T.B. Penick & Sons — San Diego
Material exposure is loud and accelerating. Investigate immediately.
31 computed points across the 90-day window. Decay-weighted aggregate of 13 raw signals.
Wage-and-hour class action filed in CA Superior
Wage-and-hour class action filed in CA Superior
Generate a binding-decision recommendation — disposition, premium guidance, and the drivers behind it — synthesized from this risk's signals, litigation, claims history, and comparable nuclear verdicts.
What the fabric heard.
- Court Docket Scrape2 weeks agosev 8
Wage-and-hour class action filed in CA Superior
Class action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.
- Permits / DBA / FBN Changes3 weeks agosev 7
New LLC formed at same address as expiring entity
Owner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.
- Minerva Business Pulse3 weeks agosev 8
Storefront dark during stated business hours (3 days)
Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.
- LinkedIn Headcount Delta4 weeks agosev 7
Director of Safety departed; no replacement in 45 days
Director of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.
- Satellite / Aerial Change Detection4 weeks agosev 6
Tractor yard 71% empty vs. 90-day baseline
Aerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.
- Minerva Business Pulse5 weeks agosev 8
Storefront dark during stated business hours (3 days)
Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.
- Court Docket Scrape6 weeks agosev 8
Wage-and-hour class action filed in CA Superior
Class action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.
- Court Docket Scrape7 weeks agosev 8
Wage-and-hour class action filed in CA Superior
Class action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.
- Minerva Business Pulse2 months agosev 8
Storefront dark during stated business hours (3 days)
Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.
- Minerva Business Pulse2 months agosev 7
Yelp star average dropped 1.6 over 14 days
Yelp star avg fell from 4.2 → 2.6 across 11 new reviews. Recurring complaints: 'closed early', 'no one answering phone', 'food sat out'.
- Court Docket Scrape2 months agosev 8
Wage-and-hour class action filed in CA Superior
Class action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.
- LinkedIn Headcount Delta2 months agosev 7
Director of Safety departed; no replacement in 45 days
Director of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.
- Satellite / Aerial Change Detection2 months agosev 9
Roof scarring visible on aerial — likely fire damage
Sentinel-2 imagery (post-Mar 14) shows distinct roof scarring across ~40% of insured warehouse footprint. No claim reported. Inspect.