Case Study: National QSR Brand

Client Overview

The client is a leading quick-service restaurant (QSR) brand in the United States operating more than 13,000 locations nationwide across corporate and franchise ownership. Prior to this engagement, property data and documentation were handled inconsistently across regions, resulting in uneven data quality and gaps that complicated underwriting and renewals.

Working with its global insurance broker, the client sought a national program that would standardize COPE data and provide verifiable imagery at scale, benefiting both corporate risk teams and individual franchise owners.

Challenge

The client’s risk and brokerage teams faced underwriting delays tied to incomplete COPE information and missing verification. Many properties lacked consistent documentation for secondary modifiers or roof/exterior conditions, and limited roof access made traditional inspections difficult. Without standardized, verifiable datasets, carriers applied greater scrutiny and renewals slowed.

Manual, paper-based processes further contributed to inconsistent formats and data gaps, creating friction between corporate, franchise operators, and the broker during renewal cycles.

Solution

413 Solution launched a nationwide COPE and imagery verification program that served both corporate risk and the distributed franchise network.

• Standardized digital COPE data collection for primary and secondary fields
• Drone-assisted inspections documenting roof conditions, HVAC systems, and surrounding exposures
• Photo-linked verification for every datapoint to ensure traceability
• Real-time synchronization and centralized QA aligned to broker and carrier submission requirements

The program ensured each inspected site received a verified property report with detailed COPE data and imagery, while corporate teams gained a consistent, auditable dataset across the entire network.

Execution

1. Pilot Phase (400 Locations). A pilot across 400 sites in higher-risk earthquake regions validated data collection protocols, drone workflows, and reporting standards. The team refined the process to minimize operational disruption while maintaining consistency.
2. Nationwide Rollout (13,000+ Locations). Using 413 Solution’s national field network of inspectors and drone operators, the program expanded to all franchise and corporate locations. Each inspection followed a uniform digital form with required photo verification and geotagged metadata.
3. Franchise Engagement and Support. Franchisees could request report copies and confirm inspection completion through program support channels, encouraging participation and delivering direct value to owners.
4. Quality Assurance and Data Integration. All field data underwent multi-tier QA before delivery. Reports were formatted for the broker’s systems in insurer-ready templates to streamline underwriting and renewal workflows.

Results

The program produced insurer-ready COPE documentation with verified imagery across the national portfolio. The broker and client reported faster renewal preparation, fewer clarification requests from carriers, and improved underwriting confidence. The standardized, image-linked reports also strengthened collaboration among corporate risk, franchise stakeholders, and underwriting teams.

• Pilot of 400 sites in earthquake-prone regions completed in under 30 days
• Expansion to a nationwide program covering more than 13,000 locations
• Consistent COPE datasets and photo verification across regions and ownership types
• Improved clarity and speed in renewal submissions and marketing to carriers

The unified dataset now serves as the single source of truth for property-level risk information and pre-loss documentation.

Deliverables

• Verified COPE and secondary modifier data for all locations
• Linked photo and drone imagery for each datapoint
• Centralized QA validation aligned to insurer-ready formats
• Broker submission files compatible with carrier data templates
• Secure digital report access for corporate and franchise stakeholders
• Executive summaries supporting internal risk and underwriting use

Impact

The engagement standardized risk information across a complex portfolio and improved the speed and quality of renewals. Corporate risk teams, franchise owners, and the broker now work from a single, verified dataset—supporting clearer underwriting submissions and more informed insurance purchasing decisions.

The comprehensive imagery archive also provides pre-loss documentation that supports claims and future site planning, while the repeatable framework ensures ongoing data integrity and portfolio transparency.