About
One Concern is a planetary-scale resilience software platform designed to bridge climate risk and financial risk for capital markets, insurance, and real estate industries. By combining hazard science with cutting-edge AI and machine learning, the platform builds a digital twin of the physical world to uncover business interruption risks that traditional broad-brush approaches fail to capture. The platform introduces a consistent, comparable metric for physical risk measured in the form of time—allowing customers to evaluate, benchmark, and compare properties, companies, and entire sectors on equal footing. This represents a major departure from outdated check-the-box climate risk methodologies that have long paralyzed industries in uncertainty. One Concern's precision technology maps the intricate web of infrastructure dependencies—from power outages to supply chain disruptions—that expose businesses to uninsured losses. Purpose-built for financial services, insurers, and real estate investors, the platform enables accurate product pricing, strategic risk reshaping, and portfolio-level benchmarking in the face of accelerating climate change. Key capabilities include deep catastrophe modeling, physical risk quantification, business interruption analysis, infrastructure dependency mapping, and sector-level benchmarking. The platform also supports enterprise-grade partnerships, such as its strategic collaboration with Swiss Re to reveal business interruption risk at global scale. One Concern is ideal for any organization that needs to translate physical climate risk into actionable financial intelligence.
Key Features
- Digital Twin of the Physical World: Creates a comprehensive digital twin that maps infrastructure dependencies and reveals outside-the-fence risks impacting businesses during disasters.
- Time-Based Physical Risk Metrics: Provides a consistent, comparable metric for physical risk measured in time, enabling benchmarking of properties, companies, and sectors.
- Business Interruption Risk Quantification: Uncovers hidden business interruption vulnerabilities from power outages, supply chain disruptions, and other infrastructure failures.
- AI/ML Catastrophe Modeling: Harnesses AI, data science, and deep catastrophe modeling to differentiate risk at the property and business level with precision.
- Climate-to-Financial Risk Bridge: Translates physical climate risks into actionable financial metrics that insurers, capital markets, and real estate investors can directly use.
Use Cases
- Insurance companies pricing policies accurately based on precise physical infrastructure risk and business interruption exposure
- Capital markets firms benchmarking climate risk across sectors and investment portfolios for better allocation decisions
- Real estate investors assessing climate-related business interruption vulnerabilities before acquiring or valuing properties
- Financial institutions quantifying hidden physical risks to reshape lending, underwriting, and investment strategies
- Risk managers identifying infrastructure dependencies—such as power grid or supply chain reliance—that could lead to major uninsured business losses
Pros
- Novel Time-Based Risk Metric: Introduces a consistent, comparable time-based measure for physical risk that enables apples-to-apples benchmarking across properties and sectors.
- Precision Over Broad-Brush Assessments: Goes beyond generic climate check-the-box tools to deliver property-level, infrastructure-specific risk intelligence.
- Enterprise-Grade Validation: Strategic partnerships with global institutions like Swiss Re underscore the platform's credibility for high-stakes financial decisions.
Cons
- Enterprise-Focused Pricing: The platform targets large enterprises and financial institutions, making it potentially inaccessible or cost-prohibitive for smaller organizations.
- Narrow Industry Focus: Primarily built for financial services, insurance, and real estate sectors, limiting its applicability across other industries.
Frequently Asked Questions
What is One Concern?
One Concern is a planetary-scale resilience software platform that uses AI and machine learning to quantify climate and disaster risks, helping businesses and financial institutions understand and manage physical risk exposure.
Who is One Concern designed for?
The platform is designed for financial services companies, insurers, capital markets firms, and real estate investors who need to quantify physical climate risks and make high-value financial decisions.
How does One Concern measure physical risk?
One Concern measures physical risk using a time-based metric that provides a consistent, comparable measure across properties, companies, and sectors, going well beyond traditional broad-brush assessments.
What types of risks does One Concern assess?
One Concern assesses business interruption risks including power outages, supply chain disruptions, and other infrastructure dependencies that expose businesses to uninsured losses during natural disasters and climate events.
What makes One Concern different from traditional climate risk platforms?
Unlike traditional check-the-box tools, One Concern uses a digital twin of the physical world and deep catastrophe modeling to uncover outside-the-fence infrastructure risks that conventional approaches miss entirely.
