An innovative approach I have taken to assess a client’s risk profile is predictive insurance scoring with the help of artificial intelligence and machine learning technology. This process involves looking at and evaluating tons of data and condensing the findings into a single insurance score to paint a clearer picture of a client’s risk profile. This data includes collision risks (how likely a client is to get into an accident), geographical factors (such as severe weather occurrences that could lead to a claim being filed), financial factors (how likely a client is to make payments on time), and more. With so many data points to consider, the real innovation lies in the introduction of AI and ML models into the risk assessment process. Using new methodology afforded by this technology helps decipher large quantities of data and deliver accurate probabilities through linear regression modeling data analysis.