Re/insurer Howden Re has partnered with tech firm Synthetik Insurance Technologies, to launch a new analytics tool to help insurers and reinsurers better understand, quantify, and manage strikes, riots and civil commotion risk.

UNREST combines property-level analytics and dynamic event simulation to provide a granular view of SRCC exposure and potential loss scenarios. Designed to support underwriting, portfolio management and reinsurance decision-making, it has been designed to help users identify concentrations of risk, assess accumulation potential, and understand the potential impact of SRCC events across portfolios.

Andrew Foot, managing director at Howden Re, said: “SRCC has become an increasingly important consideration for insurers and reinsurers, but the tools available to assess the risk have struggled to keep pace with how these events actually unfold. UNREST sets a new standard for how this risk is assessed and managed.

“By pairing Howden Re’s market expertise with Synthetik’s modelling technology, we are giving both clients and reinsurers, a far more granular view of exposure, accumulation, and potential loss at the property level. That means better-informed underwriting, sharper portfolio management, and a clear advantage over those still relying on tools that were not built for how SRCC risk actually behaves.”

Brian Watson, Synthetik CEO, added: “Modelling SRCC risk with real precision has long been a challenge for the industry, partly because these events don't follow the kind of consistent historical patterns that other perils do. Our approach generates realistic event routes and footprints at the property level, rather than relying solely on broad historical or demographic trends.”

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