Accounts cluster: Carriers, TPAs & Commercial

What the Accounts cluster is

Accounts is the revenue-in side of your network. It is where Verinode HQ aggregates every dollar your franchisees bill to the three kinds of counterparties that pay for restoration work: insurance carriers, the third-party administrators (TPAs) who administer claims on a carrier's behalf, and commercial clients who pay you directly with no insurance claim involved.

That is deliberately distinct from two other clusters in the sidebar. Vendors is the spend-out side (subcontractors, suppliers, equipment rental) and Assets is what the network owns (facilities, fleet, equipment). Accounts is money coming in, not money going out.

Verinode HQ never sees a single franchisee's private books to build these pages. Each franchisee's own Verinode IQ account rolls its billing, collections, and client activity up nightly into network-wide aggregates. HQ reads those aggregates, rankings, and (where the network's data posture allows it) named cross-location detail. Individual invoices, line items, and client contact information stay inside each franchisee's own IQ account.

Where to find it

Open Accounts from the HQ sidebar at hq.verinode.ai. The sidebar entry routes to /carriers, the first of the three pages. From there, a pill-shaped tab strip lets you switch between:

• hq.verinode.ai/carriers (Carriers)
• hq.verinode.ai/tpas (TPAs)
• hq.verinode.ai/commercial (Commercial)

The sidebar's Accounts item stays highlighted as active on all three URLs (and on any per-carrier, per-TPA, or per-client detail page nested under them), because they are one cluster with one entry point.

All three pages share the same page shell: a sticky title reading ACCOUNTS at the top, a hero panel with the headline number for that page, then a stack of horizontally-scrolling tile rows underneath. Only the content changes; the layout, the pill strip, and the header stay put as you move between tabs.

The pill nav

Directly under the ACCOUNTS title sits a rounded capsule with three pills: Carriers, TPAs, Commercial. The pill for whichever page you're on fills solid in copper; the other two sit transparent with muted text. Click a pill and it navigates you to that page's own URL, there's no shared parent route or client-side tab swap under the hood, each pill is a real link.

1. 1Land on Accounts from the sidebar. You arrive on Carriers by default.
2. 2Click the TPAs pill to see the TPA side of the same revenue-in relationship. Carrier and TPA data live in separate rollups because a TPA administers a claim on a carrier's behalf, so the same job can touch both.
3. 3Click the Commercial pill to see direct B2B work with no insurance carrier or TPA in the loop at all.
4. 4Use the pill strip to move back and forth as you work through the network's revenue picture. Your place on each page is preserved (in a fresh page load) if you switch away and back.

Why three separate pages instead of one combined view: carriers, TPAs, and commercial clients are different kinds of counterparties with different metrics that matter (an insurance carrier's payment speed and supplement pushback aren't the same shape of number as a commercial client's billed spend), so each gets its own hero and its own set of tile rows tuned to what's actually useful for that relationship type.

Carriers

What it is. One row per insurance carrier your network has billed, canonical across every franchisee that has worked with that carrier. This is a per-counterparty rollup, not a per-franchisee one: the story here is "the network delivers $X to Carrier Y across N franchisees," which is the leverage story you'd bring to a rate negotiation.

The hero. The headline number is the count of distinct carriers the network has billed. A pill beside it reads how many of those carriers are served by more than one franchisee (a multi-franchisee count), or "No data yet" if the network hasn't billed any carrier yet. Below the headline, a line of context reads the total jobs billed to carriers over the trailing 36 months, how many of those landed in the last 30 days, and which carrier tops the list by dollars billed. If any carriers are hidden from the tile rows below (see Privacy further down), the line notes how many were hidden.

Three secondary figures sit beside the headline:

• Billed 36mo: total dollars billed to carriers across the network over 36 months, with collected dollars underneath.
• Jobs last 30d: job count in the last 30 days, with the 36-month total underneath.
• Avg days-to-pay: the network's payment-speed average across carrier jobs. It reads "Inside 30-day target" at 30 days or under, and turns from green to yellow to red as it climbs past 30 and then 60 days, or "Awaiting payment data" if nothing has been recorded yet.

Slowest Payers. The carriers with the worst average days-to-pay, so a chronically slow payer surfaces before it becomes a cash-flow problem for the franchisees serving it. Each tile shows the day count, the carrier name, how many franchisees are serving that carrier, and the dollars billed to it over 36 months. Tiles past 60 days flag red; under that, yellow. If no payment-cycle data has come in yet, the row reads: "Payment-cycle data appears once franchisees record days_to_pay on completed jobs."

