Crime Risk Intelligence for Insurance Professionals
Address-specific crime risk scores trusted by 9 of the top 10 insurance carriers
Trusted by Top Carriers. Proven Across Millions of Properties.
When your decisions about risk and underwriting decisions depend on crime risk at the location level, broad crime stats just aren’t enough. CAP Index delivers address-specific crime risk scores—not ZIP code estimates—so you can assess exposure with precision. From property crime to vandalism to vagrancy to disorderly conduct, our layered data empowers insurers to make smarter, more defensible decisions.
We founded the crime risk scoring industry nearly 40 years ago and were the first company to provide such data to insurers. For more than 32 years, we’ve worked with the largest U.S. insurance data provider. Chances are, you’ve already used our data without even knowing it—because we support hundreds of insurers, rating millions of properties across the country, including for 9 of the top 10 carriers.
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
Proven. Trusted. Relied on for Decades.
Serving hundreds of insurers – including the largest U.S. insurance data provider who has relied on CAP Index since 1993 – we’ve helped review and rate millions of properties worldwide. See what makes us the best choice to identify risk and make faster, smarter underwriting decisions.
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See the Data for Yourself
Want to understand how CAP Index scores can power up your strategy? Download a sample report.
Purpose-Built for Insurance Professionals
Our Ph.D. criminologists build sophisticated models grounded in proven scientific methodology and leveraging real-world crime data. Designed for commercial and personal lines, CAP Index equips insurance professionals with the granularity and flexibility to confidently write policies even in moderate- to high-crime areas without overpricing or overreacting.
What You Get
- Address-level crime risk scores, not ZIP code estimates
- Separate ratings for property and violent crime
- Individual scores for
| • Aggravated Assault | • Arson |
| • Auto Theft | • Burglary |
| • Disorderly Conduct | • Drugs |
| • Homicide | • Larceny |
| • Loitering/Vagrancy | • Rape |
| • Robbery | • Vandalism |
- Aggregate crime scores for crimes agains persons and crimes against property
- Past and projected scores to support future loss forecasting
How It Works
CAP Index’s model draws on an unmatched combination of:
- Address-specific crime data from police departments
- Sophisticated statistical modeling to forecast future risk
- Over 100 demographic and housing variables
Our approach never includes race, religion, or gender, ensuring objective, ethical analysis.
More Than Crime
CAP Index scores are also used to help evaluate risks associated with:
- Workers’ compensation claims
- Fraud and theft (internal and external)
- Premises and general liability exposures.
Whether you’re reviewing a single location or managing an entire book of business, CAP Index gives you the tools to act confidently – and defensibly.
Want to know what makes our model different?
Take a closer look at our crime risk methodology and how it’s been validated across millions of locations.