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Participant history, frequency, and activity type inform risk profiles
Move beyond demographics to behavior-based risk assessment. Our platform builds comprehensive participant profiles from actual activity patterns, experience levels, and historical engagement—enabling truly personalized pricing that rewards safe behavior and accurately prices higher-risk participants.
How behavioral data transforms underwriting for carriers.
Lower rates for experienced participants with proven track records across activities.
Identify high-risk behavior patterns before claims occur through activity analysis.
Integrate certifications, training completion, and skill assessments into risk profiles.
Better rates for consistently safe participants with clean activity histories.
The specific data we collect to power behavioral data.
How often participants engage in covered activities across all integrated platforms
Advancement through skill levels, class progressions, and difficulty tiers
Prior claims, near-misses, or safety incidents across the participant's activity history
Current certifications, training completions, and skill verifications
Familiarity with specific equipment types, rental vs owned, maintenance awareness
When participants typically engage—peak hours vs off-peak, weekday vs weekend
Real-world applications across our coverage verticals.
Example: Regular member (3x/week for 2 years) vs new member; 40% lower premium for proven safe behavior
Example: First-time marathon runner vs experienced runner with 10+ completions; experience-adjusted rates
Example: Certified climber with 100+ climbs vs beginner; skill-verified pricing tiers
Example: Regular client with documented history vs new client; known allergies and preferences tracked
Side-by-side comparison for behavioral data.
| Feature | Traditional | Event-Triggered |
|---|---|---|
| Risk Factors | Age, gender, location | Behavior, experience, history |
| Pricing Model | Demographic buckets | Individual risk scores |
| Claims Prediction | ~30% accuracy | ~85% accuracy |
| Profile Updates | Annual renewal | Continuous, per-activity |
| Safe Behavior Incentives | Generic discounts | Personalized rewards |
See how behavioral underwriting can transform your underwriting process. Schedule a personalized demo with our carrier partnerships team.