Roofing
$450,000
Roofing company
Exclusive · perpetual · full operating record
Your submissions and claim notes show how risk really gets judged.
An insurance file is a chain of judgment calls: what the underwriter asked for, why a carrier declined, what changed at renewal, why a claim was reserved the way it was. Teams building insurance AI can find forms anywhere. The reasoning written around them is far harder to find. We show an anonymized summary of your record to several buyers at the same time, and the license you choose is the one that goes ahead.
Small commission on close. Nothing up front.
Usually held in
- Applied Epic
- Vertafore AMS360
- HawkSoft
- EZLynx
- Guidewire (PolicyCenter, ClaimCenter)
- Duck Creek
- Salesforce
- Outlook (Microsoft 365)
- SharePoint / OneDrive
- Microsoft Teams
What buyers pay for in insurance.
Buyers value records that show a decision and what came of it more than they value finished paperwork. These are the parts of your record they look for.
Submissions and the decisions on them
Applications, schedules and loss runs, the questions that came back, and the quote, decline or bind that followed. The written reason for a decision is the part buyers can't get elsewhere.
Marketing, quoting and renewals
How a risk was shopped to several carriers, the comparison sent to the client, what renewed as written and what had to be remarketed, and why.
Policy servicing
Endorsements, certificate requests, audits and cancellations. High-volume back-office work with a clear right answer, which is exactly what agent builders test against.
Claim files with adjuster notes
First notice of loss, coverage questions, reserve changes, subrogation letters and how each claim closed. Property and commercial claims are the simpler part; injury files are handled separately.
Carrier and client correspondence
The email threads where an account manager chases information, explains a coverage gap or negotiates terms, tied to the account and policy they belong to.
Systems that hold it and what to watch for.
This is where the record usually lives. Where we've written a data guide for a system, its card links to it, with steps to find out how much you have.
- Applied EpicInsurance agency managementRead the data guide
- Vertafore AMS360Insurance agency management
- HawkSoftInsurance agency management
- EZLynxInsurance agency management
- Guidewire (PolicyCenter, ClaimCenter)Policy administration and claimsBodily-injury and workers' comp claim files hold medical details and need special handling before any review.
- Duck CreekPolicy administration and claims
- SalesforceCRM and job managementSalesforce keeps standard field history (the log of who changed which field and when) for only 18 to 24 months unless you pay for Field Audit Trail, so older change history may already be gone.Read the data guide
- Outlook (Microsoft 365)EmailRead the data guide
- SharePoint / OneDriveFiles and documents
- Microsoft TeamsTeam chatMicrosoft Teams meeting recordings and transcripts expire after 120 days by default and then move to the recycle bin, so older recordings may already be gone unless your admin changed the setting.
Who buys it and what they do with it.
We describe buyers by category and don't publish their names. Each one is qualified and under NDA before seeing your summary, and when they bid you see every offer side by side, with exclusivity, term and payment next to the price.
Underwriting and submission-intake AI
Teams building tools that read a submission, pull out exposures and draft a quote or a list of questions. They need real submissions paired with what the underwriter decided.
Claims-handling software
Products that triage first notice of loss, suggest reserves or summarize a file for the adjuster. Claim notes with the eventual outcome attached are their training ground.
Agency and broker automation
Companies automating renewals, certificates, endorsements and carrier email for brokers. The servicing queue of a working agency shows them what the job really involves.
AI labs building agents for regulated work
Labs and evaluation builders that want long, rule-bound tasks with a checkable answer. Insurance work, where every step answers to a policy form or a guideline, fits that well.
What a package looks like to a buyer.
Before anyone signs, a buyer sees a summary shaped like this one. It is built from rounded ranges: no name, no website, no people, no addresses.
The numbers in this example are made up. Yours come from your intake and the review call, and you read the summary before any buyer does.
See the full processExample package · Insurance
Illustrative- Sector
- Independent property and casualty agency
- Region
- Midwest US
- History
- 9+ years, continuous
- Record
- ~20K policies and renewals, ~5K submissions with carrier responses, ~800K emails
- Mix
- ~80% commercial lines, ~20% personal lines
- In scope
- Submissions, quotes and renewals, servicing requests, property claim notes
- Left out
- Insured and claimant identifiers, medical details, fraud and litigation files
What stays out by default.
