Industria insurance joint-stock companies apply a data-driven pricing strategy where risk-based calculations play a central role. The pricing of the insurance products is based on four main factors: historical data, forward-looking forecasts of insurance claims and compensation, administrative and other product-related costs (OPEX). An acceptable margin is then added and, depending on the payment model, a possible partner commission. These factors are compiled to determine the final pricing of the product. 

Industria insurance joint-stock companies also apply a structured process to continuously monitor and analyze the outcome of the insurance portfolios.