Set Smarter Rates with
Confidence
Set accurate, compliant, and competitive rates with advanced predictive analytics.
Overview
Pinpoint helps carriers price with precision. Our rating models layer onto your existing filed rate plans, adding incremental predictive lift while staying fully compliant. From strict regulatory environments to flexible surplus lines, they support sharper pricing, faster filings, and meaningful improvements to loss ratio.
Make Better Pricing
Decisions, Faster
Understand where to adjust rates, how to respond to market changes, and how to maintain profitability — without adding complexity to your process.
-
Layer predictive lift onto your filed rates
How It Works
Pinpoint's filed rating factors plug into your existing rating plan as a regulatory-approved variable. Models add measurable predictive lift on top of your current structure, without requiring a refile.
What You Get
- Improved loss ratio without changing your filed rates
- Faster path to predictive lift than building from scratch
- Models approved for use in nine states
How It Fits Into Your Workflow
Pinpoint integrates as a rating variable within your existing filed plan, so your team gets accurate pricing without restructuring how rates are set.
-
Price surplus and non-admitted business with confidence
How It Works
For surplus lines and non-admitted business where filed rates don't apply, Pinpoint's models give pricing teams a real-time risk signal on each individual. Underwriters use the score to align price with true risk, even outside regulated rate plans.
What You Get
- Sharper pricing decisions on non-standard business
- Real-time individual-level risk insight
- Better alignment between price and expected loss
How It Fits Into Your Workflow
Pinpoint integrates into your existing pricing workflow, so your team can apply the signal at quote without restructuring how non-admitted business is handled.
-
Apply IRPM with data-backed confidence
How It Works
Pinpoint's IRPM model gives commercial underwriters a predictive signal to support individual risk modifications. Instead of relying on intuition or category-level adjustments, underwriters can apply IRPM credits and debits with statistical confidence.
What You Get
- More consistent IRPM decisions across underwriters
- Statistical backing for credits and debits
- Better alignment between modifications and actual risk
How It Fits Into Your Workflow
Pinpoint adds a clear signal alongside your existing IRPM process, so your underwriters can apply modifications faster and more consistently.
Layer predictive lift onto your filed rates
How It Works
Pinpoint's filed rating factors plug into your existing rating plan as a regulatory-approved variable. Models add measurable predictive lift on top of your current structure, without requiring a refile.
What You Get
- Improved loss ratio without changing your filed rates
- Faster path to predictive lift than building from scratch
- Models approved for use in nine states
How It Fits Into Your Workflow
Pinpoint integrates as a rating variable within your existing filed plan, so your team gets accurate pricing without restructuring how rates are set.
Price surplus and non-admitted business with confidence
How It Works
For surplus lines and non-admitted business where filed rates don't apply, Pinpoint's models give pricing teams a real-time risk signal on each individual. Underwriters use the score to align price with true risk, even outside regulated rate plans.
What You Get
- Sharper pricing decisions on non-standard business
- Real-time individual-level risk insight
- Better alignment between price and expected loss
How It Fits Into Your Workflow
Pinpoint integrates into your existing pricing workflow, so your team can apply the signal at quote without restructuring how non-admitted business is handled.
Apply IRPM with data-backed confidence
How It Works
Pinpoint's IRPM model gives commercial underwriters a predictive signal to support individual risk modifications. Instead of relying on intuition or category-level adjustments, underwriters can apply IRPM credits and debits with statistical confidence.
What You Get
- More consistent IRPM decisions across underwriters
- Statistical backing for credits and debits
- Better alignment between modifications and actual risk
How It Fits Into Your Workflow
Pinpoint adds a clear signal alongside your existing IRPM process, so your underwriters can apply modifications faster and more consistently.
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.
Key Ratemaking Benefits
Precision Pricing
Align rates with true risk using predictive analytics.
Profitability & Competitiveness
Balance margin protection with market responsiveness.
Compliance Ready
Maintain regulatory alignment while streamlining filings.
Have a question these models don't answer?
Pinpoint builds custom models for any two-outcome event, validated within 24 hours before anything goes live.
Case Studies
Results on Real Books
Personal auto · 714,577 policies
Redirecting acquisition spend with pre-quote Loss Predictions
Personal auto · 714,577 policies
Severity predictions applied across a 715k-policy book
Personal auto · 130,000 claimants
Attorney representation flagged at first notice of loss
Homeowners · ~300,000 policies
Frequency predictions at the top of the funnel
Homeowners · ~150,000 policies
Non-weather water risk priced before the application
Personal auto · 80,000 policies
Holding loss ratio while the book contracted 7%
Homeowners · 200,000 policies
Book roll reshaped by pre-bind Loss Predictions
Frequently Asked
Questions About Ratemaking
How does Pinpoint improve the ratemaking process for insurers?
Are Pinpoint’s solutions compliant with state regulations?
What flexibility do carriers have for surplus and non-admitted lines?
How does Pinpoint help with IRPM selection in commercial lines?
What are the key benefits carriers can expect from AI-powered ratemaking?
Fast-Track
Profitable Growth
Data Science That Delivers Business Impact
Purpose-built AI for insurers, uniting actuarial expertise and data science to drive smarter, fairer, and more profitable decisions.