# Octagram > Predictive data and analytics for commercial P&C insurance carriers and MGAs ## At a glance | Field | Value | | --- | --- | | Category | Data & Analytics | | Type | Solutions Provider | | Region | NA | | Headquarters | Chicago, Illinois, USA | | Founded | 2022 | | Stage | Startup | | Employees | 1-10 | | Funding | Bootstrapped | ## Overview Octagram Analytics is a data and analytics firm focused on the property and casualty insurance industry. The company serves commercial P&C carriers and MGAs, helping them improve underwriting decisions, refine pricing models, and grow profitably. Its offerings span fire and crash risk models, bespoke predictive pricing engagements, and algorithmic fairness consulting for AI-driven insurance applications. The company delivers proprietary data products and consulting services built on large-scale datasets -- including over 1.5 million fire reports and 10 million crash records -- combined with external vendor data and a block-level U.S. demographic and risk data asset called Map360. Engagements focus on measurable business outcomes: identifying high-risk accounts, uncovering profitable growth segments, and embedding pricing strategy within underwriting and claims workflows. Founded in April 2022 by Jessica Leong -- former President of the Casualty Actuarial Society and former head of data and analytics at Zurich North America -- Octagram operates as a bootstrapped startup. The firm targets carriers writing commercial property, businessowners policy (BOP), homeowners, and personal auto lines. It announced a strategic alliance with ORCAA in June 2023 to deliver model fairness and bias compliance services under the INFER brand. ## Products & services ### FireRQ A predictive fire risk model built on 1.5 million reported fires sourced from 82% of U.S. fire departments, covering more than 10 years of historical data. FireRQ identifies the highest-risk 20% of locations responsible for 52-76% of fire events, supporting carrier underwriting and attritional loss reduction decisions. **Key features:** - 1\.5M\+ fire records from 82% of U\.S\. fire departments - Identifies top 20% highest\-risk locations - Covers 10\+ years of historical fire data - Companion resource: "Little Book of Fires" *Target users:* Commercial property and homeowners carriers ### CrashRQ A geographical auto rating tool built on over 10 million crash reports. CrashRQ provides location-based risk assessment for carriers seeking to refine territorial rating factors for personal auto insurance pricing. **Key features:** - 10M\+ crash records - Geographic segmentation for auto rating - Supports territorial pricing refinement *Target users:* Personal auto carriers ### PriceAdvantage A bespoke predictive pricing consulting service for insurance carriers and MGAs. Engagements follow five integrated steps: experience analysis using decision trees, insight generation using Map360 and InsurTech360 data, model development targeting growth and high-risk segments, strategy implementation with underwriting and claims teams, and ongoing performance monitoring. **Key features:** - Five\-stage methodology from experience analysis through performance monitoring - Integrates proprietary Map360 and external InsurTech360 data - Identifies profitable growth segments and high\-risk accounts - Collaborative implementation with underwriting and claims teams *Target users:* Commercial P&C carriers and MGAs ### PriceAdvantage Framework Tools and training that enable insurers to build and manage predictive pricing models in-house. Designed for carriers and MGAs that want to develop internal analytics capabilities rather than relying on ongoing consulting engagements. **Key features:** - Internal model\-building tools - Training for in\-house analytics teams - Supports independence from ongoing external consulting *Target users:* Carriers and MGAs building internal analytics capacity ### INFER \(Insurance Fairness Explainability Review\) A consulting service and pilot software platform helping P&C insurers address model bias and regulatory compliance for AI and advanced analytics applications. Delivered in partnership with ORCAA via a strategic alliance announced in June 2023. **Key features:** - Governance gap analysis and algorithmic bias training - Explainable fairness analysis using BISFG \(Bayesian Improved Firstname Surname Geocoding\) - Privacy\-preserving double\-firewall software architecture - Custom monitoring dashboards and bias mitigation guidance - Model fairness compliance for state regulatory requirements *Target users:* P&C carriers using AI/ML in underwriting, pricing, or claims ### Map360 A proprietary U.S. data asset combining population, demographic, business, and insurable event data at a 250-square-meter block level across the country. Used in PriceAdvantage engagements and available as a standalone data product. **Key features:** - 250 sq\. meter block\-level resolution across the entire U\.S\. - Combines population, demographic, business, and insurable event data - Used in bespoke pricing engagements and as standalone data product *Target users:* Commercial P&C carriers and MGAs needing granular risk data ## Category & focus - Subcategories: Predictive Analytics, Risk Scoring, Actuarial Tools, Compliance & Regulatory - Insurance verticals: P&C Personal, P&C Commercial - Target customers: Carriers, MGAs/MGUs ## Notable customers - Customer names not publicly disclosed ## Links - Website: - Directory profile: - Blog: - Youtube: - Linkedin: --- *Last updated: 2026\-06\-04*