Ranking transparency

How results are ranked.

The directory's sort order is published here in full. There is no undisclosed weighting, and payment never changes rank.

1
Verification levelPreferred, then Verified, then Listed.

The ladder is derived from reviewed documents and delivery history. It cannot be bought, and no payment moves a company up it.

2
Median response timeFaster typical first response ranks higher.

Measured from when a provider first sees a request to their first quote, over their recent history. Shown on profiles once a provider has enough responses for the number to mean something.

3
DistanceCloser to the loss ranks higher.

Straight-line distance from the search point to the provider’s home base, within their own service radius.

4
Completed jobs (tie-break)More completed PLN jobs breaks remaining ties.

Only used when the first three leave two providers level.

Where the ladder comes from

Listed

Company profile, service area and contact confirmed.

Verified

Current general liability, commercial auto and workers’ comp certificates reviewed for completeness by PLN and tracked to expiry. A lapse drops the badge automatically.

Preferred

25+ completed jobs, a sub-10-minute median response, and no compliance lapse in 12 months.

Verified means PLN staff confirmed the required certificates were uploaded, legible, issued in the company’s legal name and unexpired on the review date, and PLN tracks them to expiry. PLN does not confirm coverage with the carrier and makes no representation about coverage. Confirm coverage with the carrier before relying on it.

During a declared CAT event

When PLN has declared a CAT event covering the search area, the directory offers one extra switch: providers who marked themselves ready for that event first. It is off by default, it reorders only that search, and the order above applies within each group. Readiness is the provider’s own declaration for that event, not a PLN review, and it is free — nothing about a CAT event is sold.