About

Verisk Analytics

1

Who We Are…

2

ProprietaryAnalytics

Unique Data

Best-in-ClassDecision-Support

Leading provider of advanced data and analytics to insurance, financial services, healthcare, and supply chain domains

Verisk = Truth (Veritas) + Risk

The Verisk Way

VISION PURPOSEOUR WORKCORE VALUESLEADERSHIP DISTINCTIVES

We are a data analytics

company helping our

clients make crucial

decisions every day that

affect millions of lives and

tens of thousands of

businesses around the

world. We have a long and

distinguished history of

supporting our clients in

managing risk, making

informed decisions,

recovering from loss,

complying with regulatory

standards, and improving

service — ultimately

enhancing the lives of

people everywhere.

Our unshakable

commitment is to serve our

clients with the highest

level of quality, service, and

innovation in all we do.

We do things The Verisk

Way because we want our

customers, colleagues,

shareholders, and

communities to flourish.

The world’s

most effective

and

responsible

data/analytics

company in

pursuit of our

customers’

most strategic

opportunities

Respect for the

Individual

Integrity

Passion

Persistence

Confidence/Humility

Excellence

Teamwork

Focus on Customers

and Their Success

Customer-Centered

Product Innovation

n+1 Thinking

Serve

We take great

satisfaction

anticipating the

needs of our

customers and

colleagues and in

exceeding their

expectations.

Add Value

We see each day as

an opportunity to add

value within our

areas of

responsibility by

continually improving

quality, productivity,

and timeliness.

Innovate

We are passionate

about visualizing the

future and being

thought leaders in

order to achieve a

better tomorrow.

Unique Data Assets

Deep Domain Expertise

First-Mover Advantage

Embedded in Customer

Workflows

3

• Not-for-profit service bureau

• Limited legacy set of products

• Transition to for-profit

status; ESOP

• Created to provide

employee/management

ownership

Culture

Change

• Focus on innovation,

product development,

and new vertical

markets

• Greater emphasis on

analytics

• Higher volume of

acquisitions

• Overlay structures to

encourage repurposing

and collaboration

• Improved analytics

infrastructure

• Initial public offering of

Verisk Analytics, Inc.

• Add new acquisitions

• Strong capital base and

investment grade ratings

• Investing for future growth

• Greater focus on international

markets

• n+1 mindset

• Successful executive transition

Founding Inflection InnovationExpansion

• Drive to operational

efficiency and margin

improvement

• Definition of business

units and leadership

culture

• Pay-for-performance

compensation

A Proud History and Bright Future

1971–1997 1998–2001 2002–2007 2008–2009 2010 & Beyond

4

Strong Track Record of Top-Line Growth

5

CAGR 12.8%

Revenue$ in millions

540603

679761

830910

992

1,191

1,408

1,596

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

CAGR 13%

Long-Term Value Creation Objectives

6

Maintain leading position and grow revenue and solution setfor P&C insurance vertical

Deepen penetration in healthcare, financial services, and supply chain

Invest internally and through acquisition in proprietaryanalytics with scalable models

Grow revenue, profitability, and free cash flow at industry-leading levels

Enhance shareholder returns through strategic acquisitionprogram and focused capital management

Property / Casualty

Our Brands

Healthcare

Risk Analysis

Financial Services

7

The Markets

8

Property / Casualty

Financial Services

Healthcare

Government

Risk Management Supply Chain

Energy Agriculture

Our Unique and Valuable Data Assets

9

16.5 billion records in commercial and personal lines16.5B• Over 1,800 insurers provide data

• Almost 3 billion records submitted each year

25 years of VIN auto information25Detailed information on over 3.0 million commercial buildings3M+Insurance fraud database with more than 960 million claims960M+• Used by >90% of the P&C industry

Over 30 million annual claim assignments for property losses30M+• Used by 22 of the top 25 insurers

Models covering natural hazards in over 90 countries90+Healthcare data-driven solutions process over 67 million claims per day and over 2 billion member claims per month

67M

4.75 million Material Safety Data Sheets (MSDSs) covering hazardous chemicals in the supply chain

4.75M

Depersonalized information on 1.3 billion credit and debit card accounts

1.3B

Our data centers hold about 7 petabytes – 7,000,000 gigabytes – of information about risk

7P

Analytic Capabilities Are Our Foundation

10

Members of our highly skilled workforce hold more than 630 advanced

master’s degrees and doctorates in subjects ranging from actuarial

science, mathematics, and computer science to physics, engineering,

meteorology, and medicine. Verisk employees also hold hundreds of

certifications and professional designations in fields related to their

work.

600+

6,500+ Employees

Actuarial Professionals200+ Property/Casualty

Underwriters150+Including:

Important Principles

11

Identify and

Resource Innovators

Reimagine and

Enlarge Our Footprint

Build Solutions with

Strong Customer Value

Expand Relationships with

Customers as Development

Partners

Leverage and Develop

Proprietary Intellectual Assets

Embed Solutions in

Customers’ Workflow

Provide Value-

Added Solutions

The Data/Analytic Mind-Set

1. n+1 data set (proprietary)

2. Analytic differentiation

3. Leader in the market as a development partner

4. Excellence at Extract Transfer Load

5. Excellent consumability/visualization of content

6. Demonstrated value in use

12

Innovation: Building on Our Strengths

13

Cardinal Competitive

Advantages

Well Regarded by

Our Customers

Financial Strength

and Stability

• Proprietary data assets• First mover/incumbency

• Cross-selling opportunities• Trusted with customer

data to build new solutions

• NASDAQ Top 100• Investment-grade financial

strength

About Verisk Analytics