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type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-mount\" 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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n2mczn7b.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n2mczn7b.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n2mczn7b.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n2mczn7b.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n2mczn7b.nxe :where(ul,ol){padding-left:20px}#nxe-n2mczn7b.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n2mczn7b.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n2mczn7b.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n2mczn7b.nxe svg{display:none}#nxe-n2mczn7b.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n2mczn7b.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2mczn7b.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"console\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A01 \u00b7 TOPIC \u00b7 claims-and-operational-resil<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Insurance Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Insurance Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Claims and operational resilience<\/h1><p class=\"nx-tagline\">A claim is the moment an insurance promise is tested. Paying claims accurately and quickly depends on people, data, systems, suppliers and the control of fraud, and all of them come under strain at once after a catastrophe or a cyber incident. This page sets out how claims and operational risk develop, how they are measured, and which institutions decide on continuity, fraud control and customer outcomes.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A01 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">6<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>From a satellite tile to an exposure\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Claims and operational resilience:\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Claims handling is the process by which an insurer receives, assesses and settles claims, the moment its promise is tested. Operational resilience is the ability to keep important business services such as claims running within impact tolerances through disruption, from catastrophe surges to cyber incidents and supplier failures.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">From a satellite tile to an exposure update.<\/h2><p class=\"nx-lede\">How satellite radar turns a flood into an exposure update. Synthetic scene; no real event or place.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"geoai-eo\" data-gl=\"sf:geoai-eo\" data-sf=\"geoai-eo\" data-sx-credit=\"synthetic scene and schematic model\" data-sx-src=\"Synthetic scene ~ illustrative, not data\" data-sf-learn-views=\"pipeline pr\" aria-label=\"Interactive figure: the four steps of a flood mapping workflow on a synthetic radar scene, from the tile to the detected flood and an update of affected buildings. The panel steps through or plays the sequence.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>How satellite radar maps a flood and updates the count of affected buildings.<\/span><span data-honesty=\"true\">Synthetic scene and schematic model; no real event or place.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/claims-and-operational-resilience\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"health\" data-variant=\"split\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Claims and operational resilience: how the risk develops.<\/h2><p class=\"nx-lede\">Continuity, fraud and claims systems. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Catastrophe claims surge<\/h3><p class=\"nx-p nx-mt-1\">A single event can produce more claims in days than a normal year. Adjuster capacity, contractor supply and access to damaged areas set the pace, and delays raise both costs and customer harm.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"18\" height=\"11\" x=\"3\" y=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Systems and third parties<\/h3><p class=\"nx-p nx-mt-1\">Policy, claims and payment systems depend on cloud providers, software vendors, outsourced administrators and repair networks. A cyber incident or vendor failure can halt claims payment across a market.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m8 11 2 2 4-4\"\/><circle cx=\"11\" cy=\"11\" r=\"8\"\/><path d=\"m21 21-4.3-4.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Fraud and leakage<\/h3><p class=\"nx-p nx-mt-1\">Opportunistic exaggeration, organised fraud rings and internal fraud raise costs for all policyholders. Detection that is too aggressive delays or denies legitimate claims and harms customers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 9a2 2 0 0 1-2 2H6l-4 4V4c0-1.1.9-2 2-2h8a2 2 0 0 1 2 2z\"\/><path d=\"M18 9h2a2 2 0 0 1 2 2v11l-4-4h-6a2 2 0 0 1-2-2v-1\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Customer outcomes and disputes<\/h3><p class=\"nx-p nx-mt-1\">Coverage ambiguity, underinsurance and slow settlement turn a loss into a dispute. Complaints, ombudsman decisions and litigation feed back into wordings, conduct supervision and trust.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Operational resilience<\/td><td data-label=\"Definition\">A firm's ability to prevent, adapt to, respond to, recover from and learn from operational disruption while keeping important business services running.<\/td><\/tr><tr><td data-label=\"Term\">Impact tolerance<\/td><td data-label=\"Definition\">The maximum tolerable level of disruption to an important business service, set by the firm and used in supervisory resilience regimes.<\/td><\/tr><tr><td data-label=\"Term\">Claims leakage<\/td><td data-label=\"Definition\">The gap between what a claim should have cost and what was paid, through errors, process failures or undetected fraud.<\/td><\/tr><tr><td data-label=\"Term\">Ombudsman<\/td><td data-label=\"Definition\">An independent scheme that resolves complaints between insurers and customers, whose decisions are binding on the insurer in many jurisdictions.