Contents modelling for modern insurance
Sotera transforms existing Contents schedules into object-level, policy and portfolio intelligence for insurers, MGAs and brokers across High Net Worth, Fine Art and Specie, Collections and General Contents.
Object
Understand individual loss behaviour
Policy
Quantify expected loss and its drivers
Portfolio
Reveal concentration and accumulation
Two policies may carry the same insured value and behave entirely differently. Sotera reveals the object characteristics, loss drivers and concentrations that total value alone cannot show.
The policy may be the unit of insurance
The object is the unit of risk
Sotera builds on experienced underwriting judgement with a consistent quantitative view of the objects, policies and portfolios being insured.
Understand individual loss behaviour
Quantify expected loss and its drivers
Reveal concentration and accumulation
Fragile
Physically robust
Portable and theft-exposed
Sensitive and difficult to replace
Modelled across fire, theft, accidental damage, escape of water and catastrophe perils.
More consistent intelligence for underwriting, portfolio management and delegated authority oversight.
Developed in the Lloyd’s Lab and founded through Accelerate Cambridge at Cambridge Judge Business School.
Backed by
Founder & CEO
20+ years international business development and ownership. MA and MPhil, Cambridge. Judge Business School Accelerate Programme. UK Global Entrepreneur Programme (GEP). Built Sotera after losing her home in the California wildfires — she has lived the problem from both sides of the policy.
Co-Founder & COO
PhD in Innovation. Honorary Fellow, Imperial College London. Experienced tech entrepreneur, angel investor and NED, with a background in policy, security and digital identity.
Head of Insurance
“The godfather of CAT modelling.” Designed the Lloyd’s CAT model and built the Oasis Loss Modelling Framework. Former Head of Innovation, Lloyd’s of London. PhD (LSE); Executive Director, Cambridge Centre for Risk Studies.
Data Scientist
MPhil, Cambridge. Background in meteorology and climate risk research, applying machine learning to risk prediction — bringing that expertise to Sotera’s object-level peril modelling.
Talk to us about Contents modelling, underwriting, portfolio intelligence, delegated authority oversight or working with Sotera.
London, United Kingdom