MS Amlin has appointed Andrew Fish (pictured above) as head of exposure management, reinforcing its catastrophe risk analytics capabilities as the Lloyd's market grapples with record insured losses and mounting questions about traditional modeling approaches.
Fish will oversee a team of 35 professionals responsible for analyzing the insurer's catastrophe exposure across its entire portfolio and producing probable maximum losses that inform reinsurance purchasing and capital allocation decisions.
The appointment builds on MS Amlin's April 2024 partnership with catastrophe risk modeling firm Moody's RMS, which saw the insurer adopt multiple applications including Exposure IQ, Risk Modeler and Treaty IQ on the cloud-native Intelligent Risk Platform.
Dr Jessica Turner, who headed MS Amlin's exposure management team when the partnership was announced, said the ability to deeply understand exposures and model scenarios had become vital for the firm's development as a leading Lloyd's market player.
"The world is getting more complicated, with a multitude of constantly and quickly evolving factors and situations," Turner said.
The firm has since moved its exposure management team into its underwriting division to facilitate closer alignment and support efficient decision-making, according to an announcement at the time.
Read more: MS Amlin partners with Moody's RMS
Fish spent the past four years at Aon as head of global re specialty catastrophe management, supporting clients across property specialty, directors and officers, retrocessional business and specialty lines.
He previously served as head of catastrophe pricing and analytics at QIC Global Services through 2021, overseeing pricing functions across Qatar Re, Antares Syndicate and QEL. His earlier career included structuring insurance-linked securities transactions at Aon, covering catastrophe bonds and sidecar arrangements.
The insurance industry has faced mounting evidence that catastrophe models struggle with emerging risks. The January 2025 Los Angeles wildfires produced the highest insured wildfire losses on record at $40 billion, analysts estimate.
Mohsen Rahnama, chief risk modeling officer at Moody's, described the Los Angeles firestorm as "a unique and complex scenario that serves as a wakeup call for the market", citing uncertainty from insurance gaps, underinsurance and significant additional living expenses.
Severe convective storms have also challenged traditional approaches. Global insured losses from such storms reached $50 billion in 2025, making it the third costliest year after 2023 and 2024, industry data shows.
Martin Burke, MS Amlin's chief underwriting officer, said Fish's deep expertise would prove invaluable as the firm helps clients manage complex and evolving catastrophe risks.
The appointment reflects growing recognition that sophisticated exposure management has become essential for navigating climate change, emerging perils and model uncertainty.
