Powerful, not overpowering. Find the accounts your carriers want, learn the risk before you dial, and keep production moving without a second system.
Knowledge is power, and questions are the key to unlocking it. Insurance Xdate delivers the most comprehensive and industry relevant targeting criteria available to find the businesses that meet your carriers' appetite. To do this we leverage the actual WC data: premium, incumbent agency, carrier groups, LCM filings, even exp mod ratings.
| Criteria | Value |
|---|---|
| X-date | Oct 1 – Dec 31 |
| Premium | $25,000 – $150,000 |
| Premium change | Increased 10%+ |
| Exp mod | Under 1.00 |
| Carrier group | Excluding 3 appointed |
| Class | Contractors: 12 codes |
Result: 214 accounts, sorted by renewal date.
We can all agree that knowing a prospect's mod or premium is great. Same as knowing a carrier's rate filing. But how do you use it in a sales capacity? We track and store this data historically, calculating the % change, so you can deliver a message tailored to the prospect's current situation.
The message writes itself: your mod improved, your payroll held, and your premium still went up 14%. That was the carrier's rate filing.
Our class and carrier market reports provide high level insights for meaningful, factual conversations. Which carriers are winning, which are losing, and who is top of market. Are rates trending up or down, and is it consistent across all market players. When you can explain why you want to work with a prospect, credibility comes naturally.
| Carrier group | Share | Trend |
|---|---|---|
| Travelers | 18.4% | ↑ 2.1 |
| Liberty Mutual | 14.1% | ↓ 0.8 |
| Hartford | 11.7% | ↑ 0.4 |
| State Fund | 9.2% | ↓ 3.3 |
TalkPoint provides a way for our agents to change the prospect's perception. Applying peer comparisons for the prospect's specific class of business within similar employment cohorts, we have created simple benchmarks for premium, rate and overall market competitiveness that can be shared with the prospect.
Shareable: your loss experience beats 71% of your peers, but you're paying more than 82% of them.
We already have the class and the filed rate. Enter payroll, pick the markets you appoint, and get a quick premium estimate on the company you're looking at. Fast enough to know whether your markets can compete before you spend the afternoon on a full quote.
| Market | Est. premium | vs. incumbent |
|---|---|---|
| AmTrust | $46,100 | 12% under |
| Travelers | $48,200 | 8% under |
| Hartford | $51,800 | 1% under |
| Incumbent | $52,400 | - |
Light weight productivity features to cut out redundancy, keep producers organized and teams coordinated, much of which has come at the request of our clients. Team notes and account groupings? Done. Use a VOIP? How about click to call phone numbers. Work calendar? Of course, let's integrate it. Using HubSpot or Salesforce? Create or update that prospect you're quoting with one click.
| Time | Account | Stage |
|---|---|---|
| 9:00 | Apex Plumbing | Quoting |
| 11:30 | Ridgeline Industrial | Appointment |
| 2:00 | Midline Freight | Loss runs out |
| 4:00 | Harborview Trust | Follow up |
Loss runs tend to be underrated from a sales perspective, but make no mistake. Ordering from the insured is no different than telling the incumbent agent to bring their "A" game to the renewal. So we made it easier to order direct from the carrier, who's much less likely to relay to the agent. Best of all, it's prefilled. Just needs the insured's sign off and you can take care of the rest, keeping your competition asleep at the wheel.
One click emails the release to the insured. Their signature is the only thing missing.
Map based for prospecting between appointments. Get some on the go. Available for iPhone and Android platforms.
| Business | X-date | Premium |
|---|---|---|
| Delta Fabrication | Nov 1 | $54,200 |
| Coastline Roofing | Dec 1 | $88,900 |
| Bayside Electric | Nov 15 | $31,400 |
| Vector Millwork | Jan 1 | $47,600 |
New locations, state expansions, rate increases and OSHA violations are just a couple data points we can help you keep track of, and take action on, in real-time.
Ridgeline Industrial added a location in NV
Liberty Mutual filed a 3.6% LCM increase in your state
Midline Freight: 3 new OSHA violations, $18,400
Apex Plumbing changed carriers: 41 days to x-date
Ask in plain language and get the research done before the call, or connect your own agent through the MCP server and let it work the platform for you.
Background on the business and coverage recommendations, generated from the profile you're already looking at.
Connect Claude, ChatGPT, Gemini or any MCP client to Xdate. It pulls prospects, builds risk profiles and works your book.
No bundles, no strings, no multi-year contract. Start free and run a real search.