Where the data comes from.
Most data vendors say "proprietary sources" and ask you to trust them. Our sources are the United States government, the filings are public, and every row on every board names the filing it came from. You can check our work, and we want you to.
Three federal records, read on their own schedules.
- Motor carrier insurance filings, from the Department of Transportation's registration and insurance system. Insurers are required by federal rule to file coverage, cancellations, and reinstatements for every registered carrier. Cancellations carry an effective date roughly thirty days out, which is the clock your board shows. Updated daily.
- Employer benefit plan filings (Form 5500, Schedule A), from the Department of Labor. Every insured group plan covering one hundred or more people files the carrier, the plan year, and what the broker was paid. That scope matters and we state it: groups under one hundred lives are largely exempt from filing, so the renewal board covers the hundred-plus market, not the whole market. Updated weekly by the Department.
- Securitized commercial loan disclosures, filed with the SEC by loan servicers, monthly. Balance, maturity date, property, and the financials that let us compute the refinancing gap per loan.
Read, compute, date, cite. Nothing else.
- We read the filings on their refresh schedule, daily for carrier insurance, weekly for benefit plans, monthly for loan disclosures, and each board states when its data was last checked.
- We compute the event: the days remaining on a cancellation clock, the months to a renewal, the dollar gap on a maturing loan. The arithmetic is stated on the board so you can redo it.
- Every row cites its filing. Not a footnote. A reference on the row itself, so any single claim can be checked against the public record before anyone makes a call.
- We do not buy lead lists, scrape social networks, guess email patterns, or blend in "modeled" data. If a fact is not in a filing or computed from one, it is not on a board.
Check our work. If it fails, the month is free.
Every row on every board cites a dated public filing. If you find a row whose filing does not check out, that month of your subscription is free. We can make that offer because the sources are public and the citations are on every row. Ask any other data vendor to match it.
This sits alongside the slow-month guarantee: if your board carries almost nothing new in a month, that month costs nothing either. Both exist for the same reason: we count honestly, and we would rather refund than pad.
What the data cannot do.
- It cannot predict who will switch. Last cycle, about one in twenty insured groups replaced their broker entirely. We can tell you every group's renewal month and incumbent economics; we cannot tell you which will move. Nobody can, and anyone who claims to is selling a guess.
- Filings lag reality. A benefit plan filing describes the most recent completed plan year. A carrier's replacement policy can bind before its filing posts. The date on the row is the filing's date, and we never pretend otherwise.
- The renewal board covers hundred-plus-life groups, because that is what the law requires to be filed. We say so everywhere the board is sold.