Underwrite With Real Risk Data.
Risk-tier classification and complete disciplinary history across CA, FL, NY, and TX, plus surety bond-status tracking for California (CSLB). 20,000 API requests per month and webhook alerts on every status change.
The Problem
Contractor surety and liability underwriting is a primary-source business that runs on second-hand data:
- Underwriting submissions arrive without verifiable disciplinary history attached
- Denied or revoked-license submissions look 'clean' to standard lookup tools — the regulatory record is discarded as 'not found'
- Bond status across multi-state contractors lives in dozens of disconnected portals
- Reps and warranties about "clean license history" rarely come with primary-source backing
- When a contractor goes sideways mid-bond, you find out from the claim, not the licensing board
What You Can Do
Triage every submission at intake
A 4-level risk score computed nightly from disciplinary frequency, complaints, license currency, and specialty volatility. Denied and revoked licensees feed the model as the highest-risk population — the records competitors discard. Sort the queue before manual review.
See the warning before you bind
Denied, revoked, and surrendered applicants are the highest-risk population — and the one standard tools return “not found” on. We surface the full record with reason text and history.
Primary-source backing for the file
Every action filed against a contractor — citation, suspension, revocation — with action date, case number, and source board. Denied and revoked licensees are searchable too, so a denied-applicant submission is no longer a blind spot.
Catch a lapsed bond the morning it lapses
Track posted surety bond status — carrier, amount, effective date — for every California contractor on your book. Flagged when it lapses, not when a claim hits.
Get pinged the moment status changes
Subscribe a contractor's license and get a webhook on suspension, revocation, a new disciplinary action, or a risk-tier escalation. Wire it straight into bond monitoring.
What a submission check returns
Three submissions an underwriter actually triages — the clean bind, the elevated-risk file, and the revoked licensee to walk away from.
Recommended Plan
The Insurer plan unlocks the full data surface — risk tier, bond status (CA), complaint history, webhook alerts.
Operate at consumer-report or background-check scale? See Enterprise