Broadest Network Footprint. Carriers ranked by how many franchisees serve them, widest reach first. This is the "which carrier relationship is truly network-wide, not just one location's" view, useful for spotting which carrier is worth a network-level conversation versus a single-office one. Each tile shows the franchisee count, carrier name, jobs over 36 months, and dollars billed. Empty state: "Network footprint by carrier will appear once franchisees register their carrier relationships."

Heaviest Pushback. Carriers cutting the most supplement dollars across the network, ranked by dollars denied first, then by denial rate. A tile shows the dollar amount cut (or just "Denied" if no dollar figure is available), the carrier name, the share of supplement dollars it denies, how many points that denial rate has moved in the last 30 days (only shown when it's risen), and the franchisee count. Denial rates of 30% or higher flag red; below that, yellow. Empty state: "Supplement denial data appears once franchisees record supplements with carriers across the network."

All Carriers. Every visible carrier, sorted by dollars billed over 36 months, highest first. Each tile carries the billed figure (or "No billing"), franchisee count, job count, average days-to-pay, and the network's average satisfaction rating for that carrier (to one decimal), where those figures exist. Empty state: "No carrier relationships rolled up yet. Data appears after the next nightly aggregation."

TPAs

What it is. The mirror of Carriers, one row per canonical TPA. A TPA administers claims on behalf of one or more carriers, so it has its own payment cadence and, distinctly from carriers, its own fee structure: TPAs typically charge a fee for administering the claim, on top of whatever the carrier pays out.

The hero. Same shape as Carriers: a headline count of distinct TPAs, a multi-franchisee pill, and a context line covering jobs over 36 months, jobs in the last 30 days, the top TPA by billed dollars, and any hidden-carrier count. If the network hasn't billed a TPA yet, the line reads: "TPA data will appear as franchisees record TPA-administered claims."

The three secondary figures swap one thing out from Carriers: Billed 36mo and Avg days-to-pay work the same way, but the middle figure is Avg admin fee, the average fee amount reported across franchisees, reading "Awaiting fee data" until fee figures start coming in.

Slowest Payers, Broadest Network Footprint, Heaviest Pushback. Structured identically to the Carriers versions of these three rows, same tile shapes, same color thresholds (60 days for payment risk, 30% denial rate for pushback), same visual language. The only difference is that they read from TPA-administered jobs instead of direct carrier jobs, and the empty-state copy says "TPA-administered jobs" / "TPA relationships" / "TPAs" instead of the carrier equivalents.

All TPAs. Every visible TPA sorted by billed dollars, with franchisee count, job count, days-to-pay, and the fee amount formatted by fee type: a percentage-basis fee reads like "$X (% basis)", a flat fee reads "$X flat", and a per-claim fee reads "$X/claim." Empty state: "No TPA relationships rolled up yet. Data appears after the next nightly aggregation."

Commercial

What it is. Commercial is structured differently from the other two pills, because a commercial client isn't a canonical, network-wide counterparty the way a carrier or TPA is. Each franchisee's book of direct-pay commercial clients is its own, so this page blends two views: a per-franchisee rollup of each location's commercial book size and concentration, and a cross-franchisee rollup of the commercial clients that show up by name across more than one franchisee.

The hero. The headline is the count of active commercial clients across the network. The pill beside it reads how many franchisees have any commercial billing, or "No data yet." The context line covers commercial jobs over 36 months, retail jobs over 36 months (retail meaning insurance-paid work, shown for contrast), and the network's top commercial client by name. If your network's data posture anonymizes franchisee identities (see Privacy below), the line adds a note that franchisee rows are anonymized.

Three secondary figures: Commercial billed 36mo (with retail billed underneath for comparison), Top client billed (the single largest commercial client's 36-month billing, with that client's name underneath), and Avg days-to-pay on commercial work specifically, with the same "Inside 30-day target" / color-graduated language as Carriers and TPAs.

Top Commercial Clients by Spend. The largest commercial clients across the whole network by dollars billed, regardless of which franchisee serves them. Each tile shows the billed figure, the client's display name, how many franchisees serve that client and how many jobs, and days-to-pay where available. Empty state: "Cross-franchisee commercial clients will appear here once jobs flow through with named clients." If any single-franchisee clients exist but are hidden from view (see Privacy), the empty-state text also notes how many.

