What We Do
QGEMS equips insurance companies with energy intelligence to accurately assess, underwrite, and manage energy-related risk. By integrating real-time telemetry, AI, and machine learning, insurers move beyond static actuarial models to offer smarter pricing, continuous reserve validation, and enhanced portfolio performance across property, environmental, and infrastructure lines.
Our Approach
QGEMS combines traditional actuarial science with advanced analytics and real-time data from renewable energy systems. We continuously ingests proprietary and external signals such as load behavior, weather patterns, grid volatility, and asset performance into AI-driven models that provide predictive insights, reserve adequacy assessments, and dynamic risk scoring. Our unified platform supports underwriting, compliance, capital modeling, and operational risk management across the full insurance value chain.
Our Objective
To enable insurers to price energy-related risk more competitively while supporting resilience and sustainability and empower insurers to lead in the clean energy transition with confidence, precision, and profitability. QGEMS helps insurers quantify risk more accurately, optimize reserves in real time, and build data-backed confidence across underwriting, capital allocation, and regulatory reporting.
Optimize Energy Related Risk
QGEMS empowers insurance companies to quantify, manage, and price energy assets and risk with AI-driven precision to transform static reserve models into real-time intelligence to enhance underwriting accuracy, portfolio performance, and increase long-term returns
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“At QGEMS, we’re redefining how insurers approach energy-related risk. By fusing energy intelligence with actuarial science, we give underwriters and CFOs the real-time tools to assess and price risk with increased accurately, optimize reserves, and unlock more predictable returns.”
Gordon Winston, CEO and Founder, QGEMS
Data Provenance Across the Energy Value Chain
The integrity and traceability of data are critical to the insurance industry’s risk assessment and underwriting. QGEMS delivers high-fidelity, real-time data with verified provenance across the energy value chain capturing the origin, transformation, and transactional history of each data point.
This end-to-end transparency enables insurers to confidently model and price risk associated with distributed energy assets, carbon exposure, and system resilience. By grounding AI-driven analytics in verifiable data lineage, QGEMS empowers insurers to move beyond static assumptions, enhancing underwriting precision, regulatory compliance, and long-term portfolio performance
“QGEMS provides insurers with a new level of risk intelligence by leveraging AI, ML and the most granular level energy data to forecast asset behavior, exposure, and system impact with precision. Underwriters and actuaries get smarter pricing, more accurate reserves, and a proactive approach to climate and infrastructure risk.”
Gordon Winston, CEO & Founder, QGEMS
Enhanced Reserve Accuracy
Dynamically analyze claims development patterns, exposure trends, tail behavior, and frequency-severity correlations to identify early indicators of Incurred But Not Reported (IBNR) shortfalls, case reserve inadequacies, or loss development misalignments. Automated guidance on reserve strengthening or releases while maintaining appropriate technical provisions in line with statutory, GAAP, or Solvency II requirements.
Predictive Analytics
CFOs and Chief Actuaries are able to align loss ratios, ultimate loss estimates, and capital adequacy levels with confidence intervals calibrated to actual portfolio volatility. Data-driven risk selection and pricing by continuously updating risk models based on granular real-world conditions enabling actuaries and underwriters to anticipate emerging loss drivers and adjust rating assumptions, policy limits, and deductibles.
Operational Risk Modeling
Central command and control capabilties and standardized protocols are critical for operational excellence. Adding a novel layer of operational risk modeling for sectors such as industrial, environmental, catastrophe, and renewable energy insurance, raises the bar for both risk classification granularity and moral hazard detection through QGEMS energy intelligence and real-time telemetry capabilities.
Continuous Reserve Cycles
Supports regulatory filings, internal audit trails, and capital modeling with built-in compliance logic and transparent actuarial documentation standards. Replacing static reserve cycles with continuous reserve validation equips insurers with tools to reduce adverse reserve development, enhance rating agency confidence, and optimize capital deployment across both admitted and non-admitted portfolios.
Ready to Quickly Benefit from Increases in Your Insurance Underwriting and Reserve Accuracy?
Connect with QGEMS to find out how we can help you unlock more from your energy assets and underwriting.
Together, we’ll build a more resilient, secure, and sustainable energy future.
