For Insurance Carriers
SilverScore risk ratings provide continuous, data-driven visibility into facility health across 16 dimensions. Price policies based on what is actually happening, not what happened last year.
The Underwriting Gap
Policies priced off annual surveys and historical claims. By the time you see the data, the risk profile has already changed.
Between renewals, you have no visibility into whether a facility is improving or deteriorating. Surprise loss events should not be surprises.
Without granular operational data, good facilities are overcharged and risky facilities are undercharged. Both hurt your book.
Risk Intelligence
Composite score combining incident patterns, documentation quality, staffing ratios, and regulatory history to predict litigation exposure.
Cross-system analysis of mobility data, medication interactions, staffing levels, and environmental factors to quantify fall probability per facility.
Burnout predicts claims. Track turnover velocity, overtime patterns, and staffing adequacy - the leading indicators of incident rates.
Revenue risk quantified. Predictive modeling shows which facilities face census decline - and the operational patterns that cause it.
Continuous alerts when a facility's risk profile shifts. Know about deterioration weeks before it shows up in claims data.
The complete picture. Clinical, operational, financial, and satisfaction metrics scored, weighted, and benchmarked against industry data.
The Value
When you recommend SilverOcean to policyholders, they get free operational intelligence - system connectivity, SilverScore benchmarking, and basic AI copilot access at no cost. You get continuous risk visibility across your book. Facilities improve their operations, your loss ratios improve, and everyone wins.
Carrier Pricing
Pricing scales with the number of facilities in your book. Volume discounts available for carriers covering 50+ facilities. Each rating includes continuous monitoring and real-time risk trajectory alerts.
See a sample SilverScore risk rating for facilities in your book. We will show you how continuous monitoring changes underwriting from reactive to predictive.