Portfolio Risk Intelligence
Commercial Property · Insurance Analytics
Institutional Risk Intelligence

Your policy has
gaps you haven't
found yet.

Upload your commercial property policy. We analyze every limit, sublimit, endorsement, and deductible — and tell you exactly where you're exposed before the loss happens.

48h
Turnaround
$2.5M+
Gaps Found Per Portfolio
21+
Risk Factors Scored
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Get Your Risk Report

Upload your policy PDF and we'll send you a full portfolio risk analysis within 48 hours.

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✓

Policy Received.

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REF — VELA-
The Process
How it works
01
Upload Your Policy
Submit your commercial property policy PDF. Any carrier, any format. We handle the parsing.
02
We Analyze Everything
Our team reviews every limit, sublimit, deductible, endorsement, and exclusion against your building profile and loss history.
03
You Get Your Report
Within 48 hours you receive a full risk intelligence report — coverage gaps quantified in dollars, risk scores per building, and priority actions before renewal.
The Deliverable
What's in your report
📊
Building Risk Scores
Every property scored 1–100 across fire probability, water severity, O&L exposure, and coverage adequacy.
⚠️
Coverage Gap Analysis
Dollar-quantified gaps in Ordinance & Law, Business Income, sublimits, and deductible structure.
🏦
Carrier Performance Benchmark
How your carrier performs on payment speed, underpayment rates, and dispute frequency vs. portfolio benchmarks.
📋
Renewal Action Plan
Prioritized recommendations for your next renewal — what to push for, what to increase, what to challenge.
Sample Report
Every building gets a score.
Every gap gets a dollar amount.
This is what lands in your inbox 48 hours after you submit your policy. Not a summary. Not a checklist. A full risk intelligence report.
Vela Risk Report · Sample Property
407 Cabot Street
BEVERLY, MA · RESTAURANT / FOOD SERVICE · LOC 20
0
Risk Score
HIGH RISK · 5 active alerts
Immediate action required
before renewal
Fire Probability
88%
Water Severity
64%
O&L Adequacy
12%
BI Coverage
55%
Litigation Climate
76%
🚨
O&L CRITICALLY UNDERINSURED$61,095 limit on a restaurant property. Estimated gap: $350K–$650K on major loss.
⚠️
NOT IN O&L ENDORSEMENT SCHEDULEBuilding may have zero ordinance coverage. Requires immediate carrier verification.
🚨
FOOD SERVICE FIRE RISK 3–5× BASELINEHood suppression, grease traps, and commercial kitchen elevate fire probability significantly.
21
Buildings Scored

Every property in your portfolio receives an individual risk score across 5 factors. You see exactly which buildings are carrying the most exposure.

$2.5M+
Average Gap Found

The average portfolio we analyze has over $2.5 million in uninsured or underinsured exposure that the insured didn't know existed. Most of it is in Ordinance & Law.

48h
Turnaround

Upload your policy today. Your full risk intelligence report is in your inbox within 48 hours — before your next board meeting, lender call, or renewal.

Coverage Gap Analysis
The gaps your broker
never showed you.
Every policy has a gap between what you think you're covered for and what you'd actually collect at claim time. Vela finds it. Every building. Every line.
Portfolio Gap Analysis — Live Scan
ANALYZING
Total Insured Value
$74.6M
21 buildings · Blanket limit
Identified Gap Exposure
$2.5M+
Uninsured / underinsured
Buildings With Gaps
14 / 21
67% of portfolio at risk
407 Cabot St
O&L — Restaurant
-$589K gap
127 Waverly Rd
O&L — Restaurant
-$471K gap
405–411 Cabot
O&L — NOT IN SCHEDULE
-$400K gap
385 Broadway
O&L — Office
Adequate ✓
All Properties
Elec. Vandalism Sub-limit
-$190K gap
COVERED
UNINSURED EXPOSURE
SAMPLE DATA — YOUR REPORT WILL SHOW YOUR ACTUAL PORTFOLIO
O&L BASE COVERAGE REMOVED FROM POLICY · REPLACED WITH ENDORSEMENT
|
2 BUILDINGS NOT IN O&L ENDORSEMENT SCHEDULE · POTENTIAL ZERO COVERAGE
|
ELECTRONIC VANDALISM $10,000 ANNUAL LIMIT · 21-BUILDING PORTFOLIO
|
WATER DEDUCTIBLE $50,000 PER OCCURRENCE · ALL PROPERTIES
|
BI PERIOD 365 DAYS · ADEQUATE FOR MOST LOSSES
|
O&L BASE COVERAGE REMOVED FROM POLICY · REPLACED WITH ENDORSEMENT
|
2 BUILDINGS NOT IN O&L ENDORSEMENT SCHEDULE · POTENTIAL ZERO COVERAGE
|
ELECTRONIC VANDALISM $10,000 ANNUAL LIMIT · 21-BUILDING PORTFOLIO
|
The Difference
What your broker sends.
What Vela finds.
Your broker's job is to place coverage. Vela's job is to find every place that coverage falls short — and tell you in dollars before the loss happens.
VS
Your Broker's Summary
Policy Confirmation
What you typically receive after binding coverage
Commercial Property — Coverage Summary
POLICY YEAR 2025–2026 · TRAVELERS · RENEWAL CONFIRMED
Building Limit$74,552,127
Business Income$7,156,299
General Liability$1M / $2M
Deductible$25,000
Ordinance & LawIncluded
Premium$172,041
Your coverage has been renewed with Travelers. Please review your policy documents and contact your agent with any questions. Premium is due 07/30/2025.
Vela Risk Intelligence
What's Actually In That Policy
What we find when we actually read it
🚨
"Ordinance & Law — Included" IS MISLEADING Base O&L was removed from the policy. Replaced with a per-building endorsement that assigns $61K to a restaurant. "Included" doesn't mean adequate.
$589K
⚠️
2 BUILDINGS HAVE ZERO O&L COVERAGE Buildings at 405–411 Cabot and 198 Endicott are absent from the endorsement schedule entirely. Major fire = no code upgrade coverage.
$400K
🚨
WATER DEDUCTIBLE IS $50K — NOT $25K The summary says $25K deductible. Water losses — your most common peril — carry a separate $50,000 deductible. Every pipe break costs you $50K before coverage starts.
$50K
⚠️
ELECTRONIC VANDALISM: $10,000 TOTAL 21-building portfolio. $10,000 annual aggregate for all cyber/electronic vandalism across every property. One incident wipes out the entire sublimit.
$190K
✓
COINSURANCE: WAIVED — THIS IS GOOD Blanket basis with coinsurance waived protects you from underinsurance penalties. Your broker negotiated this well. Keep it at renewal.
OK ✓
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