Understanding claims history is crucial to accurate initial quoting
Despite the critical need, cost pressures lead many insurers to delay ordering loss history data until just before bind. Up to 60% of initial auto quotes change pre-bind, and 70% of homeowners policies have no past claims.
Information you need, efficiently and on time
Flexible A-PLUS™ loss history solutions can help you with:
Data-forward quoting
Deliver more accurate initial quotes, prevent surprise changes at bind, and create a seamless buying journey for valued policyholders.
Underwriting and rating
Get a clearer picture of past claims to help guide critical underwriting and rating decisions.
Resource optimization
Unlock savings by prioritizing loss history data: Determine which applicants need full pre-bind reports with our indicator.
Customize A-PLUS to work for you
Full reports: Access up to 7 years of data on losses and claim types. Regulated by the FCRA.
Claims Activity Profiler (CAP): Decide when to order full reports at point of quote with this indicator of claims activity. Non-FCRA regulated.
Claims Activity Profiler (CAP) with Claims: Use both the reports and CAP to unlock the full potential of A-PLUS.
A-PLUS Auto Enhanced with Public Records: Bridge the 5.3% crash gap in loss history reports with 300M+ crash records.
Customize A-PLUS to work for you
Loss history options help insurers compete
A-PLUS empowers agents and underwriters with applicant claims data for precise pricing and insurability decisions. Our proprietary algorithm ensures comprehensive claim capture—only names and addresses are mandatory, all other fields are optional.
Loss history options help insurers compete
Optimize expenses with our loss history solutions
A-PLUS Property
Minimize uprating after initial home quotes, improve customer experience, and win and retain more business.
A-PLUS Auto
Unlock savings and gain a competitive advantage by bringing claims data forward in your auto quoting workflow.
A-PLUS Neighborhood Claims
Improve underwriting and rating by identifying claim events that may have affected a residence but were never claimed by the owners.
Related resources
Stay in the know about important industry trends and innovative solutions.
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Personal auto insurers face substantial profitability challenges. Renewal book strategies are one of the fastest ways to recharge profits.
Brochure
Identify crashes and related risks more precisely with loss history innovations
Discover 5.3% of accidents missed in contributory loss history reports with up to 2% of discovered at-fault crashes involving extreme circumstances.
Infographic
How well do you understand the properties surrounding the risks you insure?
Analyze loss history to identify claim trends and gain data insights to protect against inheriting future claims.
Webinar
Auto Underwriting: An Innovation-driven Formula for Profitable Growth
Article
Seeking new paths to cost efficiency in underwriting reports
Case study
Case studies: Innovation journeys with four leading auto insurers
Do more with the Verisk ecosystem
A-PLUS is just one of a wide array of solutions for your business.
Inspection and data verification tools
Use virtual inspection capability to efficiently gather and confirm critical information.
High-resolution aerial imagery
Uncover risks and bring application data to life with high-resolution aerial imagery.
Replacement cost estimates for personal property
Keep homeowners better protected with replacement cost estimates built on real-world claims and multisource data.
Driving history data
Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.
Rating integrity at every stage
Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.
Public records insights
Upgrade your MVR solution with more than 2 billion court records and over 300 million crash records for a clearer picture of driver risk.
Contact us to learn more
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