phidea
Stack layer

Data platform

Risk-signal enrichment, pre-bind data, carrier-facing APIs and bureaus.

10
Tools on this layer
6
AI-native
4
Modern SaaS
0
Legacy

Vendors by generation

AI-native (6)

  • Cambridge Mobile Telematics

    Smartphone and IoT telematics platform that measures driver behavior, reconstructs crashes, and feeds real-time risk scoring into auto insurance underwriting and claims workflows.

  • Concirrus

    London-based AI-native specialty insurance analytics platform. Flagship product Quest aggregates behavioural data, IoT signals, and market models for commercial marine and motor fleet underwriters, with a 2025 expansion into submission automation for Lloyd's and specialty carriers across aviation, property, casualty, and construction.

  • CyberCube

    AI-native cyber risk analytics and catastrophe modelling platform for (re)insurers, brokers and ILS investors. Portfolio Manager is the de-facto third-party model behind the majority of cyber cat bonds; solutions used by 75% of the top 40 U.S. and European cyber insurers by GWP.

    Parent: Spectrum Equity (cornerstone investor, 2025); Forgepoint Capital, Hudson Structured Capital Management, MTech Capital (existing)
  • NeuralMetrics

    AI-native commercial-insurance data platform for US P&C underwriting. From a business name and address, NeuralMetrics returns NAICS/SIC classification, business attributes and risk signals drawn from unstructured public web data, delivered via API into rater, policy-admin and underwriter workbench systems.

  • Planck

    AI-native data platform for commercial insurance underwriting. From a business name and address, Planck generates risk-relevant signals drawn from online images, text, public records, and reviews. Acquired by Applied Systems in a $300M deal.

    Parent: Applied Systems
  • Windward

    Israeli-founded, London AIM-listed (WNWD) maritime AI platform. Windward's Maritime AI analyses AIS vessel tracks, behavioural patterns, and ownership networks to power sanctions screening, marine insurance underwriting, trade finance compliance, and critical infrastructure protection for insurers, banks, commodity traders, and government agencies.

Modern SaaS (4)

  • Arity

    Allstate-owned mobility data platform that collects and monetizes billions of miles of driving behavior, selling telematics-based scoring and targeting to auto insurers, automotive OEMs, and retail networks.

  • Athenium Analytics

    Weather-first risk and quality analytics platform for US insurance carriers. Built by the 2018 merger of Weather Analytics (atmospheric data science, founded 2012) and Athenium Inc. (insurance QA software, founded 1997); headquartered in Dover, New Hampshire; majority-owned by Hale Capital Partners since November 2024. Reports 60+ carrier customers and 60,000+ seats across its teamthink / GaugeQuality audit suite and its weather, hurricane, and IRIS aerial-imagery products.

    Parent: Hale Capital Partners
  • CoreLogic

    Property data and hazard-risk platform that powers underwriting, claims workflow, and catastrophe modeling for US P&C carriers.

  • LexisNexis Risk Solutions

    Data and analytics platform serving 99% of US personal auto and home insurers with loss history, prior policy verification, motor vehicle records, and underwriting intelligence across auto, home, commercial, and life lines.

Legacy

No tools on this generation yet.

Carriers named on this layer

Every carrier publicly cited by any vendor on the Data platform layer. Appearance here means the carrier is named in at least one fiche on this layer with a source.

  • 23 of top 25 global insurance companies
  • 99% of US personal auto and home insurers
  • AIG — Attune
  • American Family
  • Arch Insurance International
  • Berkley One
  • Chubb
  • Codan Marine
  • CSAA
  • Discovery Insure
  • Gard P&I Club
  • Generali
  • Great American Insurance Group — Republic Indemnity
  • Guy Carpenter
  • Hannover Re
  • Howden
  • Intact
  • Liberty Mutual
  • MAPFRE RE
  • Munich Re
  • Mutual of Enumclaw
  • National General
  • Nationwide
  • Nationwide Insurance
  • Progressive
  • Root
  • SCOR
  • Sompo
  • State Farm
  • Stillwater Insurance Group
  • Tokio Marine HCC
  • Top 25 property insurers
  • Top 25 US life and commercial auto insurers
  • TransRe
  • Travelers
  • USAA
  • Verus Underwriting Managers
  • W.R. Berkley Corporation

About this layer

Phidea classifies every tool into one of 16 canonical US insurance stack layers, chosen by the tool’s centre of gravity rather than its newest feature. This page is the single URL for everything on the data platformlayer — the vendors, the carriers that use them, and the news that’s moved the category recently. Generation classification (legacy, modern saas, ai-native) is defined on the methodology page.

Last built 2026-04-23.