Pre-mover signals at the address level, delivered weekly. Underwriting-grade property identity, full lifecycle context, Snowflake-native delivery. Built for Canadian P&C insurance teams.
From the moment a property is listed, the household has weeks before they need new coverage at the new address. That gap is the entire retention conversation.
Canadian P&C insurers lose policyholders during moves more reliably than during any other life event. The mechanics are simple: a household lists their home, prepares to move, and reassesses every recurring household relationship — insurance among the first. The carrier that reaches them inside the 4 to 12 week listing window keeps the policy. The carrier that finds out from a cancellation request has already lost it.
Pre-mover data exists to close that gap. A weekly file of households entering the move cycle, matched against the in-force book on address, surfaces every at-risk policy before the customer starts shopping. The intervention runs through the carrier's normal retention motion — a renewal call, a moving quote, a transfer offer — but it runs weeks earlier than it would without the signal.
For underwriting and retention use, insurance workflows need property identity, lifecycle context, and joinability to the policy book — not just a mover flag. The BrightCat PreMovers shape is built for this:
BrightCat PreMovers delivers as a continuously-maintained property dataset. Inside the insurer's Snowflake environment, the data joins to the policy book on address. Inside the rating model, it feeds risk and exposure flags. Inside the retention workflow, it surfaces audiences on demand. The data foundation sits in the warehouse, available to every downstream workflow rather than packaged for one.
For insurance teams whose decisioning sits in a Snowflake warehouse, the property-level shape is what makes the data foundational rather than tactical. Every downstream use case — underwriting, retention, portfolio monitoring, claim validation — runs on the same dataset.
Snowflake-native delivery, documented privacy posture, enterprise licensing, and named procurement contacts.
Canadian insurance buyers run procurement, privacy, and security review on every vendor before signing a data contract. BrightCat is built around that workflow:
Pre-mover is one product. Insurance teams also use the underlying pipeline for investor exposure, renovation detection, and claim validation.
Get sample data in your Snowflake account or as a flat file. Evaluate against your in-force book before committing.