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Cover Whale — The complete machine-readable commercial-lines insurance placement funnel, which is a pricing-and-underwriting dataset rather than a policy database. The documented API surface enumerates exactly what is captured per deal: an Indication request, a Quote request, a Submission with its full transaction history (every quote, counter-quote and status transition), a Bind event that converts a quoted submission into a bound policy, a policy-lifecycle record, and a public reply thread on the submission. Layered on that: the underwriting outcome per submission (bound / declined / lapsed…
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The complete machine-readable commercial-lines insurance placement funnel, which is a pricing-and-underwriting dataset rather than a policy database. The documented API surface enumerates exactly what is captured per deal: an Indication request, a Quote request, a Submission with its full transaction history (every quote, counter-quote and status transition), a Bind event that converts a quoted submission into a bound policy, a policy-lifecycle record, and a public reply thread on the submission. Layered on that: the underwriting outcome per submission (bound / declined / lapsed / counter-offered), the premium, limits and class of business, the time-to-quote and time-to-bind latency per carrier, and - the scarcest asset - the free-text broker-to-underwriter negotiation corpus in those reply threads. This is commercial insurance price discovery plus decline reasons, a market where almost no pricing data is published.
From 6 yearsCoverage FinancialsAsset class Equities
Sample, licence terms, pricing and eval results when Cover Whale publishes them. Until then, discover alternatives today with a 7-day trial.
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Cover Whale — The complete machine-readable commercial-lines insurance placement funnel, which is a pricing-and-underwriting dataset rather than a policy database. The documented API surface enumerates exactly what is captured per deal: an Indication request, a Quote request, a Submission with its full transaction history (every quote, counter-quote and status transition), a Bind event that converts a quoted submission into a bound policy, a policy-lifecycle record, and a public reply thread on the submission. Layered on that: the underwriting outcome per submission (bound / declined / lapsed…
Cover Whale offers (Alternative, Fundamental, Sentiment) — Est. 10^5-10^6 documented submissions and binds with full transaction lineage, and est. 10^6-10^7 lifecycle webhook events across indication/quote/status/bind transitions; the reply-thread corpus is a subset at est. 10^5-10^6 negotiation message turns (not every submission negotiates in writing).
Commercial insurance pricing and rating models (the hardest data to obtain anywhere); win-rate and quote-to-bind conversion benchmarks by class, territory and broker; underwriter appetite mapping (which carriers bind which risks and at what price); decline-reason and risk-rejection classifiers; RLHF / preference-pair training from negotiation threads (contested term - accepted concession); LLM agent training for insurance placement workflows; insurtech copilot fine-tuning on real submission payloads; and macro risk-cost indices for sectors priced through this market.
The data is with 6 years of history.
Coverage spans US, UK; Property & Casualty Insurance; alternative, fundamental, sentiment; equities.
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