Insurance Solutions

E.A.R.S. ® - Electronically Accessed Reunderwriting Service
An innovative reporting service, designed to provide auto underwriters with the ability to continuously monitor a book of business for moving violation activity. This monthly service utilizes violation data provided to Explore by authorized state agencies. E.A.R.S.® proactively identifies high-risk drivers while simultaneously enforcing surcharge or tiering programs.

EARS Violation Predictor - MVR Decision Intelligence
Explore's Violation Predictor is an MVR order optimization tool that incorporates an extensive array of infrastructure, geo-demographic, and law enforcement data along with driver characteristics to identify policy holders most likely to have had violations. Violation Predictor enables carriers to reduce MVR expenses, improve yield, and maximize ROI. This breakthrough tool does not utilize credit.

RiskAlert ® - Undisclosed Driver Discovery Service
Specifically designed for personal auto lines, RiskAlert® continuously monitors state driver license files for the presence of newly licensed, youthful operators. RiskAlert® identifies and reports young drivers based on a series of customer defined filters. The result is a compact set of highly actionable underwriting reports that identify risk exposure and provide an opportunity for increased premiums.

FireSafe ® - Fire Protection Information Services
An automated system designed to provide insurance underwriters with timely and accurate information regarding the risk of fire peril. FireSafe® combines information on over 50,000 fire stations across the country with sophisticated mapping technology to produce "property specific" rating information at an affordable price.

FireSafe RiskScore - Fire Peril Risk Assessment Model
FireSafe® RiskScore™ is a fire peril risk assessment tool for Homeowners and Dwelling Fire Insurance rating and underwriting. It represents the next generation of automated tools designed to accurately assign risk to your homeowners' policies.