Try Claude
Security ScannerScan URLs, IPs, domains and files for threats
AI Tools for Commercial Lines Underwriters
AI tools that help commercial lines underwriters research account risks, analyze industry loss trends, screen for compliance issues, assess cyber exposure, and produce faster, more informed underwriting decisions.
Get started for free
Works in Chat, Cowork and Code
Revenue Estimate
~$42M · Private — no public filing
OSHA Violations
3 serious citations (2023–2024) · $22,000 in penalties
Active Litigation
2 civil suits — product liability, 1 workers comp dispute
EPA Record
Tier II reporting violation 2022 · resolved
D&O / Financial Distress
No distress signals · credit trade references positive
Account risk intelligence research
Build a complete risk profile on a commercial account before underwriting. Research financial strength, litigation history, regulatory compliance, and news that could affect the risk quality.
Research Riverside Packaging Corp as a prospective account for commercial general liability and property. Give me their financial signals, any OSHA or EPA violations, and litigation exposure.
Riverside Packaging Corp: Revenue ~$28M (estimated), OSHA: 2 serious violations in 2024 (citations for lockout/tagout and forklift safety, $14,500 penalty paid). EPA: 1 Tier II reporting violation (2023, resolved). Civil litigation: 2 active suits (product liability, slip and fall). No D&O/financial distress signals.
ToolRouter analyze_company
Revenue Estimate
~$28M · private company
OSHA Violations
2 serious (2024) · lockout/tagout & forklift · $14,500 paid
EPA Record
Tier II reporting violation 2023 · resolved
Active Litigation
2 civil suits — product liability, slip and fall
Financial Distress
No D&O signals detected
ToolRouter search_actions
AgencyViolationStatus
OSHALockout/tagout — serious · $8,200Resolved
OSHAForklift safety — serious · $6,300Resolved
EPATier II reporting failureResolved
3 total violations · all resolved
Industry loss trend research
Research loss frequency and severity trends for specific industries, NAICS codes, or coverage lines. Stay current on social inflation, nuclear verdicts, and emerging liability trends affecting your book.
Research general liability loss trends for the food and beverage manufacturing industry over the past 3 years. Include nuclear verdict data and emerging product liability exposures.
Food & beverage GL: claim frequency up 12% since 2023, severity up 28%. Nuclear verdicts: 4 verdicts above $50M in 2025 (3 allergen disclosure, 1 foreign object). Emerging: per- and polyfluoroalkyl substances (PFAS) contamination claims emerging — 14 new suits filed in Q4 2025. Rate adequacy challenged in this class.
ToolRouter research
Claim Frequency
+12% since 2023 · above historical average
Severity Trend
+28% average claim cost · driven by nuclear verdicts
Nuclear Verdicts (2025)
4 verdicts >$50M · 3 allergen, 1 foreign object
Emerging Exposure
PFAS contamination claims — 14 new suits Q4 2025
Rate Adequacy
Challenged in this class · carriers adding exclusions
Cyber risk pre-underwriting assessment
Assess a commercial account's cyber exposure before binding cyber liability coverage. Scan for known vulnerabilities, open ports, breach history, and security posture signals.
Assess the external cyber risk posture of cloudbridge-systems.com before underwriting their cyber liability policy. Check for open vulnerabilities, breach history, and security hygiene.
Cloudbridge Systems cyber assessment: 3 medium-severity findings (outdated TLS 1.0 on login portal, exposed admin directory, no DMARC enforcement). No known data breaches in public breach databases. CVE-2025-0142 (Apache) unpatched as of scan date. Risk: moderate. Recommendation: conditional acceptance with remediation requirement.
ToolRouter scan_domain
TLS Version
TLS 1.0 active on login portal — outdated
Admin Exposure
Admin directory publicly accessible
DMARC
No DMARC enforcement — phishing risk
Breach History
Not found in public breach databases
Overall Risk
Moderate · conditional acceptance with remediation
ToolRouter search_cves
CveComponentSeverity
CVE-2025-0142Apache HTTPMedium
CVE-2024-9981OpenSSLLow
CVE-2024-7723jQuery 3.4Low
1 unpatched medium CVE — remediation required
Property location hazard research
Assess natural hazard exposures, environmental risks, and geographic factors for commercial property locations. Research flood zones, earthquake risk, wildfire proximity, and crime statistics.
Assess the risk profile for a commercial warehouse at 1800 Alameda Blvd, Albuquerque, NM. I need flood zone, earthquake risk, crime stats, and any environmental concerns.
Albuquerque warehouse risk profile: FEMA Zone X (minimal flood risk). Seismic: Zone 2B, Richter 6.0 scenario possible (Rio Grande Rift). Crime: property crime index 142 (above national average of 100). Environmental: not within 1 mile of any CERCLA Superfund site. Overall: moderate risk, standard terms appropriate.
ToolRouter research
Flood Zone
FEMA Zone X — minimal flood risk
Seismic
Zone 2B · Richter 6.0 scenario possible (Rio Grande Rift)
Crime Index
142 property crime index · above national avg of 100
Environmental
Not within 1 mile of any CERCLA Superfund site
Overall Rating
Moderate risk · standard terms appropriate
Compliance and sanctions screening
Screen commercial accounts and their key principals against OFAC sanctions, PEP databases, and adverse media before binding coverage. Ensure underwriting warranties are supportable.
