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The Verinode Score on a carrier

Every carrier's detail overlay opens on a hero that carries one number bigger than anything else on the page: the **Verinode Score**. This article is about that one number, what it means, where it…

10 min read·Updated July 14, 2026
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What this is

Every carrier's detail overlay opens on a hero that carries one number bigger than anything else on the page: the Verinode Score. This article is about that one number, what it means, where it comes from, and the two states it can be in (a scored number with a label, or "Not yet rated by operators").

The single most important thing to understand about it: this is not your network's own data. Everywhere else on the carrier overlay, the figures are built from your own franchisees' billing, collections, and supplement records, aggregated network-wide. The Verinode Score is different. It is the research-layer catalog score Verinode maintains for this carrier across the whole platform: every operator on Verinode who has rated this carrier, on every network, contributes to the same number. It shows up identically whether you're looking at it from HQ or a single independent operator is looking at the same carrier from their own IQ account. Your network's own franchisee count, or how few of your franchisees happen to serve this carrier, has no bearing on it at all.

Where to find it

Open Accounts from the HQ sidebar, at hq.verinode.ai/carriers. The page opens on the Carriers pill (first of Carriers · TPAs · Commercial). Click any carrier tile, in any row on the page (Slowest Payers, Broadest Network Footprint, Heaviest Pushback, or All Carriers), to open that carrier's detail overlay.

The Verinode Score sits in the slot hero at the very top of the overlay, directly under the modal's title bar (which reads the carrier's name). It is the first thing you see after the overlay finishes loading.

The hero, top to bottom

The hero is three pieces, left to right and top to bottom:

  1. A round carrier logo (or a generated placeholder when Verinode doesn't have one on file), on the left.
  2. An eyebrow line: "Insurance carrier" followed by how many of your franchisees serve this carrier ("1 franchisee serving" or "N franchisees serving") and, when known, the date of the carrier's last completed job with your network ("Last job Jun 12, 2026").
  3. The score line, directly under the eyebrow: either a scored number, its label, and (sometimes) a Provisional badge, or the plain sentence "Not yet rated by operators" when no score exists yet.

That score line is what this article covers in depth.

Note

The hero (logo, eyebrow, and score line) always renders, even for a carrier your network barely works with. Everything below the hero, billed dollars, days-to-pay, satisfaction, supplement pushback, and the per-franchisee breakdown, is what gets suppressed when a carrier falls below your network's privacy floor (see "Why this score ignores your network's privacy floor" below). The Verinode Score is the one figure in the whole overlay that is never affected by that floor.

The number and its scale

A scored carrier shows a number from 1.0 to 10.0, to one decimal place, in the largest text on the page. Next to it, in a smaller uppercase label, "Verinode Score" is followed by a dot and a plain-language label word (covered next). Nothing else on the carrier overlay uses this typography treatment; it is reserved for this one number.

The label: Strong, Solid, Mixed, Weak

The word next to "Verinode Score" is a plain-language read on the number, so you never have to memorize where the cutoffs sit:

  • Strong: 8.0 and above
  • Solid: 6.5 to just under 8.0
  • Mixed: 4.5 to just under 6.5
  • Weak: below 4.5

Tip

These bands are specific to carriers and TPAs, the entities operators rate on lived experience (payment speed, fairness, communication) rather than the broader research-dimension model used for software, equipment, and other vendor categories. If you've read The Verinode Score on vendors and entities, don't carry those cutoffs over here; carriers and TPAs use their own scale.

What feeds the score

A carrier's Verinode Score blends two kinds of evidence into one weighted average, then scales it to the 1-to-10 range:

  • Peer experience, contributed by operators across the whole Verinode network who have rated this carrier on the criteria that actually matter to a restorer: payment speed, scope fairness, communication, whether the carrier respects a documented estimate instead of lowballing it, and supplement approval behavior. Two of those criteria (payment speed and supplement approval) are derived automatically from an operator's own job data with the carrier rather than typed in by hand; the rest come from a direct 1-to-5 rating an operator gives the carrier.
  • Financial strength, a researched component built from the carrier's independent AM Best insurer rating, not from peer input at all. This answers a different question than the peer criteria: not "do they treat claims fairly," but "are they financially sound enough to be relied on to pay at all."

Verinode doesn't guess at a criterion it has no evidence for. A criterion with nothing behind it is simply left out of the blend rather than defaulted to some assumed middle value, so a gap in one criterion never silently drags the score down.

A carrier needs a reasonable spread of evidence across more than one of these pieces before Verinode is willing to show a number at all. A carrier with, say, only a financial-strength rating on file and nothing yet from peer experience won't show a partial or misleading score; it shows the not-yet-rated state below until enough is in.

The "Not yet rated by operators" state

When Verinode doesn't yet have enough evidence to compute a score for a carrier, the score line reads plainly:

Not yet rated by operators

No number, no label, no Provisional badge accompanies this state; they only ever appear together with an actual score. This is common for carriers that are newer to the catalog, smaller regional writers, or ones few operators across the network have rated yet. As more operators log ratings for this carrier (through their own peer-rating workflow when they work a claim with it) and its AM Best rating is on file, the score appears on its own; there's nothing for HQ to configure or trigger.

