Where the rubber meets the rate: How real-time traffic is redefining territory rating, presented by TomTom

Traditional territory rating relies on historical assumptions about where risk exists. But traffic patterns, commuting behaviors, congestion, and road usage are constantly changing. As insurers seek more precise and actionable insights, incorporating real-world mobility data into territory analysis can uncover risk factors that static geographic models often miss.
Join experts from TomTom and Pinnacle Actuarial Resources as they discuss how insurers are leveraging real-time and historical traffic intelligence to modernize territory rating. The session will explore how traffic volume, congestion, road characteristics, and mobility trends can enhance actuarial models, improve segmentation, and provide additional context for rate-making decisions. Attendees will gain practical insights into integrating location intelligence with actuarial methodologies to create more responsive and data-driven territory frameworks.