Fraud gets paid. Without proof.
Better underwriting. Continuous monitoring. Fraud-proof claims. One platform.
Key Capabilities
Behavioral Risk Scoring at Underwriting
87% accuracy. Price risk right from the start — even thin-file profiles. 200+ data sources analyzed in under 150ms.
Continuous Risk Monitoring
Monitor $150M in assets in real time. Detect behavioral anomalies, geofencing violations, and high-risk patterns that predict claims before they happen.
Dynamic Repricing Signals
Risk shifts. Premiums should too. Zarv Signal triggers repricing based on observed behavior, not renewal cycles.
Claims Intelligence & Fraud Detection
Investigate claims 34x faster. Cross-reference 15+ data sources, detect fraud patterns, generate court-ready reports — all AI-powered.
Proven results.
Avg. loss ratio improvement
First 12 months post-implementation
Behavioral scoring accuracy
Compared to bureau-only models
Fraud prevention rate
Claims processed with Zarv Lens
Faster claims investigation
Compared to manual processes
How Insurance Works with Zarv
Underwriting
Zarv IDBehavioral risk scoring at quote generation
Price risk accurately from day one. Reduce adverse selection by up to 31%.
Policy Lifecycle
Zarv SignalContinuous monitoring of insured assets & driver behavior
Detect risk changes in real time. Trigger repricing or cancel high-risk policies mid-term.
Claims Processing
Zarv LensAI-powered fraud investigation & evidence generation
Deny fraud with hard evidence. Reduce claims leakage by up to 41%.
Who trusts Zarv.
"Zarv helped us reduce loss ratio by 19% in year one. The behavioral scoring caught risks our traditional models completely missed."
Common Questions from Insurance Teams
How does Zarv ID improve on traditional credit bureau scoring?
Credit bureaus provide static, backward-looking data. Zarv ID analyzes 200+ behavioral signals in real time — mobility patterns, network effects, cross-reference verification. Especially powerful for thin-file profiles where credit history is limited.
Can Zarv Signal really trigger mid-term repricing?
Yes. When persistent behavioral anomalies are detected — frequent speeding, late-night driving in high-risk zones, geofencing violations — Signal generates documented, audit-ready alerts that underwriters can use to justify mid-term adjustments.
What happens if Zarv Lens finds evidence of fraud after we've already paid a claim?
Zarv Lens is designed for pre-payment investigation. If fraud is detected post-payment, the evidence — location discrepancies, tampered odometer, collision physics analysis — is court-ready and usable for recovery proceedings.
How fast can we integrate Zarv into our existing underwriting system?
Most insurers integrate Zarv ID into their quote engine within 2 weeks via REST API. Signal requires vehicle ID mapping (3-4 weeks). Lens deploys as a standalone tool or integrates into your claims workflow.
What does 'behavioral risk scoring' actually measure?
Mobility patterns, time-of-day behavior, geographic risk zones, network relationships via graph analysis, device behavior, and cross-verified identity markers. These signals predict claim probability better than static credit data alone.
See risk before it costs you.
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