Verisk ClaimSearch

Verisk ClaimSearch is the cross-carrier claims database that US property/casualty insurers contribute to and query against to detect duplicate claims, prior losses, staged-accident rings, and subrogation opportunities. It is the same product that was historically marketed as ISO ClaimSearch — ISO being Insurance Services Office, which became a wholly-owned subsidiary of Verisk Analytics in October 2009.

Market footprint. Per Verisk's own materials, ClaimSearch holds 1.8 billion+ US claims, receives ~175,000 new claim submissions daily, and is fed by 1,850+ contributors including the top 100 US P&C insurers — capturing roughly 95% of carrier claims data. As of June 2012, the database had passed 804 million claims and was cited as serving 93% of the US insurance industry. The current figure has roughly doubled since then.

Where it sits in the stack. ClaimSearch is the shared-data substrate beneath a carrier's own fraud-detection and claims-handling stack. A new FNOL is matched against the database within seconds; hits surface prior losses, cross-carrier duplicates, vehicle theft records (inherited from the NICB auto-theft system folded into ClaimSearch), image matches on prior property loss photos, and subrogation leads when a third party's insurance information is already on file. Scoring models — whether Verisk's own or third parties like Shift Technology, FRISS, or Quantexa — consume ClaimSearch signals as features.

Parent-company position. ClaimSearch is one of three Verisk insurance pillars alongside Xactware (property estimating standard, acquired 2006) and Extreme Event Solutions (catastrophe modelling, acquired 2002 as AIR Worldwide, rebranded 2022). All three are incumbent-era products that predate AI-native disruption: Xactware anchors the estimate, Extreme Event Solutions anchors the cat model, ClaimSearch anchors the cross-carrier fraud-and-subrogation data layer. Verisk's strategic posture is to remain the shared-data utility beneath whichever AI-native vendors carriers adopt on top.

Analyst recognition. Celent named Verisk a Luminary in its 2022 Insurance Fraud Detection Solutions reports (both P&C and Life), citing ClaimSearch's 1.5 billion claims at the time and the breadth of integrations across Verisk's anti-fraud stack. Celent's 2024 edition placed Shift Technology and Quantexa as Luminaries in the P&C fraud-detection solution ranking; Verisk's 2024 placement is not disclosed in publicly indexed materials reviewed here.

Partner ecosystem shift. Since 2023, Verisk has opened ClaimSearch as a platform rather than a walled garden, with FRISS as the first integrated fraud-detection partner and subsequent tie-ins including Pilotbird (social-media investigative reports, April 2026). The strategic read is that Verisk is trading some product-layer monopoly on fraud scoring for durability of the data layer itself — carriers can pick their AI-native scoring vendor, as long as ClaimSearch remains the source of truth for what has already been claimed across the industry.

What it does not do. ClaimSearch is not an end-to-end AI-native fraud platform. It does not adjudicate claims, does not issue automated denials, and does not replace the SIU workflow. It is a contributory data utility with scoring and matching layers on top; the decisioning sits with the carrier or a specialist vendor.