.1-2t-1-2.5q0-1.4 0.7-2.3t2.1-0.9h26.3q1.2 0 2 0.8t0.9 2z\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>The insurance industry is undergoing a transformation, fueled by the increasing need for real-time, location-specific risk data, compliance with evolving regulations, and pressure to maintain profitability across volatile markets. To [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":19370,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","ngg_post_thumbnail":0,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":""},"categories":[449,118,453],"tags":[291,416,433,423,292,293,541],"table_tags":[],"class_list":["post-19369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conias-risk-data","category-news","category-use-cases","tag-conias","tag-conias-risk-intelligence","tag-partner-story","tag-political-risk","tag-risk-intelligence","tag-risk-management","tag-selbsterklarende-risikodaten"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3.png",1919,930,false],"thumbnail":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-150x150.png",150,150,true],"medium":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-300x145.png",300,145,true],"medium_large":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-768x372.png",698,338,true],"large":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-1024x496.png",698,338,true],"1536x1536":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-1536x744.png",1536,744,true],"2048x2048":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3.png",1919,930,false],"mini":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-88x43.png",88,43,true],"post-thumbnail":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3-125x125.png",125,125,true],"gform-image-choice-sm":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3.png",300,145,false],"gform-image-choice-md":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3.png",400,194,false],"gform-image-choice-lg":["https:\/\/www.mbi-geodata.com\/en\/wp-content\/uploads\/sites\/3\/2025\/08\/Quarticle-3.png",600,291,false]},"post_excerpt_stackable_v2":"<p>The insurance industry is undergoing a transformation, fueled by the increasing need for real-time, location-specific risk data, compliance with evolving regulations, and pressure to maintain profitability across volatile markets. To meet these demands, insurers are turning to partners that can offer not only technological excellence but also trusted, high-quality data. That\u2019s where the partnership between MBI and Quarticle comes in. Founded in Switzerland with R&amp;D in Romania, Quarticle delivers next-generation, cloud-native geo-intelligence solutions. Designed specifically for insurers, Quarticle blends open-source technology with proprietary innovation, ensuring data transparency, performance, and full ownership. Today, over 15,000 P&amp;C underwriters worldwide rely on Quarticle&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.mbi-geodata.com\/en\/category\/conias-risk-data\/\" rel=\"category tag\">CONIAS Risk Data<\/a>, <a href=\"https:\/\/www.mbi-geodata.com\/en\/category\/news\/\" rel=\"category tag\">News<\/a>, <a href=\"https:\/\/www.mbi-geodata.com\/en\/category\/use-cases\/\" rel=\"category tag\">Use Cases<\/a>","author_info_v2":{"name":"jessica","url":"https:\/\/www.mbi-geodata.com\/en\/author\/jessica\/"},"comments_num_v2":"0 comments","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How MBI and Quarticle Elevate Risk Intelligence in Insurance<\/title>\n<meta name=\"description\" content=\"Learn how MBI and Quarticle empower insurers with real-time geospatial risk intelligence, compliance, and accurate underwriting powered by trusted data.\" \/>\n<meta name=\"robots\" content=\"index, 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