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Helping Claims Pros Pinpoint Risk Exposure

Understand your agency network’s highest potential risk exposure and premium coverage levels to optimize resources and pricing to reduce loss and boost profitability.

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Know Which Jurisdiction is Costing You the Most

Discover the jurisdiction costing your insurance business the most including those exceeding anticipated coverage levels. See how a state is impacting the book of business to take the right measures to address potential drivers.

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See Average Claim Costs to Refine Pricing

Track average claim cost by accident year to predict the future impact of claims on the book of business. Use these insights to refine pricing for current and future customers.

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Predict Claims Maturity and Reserve Impact

Cloverleaf gives carriers insights into claims that are 75%-99% of the deductible amount. Insurers can preview what may impact their layer next as claims mature. This helps carriers that are under-reserving that assume paids will increase past the current Incurred level. High reserves with lower paids could mature rapidly, especially if the Claimant goes to trial or if any injuries are involved as one would see paid bills surge along with a potential reserve increase.

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Plan Growth by Analyzing Accident Year Data

Examine which years have the most risk exposure through a unified view of all costs including with the carrier level broken out. This enables carriers to determine if they are willing to increase risk to grow their business, or if they should focus on the policies already in place.

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Claims Hub Boosts Insurer Profitability

Our Claims Insights Hub empowers insurers with actionable insights to drive business growth and enhance customer satisfaction by allowing you to inspect what you expect from your business!

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Cloverleaf Empowers P&C Insurers to Derive Continuous Value From Insurance Data

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Predict & Prevent

Cloverleaf enables insurers to proactively evaluate and prevent risks, including detecting insurance fraud that impacts profitability. Using GenBI, ML, and analytics we empower insurers to address potential threats before they escalate.

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Inspect what you Expect

Cloverleaf provides a real-time comprehensive view of all business operations including KPI monitoring to interactive dashboards so carriers can holistically evaluate the performance of their business and MGA partners.

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Capitalize on the Future

Cloverleaf helps executives visualize the right data needed to improve strategy and decision-making with simple text or voice prompts. Non-technical executives can gain valuable business insights in seconds.

Say Hello to Insurance Intelligence

What the industry says about Cloverleaf

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Karlyn Carnahan

Celent

“Insurers use a wide variety of solutions in their application architecture and are looking for solutions that can easily integrate. Those that are open, vendor-agnostic platforms allow for easier integration, orchestration of data and processes, and simplify the process of unifying and understanding insurance data sources to fuel greater business growth and customer satisfaction.”

Douglals Benalan, CIO, Cure Auto

Douglas Benalan, CURE

Chief Information Officer

“Cloverleaf’s powerful capabilities will enable us to build off of our already strong technology platform, and take our growth potential to new heights,” Douglas Benalan, chief information officer, CURE. “Having greater intelligence regarding our insurance data, business operations, and customer relationships, we will have the valuable information needed to make the smartest decisions and capitalize on new product opportunities, pricing and other competitive considerations. This will position our business for sustainable long-term growth.”

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Werner Kruck, AAIS

President & CEO

“Our partnership with Cloverleaf is a critical element to the ongoing evolution of our organization. We are confident that Cloverleaf is the right insurance data analytics leader to help our Members improve their business strategy, decision-making, and overall operations for the benefit of the insured.”

Taylor Mobley

Taylor Mobley, Bamboo Insurance

Chief Revenue Officer

“Bamboo was founded with a vision to leverage the best technology to attain peak internal operational efficiency in parallel to consistently developing new mechanisms to drive down coverage costs. The combination of Cloverleaf and Guidewire means our employees and agents will have access to insurance insights within seconds that could save our customers money and position our company for greater profitability.”

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Robert Zerafa, Transverse

Chief Operating Officer

"You can’t manage what you can’t see,” said Robert Zerafa, COO for Transverse. “It seems simple to say, but to compete and to continue adding unique value to our customers in the best way we possibly can, we needed access to more information. The Cloverleaf implementation will give us insights into opportunities within our existing book of business, help steer us away from unnecessary exposures, deliver cost savings through recommendations for operational efficiencies, and provide direction for development of new products which may be advantageous to our current and potential customers.”

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Matt Sigman, Bamboo Insurance

Chief Information and Innovation Officer

“Insurers require a holistic understanding of their insurance data to drive the highest levels of efficiency. Cloverleaf brings innovation in their platform with AI, BI, ML, NLP, and other technologies that will enable us to uncover fresh approaches to serve our insureds and agents.”

