Your agency might be overpaying $10K–$50K/year on workers' comp.

We're building the first workers' comp intelligence platform specifically for senior care. Right now, every review we complete helps us refine our process and build case studies. In return, you get a thorough analysis of your X-Mod and payroll classifications at no cost. There's no hidden fee, no upsell during the review, and no obligation to work with us afterward.

Your data is handled with strict confidentiality. We access documents only for the purposes of your review — they are never shared with third parties, used for marketing, or retained beyond the engagement. Files are stored in encrypted, access-controlled systems and deleted upon request. We do not require or request Social Security numbers, and we ask only for the minimum data needed to evaluate your experience rating and payroll classification. If your organization requires an NDA or data handling agreement before sharing documents, we're happy to sign one.

We typically need your NCCI Experience Rating Worksheet, loss runs, and audited payroll data spanning recent policy years. We request most of this from your broker on your behalf — with your permission — so the lift on your end is minimal. None of these documents contain employee Social Security numbers or personal health information.

No. We work alongside your existing broker, not instead of them. If we find a correction opportunity, your broker handles the actual changes. Many brokers appreciate having a second set of eyes on the data — it protects them and you.

Brokers are essential — they manage your policy, handle renewals, and advocate during claims. But most brokers serve hundreds of clients across many industries and aren't reviewing your NCCI worksheet line by line for classification accuracy or checking whether old claim reserves have been closed. That's a different kind of analysis. We focus exclusively on a narrow set of pricing drivers in senior care where errors are most common and most costly. Think of us as a second opinion on the math behind your premium — not a replacement for your broker's role.

Most reviews take 2–3 weeks from start to finish. The biggest factor is how quickly your broker can send us the documents we need. Your time commitment is about 15 minutes for an initial call, plus a 30-minute walkthrough of our findings.

We currently focus on agencies in NCCI states.

We'll confirm your pricing is clean and walk you through where future workers' comp costs typically come from, so you know what to watch for. Either way, you walk away with clarity you didn't have before — at no cost.

No — and you should be skeptical of anyone who does before seeing your data. What we can guarantee is a thorough, conservative review. If errors exist, we'll surface them with clear documentation. If not, we'll tell you that directly.

If we find errors, we provide clear documentation and support the correction process through your existing broker — that part is included. Beyond the initial review, we're building ongoing monitoring and analytics services for agencies that want to stay ahead of premium changes year over year. But there's no pressure to buy anything. The free review stands on its own, and many agencies will get what they need from that alone.

Your X-Mod is a multiplier applied to your workers' comp base premium. It's calculated from your claims history relative to similar businesses in your industry. An X-Mod above 1.00 means you're paying more than the industry average; below 1.00 means less. Small shifts in this number can move your annual premium by thousands.

Absolutely. We're reviewing data that's already part of your NCCI filings and your own payroll records. The corrections we identify go through your existing broker and carrier — standard processes that are well within your rights as a policyholder.