Property and casualty insurers need more than a postal code. Neighbourly connects Canadian addresses to verified geographic, demographic, permit and Ontario energy context — the data that informs risk scoring, pricing models, and climate exposure without manual lookups or fragmented sources.
Neighbourly · InsuranceUnderwriting depends on what surrounds a property: water, land, building attributes and neighbourhood risk. That context is split across incompatible datasets and is rarely ready to use at the address level.
Canadian insurers pricing residential property risk are navigating a growing gap between the data they have and the data they need. Postal code–level risk bands are too coarse. Manual property inspections don't scale. And the climate exposure questions — energy efficiency, building vintage, proximity to risk zones — are only becoming more material as severe weather events increase across the country.
Neighbourly fills that gap with an API that connects any Canadian civic address to the data dimensions that matter for underwriting. In Ontario, energy efficiency scores and utility benchmarks for green home product eligibility. Building permit history for condition and renovation signals. Neighbourhood boundaries for accurate risk zone assignment. Demographics for portfolio segmentation. And points of interest proximity — fire stations, water bodies, industrial sites — for location-specific hazard context.
All of it is queryable by address at ingestion time, batchable for portfolio analysis, and updated from municipal and provincial source data on a regular cycle.
The specific, production-grade capabilities behind insurance on Neighbourly — not features on a slide, but data and tooling you can ship on.
Standardize and validate any Canadian address, geocode it, then resolve it against the Environmental layer for nearby lakes, waterways, crown land and other public land, along with flood zone and wildfire risk overlays. The result is a structured exposure profile in one pass.
The Canada-specific Environmental layer stores lakes, aquatic resources, wildlife management units and public land as pre-computed geometry, so proximity and containment lookups can run inline during quoting.
Commercial building characteristics, including LEED and BOMA certifications and façade metadata, sit alongside MLS/CREA property attributes and attach to the same address record used for exposure.
Run a whole book of addresses through the same standardization, boundary and environmental pipeline. The schema is identical for one address or a million.
Layer Forward Sortation Area demographics and Neighbourhood Data onto each location, so every risk carries the same view of the area around it.
Attach verified Energy Data to inform property-condition and efficiency assumptions in your models.
Resolve any address to its boundaries, environmental features and building characteristics.
Flood zones, wildfire risk, lakes, waterways, crown land and public-land context for any location.
Batch-enrich books of business with standardized location attributes.
Verified utility data for property-condition and risk models.
Every risk resolves to the same standardized attributes, giving you an auditable location basis instead of analyst judgement.
Exposure and building context resolve inline from an address, removing manual research from the quote.
The same pipeline scores origination and in-force books, so results stay comparable across both.
Data is hosted in Canadian data centres and is PIPEDA-compliant.
Use the data yourself, have us build the whole thing, or bring in our team for strategy and analysis — whatever fits how you work.
Wire standardized insurance data straight into your product or workflow — REST and GraphQL, one key, Canada-wide.
Explore the API →No engineering team? We design and build the insurance tool, dashboard or platform on our data — you bring the idea, we ship it.
Start a build →Strategy, enrichment, analytics and measurement from our team, so your insurance data turns into decisions and results.
See our services →Hosted in Canadian data centres, end to end.
Privacy-first by default, with provincial compliance built in.
Every layer shares a spine, so data joins cleanly.
Live, maintained data — never stale snapshots.
Common questions about this data and how to use it.
To connect Canadian addresses to verified boundary, demographic, permit and Ontario energy context for risk scoring, pricing, and climate-exposure assessment, so risk is assessed consistently across a portfolio.
Yes. Address-resolvable data integrates directly into underwriting and pricing pipelines.
Environmental and boundary layers — including flood zone and wildfire risk overlays, water and natural-geography context — support exposure assessment.
Through a single API with consistent fields — no GIS team required.
Yes. A Canada-specific environmental layer covers lakes, aquatic resources, wildlife management units, crown land and trails, with pre-computed geometry for fast lookups, plus flood zone and wildfire risk overlays.
Standardized, validated address data for any location, plus MLS/CREA and commercial building attributes, including LEED and BOMA certifications and façade metadata, surfaced through your connected listing feed rather than stored by Neighbourly.
Yes. Addresses can be enriched in batch with boundaries, environmental exposure and demographic attributes for origination and portfolio review.
Yes. Every address is standardized, validated and stitched to the full geographic hierarchy.
Yes. It is hosted in Canadian data centres and PIPEDA-compliant by default, with provincial privacy compliance built into the architecture.
Addresses are normalized into street components with FSA and LDU postal data and stitched to the geographic hierarchy, so partial or messy inputs resolve to the best available boundary level rather than failing.
Yes. Consume raw GeoJSON in your own spatial engine, or work with our data services team to receive pre-computed proximity and containment flags shaped for your rating model.
The API returns consistent JSON over REST or GraphQL under one key, so exposure and building attributes can feed a rating call or a pre-quote enrichment step.
Neighbourly provides the standardized attributes and geometry, and your actuarial and underwriting teams keep control of scoring. A tailored derived signal can come from a custom build or a data services engagement.
Address and boundary layers cover all of Canada; permit layers roll out by region, and energy data is available in Ontario.
Tell us about your risk models, your data gaps, and the products you're building. We'll show you exactly what Neighbourly adds.