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Claims settlement time<\/td><td data-label=\"Unit\">days from notification to payment<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Insurer claims systems<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Catastrophe claims count per event<\/td><td data-label=\"Unit\">claims<\/td><td data-label=\"Cadence\">per event<\/td><td data-label=\"Source type\">Industry loss estimation services and insurer reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Complaints ratio<\/td><td data-label=\"Unit\">complaints per thousand policies<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory complaint data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Ombudsman uphold rate<\/td><td data-label=\"Unit\">percent of decided complaints upheld<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Ombudsman decisions<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Detected fraud<\/td><td data-label=\"Unit\">count and value of detected fraudulent claims<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Industry fraud bodies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Operational loss events<\/td><td data-label=\"Unit\">count and value by event type<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Operational risk loss databases<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Recovery time against impact tolerance<\/td><td data-label=\"Unit\">hours<\/td><td data-label=\"Cadence\">per incident and per test<\/td><td data-label=\"Source type\">Operational resilience self-assessments<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/claims-and-operational-resilience\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Claims and operational resilience as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a01-topics-claims-and-operational-resilie-t nx-dag-a01-topics-claims-and-operational-resilie-d\" data-nx-z=\"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\"><title id=\"nx-dag-a01-topics-claims-and-operational-resilie-t\">Claims and operational resilience: claims reserving<\/title><desc id=\"nx-dag-a01-topics-claims-and-operational-resilie-d\">Claims data are built into development triangles; chain ladder and Bornhuetter-Ferguson give IBNR; a selection is made with a risk margin, tested by actual versus expected, and signed off. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">NAIC consumer complaint data<\/td><td data-label=\"What it gives\">Closed complaints by insurer, line and reason in the United States<\/td><td data-label=\"Licence class\">Public<\/td><\/tr><tr><td data-label=\"Source\">Financial Ombudsman Service decisions (United Kingdom)<\/td><td data-label=\"What it gives\">Published decisions and complaint data on insurance disputes<\/td><td data-label=\"Licence class\">Public, Open Government Licence<\/td><\/tr><tr><td data-label=\"Source\">EIOPA consumer trends report<\/td><td data-label=\"What it gives\">Claims handling, complaints and conduct issues across EU markets<\/td><td data-label=\"Licence class\">Public, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">ORX operational risk loss data<\/td><td data-label=\"What it gives\">Pooled operational loss events from member insurers and banks<\/td><td data-label=\"Licence class\">Proprietary, members only<\/td><\/tr><tr><td data-label=\"Source\">Insurance Fraud Bureau and national fraud bodies<\/td><td data-label=\"What it gives\">Organised fraud intelligence and detected fraud trends<\/td><td data-label=\"Licence class\">Restricted; summaries public<\/td><\/tr><tr><td data-label=\"Source\">ENISA threat landscape reports<\/td><td data-label=\"What it gives\">Cyber threat trends affecting the financial sector in Europe<\/td><td data-label=\"Licence class\">Public, attribution<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/claims-and-operational-resilience\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Insurance Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Insurer boards and senior managers<\/td><td data-label=\"The question\">Which important business services must stay within impact tolerance, and what investment that requires<\/td><td data-label=\"Evidence this page serves\">Service mapping, dependency evidence and scenario test results against tolerance<\/td><\/tr><tr><td data-label=\"Who decides\">Conduct and prudential supervisors<\/td><td data-label=\"The question\">Whether claims handling and operational resilience meet rules on fair treatment and continuity<\/td><td data-label=\"Evidence this page serves\">Complaint data, settlement times, incident reports and test evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Claims directors and special investigation units<\/td><td data-label=\"The question\">How to balance fraud detection against fair and fast settlement<\/td><td data-label=\"Evidence this page serves\">Detection rates shown with false positive and appeal outcomes<\/td><\/tr><tr><td data-label=\"Who decides\">Ombudsman services and courts<\/td><td data-label=\"The question\">How policy wordings should be read in disputed claims<\/td><td data-label=\"Evidence this page serves\">Wordings, claims handling records and comparable decisions<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to catastrophe claims surge planning and its dependencies<\/li><li>Brief on third-party and cyber concentration in insurance operations<\/li><li>Method note on fraud analytics that keeps false positives and customer harm in view<\/li><li>Evidence-to-diligence checklist for operational resilience self-assessment<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What professionals ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How can insurers handle claim surges after catastrophes without long delays?<\/li><li>How resilient are claims and policy systems to cyber incidents and outages?<\/li><li>How does fraud affect the cost and fairness of insurance, and how is it detected?<\/li><li>How do third-party dependencies, such as loss adjusters and cloud providers, affect resilience?<\/li><li>How do claims processes affect the speed of household and business recovery?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Drivers and dynamics.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Catastrophes create claim surges that can overwhelm adjusters, contractors and systems, and the communities affected may include insurers' own staff. Delays slow recovery and erode trust. Insurers rely increasingly on digital systems and third parties, including cloud providers, data vendors and outsourced adjusters, which creates concentrations of operational risk. Regulators in several jurisdictions have strengthened requirements for operational resilience.<\/p><p class=\"nx-p\">Fraud, from exaggerated claims to organized schemes, raises costs for honest policyholders. Detection relies on data analytics and investigation, but aggressive controls can delay legitimate claims. Parametric products, which pay on measured event parameters rather than assessed loss, can speed settlement but introduce basis risk, the difference between the amount paid and the loss suffered.