Geography
Risk Index
Reads where risk actually concentrates, weighted against the traffic passing through, so a dangerous corridor separates from a crowded one.
Rank locations by risk
[ Industries • Insurance ]
Reduce risk and optimize pricing with real-world intelligence
Two drivers with identical behavior scores do not carry identical risk. Empiric Earth enables insurers to help improve driver safety while embedding intelligence across pricing, underwriting, and claims workflows.
[ Insurance use cases ]
How we help insurers innovate
01Territorial rating
Refining territorial rating with observed road risk instead of postcode proxies
02Book concentration
Seeing where a book is concentrated on corridors that are genuinely dangerous rather than merely busy
03Comparison
Comparing geographies on a consistent basis, for pricing or for benchmarking
04Fleet quoting
Assessing the operating geography of a commercial fleet you are quoting
05Claims evidence
Pulling the real events behind a location when a claim or a pattern needs explaining
06Reinsurance
Bringing evidence to a reinsurance conversation rather than a model output
[ Insurance solutions ]Bringing new insights to
Bringing new insights to
underwriting and claims
There is a difference between a risk score your actuaries have to accept and one they can inspect.
Evidence
Atlas
Shows the events behind the risk, so a location on a map opens into the real footage that made it score that way.
See the events behind itPrediction
BADAS 2.0
Scores collision risk in an event as it develops, so exposure can be read from the near misses as well as from the claims.
Read exposure from near misses[ The fleet insurance lifecycle ]
Risk visibility, intervention, and evidence from the same platform
One record of observed driving, read at three points in the policy lifecycle: before the decision, during the period, and after an incident.
01.
Before a policy decision
Review a fleet’s observed driving behavior, risk patterns, and safety program with more context than a loss record alone provides.
02.
During the policy period
Support fleets with real-time alerts, driver risk scoring, and coaching that address risky behavior before it becomes an incident.
03.
When an incident occurs
Use available video and event context to review, support First Notice of Loss workflows, and help exonerate a driver when the evidence supports it.
[ Fleet insurance solutions ]Fleet safety products
Fleet safety products
that work together.
Empiric Earth complements insurer-led fleet safety, risk-management, and claims programs. Underwriting, pricing, coverage, and claim decisions remain with the insurer.
Predict
Predictive Fusion™ Collision Alerts
Help drivers respond when road, vehicle, and driver risk combine into a serious situation.
Predictive Fusion™ Collision AlertsCoach
VERA Score® and coaching
Help fleets understand driver risk and focus coaching on the people and behaviors that need attention.
VERA Score® and coachingResolve
Incident Intelligence & Exoneration
Bring event video and driving context together for incident review and claims support.
Incident Intelligence & Exoneration
[ Independence ]
We do not write insurance. We are not competing for your book, and we are not on the other side of your pricing decision.
[ Contact ]
Ask about a geography
Tell us where your book is concentrated and we can tell you about its real-world risk.
[ Enquiry ]
We reply within one business day.