Misclassified entities lead to incorrect premium calculations, wrong policy forms, and compliance violations. BackOffice Scripts uses AI to classify every record consistently — Individual, Joint, Trust, LLC, Corp, and more.
Entity classification is foundational to insurance underwriting. The entity type determines which policy form to use, how premiums are calculated, what coverage limits apply, and which regulatory requirements govern the policy. According to NAIC data quality reports, approximately 23% of policyholder records contain entity classification errors. These errors cascade through the underwriting process — a trust misclassified as an individual might receive the wrong policy form, incorrect premium calculations, and inadequate coverage limits.
23%
Of policyholder records have entity classification errors
NAIC Data Quality Report
9 types
Entity types detected: Individual, Joint, Trust, Estate, LLC, Corp, Partnership, Government, Nonprofit
99%+
Classification consistency with AI vs. 85% with manual review
Pull a CSV from your policy administration system with the name/entity column.
Classify each record into one of 9 entity types with a confidence score.
Focus manual review on records with low confidence scores — typically 5-10% of the batch.
Import the classified data into your underwriting workflow with consistent entity coding.
Individual, Joint, Trust, Estate, LLC, Corporation, Partnership, Government, and Nonprofit. Each classification includes a confidence score.
The classifier uses GPT-4o-mini, which achieves 99%+ consistency on common entity patterns. Edge cases (like 'DBA' names) get lower confidence scores to flag for human review.
Not currently. The 9 categories cover the standard entity types used in insurance and lending. Contact us if you need custom classifications.
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