Afirm
Nationwide premium audit, loss control inspection, and risk mitigation services for insurance carriers across all 50 U.S. states and Canada.
Overview
Afirm Solutions -- now operating as Davies Risk Services -- is one of North America's leading providers of premium audit, loss control inspection, and risk mitigation services for the insurance industry. The company was founded in 1988 as US-Reports, a small regional firm in Simi Valley, California. It relocated to Fort Collins, Colorado in 1993 and grew into a full-service national operation. In 2017, H.W. Kaufman Financial Group merged US-Reports with Canadian Reports and rebranded the combined entity as Afirm Solutions, creating one of the largest North American inspection companies serving the insurance industry and the only premium audit and loss control vendor with operations across both the U.S. and Canada.
In April 2023, Davies Group -- a global professional services and technology leader -- acquired Afirm from H.W. Kaufman, integrating it into Davies North America's Risk Services division. By June 2024, the Afirm brand was retired and the business fully transitioned to the Davies name. Today, Davies Risk Services delivers premium audit, loss control, and risk consulting across all 50 U.S. states and Canada, serving over 1,200 insurance and regulated-market clients through a network of 1,250+ contracted field representatives.
Products & Services
Premium Audit Services
Comprehensive premium audit programs covering the full lifecycle of policy exposure verification. Afirm performs physical, mail, telephone, voluntary, and virtual audits to verify actual policy exposures (payroll, sales, units, costs) against estimated premiums at policy inception.
Key Features
- Physical, remote, virtual, phone, and mail audit modalities
- Insurity-powered audit management platform with real-time tracking and client portal
- Multi-factor authentication and data security built into the workflow
- Key metrics dashboard: jobs in progress, overdue audits, billing status
- Quality review and carrier-specific compliance standards
Target Users: Insurance carriers, distribution platforms, TPAs
Loss Control Inspection Services
Field-based and technology-enabled loss control inspection services covering residential and commercial properties across the U.S. and Canada.
Key Features
- Residential loss control: exterior photo, exterior observation, exterior observation and measurement, high-value interior inspections
- Commercial loss control: COPE verification, package surveys, habitational, restaurant/bar, retail, contractor, farm, and garage risk surveys
- Workers compensation: risk management, safety programs, technical safety manuals
- Drone roof inspection capability
- Self-inspection technology and online client portal
- AI/ML-powered property analysis and risk scoring
- Inspection verification process exceeding industry standards
- Training provided to client partners at no additional cost
Target Users: P&C carriers, commercial underwriters, workers compensation carriers
Risk Consulting
Tailored risk mitigation consulting for insurance carriers, distribution platforms, and TPAs. Includes risk control consulting, online training and continuing education, and technical support to clients building or enhancing in-house audit and loss control programs.
Key Features
- Risk control program design and implementation
- Training through the Afirm Institute (premium audit and loss control curriculum)
- Partnership with academic institutions (e.g., Polk State Corporate College) for workforce training
- Outsourced department model available for carriers without in-house staff
Target Users: Insurance carriers, distribution platforms, TPAs
At a Glance
- Founded
- 1988
- Headquarters
- Fort Collins, Colorado
- Employees
- 501-1000
- Funding
- Acquired
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Premium Audit Loss Control Inspection Risk Mitigation Field Services
- Insurance Verticals
- P&C Personal P&C Commercial Workers Compensation Specialty/E&S
- Target Customers
- Carriers, TPAs, MGAs/MGUs
Customers
- Personal lines P&C carriers
- Commercial lines P&C carriers
- Workers compensation carriers
- Insurance distribution platforms (MGAs, wholesalers)
- Third-party administrators (TPAs)
Similar Companies
-
Relativity6 🤖AI-powered risk data platform for business classification, KYB verification, and commercial underwriting automation. -
RedZoneIntelligent wildfire and natural disaster intelligence for insurance, utilities, and emergency response. -
RRGAXTransforming the future of life insurance through innovation, technology, and strategic partnerships.
-
QuantumergeThe first AI-powered platform for M&A transactional risk insurance -- streamlining R&W underwriting from submission to binding. -
QQuanteeAI-driven insurance pricing software for carriers and MGAs -- acquired by Guidewire in 2025
-
PPrevisicoReal-time, property-level flood forecasting and intelligence for insurers and risk managers
Last updated: 2026-04-09