Underwriting and Rating

A-PLUS

Balance savings and service when you choose from customizable loss history solutions at point of quote to optimize costs without compromising the customer experience.

Understanding claims history is crucial to accurate initial quoting

Despite the critical need, cost pressures lead many insurers to delay ordering loss history data until just before bind. Up to 60% of initial auto quotes change pre-bind, and 70% of homeowners policies have no past claims.

Information you need, efficiently and on time

Flexible A-PLUS™ loss history solutions can help you with:

Data-forward quoting

Deliver more accurate initial quotes, prevent surprise changes at bind, and create a seamless buying journey for valued policyholders.

Underwriting and rating

Get a clearer picture of past claims to help guide critical underwriting and rating decisions.

Resource optimization

Unlock savings by prioritizing loss history data: Determine which applicants need full pre-bind reports with our indicator.

Verisk's solutions help us build upon a solid and substantial foundation, enhancing our ability to bring tailored coverage options to homeowners across the United States.

Read the press release

Ty Harris

Openly

Chief Executive Officer and co-founder

Verisk is ahead of the curve in offering data to its insurer customers in novel ways that allow us to generate new value for the insurance consumer. By embedding high-quality risk data deeply within our underwriting, we can deliver on the vision of a better experience for the modern insurance buyer.

Read the press release

Steve Lekas

Branch

Co-founder and Chief Executive Officer

Customize A-PLUS to work for you

Full reports: Access up to 7 years of data on losses and claim types. Regulated by the FCRA.

Claims Activity Profiler (CAP): Decide when to order full reports at point of quote with this indicator of claims activity. Non-FCRA regulated.

Claims Activity Profiler (CAP) with Claims: Use both the reports and CAP to unlock the full potential of A-PLUS.

A-PLUS Auto Enhanced with Public Records: Bridge the 5.3% crash gap in loss history reports with 300M+ crash records.

Loss history options help insurers compete

A-PLUS empowers agents and underwriters with applicant claims data for precise pricing and insurability decisions. Our proprietary algorithm ensures comprehensive claim capture—only names and addresses are mandatory, all other fields are optional.

Optimize expenses with our loss history solutions

A-PLUS Property

Minimize uprating after initial home quotes, improve customer experience, and win and retain more business.

A-PLUS Auto

Unlock savings and gain a competitive advantage by bringing claims data forward in your auto quoting workflow.

A-PLUS Neighborhood Claims

Improve underwriting and rating by identifying claim events that may have affected a residence but were never claimed by the owners.

Consumers: Submit inquiries and explore information on how to order a free A-PLUS loss history report.

Submit now

Related resources

Stay in the know about important industry trends and innovative solutions.

Article

Renewal Book Strategies: 4 Best Practices for Auto Profitability & CX

Personal auto insurers face substantial profitability challenges. Renewal book strategies are one of the fastest ways to recharge profits.

Read the article

Brochure

Identify crashes and related risks more precisely with loss history innovations

Discover 5.3% of accidents missed in contributory loss history reports with up to 2% of discovered at-fault crashes involving extreme circumstances.

Download the brochure

Infographic

How well do you understand the properties surrounding the risks you insure?

Analyze loss history to identify claim trends and gain data insights to protect against inheriting future claims.

View the infographic

Webinar

Auto Underwriting: An Innovation-driven Formula for Profitable Growth

How can insurance leaders adapt to fast-evolving trends and drive success amid ongoing uncertainty? This webinar explores strategies for moving innovation forward.

View the webinar on demand

Article

Seeking new paths to cost efficiency in underwriting reports

Underwriting expenses can force auto and property insurers to choose between high costs that drain profitability and incomplete risk data.

Read the article

Case study

Case studies: Innovation journeys with four leading auto insurers

Recently published case studies describe the journeys of four insurers with Verisk’s innovative personal and commercial auto solutions.

Download the case study

Do more with the Verisk ecosystem

A-PLUS is just one of a wide array of solutions for your business.

Inspection and data verification tools

Use virtual inspection capability to efficiently gather and confirm critical information.

Learn about OneXperience for Personal Property

High-resolution aerial imagery

Uncover risks and bring application data to life with high-resolution aerial imagery.

Learn about Aerial Imagery Analytics

Replacement cost estimates for personal property

Keep homeowners better protected with replacement cost estimates built on real-world claims and multisource data.

Learn about 360Value for Personal Property

Police Lights During Evening Traffic Stop

Driving history data

Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.

Learn about Driving History Solutions

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Public records insights

Upgrade your MVR solution with more than 2 billion court records and over 300 million crash records for a clearer picture of driver risk.

Learn about Public Records Intelligence

Contact us to learn more

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

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Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

Main toll-free:

1-800-888-4476

Global toll-free:

International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

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