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Data Ecosystem

The attributes behind
every risk decision.

Over 100 structured attributes across 16 categories — automatically enriched at intake, available to every agent and every review workflow downstream.

Browse Categories Platform Overview →
SOURCES ATTRIBUTES State Registry OSHA / Safety NAICS Industry UCC / Liens OFAC Sanctions Weather Data entity.statusActive industry.naics238160 safety.trir6.2 ↑ sanctions.ofacClear financial.liens0 weather.eventHail 1.75in ARGO SIGNAL READY
How It Works

Enriched at intake.
Available everywhere.

Every submission triggers a parallel enrichment pass across all relevant sources. The result is a clean, typed attribute layer — ready for every agent and reviewer downstream.

01

Submission received

An email, form submission, or new case triggers the pipeline — Argonaut activates the relevant attribute categories automatically.

02

Sources queried in parallel

State registries, OSHA, CPSC, NHTSA, UCC, OFAC, NAICS, and weather all fire simultaneously — results normalized to typed, source-attributed fields.

03

Attributed and versioned

Each field is written with a source label, confidence score, and timestamp — immutably versioned so the record always reflects the freshest data.

04

Available to every agent

Argo AI, fraud scoring, risk assessment, and UW memo generation all draw from the same verified layer — one enrichment pass, no re-fetching.

Attribute Access
Fraud Agent → Clear
entity.status sanctions.ofac litigation.active_suits financial.ucc_liens
Risk Agent → Score: 64
safety.trir industry.naics hazard.flood_zone firmographic.employees
Pricing Agent → $18,400
property.rcv safety.trir loss_history.prior_cnt
The Data Ecosystem

16 attribute categories.
Every stage of the workflow.

Expand any category to see the full attribute list with definitions. On-demand categories fire when triggered by a specific workflow context.

