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.

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 proposition

From the pile to the book.

Every Monday starts with more accounts than hours. Koda reads all of them, ranks what will write, and speeds the winners onto the book.

FIG. 2 — FROM THE PILE TO THE BOOKONE MONDAY, TRACED · ILLUSTRATIVE
MONDAY 28 ACCOUNTS — PROSPECTS · RENEWALS 1READ ALL OF THEM — 104 FACTS EACH NOTHING SKIPPED — THE PILE, UNDERSTOOD 2FOCUS RANKED BY WHAT WILL WRITE 9 WORK NOW 11 TWO ANSWERS AWAY 8 DON'T SPEND THE HOUR 3MATCH CARRIERS + REASONS ALDER MUTUAL · 7 CALDERA SPECIALTY · 5 WINDROSE E&S · 4 SOME FIT MORE THAN ONE — REASONS ON THE RECORD 4SUBMIT PACKETS OUT THE BOOK · +9 HOURS, NOT WEEKS
①–④ MIRROR THE TABS BELOW — CLICK A STAGE TO INSPECT THE JOB
02 · The workbench

The jobs, up close.

Pick a job — this is how each one works. Reading restaurants and lessor's risk today; more classes, fast.

Before the first call

Everything about the account, before you've spoken to them.

Type the name and address. Ten minutes later you have the building, the roof, the flood zone, the revenue trend, the loss signals in the reviews — every fact with its source — and a report clean enough to hand the client or the underwriter.

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
AI that shows its work — every number sourced · demographic signals firewalled · same evidence, same read · full audit trail
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

Leave an email. A human replies within a day.

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