The Provisional badge

When a carrier does have a score, a small amber Provisional pill can appear immediately to the right of the label. Hovering it shows:

Provisional score, based on Verinode research. Becomes final once the Operator Advisory Council weights this category and peer operator ratings accumulate.

In plain terms: a carrier's score can be well-evidenced and still carry this badge. Provisional describes how settled the number is, not how thin the underlying research is. It drops away once ratings from enough distinct operators across the network have accumulated behind the carrier's peer criteria that the score's confidence firms up. Until then, the number is real and usable, it's simply still capable of moving more than a finalized score would as more operators weigh in.

A carrier can show a Strong 8.4 and still be Provisional. Read the number and label as your working signal either way; Provisional is a flag on how much the number might still shift, not a discount on its accuracy today.

Why this score ignores your network's own privacy floor

Everything else in the carrier overlay, billed dollars, days-to-pay, satisfaction, supplement pushback, and per-franchisee participation, is your network's own aggregated data, and it is gated by a cohort floor: if too few of your franchisees serve a given carrier, HQ sees an aggregate-only disclosure instead of the real figures, because showing them would risk identifying a single franchisee's private billing relationship by elimination.

The Verinode Score is exempt from that gate entirely. It isn't built from your franchisees' data at all, it's built from the cross-operator catalog that every operator on the platform (across every network, not just yours) contributes to and reads from. Naming a carrier's Verinode Score never risks exposing anything about one of your own franchisees, because your franchisees aren't the source of it. That's why the score line at the top of the hero renders even when the rest of the overlay is replaced with the aggregate-only message.

Don't confuse it with Avg satisfaction below

Directly below the hero, when your network clears the privacy floor, one of the four headline figures reads Avg satisfaction, a number out of 10 with a count of peer ratings underneath ("N peer ratings" or "No ratings yet"). It looks similar to the Verinode Score at a glance, both are numbers out of 10 tied to operator opinion, but they answer different questions:

| | Verinode Score (hero) | Avg satisfaction (headline figure) | |---|---|---| | Scope | Every operator on Verinode, network-wide | Only your own network's franchisees | | Gated by your privacy floor? | No | Yes, hidden in the aggregate-only state | | Built from | Peer ratings across several criteria plus AM Best financial strength | Your franchisees' overall satisfaction rating with this carrier | | Where else it shows | The Carriers & TPAs league table in Benchmarks | Only on this overlay |

Read the Verinode Score as "how does this carrier rate across the industry." Read Avg satisfaction as "how does our network specifically feel about this carrier." A carrier can run Strong industry-wide while your own franchisees report a mediocre Avg satisfaction, or the reverse, and either combination is a real, useful signal, not a contradiction to resolve.

Where else this same score shows up

The exact same number and label appear as the Trust column in the Carriers & TPAs league table under HQ Benchmarks, described in Carriers & TPAs tab in network view. That tab is the industry-wide, outside-in read on every carrier and TPA in Verinode's catalog, independent of whether your network works with them at all. The Verinode Score on this carrier's own detail overlay is the same figure, read in the context of a carrier your network actually has a relationship with.

How to use it

  1. 1Read the label first (Strong / Solid / Mixed / Weak), then the number. The label tells you the tier at a glance; the decimal is for tracking whether the carrier's standing moves over time.
  2. 2Check for the Provisional badge before treating the number as settled. A Provisional Strong score is still a useful signal, just one that can move more as more operators across the network rate this carrier.
  3. 3Treat "Not yet rated by operators" as a data gap, not a red flag. It says Verinode doesn't have enough evidence yet, not that the carrier is unproven or risky.
  4. 4Read the Verinode Score alongside Avg satisfaction just below it (when visible), not instead of it. One is the industry-wide read, the other is your own network's experience.
  5. 5If you want the fuller industry context, cross-reference the same carrier in the Carriers & TPAs league table under Benchmarks, where it sits next to pushback, approval, response time, and pay time across the whole market.

Best-practice example

Say a carrier's overlay opens showing 7.8 Solid, with a Provisional badge next to it. Below it, your network's own Avg satisfaction reads 8.6 from a handful of peer ratings, and the days-to-pay figure runs comfortably inside your target. Read together: the industry-wide evidence on this carrier is good but not yet fully settled, while your own franchisees' direct experience with it is even better than the industry-wide read suggests. That's not a conflict, it's exactly the kind of nuance the two numbers are built to surface separately: a leadership team deciding whether to lean into this carrier relationship gets both the outside-in signal and the inside read, instead of one number standing in for both.

Related articles

Data sources

Data sources

  1. 1.Carrier Verinode Score, label, and provisional status. Verinode research layer, the benchmark data.
  2. 2.Peer-experience criteria feeding the score (payment speed, scope fairness, communication, estimate respect, supplement approval). Operators across the Verinode network.
  3. 3.Financial-strength component. AM Best insurer ratings.
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