---
path: /risk-modeling-software
title: "Insurance risk modeling software for pure premiums"
description: "Insurance risk modeling software for actuaries: build GLMs and GAMs, compute pure premiums, and keep models explainable, versioned, and cited to the data."
section: Product
priority: 0.7
changefreq: monthly
source_file: pages/marketing/seo/articleData.ts
---

# Insurance risk modeling software for pure premiums

Risk modeling is where pricing starts: turning loss and exposure data into a defensible pure premium. Tesora helps actuaries build frequency-severity and GLM/GAM models that stay explainable, versioned, and traceable to the underlying data.

## Build models you can defend

- Prepare data, engineer variables, and fit GLMs/GAMs with the actuary in control.
- Keep models fully explainable for regulators and internal governance.
- Version every model and document the process automatically.
- Trace each factor back to the data that produced it.

## Frequency-severity, done right

Sound pricing splits frequency (Poisson, with a log-exposure offset) from severity (Gamma), then combines them into a pure premium. Tesora follows actuarial practice rather than generic ML shortcuts, and validates with Actual/Expected checks by factor band, not just global fit.