Central Refrigerated Service
Multiple converging signals. Underwriter attention warranted this quarter.
31 computed points across the 90-day window. Decay-weighted aggregate of 10 raw signals.
Director of Safety departed; no replacement in 45 days
LinkedIn headcount down 27% in 60 days
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.
- LinkedIn Headcount Delta2 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.
- LinkedIn Headcount Delta2 weeks 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.
- LinkedIn Headcount Delta3 weeks agosev 8
LinkedIn headcount down 27% in 60 days
Employee count visible on LinkedIn fell from 188 → 137 over 60 days (-27%). Disproportionate losses in operations and dispatch roles.
- 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.
- Permits / DBA / FBN Changes4 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.
- LinkedIn Headcount Delta7 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.
- 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.
- 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'.
- 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'.
- ThinkingMax — FMCSA SMS + Crash Deltas3 months agosev 5
Driver Out-of-Service rate 2.1x national peer median
Driver OOS rate sits at 12.4% — peer median 5.9%. Concentrated in two terminals (Phoenix, Albuquerque).