The 27sources RowInsight resolves for every row. Every flag in the Brief cites the source keys it was grounded on; every value in the export is traceable to its source row. The Sources & Attribution sheet in every .xlsx export carries the same licence information shown below.
Who the policyholder is, what they're permitted to do, who's behind them, and what the public record says.
We resolve every row to a single Companies House record before any other source touches it. Status, incorporation date, accounts category, officers, PSCs, and the full charges register come back per row, with the official CRN as the join key.
Companies House Open Data Licence · source
Daily-refreshed match against the HMT consolidated UK sanctions list (~12k entries). We score the entity name and every officer / PSC, returning a confidence and the listing regime. Anything above 0.85 surfaces as a Block.
Open Government Licence v3.0 · source
For any row that resolves to a regulated firm, we pull authorisation status, permissions in scope, trading names, and disciplinary history. Lapsed permissions are surfaced as Concern.
FCA register terms · source
Director disqualifications, bankruptcy orders, winding-up petitions, and administration appointments. Cross-linked to Companies House officer IDs so a renamed disqualified director can't slip through.
Open Government Licence v3.0 · source
Live web search at submission time for litigation, regulatory action, and material press coverage in the last five years. Every claim is cited to a URL with publication date.
The synthesis layer. Per-row severity, a 2–4 sentence rationale that cites every source it draws from, and a recommended next step. Hallucinated citations are dropped before display.
Sector-specific regulators that materially change the risk picture for care, education, charity, and workplace-safety risks.
Provider and location ratings (Outstanding → Inadequate), regulated activities, and enforcement actions for every regulated care setting in England: care homes, GP practices, dental surgeries, hospitals, domiciliary care.
Open Government Licence v3.0 · source
Inspection outcomes for schools (state + independent), nurseries, sixth-form colleges, children's homes, and childminders. Inadequate or in special measures triggers safeguarding-claim exposure flags.
Open Government Licence v3.0 · source
Monthly-refreshed full register: status (Registered / Removed), governing document, classification, latest income / expenditure, employees, volunteers. Drives safeguarding and financial-distress flags for charity policyholders.
Open Government Licence v3.0 · source
Improvement Notices, Prohibition Notices, fatal-incident reports, RIDDOR injuries, and the convictions register going back five years. Open Prohibition Notices are auto-Concern.
Open Government Licence v3.0 · source
The address layer. Resolves the row to a real building and the structured datasets keyed to it.
UK postcode + admin geography lookup. Resolves to lat/lng, LSOA, ward, parliamentary constituency and region: the keys downstream postcode-indexed datasets need.
ONS Open Government Licence v3.0 · source
Ordnance Survey Unique Property Reference Numbers. When a UPRN is supplied we resolve to property-precision coordinates (a few metres) instead of postcode-centroid (~100m).
Open Government Licence v3.0 / OS Open Data Licence · source
INSPIRE polygons, Price Paid Data, CCOD (UK corporate ownership), OCOD (overseas corporate ownership). We reconcile the schedule's stated ownership against HMLR; material misalignment surfaces as a Concern.
Open Government Licence v3.0 · source
Non-Domestic Rating List: rateable value, description, SCAT code, address, effective date for every commercial hereditament in England & Wales (~2m rows). Second under-insurance signal and use-class verification on commercial property risks.
Open Government Licence v3.0 · source
Article 4 directions, Tree Preservation Zones, Flood Risk Zones, AONBs, Green Belt, Ancient Woodland, and recent planning applications keyed to the site.
Open Government Licence v3.0 · source
Building footprint in m², plus what's within 100m: petrol stations, industrial use, neighbouring building uses. Useful to sanity-check EPC sqm and surface fire-spread exposure.
ODbL 1.0 — © OpenStreetMap contributors · source
What's underneath the building, what's around it, and whether the natural environment will turn into a claim.
Rivers/sea flood zones (1, 2, 3a, 3b), surface water risk, active warnings and alerts, distance to nearest watercourse, and reservoir overlay. Z3 is auto-Block; Z2 is Watch.
Open Government Licence v3.0 · source
Geotechnical hazard layers including shrink-swell clay, landslide, compressible ground, collapsible deposits, soluble rocks, and running sand. Class E shrink-swell carries a rebuild-cost uplift on subsidence-prone foundations.
Open Government Licence v3.0 · source
Development High Risk Area polygon and Mine Entries within 500m. Triggers subsidence and shaft-failure exposure flags.
Open Government Licence v3.0 · source
National Heritage List for England: Listed Buildings (Grade I / II* / II), Conservation Areas, Scheduled Monuments. Listed grade drives a like-for-like rebuild-cost multiplier and a VAT caveat.
Open Government Licence v3.0 · source
Radon risk band by 1km grid. Affected-area classification surfaces as Watch on residential and workplace risks.
Open Government Licence v3.0 · source
Where the building sits in the broader risk landscape: crime, deprivation, and energy performance.
English IMD decile + rank by LSOA. Used as a covariate in adverse-event modelling; low deciles increase certain claim frequencies (theft, malicious damage) on commercial property.
Open Government Licence v3.0 · source
Six months of recorded crime within a one-mile radius of the resolved address, broken down by category. We compare against neighbouring LSOAs and surface concentration outliers.
Open Government Licence v3.0 · source
Lodgement-matched non-domestic and domestic EPC: band, numeric rating, kgCO₂/m², kWh/m², property type, total floor area, plus the walls/roof material columns used by the rebuild-cost estimator. Sub-E commercial is Concern (MEES).
Open Government Licence v3.0 · source
Cross-source synthesis to indicate the sum insured. Indicative only; not RICS-regulated valuation advice.
Derives £/m² from EPC (floor area + construction era + walls/roof materials), OSM (footprint + urban density), Heritage, Flood, Coal, BGS, Radon, geo, optional live tender rates from Contracts Finder, and ONS construction inflation. On commercial risks the VOA rateable value × use-class multiplier is a cross-check; >40% divergence surfaces a caveat.
RowInsight methodology — applied to OGL source data; not RICS-regulated valuation advice · source
Awarded UK public-works contract notices, normalised to £/m² GIA. Used as a live tender-rate signal when ≥5 comparable contracts exist within the LSOA / use class.
Open Government Licence v3.0 · source
Construction CPI/OPI All Work series. Used to inflate base rates to the current month so a 2023 BCIS baseline isn't quoted at 2023 prices in 2026.
Open Government Licence v3.0 · source
