The Montage Risk Index™ is a three-digit number (similar to a credit score) indicates the relative vulnerability of an individual business to management liability risk.

• The Montage Risk Index™ does not predict the likelihood of a management liability situation occurring (e.g. predict the weather), it does assess vulnerability should a business find itself in a management liability situation (e.g. if a storm were to strike, what is the likelihood of damage).
  
• The number ranges from 0, those businesses most resilient to management liability risk, to 1000, those businesses most vulnerable to management liability risk.
  

Every Montage Risk Index™ is customized for specific management liability risk market segments and applications, such as:

• Employment Practices Liability (EPL)
  
• Professional - Errors and Omissions Liability (E&O)

The Montage Risk Index™ generates a variety of optional reports pertinent to each unique Montage Risk Index™ number that explains risk drivers in an individual business to avoid loss.

• Montage Risk Index™ Report: explains, in one page, what the number represents.
  
• Diagnostic Report: describes the top three contributing risk factors in order of importance and priority, providing links to resources for risk mitigation.
  
• Analytic Reports:
  
  
  • isolate significant areas of business risk to:
    
    • prioritize allocation of loss prevention and education resources
      
  • compare risk levels in different business lines to:
    
    • prioritize risk avoidance efforts
      
    • track risk trends
      
    • provide information to strengthen internal controls
      
  • improve premium pricing

Why is the Montage Risk Index™ different?

• The Montage Risk Index™ applies insights from behavioral science to identify emergent conditions for business risk.
  
• The Montage Risk Index™ employs analytical techniques from knowledge engineering to obtain an understanding of the factors contributing to specific kinds of risk in different situations.
  
  
• The Montage Risk Index™:
  
  • Uses Bayesian statistical analysis
    
  • Makes over one billion cross-correlations
    
  • Delivers immediate results online (cloud computing)

11/13/2009