Risk Scoring for Commercial Submissions
A 0–100 composite risk score assembled from Verisk PolicyAnalytics, LexisNexis C.L.U.E. Commercial, ISO signals, and ACORD submission data. Every score includes signal attribution — no black-box decisions.
Every score — with the signals behind it
Perilarc assembles a composite 0–100 score from six signal categories. Each score delivered to the underwriter includes a signal attribution breakdown — which signals contributed most, and why.
The data signals that drive the score
Perilarc draws on six signal categories, each connected to a carrier-grade data integration partner.
Verisk PolicyAnalytics
Property-level risk attributes: replacement cost estimates, building characteristics, geographic exposure data. Accessed via Verisk PolicyAnalytics integration partner connection.
LexisNexis C.L.U.E. Commercial
Commercial loss history — prior claims, loss amounts, loss dates — for the property address and insured entity. C.L.U.E. Commercial accessed via LexisNexis integration partner.
ISO PolicyServices
ISO industry class benchmarks, loss cost data by class code and territory, and advisory circulars relevant to risk classification. Accessed via ISO PolicyServices integration partner.
ACORD form completeness
Required field coverage scoring against ACORD 125 / ACORD 140 schema. Incomplete submissions are scored lower — incomplete data = higher risk in underwriting.
TIV and construction class
Total Insured Value combined with ACORD-reported construction class (frame / masonry / fire-resistive) and occupancy code. ISO construction class codes applied to scoring weight table.
CAT zone exposure
Coastal CAT Tier 1/2/3 wind and flood exposure from submission property address. CoreLogic Property Data accessed as integration partner for supplemental CAT zone verification.
Signal attribution — the underwriter sees what drove the score
Risk scoring tools that return a single number without attribution create compliance and governance problems for UW operations. If a submission is declined or referred on the basis of a risk score, the underwriter needs to know which signals contributed — and why.
Perilarc's score decomposition is delivered with every scoring result. The attribution table shows each signal category, its contribution in points, and the underlying data value that produced that contribution.
This supports the underwriter's own judgment — they can agree with the scoring, override it, or flag a specific signal as anomalous. Every override is recorded in the audit trail. Perilarc structures the data; the underwriting judgment remains with the underwriter.
UW Override Log
See Perilarc risk scoring configured for your commercial lines
Talk to our team about a structured pilot. We'll review your line mix, loss history data availability, and current policy system before recommending a scoring configuration.