Commercial Lines
Workflows

COMMERCIAL RISK ASSESSMENT — NEW PROSPECT ════════════════════════════════════════════════════════ Prospect: midweststeelfab.com Requested: Commercial Package (Property + GL + WC + Auto) COMPREHENSIVE RISK PROFILE: /about: Est. 2008, 280 employees, 2 manufacturing plants /products: Structural steel, custom fabrication, installation Hazard: Heavy manufacturing + on-site installation /contact: 2 locations — Chicago IL, Gary IN /security: OSHA VPP Star participant, safety training program Strong safety culture indicator /careers: 12 positions — welders, engineers, safety manager Active safety manager hiring = safety investment /compliance: ISO 9001, AWS D1.1 welding certifications Industry certifications demonstrate quality standards Domain Age: 6,205 days (17 years) | PR: 4.8 IAB: Manufacturing | Digital Maturity: 76/100 RISK SUMMARY: Property: Moderate — heavy equipment, fire exposure GL: Moderate — installation work, completed operations WC: Better than class — OSHA VPP, active safety program Auto: 14 vehicles (from /about) OVERALL: Desirable risk — strong safety culture offsets hazard class

INDUSTRY VERTICAL ANALYSIS — RESTAURANT SECTOR ════════════════════════════════════════════════════════ SECTOR PROFILE (from 14,200 restaurant domains): Avg digital maturity: 34/100 (below commercial average) Avg domain age: 3.8 years (high turnover rate) /security page present: 4% (vs. 28% all commercial) /compliance page: 8% (vs. 31% all commercial) /careers active: 67% (high labor needs) RISK INSIGHTS: High turnover = more WC claims (new employee injuries) Low safety pages = weak safety culture correlation Rapid franchise growth = inconsistent risk management SUBSEGMENT COMPARISON: Fast casual (PR >3): LR 42% | Chains with training programs Independent (PR <2): LR 68% | Less safety infrastructure Ghost kitchens: LR 74% | Newest, least established RECOMMENDATION: Differentiate pricing by sub-segment

PROPERTY INTELLIGENCE — UNDISCLOSED RISKS ════════════════════════════════════════════════════════ RISK DISCOVERED — Policy #PROP-2026-3412 Insured: warehouserental.com Declared use: General warehousing and distribution /products: "Climate-controlled cannabis storage solutions" /about: "Specializing in controlled substance logistics" UNDISCLOSED: Cannabis storage — requires specialty coverage ACTION: Review policy, potential material misrepresentation OCCUPANCY CHANGE — Policy #PROP-2026-2891 Insured: downtownofficecenter.com Declared: Office building, 80% occupied /about: Now marketing as "mixed-use creative space" /products: Woodworking shops, welding studios, art galleries Occupancy shift increases fire and liability exposure ACTION: Re-inspect, update occupancy classification VERIFIED — 412 properties Web presence consistent with declared usage No material discrepancies detected

FLEET MONITORING — 234 COMMERCIAL AUTO ACCOUNTS ════════════════════════════════════════════════════════ FLEET SIZE INCREASE DETECTED: expressfreightlogistics.com /about: Was "120 vehicle fleet" → now "340 vehicle fleet" /careers: Hiring 80 new drivers /products: Added long-haul routes (previously local only) Policy covers 120 vehicles — 220 uninsured vehicles ACTION: Update vehicle schedule immediately, adjust premium SAFETY IMPROVEMENT: safetyfirsttransport.com /security: NEW — "SmartDrive telematics installed fleet-wide" /about: Added "Zero accident goal program" Qualifies for 8% safety discount at renewal FLEET PORTFOLIO SUMMARY: Fleet size changes detected: 23 accounts Total uninsured vehicle gap: $4.2M in premium

