Legal Exposure Management Built for Insurers

Insurance leaders trust Darrow to detect legal risks before they're filed, quantify exposure with precision, and act before losses hit their books.

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Legal Risk Doesn't Wait for Your Data to Catch Up

Legal Exposure Intelligence Across the Insurance Lifecycle

Darrow replaces vague risk labels with quantified exposure data. Every number comes from actual litigation outcomes. Every risk score reflects real exposure patterns. Every estimate is benchmarked against comparable cases - so you can underwrite, reserve, and settle precisely, like never before.

Sharper Risk Evaluation. 
Tighter Loss Ratios.

Get a holistic view of any company's class and mass action risk profile instantly, one that goes beyond financial and loss history to surface what they're actually exposed to today. Darrow identifies exposures that haven't been filed yet but are statistically likely to become claims, with quantified risk scores based on severity and frequency signals.
‍That means better risk selection, sharper pricing on marginal risks, and tighter loss ratios without slowing down your workflow.

Underwriting

Faster Clarity. 
Better Outcomes.

When a claim lands, Darrow has already mapped the exposure based on actual case outcomes: Estimated class size, settlement benchmarks from comparable cases, motion-to-dismiss rates by jurisdiction, case duration distributions, and opposing counsel track records. Every number drawn from actual litigation outcomes, not model predictions.  Plus, you get a proprietary, case-specific evaluation tailored to the claim’s unique features.
Reserve accurately from day one, negotiate from strength, and settle faster at the right number.

Claim 
Management

Earlier Foresight. 
Proactive Adjustments.

Continuously monitor your book against emerging causes of action, identify concentration risk building across lines, and quantify severity using actual case outcomes. See which litigation trends are accelerating before they become losses. Adjust reserve posture, refine underwriting strategy, and rethink renewals with forward visibility - not reactive crisis management.
‍Predictable portfolio performance, stronger capital planning, and competitive advantage through earlier foresight.

Portfolio 
Management