Some records aren't yours to license, and some shouldn't leave the building. Intake and the review call bring these up early. The main ones for this industry are below.
Policyholder and claimant identifiers
Names, addresses, policy and claim numbers, driver's license numbers and VINs are removed before delivery under the license. State insurance privacy laws, most modeled on the NAIC's Model Regulation #672 and some on its older Model Act #670, and the Gramm-Leach-Bliley Act (15 U.S.C. 6801–6809) limit how consumer information can be shared.
Medical details in claim files
Bodily-injury and workers' comp files hold treatment and health details. NAIC Model Regulation #672 covers health information held by insurers in many states, and health plans are also covered by HIPAA (45 CFR Parts 160 and 164). These details are excluded by default.
Fraud investigation and litigation files
Special investigation unit files and claim files under litigation, a hold or attorney-client privilege stay out of scope.
Carrier-confidential material
Underwriting guidelines, rating manuals and other material a carrier shares under an agency or program agreement may be confidential to that carrier. We read those agreements on the review call and leave out what you can't relicense.
This is not legal advice. Whether a record can be licensed depends on your contracts, your software terms and how it was collected, and your counsel should review any license before you sign. The rules named on this page are linked under Sources.
Licenses in our network closed by buyers, not by us.
Recent licenses of operating records, closed by buyers in our network. They come from trades and services businesses rather than this industry, so read them as a sense of the market and nothing more.
Construction
$300,000
General contractor
Exclusive · 24-month term · full operating record
Solar
$275,000
Solar company
Exclusive · 18-month term · full operating record
Marketing
$110,000
Agency with global clients
Exclusive · 24-month term · full operating record
Licenses closed by buyers in our network, shown to describe the market. They are not deals thedata.broker brokered and not a forecast of what your record will bring. Every record is priced on its own.
Insurance questions worth settling early.
More in Answers, or ask us on a call after your intake.
It can be. Taking a submission, shopping it to carriers, binding, servicing and renewing is a complete workflow with a result you can check at each step, and that is what these buyers look for. Carrier-side underwriting and claims files make a different package with different buyers, and both are welcome.
It adds work. Personal-lines records are full of consumer financial details protected by state insurance privacy laws (many based on NAIC Model Regulation #672) and the Gramm-Leach-Bliley Act (15 U.S.C. 6801–6809), so they need heavier de-identification and some may stay out. Commercial-lines records are usually simpler to license. Intake asks which regulated data you hold, and the review call goes through the rest. This is not legal advice.
Property and commercial claim workflows often can, once claimant and policy identifiers are removed: the notes, the reserve history, the coverage questions and how the file closed. Injury and workers' comp files carry medical details and are excluded by default. Fraud investigation and litigation files stay out. This is not legal advice.
Buyers first see an anonymized summary, without your name, website, carriers or clients. You can rule out named competitors and specific uses before bidding opens, and carrier and client names can be required to come out before delivery under the license. Whether an agency agreement requires you to tell a carrier is a question for your counsel. This is not legal advice.
We are paid a small commission out of a deal that closes. If nothing closes, you owe nothing. You keep ownership of your records and keep using them.
Sources
Primary sources for the rules this page names. Summaries above are not legal advice.
- NAIC Model Act #670: Insurance Information and Privacy Protection Model Act (opens in a new tab)
- NAIC Model Regulation #672: Privacy of Consumer Financial and Health Information Regulation (opens in a new tab)
- NAIC state page for Model #672: where states have adopted Model #672 (opens in a new tab)
- NAIC state page for Model #670: where states have adopted Model #670 (opens in a new tab)
- Gramm-Leach-Bliley Act, 15 U.S.C. 6801–6809 (opens in a new tab)
- 45 CFR Part 160: HIPAA general provisions (opens in a new tab)
- 45 CFR Part 164: HIPAA security and privacy (opens in a new tab)
Not quite your business?
See every industry we take on, the business functions buyers ask for, and which records need special handling.