Underwrite the company on the register, not the one on the submission.
Global Database sources company records directly from 400+ government registries in 200+ countries. Every field you rate, bind and reserve against carries the registry it came from, the filing reference, and the moment it was retrieved.
Placeholder marks. Permissioned customer logos to replace before launch.
The risk you priced and the company that exists are two different records.
A submission is written by the party who benefits from the answer. A filing is made under statutory obligation and dated. Five places that gap becomes loss.
Premium rated on a number that was already a year old
Turnover, headcount and asset values on a proposal form are recalled and rounded. Filed accounts carry the audited figure with a period end attached. Rating against the filing closes the gap between the premium charged and the exposure taken.
A trade description that no longer matches the filed activity
The broker writes plain English. The register carries a classified code, dated at the point it changed. When a haulier quietly adds hazardous waste handling, the code moves months before the schedule does.
Accumulation running silently across subsidiaries you never linked
Four policies, four submissions, four broker spellings, one ultimate parent in another jurisdiction. Ownership resolved from share registers and beneficial-ownership filings shows the aggregate before the loss does.
Delegated authority audited once a year, changed every month
Coverholders, MGAs and appointed representatives change directors, control and registered status between audits. Watching the entity register makes the change visible when it is filed, not at the next audit cycle.
Twelve months of policy period with no view of the insured
Between bind and renewal an insured can register charges, lose directors, restate accounts or enter an insolvency process. Each is a dated filing, and each is a reason to look again before the renewal invitation goes out.
carried a filed turnover more than 20% above the declared figure, with an audited period end already on the register.
had a filed activity code sitting in a different rating class from the trade description supplied by the broker.
sat under a parent or group link not disclosed anywhere on the submission.
Provisional figures. Method note published alongside before launch. Median 94 days between a material filing and the next scheduled renewal review.
One insured. Four policies. Priced as four unrelated risks.
Ownership resolved from share registers, beneficial-ownership filings and group returns in every jurisdiction the group files in. The link is read from the filing and dated. It is not modelled and not inferred.
A list screen says the name is clear. Ownership says whether you can write it.
Under OFAC's 50 Percent Rule an entity is blocked when designated persons hold 50% or more of it in aggregate, directly or indirectly, whether or not the entity itself appears on any list. The UK ownership test turns on the same thing. Neither is visible to a name screen.
The named insured returns clear.
VOSTRA MARINE HOLDINGS B.V. · sample marine cargo submission.
→ 0 matches across 5 lists · risk binds
Held 50% in aggregate. Blocked.
The same entity, read through its share registers.
Neither holder crosses a threshold alone. Together they meet the 50 Percent Rule, so the entity is blocked without ever being listed. OFAC aggregates across different sanctions programmes, and indirect holdings count through any entity that is itself 50% or more owned.
Read through every layer, in every jurisdiction it files in.
Where a designated person holds 50% or more of an intermediary, OFAC attributes that intermediary's holdings in full rather than multiplying them through. Two separate 25% attributions therefore aggregate to 50%, and the insured is blocked without appearing on any list.
Six desks reading one source of record.
Commercial underwriting
Verified legal entity, filed activity codes, turnover and headcount from accounts, group structure, registered charges and twelve years of filing history. Whether the submission is rated on the company that actually files.
Trade credit and surety
Filed financial statements line by line, charge registers, insolvency events and the ownership chain sitting behind the buyer. The limit you set on a buyer, and how fast you pull it.
Delegated authority
Registered status, regulatory identifiers, directors and control, ownership changes and adverse filings across every entity holding a binder. Whether a binder holder still looks the way it did at approval.
Claims and counter-fraud
Shared directors and addresses across entities, incorporation and dissolution patterns, links to suppliers and repairers, and the record as it stood at date of loss. Which claims sit inside a network rather than on their own.
Financial crime and sanctions
Holdings resolved to natural persons so aggregate ownership tests can be applied, group-wide screening, and a dated trail behind every match decision. Whether the risk can be written at all, and what you can evidence.
Portfolio and reinsurance
Resolved corporate hierarchies across the whole book, daily-synced change feeds, and open identifiers you can join to your own policy administration data. What your true aggregate is before the cat model runs.
