Insurance

Insurance traditionally responds after damage occurs. With Autohost, you can prevent claims before they happen:

• Proactive Risk Identification: Identify high-risk guests before they check in, preventing property damage and unauthorized use.

• Party Prevention: Flag bookings that show indicators of potential unauthorized gatherings, a leading cause of significant property damage.

• Fraud Detection: Identify sophisticated fraud attempts by analyzing browser fingerprints, IP addresses, and behavioral patterns.

• Repeat Offender Screening: Leverage our network effect from 28.7M+ verification events to identify guests previously associated with property damage.

From Reactive to Proactive: While traditional insurance responds after damage occurs, integrated verification stops problems before they start, fundamentally improving your risk profile.

Improve your underwriting performance with verification that fundamentally changes your risk profile:

• Decreased Claims Frequency: Reduce the number of claims by preventing high-risk bookings from accessing properties in the first place.

• Reduced Claims Severity: Lower the average cost per claim by identifying and preventing the highest-risk scenarios that lead to catastrophic damage.

• Data-Driven Risk Assessment: Enhance your underwriting models with verification data that provides deeper insights into property usage patterns.

• Continuous Improvement: Benefit from our AI that continuously learns from new claims patterns, adapting to emerging risks.

Proven Results: Insurance providers using Autohost verification typically see a 35% improvement in loss ratios and an 80% reduction in property damage claims, delivering significant impact to bottom-line performance.

Differentiate your insurance offering with integrated verification that attracts property managers:

• Complete Protection: Offer a combined insurance and verification solution that provides both preventative and reactive protection.

• Premium Discounts: Provide reduced premiums for properties that implement verification, creating a compelling value proposition.

• Operational Benefits: Highlight how verification not only reduces claims but also streamlines operations and enhances guest experience.

• Competitive Advantage: Stand out from traditional insurers by offering proactive risk management that others simply can’t match.

Beyond Insurance: By offering verification alongside coverage, you position your company as a complete risk management partner rather than just an insurance provider.

Offer your policyholders verification capabilities that prevent the most common causes of claims:

• ID Verification: Verify 2,500+ document types from 140+ countries with biometric matching and optional liveness detection.

• Background Screening: Check guests against criminal databases, global watchlists, and sex offender registries to identify potential risks.

• Behavioral Analysis: Detect suspicious patterns in booking behavior that often indicate potential for property damage or unauthorized use.

• Security Deposit Automation: Implement automated damage protection with payment validation, security deposit holds, or revenue-generating damage waivers.

Tailored Protection: Our verification can be customized based on property type, location, and value, ensuring appropriate protection for everything from budget rentals to luxury estates.

Integrate verification into your insurance offering with flexible options that match your business model:

• Platform Integration: Embed verification directly into your insurance platform with our SDK, creating a seamless experience for policyholders.

• White-Label Portal: Offer a branded verification portal that policyholders can access to screen guests and protect their properties.

• API Integration: Connect your backend systems to our verification engine, automating risk assessment and policy adjustments.

• Bundled Offering: Package verification with insurance coverage, creating comprehensive protection that differentiates your products.

Flexible Implementation: Whether you want to fully integrate verification or offer it as a complementary service, our flexible architecture supports your preferred approach.

Enhance your underwriting with verification data that provides deeper insights into risk:

• Risk Scoring: Access detailed risk assessments for each booking, with transparent scoring that explains specific risk factors.

• Property Usage Insights: Gain visibility into how properties are being used, identifying patterns that may indicate increased risk.

• Compliance Verification: Confirm that policyholders are following required screening procedures, potentially affecting coverage terms.

• Claims Correlation: Analyze the relationship between verification results and subsequent claims, continuously refining your risk models.

Beyond Gut Feeling: Replace subjective risk assessment with data-driven verification that provides consistent, objective insights into potential claims before they occur.