Simple.
Accurate.
Customizable.
With only a name and address, Pinpoint delivers actionable signals — helping carriers make faster, sharper decisions in marketing, underwriting, ratemaking, and claims.
Proven Accuracy in
Real-World Conditions
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Focus Your Acquisition Strategy
on Leads That DeliverPinpoint’s marketing intelligence solutions help you predict profitability, response, and conversion before you spend a dollar. Use data-driven models to optimize campaigns, prioritize outreach, and boost marketing ROI.
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AI-Powered Underwriting, Built on Actuarial Expertise
Pinpoint Predictive combines actuarial insight with AI to deliver faster, more accurate underwriting. Our compliant, customizable models streamline workflows, cut risk, and improve profitability, without sacrificing precision.
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AI-Powered Precision Pricing for Insurance
Pinpoint Predictive brings actuarial expertise and AI-driven analytics to ratemaking, helping carriers set compliant, competitive, and risk-aligned rates. From filed and non-admitted pricing to smarter IRPM selection, our models improve accuracy, streamline filings, and adapt quickly to market shifts, driving profitability without sacrificing compliance.
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AI-Powered Claims Optimization
Pinpoint Predictive helps carriers anticipate and manage claims with AI models that flag high-impact risks early, from attorney involvement and litigation to fraud, large losses, and cause of loss. By shifting from reactive handling to proactive strategy, claims teams improve outcomes, reduce severity, and protect profitability, without sacrificing compliance or accuracy.
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From Data to Actionable Predictions
Pinpoint’s Discovery Models let carriers design custom predictive solutions for any two-outcome event, like churn, premium leakage, or program adoption. With Binary Classifiers, teams can quickly test, validate, and deploy new models across underwriting, claims, and retention workflows, driving innovation without heavy development or data science resources.
Who We Provide Returns For
Project Your Gains, Instantly
See the Business Impact Before You Buy
Build financial projections fast. Loss ratio improvements and ROI in just minutes using Pinpoint’s intuitive tool.
Workbook Validation Made Simple
Quickly prepare loss outcomes, add predictions, refresh the workbook, and review lift charts and financial impact—all in one streamlined tool.
AI-Driven Risk Intelligence
Pinpoint empowers P&C insurers with deep-learning-powered loss predictions and risk scores, delivering earlier, more accurate insights to improve loss ratios and drive profitable, equitable growth.
Case Studies
Auto Case Study: Loss Cost Model to Optimize Marketing Spend
Pinpoint helped reduce Loss Ratio by 4 points on personal auto Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 714,577 Average Premium: $2,495 Use Case Focus: Customer Acquisition Challenges for Auto Insurers: The combined ratio for personal auto has worsened from 92.5% in 2020 (the best result in 25 years) to [...]
Auto Case Study: Claims Severity Predictions
Pinpoint helped reduce Loss Ratio by 3 points with Claims Severity Predictions Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 714,577 Average Premium: $2,495 Challenge for Auto Insurer: A national auto insurance carrier looked to augment their modeling and solve the problem of balancing business against increasing claim payouts, increasing costs [...]
Auto Case Study: Litigation Risk Scores
Pinpoint Helped Identify an Additional 6% of Claimants Likely to Seek Attorney Representation Client: National Auto Insurance Insurer Line of Business: Auto Insurance Model Trained: 130,000 Claimants Use Case Focus: Claims and Litigation A national insurance carrier partnered with Pinpoint to receive Risk Scores identifying the likelihood of Third-party Claimants to seek Attorney Representation. With [...]
Home Case Study: Claims Frequency Prediction to Optimize Growth
Pinpoint helped reduce Loss Ratio by 3 points to optimize profitable growth Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: ~300,000 Average Individual Premium: $2,900 A national home insurance carrier partnered with Pinpoint to receive Loss Predictions at the top of the funnel (before the customer journey begins). Their current [...]
