Sex offender registry data API for insurance
Bring a sex offender signal from every US registry into underwriting, agent appointment, and claims workflows with one API call — scored, de-duplicated, and source-verified for defensible files.
25 free searches, no card. $0.15 a call, no platform fee, no seats, no minimum. No code needed: search from your dashboard, or integrate the full API when you’re ready.
curl https://api.offendersearch.app/v1/search \ -H "X-API-Key: $OFFENDERSEARCH_KEY" \ -H "Content-Type: application/json" \ -d '{"query": {"firstName": "Jordan", "lastName": "Sample", "dob": "1980-04-12", "ageTolerance": 1}}' // response { "status": "complete", "elapsedMs": 410, "counts": { "records": 0, "sourcesQueried": 58, "sourcesComplete": 58, "sourcesIncomplete": 0 }, "records": [] } // a match carries its reason { "matchState": "dob_match", "matchConfidence": 0.98, "matchBasis": ["lastName:exact", "firstName", "dob"] }
Screening challenges for insurers, underwriters, and claims teams
- Underwriting and appointment decisions vary risk by jurisdiction
- Common-name false positives slow adjuster and underwriter reviews
- Claims and appointment files need a citable, source-verified basis
What sex offender screening gives insurers, underwriters, and claims teams
Add a 58-registry signal to underwriting and appointments
Reduce false positives in adjuster and underwriter queues
Keep a source-verified basis on every file
Insurance sex offender check API: request and response. One POST per person, or the same search from the dashboard with no code.
curl https://api.offendersearch.app/v1/search \ -H "X-API-Key: $OFFENDERSEARCH_KEY" \ -H "Content-Type: application/json" \ -d '{"query": {"firstName": "Jordan", "lastName": "Sample", "dob": "1980-04-12", "ageTolerance": 1}}' // response { "status": "complete", "elapsedMs": 410, "counts": { "records": 0, "sourcesQueried": 58, "sourcesComplete": 58, "sourcesIncomplete": 0 }, "records": [] } // a match carries its reason { "matchState": "dob_match", "matchConfidence": 0.98, "matchBasis": ["lastName:exact", "firstName", "dob"] }
Send what you have. Name and date of birth; age or birth year when that is all you hold. Date of birth drives matchState: dob_match, year_match, age_match or no_dob_age_year.
Read the counts. sourcesComplete against sourcesQueried says whether all 58 registries answered, so a partial search is never read as a clear one.
Branch on the score. matchConfidence and matchBasis on every record, with the registry cited.
| Person | Checked for | Result | Answered |
|---|---|---|---|
| Jordan Sample | underwriting | No match | 58 / 58 |
| Jordan A. Sample | underwriting | Match · dob_match | 58 / 58 |
| J. Sample | underwriting | Review · year_match | 58 / 58 |
Read the API docs › · Search from the dashboard › · Screen a CSV without code ›
Sex offender screening built for insurance. One key, one schema, one stored record of every check.
One signal from every US registry
A single call covers every state, DC, and US territory, so out-of-state history surfaces in underwriting and appointment checks.
Scored, de-duplicated matches
matchConfidence and matchBasis with people de-duplicated across sources cut manual adjudication of common-name hits.
Citable provenance
Each record carries source provenance and its lastCheckedAt for the underwriting or claims file.
When insurers, underwriters, and claims teams run a sex offender check. Each moment, and the call that fits it.
Writing cover for youth and care organizations
Underwriters for camps, youth sports, churches and care providers ask whether the applicant screens staff and volunteers. A documented, dated registry check per person is the evidence they look for.
Claims and special investigations
Investigators confirm identity and history during a claim review, where a scored match and the official record link matter more than speed.
Agent and adjuster onboarding
Field staff who enter homes can be screened before their first appointment, as any employer would.
Risk reviews of locations
Address and radius searches add context to a property or premises review where children are present.
At policy binding
Risk-control teams confirm an insured youth organization’s screening program before cover binds.
When a claim alleges abuse
Claims teams check whether the accused was screened and what the result was.
Insurance screening workflow. Step by step, from the first call to the stored record.
Define the purpose first. Underwriting decisions about a consumer are regulated; risk-control screening of an insured’s staff by the insured is a different use. Decide which one you are doing.
Search with name and date of birth. Date of birth keeps a common name from becoming a false positive.
Review the match basis. Each candidate says whether the full date of birth, the birth year or only the name lined up.
Document for the file. Keep the request, response, date and reviewer; each record links its registry entry.
