Pinpoint Predictive
Pinpoint Predictive is an AI company purpose-built for Property and Casualty insurers, delivering deep-learning-powered loss predictions and risk scores built on behavioral data covering 260+ million US adults, sold via enterprise SaaS contracts and API integration into carrier underwriting, ratemaking, claims, and marketing workflows.
- Company typePrivate
- Founded2014
- HeadquartersSan Mateo, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Pinpoint Predictive does
Pinpoint Predictive is an AI company purpose-built for Property and Casualty insurers, providing deep-learning-powered loss predictions and risk scores that operate on behavioral data covering over 260 million US adults and trillions of data points. Its core product, Pinpoint Loss Predictions, predicts individual customer profitability at the top of the sales funnel before rating or underwriting decisions, enabling carriers to act on risk signals with only a name and address as input. The platform is organized into five modular solutions (Marketing, Underwriting, Ratemaking, Claims, and Discovery) and is delivered via API or batch processing with most deployments completing in under a week.
The technology stack combines actuarial expertise with modern data science, and the underlying models are actuary-built and independently validated to support regulatory rate filings. Specialized products include Loss Cost Models, Claims Severity Predictions, Attorney Representation Propensity scores, and customizable Binary Classifiers for any two-outcome event. Documented outcomes include 3-7 point loss-ratio reductions across auto, home, and small-business carriers, as well as 6% additional attorney-representation claimant identification in claims optimization.
The company operates an enterprise B2B SaaS model, targeting Property and Casualty insurers through direct field sales with consultative discovery calls and quote-based enterprise contracts typically structured as multi-year agreements. Named enterprise customers span national and regional P&C insurers including AMTrust, CSE Insurance Group, Glacier Insurance Group, Metromile, National General, Ohio Mutual, The Philadelphia Contributionship, True Property Insurance, Slide, Trexis Insurance, and Lightspeed Insurance Solutions. Revenue mechanics are subscription-based with usage components tied to model deployment across policy workflows, and the company maintains SOC 2 Type 2 and ISO 27001 compliance certifications.
Pinpoint Predictive firmographics
Firmographics- Name
- Pinpoint Predictive
- Legal name
- Pinpoint Predictive, Inc.
- Website
- https://pinpointpredictive.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pinpoint Predictive is an AI company purpose-built for Property and Casualty insurers, delivering deep-learning-powered loss predictions and risk scores built on behavioral data covering 260+ million US adults, sold via enterprise SaaS contracts and API integration into carrier underwriting, ratemaking, claims, and marketing workflows.
- Ownership category
- akta.pro rank
Pinpoint Predictive industry classification
Industry- Product category
- Insurance Predictive Analytics Software
- NAICS
- Information (51)
- akta.pro primary industry
- Risk Scoring, Fraud & Anomaly Detection (HDAAAHAD)
Keywords
Where Pinpoint Predictive is headquartered
LocationHeadquarters
- HQ city
- San Mateo
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pinpoint Predictive business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Predictive Analytics API/SaaS Platform: Pinpoint Predictive generates revenue through a SaaS/platform model where carriers pay for access to predictive models delivered via API or batch processing. The platform integrates into existing carrier workflows for marketing, underwriting, ratemaking, and claims. Revenue appears to be subscription-based with usage components as models are deployed across policy workflows.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based enterprise pricing |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels7 records
Pinpoint Predictive product offering
Product offeringCore offering
Pinpoint Predictive is an AI company purpose-built for Property and Casualty insurers. It provides deep-learning-powered loss predictions and risk scores built on trillions of behavioral data points covering over 260 million US adults, delivered via API or batch processing. The platform spans marketing, underwriting, ratemaking, claims, and custom model discovery, helping carriers improve loss ratios and pricing accuracy at the top of the sales funnel.
