Agency Risk
Fraud in premium finance originates at the agent — monitoring belongs at the agency level. One flag is noise; several clustered flags trigger review.
Open fraud alerts: 1 — Gulf Shore composite 91
Typologies:Fake policyFake insuredMulti-sold loanInflated premiumGA collusion
| Agency | 1st-pay NSF | DP by agency check | Carrier verify 48h | Cancel vs book | UEP breaks >7d | Volume z-score | |
|---|---|---|---|---|---|---|---|
Riverside Brokerage 11.2% of book | 0.6% | 4% | 100% | 0.90x | 0 | +0.4σ | |
Cornerstone Insurance 6.4% of book | 1.9% | 12% | 96% | 1.50x | 2 | +0.9σ | |
Coastline Risk Advisors 13.8% of book | 0.9% | 6% | 100% | 1.10x | 1 | +1.3σ | |
Keystone Insurance Partners 8.7% of book | 1.1% | 8% | 100% | 1.20x | 1 | +0.7σ | |
Summit Commercial Group 5.9% of book | 2.4% | 14% | 94% | 1.80x | 3 | +1.1σ | |
Harbor Insurance Partners 7.6% of book | 1.0% | 7% | 100% | 1.00x | 1 | +0.5σ | |
Meridian Agency 10.4% of book | 0.7% | 5% | 100% | 0.95x | 0 | +0.2σ | |
Lakeview Insurance Group 6.1% of book | 1.4% | 10% | 98% | 1.30x | 2 | +0.8σ | |
Portside Coverage 8.9% of book | 1.2% | 9% | 100% | 1.15x | 1 | +1.8σ | |
Gulf Shore Insurance AgencyREVIEW 1.2% of book | 6.8% | 100% | 50% | 4.20x | 5 | +4.6σ |