Every flag carries its source
If a property pings flood Zone 3 or an open HSE Prohibition notice, the brief links directly to the source row. You can verify the claim without a junior or an email chain.
✦For underwriters
See every red flag before pricing.
RowInsight produces the brief you'd have written by hand. Per-row severity, citations to every source, no hallucinated numbers. Less time chasing juniors to verify; more time pricing the risks worth pricing.
✦Raw fields vs. brief
From a wall of data to a paragraph you'd sign.
What the row contains
- Companies House status
- Active · 12 yrs
- Outstanding charges
- 3 · debentures
- EPC band
- D — 78.4 kgCO₂/m²
- Flood (rivers/sea)
- Z2
- Surface water
- medium
- HSE notices (5y)
- 1 Improvement, 2018
- Crime within 1 mi (6m)
- 127
- OFSI match
- no hit
- Adverse media
- FCA fine, former CEO £237k (2024)
Underwriter brief
ConcernTrading 12 years, two material headwinds.
The risk is an established trader (CH active, 12 yrs) with three outstanding charges — typical for the sector but worth confirming with broker. Flood is rivers/sea Z2 with medium surface water; load expected at peril review.
Material adverse media: an FCA fine of £237k against the former CEO in 2024. Confirm exit and that current officers are clean before binding. EPC D is within MEES today; track for 2027.
9 source rows cited · last refreshed 14 minutes ago
✦The severity ladder
Four rungs. Calibrated against your appetite.
Every flag earns a level. Levels roll up to a row, rows roll up to the schedule. Sort by severity, filter to Concern+, and the file triages itself.
Info
Background context. Worth knowing on the file but doesn't change the rate.
Example · Companies House: incorporated 2018 · accounts category 'micro' · 4 active officers.
Watch
Track it. Doesn't decline the risk; does belong in the brief.
Example · EPC band D · 78.4 kgCO₂/m² — within MEES but trending toward sub-E by 2027.
Concern
Surface to the lead UW. Likely a load, exclusion, or referral.
Example · HSE Prohibition Notice (02/06/2024) — open at last filing. Cite source row.
Block
Decline-territory. Sanctions, disqualification, or active winding-up. Don't price.
Example · OFSI hit: PSC John Doe matched UK sanctions list (Russia regime, 2023). Score 0.94.
✦What lands in your queue
A pre-diligenced file, not a half-finished schedule.
Severity is data-driven, not vibe-driven
The Brief uses an explicit UW rulebook (sanctions = block, accounts overdue = concern, BGS shrink/swell D = watch). The grounding rules are published — review them, push back, and we'll tune.
RowInsight is in beta. We don't publish customer testimonials or efficiency numbers yet — when we have audited pilot results we'll put them here with methodology and consent.
Pilot on your portfolio.
We'll run RowInsight against a recent month of submissions and walk through what we caught — at no cost.