Plumbline Risk scores commercial property submissions at intake, using Canadian hazard, fire-protection and valuation data. Every score shows its reasons.
A submission arrives as an address and a handful of attributes. We attach wildfire, flood, hail and earthquake exposure, Fire Underwriters Survey protection grade, distance to hall, construction, and a modelled reconstruction cost.
A transparent model returns a 0–100 score and a green / amber / red band, with the specific drivers behind it. No black box — an underwriter can disagree with the reasoning, which is the point.
Under-insurance against modelled rebuild cost, catastrophe exposure, aged roofs on combustible construction, and high fire-load occupancies in unsprinklered frame buildings — caught before they reach the rating engine.
| Risk | Score | Action | Leading driver |
|---|---|---|---|
| Restaurant, frame, Kelowna BC | 87 · RED | Refer / re-price | Wildfire exposure; TIV below rebuild |
| Warehouse, masonry, Calgary AB | 54 · AMBER | Underwriter review | Hail exposure; roof age |
| Office, fire-resistive, Toronto ON | 5 · GREEN | Auto-quote | Sprinklered; strong protection grade |
Illustrative output. Weights are fitted to each book's own loss experience rather than applied off the shelf.
Most underwriting-automation tooling is built for the US market and adapted afterwards. We built the other way around — Canadian hazard geography, Fire Underwriters Survey protection grades, and Canadian construction and valuation assumptions.
That matters more than it used to. In 2025 Canada recorded its highest-ever number of declared fire catastrophes, and every one occurred in a province with no prior industry fire catastrophe on record. Appetite maps drawn from where wildfire losses used to happen were wrong last year.
A scoring model is only as good as the book it's calibrated on. Rather than ship generic weights, we're working with a small number of Canadian MGAs to fit and validate the model against real loss experience — and the first cohort gets the work at no cost.
What you provide: roughly 500 historical commercial property submissions with their loss outcomes.
What you receive: a portfolio review quantifying how much of your loss experience concentrates in the risks the model flags, and a scored file ranking every risk worst-first with the drivers and flags behind each one.
What it costs: nothing. We're trading the analysis for the chance to calibrate against genuine Canadian loss data.
Two questions come up before any of the others:
Turnaround is about a week from receiving the file. There is no obligation attached and nothing to sign — if the analysis isn't useful, that is a useful answer too.
Where this goes. If the review is useful and you want the engine scoring live submissions, that is a paid annual licence priced on your submission volume. Founding partners keep preferential terms. The review itself is free either way — we would rather prove the thing works on your book than describe it.
A sample portfolio review, run on a synthetic 500-risk book. This is the format your results arrive in.
Send roughly 500 historical commercial property submissions with loss outcomes. We'll do the rest.
Start a portfolio review or email ryan@plumblinerisk.caPlumbline Risk is a Vancouver-based underwriting analytics firm. We build decision-support for Canadian commercial property, focused on the point in the workflow where the most margin is quietly lost and the least technology has been applied — intake.
Our scope is deliberately narrow. We don't replace underwriting judgment, and we don't ask you to move off your existing systems. We do one thing: turn an incoming submission into a scored, explained, triaged risk, using Canadian data, in seconds.
A plumb line is the reference a builder uses to check whether something is true. That is the job here — establishing what a risk actually is before it is priced.
The firm was founded by Ryan Teymourian, who built the scoring engine, the Canadian hazard data layer and the calibration tooling behind it.