The policy period is twelve months. The register moves every week.
Every counterparty you carry, watched between reviews.
A renewal review is a snapshot on a date you chose. Registries publish on dates they choose. Perpetual monitoring closes the distance for every population on your book, not only the insured.
The insured moves inside the policy period.
Twelve months sit between bind and renewal invitation. In that window an insured can change what it does, who owns it and whether it is solvent, and every one of those is a dated filing.
Rating base, aggregation and mid-term terms, before the renewal invitation is drafted.
A snapshot on a date you chose.
The file is refreshed at renewal, or at the next scheduled audit. Everything filed in between is discovered afterwards, usually because something went wrong.
A record that moves when the registry moves.
Changes arrive on a daily-synced cadence carrying the filing behind them, routed to the desk that owns the account, with the date the change was made rather than the date you found it.
Everyone cites something. We cite the registry.
A rating decision, a declined claim or a sanctions call has to survive a file review years later. What matters is where the citation lands.
- Source
- Vendor company file
- Reference
- Internal record identifier
- Last update
- Vendor refresh cycle
- Filing
- Not carried through
- Access
- Vendor portal, licence required
The citation resolves to the vendor's own dataset. To re-check a field, you go back to the vendor.
- Registry
- 🇬🇧 Companies House, United Kingdom
- Filing
- PSC01 · persons with significant control
- Filed
- 11 Mar 2026
- Retrieved
- 28 Jul 2026, 06:14:11 UTC
- Source
- find-and-update.company-information.service.gov.uk/company/08841207/persons-with-significant-control
The citation resolves to the statutory record. Your reviewer, your auditor or a regulator goes straight to the source and confirms it.
Every field traces back to the filing it came from.
| Field | Value | Source | Retrieved |
|---|---|---|---|
| Registered name | ACME LOGISTICS HOLDINGS LTD | 🇬🇧 Companies House · company record | 28 Jul 2026 06:14 |
| Principal activity | SIC 38220, hazardous waste | 🇬🇧 Confirmation statement CS01 | 28 Jul 2026 06:14 |
| Turnover FY2025 | £11,840,000 | 🇬🇧 Filed accounts · AA | 28 Jul 2026 06:14 |
| Ultimate parent | MERIDIAN HOLDINGS S.à r.l. | 🇱🇺 RCS · shareholding filing | 28 Jul 2026 06:11 |
| Beneficial owner | Natural person · 82% indirect | 🇱🇺 RBE beneficial owners | 28 Jul 2026 06:11 |
| Credit assessment | Modelled, not a filed figure | Global Database model v4 | 28 Jul 2026 06:14 |
Modelled fields are labelled as modelled everywhere they appear. A filed figure is never presented as anything but a filed figure.
And it holds when a regulator asks where the number came from.
| Regime | Jurisdiction | Why it reaches company data | Status |
|---|---|---|---|
Solvency II, Article 82 | 🇫🇷EU · 2009/138/EC | Undertakings must have processes ensuring the appropriateness, completeness and accuracy of data used in technical provisions. Field-level attribution shows where each input came from and when. | In force |
Solvency UK | 🇬🇧UK · PRA rulebook | The reformed UK regime carries the same data quality expectations through to firms in scope. Confirm current rulebook references with compliance before publication. | In force |
Insurance Distribution Directive | 🇩🇪EU · 2016/97 | Distribution arrangements require ongoing oversight of intermediaries. Registry monitoring surfaces changes in control, officers and registered status between reviews. | In force |
Delegated authority due diligence | 🇬🇧Lloyd's market | Coverholder and delegated authority arrangements carry due diligence and ongoing oversight expectations. Primary entity records give one evidence base across every binder. | In force |
Financial sanctions | 🇬🇧🇺🇸OFSI · OFAC · EU | Financial sanctions obligations apply to every firm, whatever its money laundering scope, and reach the provision of cover and the payment of claims alike. | In force |
OFAC 50 Percent Rule | 🇺🇸US · OFAC guidance | Entities owned 50% or more in aggregate, directly or indirectly, by one or more blocked persons are themselves blocked whether or not they appear on the SDN list. The rule turns on ownership, not control, so it can only be applied against resolved holdings. | In force |
Ownership and control test | 🇬🇧UK · OFSI | Ownership turns on more than 50% of shares or voting rights, or the right to appoint or remove a majority of the board. A separate control limb applies. OFSI closed a call for evidence on the test in June 2026 and is considering whether further clarification is needed; existing guidance continues to apply. | Under review |
Maritime sector guidance | 🇬🇧UK · OFSI maritime | OFSI's sector guidance extends expressly to insurers in maritime shipping, alongside the separate oil price cap and maritime services regime. Designations have stranded live policies, wound down under general licence. | In force |
Money Laundering Regulations 2017 | 🇬🇧UK · life and long-term | The UK regulated sector covers life and long-term investment insurance rather than general insurance. Where the regime applies, beneficial ownership is evidenced from registry filings. | In force |
Corporate sustainability reporting | 🇮🇹EU · CSRD, CSDDD | Scope and timing narrowed under the Omnibus package, with due diligence application pushed out. Treated here as horizon rather than a current obligation. | Horizon |
400+ registries. Here are twenty-four of them.
