Data can tell you when a policy renews. Properly managed data can tell you individual buying patterns, market trends, and competitor weakness.
What the augments add: the mod improved and payroll held flat, but the carrier's LCM filing went up. The rate moved, not the risk.
One record per insured, not one per policy per state.
By combining high quality data with other high quality data, and meticulous management practices.
Most states are "competitive rate" states, and carriers are required to submit their LCM filings, which determine the policy rate for a given carrier. We track this at the state level, providing visibility into rate trends at the carrier, industry and business levels.
PEO plans account for approximately 8% of overall active WC policies. Xdate takes it a step further by identifying the provider, for a better understanding of the competition.
Anyone can get data. Managing it is what makes it valuable. Name normalizations of underwriting companies and agencies, carrier groupings and industry code cross referencing are a couple ways we make it better.
You don't know if something is good or bad without having some sort of comparison. Historical rate filings, year over year premium and payroll changes at the prospect level. These are just a couple ways Xdate surfaces relevant buying signals.
Anyone can sell you records. The work is in making them comparable. Normalized carriers, consolidated locations, and change calculated year over year, so a search returns prospects, not rows.
Renewal date is table stakes. The reason a prospect takes your call is usually sitting in the augments: a rate increase they didn't cause, a carrier that just changed appetite, a mod that improved while premium went the other way.
| Year | Underwriting co. | LCM | Change |
|---|---|---|---|
| 2026 | Liberty Mutual Ins Co | 1.182 | ↑ 3.6% |
| 2025 | Liberty Mutual Ins Co | 1.141 | ↑ 1.2% |
| 2024 | Liberty Mutual Ins Co | 1.127 | ↓ 0.9% |
| 2023 | Liberty Mutual Ins Co | 1.137 | - |
Every data set runs on the same platform, with the same search and the same production tools.
The same WC file, with the PEO provider named: over 200,000 plans you can actually target.
Group health and retirement filings, with broker of record, compensation, premiums and plan assets.
Form 990 financials: insurance as a line-item expense, revenue sources, assets, officers and contractors.
Inspections and violations, plus commercial auto exposure: units, drivers, mileage, cargo and crashes.
Start free and see what's renewing in your territory this quarter.