The Accounts cluster: Carriers, TPAs, and Commercial

What the Accounts cluster is

Accounts is the single sidebar entry that groups the three pages behind your network's revenue-in relationships: Carriers (insurance companies), TPAs (third-party administrators who process claims on a carrier's behalf), and Commercial (direct B2B clients who pay a franchisee without an insurer in between). All three answer the same underlying question from a different angle: who is paying the network, how much, how fast, and where is the leverage or the risk. None of them is a CRM or a claims tracker. A franchisee never logs into Accounts to manage a relationship. Each page reads a nightly rollup of jobs, billing, and collections that franchisees have already recorded in their own Verinode IQ account, and turns it into a network-wide read.

Accounts is the mirror image of two other clusters in the sidebar:

• Vendors (its own single page, one level down in the Operations group) is the spend-out side: what the network pays subcontractors, mitigation trades, and equipment rental companies. Accounts is what pays the network.
• Assets (Facilities, Fleet, Equipment, grouped the same way as Accounts) is what the network owns or leases. Accounts isn't property at all, it's a relationship with a counterparty who cuts a check.

Put simply: Carriers and TPAs bill claims and eventually pay them; Commercial clients pay directly; Vendors get paid by the franchisee; Assets sit on a balance sheet. Four different flows of money and equipment, four different pages, one consistent rollup shell. For the sibling cluster's write-up, see The Assets cluster: Facilities, Fleet, and Equipment. For the spend-out side, see Vendors overview.

Where to find it

Click Accounts in the HQ sidebar, in the Revenue group (alongside Reputation and Sales & Marketing). It lands on Carriers by default, at hq.verinode.ai/carriers. TPAs lives at hq.verinode.ai/tpas, Commercial at hq.verinode.ai/commercial. Each is a direct URL, none of them redirects through a shared /accounts route, so a link straight to /tpas opens TPAs immediately.

Every page in the cluster keeps the same sticky page title, Accounts, at the top. Underneath it, a pill-shaped tab strip reads Carriers · TPAs · Commercial, rendered as a rounded, translucent, backdrop-blurred capsule. Whichever tab matches the page you're on fills solid in copper with white text; the other two sit transparent with muted text until clicked. Clicking a tab is a real navigation to that tab's own URL, not an in-page swap, so a bookmark or a shared link always opens the right page with the right tab already highlighted.

Carriers and TPAs: the same shape, two different counterparties

Carriers and TPAs are built identically. Both are per-counterparty rollups: one tile per canonical carrier or TPA, not per franchisee. The story each page tells is "the network bills $X to Carrier Y across N franchisees," not "here's what Franchisee A did with Carrier Y." Because the shape is identical, this section covers both pages together and calls out the one place TPAs differ (fee posture).

Hero panel

At the top, a headline count of total carriers (or TPAs) the network has billed. Beside it, a pill reads how many of them are served by more than one franchisee, or "No data yet" if none are. Below the headline, a summary line: total jobs over the trailing 36 months, jobs in the last 30 days if any occurred, and the name of the top carrier or TPA by billed dollars, for example "142 jobs in the last 36 months · 18 in the last 30d · top: State Farm." If any counterparties were held back under the privacy guard (see below), that line ends with a note that some rows are hidden as single-franchisee.

Three secondary tiles sit beside the headline:

• Billed 36mo: total dollars billed to this counterparty type across the network over 36 months, with collected dollars underneath once available.
• On Carriers, the second tile is Jobs last 30d (with the 36-month total underneath); on TPAs it's Avg admin fee, the average administrative fee TPAs charge, averaged across reporting franchisees.
• Avg days-to-pay: the network's collection speed on paid jobs, weighted by job volume. This tile's accent color tracks performance: green (Expand) at 30 days or under, yellow (Maintain) between 31 and 60, red (Analyse) beyond 60. The same tone drives the pill and secondary tile colors across the whole hero.

When there's no billing data at all, the hero reads: "Carrier data will appear as franchisees complete and bill insurance jobs" (or the TPA equivalent, "TPA data will appear as franchisees record TPA-administered claims").

Row 1: Slowest Payers

Carriers or TPAs with the worst average days-to-pay across the network, shown as double-wide "action" tiles: a days figure (e.g. "64 days"), the counterparty name, how many franchisees serve them, and total billed over 36 months. Tiles color red past 60 days, yellow otherwise. Empty state: "Payment-cycle data appears once franchisees record days_to_pay on completed jobs" (TPAs: "...on TPA-administered jobs").

