CSI / Quad Score Strategic Partnership
Exclusive Loss Control & Cultivator Pre-Loss Assessment (PLA) Program
Executive Summary
The Cannabis Safety Institute (CSI) proposes to become Quad Score's **exclusive Loss Control Partner** for its entire book of cultivator business. Our objective is to standardize risk data and achieve a **10% reduction in cultivator loss ratio** year-over-year by delivering the **Clean Slate Pre-Loss Assessment (PLA)** for every client.
This partnership is anchored by a high-value **Annual Retainer** that secures capacity for up to 100 Pre-Loss Assessments (PLAs) at a volume-discounted rate.
I. Annual Retainer & Strategic Pricing Model
To maximize value and predictability, CSI offers a discounted annual retainer for an agreed-upon volume of PLAs. Use the slider below to model your commitment level for the upcoming year and see the total program cost.
Annual PLA Commitment Calculator
Total Annual Retainer Cost:
*This cost reflects a volume-discounted rate achieved through the exclusive annual retainer commitment.
II. Quantifiable Return on Investment (ROI)
The Annual Retainer cost is a critical, front-end underwriting expense that provides significant ROI by mitigating catastrophic, high-severity claims. The cost of a single avoided loss event dwarfs the investment in this program, offering Quad Score immense **Loss Control Validation** and the confidence to price risk accurately.
| Loss Event Type | Estimated Industry Average Payout | CSI PLA Program ROI (on 1 Avoided Loss) |
|---|---|---|
| Major Cultivation Fire/Explosion (Property) | $1,000,000 – $5,000,000+ | 100:1 to 500:1 |
| Product Recall (Product Liability & Defense) | $500,000 – $2,000,000 | 50:1 to 200:1 |
| Regulatory Fine/Enforcement (Compliance) | $50,000 – $500,000 | 5:1 to 50:1 |
III. The CSI Clean Slate PLA Deliverables
The CSI Clean Slate PLA is a comprehensive, on-site, and document-based audit providing objective risk data to underwrite cultivator accounts effectively.
A. Core Risk Assessment Components
Company & Policy Structure
- License Integrity
- Ownership Structure
- Financial Stability
- Historical Claims Data
Operational Safety (Physical Loss)
- Electrical & HVAC Infrastructure (Fire Hazards)
- Extraction Chemical Storage
- Facility Security & Compliance History
Labor & Product Integrity (Liability Loss)
- GMP/SOPs for Sanitation
- Seed-to-Sale Tracking Integrity
- Employee Training Records
B. The Actionable Underwriting Report
The final report provides **Four Key Risk Metrics** that directly inform Quad Score's underwriting decision:
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1
CSI Composite Risk Score (1-100): A single, overall number quantifying the cultivator's risk profile relative to industry best practices.
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2
Product Recall Exposure Grade (A-F): A specific grade detailing the risk of contamination, mislabeling, or regulatory non-compliance.
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3
Physical Loss Hazard Rating (Low/Medium/High): An assessment of the facility's vulnerability to major property losses (fire, wind, water, theft).
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4
Mandatory Mitigation Requirements (CAPAs): A list of non-negotiable Corrective Actions that must be completed and validated by CSI for the policy to bind.
IV. Execution & Partnership Structure
CSI is prepared to begin a pilot program immediately. Our structure ensures seamless integration and long-term risk management.
Annual Retainer Fee Mechanism
The annual retainer secures capacity for the agreed-upon number of PLAs (up to 100). This provides a volume discount and predictable budgeting, billed as a mandatory Loss Control Expense.
Exclusivity & Standardized Risk
CSI will serve as the **exclusive Loss Control Partner** for all cultivator risks, ensuring a consistent risk assessment standard across Quad Score’s entire book of business.
Data Integration & Optimization
We will work with your internal teams to integrate the CSI Composite Risk Score directly into your underwriting models for perpetual optimization of pricing and terms.