# Data model (https://riska.io/platform/data-model)

_Data model_

## Launch a new product line without a new system.

Define the objects, attributes and relationships a program needs, and rating, appetite, workflows and reporting can use them as soon as you release. Speed to market becomes a configuration change, not an implementation project.

## New programs without an implementation project.

Define the objects and attributes a program needs yourself, instead of funding a build that runs for months before the program writes its first premium.

- **Control your data model.**: Add an object, an attribute or a relationship and it is usable in rating, appetite and reporting at once. It is product definition, not an implementation.
- **Multi-workspace from day one.**: Create workspaces and teams to keep programs, carriers or regions apart where you need the boundary. Riska federates them, so leadership still sees the whole book.
- **Relationships that traverse.**: Stop siloing data in separate systems where a new field means waiting months for each module to catch up. On the Data Mesh, a new relationship or dataset is available to your team and agents the moment it exists.
- **Layer validation and controls.**: Submission data is messy. Riska gives you the tools to derive attributes, check that required data is present, and chase what is missing before it reaches a quote.

> "“It finally felt like I could configure the system to fit how we underwrite. The product and workspace model gave us the unified view we were looking for without stepping on each other’s toes.”" — Operations lead, Specialty MGA · 40 states

## Every desk works from the current account.

Every team and agent works from the latest picture of the account, automatically. A new dataset is ready to steer underwriting strategy as soon as it lands.

- **AI and derived attributes**: Track, enrich and update any field your underwriting needs.
- **First-class relationships**: Insureds, locations and coverages that know about each other.
- **Audit history**: Every change is recorded with who made it and when, whether an agent or a person.

## Change products without risking the live book.

Separate test environments let you iterate on a product before it touches a live quote.

- **Build new product lines.**: Riska gives the framework, you bring the proprietary underwriting strategy.
- **Iterate on existing product.**: Close the loop between results and rules, and release the more profitable version.
- **Release on your cadence.**: Release a new product or strategy in a single click.

> ""I really feel we've found something [riska] that gets our ideas to production at the speed we want."" — Carrier, Chief Underwriting Officer

## Keep your system of record, or replace it.

Whether you keep existing systems of record or run on Riska, both work the same way.

### External Sync

Sync policies, billing, claims or any dataset from the systems you run today. We handle the integration so your team works on the book, not the pipes.

### System of Record

Riska has its own modules for policy, billing, claims and broker relationships. Use them all or pick case by case.

### Seamless transfer

You own your data, full stop. If a third party or a Riska module stops earning its place, mix and match without friction.

## Ask what your reports cannot.

Ask the questions your reporting cannot, against live records rather than an export.

### Portfolio view

Written premium, loss ratio and concentration by state, class and producer. Live, not as of last month.

### Submission flow

What came in, what was triaged, what is waiting on an underwriter, and how long each has been sitting.

### Renewal book

What expires in the next ninety days, what has moved, and which accounts need a decision now.

## Built on the Data Mesh.

Every record is connected as it happens and shared by every feature, so a new field is useful everywhere at once.

## See your own book modelled.

Bring the spreadsheet you keep alongside your PAS. We will model it live and show you the queries it unlocks.