Product overview
Pinpoint Predictive is an AI company purpose-built for Property and Casualty insurers, offering a modular platform with five integrated solution areas: Marketing, Underwriting, Ratemaking, Claims, and Discovery. At the core is Pinpoint Loss Predictions, a deep-learning powered engine that predicts individual customer profitability at the top of the sales funnel using behavioral data on 260+ million US adults. The five modules plug into existing carrier workflows (via API or batch) to address specific use cases: Marketing optimizes acquisition with profitability predictions, Underwriting streamlines risk assessment, Ratemaking enables compliant pricing precision, Claims flags high-impact risks early, and Discovery enables custom Binary Classifiers for any two-outcome event. Supporting tools include an ROI Calculator and Validation Template. The platform combines actuarial expertise with modern data science to improve loss ratios and drive profitable growth.
Differentiator
Problem solved
Functional benefit
Products and services
- Pinpoint Loss Predictions Deep-learning powered core platform that predicts individual customer profitability at the top of the sales funnel for Property and Casualty insurers, prior to rating or underwriting decisions. Built on trillions of behavioral data points covering over 260 million US adults, and currently deployed with home, auto, and small-business insurers.
- Marketing Solutions Marketing intelligence solution that predicts customer profitability, response, and conversion before spend. Enables data-driven campaign optimization, outreach prioritization, and improved marketing ROI by focusing acquisition strategy on high-value leads.
- Underwriting Solutions AI-powered underwriting platform combining actuarial expertise with machine learning to deliver faster, more accurate risk assessment. Compliant, customizable models streamline workflows, reduce risk exposure, and improve profitability without sacrificing precision.
- Ratemaking Solutions AI-driven precision pricing solution that helps carriers set compliant, competitive, and risk-aligned rates for filed and non-admitted pricing. Improves accuracy, streamlines regulatory filings, and supports smarter IRPM selection.
- Claims Solutions Claims optimization platform using AI models to flag high-impact risks early, including attorney involvement, litigation, fraud, large losses, and cause of loss. Shifts claims handling from reactive to proactive strategy to improve outcomes and reduce severity.
- Discovery Solutions Custom predictive model builder using Binary Classifiers that lets carriers design solutions for any two-outcome event such as churn, premium leakage, or program adoption. Enables rapid testing, validation, and deployment of new models across underwriting, claims, and retention workflows.
Quantifiable outcome
- Loss Ratio reduction of 4 points on personal auto (National Auto Carrier, 714,577 policies)
- +9 more outcomes
Companies that use Pinpoint Predictive
Customer profileNamed customers11 records
Segments1 record
Ideal customer profiles1 record
Pinpoint Predictive technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature5 records
Pinpoint Predictive partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Trexis InsurancecorePinpoint Predictive partnered with Trexis Insurance, a non-standard auto insurer in the US, to use predictive loss models for tailoring payment plans for policyholders. The integration enables Trexis to reduce down payments for many customers while increasing premium production and improving customer experience. The deployment involves API-based technology that enhances underwriting and pricing strategies. Covers 14 states.
- Lightspeed Insurance SolutionscoreStrategic partnership to integrate Pinpoint's predictive analytics into Lightspeed's pricing models for property insurance in California. The collaboration aims to enhance underwriting accuracy and operational efficiency by incorporating Pinpoint's machine learning-based loss predictions into Lightspeed's risk assessment processes. Both companies share a vision to leverage advanced technology for improved risk selection and customer-centric insurance solutions.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Pinpoint Predictive competitors and assessment
Company assessmentDirect peers
- Planck: Planck provides AI-driven data and underwriting workflows for commercial P&C insurers using natural language processing on public and proprietary data. Comparable in selling ML-augmented underwriting and risk-scoring products to enterprise carriers.
- Cytora: Cytora builds AI-powered commercial insurance underwriting workflows for carriers. Comparable AI-native insurtech targeting similar enterprise carrier buyers with risk-selection and pricing automation; competes in commercial lines where Pinpoint is also expanding.
- Cape Analytics: Cape Analytics provides AI-driven property intelligence and risk scoring for P&C insurers using geospatial and imagery data. Closely comparable in using alternative data and ML to improve property underwriting and pricing, especially in homeowners and catastrophe-exposed markets.
