Know which municipalities are underpriced
before you write the policy.
PoliceRiskIndex structures 50 jurisdictions and 348+ named officer records into a format directly usable in actuarial models, underwriting workflows, and portfolio risk assessments. Every figure is traceable to a government source document.
Total Tracked Exposure
$2,973,985,583
Concentration Signal
25% → 75%
of officers carry 75% of all exposure
Named Officer Records
348+
across 50 tracked jurisdictions
The underwriting blind spot
Standard municipal liability underwriting relies on aggregate loss history. But aggregate data obscures the concentration pattern that actually drives municipal liability: a small number of officers generate a disproportionate share of settlements — and they remain active. A city's five-year loss run looks manageable until one officer with a documented pattern generates a $15M settlement. PoliceRiskIndex makes that officer visible before the claim.
How Underwriters Use This Data
Quote Screening
Before binding a municipal liability policy, screen the jurisdiction against our settlement database. Identify whether the city's loss history is broadly distributed or concentrated in a small number of officers still on the force.
Actuarial Modeling
Pull officer-level exposure data via API into your actuarial platform. Our structured JSON endpoints deliver settlement amounts, incident types, year ranges, and concentration metrics per officer and per city.
Portfolio Monitoring
Quarterly updates flag new settlements and officer-level changes across all 50 tracked jurisdictions. Set thresholds for automatic alerts when a city's daily accrual rate or concentration metric crosses your risk tolerance.
Leading Indicator Modeling
Settlement data is a lagging indicator. Our platform tracks the leading indicators — complaint accumulation rates, use-of-force incident frequency, and officer-level exposure concentration — that precede large settlements by 18 to 36 months. This gives underwriters a forward-looking view of municipal liability risk that balance sheets alone cannot provide.
Officer-Level Attribution
Aggregate city-level settlement data obscures the concentration pattern that drives municipal liability. As coverage expands, concentration remains extreme: 25% of named officers account for 75% of total settlement exposure across all tracked cities. Officer-level attribution allows underwriters to assess whether a department's risk profile is broadly distributed or dangerously concentrated.
Public Record Foundation
Every data point on this platform originates from an official government source document. Court filings, municipal open data portals, federal consent decree monitor reports, and city budget documents form the foundation of the dataset. This makes the data defensible in compliance reviews and auditable against primary sources.
API Integration
Institutional subscribers receive REST API access with JSON and CSV endpoints, enabling direct integration into existing actuarial platforms and underwriting workflows. Quarterly data updates are pushed automatically. Custom data delivery formats are available for enterprise subscribers with specific integration requirements.
What Institutional Access Includes
Frequently Asked Questions
What data is available to institutional subscribers?
Institutional subscribers receive access to the full named officer database (348+ records), individual officer risk scores, complaint-to-settlement linkage data, year-over-year trend analysis per officer and per city, and quarterly data updates. API access is available for integration into actuarial modeling platforms.
How is the data sourced and verified?
All data is sourced from official public records: federal court dockets (PACER), municipal open data portals, city budget documents, and federal consent decree monitor reports. No editorial judgment is applied. Every record is traceable to a specific government source document.
What format is the data delivered in?
Data is available via REST API (JSON), bulk CSV export, and structured Excel workbooks. API documentation is provided upon institutional access approval. Custom data delivery formats are available for enterprise subscribers.
Is this data admissible for underwriting decisions?
PoliceRiskIndex data is provided for analytical and informational purposes. All figures originate from official public records. Subscribers are responsible for independently verifying data against primary source documents before making underwriting or actuarial decisions. We recommend consulting your compliance team regarding admissibility in your specific jurisdiction.
How often is the data updated?
Institutional subscribers receive quarterly data updates pushed automatically. Major settlements (>$1M) are added within 30 days of public record availability. The dataset currently covers 2007–2026 with active monitoring of all 50 tracked jurisdictions.
Request Institutional Access
Tell us who you are and we will follow up within 48 hours for verification.