Row 2: Broadest Network Footprint

Sorted by how many franchisees serve each counterparty, this is the procurement-leverage cohort: carriers or TPAs you're exposed to broadly enough that a rate conversation with them affects the whole network, not one office. Each tile shows the franchisee count, job count over 36 months, and billed dollars. Empty state: "Network footprint by carrier will appear once franchisees register their carrier relationships" (or "by TPA"/"TPA relationships" on the TPA page).

Row 3: Heaviest Pushback

Ranks counterparties by supplement dollars denied, then by denial rate. This is the friction dimension: carriers and TPAs who cut the most out of supplement requests. Each tile shows the dollar amount cut (e.g. "$18k cut"), the counterparty name, the share of supplement dollars denied (e.g. "Denies 34% of supplement dollars"), a 30-day trend when the denial rate is rising, and franchisee count. Tiles color red at 30%+ denial rate. Empty state: "Supplement denial data appears once franchisees record supplements with carriers across the network" (TPAs: "...with TPAs").

Row 4: All Carriers / All TPAs

The full roster, sorted by billed dollars, up to 18 tiles. Each shows billed 36mo (or "No billing"), franchisee count and job count, days-to-pay, and average satisfaction rating on Carriers; on TPAs the last field is the modal fee instead, formatted per fee type: a flat dollar amount reads "$X flat", a percentage-basis fee reads "$X (% basis)", and a per-claim fee reads "$X/claim." Empty state: "No carrier relationships rolled up yet. Data appears after the next nightly aggregation" (TPAs: "No TPA relationships rolled up yet...").

Clicking a tile

Any tile on Carriers or TPAs opens a detail overlay for that counterparty. Inside, you'll find:

• A Verinode Score (the operator-rated catalog score for this carrier or TPA, network-wide, not specific to your franchisees), with a provisional badge when the score is still building confidence.
• Billed and collected dollars over 36 months, average days-to-pay, a computed collection rate, and average satisfaction rating with the number of peer ratings behind it.
• A supplement pushback block: denial rate, dollars cut, dollars submitted, average carrier response time, and a 30-day trend, plus a line comparing your network's denial rate against the national industry average for that same carrier or TPA.
• A line-item pushback breakdown: which specific line items this counterparty cuts most often across the network, and whether the pattern looks fixable or structural.
• On the TPA overlay specifically, the fee terms your network has on file with that TPA, each rate kind (percentage discount, flat job fee, per-claim fee) shown against the national industry benchmark for the same rate kind, so you can see whether your network's terms run better or worse than the market.
• A per-franchisee participation list: which of your franchisees have jobs with this counterparty, their job counts, billed dollars, days-to-pay, and rating.

If your network is structured as independent operators (association or cooperative), the per-location pushback breakdown inside the overlay is held back in favor of the network aggregate, with a line explaining that per-location detail is shown only for networks that own their locations' data.

For the deeper dive on TPA fee terms specifically, see TPA rate transparency.

Commercial: a different shape entirely

Commercial doesn't have a canonical catalog the way carriers and TPAs do (an insurer is the same legal entity everywhere; a private commercial client is unique to whichever franchisee signed them). So Commercial rolls up two ways at once: per-franchisee (each franchisee's commercial book) and per-client, cross-network (the same named client appearing under more than one franchisee).

Hero panel

Headline: total active commercial clients across the network. Pill: how many franchisees have commercial revenue, or "No data yet." Summary line: commercial jobs over 36 months, retail jobs if any, and the name of the network's single largest commercial client by billed dollars, for example "212 commercial jobs over 36mo · 340 retail · top client: Acme Manufacturing." On independent-operator networks this line adds: "Franchisee rows are anonymized (independent-operator network)." Secondary tiles: Commercial billed 36mo (with retail billed underneath), Top client billed (the largest single client's 36-month total), and Avg days-to-pay on commercial jobs specifically, using the same green/yellow/red tone logic as Carriers and TPAs. Empty state: "Commercial clients will appear as franchisees register direct B2B accounts."

