Categories & access

Beta

Control which sections a risk assessment produces, within your account's access.

Beta

Risk API v2 is in beta. You can use it in production, but request fields, response shapes, category coverage, and credit weights may change without a version pin. Build against the documented contract and expect updates.

Overview

A v2 risk assessment is organized into categories — self-contained sections such as firmographics, business history, or adverse news. In a completed result, categories appear under response.categories, keyed by category id. Each category includes overview (summary, risk_level, confidence), structured data, and source_ids pointing into the top-level response.sources bibliography.

Which categories run is determined by two things, in order:

Your request — a required plan, entitlements, or addons selection.
Your account access — categories not on your agreement are skipped even if requested.

There is no implicit default. A request that omits plan, entitlements, and addons returns 400.

Every assessment includes the resolution backbone and an executive summary, regardless of plan.

Plans

The simplest way to pick categories is a named plan. Pass it as plan on the request. Use addons to layer additional bundles on top.

Plan	Includes
core	Core. Summary, Industry classification, Firmographics, Owners & operators, Business history, Company growth, Online presence.
core_plus_government	Government records. Summary, Government filings, OSHA, Form 5500, IRS Form 990, FMCSA / SAFER.
core_plus_risk	Risk & reputation. Summary, Adverse news, Business risk flags, Digital risk, Producer report.
core_plus_property	Property. Summary, Property verification, Property financials.
core_plus_compliance_lists	Compliance lists. Summary, Restricted lists, Liquor licenses, Trade licenses.

Categories

The categories that can appear in a result. Industry codes inside firmographics and classification may be omitted when they are not on your contract.

Category	Id	What it covers
Industry classification	industry_classification	NAICS and related industry codes for the resolved business.
Firmographics	company_firmographics	Legal identity, location, headcount, and revenue ranges.
Owners & operators	owners_operators	Key people associated with the business.
Business history	business_history	Founding, milestones, and a cross-source operating timeline.
Company growth	company_growth	Trajectory and growth signals.
Online presence	online_presence	Primary domain, directory listings, and public reviews.
Government filings	government_filings	Corporate registration and related public filings.
OSHA	osha	Workplace safety inspections and citations.
Form 5500	form_5500	Employee benefit plan filings.
IRS Form 990	irs_990	Tax-exempt organization profile and filings.
FMCSA / SAFER	fmcsa_safer	Motor carrier safety records.
Adverse news	adverse_news	Negative press and reputational signals.
Business risk flags	business_risk_flags	Compliance concerns and regulatory risk indicators.
Digital risk	digital_risk	Cyber posture and digital exposure signals.
Producer report	producer_report	Likely coverage stack, opportunities, and open questions for producers.
Property verification	property_overview	Physical address verification for the requested location.
Property financials	property_financials	Assessed value, tax, mortgage, and sale details.
Restricted listsLimited availability	ofac_restricted_lists	Screening against sanctions and restricted lists.
Liquor licensesLimited availability	liquor_licenses	Liquor license records where a public registry is available.
Trade licensesNot returned yet	trade_licenses	Trade and contractor license records.
Summary	summary	Synthesized verdict, key findings, and confidence.

Trade licenses

trade_licenses is a valid request id and appears in the compliance-lists plan, but the assessment does not currently return that category. Do not depend on it in production clients.

Selecting what runs

For most integrations, set a plan:

POST /v2/risk with a plan

For fine-grained control, pass entitlements with specific capability ids, or use the deprecated enabled_categories list (prefer plan / entitlements / addons for new integrations).

Partial results

Categories run independently. If one category can't be completed, the rest still return — check each category's overview.confidence and data rather than assuming all-or-nothing. Skipped categories report a status such as skipped_not_entitled with a client-safe reason in data.

Access & contract

Category access follows your commercial agreement. Some categories — and the industry codes within classification — are contract-gated and only appear when included in your plan.

After the first snapshot, you can add one priced module at a time with snapshot extend instead of starting a new job.

See data you like? Contact us to get access.

Your Relativity6 team can add response sections, risk profiles, and usage capacity to match how you want to underwrite. Tell us which capabilities you want to enable and we will align your account with your agreement.

Contact Relativity6