Violation Monitoring

E.A.R.S.® (Electronically Accessed Re-underwriting Service) continually monitors insured drivers and automatically reports driving violations to participating auto insurance carriers. Compared to traditional Motor Vehicle Reports, EARS offers faster notification of pertinent activity combined with lower monitoring costs.

Violation Prediction

Violation Predictor® is the most effective means of predicting an insured’s likely violation activity before ordering a Motor Vehicle Record. By integrating Violation Predictor into the underwriting workflow, insurers can optimize their MVR ordering to reduce costs and improve violation detection.

Youthful Driver Detection

RiskAlert® provides auto insurance carriers with early notification of youthful drivers at monitored policy addresses. Using a combination of government and third-party sources, RiskAlert is the most comprehensive and accurate way to detect undisclosed drivers and prioritize rate evasion efforts.

Auto Territory Definition

Auto Location Insight® (ALI) is a location-based, predictive model that enhances the performance of rating territories for auto insurance companies. By combining roadway data, infrastructure, law enforcement, weather, demographics and more at the address level, ALI delivers individual risk scores with far greater precision and accuracy than traditional zip code-based territories.

Criminal History

Sherlock® provides the industry’s only cost effective real-time solution for underwriting, pricing and fraud investigation based on an applicant’s criminal conviction history. Sherlock is not just a score, but actual criminal conviction records that have been cleansed, matched and standardized.

Property Territory Definition

Property Location InsightSM (PLI) is a location-based, predictive model that enhances the performance of rating territories for auto insurance companies. By combining soil data, topography, weather, land cover and more at the address level, PLI delivers individual risk scores with far greater precision and accuracy than traditional zip code-based territories.

Water Backup Risk

Water Backup InsightSM (WBI) builds on the PLI solution by modeling specifically around water backup risk. By considering land details including soil composition, slope, waterway access and weather patterns, WBI provides the most accurate tool for predicting water backup losses at the address level.

Fire Protection

FireSafe® is a suite of products that leverages Explore’s proprietary nationwide fire station and high-pressure water databases to provide the most accurate assessment of fire loss risk at a given property. Available as a web service (API), website or batch service, FireSafe can fit seamlessly into any insurer’s workflow.

Retention Marketing

Explore Life Event Triggers provide actionable, timely notification of major changes in your policyholders lives and insurance needs.  From preparing to move through the completion of their move, engagement, and more, Explore Life Event Triggers allows insurers to target the right message to their valuable customers at the right time.

CrashFinder

CrashFinder is a new and unique source of prior accident information from police accident reports. Fill in gaps of existing reports by matching drivers to the CrashFinder database at new business so you can know your risk and price it right.

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