Insurance & Insurtech
Powering business insurance decisions with verified financial and credit intelligence - from underwriting to portfolio monitoring.
Why Insurers Choose BrightQuery
Verified financial and credit signals for commercial lines and insurtech.
Verified Credit-Risk Signals from Real Filings
Build and calibrate risk models using BQ Credit Scores and macro-level financial data - supporting more accurate pricing, tighter underwriting guidelines, and improved loss performance.
Financial Health Visibility that Improves Underwriting Precision
Assess stability with revenue, headcount, payroll, profitability, assets, debt, and financial ratios - plus growth trends across annual, quarterly, and monthly intervals.
Ownership & Compliance Context for Risk & Fraud Mitigation
Verify ownership structures and run compliance checks (e.g., IRS tax lien checks, legal entity status/active indicators) to reduce exposure and improve confidence in policy eligibility decisions.
Core Use Cases for Insurance
Credit-Risk Underwriting Precision
Build risk models using BQ Credit Scores and financial health indicators to ensure accurate policy pricing and credit-driven underwriting decisions.
Risk Estimation & Portfolio Monitoring
Track revenue, headcount, payroll growth, debt, liquidity, and margins to identify deterioration signals and manage portfolio exposure over time.
Risk & Fraud Mitigation
Validate firmographics, ownership structures, and compliance signals - including legal status and tax lien checks - to minimize risk and reduce fraud leakage.
Tailored Product Design & Targeted Marketing
Leverage organizational health and growth indicators to design coverage and identify vetted business owners for targeted acquisition - grounded in authenticated firmographic, financial, and family tree data.
The BrightQuery Advantage
Government-sourced accuracy for insurance and credit-risk workflows
01
Financials & Credit
BQ Credit Score (financial-health based), revenue, headcount and payroll; gross profit, EBITDA, net income; cash and total assets; short- and long-term debt; financial ratios and margins; headcount and revenue growth (annual, quarterly, monthly); SBA loans.
02
Firmographics
Company name and DBA, website and LinkedIn, HQ address, phone; NAICS and SIC, EIN, ticker and CIK, legal form, nonprofit status, founded date; employer vs non-employer flags; BQ Confidence Score (filing activity).
03
Corporate Family Tree & Compliance
Ultimate parent and subsidiaries; legal entity status and active indicator; IRS tax lien checks.
04
Executives
Executive name and contact details, role and title, LinkedIn URL.
BQ Products
01
BQ Bulk Data Feeds
Structured business and financial data for rating models, portfolio analytics, and actuarial workflows at scale.
02
BQ Terminal
Interactive due diligence with firmographics, financials, legal entities, and executive intelligence for underwriters and risk analysts.
03
BQ Prospector
Target lists by industry, revenue, credit, employment, and geography for commercial lines and insurtech growth teams.
04
Financials and Employment API
Real-time access to quarterly financials and monthly employment signals for underwriting and portfolio monitoring.