[balgan]

There are multiple parts to the underwriting process (full disclosure I run the team that does data collection and security at Coalition where the op you're replying to works). Part of the data we collect is used for risk selection (do we want you on our book?) and then other piece is used for pricing and thats where technologies, providers and a lot of other things come in! Lmk if u have any questions!

[motohagiography]

Super cool of you to respond. You're solving one of the most interesting problems in security. I worked on a concept for modelling an SPV for an event driven ILS for cyber policies many years ago, and the barrier was the bond modelling people wanted a standardized risk model signed off by a university, which to me seemed like /dev/null for risk, and seemed to miss the point. I'm just excitable about that topic, it's probably not a useful public discussion, I'll certainly keep an eye to what you're doing for my institutional clients. Rooting for you.