Insurance
Reduce underwriting data costs and improve risk decisions
Checkr gives carriers a smarter data waterfall—from pre-screen through full verification—so you can screen more applicants, surface more risk, and reduce per-policy data spend across auto, property, and life lines.
Per-transaction data pricing is the constraint holding your funnel back
Most data providers charge per quote, so your team pays the same to screen an applicant who never converts as one who binds a policy. That model forces underwriting and risk leaders to ration data pulls to control spend. Meanwhile, fragmented tools leave claims and fraud teams with blind spots and no unified view of the applicant.
Checkr consolidates criminal, identity, and driver risk data into a single API: broader coverage, fewer gaps, and a lower cost per policy.
Why leading insurers choose Checkr
Checkr powers millions of verifications every month, using comprehensive criminal, driving, and identity data alongside proprietary fraud signals. This intelligence helps insurers price risk more accurately and make faster underwriting and claims decisions.
Checkr's Know Your Applicant data stack for insurance underwriters
Checkr combines criminal records, watchlists, identity verification, driving records, and proprietary fraud signals in one platform, built to support compliance with regulatory standards.
Driver's license status check
Confirm license validity in real time before committing to costlier motor vehicle record (MVR) pulls.
National criminal database
Surface prior convictions tied to fraud, theft, and financial crimes from more than 650 million public records across courts, corrections, and more. About 20% broader coverage than other providers.
Motor vehicle records
Access driving violations, accidents, suspensions, and revocations. Reduce MVR spend by pulling full MVRs only when earlier signals warrant it.
Identity checks
Match submitted identity information to more than 9 billion verified records to confirm legitimacy, catch synthetic or fake identities, and prevent fraud.
Global watchlists
Screen individuals against FBI, OFAC, Interpol, and other US and international watchlists to maintain compliance and flag high-risk actors.
Biometric and document verification
Prevent impersonation, deepfakes, and identity spoofing at scale by adding selfie-to-ID verification with a 99% detection rate and near-zero false positives.
API
Real-time risk intelligence, built into your workflows
Checkr integrates with your platform via API to deliver real-time insights on criminal history, driving records, identity, and watchlist data. With results returned in real-time, you can screen applicants in quoting workflows without slowing conversion. Build custom flows that match your risk thresholds and layer data by cost.
Dashboard
Assess applicant risk in minutes with no integration required
Order identity, driving record, and criminal checks from one simple interface to support faster underwriting decisions.
Ready to optimize your underwriting and claims?
Get a live walkthrough to see how Checkr helps you reduce fraud and loss, support compliance, and protect your book.