Know which risks matter, and whether the controls behind them work.
Risks read against the capital, controls scored by the team that runs them, and what is coming, in one view in CoVi Analytics.
Shown on Halden, our fictitious Lloyd's managing agent. See how Halden runs it
Which risks need attention?
- 79Risks in one register
- 2Rated high after controls
- 84%Controls operating effectively
- Coverholder binding outside authorityOR-06.1 · coverholder audits ineffectiveHigh
- Fronting partner claims handling failureOR-06.2 · claims authority agreement ineffectiveHigh
The PRA wants boards to challenge the numbers.
Our reading: a register that scores risks, but cannot say what they cost or whether their controls work, will not hold up to that challenge.
- 15 Jan 2026 · PRASCRs "could be understated, and this risk increases as the underwriting cycle weakens." The PRA expects boards to challenge management's assumptions.Source: PRA, Insurance Supervision: 2026 priorities, p4 (opens in a new tab)
- Apr 2026 · PRAReasonable steps include "obtaining appropriate internal management information, and critically interrogating and monitoring that information".Source: PRA SS35/15, April 2026 update, para 2.112 (opens in a new tab)
- 2026 · Lloyd'sLloyd's will develop its oversight of managing agency governance and "provide updated ORSA guidance".Source: Lloyd's Market Oversight Plan 2026 (opens in a new tab)
What you get
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Read your register in pounds, not only in scores.
Each risk class carries its share of the SCR, from the capital figures finance already files, so the board sees what each risk could cost.
- Today
- A register sorted by score
- With CoVi Analytics
- Each class with its share of capital
Where the capital goesHalden · Ultimate SCR £330m -
Get your controls owned and assessed in weeks, not months.
In CORE, each control sits with the team that runs it. The evidence is recorded where the work happens, so the risk team reads it instead of chasing it.
- Today
- Evidence chased by email each quarter
- With CoVi Analytics
- Evidence recorded as the work is done
Halden's controls report, weakest team first.
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Track what is coming on the same view, not on one slide a year.
Each emerging risk has an owner and a place on the radar. When it lands, it moves into the register with its controls and indicators.
- Today
- Emerging risks on one slide a year
- With CoVi Analytics
- On the radar, with an owner
What is comingHalden · 12 emerging risks- On the horizonFurthest out3
- Watch listOwner named, signals watched5
- In the registerWith controls and indicators4
Social inflation moved from the watch list into the register as IR-01.3.
Spend the risk committee on the risks that matter.
Risks in pounds, controls scored by team and what is coming, read together in one view.
Bring your register. See it read against your capital.
Tell us how your register and control testing work today, and leave knowing where to start.
We'll walk you through how it all comes together with Halden.