Virtual Earth in the Insurance Sector  BizMaps REALM is a Flood and risk analysis and assessment system for the insurance industry in Ireland. REALM aids insurers in making building-level risk assessment decisions based on proximity analysis of nearby hazards such as proximity to existing policies (for grouping of EML), proximity to flood risk zones, and proximity to areas prone to theft and previous claims activity. Key steps in using REALM REALM helps insurance professionals to immediately reduce their total risk exposure, identify high exposure areas and reduce the need for site inspections. Address finding REALM is an extremely powerful, flexible and easy-to-use application that includes the following functionality: Validate and plot the address of the prospective policy Analyse the proximity of existing and prospective policies plotted on an interactive map Group locations to provide a group risk assessment for an area Generate a risk exposure value for the prospective policy Use the grouped risk assessments for all future policy applications in the surrounding area   REALM - ALL RISKS Module The ALL RISKS Module is an optional add-on to REALM that opens up a wider selection of risk assessment functionality including advanced reports and mapping as well as risk analysis for other areas such as fire, theft, bust pipe, flood zone models and storm damage. The ALL RISKS module offers specialist flood risk analysis. The height above sea level for every customer’s location (past and present) is used along with digital terrain modelling to aggregate upwards to create national flood risk zones. Using this, an accurate model showing total risk exposure and pricing for any area can be immediately generated. What can REALM do for you? Facilitate identification of grouped risk for reinsurance and calculation of EML Identify risk for any new policy application entered Determine more accurately the risk profile of insured buildings Reduce the need for individual site inspections Ensure underwriting efficiency across the organisation REALM is delivered securely over the Internet as a hosted solution totally customised to your needs. We manage all of the datasets and systems, so you save on hardware, software and staffing costs. No other system provides comparable functionality, flexibility and such a comprehensive range of quality datasets at such a low cost.