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well why do you think open data is necessary to be used in commercial insurance yeah so I I when I was um back at hiscox um our former German uh Robert hiscox would always say that to analyze or underwrite the risk um the only three things that mattered were whos the client who is the client and whos the client right because to some extent like all the other information about the assets of the client Etc obviously its important but really to understand is this a risk you really want on the right or not it is all about understanding who the client is and even forget about digitization for a second right if you just um Shadow and a commercial underwriter they already use all this data uh to analyze whole client is right so they would go online they would go to the companies the client websites to understand what they do they would go to uh often to Google reviews to understand the reputation of the client so the underwriters already use a lot of this data um often its not captured a
