COPE scores the structure. BLES scores the behavior inside it.
Apply for Access →BLES generates a per-peril behavioral score for habitational insurance underwriting — the layer of loss prediction that sits between COPE data and claims history. The Brain evaluates behavioral signals across occupancy patterns, property maintenance behavior, lifestyle risk indicators, and financial stability — dimensions that construction quality and location cannot capture. BLES delivers a structured per-peril score at underwriting and is refreshed at renewal, giving carriers behavioral intelligence at the two moments that determine profitability.
Property and casualty carriers underwriting homeowner and renter policies who need the behavioral layer missing from COPE. Specialty lines underwriters in high-value habitational who need to distinguish similar structures by the behavior of the people inside them. MGA platforms building behavior-informed underwriting models for habitational books. Any carrier that has learned that two structurally identical homes in the same ZIP code can carry profoundly different behavioral risk profiles.
Behavioral prediction scores segmented by peril — fire, water, liability, theft. Each sub-score reflects behavioral signals predictive of that peril specifically, not a composite proxy. Delivered as structured per-peril indices within the BLES output.
Behavioral read on occupancy patterns, maintenance consistency, and property engagement. Identifies lifestyle signals predictive of loss frequency and severity that COPE data and inspection reports cannot surface before a claim occurs.
Behavioral trajectory monitoring for renewal underwriting decisions. Identifies behavioral pattern shifts between original underwriting and renewal that predict changed loss probability — delivering the behavioral update the inspection schedule misses.
All BLES access flows through the BERS Permissible Purpose Standard (BERS PPS). Carrier eligibility is assessed by the BERS clearing account. Qualified carriers receive an authorization code upon approval.