Insurance Solutions

 

 

Property Location InsightSM (PLI) is a location-based, predictive model that enhances the performance of rating territories for homeowners insurance companies.  PLI provides carriers with modeled location-based risk scores to more accurately align premiums with risk posed at a property address. By incorporating a comprehensive set of variables including weather, geography, and other location-based risk characteristics, PLI delivers individual scores by-peril, as well as a combined score for each requested property.  These scores reflect the probability of loss attributable to fire, theft, liability, weather, water (both weather and non-weather related), and other non-cat events, allowing carriers to more accurately price and underwrite risk.

 

» Assesses the location-specific risk for each policy

» Produces by-peril and composite location-based scores at the property level

» Supplements or replaces existing rating territories

» Improves price segmentation, maximizes premium capture opportunities, and significantly improve loss ratios.

Auto Location Insight

Auto Location InsightSM (ALI) is a location-based, predictive model that enhances the performance of rating territories for auto insurance companies.  ALI provides carriers with modeled risk scores that more accurately align premiums with risk posed by an individual’s likely driving environment. By incorporating a comprehensive set of risk variables including roadway data, infrastructure, law enforcement, weather, slope & elevation, and more, ALI delivers individual scores by coverage type. Use of these scores reflect probability of loss by coverage including: Bodily Injury, Property Damage, Collision, Comprehensive, Medical, Personal Injury Protection, and Combined Single Limit.

 

Benefits

» Identifies a customized and dynamic driving area most predictive of risk

» Assesses the location-specific risk for each policy

» Produces a location-based score at the policy holder level for each coverage type

» Supplements or replaces existing rating territories

» Improve price segmentation, maximize premium capture opportunities, and significantly improve loss ratios

 

Insurance Solutions

Explore's Solutions allow Insurance Carriers to identify risk exposure while providing an impressive return on investment.

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Auto Solutions Overview

E.A.R.S.® - Driver Violation Monitoring

RiskAlert® - Youthful Driver Discovery

Home Solutions Overview

FireSafe® - Fire Protection Information

FireSafe® RiskScore - Fire Peril Model

 

 

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FireSafe RiskScore

Fire Peril Model

FireSafe® RiskScore™ is a fire peril risk assessment tool for Homeowners and Dwelling Fire Insurance rating and underwriting. It represents the next generation of automated tools designed to accurately assign risk to your homeowners’ policies. The use of the FireSafe RiskScore Model is a notable improvement in the way that companies recognize and rate for fire protection at a property specific level. By considering certain differences in the construction of the insured home, its local demographic area, the drive distance to the responding fire station, as well as the fire fighting capabilities of the responder, you can achieve better segmentation of insured properties with respect to the fire peril and the risk these insured properties present.

To learn more about Explore's FireSafe® RiskScore product or to conduct a free test, please contact us at (800) 531-9125 or This email address is being protected from spambots. You need JavaScript enabled to view it.">This email address is being protected from spambots. You need JavaScript enabled to view it..

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