Verinode
Open Verinode

Opening a carrier: the detail view

Every tile on the Carriers page, the full carrier list, Slowest Payers, Broadest Network Footprint, and Heaviest Pushback, represents one insurance carrier rolled up across your whole network. Clic…

10 min read·Updated July 14, 2026
On this page

What this view is

Every tile on the Carriers page, the full carrier list, Slowest Payers, Broadest Network Footprint, and Heaviest Pushback, represents one insurance carrier rolled up across your whole network. Click any of those tiles and the same carrier detail overlay opens on top of the page: a wide modal panel carrying everything Verinode knows about that one carrier's relationship with your network. The page underneath doesn't unmount, so closing the overlay drops you back exactly where you were.

This article covers the top of that overlay: the slot hero (logo, standing, Verinode Score), the four headline KPIs (billed and collected, average days to pay, collection rate, and average satisfaction), the two job-volume readout rows underneath, and the standalone deep-link route that renders a lighter version of the same carrier outside the click-through flow. Everything further down the overlay, supplement pushback, line-item cuts, and the per-franchisee participation list, is its own layer and isn't covered in this article.

Nothing here is a single franchisee's private ledger. Every figure is a network rollup, sums and averages across every franchisee who bills that carrier. Verinode surfaces the pattern; it doesn't decide whether a carrier is worth a renewal conversation or a policy escalation. Leadership reads the numbers and decides.

Where to find it

Open Accounts from the HQ sidebar at hq.verinode.ai/carriers. The page opens on the Carriers pill (of Carriers · TPAs · Commercial). Click any carrier tile, in any row on the page, and the detail overlay opens as a centered modal titled with the carrier's name.

While the overlay's data is loading, it reads "Loading carrier detail…". If the load fails, it reads "Couldn't load this carrier. Refresh and try again." Both states clear as soon as the request completes or you retry.

A dedicated route, /franchise/carriers/[canonical_entity_id], exists too. It's covered in its own section below.

The slot hero

At the top of the overlay sits a compact header: a round logo slot beside the carrier's standing.

The logo slot is a 40px circle showing the carrier's favicon-derived mark, or a generated initials mark when Verinode has no logo on file for that carrier.

The eyebrow line reads "Insurance carrier", followed by how many of your franchisees serve it: "1 franchisee serving" for a single franchisee, or "N franchisees serving" for more than one. When Verinode has a most-recent completed job on file for this carrier, a third segment appears: "Last job {date}" (for example "Last job Jul 10, 2026").

Below the eyebrow, the Verinode Score. This is the network catalog score, computed once from Verinode's research and peer-rating data across the whole platform, not a figure scoped to just your network's own franchisees. If a score exists, it shows as a single number to one decimal place, bold, with "Verinode Score" underneath and, when the catalog carries a qualitative label for it, that label appended ("Verinode Score · {label}"). A small Provisional badge appears beside the score whenever it hasn't yet cleared Verinode's full validation bar, a score is only final once the Operator Advisory Council has weighted its category and enough peer operator ratings have accumulated behind it. If no score has been computed yet, this area reads simply: "Not yet rated by operators."

The four-KPI lockup

Directly under the hero, when the carrier clears the network privacy floor (see below), four figures run side by side, two per row on narrow screens, four across on wider ones. No tile frame, no card, just the numbers in a flat grid, in this order:

  • Billed · 36mo. The carrier's total network billing over the trailing 36 months, formatted compactly (for example $1.2M for a large figure, $42k for a mid-size one, or the plain dollar amount under a thousand). Underneath, either "{amount} collected" when collection data exists, or "Collection pending" when it doesn't yet.
  • Avg days to pay. The average time between billing and payment, shown as a day count (for example "42d") or an em dash when no payment data is on file. The number itself is colored to flag risk: red above 60 days, yellow between 46 and 60 days, green at 45 days or under. There's no sub-line here in the overlay, the color carries the read.
  • Collection rate. Collected dollars divided by billed dollars over the same 36 months, as a percentage to one decimal place (for example "94.2%"). Shows an em dash when there's no billed total to divide against, or when collection data hasn't come in yet.
  • Avg satisfaction. The average satisfaction rating your franchisees have logged for this carrier, on a 1-to-10 scale, with "/10" beside the number. Underneath, the count of peer ratings behind that average, "N peer ratings" (or "1 peer rating" for a single respondent), or "No ratings yet" when nobody has rated this carrier.

Read the four together as one sentence: how much this carrier owes the network and how much of it has actually landed, how long it takes to pay, and how your own franchisees rate the experience of working with it. A carrier that's slow to pay and poorly rated is a different conversation from one that's simply large.

Jobs · 36mo and Jobs · last 30d

Underneath the KPI lockup, two flat rows (not tiles) with a hairline divider between them:

  • Jobs · 36mo shows the total count of billable claims with this carrier over the trailing 36 months, as a plain number.
  • Jobs · last 30d shows the count of jobs in the last 30 days, with a subtitle underneath: "Active inflow" when that count is above zero, or "No jobs in last 30 days" when it's zero.

These two rows are pure volume, how much work is moving with this carrier right now versus its 36-month history. The dollar and payment-speed story lives in the KPI lockup above; this is just how many claims that story is built on.

