AI Insights
Know the health of your portfolio
Portfolio Intelligence gives insurers a clear, data-driven view of how risk is distributed across the whole book. It aggregates AI-powered property-level risk scores and insights and compares them against market benchmark data. Insurers see where their portfolio sits against the market and can strengthen underwriting, risk management, reinsurance, and growth strategies.
Reduce losses
Assess portfolio health against market benchmarks to find loss exposure early. Pre-built analysis empowers data-backed underwriting and risk assessment decisions.
)
Optimize reinsurance
Enter treaty negotiations with independent, defensible market benchmarking data, not just a broker’s default assumption.
)
Boost performance
Compare agencies’ submissions to local market norms. Identify under-penetrated, low-risk areas for profitable growth.
Roof condition across the entire U.S.
Nearmap analyzes aerial imagery and scores roofs with the AI-powered Roof Spotlight Index (RSI), for more than 100 million parcels and ~88% of the US population. RSI measures the overall quality of a roof and includes factors like staining, ponding, missing shingles, repairs, and other visible roof damage. This nationwide, regularly updated view of roof condition is what a carrier's portfolio can be benchmarked against.
)
Better risk insights
Reduce portfolio lossess
Drill-down capabilities
Interactive map offers multiple zoom levels to for in-depth, actionable portfolio insights at the state, county, zip, and neighborhood levels.
)
)
Advanced risk segmentation
With the ability to filter by custom flags, users can segment their portfolio based on personalized rules, like the presence of trampolines, pools, wildfire risks, etc. — providing granular control over portfolio analysis.
)
Benchmark risk against the market
Compare average portfolio roof condition to the market average to find the highest-risk share of the book. Teams can target these areas and properties for re-underwriting, inspection, or non-renewal before adverse selection sets in.
)
)
Lower the cost of uncertainty
Defend reinsurance & pricing strategy
Reinsurers run their own analysis of a carrier’s book. Without secondary risk classifiers, catastrophe (CAT) models default to worst-case assumptions, and reinsurance premiums follow.
Defensible, objective market benchmarking data flips that: carriers can prove their portfolio is healthier than the market, eliminating the uncertainty gap, driving down PML (Probable Maximum Loss) and the reinsurance premium tied to it.
Bottom line improvements
A super-regional carrier in the Northeast used Nearmap property and portfolio data to negotiate an 8% PML reduction and $7M in annual reinsurance premium savings.
)
Smarter risk selection
Optimize agency performance
Assess agency performance based on RSI distributions, flagged risks, wildfire, flood, and hail scores, and other key indicators.
Market context
Assess each agency’s submissions against the local market average roof condition. Distribution and underwriting leaders get a data-backed basis for agent conversations, targeted support, and annual reviews.
Map visualizations
Easily interpret agency performance through interactive visualizations.
)
Export capabilities
Extract detailed property insights for efficient decision-making and collaboration with agents.
“Portfolio Intelligence brings a lot of value to me, with these pre-built insights, I can get to the portfolio-level risk exposure much faster than ever before, and make more accurate underwriting and claims decisions.”
Shawn Kein, VP of Underwriting, Utica First Insurance
“This Portfolio Intelligence is exactly what I've been talking to the Nearmap team about for the last couple of years about helping me better manage the book on a portfolio basis versus an individual exposure basis.”
Rob Jacobson, CEO & President, Rockford Mutual Insurance
“I can look at the property concentration map and some of these bare spots and ask: ‘Why don’t we have any insured in this area?’ ‘Which agent would I talk to in that geographic area?' This helps us identify opportunities to grow.”
Jonathan Becker, VP of Underwriting, Vermont Mutual
“With this data in hand, we can have a more informed conversation about the quality of the agent's book rather than just looking at their loss ratio.”
Rob Jacobson, CEO & President, Rockford Mutual Insurance)
new market opportunities
Grow your portfolio
Map your entire portfolio to uncover geographical distributions, refine target markets, and drive profitability. With market benchmark data, insurers can easily identify high-quality, underserved growth markets and expand based on market signals instead of intuition.
Frequently asked questions
Get answers to questions about portfolio intelligenceWhat is Portfolio Intelligence?
Portfolio Intelligence is a pre-built portfolio analysis solution that aggregates property-level insights from Betterview to give insurers a clear, visualized view of insurance risk distribution.
What is Portfolio Benchmarking?
Portfolio Benchmarking is a premium add-on to Portfolio Intelligence that compares a carrier’s insured portfolio against the Nearmap US property database — 100M+ parcels, covering about 88% of the population — using the AI-derived Roof Spotlight Index (RSI). It answers the question every carrier needs but can’t answer from its own book alone: how does my portfolio compare to the market?
How is Portfolio Benchmarking different from Portfolio Intelligence?
Portfolio Intelligence shows a carrier its own book: property condition, risk concentration, and portfolio trends. Portfolio Benchmarking adds the external reference: how that book compares to the broader market, refreshed regularly rather than only at renewal.
What data powers the market benchmark data?
The benchmark is built on the Nearmap complete US property database — 100M+ parcels and ~88% of US population. Each building is scored with the AI-powered Roof Spotlight Index (RSI). It’s the same underlying data and AI insights carriers already use in the Betterview application, applied to the whole market.
What geographic levels can I compare at?
State, county, ZIP code, and neighborhood (H3 hex) levels. Carriers can move between regional overview and neighborhood-level analysis within the same session.
Does Portfolio Intelligence support line-of-business segmentation?
Yes, Portfolio Intelligence and the market benchmark data allow for filters like line-of-business, agency, land use, Total Insured Value (TIV), and more. Residential portfolios can be benchmarked against residential market data and commercial portfolios against commercial market data, so comparisons are always like-for-like.
Ready to upgrade your insights?
Move beyond fragmented property assessments and take a comprehensive approach to portfolio-wide risk analysis. Portfolio Intelligence helps carriers reduce losses, optimize underwriting strategies, and drive long-term profitability.
Try Portfolio Intelligence