Home Case Study: Loss Cost Prediction to Reduce Non-Weather Water Losses
Pinpoint helped reduce Loss Ratio by 4 points during pre-application Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: ~150,000 Average Individual Premium: $1,291 A national home insurance carrier partnered with Pinpoint to receive Loss Cost Predictions at the top of the funnel (before the customer journey begins). Their current models [...]
Auto Case Study: Loss Cost Prediction to Optimize Growth
Pinpoint helped reduce Loss Ratio by 4.6 points by focusing on Individual Drivers Client: National Auto Carrier Line of Business: Auto Insurance Number of Policies: 80,000 Average Premium: $1,500 Challenges for Auto Insurer: A national auto insurer partnered with Pinpoint on generating Loss Cost predictions to better understand the profitability on individual drivers and identify [...]
Home Case Study: Claims Frequency Predictions for Book Acquisition
Pinpoint helped reduce Loss Ratio by 7 points by focusing on Book Acquisition Strategy Client: National Home Insurance Carrier Line of Business: Home Insurance Number of Policies: 200,000 Average Premium: $2,813 Use Case Focus: Book Roll A national home insurance carrier used Pinpoint's platform to generate Loss Predictions. Their existing models were only available after the [...]
From Our Partners
Michael Lorion
CEO
“Pinpoint’s explainable visualizations reveal what drives human behavior, and also the interesting reasons why conventional data have missed the signal on this important issue. We see this as an important step forward in predicting behavior and ultimately reducing frictional costs and premiums.”
Vern Kirchhoff
SVP of Data Analytics
“Pinpoint’s automated platform unlocked 7 points of Loss Ratio improvement for our homeowners book for a 1-year implementation and, over the longer term, a larger bottom-line benefit as more of the book takes on the selected risk contours. The new signal we validated represents one of the largest boosts in predictive performance I’ve seen in the industry in 30 years.”
Michael Pauletti
Senior VP & Chief Pricing and Actuarial Officer
“Pinpoint’s deep-learning platform allowed us to predict non-cat homeowners’ losses at the beginning of the customer journey for the first time. Moreover, this score adds a remarkable new incremental lift above and beyond our rating model; it’s one of the most predictive factors we’ve seen.”
Analytics Team
“Pinpoint has provided game-changing new data to drive markedly improved loss ratios through better risk selection and claims handling.”
Rick Carter
Vice President, Analytics
“Above and beyond our latest pricing models, Pinpoint’s scores show material predictive lift for personal auto pure premiums. These are impressive results relative to other emerging vendor data offerings.”
Chad Combs
VP of Personal Lines, Underwriting
“Pinpoint provided significant predictive advancement in the identification of a highly important loss exposure. This enables Ohio Mutual to better identify premium leakage and loss mitigation opportunities in our Homeowners book.”
Chris Strohl
Vice President, Underwriting
“We’re excited to partner with Pinpoint as we look at the opportunity to get deeper insights into our customers and understand risks based on individual behaviors. Pinpoint’s deep learning capabilities are a game changer for us to better serve our customers and agents.”
Alice Robinson
Chief Actuary
“After just a few weeks of evaluating Pinpoint’s custom loss scores, we saw a significant improvement in loss ratio, and in predictive performance in our non-pay cancel model. In addition, the explainability of lift in predictive power yielded valuable insights. The Pinpoint team is helpful, knowledgeable, and easy to work with.”
Greg Godshall
President and CEO
“Pinpoint’s actuarial loss predictions will enable us to orchestrate the best experiences for agents and our customers, reducing friction and creating the ability to micro-segment leads like never before”
Frequently Asked Questions
What types of problems does Pinpoint help insurance carriers solve?
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Fast-Track
Profitable Growth
Data Science That Delivers Business Impact
Pinpoint is an AI company purpose-built for insurers. We combine deep actuarial expertise with modern data science to solve real-world problems across underwriting, marketing, and distribution. Our mission is simple: make insurance more precise and more profitable—one model at a time.