Signal Fabric · Live200 signals · 10 sources
Every wire we listen on.
Ten heterogeneous feeds — federal safety filings, court dockets, plaintiff-firm ad spend, satellite, social, permits, satellite, LinkedIn velocity — fuse into a single pulse. This is the fabric, in motion.
minerva_pulse
Minerva Business Pulse
Live storefront/operations pulse — open/closed status, hours, reviews velocity, owner identity changes.
12
live
weight 0.18
thinkingmax_fmcsa
ThinkingMax — FMCSA SMS + Crash Deltas
Federal Motor Carrier Safety Administration SMS BASIC scores, crash counts, and QCMobile lookups for inspection deltas.
7
live
weight 0.16
osha
OSHA Inspection Feed
OSHA inspection openings, citations, willful violations, and serious-injury reports.
28
live
weight 0.12
ucc_filings
UCC Filings
Secretary of State UCC-1 / UCC-3 filings. Equipment-secured loans, liquidations, and lender substitutions = distress signal.
18
live
weight 0.10
court_dockets
Court Docket Scrape
New civil actions naming the business as defendant — state + federal dockets, last 90 days.
22
live
weight 0.11
owner_social
Owner Social Distress Signal
Sentiment + topic ML over the named owner's public posts (LinkedIn, X, Facebook). Detects financial strain, divorce, conflict, exit signaling.
28
live
weight 0.07
plaintiff_ads
Plaintiff Ad Geo-Density (AdWatch)
Density of plaintiff-firm advertising aimed at the business's ZIP / industry. Higher density = higher inbound claim probability.
30
live
weight 0.08
permits_dba
Permits / DBA / FBN Changes
Fictitious-business-name filings, DBA changes, mid-cycle permit pulls, building-permit anomalies.
13
live
weight 0.06
linkedin_headcount
LinkedIn Headcount Delta
Public LinkedIn employee-count timeseries. Significant drops or hiring surges shift risk profile.
31
live
weight 0.06
satellite
Satellite / Aerial Change Detection
Google Earth Engine + commercial aerial — pixel-diff change detection on insured premises. Detects yard activity, lot fullness, structural change.
11
live
weight 0.06
Live signal stream
Newest first. Color = severity. Click a business to read its pulse story.
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- 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.SEV 6
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Fatal crash recorded — I-10 westbound, El PasoFMCSA crash report posted: 1 fatality, multi-vehicle, driver of insured tractor cited for following too close. Carrier safety rating under review.SEV 9
- Permit pulled for 'change of use' on insured premisesCity permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.SEV 5
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8
- Operating hours quietly cut by ~30%Posted hours shrank from 70/wk to 49/wk over 30 days. Closes Sundays and Mondays now. Consistent with cash-flow pressure.SEV 4
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Unsafe Driving BASIC crossed alert threshold (87th pct)12-mo Unsafe Driving percentile climbed from 52 → 87 over 90 days. Speeding 15+ violations doubled; lane changes without signal up 4x.SEV 7
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Owner social sentiment cratered (-0.62 → -0.91 in 30d)Owner posts shifted strongly negative: themes of 'banks won't lend', 'insurance is killing us', 'might shut down the Bakersfield yard'.SEV 5
- Google Business Profile owner email rotatedVerified-owner email changed on Google Business Profile; new contact does not match registered ownership records.SEV 3
- LinkedIn headcount down 27% in 60 daysEmployee count visible on LinkedIn fell from 188 → 137 over 60 days (-27%). Disproportionate losses in operations and dispatch roles.SEV 8
- 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.SEV 6
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Permit pulled for 'change of use' on insured premisesCity permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.SEV 5
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 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.SEV 6
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8
- Permit pulled for 'change of use' on insured premisesCity permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.SEV 5
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8
- HOS violations spike — 14 in last roadside cycleELD logs show 14 hours-of-service violations in last 90-day roadside cycle (vs. peer median 3). Driver fatigue narrative likely.SEV 6
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Owner social sentiment cratered (-0.62 → -0.91 in 30d)Owner posts shifted strongly negative: themes of 'banks won't lend', 'insurance is killing us', 'might shut down the Bakersfield yard'.SEV 5
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Roof scarring visible on aerial — likely fire damageSentinel-2 imagery (post-Mar 14) shows distinct roof scarring across ~40% of insured warehouse footprint. No claim reported. Inspect.SEV 9
