Sigma Encore RMIS integrates exposure and loss information at all levels of your location hierarchy. Exposures are critical in creating exposure ratio reporting, allocating cost of risk, and forecasting losses. When combined with our Property module, you can record, track, and report information about your company's potential exposure to loss relative to buildings, major assets, and vehicles.

The Exposure module allows risk management to input, track, and manage non-claim exposure information by location and time period. Exposures, when combined with claim frequency and severity data, depict a true picture of your company's exposure to, and the cost of, risk. Exposure-based reports normalize loss data among similar basis and provide risk management historical trends that support prevention and early intervention programs that attack the cost of risk.

Now risk managers can analyze important benchmarks such as number of claims per job class and/or shift by location, paid losses per dollar of payroll or unit produced, cost of liability coverage per mile driven, etc.

Features and benefits include:

• Unlimited number of user-defined exposure types linked to any location level
• User-defined exposure value basis, plus trend and allocation values and percentages
• Previous period exposure value and variance history for comparison reporting
• Exposure optionally linked to a specific policy or policy period
• Integrated diary, e-mail, and electronic file attachment functions
• Standard exposure reports supplemented by business intelligence ad hoc reporting