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Use Cases & Data Packages
Our Data Packages are based on a comprehensive set of Actionable Data & Predictive Analytics delivering an instant 360 view of the Business or Consumer, risks & exposures.
We offer four(4) package types: Commercial, Personal, Property & Propensity Scores & Models. Data Package availability: 1) Rest API 2) offline Batch 3) Self Service Ad hoc Reports Portal.
Our Data Packages are flexible and can be configured to support your current Underwriting Work flow Decision Process.
Commercial Packages
Business Credit & Risk Scores
Highly predictive Intelli-score with over 20 business credit and risk insights such as payment history, bankruptcy, judgements, etc.
Predictive
Loss
Signaling
Supporting the Predict and Prevent theme in the market, lets discuss & identity the appropriate data set to test for the strongest correlations for loss Frequency & Severity signaling.
Crime
Unique and powerful data set this is significantly outperforming FBI Crime for loss propensity when measured against actual policy loss activity. comprised of: NIBRS, ICPSR & 911 blotter
Firmographic/
Prefill
Includes all business facts for application/quote prefill. From Business NAICS Code(s) and description, sales, employees, year established, bankruptcy indicator, etc
Driver Safety & Motor Vehicles Violations
Both State Direct MVR Services as well as MVR Alternative based on court records. Cost-effective solution to get full violation details with a five year lookback nationwide. (subject to certain state restrictions).
VIN & Registration
Details
Package provides all registered vehicles based on state vehicle registry from the state motor vehicle departments offering vehicle VIN, registration data, Vehicle Characteristics, and Loss Correlations
Targeted
Marketing
Lead List
Ability to layer multiple risk selection and criteria filters to yield your best targets with strong conversion to bind. Additional consideration to leverage our proximity modeling tool to Identify businesses within specific radius of agent or business.
Upsell - Cross Sell Indicators
& Lead Scoring
Related to targeted marketing leads, this package can proactively identify businesses in line with your risk selection based on Propensity to bind triggers and Lifetime Value.
Property Packages
Property
BASE
Includes building characteristics (Sq. Ft, Yr. Built, roof, construction type, etc), Fire Protection, Emergency Services, MLS history, All Weather perils. Plus Propriety geocoding (at center of roof) and USPS CASS address standardization.
Distance to Fire Station
A proprietary model leveraging our consumer and business database and proximity model to provide the most comprehensive, complete and up-to-date solution.
Lessors
Co-Tenancy Risk
A Unique and Powerful data set that identifies all Units in commercial and mixed-use building as well as understand the “Type” of Tenant in Mixed Use Commercial Buildings.
Extends the concept of Co-tenancy to identify “risky” businesses outside of the subject building. Utilizing Al/machine learning based key words and phrases within specified distance radius.
Proximital Risk
Replacement
Cost
Estimator
This package is solving the Property Undervaluation & Premium Leakage problem with active monitoring of Inflation & Commodity Factors. Includes key parameters such as year built, sq. footage, building condition and quality, foundation type.
Personal Packages
Personal Lines Prefill
Leveraging our consumer database (300M Adults) this package includes primary named insured details, including credit proxy(Non-FCRA), financial strength, ability to pay, OFAC Search and all Household members (exposures) and their pertinent rating information.
Consumer
Credit
Two credit based insurance scores improving risk segmentation, pricing and targeted micro segmentation. 1) Forward looking for Prime V3, 2)Sub Prime, with thin credit file C1
Driver Safety
Motor Vehicles
Violations
Both State Direct MVR Services as well as MVR Alternative based on court records. Cost-effective solution to get full violation details with a five year lookback nationwide. (subject to certain state restrictions).
Fraud /
Premium Leakage
A prescriptive environment that leverages our eight-factor model to predict (and remediate) a consumer’s propensity to commit fraud, both hard fraud (claims) as well as soft fraud (premium leakage). Detailed results are presented with guidance on the best method to mitigate the exceptions noted.
Targeted
Marketing
Lead List
Ability to layer multiple risk selection and criteria filters to yield your best targets with strong conversion to bind. Additional consideration to leverage our proximity modeling tool to Identify businesses within specific radius of agent or business.
Upsell - Cross Sell Indicators
& Lead Scoring
Related to targeted marketing leads, this package can proactively identify businesses in line with your risk selection based on Propensity to bind triggers and Lifetime Value.
VIN & Registration
Details
Package provides all registered vehicles based on state vehicle registry from the state motor vehicle departments offering vehicle VIN, registration data, Vehicle Characteristics, and Loss Correlations
