Field Notes
Underwriting research, written down.
Perspective from the front lines of commercial underwriting — the patterns we see across submissions, the methods behind the workbench, and the occasional strong opinion. Written for underwriters and the people who hire them.
Anatomy of a misclassification: the software company that wasn't.
The submission said software company. The website said software company. The public record said installation and field services — with trucks, ladders, and none of it priced. How a clean-looking file hides its real exposure.
More Field Notes are on the way.
Written by the people who work these accounts every day — real patterns, sourced numbers, nothing invented. New entries publish roughly monthly.