Commercial Insurance · Risk Rating
BOP Risk. Finally Scoreable.
Move beyond firmographics and self-reported data. Access the same viability signals that predict credit default — now applied to BOP risk for the first time.
BOP Underwriting Is Built on Incomplete Data
Firmographics Are a Starting Point, Not the Full Picture
SIC codes and revenue estimates have limits. T2C's firmographic data is a leading source for commercial lending decisions — now available to augment your BOP underwriting.
Identity Resolution Is Undervalued
T2C assigns a Business Identity Match Confidence Score to every entity, resolving fragmented records into a single verified identity.
Loss Signals Are Reactive
Claims history is backward-looking. You need signals that predict loss before it happens.
Traditional Data Providers Don't Have This
T2C's business transaction history database captures payment behavior, financial activity, and operational signals from commercial lending data.
The Most Important Signal Is Missing
The same viability signals that predict credit default also predict BOP loss.
Introducing Commercial Viability Score (CVS)
A proprietary score that brings T2C's proven SMB underwriting analytic — validated in commercial lending — to BOP insurance for the first time.
Powered by data from 100,000+ sources on 42M+ U.S. businesses.
How the Test File Works
Send Your Batch File
Company name, address, city, state, zip. EIN and application date are optional.
T2C Matches and Scores
Match against 42M+ U.S. businesses and append CVS as of each application's origination date.
Review the Analysis
Hit rates, identity confidence, score distributions. If claims data is shared, we estimate impact on loss ratios.
Optional Next Step
No obligation after the pilot. If results show lift, production integration is available via API or data feed.
This Changes the Data Architecture
New Underwriting Signal Layer
CVS slots in between application intake and decision engine — no rip-and-replace required.
Explainable Score Dimensions
Identity, Active, Financial Health, and Management Competency — each dimension is interpretable.
Batch or Real-Time
Start with a batch test file. Production integration available as API or data feed.
What You Receive
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Historical CVS append as of origination date for each application record.
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Hit rate benchmarking vs. industry counts and population coverage.
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Loss vs. score analysis — approvals with loss exceeding premium by CVS band.
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Decline analysis — declined apps where CVS suggests acceptable risk.
You Can't Model What You Can't Observe
Move from blind spots to business-level viability signals in BOP underwriting.
Schedule a 30-Minute Walkthrough
We'll walk you through a live test file analysis with your data.
Get started for free