AI-Powered
Precision Pricing
for Insurance
Set accurate, compliant, and competitive rates with advanced predictive analytics.
Overview
Pinpoint’s AI-driven ratemaking solutions help carriers align rates with true risk, improve profitability, and adapt quickly to market changes. From strict regulatory environments to flexible surplus lines, our models deliver contextual insights that transform IRPM selection and rate setting—supporting strategies that are both compliant and business-ready.
Transform Pricing Strategy
with Predictive Precision
Integrating predictive analytics into the ratemaking process allows carriers to align rates with true risk, improve profitability, and respond faster to market changes, all without sacrificing regulatory compliance.
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State-Approved Compliant Pricing**
Our Filed Rating solution helps carriers align rates with risk using state-approved predictive models as supplementary rating variables. Designed specifically for admitted products, these models support filed rate optimization, regulatory alignment, and insurance filing compliance. By integrating predictive analytics into your pricing workflow, carriers can improve rate adequacy, streamline filing processes, and maintain competitive positioning while adhering to state requirements.
- Optimize rates with data-driven precision for filed products
- Enhance filing efficiency and reduce back-and-forth with regulators
- Ensure competitive positioning without compromising compliance
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Optimize Surplus Lines with Precision and Flexibility
Our Non-Admitted Pricing solution helps carriers balance profitability with marketplace competitiveness using flexible modeling approaches tailored to unique risk characteristics. By integrating predictive insights into pricing workflows, carriers can respond dynamically to changing market conditions, refine surplus lines pricing strategies, and maintain competitive positioning without compromising financial performance.
- Optimize surplus lines pricing with data-driven precision
- Adapt pricing strategies to market shifts
- Enhance competitive positioning across specialty and non-admitted lines
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Smarter IRPM for Commercial Lines
Pinpoint’s Commercial IRPM Selection solution uses predictive models to optimize Individual Risk Premium Modification (IRPM) selection for commercial lines. Leveraging IRPM modeling software and commercial risk rating analytics, allows carriers to align risk to rate more accurately, improving pricing precision and profitability.
- Optimize rating plan selection with predictive insights
- Improve commercial pricing accuracy and risk alignment
- Support a data-driven profitability strategy
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.
Case Studies
Predictive Power at Work
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 [...]
Frequently Asked
Questions
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?
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”
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.