The aggregate-only fallback

None of the above renders if the carrier doesn't clear Verinode's network privacy floor. HQ never shows a carrier's per-carrier numbers, billed and collected dollars, days to pay, collection rate, satisfaction, when so few franchisees serve it that showing those numbers would tell you, by elimination, which specific franchisee they belong to. This guard only applies to networks made up of independently owned franchisees; a network configured as a single legal entity operating its own locations sees full detail regardless of how many locations serve a given carrier, because there's no separate business to protect.

When a carrier falls below that floor, the overlay opens to a single message and stops there:

Aggregate-only view. This carrier is currently served by fewer than [the network's minimum cohort size] franchisees in your network. Per-carrier metrics are suppressed to protect operator privacy.

This isn't a bug or a permissions problem to click past. As more of your franchisees bill that carrier, it crosses the floor on its own and the full overlay opens the next time you click it, with nothing to configure on your end.

Tip

If a carrier you're checking keeps opening to the aggregate-only message, that's a read on how few of your franchisees currently deal with that carrier, not a data problem to chase down. The fix is more franchisees billing the same carrier, not a setting to change.

The deep-link fallback route

Every carrier your network works with also has a permanent address: /franchise/carriers/[canonical_entity_id], a standalone page (page title "Carrier detail") that renders one carrier's network detail on its own URL. It exists so a link to a specific carrier keeps working outside the normal click-through flow inside the Carriers page: from a bookmark, a link pasted into an email or a report, or browser back and forward.

Inside the Carriers page itself, you never land on this route by clicking a tile, every tile click opens the modal overlay described above instead. The standalone route is a lighter version of the same drill: it covers the hero, the KPI figures, and the per-franchisee participation list, but it does not show supplement pushback, line-item cuts, or the network-versus-industry denial comparison, those are modal-only.

At the top, a ← All carriers link returns to /franchise/carriers, followed by the carrier's name as the page heading and the same eyebrow line format as the modal (insurance carrier, franchisee count, last job date).

The KPI figures render as framed tiles (MetricTile) instead of the modal's flat lockup, arranged in two rows:

  • Row one (four tiles): Billed (36mo) with the same collected sub-line, except worded "Collection data pending" rather than the modal's "Collection pending"; Franchisees serving, a plain count with a sub-line of "Multi-franchisee carrier" or "Single-franchisee carrier" (this tile doesn't appear in the modal at all); Avg days to pay, using the same red/yellow/green severity coloring as the modal but adding explicit sub-copy: "Above 60d, collections risk," "Above 45d, watch," or "Within network norms"; and Avg satisfaction, formatted as "{rating} / 10" with the same peer-rating-count sub-line.
  • Row two, titled "Job volume & collection" (three tiles): Jobs (36mo) with sub-line "Total billable claims"; Jobs (last 30d) with the same "Active inflow" / "No jobs in last 30 days" sub-line as the modal's row; and Collection rate, the same percentage as the modal's KPI, with sub-line "Collected / billed (36mo)."

Below the tiles, a Per-franchisee participation list shows each franchisee serving this carrier with their own billed amount, days to pay, and rating (see the modal's participation list for the full column breakdown, since the columns match). If no franchisee has a job on file with this carrier yet, it reads: "No franchisee jobs on file with this carrier yet. Rows populate after the nightly aggregator runs."

The aggregate-only fallback applies here too, but with a longer message than the modal's:

Aggregate-only view. This carrier is currently served by fewer than [the network's minimum cohort size] franchisees in your network. Per-carrier metrics are suppressed to protect operator privacy (single-franchisee identification risk). The carrier will surface here in full once cohort size reaches [that floor] or more, or change the network data posture in Settings → Group → Data posture.

Note

If you arrived here from a link, a colleague sent it, search resolved to it, or you're returning to a bookmark, you're in the right place. If you're actively working the Carriers page and want the fuller toolset, supplement pushback, line-item cuts, and the network-versus-industry read, open the carrier from a tile on the Carriers page instead, that opens the modal.

How to read it in one pass

  1. 1Start with the eyebrow line: how many franchisees serve this carrier, and when the last job with them closed.
  2. 2Check the Verinode Score. A low or missing score paired with heavy billing is worth a look regardless of the KPI numbers.
  3. 3Read the four KPIs together: billed and collected, avg days to pay, collection rate, and avg satisfaction. Slow payment and low satisfaction together outweigh either signal alone.
  4. 4Glance at Jobs · 36mo and Jobs · last 30d to see whether the relationship is active or winding down.
  5. 5If the overlay opens straight to the aggregate-only message, there's nothing more to read yet, move on and check back once more franchisees bill that carrier.

Best-practice example

Say you click into a national carrier from the Slowest Payers row. The eyebrow reads "Insurance carrier · 5 franchisees serving · Last job Jul 8, 2026." The Verinode Score shows 6.4 with a Provisional badge. The four KPIs show $2.1M billed with $1.9M collected, an avg days to pay of 68 (colored red), a 90.5% collection rate, and 6.2/10 avg satisfaction across 4 peer ratings. Jobs · 36mo reads 340, Jobs · last 30d reads 12, with "Active inflow" underneath. The picture: a carrier your network relies on heavily, still paying, but running well past a healthy payment clock. That combination, high volume and a red days-to-pay reading, is exactly the kind of carrier worth a direct renewal or escalation conversation, separate from whatever its research-side score says.

Related reading

Was this helpful?