Carrols Restaurant Group — BK franchisee (Syracuse HQ)
Early-stage drift. Monitor closely; one new signal could push higher.
31 computed points across the 90-day window. Decay-weighted aggregate of 4 raw signals.
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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.
- Permits / DBA / FBN Changes6 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.
- Permits / DBA / FBN Changes7 weeks agosev 5
Permit pulled for 'change of use' on insured premises
City permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.
- Permits / DBA / FBN Changes7 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.
- OSHA Inspection Feed1 months agosev 4
Employee complaint inspection opened
Anonymous employee complaint triggered OSHA on-site inspection. Focus: respiratory protection, chemical exposure. No findings posted yet.