The risk workbench for independent agents

Know the risk before you quote it.

Type a business name and an address. Koda reads the property, the hazards, the revenue, the reviews — then tells you which carriers want it, and why.

Request access Watch it read a risk ↓

MINUTES, NOT DAYS · FREE FOR FOUNDING AGENTS · INVITE-ONLY

app.kodarisk.com/read FILE K-2418 · SIMULATED
01 READ 02 MATCH 03 PREPARE

What are we looking at?

Business
Harbor Line Oyster Bar
Address
412 Dock St, Tacoma, WA
TENANCY — TENANT FIND →
READING — 412 DOCK ST, TACOMA104 FACTS
✓ 104 FACTS · 16 SOURCES · CONF .91
Live ledger
roofmembrane · goodAERIAL — AI READ · CONF .87
year_built1987COUNTY ASSESSOR
sprinkleredfullBUILDING PERMITS · 2019
revenue_12m$1.9M ↗CARD DATA · MEASURED
review_incidentsnone in 214REVIEWS — AI READ
Scored against your carriers — live
Alder MutualChecking…
✓TIV within program capassessor · $2.1M
✓Full sprinklers on frame constructionpermits · 2019
✓No incident pattern in public reviews214 read · AI
Caldera SpecialtyIn appetite — liquor endorsement
Windrose E&SNeeds 2 answers
?Seating count — asked at submitmoves the verdict
?Hood & duct service dateonly your client knows
ALDER MUTUAL — IN APPETITE CALDERA SPECIALTY — IN APPETITE WINDROSE E&S — NEEDS 2
104 OF 112 FIELDS SOURCED BY KODA · 8 REMAIN — THE ONES ONLY YOUR CLIENT KNOWS
8 questions remain. Koda did the rest. UNDERWRITING REPORT ↓ACORD 185 ↓Request access
SIMULATED READ · FICTIONAL BUSINESS · CARRIERS ILLUSTRATIVE
01 · The workbench

Everything before the quote, in one place.

Four movements, one file. Click through them — this is the shape of every Koda read.

Sixteen sources. About a minute.

Property records, hazards, financials, imagery — read together, the way an underwriter would. Every fact lands graded: measured, declared, judged, or derived.

PARCELASSESSORPERMITSFLOOD18 PERILSEPAOSHACARD REVENUEREVIEWS · AIAERIAL · AISTREET · AIPEERS
EXHIBIT — STRUCTURE & SITESTYLIZED
DOCK STREET FOOTPRINT 4,120 SF 1 ① ROOF — MEMBRANE, GOOD AI READ · CONF .87 2 ② ADJACENCY — ATTACHED ROW ③ HYDRANT — 190 FT N
02 · Where this goes

The workbench is step one.

Koda Risk is building a modern MGA — markets and rating on top of the read above. We started with the agent's half of the work, so when our markets go live, founding agents hold the pen first.

Built by insurance veterans — years inside carriers and reinsurers — with engineers rebuilding the stack around AI.

TodayThe workbench, free
Founding agents read risks, match appetite, ship clean submissions.
NextMarkets attach
The same read that scores the risk prices it. No re-keying.
ThenKoda paper
A full MGA with founding agents as its distribution.
Reading today — RESTAURANTS LESSOR'S RISK MORE, FAST
03 · Fair questions

Asked and answered.

Q1Is it really free?
Yes. Founding agents pay nothing — no card, no trial clock, no tier. Your real use and honest feedback shape the platform; that's the whole trade, and it's stated up front.
Q2What do you do with my data?
Usage teaches us what agents need. Client data is never sold and never used to compete with you. Demographic signals are firewalled out of every verdict by construction, and every file keeps a full audit trail.
Q3Which classes, which states?
Restaurants and lessor's risk today, with data coverage nationwide — and we're expanding class by class, fast. If your book leans somewhere specific, tell us; the bench order is negotiable.
Q4Are you a carrier? An MGA?
We're building an MGA, tool-first. Today Koda carries no paper: verdicts are decision support, the report is yours, and you remain the professional of record. When our markets go live, founding agents hear it first.
04 · Two ways in

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RECEIVED — A HUMAN WILL REPLY FROM TEAM@KODARISK.COM WITHIN A DAY.

INVITE-ONLY · SIGN-IN IS A SIX-DIGIT EMAIL CODE · NO NEWSLETTER, ONE REPLY FROM A PERSON

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