Route regulated decisions correctly. Eligibility decisions about a person run through FCRA-regulated workflows, not the standard API.
Insurance screening: what the law requires and what it doesn’t
Insurance is where much of the screening market’s pressure actually comes from. Where the law is silent, carriers make screening a condition of cover: camp insurers require a personnel screening system to qualify, sports insurers can void sexual-abuse and molestation cover without one, and church insurers condition binding, renewal and premium on a documented program. A carrier that asks for proof of screening needs records it can audit.
The limits run the other way for decisions about a consumer. California prohibits using Megan’s Law information for purposes relating to health insurance or insurance, unless the use protects a person at risk or another law authorizes it (Penal Code § 290.46(j)). Producer licensing itself runs on fingerprint criminal-history checks under federal law, not on registry status. Keep underwriting uses with counsel, and use the standard API for risk-control and safety work.
For risk-control teams the practical product is evidence. An insured youth organization, camp or church needs to show its carrier who was screened, when and with what result; a claims team investigating a sexual-abuse claim needs to know whether the insured’s screening program actually ran. Every response carries a timestamp, the per-source status and the official record link, which makes a screening log auditable after the fact.
Sex offender screening for insurance, by the numbers. The same answer whichever registry holds the record.
Registry and criminal records for insurance, on one key. Most insurers, underwriters, and claims teams need more than one check, and running two vendors means two integrations, two contracts and two invoices.
Sex offender registry
58 US registries, continuously updated, with photographs, aliases, addresses and the official record citation on every match. 1.5M records in one schema.
Sex offender API ›Criminal records
1,408 county jail rosters, 53 state corrections systems, courts, warrants and federal custody, almost 50 million records in the same scored, source-cited schema. Same key, same price.
Criminal search API ›FCRA background checks
When a result decides a hire or a tenancy, the check runs as an FCRA order through FCRA Partner Access: consent, the check, disputes and adverse-action steps. Pricing is quoted per partner.
FCRA Partner Access ›Coverage today: 1,914 criminal jurisdictions catalogued, 1,564 live, 51 states + DC + federal. See what each state publishes, or the live list at /v1/criminal/sources.
What insurance screening costs per check. $0.15 a call, $0.11 past 2,000 a month. No platform fee, no seats, no minimum.
| Checks / month | Cost | Per check |
|---|---|---|
| 500 | $75.00 | $0.1500 |
| 5,000 | $630.00 | $0.1260 |
| 50,000 | $5,580.00 | $0.1116 |
A batch is billed per row, so bulk screening costs the same per person as a single lookup. No setup fee, no per-seat licence, no monthly minimum on search and no annual contract, so the price scales down with you as well as up. A fraction of what legacy screening platforms charge.
The background check API · screen a CSV without code. More for developers: the free background check API tier, background check API pricing, the employment screening API and tenant screening API, and the background check API in Python and background check API in Node.js tutorials.
Insurance screening FAQ
For anything else, talk to sales or read the API docs.
How do you keep false positives manageable?
Every record carries a confidence score and match basis, and people are de-duplicated across sources so common names don’t flood a review queue.
Can we run periodic re-checks on appointed agents?
Yes. Use the Weekly or Daily freshness tier and re-run searches on your cadence; each record shows when it was last verified.
Can insurers use the sex offender registry for underwriting?
With care. California prohibits using Megan’s Law information for insurance purposes unless another law authorizes it. Decisions about a consumer are regulated; route them through an FCRA-regulated workflow and counsel.
What screening evidence should an insured organization keep?
For each person: the date of the check, the result, the reviewer and the record link for any match. Our responses carry the per-source status so a partial search is visible in the file.
Does this replace a fingerprint background check?
No. Fingerprint criminal-history checks are a separate regime. A registry search answers a different question: is this person currently registered, and where.
Can a carrier offer screening to its insureds?
Yes. Carriers and brokers can embed the API in a risk-control portal or refer insureds to self-serve accounts, billed per search.
Can claims teams search historical registrations?
Results show current registration records and their registration dates. For a claim, pair the registry result with criminal records on the same key.
Can we search by location for a risk assessment?
Yes. Address, ZIP or radius searches show registrations near an insured site, such as a camp or school.
Does an insured organization need its own account?
It can have one, billed per search, or a carrier can screen on its behalf through an embedded integration. Either way the screening log stays with the organization’s records.
Related
Screen insurers, underwriters, and claims teams with one API
Bring a sex offender signal from every US registry into underwriting, agent appointment, and claims workflows with one API call — scored, de-duplicated, and source-verified for defensible files.