Row 1a: Top Commercial Clients by Spend

Cross-franchisee clients, one tile per normalized client name, ranked by 36-month billed dollars. Each tile shows billed dollars, how many franchisees serve that client and how many jobs, and days-to-pay. Empty state: "Cross-franchisee commercial clients will appear here once jobs flow through with named clients." If any clients were suppressed under the privacy guard, the empty state names how many.

Row 1b: Most Shared Commercial Clients

Only clients served by more than one franchisee appear here, ranked by franchisee count, so you can see which commercial accounts the network shares. It's intentionally a subset, single-franchisee clients already have their own tile in the Spend row above and don't need duplicating. Empty state: "No commercial clients are served by more than one franchisee yet."

Row 2: Concentration Risk

Franchisees whose commercial book leans heavily on one client, flagged when a single client accounts for a majority of that franchisee's commercial billing. Each double-wide tile shows the concentration percentage, the franchisee, the top client's name, and how much that client billed. Tiles color red at very high concentration, yellow otherwise. This is a business-continuity flag: a franchisee whose commercial revenue rides almost entirely on one account is exposed if that account leaves. Empty state: "No franchisee shows more than 50% of its commercial book on a single client."

Row 3: Largest Commercial Books

The recruitment-story row: franchisees with the biggest commercial books, sorted by billed dollars, each tile showing client count and job count alongside its top client's name. Empty state: "Largest commercial books will surface here once franchisees record commercial-job revenue."

Row 4: All Franchisees

The full per-franchisee roster, up to 18 tiles, sorted by commercial billed dollars. Each tile shows commercial vs. retail client counts and, where available, job count and days-to-pay. Empty state: "No franchisees rolled up yet. Data appears after the next nightly aggregation."

Clicking a tile

Clicking a franchisee tile opens that franchisee's commercial detail; clicking a cross-network client tile opens that client's detail across every franchisee serving it. Both follow the same privacy rules as the rest of the cluster: single-franchisee clients are held back from the cross-network view, and franchisee identity is anonymized on independent-operator networks exactly as it is everywhere else in Accounts.

The privacy boundary

Everything in Accounts runs through the same two account-level settings that govern every rollup surface on HQ, configured once under Settings, Group, Data posture:

• Entity model. If your account is one legal entity operating multiple locations (same entity), franchisee names show as entered. If your account is independent operators (the default for franchise and association networks), every franchisee name across all three Accounts pages is replaced with a stable anonymized label built from a short hash of the franchisee's internal ID, for example "Franchisee #A1B2." The same franchisee gets the same label everywhere in the cluster and across every visit, so a pattern is trackable over time without the label ever mapping back to a real business name.
• Cohort protection. A carrier, TPA, or commercial client served by only a single franchisee in your network doesn't get its own row on the network-wide views, even with the name anonymized, showing a single-franchisee row would identify that franchisee by elimination. Those rows are held back at read time; the hero totals on Carriers and TPAs still count them in the aggregate (a network-wide sum doesn't identify anyone), and the subtext under the hero notes how many rows are hidden this way. Same-entity networks never trigger this guard, since there's no separate business identity to protect: it's all one company's own data.

On the per-carrier and per-TPA detail overlay, this same guard can hide the entire per-counterparty view: if a carrier or TPA is served by too few franchisees for a safe read, the overlay shows an aggregate-only notice instead of the KPI grid, rather than a row that would single out one franchisee.

Neither setting is something you toggle per page. Both apply identically across Carriers, TPAs, and Commercial the moment you land on any of them.

How to use the cluster

1. 1Open Accounts from the sidebar. You land on Carriers.
2. 2Work Carriers top to bottom: hero, Slowest Payers, Broadest Network Footprint, Heaviest Pushback, then the full roster.
3. 3Click the TPAs tab. Same shape, plus the admin-fee dimension on the hero and roster tiles.
4. 4Click a carrier or TPA tile that stands out (slow to pay, heavy pushback, broad footprint) to open its detail overlay: score, collection rate, denial pattern, industry comparison, and per-franchisee participation.
5. 5Click Commercial. Read the hero, then Top Commercial Clients by Spend and Most Shared Commercial Clients for the cross-network read, then Concentration Risk for the franchisees most exposed to a single account, then Largest Commercial Books and the full franchisee roster.
6. 6Bring a Slowest Payer, a Heaviest Pushback counterparty, or a Concentration Risk franchisee into a leadership conversation with the underlying numbers already assembled.

Data sources