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How it is studied.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Process analysis<\/h3><p class=\"nx-p nx-mt-1\">Studying claims workflows and bottlenecks after past events.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Operational resilience assessment<\/h3><p class=\"nx-p nx-mt-1\">Mapping critical services and dependencies, drawing on the practice of <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/\">Financial Cyber and Operational Resilience<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Fraud analytics<\/h3><p class=\"nx-p nx-mt-1\">Statistical and machine-learning methods from <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\">artificial intelligence and machine learning<\/a> detect anomalies, with governance of their use.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Limits<\/h3><p class=\"nx-p nx-mt-1\">Operational data is confidential, fraud is hard to measure, and analytic tools can produce false positives that harm legitimate claimants.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Frequency and severity modelling \u00b7 Bayesian updating of assumptions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Exposure enrichment from imagery \u00b7 Fraud and claims triage \u00b7 Fairness testing of pricing models<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Loss reserving with development triangles \u00b7 Experience rating and credibility<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Operational loss and fraud data are underreported and defined differently across firms and countries. Average settlement times hide the long tail of complex claims. Resilience self-assessments and impact tolerances are declared by firms and are not independent verification, and cyber incidents are disclosed under differing rules. Insurance Nexus explains mechanisms and evidence; it does not handle claims, investigate fraud or assess the resilience of any firm.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is an impact tolerance?<\/summary><div class=\"nx-answer\">The maximum tolerable disruption to an important business service, such as paying claims, which a firm sets and tests against under operational resilience rules in several jurisdictions, including the United Kingdom and, through DORA, the European Union.<\/div><\/details><details><summary>Does fraud detection harm honest claimants?<\/summary><div class=\"nx-answer\">It can. Every detection model has false positives, and an aggressive threshold delays or denies valid claims. Good practice reports detection together with its false positive rate and appeal outcomes.<\/div><\/details><details><summary>Why do catastrophe claims take longer?<\/summary><div class=\"nx-answer\">Volume overwhelms adjusters and contractors, access to damaged areas is restricted, and demand surge raises costs. Coverage questions, such as flood against wind damage, add disputes.<\/div><\/details><details><summary>What is basis risk?<\/summary><div class=\"nx-answer\">The difference between what a parametric or index-based product pays and the actual loss suffered.<\/div><\/details><details><summary>Why does claims speed matter beyond customer service?<\/summary><div class=\"nx-answer\">Because faster, fair settlement helps households and businesses rebuild sooner, reducing wider economic losses.<\/div><\/details><details><summary>Does GRA assess insurers' operational resilience?<\/summary><div class=\"nx-answer\">No. It provides sector-level research. Assessments belong to insurers and their supervisors.<\/div><\/details><details><summary>Does GRA give advice on this topic?<\/summary><div class=\"nx-answer\">No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. Its analysis is shared, sector-level understanding.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Insurance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\">Insurance market structure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\">Underwriting and pricing risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\">Property and casualty <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/\">Health and life insurance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\">Insurance protection gaps <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\">Climate and nature risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\">Insurance Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20Claims%20and%20operational%20resilience\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is an impact tolerance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The maximum tolerable disruption to an important business service, such as paying claims, which a firm sets and tests against under operational resilience rules in several jurisdictions, including the United Kingdom and, through DORA, the European Union.\"}},{\"@type\":\"Question\",\"name\":\"Does fraud detection harm honest claimants?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It can. Every detection model has false positives, and an aggressive threshold delays or denies valid claims. Good practice reports detection together with its false positive rate and appeal outcomes.\"}},{\"@type\":\"Question\",\"name\":\"Why do catastrophe claims take longer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Volume overwhelms adjusters and contractors, access to damaged areas is restricted, and demand surge raises costs. Coverage questions, such as flood against wind damage, add disputes.\"}},{\"@type\":\"Question\",\"name\":\"What is basis risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The difference between what a parametric or index-based product pays and the actual loss suffered.\"}},{\"@type\":\"Question\",\"name\":\"Why does claims speed matter beyond customer service?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because faster, fair settlement helps households and businesses rebuild sooner, reducing wider economic losses.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA assess insurers' operational resilience?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It provides sector-level research. Assessments belong to insurers and their supervisors.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA give advice on this topic?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. 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