Actuarial tools powered by property intelligence
Pricing risk with incomplete property data leads to underpricing, premium leakage, and missed signals. Nearmap property data and actuarial tools help insurers segment risk more precisely and protect premium revenue – making fast and accurate risk decisions standard practice.)
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Sharpen your pricing precision
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Clear actuarial insight
Flights up to 3x a year, with insights updated every time. Covering 88% of the U.S. population, in high resolution, so you won’t miss a detail.
Over 130+ property features and conditions automatically detected. As well as a Roof Age solution to see the current state of every property and price risk smarter. Before losses become claims.
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Data analytics starts with property data that actuaries can trust, and Nearmap supplies actuarial tools that deliver it at parcel level. To understand how analytics is reshaping underwriting and pricing, read our guides to insurance analytics software and insurtech.
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From property to portfolio
Move beyond regional rating models by pricing each property based on its specific vulnerabilities, resulting in more accurate and fair premiums.
Gain a comprehensive view of property risk, helping to avoid underpricing and protect your bottom line.
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Attract new business by offering superior pricing and protection based on precise risk evaluations.
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Pre-filed peril scores and AI detections
Carriers can reference the ready-to-use filings when submitting rate filings, streamlining the approval process. Nearmap also support carriers’ own filings, providing data and documentation to ensure a smoother rate filing process from the start.
Hail scores (Vulnerability & Claim Predictor)
Wind scores (Vulnerability & Claim Predictor)
AI detections including roof materials, roof shape, roof conditions, and other property attributes
Validated models for rating
Milliman Appleseed is an advisory organization licensed to submit loss costs, rating factors, and risk scores with state insurance regulators across the U.S. Backed by Milliman, one of the world's largest providers of actuarial, risk management, and technology solutions, Appleseed enables insurtechs to meet regulatory requirements faster, more easily, and at lower cost. Collaborating with Milliman Appleseed and using their extensive ratemaking experience and trusted relationships with state insurance regulators, Nearmap predictive peril scores are validated for fast, cost-efficient approvals.
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Enhance predictive models
With pre-built portfolio intelligence aggregating property-level insights across the whole book and comparing them against the market, data science teams can replace inefficient manual tools to improve rating and analyze portfolio risk trends. Portfolio Intelligence concentrates high-risk properties and model portfolio-level exposure, so actuarial teams can see where risk builds across the book and price it with evidence.
Sync with your systems
Data API and delivery
Carrier technology teams can bring Nearmap data into existing systems through Guidewire and API access, so models stay current without manual handling.
Analytics UI
Single Sign-On (SSO)
Core system integration
External data warehouse
PDF reports
Work with reliably fresh property intelligence
Explore how property intelligence can increase efficiency by predicting and mitigating price risks.
Applications
Imagery
Insights
Get started today
See how property intelligence can enhance rate segmentation and prevent premium leakage
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