Insurance Risk: which franchisees have policies expiring inside 90 days

What the Insurance Risk row shows

Every restoration vehicle on the road needs an active commercial-auto policy behind it, and every one of those policies has an end date. A lapsed policy on a truck that is still out on jobs is an uninsured vehicle, and a policy that is drifting toward its renewal date without a plan in place is exactly the kind of thing that is easy to miss at the franchisee level and expensive to discover after the fact. The Insurance Risk row is where Verinode HQ surfaces that exposure across the whole network in one place: which franchisees currently have an active commercial-auto policy ending inside the next 90 days, how many, when the soonest one lapses, and whether that franchisee is paying more or less than the rest of the network for the coverage they carry.

Verinode does not bind, renew, or shop insurance on anyone's behalf, and it is not an insurance broker. It reads the policy end dates and premium figures each franchisee already has on file in their own Verinode IQ account and rolls the ones expiring soon up into this row so leadership can see where to check in before a policy actually lapses. Whether and how to reach out is a leadership decision, not something Verinode initiates automatically.

Where to find it

Open Assets from the HQ sidebar. Assets is a single sidebar entry that opens onto a page with three pills across the top: Facilities, Fleet, and Equipment. Click Fleet (hq.verinode.ai/fleet) to land here.

The Fleet page is arranged in five sections, top to bottom:

1. A hero panel: total active vehicles across the network, total mileage, annual premium, and a Policies expiring 90d count.
2. Insurance Risk, this row.
3. Compliance & Driver Risk, franchisees with overdue services, expiring registrations, expiring DOT inspections, expired driver licenses, or stale MVR pulls.
4. Accidents, franchisees with at-fault accidents in the last 36 months.
5. Fleet by Franchisee, every franchisee with registered vehicles, by count.

This article covers row 2 only. The hero panel's own Policies expiring 90d tile is a related but separate number, network-wide instead of per-franchisee, see "How this row relates to the hero tile" below.

Which franchisees appear, and in what order

A franchisee appears in this row only if they currently have at least one active commercial-auto policy ending inside the next 90 days. A franchisee whose entire policy book is current, with nothing due for renewal in that window, does not appear here at all, no matter how many vehicles they run.

The row sorts by policies expiring inside 90 days, largest count first. A franchisee with three policies coming due sits above one with a single policy coming due. When two franchisees carry the same count, the tie holds the order they already had coming in, which is the network's active-vehicle-count ranking, so a larger fleet with a tied count tends to sit slightly higher; it is not a tiebreak on which franchisee's next policy lapses soonest. Up to six franchisee tiles show in the row.

Reading a tile

Each tile in this row uses the platform's Take Action framing: a solid accent-colored rail down the left edge, and the label rendered as a filled chip instead of a plain caption, the same visual language used for signal tiles everywhere else in the app. Reading left to right, top to bottom:

• Icon: a small truck glyph in the header, the same Fleet-section icon used across every tile on this page (Verinode does not yet have a dedicated insurance glyph, so the Fleet icon carries the color signal instead). It renders in the tile's accent color, Ember Red or Hard Hat Yellow depending on severity, see below.
• Label chip: reads Multiple or Expiring. This is a severity read on the count, not a description of anything else about the policy: a franchisee with two or more active policies expiring inside 90 days gets the Multiple chip in Ember Red; a franchisee with exactly one policy expiring gets the Expiring chip in Hard Hat Yellow. That threshold is lower than the equivalent severity split on the Compliance & Driver Risk row below it (which needs five or more combined overdue items to read "Multiple"), because most franchisees carry only a small handful of commercial-auto policies in total, so two coming due at once is already a meaningful cluster worth flagging.
• Headline: the franchisee's name, or, in an anonymized network, their stable Franchisee #XXXX label (see "Privacy: what HQ can and cannot see" below). Because this is a Take Action tile, the name renders as a compact bold heading rather than the large tabular-numeral treatment used on plain metric tiles.
• Dot-grid preview: a small grid of dots representing that franchisee's active vehicles, up to 28 dots shown. The number of dots colored in the flagged tone, Ember Red for a Multiple tile, Hard Hat Yellow for an Expiring tile, matches the count of policies expiring in the window; the rest of the dots render in a dim neutral shade. This is a proportion visual, not a map to specific vehicles, it does not say which vehicle's policy is which, only how much of the fleet the expiring count represents relative to its size. If a franchisee's expiring-policy count happens to exceed its active-vehicle count (for example, a franchisee running one blanket policy that layers a liability and a physical-damage renewal on the same date), the grid caps the flagged dots at the total shown rather than overflowing. The grid is skipped entirely when a franchisee has zero active vehicles on file.
• Sub line: a plain count, for example "2 policies ending in 90d" (or "1 policy ending in 90d" for a single expiring policy).
• Meta line: up to two pieces of information joined by a middle dot:

