Análisis de frecuencia en tarificacion de Seguros Bolívar

Abstract

This thesis was done while doing an internship at Seguros Bolívar, a leading entity in the insurance sector that is part of the business conglomerate called Grupo Bolívar. During my time at Seguros Bolívar, I had the opportunity to immerse myself in the area of ​​property insurance, where I was able to acquire a deep knowledge of the functioning and needs of the non-life insurance sector, with a particular focus on home insurance. The main objective of this thesis is to develop a predictive model for home insurance. In a business context increasingly oriented towards data analysis and evidence-based decision making, the ability to foresee events or trends has become essential. This model will be designed to predict the claim count for a given policy, taking into account a variety of factors such as the type of housing, the cost of the property, among others. By more accurately predicting claims, the insurer can optimize its pricing processes, thus offering more personalized and competitive coverage to its policyholders. In addition, this model contributes to proactive risk management, allowing the company to anticipate possible adverse events and take preventive measures to mitigate their impact. In short, this work not only represents an academic effort, but also a tangible contribution to the insurance sector, facilitating informed decision-making and improving the quality of the services offered by Seguros Bolívar.