Underwrite Against Real Survival Data.
Early-closure signals, survival rates by NAICS + geography, cross-vertical compliance correlation, real-time webhooks. Built for commercial insurance underwriters who price policies against the actual lifecycle of their book — not just industry-average claim rates.
The Problem
Commercial underwriting runs on stale, indirect signals:
- Industry-average claim rates don't reflect the actual survival curve of your book in real time
- Early-stage business failures (the first 18 months) drive a disproportionate share of claims and you can't see them coming
- BOP and commercial-package pricing leans on demographic proxies when actual formation/dissolution data exists in the SOS
- Cross-correlation with regulatory compliance (EPA, OSHA, FDA) is locked behind separate vendors and stale exports
What You Can Do
Price Premiums Against Real Survival Data
Pull early-closure rates and full survival curves by NAICS sector and geography to price BOP, commercial package, and BI policies against actual lifecycle data — not just published industry-average claim rates. The signal updates monthly, not annually.
Surface 90-Day Early-Closure Risks
Subscribe to early-closure signals filtered by your book — NAICS sectors, geographies, policy effective dates. Get a webhook the moment an entity in your monitored cohort dissolves, with days_to_dissolution + dissolution_date so claims can pre-stage.
Cross-Reference With Regulatory Compliance
Insurer-tier subscribers pair business-survival signals with the Compliance vertical's facility risk score. Identify high-churn segments where regulatory pressure correlates with closure rate — the rare combined signal underwriters chase manually today.
Wire Webhook Alerts Into Underwriting + Claims
Subscribe a county, NAICS sector, or specific business name; the webhook fires on any formation, dissolution, or status change. Route the event into your underwriting queue for renewal cohorts or your claims pre-staging workflow for active policies.
Sample Insight
28.4% early-closure rate · 71.6% survive past 18 months · closure rate accelerating Q1 2026
Florida hospitality formations from 2024-Q4 cohort hit a 28.4% early-closure rate at 18 months — 6.1 percentage points higher than the same NAICS in IL and 9.3 points higher than IA. Q1 2026 closure rate is up 14% sequentially against the trailing-twelve baseline.
Action: reprice the FL NAICS-72 BOP book against the 28.4% baseline (vs. the industry-average proxy currently in use), and route every active FL hospitality policy with a sub-12-month formation date to a renewal-review workflow.
Illustrative only. Production survival rates compute from live SOS dissolution data and require a baseline of formation cohorts > 18 months old per state to stabilize.
Recommended Plan
The Insurer plan is sized for commercial underwriting — survival rates, early-closure signals, cross-vertical correlation, webhooks, and the rate limit to wire data into your stack.
- Everything in Lender
- Business survival rate by industry + geography
- 90-day early-closure signals
- Cross-vertical compliance correlation (with Compliance subscription)
- API access (10,000 req/mo)
- Unlimited CSV/JSON export
- Webhook alerts on formations, dissolutions, status changes
- Dedicated support
- 7-day free trial, cancel anytime
Need bulk-API redistribution rights or white-label? Talk to sales about Enterprise