U.S. CrimeRisk™
Predict Risk at the Policy Address Level
For property insurers, accurately quantifying the property risk of crime at the address level has been hindered by two prevailing impediments: incomplete and inaccurate crime counts at the city level and the lack of reported crime locations by most law enforcement agencies to the Federal Government. Most crimes are reported by individual law enforcement agencies including the Federal Bureau of Investigation (FBI), rather than by city or town, and many cities have more than one agency responsible for law enforcement. Plus, since U.S. law enforcement agencies don’t typically geocode the specific locations of reported crimes, this makes it difficult to ascertain the locations and neighborhoods where most crimes occur.
Key Benefits: CrimeRisk helps identify granular risk on an easy-to-understand to 100 scale, filling gaps in residential and commercial losses.
Avoid higher frequency business
Reduced UW Expenses
Better tier placement
Adjust deductibles
Optimize eligibility lines
Reduce inspection costs
Automate underwriting decisions
Unlock Valuable Insights
About the CrimeRisk Science
CrimeRisk™ methodology links sophisticated and current crime-related data—collected from 18,000 U.S. law enforcement agencies—to the geographic jurisdiction where the agency has law enforcement responsibility. More than 120 proprietary computer models then statistically predict the number and rates for every major type of property and violent crime for nearly a quarter of a million U.S. neighborhoods. This dense net of crime data is then inputted to risk models, resulting in a national database of block-level crime risk data
Why Cotality?
Available for portfolio consumption and through RiskMeter® from Cotality, CrimeRisk offers:
High resolution crime analytics available to census block (10-meter resolution crime data for the entire U.S.)
100% seamless U.S. coverage
Data validated on more than 8,000 U.S. cities
Normalized data with predictive accuracy up to 98%
Data for ten major crime categories (total crime, total property crime, total violent crime, murder, rape, robbery, aggravated assault, burglary, larceny-theft,
and motor vehicle theft
No redlining
For more information, please call 866-774-3282 or email us at hazardrisk@cotality.com
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