Case Study: National Specialty Retailer 

Client Overview

A national specialty retailer was engaged via a large corporate insurance broker to standardize COPE data across a dispersed portfolio of 1,500+ U.S. locations. Legacy documentation practices created uneven data quality and incomplete risk records across regions.

 

Challenge

The portfolio had inconsistent COPE (Construction, Occupancy, Protection, Exposure) data and limited photo verification—slowing renewals and creating friction with underwriters. Physical access constraints (rooftops, rear delivery areas) and non-uniform reporting compounded the issue, making it difficult to present verifiable submissions at scale.

Specifically:

• COPE data varied widely in completeness and formatting.
• No standardized imagery to verify building features or protection systems.
• Limited visibility into facility conditions (e.g., hose types, water heater date, electrical practices) introduced uncertainty in loss exposure.
• Operational teams lacked consistent documentation of delivery access points, door configurations, and ADA aisleway compliance.

Solution

413 Solution deployed a nationwide COPE and imagery verification program in coordination with the broker’s risk team. Each inspection followed insurer-approved data standards plus client-specific fields.

Deliverables included:

• Verified COPE and secondary modifiers aligned to carrier templates.
• Standardized ground and aerial imagery documenting roofs, exteriors, and exposures.
• Customized operational datapoints, including:

• Hose type (braided vs. rubber) at sinks and washers.
• Water heater installation date and visible condition.
• Evidence of leaks at sinks/restrooms/storage areas.
• Power strip usage and electrical load practices.
• Sprinkler clearance; fire extinguisher inspection date/status.
• ADA aisleway accessibility observations.
• Identification of each location’s security provider.

A single, standardized report captured underwriting and operational data—providing auditable submissions for carriers and actionable intelligence for maintenance and compliance.

Execution

The program ran in three phases:

1) Design & Alignment. Finalized inspection criteria with the broker’s risk engineering group to capture all insurer fields plus client priorities.

2) Nationwide Deployment. Leveraged 413 Solution’s national field network of certified inspectors and drone pilots to complete standardized inspections at all 1,500+ locations with geotagged photos and verified COPE data.

3) QA & Data Delivery. Applied multi-tier QA, delivered carrier-formatted exports, and generated store-level reports for operations and logistics stakeholders.

Results

Created a consistent, audit-ready dataset across 1,500+ locations within a 120-day window. Verified COPE and imagery improved carriers’ ability to validate protection and exposure details, supporting cleaner renewals and faster turnaround.

Operational insights for the client included:

• Preventive replacement programs for rubber hoses to reduce water losses.
• Closed compliance gaps via documented extinguisher dates and sprinkler clearance checks.
• Maintenance and capital planning informed by water heater age/condition.
• Improved accessibility assurance with ADA/aisleway verification.
• Logistics optimization through delivery-door documentation (vehicle/packaging match).

Deliverables

• Verified COPE + secondary modifiers for 1,500+ locations.
• Linked imagery for every datapoint via secure digital access.
• Store-level facility reports summarizing maintenance/compliance findings.
• Centralized QA validation logs for audit purposes.
• Broker-formatted exports compatible with carrier systems.
• Portfolio summaries highlighting recurring risks and maintenance trends.

Impact