WC RISK PROFILING — CONSTRUCTION SEGMENT ════════════════════════════════════════════════════════ LOW WC RISK — Safety-Focused Employer turnerconstructionco.com /security: Extensive safety protocols, zero-incident goals /careers: Safety manager, safety coordinators listed /sustainability: Employee wellness program referenced /about: "$1.2B annual safety investment" WC RISK SCORE: 22/100 (LOW) — Premium credit justified HIGH WC RISK — No Safety Indicators budgetdemolitionllc.net /security: Not present | Domain age: 1.4 years /careers: "Now hiring — no experience needed" /about: Minimal, no safety references WC RISK SCORE: 87/100 (HIGH) — Debit and restrictions apply PORTFOLIO WC METRICS: Accounts with safety pages: LR 34% Accounts without: LR 72% Safety page presence: Strongest single WC predictor

BI VALUATION VALIDATION — 847 COMMERCIAL PROPERTY POLICIES ════════════════════════════════════════════════════════ UNDER-INSURED (67 accounts — 7.9%): premiumfoodservice.com BI declared: $2.4M | Estimated actual: $8.7M Evidence: /investors mentions $87M revenue, /careers: 420 staff PageRank: 5.8 (correlates with $60-100M revenue businesses) Under-insured by $6.3M — coinsurance penalty risk OVER-INSURED (34 accounts — 4.0%): localflowerdelivery.com BI declared: $4.8M | Estimated actual: $340K Evidence: /about: "Family flower shop, 3 employees" PageRank: 0.9 (correlates with <$500K businesses) Over-insured — reduce to accurate value, save premium PORTFOLIO IMPACT: Total under-insured BI gap: $234M Premium recovery opportunity: $2.8M

CONTRACTOR EVALUATION — 5 NEW SUBMISSIONS ════════════════════════════════════════════════════════ RECOMMENDED — Low Risk Contractor skylineconstruction.com /about: Est. 2005, 180 employees, LEED-certified projects /security: OSHA EMR: 0.72 (below 1.0 = better than average) /case-studies: 24 completed projects, no litigation mentioned /products: Commercial office, healthcare facilities RISK: LOW — experienced, safety-focused, quality projects DECLINE — High Risk Contractor rapidroofingpros.net /about: "Started in 2024" | Domain age: 287 days /security: Not present | /case-studies: Not present /products: Residential roofing — highest WC class rate /careers: "No experience necessary — we train!" RISK: HIGH — new, no safety program, inexperienced workers

PROFESSIONAL LIABILITY — ACCOUNTING FIRM ASSESSMENT ════════════════════════════════════════════════════════ anderson-cpa.com — E&O submission /about: Est. 1987, 45 CPAs, regional firm /leadership: Partners listed with credentials (CPA, CIA) /compliance: PCAOB registered, peer review current /case-studies: Audit clients include 3 public companies Public company audits = higher E&O severity /products: Tax, audit, advisory, forensic accounting Forensic accounting = litigation involvement risk Personas: Mid-market businesses, municipalities RISK ASSESSMENT: Firm maturity: Excellent (38 years, stable leadership) Service complexity: Moderate (public audit + forensic) Client base risk: Moderate (public companies increase severity) RECOMMENDATION: Bind with $3M limit, exclude SEC audit work

CROSS-SELL OPPORTUNITIES — EXISTING COMMERCIAL BOOK ════════════════════════════════════════════════════════ CYBER INSURANCE (247 prospects): Current clients with GL/Property but no cyber policy /api or /login pages detected: Significant digital operations Top targets: medtechsolutions.com — Has API, handles patient data financialplannerspro.com — Client login portal detected Estimated new premium: $3.4M EPL (189 prospects): Clients with WC but no Employment Practices Liability /careers showing rapid hiring (high turnover indicator) growthstaffingco.com — 89 positions posted Estimated new premium: $1.8M TOTAL CROSS-SELL PIPELINE: Cyber: $3.4M | EPL: $1.8M | D&O: $2.1M | Auto: $890K Total revenue opportunity: $8.2M in new premium