Do you know your applicant’s full coverage history?
It’s a challenge to spot predictive behaviors that support new business segmentation. Holistic customer history data and actionable analytics at quote can help modernize insurance buying as you confidently assess risk and grow profitably. Do you have the deep data and IT resources to reach these goals at scale and speed?
Look past outdated coverage verification that’s stuck in the present
Coverage Verifier (CV) challenges the industry’s status quo with a proprietary structure that delivers every policy change for up to seven years—unpacking the applicant’s full transaction history in ways that no one-time snapshot can provide.
Efficient underwriting
Optimize risk selection, validate pricing tiers and discounts, and boost productivity by consolidating full policy history in one report.
Policy-level details
Get transactional detail on current and past policies for up to seven years. See coverage limits, mailing and garaging addresses, drivers, vehicles, and lapses.
Dependable prefill
Modernize buying journeys and accelerate quotes with prefill on drivers, vehicles, coverages, limits, and more.
Actionable analytics
Leverage the next evolution of CV our customers asked for, with more than 60 actionable, summarized, simple-to-consume analytics.
What if you could confidently predict future outcomes?
With CVAO, you can.
People shop constantly for auto insurance. Do you have the right data up front to quote and bind policies efficiently? Discover the power of Coverage Verifier Analytic Objects.
What if you could confidently predict future outcomes?
The future of risk segmentation
Features and capabilities
Unmatched data
Gain a chronological, 360-degree view of risk with granular history on policies, insureds, drivers, and vehicles for up to seven years. It’s data you can’t get elsewhere.
Next-generation analytics
Harness 60+ analytics with CV Analytic Objects (CVAO). Each attribute helps identify critical insured- and policy-level insights upfront. Unlock predictive behavioral patterns of shopping, payment and endorsement habits, and retention.
Laser-focused segmentation
Refine segmentation, sharpen underwriting and rating, and support risk development, eligibility decisions, payment requirements, and more.
Optimized expenses
Maximize underwriting efficiency when you integrate insurance-ready analytics across systems—with minimal demand on IT resources. Fuel your growth and profitability engine with diverse insights and multiple use cases to inform tailored workflows.
CV Compliance Suite
Save with our cost-effective suite: CV-ALIR® for seamless auto liability reporting, CV-Exchange for precise lienholder/loss payee reporting, and CV-Verification as a Service (CV-VaaS™) to connect loan and coverage information for insurers and lienholders.
Related resources
Discover how rich policy details can help optimize your underwriting workflow and compliance.
White paper
Auto Policy History Analytics: The Future of Risk Segmentation
Find the right insights with CVAO—an advanced suite of analytics that optimizes underwriting, pricing, and risk assessment using up to seven years of policy data.
Webinar
Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets
Personal auto insurers are at the intersection of hard and soft markets. Learn about new data sources, pioneering analytics, advanced technologies, and the latest innovations to better assess risk, achieve profitable new growth, and improve returns on existing book.
Article
Back to the Future: Past Policies Inspire Forward-Thinking Innovation
Personal auto insurance policy history data is key to unlocking predictive behavioral patterns and modern buying experiences of the future
Brochure
A new standard for personal auto policy history solutions
Look past outdated coverage verification solutions that are stuck in the present. Gain a chronological, 360-degree view of risk.
Webinar
Personal Auto Performance: 6 Strategies to Drive Efficiencies
Article
How to extract more value from auto insurance underwriting data
White paper
Innovation Strategies for Auto Insurance Underwriting
Do more with the Verisk ecosystem
Future-proof your business with a partner that puts you in the driver’s seat.
Modernized, data-forward quoting
Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.
Rating integrity at every stage
Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.
Loss history innovations
Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.
Driving history data
Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.
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