Risk Foundry Unveils C4:

A Groundbreaking Operating System that Unites Underwriting, Actuarial, & Finance

Risk Foundry today announced the launch of C4, a next-generation platform designed to break down silos across underwriting, actuarial, and finance functions.

Built with probabilistic modelling at its core, C4 equips leaders with new ways to understand, structure, and communicate risk — whether to boards, (re)insurers, or capital partners.

A New Chapter for Insurance Leaders

For a long time, insurers and MGAs have faced fragmented views of performance. Underwriters optimise for selection, actuaries focus on reserves, and finance centres on capital requirements. These perspectives rarely align, leading to conflicting numbers, slow decision-making, and weak narratives with investors.

C4 addresses this by providing a single, unified platform where all three functions operate from the same foundation. The result is consistency, speed, and credibility at every level of the organisation.

Beyond the Point Estimate

Traditional models often reduce complex portfolios into a single ratio or point estimate. C4 changes that. Its Bayesian probabilistic engines simulate frequency and severity down to the policy and claim level, producing a full distribution of potential outcomes across time.

Where traditional models might show a loss ratio of 45%, C4 reveals the full picture — for example, showing there's a 1-in-10 chance it could exceed 60% and a 1-in-4 chance it stays below 40%. This transparency transforms how decisions are made and communicated across leadership teams and with external stakeholders.

For executives, this means:

• CEOs can own the narrative, moving from fragile single numbers to scenario-based strategies that drive confidence.

• CFOs can quantify uncertainty, evaluate Value-at-Risk, and link loss development directly to capital and cashflow planning.

• Investors and partners gain a transparent view of potential outcomes across scenarios — essential for building trust and allocating capital

By showing not just one number but the range of possibilities, C4 enables more constructive commercial conversations and opens the door to presenting risk in formats familiar to financial markets.

Structuring Risk for Tomorrow

C4 doesn't just improve current workflows — it points to a new way of packaging risk. By translating granular insurance data into probability-weighted scenarios, portfolios can be aggregated, tranched, or time-limited in ways that mirror financial products.

For instance, a portfolio of cyber risks could be packaged into tranches with property risks to form differentiated risk-return profiles, similar to structured credit products. This makes insurance risk accessible to a broader range of institutional investors and capital markets, expanding opportunities for capacity and growth.

Built for the Future

C4's modern architecture is designed for upgradability and growth:

• AI-ready, enabling rapid adoption of emerging data and modelling tools.

• Modular, allowing new features and integrations without disrupting core processes.

• Scalable, capable of handling billions of transactions and millions of simulations.

Invitation-Only Rollout

C4 is currently being introduced on an invitation-only basis. A select group of forward-looking MGAs, insurers, and capital partners are helping shape the platform during its initial release.

Interested parties can register to be notified when new places become available.

About Risk Foundry

Risk Foundry is a specialist technology company building advanced solutions for the insurance and financial services industry. Its mission is to empower insurers, MGAs, and capital partners with tools that combine actuarial science, underwriting expertise, and financial structuring — enabling smarter decisions, stronger narratives, and new opportunities for growth.

Contact: info@risk-foundry.com