Entity & Business Intelligence
◉
Entity Identity & Registration
Legal name, entity type, formation status, officers, good standing
8 attributes
Legal name
Official registered business name as recorded in state corporate filings
Entity type
Corporation, LLC, partnership, or sole proprietor classification per state registry
Formation date
Date the entity was legally organized or incorporated
Formation state
Jurisdiction where the entity was originally formed or domesticated
Good standing
Whether the entity is current on all state filing requirements, fees, and annual reports
Officers & principals
Named officers, directors, and managing members on record with the state
Registered agent
Designated legal agent for service of process in the formation state
Active / dissolved status
Current operating status per the relevant state registry — active, inactive, administratively dissolved, or revoked
▦
Firmographic Profile
Employee count, revenue band, years in business, credit score, corporate structure
6 attributes
Employee count
Estimated headcount based on verified firmographic data and public employment records
Revenue band
Estimated annual revenue range derived from firmographic and financial signal data
Years in business
Age of the business since formation date or first recorded commercial operation
Business identifier number
Standardized numeric identifier used for credit and firmographic lookup across business data sources
Trade payment score
0–100 score reflecting the entity's payment performance history against trade obligations
Corporate family structure
Parent, subsidiary, and branch relationships within the broader ownership and operational hierarchy
◈
Industry Classification
NAICS, SIC, ISO GL/WC/CA class codes derived from business activity
6 attributes
NAICS code
6-digit North American Industry Classification System code for the primary business activity
SIC code
Legacy 4-digit Standard Industrial Classification code derived from operations description
Class description
Human-readable description of the primary industry segment for the NAICS/SIC assignment
ISO GL class code
ISO commercial general liability classification code mapped from NAICS — the standard GL rating basis
ISO WC class code
Workers compensation classification code for the dominant operations — used in WC premium calculation
ISO CA class code
Commercial auto classification code for fleet and vehicle exposures tied to the business activity
⬡
Safety & Regulatory Record
OSHA inspection history, violation types, injury rates, peer benchmarks, CPSC product recalls
9 attributes
Inspection count
Total number of OSHA inspections on record for the entity across all locations
Violation type
Classification of recorded violations: serious, willful, repeat, or other-than-serious
Total Recordable Incident Rate (TRIR)
OSHA injury and illness rate per 100 full-time employees — the primary WC underwriting signal
DART rate
Days Away, Restricted, or Transferred rate per 100 FTE — measures severity of recorded incidents
Industry benchmark
BLS sector-average TRIR and DART for the entity's NAICS peer group, used for relative comparison
Peer percentile rank
Where the entity's safety record falls relative to its NAICS industry cohort — above or below average
Product recall count
Total CPSC-initiated safety recalls on record for the manufacturer across all product categories and hazard types
Recent recalls (5-year)
Number of CPSC recall campaigns initiated in the trailing 5-year window — the primary product liability underwriting signal
Hazard classification
Primary hazard type driving each recall: fire, laceration, chemical, electrical, or other — used to assess severity of product liability exposure
→
Transportation & Fleet Profile
DOT authority, safety rating, OOS rate, crash history, fleet size, NHTSA vehicle recalls
9 attributesOn-demand
DOT / MC authority status
Active or revoked carrier operating authority from FMCSA — required for any commercial transportation risk
Safety rating
FMCSA classification of the carrier's safety performance: Satisfactory, Conditional, or Unsatisfactory
Out-of-service rate
Percentage of roadside inspections resulting in a vehicle or driver out-of-service order
Crash count
Total recordable crashes — fatal, injury, and tow-away — in the FMCSA 24-month history
Hazmat authority
Whether the carrier holds active authority to transport hazardous materials under DOT regulations
Fleet size
Registered count of power units and active commercial drivers as reported to FMCSA
Vehicle recall campaign count
Total NHTSA safety recall campaigns on record for the vehicle make or manufacturer — sourced from the NHTSA recall database
Recalled components
Vehicle systems and parts subject to active or unresolved recall: brakes, airbags, powertrain, steering, fuel system, or electrical
Safety defect summaries
NHTSA descriptions of defect conditions and associated safety risks for the most recent recall campaigns — used to assess commercial auto exposure
◎
Environmental & Hazard Exposure
EPA violations, Superfund proximity, flood/seismic/wildfire hazard, storm surge, recent event history
12 attributesOn-demand
EPA violation history
Enforcement actions, penalties, and compliance orders from the EPA ECHO database for the entity or its locations
Superfund proximity
Distance from the risk address to the nearest active CERCLA Superfund site — relevant for property and pollution liability
Flood zone designation
FEMA flood zone classification (A, AE, X, and subzones) for the risk address from the FIRM
FIRM panel reference
Flood Insurance Rate Map panel number and effective date covering the specific risk location
SFHA status
Whether the property falls within a Special Flood Hazard Area requiring mandatory flood coverage under federal lending rules
NFIP participation
Whether the municipality where the risk is located participates in the National Flood Insurance Program
Seismic design category
ASCE 7 Seismic Design Category (A–F) for the risk address, derived from USGS seismic design maps — the standard building-code tier for earthquake exposure
Wildfire hazard potential
USDA Forest Service Wildfire Hazard Potential classification (Very Low–Very High) for the risk address
Storm surge exposure
Coastal hurricane storm-surge inundation extent at the risk address — Category 3, high-tide scenario, from NOAA's National Storm Surge Hazard Maps
Recent flood event history
Federally declared flood disasters within 25 miles of the risk address in the trailing 5 years, from FEMA disaster declarations
Recent wildfire event history
Wildland fire perimeters of 100+ acres within 25 miles of the risk address in the trailing 5 years, from NIFC interagency fire perimeter records
Recent seismic event history
Recorded earthquakes of M3.5+ within 50 miles of the risk address in the trailing 10 years, from the USGS earthquake catalog
Financial & Compliance Screening
◇
Financial & Lien Signals
UCC liens, secured creditors, tax liens, financial distress indicators
6 attributes
Active UCC lien count
Number of open UCC-1 financing statements filed against the entity with the secretary of state
Secured creditors
Lenders and institutions with active security interests in the entity's business assets
Collateral pledged
Asset categories — equipment, inventory, receivables — subject to current security agreements
State tax liens
Outstanding tax obligations formally filed against the entity by state revenue agencies
Lien filing date
Date of original filing for each recorded UCC or tax lien — used to assess recency and severity
Financial distress composite
Aggregate signal score derived from lien activity, payment history, and credit indicators — a proxy for financial health prior to financials submission
◼
Sanctions & Compliance Screening
OFAC SDN, consolidated sanctions, beneficial ownership, FinCEN BOI
6 attributes
OFAC SDN match
Hit result against the OFAC Specially Designated Nationals and Blocked Persons list
Consolidated sanctions screening
