Explore Commercial Lines
Confianza’s commercial lines go beyond standard business and property records by validating inconsistencies and capturing details others miss. By structuring and refining data to reflect real-world conditions, insurers can evaluate opportunities earlier, prioritize effectively, and make decisions that improve underwriting performance and portfolio outcomes.
Property / Habitational Risk
The most complete picture of risk for any building or unit. Habitational Risk combines tenant financial risk (consumer and business), commercial tenant exposure, proximity risk associated with nearby businesses that identifies the risk of physical damage and/or the human harm posed by those nearby businesses and block-level crime data into a single measure. It identifies both large and those small, unresolved issues before they become large claims. Pairing it with our Replacement Cost Estimator results in the most comprehensive property solution on the market.
Fraud and Premium Leakage
A comprehensive solution that validates and quantifies exceptions in identity, territory, exposures, asset use, asset ownership, asset condition, rating variable integrity, and potential motive. This solution flags underpriced or misrepresented policies and reveals the policy holder’s potential intent — premium leakage is an issue that currently costs the industry an estimated 10–15% in under billed premium. Every exception comes with clear reason codes and messages so carriers and their agents know exactly how to remediate them.
Portfolio Optimization
An iterative process that begins with the profiling of the carrier’s “best” customers, then uses those profiles to uncover untapped opportunity – both within their existing distribution network and in new, unaddressed markets. Confianza matches the right agents and agencies to the right populations and fast-tracks the opportunities that best fit a carrier’s appetite. Subsequent exercises provide continuous measurements of the success of the execution of the strategy and necessary adjustments on recommended improvements.
Replacement Cost Estimator
An “open book” alternative to black-box calculators, executing more than over 200 building use-specific calculations, so that Confianza customers see exactly how every estimate is constructed. Our estimates are forecasted to mid-policy period using proprietary property-specific factors — not generic inflation factors — so coverage stays accurate all year, not just the time of bind.
Enhanced Marketing Solutions
Powered by Confianza’s extensive consumer and commercial databases, these solutions enable precision “proximital marketing” — targeting exact consumer and business types within a defined radius of any location — leveraging a deep library of consumer and business analytics to identify high-value opportunities. It’s a natural extension of Portfolio Optimization or a standalone engine for sharper, more targeted campaigns for carriers, MGAs or agents who already know their target candidates.
Financial Strength
With over 50% of small businesses failing within five years, Confianza’s financial risk measures — led by our proven “risk of default” score and enhanced with more than ten other proprietary financial and risk measures — provides carriers early signals into the detailed risk characteristics, future claims, appropriate payment terms, and fraud motives. It turns raw risk and financial uncertainty into an actionable, forward-looking risk signaling.
Commercial Auto Use (Core, Heavy, Incidental and None- CHIN)
Complete solution with emphasis on streamlining customer experience by pre populating all commercial vehicles including delivery trucks and trailers with VIN & Registration details. Highly accurate driver violation history will enable proactive risk assessment and selection. Confianza also cross-references the Federal Motor Carrier database to flag household vehicles used commercially, typically surfacing between 3% and 5% of VINs a carrier would not otherwise have known about.
CHIN forecasts how a company uses its vehicles and other motorized devices – classifying their use as Core, Heavy, Incidental, or Not Used – CHIN also provides with two additional layers of insights of vehicle-type detail (called common hazards). It surfaces commercial auto and other ancillary motorized vehicle risk that carriers often can’t see with traditional data alone.
Policy Up/Cross Sell Signals
A proprietary model that utilizes our comprehensive information base forecasting insurance products and services that are pertinent to the business. This model forecasts more than thirteen unique insurance products including the need for an all-inclusive business owner’s policy (BOP), general liability, commercial auto, commercial property, business interruption, cyber, errors & omissions, business umbrella, workers compensation, directors & officers, product liability, inland marine, builder’s risk, and flood.
