Digital Risk Intelligence for Insurance & Reinsurance
Insurance carriers exist to protect policyholders, but opportunists are working to exploit that trust. By manipulating search and creating misleading online content, they push people toward unnecessary claims and litigation. 4WARN® delivers the data and intelligence to help you prevent tech-enabled claims before they escalate.
Challenge
Risk in insurance today goes far beyond accidents or natural catastrophes. Increasingly, it’s being engineered. Opportunists backed by outside funding and digital marketing networks create exposure on multiple fronts. They hijack search results, impersonate executives, manipulate your brand reputation, and flood the web with AI-generated content. These tactics are designed to steer policyholders into disputes, complaints, or lawsuits.
The result is more frequent claims, reputational harm, and flawed risk assumptions that drive greater losses over time.
The Coordinated Ecosystem Behind Manufactured Risk
Video Resource
Get Clear Answers to The Biggest Questions About Third-Party Litigation Funding (TPLF)
This video explores how TPLF is accelerating and how digital targeting is changing the way risk emerges across insurance, transportation, and other industries. Recorded at the NICB Conference, Todd Kozikowski discusses why prevention and early awareness matter.
How 4WARN Helps
4WARN works as a partner to your team, delivering clear intelligence without ever touching your internal systems or sensitive data. Our surveillance operates entirely in the public digital ecosystem, so there’s no software to install, no integrations to manage, and no IT burden.
4WARN Network Topolistics®
Maps how funders, law firms, and marketing vendors connect, exposing the entire claims ecosystem
Ongoing Surveillance
Tracks opportunist PPC spend, geographic targeting, and online campaign activity
SIU & Claims Intelligence
Provides opportunist profiles, keyword capture, and intake analysis to disrupt the pipeline before it generates fraudulent claims
Executive & Reinsurance Reporting
Delivers defensible metrics that strengthen negotiations
The Impact
Proven Results in the Insurance Market
Why It Matters
Fraud isn’t the starting point anymore. Digital manipulation is. By the time a claim is filed, the damage is already done. 4WARN delivers intelligence that helps insurance carriers intervene earlier, identifying the tactics, exposing the opportunists, and helping prevent false claims.
"PCH Mutual has seen a 40% draft in it's 4WARN Risk Score in just four months. We also had a 50% decrease in keywords that were used by opportunists targeting us and our company."
Julie Bordo
CEO, PCH Mutual Insurance Co.
"Since working with 4WARN, LCPIC has already seen a 1% reduction in litigated claims - translating to an estimated $8.8 million in savings in 3 months."
Richard Newberry
CEO, Louisiana Citizens Property Insurance Corporation
The threat that 4WARN has unearthed has never been presented at the state or national level until now. Every carrier should understand 4WARN’s discovery and move to respond at the earliest possible time.
Allen Kerr
Commissioner of Insurance, State of Arkansas, 2015-2020, Chairman of the National Association of Insurance Commissioners Industry Liaison Relations & Market Regulation and Consumer Affairs (D) Committees, and the Market Analysis Working Group
Explore More
Continue exploring our resources to learn how we protect industries like yours.
Customer Spotlight
“We can do a better job providing affordable, sustainable coverage for policyholders if we have a clearer understanding of where risk is actually coming from.”
- Steve Weinstein, CEO Mangrove Property Insurance
