Pinpoint Predictive

Pinpoint Predictive, Inc. (also branded Pinpoint.ai) is a San Mateo, California-based risk assessment platform for property and casualty (P&C) insurance carriers. Using only a name and address as inputs, the company produces loss predictions and risk scores intended to be available earlier in the customer journey than traditional carrier models, and applies them across marketing, underwriting, ratemaking and claims workflows.

Product lines include marketing intelligence models that predict profitability, response and conversion before campaign spend; underwriting models that combine actuarial methods with AI; ratemaking support for filed and non-admitted pricing and IRPM selection; and claims models that flag attorney involvement and litigation risk, fraud, large losses and cause of loss. A "Discovery" offering lets carriers build custom binary classifiers for two-outcome events such as churn, premium leakage or program adoption without dedicated data science resources. The company also provides an ROI calculator for projecting loss ratio improvement and a workbook validation template for reviewing lift charts and financial impact.

Published case studies cover national auto and home carriers with books ranging from roughly 80,000 to about 714,577 policies, citing loss ratio reductions of 3 to 7 points across use cases including customer acquisition, claims severity, claims frequency, non-weather water losses and book roll.

Founding story

Avi Tuschman is listed as Founder and Chief Investment/Innovation Officer (Founder & CIO) on the company team page; Scott Ham serves as CEO.

Business model

Pinpoint sells predictive scores and models to insurance carriers as a platform/data offering, positioned around measurable loss ratio improvement; the site markets discovery calls, an ROI calculator and validation tooling to support carrier evaluation and purchase decisions.

Sources describe the product as a platform delivering predictions and scores to carriers; specific pricing or contract terms are not stated.

Traction

Company case studies report loss ratio improvements of 3 to 7 points for national auto and home carriers, and press materials cite client loss ratio improvements of 3 to 10 points. One litigation model trained on 130,000 claimants identified an additional 6% of claimants likely to seek attorney representation. Coverage of the Series A noted employee headcount growth of 38% over the prior two years based on LinkedIn data, and named carriers using the platform.

Latest developments

Recent announcements include the appointment of Tony J. Winter as Chief Technology Officer (April 2025), a partnership with Trexis Insurance to apply early loss predictions to payment plan decisions, selection as a finalist for the Digital Insurance Awards Americas in InsurTech Innovation, and expansion of rating model approvals to nine states with Ohio and Georgia approvals announced in February 2026.