AI Safety Technology for Workers Compensation Insurers
Help your policyholders prevent claims before they happen. SoterAI gives insurers real-time safety intelligence to reduce loss ratios, improve retention, and differentiate in a competitive market.
$167B
Annual US workers compensation premiums
45%
Reduction in claims with proactive safety
3-5x
ROI for insurers partnering with SoterAI
250+
Policyholders already using SoterAI tools
Industry Challenges
Why Workers Comp Insurers Need AI Safety Tools
The insurance industry is at an inflection point. AI-powered safety tools give carriers a competitive edge by driving down losses while creating genuine value for policyholders.
Rising Loss Ratios
Workers comp claims costs continue to climb while traditional loss control methods show diminishing returns. Insurers need a new approach to bend the cost curve.
Limited Policyholder Visibility
Once a policy is bound, insurers have little real-time insight into a policyholder's actual safety practices until a claim is filed.
Low Policyholder Engagement
Traditional loss control visits happen once or twice a year. Policyholders view them as audits rather than value-adds, limiting the insurer's ability to reduce risk.
Inadequate Risk Data
Underwriting decisions rely on lagging indicators like past claims history. Insurers lack leading indicator data to accurately price risk or identify emerging exposures.
Broker & Client Retention
In a commoditised market, carriers struggle to differentiate. Brokers need value-added services beyond price to retain their best accounts.
Scalability of Loss Control
Traditional in-person loss control visits are expensive and don't scale. You can only visit a fraction of policyholders, leaving the majority without proactive risk management.
Use Cases
How Insurers & Brokers Use SoterAI
Proactive Loss Control
Move from reactive annual visits to continuous, AI-powered safety engagement with policyholders.
- Deploy SoterAI to policyholders as a value-added service
- Real-time dashboards showing safety activity and compliance
- AI identifies at-risk accounts before claims escalate
- Automated recommendations reduce claim frequency and severity
Partnership Models
Flexible Deployment for Insurance Partners
Whether you are a carrier, broker, or MGA, SoterAI integrates into your business model to reduce losses and create differentiation.
Carrier Partnership
Integrate SoterAI into your loss control program as a value-added policyholder service.
- White-labelled platform with your branding
- Deployed to policyholders as part of the policy
- Real-time loss control dashboards for your team
- Aggregate analytics across your book of business
- Co-marketing and joint case studies
Broker Distribution
Offer SoterAI through your broker network to differentiate and improve retention.
- Co-branded broker portal
- Broker-level dashboards showing client engagement
- Sales enablement materials and training
- Revenue sharing or commission models
- Joint renewal presentations with safety data
MGA / Program Model
Build SoterAI into a specialty safety program with integrated pricing and risk selection.
- Safety score integrated into underwriting workflows
- Automated risk tier classification
- Policy lifecycle safety engagement
- Claims frequency data loop for pricing refinement
- Exclusive program for best-in-class safety risks
Business Impact
The Insurance Business Case for AI Safety
3-5x
ROI on loss control investment
Measurable claims reduction within 12 months
35-45%
Reduction in claim frequency
For actively engaged policyholders
90%+
Policyholder retention rate
Accounts using SoterAI renew at higher rates
Strategic Benefits for Insurance Partners
FAQ
Insurance Partnership Questions
Ready to Reduce Loss Ratios With AI?
Join leading insurance carriers and brokers who are using SoterAI to transform loss control, improve underwriting, and retain their best accounts.