Lessor’s Risk Only (LRO) identifies and classifies every occupant and neighbouring occupants operating at a shared property — and evaluates how each one affects eligibility, in real time, from just an address.
Give LRO a single address and it returns the whole picture: every tenant found, classified, and scored for how it affects eligibility, with the reasoning attached.
A full roster of businesses at the property, no manual research, no site visit.
Each occupant classified and assessed for how it affects the property’s eligibility.
A clear, defensible read on the whole risk, with the reasoning attached.
Underwriting a lessor’s risk policy means understanding every business operating inside a building — not just the named insured. A quiet office address can hide a restaurant with a fryer, a nail salon with chemicals, or a 24-hour operation.
LRO doesn’t stop at the front door. Alongside the in-building roster, a companion geospatial layer maps the structures around the risk — their distance, direction and footprint — so an exposure two doors down never goes unseen. And because those neighbouring look-ups don’t count against your submission quota, there’s no reason to leave them out.
Illustrative view. LRO resolves each address to a canonical building record (shared across every client who touches it) and returns nearby structures with their distance and bearing.
Every tenant LRO surfaces is classified the way your best analyst would — only faster, and with the reasoning attached. Each business is resolved to a full NAICS profile across both the 2017 and 2022 vintages, at 2-, 6- and 8-digit granularity, and every code carries its own confidence score.
2017 and 2022 NAICS mapped in parallel at 2-, 6- and 8-digit depth, so the codes line up with whatever your rating and reference tables expect.
Each classification comes with its own confidence, so a firm match and a best-guess are never mistaken for one another.
Trace any code back to the signals that produced it: the transparent trail both underwriting and audit need.
Provide a property address, nothing more. LRO does the discovery.
LRO identifies every business at the location and classifies each one.
Each tenant is scored for its effect on the property’s overall eligibility and appetite.
Submit an entire building’s tenant roster as a single batch and let LRO evaluate it in parallel. Each address is geocoded, validated and resolved to a shared building record — work done once and reused for every client who ever touches that property. If one row hits a snag, the rest keep going.
Send the whole roster at once instead of one business at a time. Results stream back as they’re ready, no waiting on the slowest lookup in a two-hundred-tenant account.
A problem on a single address is flagged and quarantined; every other tenant returns unaffected. One bad record never sinks the run.
Every LRO run links back to its parent GIA submission, so the building view and the eligibility call stay part of one connected underwriting record.
A building is never a one-time snapshot. Every time LRO re-checks an address it captures a new version — so you can compare two points in time and see exactly which tenants moved in, moved out, or changed what they do. The difference between last renewal and this one, in plain sight.
Give us an address, nothing more. We’ll return the full tenant roster, classified and eligibility-scored.
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