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GBC Carrier Score

A 0-100 composite rating for commercial-insurance carriers blending three independent data pillars: AM Best Financial Strength (40%) + GBC Price Percentile (30%) + NAIC Complaint Index (30%). Full methodology + weights + data sources published at /methodology/gbc-score .

Filter by vertical: More verticals added in Phase 2 + 3 (Restaurant, Commercial Truck, etc.)

Carrier	GBC Score	AM Best	Pillars	Details
Westchester (Chubb) Equine	100	A++	1 of 3	View →
The Hartford Agricultural	95	A+	1 of 3	View →
Markel Equine	88	A	1 of 3	View →
Everett Cash Mutual (formerly American Reliable equine)	88	A	1 of 3	View →
American Equine Insurance Group	82	A-	1 of 3	View →
Equestrian Risk Underwriters (ERU)	Verification in progress	Underwriter not published	0 of 3	View →

How the GBC Score is computed

The GBC Carrier Score is a 0-100 composite weighing three independent data pillars: AM Best Financial Strength (40%) + GBC Price Percentile (30%) + NAIC Complaint Index (30%). When fewer than 3 pillars are available, the score is presented with a "Based on N of 3 pillars" transparency label (never inventing values). Full formula + data sources + integrity rules published at /methodology/gbc-score .

Roadmap

Phase 1 (current) — 5 equine specialty carriers scored from the AM Best pillar alone (1 of 3 pillars verified).
Phase 2 — NAIC Complaint Index ETL + GBC Price Percentile compute → scores for ≥2 of 3 pillars across equine + commercial-truck + general-liability verticals.
Phase 3 — vertical scale to Restaurant, Plumber, Commercial Truck, GL — full 3-pillar composite scores with AggregateRating JSON-LD emission.
Phase 4 — AI engine citation measurement + brand-identity reinforcement.

Full Phase plan: /methodology/gbc-score.