Every record on this page comes from a named government source. These are the offices behind the European and international commercial book.
Against a bureau file, and against the submission itself.
Three sources sit behind a commercial risk. Only one of them is written under statutory obligation.
| Global Database | Bureau files · D&B, Moody's | The broker submission | |
|---|---|---|---|
| Source of record | ✓Government registries, collected directly | Blended vendor files, trade data and modelled inputs | Self-declared by the party seeking cover |
| Attribution | ✓Registry, filing reference and retrieval time on every field | Usually one citation for the whole file | None beyond the form |
| Group structure | ✓Read from share registers and beneficial-ownership filings | Often inferred from a proprietary linkage graph | Declared only if the broker knows to ask |
| Ownership tests | ✓Resolved holdings, so aggregate thresholds can be applied | Depends on the vendor's own linkage coverage | Out of scope |
| Identifiers | ✓Open registry numbers and VAT, joinable to your own data | Proprietary keys that anchor you to the vendor | Free text |
| Change of position | ✓Daily-synced feeds carrying the filing that moved | Refresh cycles set by the vendor | At next renewal |
| Use in products you sell | ✓Redistribution and AI training rights available | Restricted by default | Not applicable |
Comparison reflects the standard commercial position of each source. Vendor terms vary by contract.
Then it has to clear third-party risk, not just the demo.
Most of a data purchase happens after the underwriter is convinced. This is the part your security, privacy and procurement teams assess, set out before they ask for it.
Certification
ISO/IEC 27001 certified information security management, independently audited against the standard.
Data protection
UK and EU GDPR. Registered with the UK Information Commissioner's Office. Data processing agreement with standard contractual clauses and the UK addendum, and a named data protection contact.
Lawful sourcing
Records collected from public government registers under the terms each registry publishes. Provenance retained at field level.
Hosting and residency
EU and UK hosting options. Encrypted in transit and at rest. Residency fixed in the contract rather than handled as an exception.
Access control
Single sign-on over SAML, role-based permissions, enforced multi-factor authentication, retained access logs.
Availability
Contracted uptime target with a published status page, and named support contacts for production incidents.
Resilience
Backups, documented recovery objectives and a restoration procedure that is tested rather than described.
Security testing
Independent penetration testing on a fixed cadence, with continuous vulnerability management between tests.
Sub-processors
Published list with advance notice before any change, so your own vendor register stays accurate.
Vendor pack
Completed due diligence questionnaire, certificates, insurance and financials, released when your assessment opens.
How to access the data.
Seven routes into the same primary, government-sourced dataset. Pick the one that fits your stack.
API
Query any company by registry identifier. Documented endpoints, JSON responses, provenance on every field.
Bulk data feeds
Full datasets and scheduled deltas, delivered to your warehouse on your cadence.
CRM
Enrich and verify accounts inside Salesforce, HubSpot and Microsoft Dynamics 365.
Assistant connectors
Pull registry data straight into the assistant your teams already use.
Regis AI
Ask questions in natural language across the dataset and get answers with their sources attached.
Give us a hundred risks from your book. We will show you what the register says.
Resolved entities, group structures and the variances against your own records, sourced field by field.