Telematics measures driving. Inspection reports measure the property. Neither measures the person.
Apply for Access →BRS delivers a behavioral risk intelligence signal before a personal lines policy is bound or renewed. The Brain evaluates behavioral patterns across financial responsibility, loss avoidance, property stewardship, and lifestyle stability — signals that predict claim frequency and severity independently of the telematics data carriers already collect. Coverage spans auto, homeowners, and umbrella lines. The score is calibrated for use at bind, renewal, and mid-term portfolio review.
Personal lines underwriters building behavioral overlays into risk selection. Actuarial teams modeling claim frequency and severity beyond telematics. Renewal underwriting desks seeking behavioral trajectory signals rather than static credit proxies. Portfolio risk management teams identifying concentration in behaviorally elevated cohorts that standard segmentation misses.
Pre-bind behavioral intelligence delivered before premium is set. Evaluates loss avoidance patterns, financial stewardship, and property engagement — the behavioral layer telematics and inspection reports cannot reach.
Behavioral read on how a policyholder's risk profile is evolving between policy periods. Detects behavioral drift — increasing risk trajectory — months before a claim event reflects it in loss ratios.
Behavioral patterns associated with moral hazard, claim frequency, and loss amplification. Supports risk selection decisions across auto, homeowners, and personal umbrella lines independently of driving records and inspection outcomes.
All BRS access flows through the BERS Permissible Purpose Standard (BERS PPS). Institutional eligibility is assessed by the BERS clearing account. Qualified institutions receive an authorization code upon approval.