Time for a Tune-Up? Signs your portfolio needs optimisation

In today’s insurance environment, a healthy portfolio isn’t just about growth - it’s about sustainable, profitable growth.

Here are a few signs your portfolio might be due for an optimisation review.

Consistent Loss Ratio Volatility

If performance swings wildly year-to-year, it may signal underlying rating or appetite mismatches.

High CAT Exposure Concentration

A disproportionate accumulation in specific perils or regions can threaten long-term stability, especially with tightening reinsurance terms.

Aging Rating Structures

If your pricing hasn’t been recalibrated for inflation, climate impacts, or new risk factors, profitability can quietly erode.

Product or Segment Drift

Over time, organic growth can shift a portfolio away from its original target market — potentially increasing risk unintentionally.

Underwriting Discipline Slippage

Risk creep sets in fast when acceptance criteria or authorities aren’t consistently applied.

It might be time for a structured, actionable portfolio review if any of these feel familiar.

At Storm Strategy, we help insurers and underwriting agencies sharpen underwriting discipline, rebalance portfolios, and build stronger, future-ready growth.