Every underwriter opens files they can't fully see.
Commercial submissions arrive with a classification code and whatever the broker completed. The code tells you the bucket. It doesn't tell you whether that landscaping company also does tree removal, or whether that contractor runs a demolition operation out of the same address. You find out at the claim.
Incomplete data doesn't stay incomplete. It becomes a loss.
A business self-reports its classification at application. That code may be wrong, outdated, or insufficient. The exposure is priced against a profile that doesn't match the risk.
The submission captures the primary operation. The catering business running out of the restaurant, the pesticide application the landscaper added last season — these surface when a claim arrives, not when the file is opened.
Missing operational detail means questions to the broker, questions to the insured, and a file that sits while you wait for answers that should have been there at submission.
Know what you're writing before you write it. Know what changed before you renew it.
Products and services, secondary operations, OSHA violations, DOT records, workers comp history. Returned from a business name and address before the underwriter opens the file.
Misclassification risk flagged at submission. Ranked NAICS with confidence scores — so exposure is priced against the actual operational profile, not the code the applicant chose.
The questions your underwriters were going to ask the broker are answered before anyone picks up the phone.
New operations, new exposures, new regulatory filings. Surfaced at renewal — not after a claim on the next policy period.
Surface coverage gaps across the book simultaneously. Every renewal becomes an opportunity to reprice, restructure, or deepen the relationship.
Know which risks in your book have changed materially before you decide what to renew and at what price.
A name and address in. A complete risk profile out.
Submit a Name and Address
A business name and address is all Risk Identity needs. No forms to fill. No broker questionnaire. No implementation project.
Risk Identity Builds the Profile
40+ real-world sources synthesized into a single structured profile — operational description, products and services, NAICS with confidence scores, OSHA, FMCSA, workers comp, property data, exposure profile.
Underwriter Opens a Complete File
The full profile is returned via API into your underwriting workbench or directly in the Risk Identity UI. The underwriter opens the file knowing what the business actually does.
Columbus, OH 43228
Every profile carries a confidence score.
Every classification, every data point, every operational conclusion carries a confidence score derived from the strength of the underlying sources. High confidence means multiple corroborating signals. Lower confidence means the underwriter knows to dig deeper.