Caspers Co — McDonald's franchisee (Tampa)
Quiet on the wire. Nothing material in the last 90 days.
31 computed points across the 90-day window. Decay-weighted aggregate of 6 raw signals.
Owner went silent on LinkedIn after 18 months of weekly posts
Nothing critical on file.
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.
- Owner Social Distress Signal4 weeks agosev 4
Owner went silent on LinkedIn after 18 months of weekly posts
Owner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.
- Court Docket Scrape6 weeks agosev 6
New auto-bodily-injury suit filed (Harris County, TX)
Plaintiff alleges T-bone collision caused by insured's driver running red. Soft-tissue + lumbar surgery claimed. Demand pleads above policy limits.
- Owner Social Distress Signal2 months agosev 4
Owner went silent on LinkedIn after 18 months of weekly posts
Owner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.
- Permits / DBA / FBN Changes2 months agosev 3
New DBA registered: 'Lonestar Express Logistics'
New fictitious business name filed under same EIN. Marketing under different brand often precedes book-of-business sale.
- Owner Social Distress Signal3 months agosev 4
Owner went silent on LinkedIn after 18 months of weekly posts
Owner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.
- LinkedIn Headcount Delta3 months agosev 4
Headcount up 31% in 90d — onboarding-risk window
Headcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.