Pinpoint empowers P&C insurers to quantify the profitability of their current and prospective business earlier, faster, and more accurately than ever before to significantly improve loss ratios. Our revolutionary risk selection platform uses a combination of individual behavioral predictors and advanced AI that goes beyond traditional variables (zip code, credit, and demographic categories) used by carriers today.
Fast-Track Profitable Growth
Improve Loss Ratios by 3–10 Points with the Industry’s Leading Risk Selection Platform
Improve your Loss Ratios
Pinpoint clients unlock 3-10 points in Loss Ratio improvement, and are better prepared for a more equitable future
Understand your Customers
Pinpoint provides you with individual-level intelligence for greater accuracy and powerful risk stratification at top of funnel
Accelerate Profitable Growth with Precision
Pinpoint empowers you to achieve a higher degree of accuracy in risk assessment, leading to greater profitability
Assess Individual-Level Risk at the Top of Funnel
The first step to profitable growth is earlier and more accurate risk predictions. Pinpoint provides P&C insurers with powerful Loss Predictions and Risk Scores to help them quantify and assess risk on a person-by-person basis to positively impact core insurance outcomes, in a fair and equitable manner.
Pinpoint Loss Predictions
Carriers use Pinpoint’s Loss Predictions to predict claims frequency, claims severity, and loss cost for homeowners and personal auto at two key points: before they become customers and before their policy renews. This gives carriers a prospective view towards risk at the earliest possible point to maximize profitable growth.
Pinpoint Risk Scores
Carriers use Pinpoint’s Risk Scores to determine the likelihood of litigation, SIU referral, (non-pay) cancellation, and specific types of premium leakage for homeowners and personal auto at two key points: before they become customers and before their policy renews. This gives carriers a prospective view of the future profitability of their customers and prospects.
Quantify the Impact of your Financial Models with ROI Calculator
The Pinpoint ROI Calculator (presented here) highlights the loss ratio improvement and savings for a carrier’s homeowner book of business using Pinpoint Loss Predictions.
Going Beyond Industry Compliance Standards to Give Insurers Peace of Mind
Pinpoint maintains robust programs for AI Fairness, Information Security, Privacy, and Insurance Regulation. We are committed to the highest ethical standards in risk management.
Pinpoint in the News
Hear from Our Clients
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.”
Analytics Team
“Pinpoint has provided game-changing new data to drive markedly improved loss ratios through better risk selection and claims handling.”
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.”
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.”
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.”
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”
Ready to Accelerate Profitable Growth?
Fast-track your Profitability and Portfolio Optimization with Pinpoint