Screen Global Freight Partners LLC and its listed officers (Ahmed Al-Rashid, CEO; Zhang Wei, CFO) before binding their marine cargo policy.
Global Freight Partners LLC: OFAC — clear. Ahmed Al-Rashid: clear, no PEP flags. Zhang Wei: clear. Company: 2 adverse media hits (customs delay violations, 2023, resolved). No sanctions exposure. Clear to bind with standard marine cargo terms.
ToolRouter screen
OFAC — Company
Clear — no matches
Ahmed Al-Rashid (CEO)
Clear — no PEP flags
Zhang Wei (CFO)
Clear — no matches
Adverse Media
2 hits — customs delay violations 2023, both resolved
Recommendation
Clear to bind — standard marine cargo terms
Workers compensation class research
Research workers compensation loss cost trends, injury frequency, and regulatory changes for specific occupational class codes. Support accurate class code assignment and loss cost multiplier selection.
Research workers compensation loss trends for NCCI class code 8810 (clerical) and 5537 (air conditioning installation). Are there frequency or severity trends I should factor into pricing?
Class 8810 (clerical): frequency down 8% post-remote work adoption, severity up 15% (ergonomic and mental health claims). Class 5537 (A/C installation): frequency stable, severity up 22% driven by heat-related illness claims and falls from heights. OSHA heat illness standard under rulemaking — may affect 5537 costs significantly.
ToolRouter research
Class 8810 — Frequency
Down 8% post-remote work adoption
Class 8810 — Severity
+15% · ergonomic and mental health claims rising
Class 5537 — Frequency
Stable YoY
Class 5537 — Severity
+22% · heat illness and falls from heights
Regulatory Signal
OSHA heat illness standard under rulemaking — watch 5537 costs
Ready-to-use prompts
Account risk intelligence
Build a risk profile for Metro Event Management LLC as a new commercial account. Cover their business operations, any OSHA or liquor liability incidents, litigation history, and financial signals.
Industry GL loss trends
Research general liability loss trends for the hospitality industry (restaurants and bars) over the past 3 years. Include nuclear verdict data, liquor liability trends, and any emerging exposures.
Cyber pre-underwriting scan
Assess the cyber exposure of retailcorp.com before underwriting their cyber liability policy. Check for known vulnerabilities, data breach history, and external attack surface issues.
OSHA violation history
Search for OSHA enforcement actions and violations for the tree trimming and landscaping industry in the Southeast US in 2025. Summarize the most common citation types.
Property hazard research
Research the natural hazard, crime, and environmental risk profile for a commercial mixed-use property at 500 Canal St, New Orleans, LA 70130.
Sanctions and PEP screen
Screen the following principals for sanctions and PEP exposure before binding a commercial auto policy: Dmitri Volkov (CEO, Volkov Transport LLC, Chicago IL) and his company.
Workers comp class research
Research workers compensation frequency and severity trends for NCCI class code 6003 (street grading/paving) and 5102 (carpentry contractors). Include recent OSHA citation patterns.
Wildfire proximity assessment
Assess wildfire exposure for a commercial winery property at 100 Vineyard Rd, Santa Rosa, CA 95401. Include distance to wildland-urban interface, historical fire events, and current fire risk index.
Tools to power your best work
Vulnerability DatabaseSearch CVEs & track new advisories
Academic ResearchSearch papers, authors, citations
Competitor ResearchDeep intel from a single URL
Earthquake MonitorLive & historical earthquake data
Deep ResearchAI research reports with citations
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
People SearchFind anyone across 500+ sites
Crime StatsCrime data for 35+ countries
165+ tools.
One conversation.
Everything commercial lines underwriters need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
New commercial account submission review
Systematically evaluate a new commercial insurance submission with comprehensive external research.
Cyber liability underwriting
Complete pre-underwriting cyber risk assessment for a new cyber policy submission.
Commercial property location assessment
Build a comprehensive hazard profile for a commercial property underwriting location.
Frequently Asked Questions
Can these tools replace dedicated underwriting platforms?
No — dedicated UW platforms (Guidewire, Duck Creek, Applied) handle policy administration, rating, and workflow. These tools augment underwriting research by providing rapid intelligence on accounts, industries, and geographies that complements your rating and risk evaluation process.
How reliable is the regulatory violation data?
Regulatory Actions aggregates from official government databases including OSHA, EPA, CFPB, and state agencies. Data completeness depends on the agency's public disclosure practices. For formal underwriting decisions, always verify findings with original source documents.
Can I use the cyber scan tools on accounts without their consent?
The Security Scanner assesses publicly exposed infrastructure — information that is visible to anyone on the internet. This is standard practice in cyber underwriting. No credentials or account access are used. For deeper assessments requiring cooperation, formal questionnaires and security audits are appropriate.
What industries have the most useful research data available?
Heavily regulated industries (food processing, construction, manufacturing, transportation, healthcare) have the richest OSHA, EPA, and regulatory data. Loss trend research is best for industries with substantial published actuarial and insurance association data. Newer or niche industries may require more custom Deep Research.
How do I research accounts without a DUNS or established financial profile?
For smaller or private companies with limited public data, use Competitor Research's website and brand extraction, search regulatory databases for any violations, and use People Search to research principals. Deep Research can surface news coverage, reviews, and business directory information for smaller accounts.
Give your AI superpowers.
Get started for free
Works in Chat, Cowork and Code