Marvin™ technology pulls business, property, and people data from hundreds of sources, classifies the account, and lays out the case for and against it.
Every element below maps to a decision you already make — we just put the evidence in front of you, sourced and ready to defend.
Examples are drawn from a real Marvin™ snapshot of New Horizons Baking Co., a commercial bakery supplying national QSR brands.
Get the class right on the first pass, because the class code is the first thing that prices the account and decides whether it is even in appetite.
NAICS · SIC · WC · GL
Marvin™ resolves the industry code from a business name and address alone, then carries it down to the workers' comp and general liability classes that drive your rate. No questionnaire, no guesswork about what the business actually does. The class that sets your premium is settled before the file lands on your desk.
Know how hard to lean
A code with no confidence is a coin flip. Marvin™ attaches a score to each classification so you know which accounts can flow straight through and which deserve a second look. High confidence clears the routine work off your plate. Anything soft gets surfaced, not buried.
Open the account already knowing the firmographics that set your exposure basis, with every supporting source pulled and translated into a signal you can use.
The full picture that sets rating, eligibility & exposure
Every firmographic that feeds rating, eligibility, and exposure basis, assembled and source-tagged in one view. Instead of stitching a picture together across a dozen tabs, the named insured, its scale, its footprint, and the people behind it are all in front of you before the first call.
Public filings translated into underwriting signal
Marvin™ does not just confirm a business exists. It pulls the government filings and registries an underwriter would otherwise chase by hand, and tells you what each one means for your decision. Here is what it reads on every account, and the exposure each source speaks to.
Safety citations, penalties, and repeat or serious violations. Your clearest read on workers' comp loss exposure and safety culture. Repeat lockout/tagout findings, like the ones on this account, signal chronic hazard and future claims, and they justify a harder WC price.
The annual benefit-plan filing. It shows how many employees are actually on the plan, a hard cross-check against stated headcount and payroll exposure, plus how the plan is funded and when it renews. Essential for group benefits, and a quiet tell on true company size.
Liens lenders file against business assets. They reveal secured debt, equipment financing, and how leveraged the company is. A spike in filings can flag financial stress or encumbered collateral, which matters for credit-sensitive lines, surety, and overall financial condition.
The federal motor-carrier record: DOT authority, fleet size, inspections, and crash history. A bakery distributing its own product carries auto exposure, and this is where you price it. Unverified authority means unknown fleet risk riding on the policy.
Treasury sanctions and watchlist screening. A hit is not a pricing question, it is a hard stop: binding a sanctioned entity is a regulatory violation. This is the compliance gate that clears an account to be written at all.
Confirms the entity is real, active, and in good standing, with its registration date and structure. It guarantees the policy attaches to a valid named insured. A lapsed or inactive status is an immediate flag on exactly who you are covering.
Verifies the insured locations, owned versus leased, and building characteristics. This is the foundation of property and BOP exposure: total insured value, COPE data, and whether the address being rated actually exists and operates.
Continuous news scanning for litigation, breaches, recalls, and leadership trouble. It surfaces emerging risk before it reaches structured filings. The active class-action data-breach matter on this account came from exactly this kind of signal.
Domain age and email authentication, SPF, DKIM, and DMARC. A 26-year-old domain with clean records reads as an established, lower-fraud operator, while weak configuration is an early cyber-hygiene warning.
Read the account the way a senior underwriter would brief you, with the handful of signals that actually move the price pulled to the top.
The 15-second brief, with the detail one click away
A plain-language read of the account: what the business does, where exposure concentrates, and what is pulling the risk up or down. It is the brief a colleague would give you over the desk, written so you can absorb it in seconds and then drill into any line of it when you need to defend the number. For New Horizons, that story is an established operator of real scale, marked down by a six-figure safety citation and an open data-breach matter.
Attention on what changes the price
Marvin™ pulls the two or three signals that actually move the decision to the front, so you are not reading every record hunting for the one that matters. Financial distress, safety enforcement, ownership changes, and new exposures rise to the top on their own.
A decision you can put your name on
Three readings tell you how to treat the account: how risky it looks, how sure Marvin™ is, and how well the conclusion holds up under scrutiny. When a referral, a reinsurer, or a regulator asks why, the reasoning is already on the page.
Weigh both sides as evidence, then price up, price down, or decline with a reason already attached to the file.
A balanced case, not a black-box score
Marvin™ shows the account from both sides so the judgment stays yours. The strengths that support writing it sit next to the cautions that argue for a tighter price or a decline, each one tied back to a source. You are never asked to trust a number you cannot explain.
Trajectory a static snapshot can't show
Every material event in order: formation, name changes, ownership consolidations, and enforcement actions. A long stable history that turns turbulent with a recent six-figure citation tells you something a single snapshot never could. You see whether the account is steadying or sliding, and you price the direction, not just the moment.
Close the open items before you bind, then let Marvin™ keep watch so renewal starts with what changed, not a blank page.
Nothing material slips between quote and bind
The questions Marvin™ could not close on its own become a clean pre-bind checklist. Some items route back to Marvin for another pass; others are flagged for your judgment, like reconciling headcount across plants or confirming carrier authority. The loose ends are listed, not left to memory.
Walk into renewal already knowing
After bind, Marvin™ keeps watching. A new citation, an ownership shift, a new facility, or fresh adverse media is tracked automatically and packaged into a renewal update before your next cycle. You re-rate what changed instead of re-underwriting the whole account from scratch.