Cross-check against all U.S. Treasury, OFAC, and applicable international sanctions programs
Principal screening
Sanctions check applied individually to named officers, directors, and beneficial owners
Beneficial ownership (UBO)
Ultimate beneficial owner identity and percentage ownership per FinCEN and Corporate Transparency Act requirements
Shell entity indicators
Structural patterns associated with non-operating or obscured ownership arrangements
FinCEN BOI data
Beneficial Ownership Information as submitted under the Corporate Transparency Act — verified ownership chain
⬟
Litigation & Legal Exposure
Federal court records, bankruptcy, judgments, state civil, active suits
6 attributes
Federal court records
Active and resolved cases in U.S. district courts involving the entity or its principals from PACER
Bankruptcy filings
Chapter 7, 11, and 13 proceedings for the entity or named principals — current and prior 10 years
Court-ordered judgments
Monetary judgments entered against the entity in federal or state proceedings
State civil records
State-level civil suits, consent orders, and restraining orders involving the entity or principals
Prior fraud convictions
Criminal convictions for insurance fraud, financial fraud, or related offenses on record
Active litigation summary
Count and status of open cases where the entity is named as plaintiff or defendant across all jurisdictions
◆
Fraud Intelligence
Fraud ring associations, staged loss patterns, flagged VINs, cross-carrier claim history
6 attributes
Fraud ring associations
Known connections to flagged fraud networks per the NICB shared intelligence database
Staged loss patterns
Behavioral and temporal indicators associated with manufactured or inflated claims
Flagged VINs
Vehicle identification numbers appearing in prior insurance fraud investigations across the industry
Flagged claimant identities
Individuals with documented fraud history in the NICB cross-carrier claimant database
Cross-carrier claim frequency
Claims filed by the same insured, claimant, or address across multiple carriers in the shared network
Industry-shared alert flags
Real-time alerts from the NICB network on active fraud patterns, emerging schemes, and newly flagged identities
Claims Intelligence
◉
Adverse Media & News
News sentiment, regulatory enforcement actions, executive background, reputational signals
6 attributes
News sentiment (24 months)
Positive, negative, or neutral signal derived from web news and trade press over the prior 24 months
Regulatory enforcement actions
Documented agency actions, consent orders, and fines issued by federal and state regulatory bodies
Executive background signals
Prior roles, notable departures, and legal or regulatory history for key leadership personnel
Reputational risk events
Product recalls, labor actions, safety incidents, and public controversies tied to the entity
Financial press coverage
Reported earnings warnings, debt defaults, or liquidity concerns in trade and business media
Public complaint patterns
Volume and nature of consumer complaints filed with BBB, industry regulators, and public review platforms
←
Loss History & Prior Claims
Cross-carrier prior claims by insured, address, and claimant — frequency and severity
6 attributesComing Soon
Prior claims by insured
Cross-carrier claims history for the named insured via ISO ClaimSearch — integration in progress
Prior claims by address
All claims filed at the same physical property address regardless of named insured — via ISO ClaimSearch
Prior claims by claimant
Claims history for individual claimants named in the current loss across all carriers — via ISO ClaimSearch
Loss type distribution
Breakdown of historical claims by peril: fire, water, liability, auto, theft, weather, and other
Claim frequency
Number of claims filed by the insured or at the address over a defined lookback period
Severity history
Average and peak claim payout amounts for the insured entity or risk address over the loss history
◎
Weather & Event Verification
Storm confirmation, hail size, wind speed, event radius at the reported loss location
6 attributesOn-demand
Storm date confirmation
Verified occurrence of a weather event on the reported loss date at the loss location from NOAA records
Hail size at loss address
Reported hail diameter in inches at the specific loss address on the claimed loss date
Peak wind speed
Maximum sustained wind speed recorded at the loss location during the confirmed event
Event geographic radius
Confirmed geographic extent of the storm or weather event — used to assess plausibility of the loss location
Tornado track proximity
Distance from the loss address to the nearest confirmed tornado touchdown on the loss date
Freeze / ice event confirmation
Verified freeze or ice storm conditions on record — supports or contradicts pipe-burst and freeze-related claims
▢
Property & Replacement Cost Data
Square footage, year built, construction type, assessed value, permit history, aerial condition
6 attributesOn-demand
Square footage
Gross building area from county assessor records for the risk or loss address
Year built
Original construction year for the building at risk — key input to replacement cost modeling
Construction type
Material classification: frame, masonry, steel, tilt-up, or mixed construction per assessor records
Assessed value
County-recorded assessed value for the property — used as a cross-check on claimed replacement cost
Building permit history
Recent permits for renovations, additions, or code-required upgrades that affect replacement cost at claim time
Pre-loss aerial condition
Roof and structure condition documented by aerial imagery prior to the reported loss date
↑
Industry Loss Benchmarks
Loss frequency and severity by NAICS, peer percentile, line-of-business breakdown
6 attributes
Loss frequency by NAICS
Average annual claim frequency for the insured's specific 6-digit NAICS industry classification
Loss severity by NAICS
Average claim payout amount for the insured's industry segment — segmented by line of business
Peer percentile rank
How the insured's loss history compares to its NAICS cohort — used to contextualize pricing decisions
Line-of-business breakdown
Benchmark data segmented by GL, commercial auto, WC, property, and other lines for the NAICS group
Year-over-year loss trend
Industry-level trend in loss frequency and severity over the prior 3 years for the insured's segment
Combined ratio context
Industry combined ratio benchmarks for the NAICS group — provides pricing calibration context per line
Broker Workflow Context
◈
Client & Broker Context
Operating status, address verification, document repository, communication history, calendar context
6 attributes
Operating status
Whether the business is actively operating per Google Business profile — a fast sanity check at case creation
Verified physical address
Street address and geocode confirmed and normalized against Google Places data
Business category
Google-classified primary and secondary business type and subcategory for the client entity
Document repository
ACORD forms, loss runs, financials, and proposals accessible from the broker's connected Google Drive
Communication history
Email thread context and outstanding items pulled from connected Gmail — available in Argo AI chat
Calendar & renewal context
Meeting history and upcoming renewal appointments from Google Calendar — pre-populates the Notes Tool after calls
Built In

Every attribute, at the right moment.

Auto-enrichment categories fire on intake. On-demand categories trigger from workflow context. Every downstream agent draws from the same verified layer.

Broker Tools → MGA Tools → Carrier Tools →
Entity & Business Intelligence
6 categories · 44 attributes · Auto on intake
Financial & Compliance Screening
4 categories · 24 attributes · Auto on intake
Claims Intelligence
5 categories · 30 attributes · On-demand at claim
Broker Workflow Context
1 category · 6 attributes · Auto on case create