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Insurance verified Verified Outcome TRL 9

Tech-Enabled Construction Underwriting

domain Client: Commercial Contractors handshake Provider: Shepherd schedule Deploy: 2021-Present
90 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Construction insurance MGA that integrates with project management software (Procore) to offer lower premiums to contractors who use technology to manage risk.

rate_review Analyst Verdict

"Smart segmentation strategy. Instead of underwriting based on lagging indicators (past claims), they underwrite based on leading indicators (tech adoption, project oversight), attracting the safest risks in a hard market."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Commercial construction is high-risk and has seen skyrocketing insurance rates. Traditional underwriters relied on basic firmographic data and 5-year loss runs, failing to distinguish between sophisticated, tech-enabled contractors and those with poor safety cultures. Good contractors were subsidizing the bad ones.

psychology The Solution

Built an underwriting platform that connects via API to the contractor's existing tech stack (Procore, Samsara, etc.). It analyzes data points like daily logs, safety checklists, and project timelines. High scores on 'tech usage' and 'safety compliance' unlock significantly cheaper capacity and better terms, incentivizing the digitization of the job site.

settings_suggest Technical & Deployment Specs

Integrations
Procore, Autodesk
Deployment Model
Underwriting Platform
Data Classification
Project Data
Estimated TCO / ROI
Premium
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Data Interpretation Medium Human underwriter review of data insights.
API Dependency Low Alternative submission methods.

trending_up Impact Trajectory

Audited value realization curve

Underwriting speed increased by 4x Verified Outcome
Primary KPIPremium savings for tech-enabled clients
Audit CycleData-driven safety insights returned to client

policy Compliance & Gov

  • Standards: State Lines
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Project Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for Commercial Contractors without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-568
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-568

Strategic Action Center

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