Insurance Timely. Accurate. Affordable.

E.A.R.S.^® (Electronically Accessed Re-underwriting Service) continually monitors insured drivers and automatically reports driving violations to participating auto insurance carriers. EARS offers accurate, timely notification of pertinent activity throughout the policy life cycle.

Violation Predictor^® is the most effective means of predicting an insured’s likely violation activity at New Business review. By integrating Violation Predictor into the underwriting workflow, insurers can optimize their operating efficiency and improve violation detection.

RiskAlert^® provides auto insurance carriers with early notification of youthful drivers at monitored policy addresses. Using a combination of government and third-party sources, RiskAlert is the most comprehensive and accurate way to detect undisclosed drivers and prioritize rate evasion efforts.

Auto Location Insight^® (ALI) is a location-based, predictive model that enhances the performance of rating territories for auto insurance companies. By combining roadway data, infrastructure, law enforcement, weather, demographics and more at the address level, ALI delivers individual risk scores with far greater precision and accuracy than traditional zip code-based territories.

Sherlock^® provides the industry’s only cost effective real-time solution for underwriting, pricing and fraud investigation based on an applicant’s criminal conviction history. Sherlock is not just a score, but actual criminal conviction records that have been cleansed, matched and standardized.

Property Location Insight^SM (PLI) is a location-based, predictive model that enhances the performance of rating territories for property insurance companies. By combining soil data, topography, weather, land cover and more at the address level, PLI delivers individual risk scores with far greater precision and accuracy than traditional zip code-based territories.

Water Backup Insight^SM (WBI) builds on the PLI solution by modeling specifically around water backup risk. By considering land details including soil composition, slope, waterway access and weather patterns, WBI provides the most accurate tool for predicting water backup losses at the address level.

FireSafe^® is a suite of products that leverages Explore’s proprietary nationwide fire station and high-pressure water databases to provide the most accurate assessment of fire loss risk at a given property. Available as a web service (API), website or batch service, FireSafe can fit seamlessly into any insurer’s workflow.