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Michael Payne, AAIS

Chief Pricing Actuary & VP Actuarial Services

“By leveraging Cloverleaf for our data and actuarial services, AAIS will be able to process and validate insurance data more efficiently. Cloverleaf will also enable AAIS to effectively share insights back to our Members to better reduce risk for themselves and their insureds through reliable insurance data. Any reduction in risk will, in turn, help expand the availability of affordable insurance across the country.”

Dean Kozlowski, UAIC

Vice President of Product & Compliance

“Cloverleaf is the solution that we needed to integrate data from all internal systems as well as third party sources and structure it in a way to make it immediately consumable and actionable by internal users,” Dean Kozlowski, Vice President of Product and Compliance, UAIC. “Beyond improving our rate making, Cloverleaf will deliver a complete view of the business providing insights across systems which will enable the design of new and innovative products and processes. As a niche carrier, we see it as a competitive advantage to use data more intelligently and completely than our competition as we make adjustments to existing products to deliver more value and an improved experience to customers. Additionally, we are confident that we will be able to leverage these insights into our overall business operations to lower costs and improve profitability.”

Zachary Gustafson

Zachary Gustafson, Guidewire

General Manager, Claims & InsuranceNow

"Cloverleaf is helping carriers and MGAs enhance their InsuranceNow implementations with intelligence about insurance data that is not readily found in the industry," said Zachary Gustafson, General Manager, Claims & InsuranceNow, Guidewire. "We are pleased to hear about Lititz's decision to leverage Cloverleaf alongside Guidewire, which demonstrates the value of our combined solutions.”

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Brian Suzuki, Bamboo Insurance

Chief Insurance Officer

“Leveraging Cloverleaf and Guidewire is creating a more intelligent future for our business. Having strategic access to GenAI within the Cloverleaf Insurance Intelligence platform, including 220+ out-of-the-box insurance resources and 950+ insurance KPIs, will make a tremendous impact on the speed and quality of decisions that fuel our growth, along with bolstering operations such as claims management and insurance underwriting.”

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More About the Markets Cloverleaf Serves

P&C

P&C Insurance Analytics

Vendor-Agnostic Analytics Platform Powered GenBI, ML, and NLP

The Cloverleaf Insurance Intelligence platform enhances P&C insurer performance with in-depth real-time insights to support greater growth, better customer experiences, and risk mitigation. Cloverleaf can be used with Pyramid Analytics, Microsoft PowerBI, and Qlik.

Workers' Comp

Analytics for Workers Compensation

Self-Service Analytics About Workers’ Comp Claims Loss and Exposure

Cloverleaf Analytics transforms how Workers’ Compensation Bureaus manage relationships with their insurance carrier members by establishing a unified platform that utilizes internal and external data. This enables bureaus to serve as trusted data providers of actuarially-based information, research, loss costs, and essential educational services to support healthy Workers’ Compensation systems. Members can use Cloverleaf’s GenAI-powered Speech Insights tool that provides key information in seconds to non-technical users.


Read the full press release about PCRB selecting Cloverleaf.

Stay tuned for more exciting news from PCRB and Cloverleaf soon!

Open Insurance Data

Cloverleaf Analytics Joins openIDL to Advance Insurance Data Standardization

Cloverleaf Analytics, a pioneer in advanced insurance data analytics, has joined the Linux Foundation’s openIDL initiative to help drive the future of open-source insurance data standardization and sharing. By contributing our proprietary data model to the newly formed open Insurance Data Specifications (openIDS) Working Group, Cloverleaf is helping to build open, non-proprietary standards that promote interoperability, transparency, and efficiency across the insurance ecosystem.


Cloverleaf’s participation was highlighted in this April 2025 announcement:
 
For deeper insights into the openIDL mission and the openIDS framework, explore the latest whitepapers:
 
 

The Latest from Cloverleaf

In the News

AAIS Selects Cloverleaf Analytics to Enhance Insurance Member Data Services

Insurers will benefit from augmented data and actuarial services from AAIS by leveraging Cloverleaf Austin, Texas — March ...
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Events

Insurance Innovators USA – May 19-20, 2025

Register for the event here - https://insurance-innovators.com/events/usa/tickets/
Get the details

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