- Next \<date\>, the soonest end date among that franchisee's expiring policies, shown as the raw date on file. This tells you which franchisee's clock is running out fastest even before you click in, two franchisees can share the same expiring count while one has thirty days to renew and the other has eighty-five. - The premium-gap-vs-peer figure, see the next section. When this figure has not been computed for a franchisee (not enough premium or vehicle data on file for them or for the network), it is simply left off the line rather than shown as a placeholder.

Clicking anywhere on a tile opens that franchisee's Fleet detail overlay: a scoped modal with a Group / Regional / National scope switcher and three sections, Fleet shape (vehicle counts, age, premium, and ownership mix), Compliance (registrations, inspections, overdue services, driver license and MVR posture), and Safety (accidents and at-fault counts). It does not open the franchisee's private policy documents or vehicle records directly, it stays inside the same network-level rollup HQ is permitted to see.

The premium-gap-vs-peer signal

Alongside the next-expiry date, a tile's meta line can carry a dollar figure like "+$3k/yr vs peer" or "-$3k/yr vs peer." This is the same premium-gap figure that also appears on the Fleet by Franchisee row further down the page, it is not unique to Insurance Risk, but it is exactly the kind of context that matters when a franchisee's policy is about to renew: is this a good moment to also revisit what they're paying.

How it is computed. Verinode takes each franchisee's total annual commercial-auto premium and divides it by their active vehicle count to get a premium-per-vehicle figure. It then compares that franchisee's premium-per-vehicle against the median premium-per-vehicle across every other franchisee in your own network who has both premium and vehicle data on file, and multiplies the difference by that franchisee's vehicle count to turn a per-vehicle gap back into a whole-fleet dollar figure.

Reading the sign. This is the detail worth getting right: a plus sign means the franchisee is paying less than the network's own median per vehicle, a favorable gap. A minus sign means they are paying more than the median, an unfavorable gap worth a conversation at renewal. It is easy to misread a minus sign as "this franchisee is under-covered" or a plus sign as "they're spending more," so read it the other way: minus is spending more, plus is spending less.

What it is compared against. This is a comparison against your own network's franchisees, computed from the same data your Fleet page already shows, not against a cross-network or industry-wide insurance benchmark. If you want a genuine cross-network premium comparison, that lives in Benchmarks, a separate part of the platform with its own methodology; this figure is scoped to your network only.

When it's missing. The figure is left off a tile's meta line whenever this franchisee has no premium or vehicle data on file, or whenever the network doesn't yet have enough franchisees reporting both premium and vehicle figures to compute a median to compare against. A missing premium-gap figure is not an error state, it just means one side of the comparison, this franchisee's, the network's median, or both, isn't populated yet.

How this row relates to the hero tile

The Fleet page's hero panel carries its own Policies expiring 90d secondary tile, a single network-wide count (the sum of every franchisee's expiring-policy count) with its own Next \<date\> sub-line showing the single soonest policy end date across the entire network. That hero tile is a different, aggregate number from anything on an individual Insurance Risk tile, think of the hero as "how big is this problem for the network as a whole" and this row as "which specific franchisees are driving that number."

On Verinode's own demo accounts only, the hero's expiring-policies tile can also carry a short "vs national" comparison clause appended after the sub-line. That comparison is a synthetic stand-in computed against Verinode's internal demo-account cohort, not a real cross-network insurance benchmark, and it never appears on a real, live HQ network. The Equipment section's equivalent article walks through exactly the same mechanism in full; the logic and the reasoning behind it are identical for Fleet.