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Unsafe Driving BASIC crossed alert threshold (87th pct)12-mo Unsafe Driving percentile climbed from 52 → 87 over 90 days. Speeding 15+ violations doubled; lane changes without signal up 4x.SEV 7
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 6
- LinkedIn headcount down 27% in 60 daysEmployee count visible on LinkedIn fell from 188 → 137 over 60 days (-27%). Disproportionate losses in operations and dispatch roles.SEV 8
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- UCC-3 terminations on 4 of 11 tractors — equipment leaving fleetUCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.SEV 6
- Employee complaint inspection openedAnonymous employee complaint triggered OSHA on-site inspection. Focus: respiratory protection, chemical exposure. No findings posted yet.SEV 4
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 6
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Switched primary AR factor mid-quarterUCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.SEV 5
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Switched primary AR factor mid-quarterUCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.SEV 5
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 6
- Employee complaint inspection openedAnonymous employee complaint triggered OSHA on-site inspection. Focus: respiratory protection, chemical exposure. No findings posted yet.SEV 4
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8
- HOS violations spike — 14 in last roadside cycleELD logs show 14 hours-of-service violations in last 90-day roadside cycle (vs. peer median 3). Driver fatigue narrative likely.SEV 6
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- 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.SEV 6
- Premises liability action — slip and fall, second this quarterSecond premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.SEV 5
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Switched primary AR factor mid-quarterUCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.SEV 5
- Premises liability action — slip and fall, second this quarterSecond premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.SEV 5
- 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.SEV 6
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Roof scarring visible on aerial — likely fire damageSentinel-2 imagery (post-Mar 14) shows distinct roof scarring across ~40% of insured warehouse footprint. No claim reported. Inspect.SEV 9
- UCC-3 terminations on 4 of 11 tractors — equipment leaving fleetUCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.SEV 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.SEV 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.SEV 6
- Employee complaint inspection openedAnonymous employee complaint triggered OSHA on-site inspection. Focus: respiratory protection, chemical exposure. No findings posted yet.SEV 4
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- HOS violations spike — 14 in last roadside cycleELD logs show 14 hours-of-service violations in last 90-day roadside cycle (vs. peer median 3). Driver fatigue narrative likely.SEV 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.SEV 6
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 6
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Premises liability action — slip and fall, second this quarterSecond premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.SEV 5
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- Roof scarring visible on aerial — likely fire damageSentinel-2 imagery (post-Mar 14) shows distinct roof scarring across ~40% of insured warehouse footprint. No claim reported. Inspect.SEV 9
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- UCC-3 terminations on 4 of 11 tractors — equipment leaving fleetUCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.SEV 6
- UCC-3 terminations on 4 of 11 tractors — equipment leaving fleetUCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.SEV 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.SEV 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.SEV 6
- UCC-3 terminations on 4 of 11 tractors — equipment leaving fleetUCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.SEV 6
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 6
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Tractor yard 71% empty vs. 90-day baselineAerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.SEV 6
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Employee complaint inspection openedAnonymous employee complaint triggered OSHA on-site inspection. Focus: respiratory protection, chemical exposure. No findings posted yet.SEV 4
- Operating hours quietly cut by ~30%Posted hours shrank from 70/wk to 49/wk over 30 days. Closes Sundays and Mondays now. Consistent with cash-flow pressure.SEV 4
