Theintegration ofpredictivemodels across
departments and lines is transforming the
By Annmarie Geddes Baribeau
OVER THE COURSE OF THE PAST TWO DECADES, predictive modeling has matured from an experimental approach to auto pricing into a burgeoning best practice in commercial lines and claims man-
agement. While some insurers still are playing catch-up with predictive modeling, early
adopters are embracing the next logical step—integrating predictive models and data to
create a synergy that exponentially boosts predictability.