Reports from the underwriting desk.
The math, the case files, and the structural shifts shaping workers' comp and PEO for high-risk industries.
Workers' Comp
Why your EMR isn't dropping despite zero incidents
The trailing math of experience modifiers, and the three errors auditors find on most unit-stat reports.
Read report →Field DataThe 3 errors auditors find on 80% of unit-stat reports
Class-code drift, split-rate misapplication, and the medical-only cap most brokers forget to claim.
Read report →Risk ReportYour 1099 fleet is a workers' comp claim waiting to happen
AB5, FAAAA, and the federal DOL rule that's reclassifying owner-operators — and what it costs when one gets hurt.
Read report →PremiumSeven levers to cut workers' comp without cutting coverage
Four pricing levers, three loss levers. The ones your broker probably isn't pulling.
Read report →Broker Tool
Class code lookup.
Cross-check class-code assignments against actual job duties — the first lever in any EMR audit. 27,572 codes across 47 states.
Class code & description lookup
Search by class code or keyword across 47 states · 27,572 codes
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