138 million commercial business records. 60 million structured records refreshed continuously from government sources across the globe. Unstructured signals pulled in real time at the moment of the submission. No stale databases. No overnight refresh. No black boxes.
One source classifies the risk; many sources reveal it. Here is what NeuralMetrics reads on every submission — and why each one matters at the point of underwriting.
Confirms the entity is real, active and in good standing — so the policy attaches to a named insured that exists.
License class and status where the license itself defines the operation and the exposure.
Violations, penalties and repeat findings — the clearest public read on workers' comp loss exposure.
Environmental permits and enforcement actions that reshape property and casualty exposure.
County and municipal records that reveal equipment, build-out and operations on the ground.
Litigation and judgments that signal financial stress and liability history.
Reconciled NAICS, SIC, ISO GL and WC codes fed straight into the decision engine.
Website, domain and how established and legitimate the operator looks online.
Size, revenue signal, headcount and structure that frame the risk.
Additional and secondary locations the broker packet may miss.
Operating hours, services offered and customer signals that expose true operations.
Continuous scanning for litigation, recalls, incidents and leadership trouble.
NeuralMetrics isn’t a US-only data set. The same structured government sources — Secretary-of-State-equivalents, licensing and inspections — are sourced across 35+ countries and six continents, reconciled across 22+ languages and local regulatory regimes.
Traditional providers refresh nightly, weekly or quarterly — and every one of those windows misses signals that change the risk. NeuralMetrics picks them up in the moments before the submission is scored.
A single-source classifier — or the broker assessment carried forward — sees one version of the business. Multi-source risk intelligence is a specific set of data assets that surface specific exposures a single source would miss.
Schedule a 30-minute walkthrough and we’ll run NeuralMetrics on a set of submissions from your book.
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