Privacy: what HQ can and cannot see

Verinode HQ is the network intelligence layer, not a window into any single franchisee's private insurance policies. Franchisees own their fleet and policy records; HQ sees the aggregate rollup, not the underlying documents.

How franchisee identity displays on this row depends on your network's data posture, set once at the group level:

• Independent-operator networks (the default, and the safer posture for a franchise or association where locations are run as separate businesses): every franchisee's real name is replaced with a stable label in the form Franchisee #XXXX, built from a fixed suffix off that franchisee's own account ID. The same franchisee shows the same label every time you visit, so you can track a specific franchisee's insurance posture over time without ever learning which business it is.
• Same-entity networks (a single multi-location enterprise or a PE-backed roll-up operating as one legal business): real franchisee names surface directly, since there is no separate-business privacy boundary to protect in that model.

The hero panel confirms which mode you're in: when franchisee rows are anonymized, its sub-line appends "Franchisee rows are anonymized (independent-operator network)."

Small-network suppression. In an independent-operators network, if your active franchisee count is currently below three, the Insurance Risk row (along with Compliance & Driver Risk, Accidents, and Fleet by Franchisee) is suppressed entirely, even though the hero aggregates above it still show in full. A copper-accented notice appears above the rows instead: "Aggregate-only view. Your network currently has fewer than three active operators, so per-franchisee fleet posture tiles are suppressed to protect operator privacy (small-cohort identification risk). Hero aggregates still surface. Tiles return once the network reaches 3+ active operators, or change the network data posture in Settings → Group → Data posture." This exists because in a network of only one or two franchisees, an anonymized Franchisee #XXXX tile is still identifiable by process of elimination, so Verinode holds the per-franchisee rows back until the network is large enough that anonymization actually protects identity. Same-entity networks are not subject to this guard. The Equipment section's privacy-boundary article documents the full three-layer mechanism (core-only reads, name anonymization, and this network-size floor); it applies identically to Fleet.

Empty state

When no franchisee in your network currently has an active commercial-auto policy expiring inside the 90-day window, the row shows a single line in place of tiles: "No active commercial-auto policies expire inside the 90-day window." This is a genuinely clean state, every franchisee's policy book is current with nothing due for renewal in the near term. It is distinct from the small-network suppression notice above: the empty-row message means there is nothing to show, the suppression notice means there could be something to show but the network is too small to display it per franchisee without a privacy risk.

How to use this row

1. 1Scan for any tile carrying the Multiple chip (Ember Red). These franchisees have two or more policies converging on renewal at once and are worth the first check-in.
2. 2Read the Next \<date\> on every tile, Multiple and Expiring alike, and sort your own outreach by whichever dates are closest, not just by which tile carries the louder chip. A single-policy Expiring tile with a date next week is more urgent than a Multiple tile whose soonest date is two months out.
3. 3Note the premium-gap-vs-peer figure where it appears. A franchisee approaching renewal with a meaningful minus figure (paying above the network median) is a natural moment to raise a rate conversation alongside the renewal itself, rather than a separate outreach later.
4. 4Click a tile to open that franchisee's Fleet detail overlay for the fuller picture, fleet shape, compliance posture, and safety history, before you reach out.
5. 5Cross-check against the Compliance & Driver Risk row below: a franchisee showing up in both rows is facing a renewal deadline and an open compliance gap at the same time, the combination worth the most immediate attention.

Related reading

• HQ overview: what the HQ platform is and how the sidebar sections fit together.
• Network Health: the network home: the network-wide compliance and health picture Fleet feeds into.
• HQ Compliance: how fleet and insurance exposure relates to your network's broader compliance posture.
• Maintenance & Calibration Risk row: the Equipment section's equivalent risk row, same pattern applied to overdue service and calibration instead of policy expiry.
• The privacy boundary: aggregates, k-anonymity and small-network suppression: the full three-layer privacy mechanism, identical for Fleet.
• The 'vs national' deltas on hero tiles (and why real groups see none): the demo-only national comparison mechanic referenced above, same logic for Fleet's hero.
• Benchmarks at HQ: for a genuine cross-network premium or fleet-cost comparison, separate from this row's own-network-only premium-gap figure.

Data sources