Most Shared Commercial Clients. Commercial clients billed by more than one franchisee, ranked by franchisee count. This row only shows clients with real network footprint, a client served by exactly one franchisee already appears in the spend row above, so it isn't duplicated here. Each tile shows the franchisee count, client name, job count "across the network," and billed dollars. If no commercial client is shared across more than one franchisee yet, the row reads: "No commercial clients are served by more than one franchisee yet. Cross-network clients appear here when the network bills the same client through multiple operators."

Concentration Risk. Franchisees where more than half of their commercial billing comes from a single client, the single-client dependency that turns "losing one account" into a structural problem for that location. Each tile is a larger, high-intensity tile (this row is meant to draw the eye) showing the concentration percentage, the franchisee's name, the top client's name, and the dollars that top client represents. Tiles at 75% concentration or higher flag red; below that, yellow. If nothing in the network crosses the 50% threshold, the row reads: "No franchisee shows more than 50% of its commercial book on a single client."

Largest Commercial Books. Franchisees ranked by commercial dollars billed, largest first, framed in the code as recruitment-story material, this is the row you'd point a prospective franchisee to as proof the commercial side of the business scales. Each tile shows the billed figure, franchisee name, client and job counts, and the top client's name. Empty state: "Largest commercial books will surface here once franchisees record commercial-job revenue."

All Franchisees. Every visible franchisee's commercial book, sorted by commercial dollars billed. Each tile shows the billed figure, franchisee name, commercial vs. retail client counts, job count, and days-to-pay. Empty state: "No franchisees rolled up yet. Data appears after the next nightly aggregation."

Drilling into a tile

Clicking a tile behaves differently depending on what kind of row it's in:

• A carrier or TPA tile opens that carrier or TPA's detail view: the same volume figures shown in the row, plus the full supplement-pushback breakdown, a Verinode peer score for that counterparty, and, where the data exists, a comparison of your network's supplement denial rate against the national industry rate for that same carrier or TPA.
• A franchisee tile on Commercial (Concentration Risk, Largest Commercial Books, All Franchisees) opens a peer-compare view for that franchisee's commercial book: client and job counts, billed dollars, collection rate, days-to-pay, and top-client concentration, each measured against a peer group you can switch between network-wide, regional, and national scopes. A metric only shows a peer comparison once enough peers exist in that scope to compare against without exposing any single peer's numbers; where the cohort is too thin, the tile says so instead of guessing.
• A commercial client tile (Top Commercial Clients by Spend, Most Shared Commercial Clients) opens that client's own detail page, since a commercial client is a network-wide account in its own right, not a franchisee.

Privacy: what stays hidden and why

Everything on these three pages is either a network-wide aggregate or a rollup keyed to a carrier, TPA, or commercial client, never a franchisee's raw books. Two additional guards sit on top of that baseline:

• Small-cohort suppression. A carrier, TPA, or commercial client served by too few franchisees is hidden from the row-level tiles (though it still counts toward every network-wide total in the hero), because showing a single-franchisee row would identify that franchisee by elimination regardless of what name is on it. This only applies to networks where franchisees operate as independent, separately owned businesses; networks that are a single legal entity across all locations don't need this guard since there's no separate-operator identity to protect.
• Name anonymization. In networks made up of independent, separately owned franchisees, per-franchisee tiles show a stable anonymized label instead of the real business name. In a single-entity, multi-location network, real location names pass through unchanged, since there's no separate operator whose identity needs protecting from the parent entity that already owns the data.

Both guards exist so that HQ can see the network's shape (payment cycles, concentration, pushback, footprint) without ever being able to reverse-engineer one franchisee's confidential numbers from the aggregate.

Best-practice example

Say you open Accounts and land on Carriers. The hero reads an average days-to-pay in the yellow band, and Slowest Payers shows one carrier well past 60 days billed across several franchisees, that's a network-wide conversation worth having with that carrier directly, not a one-off. Switch to the TPAs pill and Heaviest Pushback shows a TPA denying a high share of supplement dollars with a rising trend, worth a line-item pushback review before your next round of claims with that administrator. Switch to Commercial and Concentration Risk flags a franchisee with the bulk of its commercial billing sitting on one account, a candidate for a coaching conversation about diversifying that book before that single relationship becomes a structural risk if it's ever lost. Three different pills, three different counterparties, one coherent revenue-in picture of the network.

Related reading

• HQ overview
• Network health
• HQ benchmarks
• HQ compliance