For large franchise systems and multi‑site brands, consistent and verified property data is essential to understanding true exposure across thousands of locations. 413 Solution’s nationwide COPE inspection program delivers high‑quality, insurer‑ready data, enabling more informed underwriting, better portfolio‑level insights, and stronger risk governance.
Why It Matters
Even when locations are franchise‑owned, corporate entities retain exposure in the form of:
- Reputation and business‑continuity risk from regional catastrophes.
- Master or contingent insurance programs that depend on accurate data.
- System‑wide standards compliance tied to construction, protection, and safety.
Accurate COPE (Construction, Occupancy, Protection, Exposure) data—including primary and secondary modifiers like roof geometry, electrical upgrades, and fire‑protection details—lets corporate risk and insurance teams model and mitigate exposure holistically.
Program Deliverables
- Nationwide field inspections capturing verified COPE data and site imagery.
- Integration of primary and secondary modifiers aligned with underwriting standards.
- Digital reporting and portfolio dashboards for quick visualization and export.
- Geo‑mapped exposure summaries supporting catastrophe modeling and disaster planning.
Strategic Benefits
- Portfolio‑Level Risk Visibility: Identify exposure clusters and protection gaps before losses occur.
- Informed Insurance Decisions: Reduce surprises during renewals with verified property conditions.
- Operational Consistency: Benchmark real‑world conditions against design and safety standards.
- Resilience Planning: Prioritize regions for upgrades or disaster‑response initiatives.
- Carrier Collaboration: Streamline submission packages and improve underwriting efficiency.
Potential ROI
Verified data creates lasting value by strengthening underwriting accuracy, reducing claims uncertainty, and supporting proactive risk management.
- Risk Transparency – Eliminates blind spots, enabling proactive mitigation.
- Underwriting Efficiency – Reduces binding delays and follow‑up requests.
- Loss Avoidance – Enables targeted improvements that prevent costly losses.
- Brand Resilience – Protects reputation and continuity during regional events.
- Data Leverage – Supports ESG, compliance, and leadership reporting with standardized intelligence.