- Shift Technology: Shift Technology applies AI to P&C insurance claims, fraud detection, and underwriting. Directly comparable AI-native insurtech serving similar enterprise carriers with overlapping use cases in fraud, litigation risk, and claims severity—Pinpoint's claims module competes directly here.
- Zesty.ai: Zesty.ai delivers AI-powered property risk analytics for P&C insurers, including climate, wildfire, and roof-condition scoring. Comparable in deploying ML-driven risk scores to improve loss ratios in personal lines property and specialty insurance.
Broad incumbents
- Verisk Analytics: Verisk is the dominant insurance data, analytics, and underwriting workflow provider for P&C insurers, offering ISO statistical plans, predictive modeling (e.g., ISO ERC), and risk scoring. It serves overlapping buyer personas (carrier underwriting, pricing, claims leaders) at greater scale but with less specialization in deep-learning behavioral models.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions provides insurance-specific data and scoring products (e.g., Attract, C.L.U.E., MotorTrak) used throughout the P&C carrier lifecycle. Competes head-on with Pinpoint's predictive scoring for underwriting, ratemaking, and claims; deeply embedded in carrier workflows.
- Guidewire Software: Guidewire is the dominant core systems platform for P&C insurers (PolicyCenter, ClaimCenter, BillingCenter). It is also a Pinpoint investor and ecosystem partner, and increasingly adds analytics capabilities, making it both a partner and a potential competitor as it expands into predictive modeling.
Emerging players
- Flyreel: Flyreel provides AI-assisted property inspection and underwriting data for P&C insurers using computer vision. Comparable in using ML and alternative data to enrich underwriting risk selection, though more focused on inspection workflows than broad behavioral scoring.
- Roots Automation: Roots Automation applies AI digital workers to insurance operations, including underwriting support and claims triage. Comparable AI-native insurtech serving similar enterprise carrier buyers with predictive automation across underwriting and claims workflows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pinpoint Predictive social profiles
Digital presencePinpoint Predictive compliance and trust
Trust signalCompliance2 records
Pinpoint Predictive financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pinpoint Predictive leadership team
Management profileNumber of profiles
Profiles2 records
Pinpoint Predictive funding detail
Funding detailFunding overview
Funding rounds4 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pinpoint Predictive M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pinpoint Predictive
What does Pinpoint Predictive do?
Pinpoint Predictive is an AI company purpose-built for Property and Casualty insurers. It provides deep-learning-powered loss predictions and risk scores built on trillions of behavioral data points covering over 260 million US adults, delivered via API or batch processing. The platform spans marketing, underwriting, ratemaking, claims, and custom model discovery, helping carriers improve loss ratios and pricing accuracy at the top of the sales funnel.
Is Pinpoint Predictive a public or private company?
Pinpoint Predictive is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pinpoint Predictive founded?
Pinpoint Predictive was founded in 2014. It employs 11 to 50 people.
Where is Pinpoint Predictive based?
Pinpoint Predictive is headquartered in San Mateo, United States, in the North America region.
How does Pinpoint Predictive make money?
One revenue line is on record: predictive Analytics API/SaaS Platform.
Who are Pinpoint Predictive's main competitors?
Direct peers on record are Planck, Cytora, Cape Analytics, Shift Technology and Zesty.ai. Broad incumbents are Verisk Analytics, LexisNexis Risk Solutions and Guidewire Software. Emerging players are Flyreel and Roots Automation.
Does Pinpoint Predictive have an API?
Yes. Pinpoint offers API-based integration enabling seamless deployment with any core system or backend process. Most solutions deploy in under a week via configurable APIs, allowing carriers to integrate predictive scores and insights into existing quoting, underwriting, claims, and marketing workflows with minimal IT disruption. The API supports both real-time and batch processing modes.
What industry is Pinpoint Predictive in?
Pinpoint Predictive's product category is Insurance Predictive Analytics Software. Its primary akta.pro industry code is HDAAAHAD, Risk Scoring, Fraud & Anomaly Detection. Its NAICS code is 51.