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Permit pulled for 'change of use' on insured premisesCity permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.SEV 5
- Six new plaintiff billboards along I-45 corridorSix new plaintiff-firm billboards installed along I-45 between Houston and Conroe last 60 days. 'TRUCK ACCIDENT? 1-800-...' creative.SEV 4
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- LinkedIn headcount down 27% in 60 daysEmployee count visible on LinkedIn fell from 188 → 137 over 60 days (-27%). Disproportionate losses in operations and dispatch roles.SEV 8
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Active construction footprint on insured parcelSentinel-2 imagery shows ~6,200 sqft of new construction footprint on insured parcel. No matching permit on file. Coverage update warranted.SEV 5
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- HOS violations spike — 14 in last roadside cycleELD logs show 14 hours-of-service violations in last 90-day roadside cycle (vs. peer median 3). Driver fatigue narrative likely.SEV 6
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- New LLC formed at same address as expiring entityOwner's existing LLC missed annual statement; new LLC formed at same suite, same registered agent, different name. Classic phoenix-entity workaround.SEV 7
- Headcount up 31% in 90d — onboarding-risk windowHeadcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.SEV 4
- Employee complaint inspection openedAnonymous employee complaint triggered OSHA on-site inspection. Focus: respiratory protection, chemical exposure. No findings posted yet.SEV 4
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Wage-and-hour class action filed in CA SuperiorClass action filed alleging unpaid overtime and meal-break violations across 110+ drivers. Plaintiff firm: Setareh Law Group. Demand: certification + PAGA penalties.SEV 8
- Plaintiff firm running an ad naming this business specificallyMorgan & Morgan launched a Meta ad campaign in the ZIP 77036 explicitly naming this carrier's insured ('Were you hurt on a [Insured] truck?'). $14k/mo estimated spend.SEV 9
- LinkedIn headcount down 27% in 60 daysEmployee count visible on LinkedIn fell from 188 → 137 over 60 days (-27%). Disproportionate losses in operations and dispatch roles.SEV 8
- Google Business Profile owner email rotatedVerified-owner email changed on Google Business Profile; new contact does not match registered ownership records.SEV 3
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Switched primary AR factor mid-quarterUCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.SEV 5
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- 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.SEV 6
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- Premises liability action — slip and fall, second this quarterSecond premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.SEV 5
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Permit pulled for 'change of use' on insured premisesCity permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.SEV 5
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Owner publicly soliciting acquisition interestOwner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.SEV 7
- Two Serious violations cited at primary facilityOSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).SEV 6
- Operating hours quietly cut by ~30%Posted hours shrank from 70/wk to 49/wk over 30 days. Closes Sundays and Mondays now. Consistent with cash-flow pressure.SEV 4
- Switched primary AR factor mid-quarterUCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.SEV 5
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Three new MCA UCC-1 filings in 21 daysThree merchant-cash-advance lenders (Kapitus, Forward Financing, CFG Merchant Solutions) filed UCC-1s in last 3 weeks against same collateral pool. Classic MCA stacking distress pattern.SEV 8
- Plaintiff ad spend in ZIP 4.1x state peer median (NAICS 484)Combined Google + Meta plaintiff spend targeting NAICS 484 in ZIP 75061 is $61k/mo — 4.1x state peer median. Three firms competing for trucking PI leads.SEV 6
- Director of Safety departed; no replacement in 45 daysDirector of Safety (12-year tenure) updated LinkedIn to 'Open to Work'. No backfill posted. Safety-program continuity at risk.SEV 7
- OSHA fatality investigation openedOSHA opened a fatality investigation under 1926.501 (fall protection). Employee fell from 18-ft scaffold; inspector cited preliminary willful classification.SEV 9
- Owner went silent on LinkedIn after 18 months of weekly postsOwner's LinkedIn post cadence dropped from ~weekly to zero for 42 days. Profile picture and headline updated to remove company affiliation.SEV 4
- Storefront dark during stated business hours (3 days)Google posted hours show Mon–Fri 8a–6p; on-site pings (3 consecutive days) show lights off, door locked, voicemail full.SEV 8