Crime Risk Intelligence for Insurance Professionals
Address-specific crime risk scores trusted by 9 of the top 10 insurance carriers.
Whether you’re building new insurance products, setting pricing, evaluating applications, or investigating claims, having the right data at the right time is critical. CAP Index helps insurance professionals across the policy lifecycle make more informed decisions by providing objective, location-based crime risk intelligence. From developing products that align with real-world exposure, to underwriting with confidence, to verifying environmental risk factors during claims investigations, we deliver insights that help you reduce loss, improve accuracy, and stay competitive.
Explore how our data supports each stage of your process:
What our clients are saying
“CAP Scores assist us in aligning the site-specific crime exposures to our risk selection and pricing guidelines.”
Scott Erhardt, Area Sr. Vice President
Arthur J. Gallagher Risk Management Services
Product Development & Pricing
Bring clarity to risk – and confidence to your pricing.
Underwriting
Make more informed underwriting decisions – faster, fairer, and with greater consistency.
Claims
Accelerate legitimate claims. Flag suspicious ones. Protect your bottom line.
What our clients are saying
“CAP Scores assist us in aligning the site-specific crime exposures to our risk selection and pricing guidelines.”
Scott Erhardt, Area Sr. Vice President
Arthur J. Gallagher Risk Management Services
Product Development & Pricing
Build insurance products that align with real-world risk
Creating competitive, profitable insurance products requires more than historical loss data. Markets shift quickly. Risk exposure varies dramatically from one neigborhood to the next. And pricing needs to reflect current conditions – not just past outcomes.
To stay ahead, product teams need reliable, granular, and forward-looking risk data. CAP Index delivers location-based crime risk intelligence that helps insurers design better products, fine-tune pricing strategies, and respond proactively to emerging threats.
How CAP Index supports product development and pricing:
Geographic segmentation made simple.
CAP Index provides consistent, hyper-local crime risk data – down to the street level – so insurers can segment markets more precisely and price policies more fairly.
Smarter pricing through better data.
By incorporating environmental crime risk into rating models, insurers gain a more accurate view of exposure and can fine-tune premiums to match true risk.
Fuel product innovation with actionable intelligence.
Our data helps identify underserved or high-risk segments – such as urban areas with elevated property crime – so insurers can design targeted products and coverage options.
Benchmark with confidence.
Using our objective and standardized data gives insurers a competitive edge when comparing product performance, adjusting pricing strategies, or entering new markets.
- Backed by defensible methodology, supporting transparency and regulatory compliance
- Ready for integration into pricing, actuarial, and product management systems
We turn complex crime patterns into simple, scalable intelligence you can trust—so you can build, price, and launch products that meet today’s risk environment with precision.
Solving your pain points with purpose-built data
- Consistently structured across markets—removing the burden of reconciling different local reporting practices
- Available at high granularity, from the block level up, to support hyper-local segmentation
- Regularly updated to reflect real-world conditions and trends in near real-time
Solving the pain points in modern underwriting
Crime data is critical—but only if it’s timely, accurate, and easy to use. CAP Index addresses key underwriting challenges by offering:
- Granular, street-level insights instead of broad regional statistics
- Standardized scoring across all jurisdictions to ensure consistency
- Transparent methodology that supports compliance and explains pricing decisions to agents and policyholders
- Flexible data delivery that integrates into your underwriting systems or dashboards
- Defensible data models designed to support fairness and reduce regulatory risk
Underwriting
Improve underwriting precision with crime risk data you can trust.
Accurate underwriting starts with a clear understanding of the risks tied to a specific location—but public crime data is often too broad, outdated, or inconsistent to support confident decision-making. Underwriters need granular, standardized, and actionable data to evaluate property exposures, price policies fairly, and maintain portfolio quality.
CAP Index delivers location-based crime risk scores that streamline the underwriting process—from application review to final approval—helping insurers assess and manage risk more efficiently.
How CAP Index supports underwriting:
Evaluate property and business exposure with precision.
Identify and manage high-risk zones.
Our data enables consistent underwriting practices across regions by highlighting areas with elevated crime risk, supporting informed decisions on deductibles, coverage limits, or potential declinations.
Support risk mitigation strategies.
With insight into the types and frequency of crimes in an area, underwriters can recommend security improvements that reduce exposure and qualify policyholders for discounts.
Strengthen fraud detection.
Patterns in local crime data can support the detection of suspicious claims or unusual application activity, especially in areas known for organized or repeat criminal activity.
Enable consistent, scalable decisions.
CAP Index provides structured data that integrates easily into underwriting workflows and rating platforms, reducing reliance on manual processes and supporting automation.
CAP Index helps underwriting teams balance accuracy, efficiency, and fairness—making smarter decisions while staying competitive in complex markets.
Claims
Streamline claims investigations with crime intelligence that adds context.
Handling claims effectively means walking the line between fast service and careful scrutiny. When the facts are unclear—or the circumstances seem suspicious—having access to trusted crime data can make all the difference. Whether it’s a property loss in a high-theft area or a questionable claim from a known fraud hotspot, CAP Index provides the objective, location-based insights that help claims teams move with confidence.
By adding crime risk data into the claims process, insurers can validate legitimate claims more quickly, allocate investigation resources more strategically, and stay ahead of evolving fraud tactics.
How CAP Index supports claims operations:
Validate claim plausibility with crime risk context.
Our data helps assess whether reported incidents align with known crime patterns in the area, aiding in early claim triage and deeper investigations when warranted.
Detect potential fraud using environmental indicators.
Claims flagged from high-risk areas or involving loss types tied to organized crime can be cross-referenced with CAP Index scores to support fraud detection efforts.
Prioritize investigation resources strategically.
By identifying geographic hotspots for theft, arson, or fraud, claims teams can allocate experienced adjusters or investigative support where it’s needed most.
Support subrogation strategies.
Crime trends can help identify patterns that suggest third-party involvement or organized criminal activity—opening the door for recovery through subrogation.
Improve speed and fairness in legitimate claims.
Immediate access to relevant crime data provides adjusters with context early in the process, reducing delays and improving customer satisfaction for valid claims.
Inform future loss prevention efforts.
Crime insights from claims data can be shared with underwriting and product teams to adjust policies, recommend protective measures, and reduce repeat losses.
With CAP Index, claims teams can operate more efficiently, reduce unnecessary payouts, and build a stronger foundation for fraud prevention—without compromising the service policyholders expect.
Making crime data usable, not overwhelming.
Claims departments often lack the tools or bandwidth to analyze raw crime statistics. CAP Index addresses this by delivering actionable, easy-to-understand crime risk scores that integrate seamlessly into claims workflows—so teams can act on insights without slowing down operations.
Our data is:
- Updated regularly, reflecting current conditions—not outdated trends
- Structured for integration, reducing reliance on manual research or judgment calls
- Backed by proven methodology, supporting defensibility in claims decisions
- Customizable, allowing adjusters to filter and flag based on specific thresholds or crime types
- Scalable and intuitive, so both large and lean teams can make use of the insights
Smarter insurance decisions start with better risk intelligence.
Across the insurance lifecycle—from designing new products to pricing policies, underwriting individual risks, and investigating claims—understanding crime exposure is critical. CAP Index provides insurers with objective, location-based crime risk data that enhances decision-making at every stage. Our insights help you assess risk more accurately, detect fraud more efficiently, and respond to emerging threats with confidence. Whether you’re focused on profitability, competitiveness, or operational efficiency, CAP Index delivers the clarity and consistency your teams need to manage risk in a complex world.