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Innovative
Solutions

Our team has extensive insurance industry, analytics and predictive modeling experience. We put this to work for auto insurers by offering insights, models and predictions that help insurers improve their risk selection and costing.

LUMINANT DRIVEN


Luminant DRIVEN is an innovative solution enabling competitive costing for automotive (re)insurance professionals that offers

  • An unparalleled view of factors driving automotive losses via validated, curated and up-to-date external data
  • Benchmark insights, data-driven comparative risk assessment and selection
  • Practical answers to manage your portfolio

ABOUT US


To know more, please click on the link below.

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OUR VALUE
PROPOSITION

We help insurers improve their risk selection and costing by effectively leveraging external data

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Our Blog

How often have you looked at a spreadsheet, a graph or even an SQL database, and thought: What is the story behind these numbers? How many hours do I need to spend figuring out why these numbers evolve and ponder about …

BLOG POSTS


01

America’s roads continue to be a drag on US auto insurers and consumers

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02

West and South drive recent road fatality uptick

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03

Record-setting verdicts in Commercial Auto

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Our Team

Dr. Renu Ann Joseph – CEO & Founder

Dr. Renu Ann Joseph is passionate about using data insights to unravel the big picture. A key ingredient in her problem-solving approach is the combination of traditional analytical methods and a fresh, objective, data-driven perspective.

In her most recent role, she worked on identifying and projecting external environment changes, captured from varied data sources, and linking them to a large re-insurer’s US casualty book of business. Though the scope of trends spanned several casualty lines of business, the focus of most of her work was on analyzing the deteriorating loss environment in US auto insurance, using out-of-the-box thinking applied to conventional data sources.

Renu is a trained Economist, with work experience in the financial services industry and in public health, in both corporate and academic environments. In the past fifteen years, she has worked on headline topics in casualty insurance data analytics, macroeconomic modeling, health policy analysis and tobacco control economics.

Bertrand Waché – Head Business Development

MBA, CPCU, ARM

Bertrand Waché is a veteran business developer in the insurance industry, where he spent nearly 30 years, mostly on the P&C side of the business, both in the US and internationally. He began by instilling marketing discipline into commercial insurance companies traditionally steeped in unsophisticated business behaviors where research, profiling, segmentation and quantified tracking of targeting activities did not exist. He moved on to product management and distribution functions, running two national networks of personal lines agents in the US, before wrapping all of his home office and field experience into a global research and development responsibility to support all product lines for a jumbo worldwide carrier. Then, he focused on spotting trends for a top reinsurer.

Bertrand has always been keen on running businesses by the numbers, and loves the opportunities presented by Luminant Analytics to enlighten (re)insurers about the actual influence of external factors on their bottom line, to improve their risk selection and pricing.

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