Risk Intelligence

Stop Pitching to Captive Agents.
Get Verified Insurance ICPs.

Standard "Insurance" lists are 90% local State Farm agents with no buying power. Our AI agents verify carrier appointments, AMS usage, and license types to find verified MGAs, Wholesale Brokers, and Insurtechs.

The "Agent" Data Trap

Why NAICS 524210 is a minefield.

There are 400,000 insurance agents in the US. Most are "Captive," meaning they can't buy your software without corporate approval.

You need to filter out the franchise franchisees and find the Independent Agencies and Carriers who own their tech stack.

  • Captive Agents (State Farm, Allstate)
  • Solo Life Insurance Salespeople
  • Retired Brokers
Metric Standard "Ins" List Our ICP Database
Classification Keyword: "Insurance" Carrier vs. Agency vs. MGA
Authority Unknown Independent vs. Captive
Tech Stack None Applied, Vertafore, Guidewire
Lines Generic P&C vs. Life/Health vs. Commercial

20 High-Value Insurance ICPs

Target risk companies by their distribution model.

Independent Agencies (Large)

Multi-location brokers. Own their book. Targets for CRM, AMS, and marketing automation.

MGAs / MGUs

Managing General Agents. Underwriting authority. Targets for rating engines and policy admin systems.

Wholesale Brokers

Intermediaries for hard-to-place risks. Targets for surplus lines tax software.

Insurtech Startups

Digital-first carriers/brokers. Targets for APIs, data enrichment, and cloud infra.

Commercial Trucking Insurance

High premium niche. Targets for telematics integration and safety monitoring.

Homeowners Carriers

Property insurers. Targets for aerial imagery data and claims software.

Health Insurance TPAs

Third Party Administrators. Processing claims. Targets for payment networks and fraud detection.

Cyber Liability Specialists

Growing sector. Targets for security scanning tools and risk modeling.

Title Insurance Companies

Real estate closings. Targets for wire fraud protection and notary platforms.

Marine Insurance

Cargo and hull. Targets for global tracking data and weather risk API.

Workers Comp Carriers

Employee safety. Targets for nurse triage lines and safety training LMS.

Crop Insurance Agencies

Ag risk. Targets for satellite yield data and weather stations.

Pet Insurance Brands

Consumer subscription. Targets for vet record integration and claims automation.

Aviation Insurance

Aircraft coverage. Targets for hangar data and pilot record checks.

Actuarial Consulting Firms

Risk math experts. Targets for big data sets and modeling software.

Surety Bond Producers

Construction bonds. Targets for financial analysis tools and e-signature.

Claims Adjusting Firms

Independent adjusters. Targets for mobile field apps and estimating software (Xactimate).

Reinsurance Brokers

Insuring insurers. Targets for catastrophe modeling and capital markets data.

High Net Worth (Personal Lines)

Family office insurance. Targets for appraisal services and concierge security.

Travel Insurance

Trip protection. Targets for flight data APIs and medical evacuation networks.

Anatomy of a High-Value Insurance Lead

In Insurance, the Agency Management System (AMS) is the database of record. An agency using Applied Epic or Vertafore is a serious operation. One using paper files is not.

We extract these "System Signals" to help you size the book of business.

Tech Fingerprints

  • AMS: Detection of Applied Epic, AMS360, EZLynx, or HawkSoft.
  • Rater: Usage of PL Rating, EZLynx, or Turborater.
  • CRM: AgencyZoom or Better Agency integration.

Authority Signals

  • Carriers: "Representing Travelers, Hartford, Chubb" (Indicates Independent).
  • Lines: Specific landing pages for "Cyber," "D&O," or "Medical Malpractice."
  • Portal: "Client Login" link to a CSR24 or similar portal.

Outreach Strategy: The "Cross-Sell" Play

If you sell marketing automation, filter for agencies using Vertafore but no active email tool.
Pitch: "Automate your renewal reminders by syncing Vertafore with our email engine..."

Verification: The "Appointment" Check

We validate agencies by their carrier mix.

  • Logo Wall: Do they display logos of 10+ carriers? (Independent)
  • State Licenses: Do they list licenses in multiple states? (Growth)
  • Team: Do they have a dedicated "Commercial Lines Manager"?

This ensures you pitch to decision makers with a book of business, not captive agents with no authority.

Underwrite Your Growth

Get the data that powers the modern insurance distribution channel.