Idle claims
Touched once a month, if that
Adjusters routinely go 30 to 90 days between touches on a claim. Every idle week extends the claim, grows the reserve, and feeds your X-mod.
Managed claims for captive members
ClaimKeeper is a managed claims service for employers with workers' comp claims. We monitor and work your open claims, conserving costs and closing files faster, so your X-mod drops and your premiums improve.
Now onboarding a limited group of pilot companies.
Experience modifier
▼ 31% in 4 years
Proven results
From the claims program our platform was built on, at a 1,000+ employee staffing company.
Multi-year program results across California and Texas workers' comp.
The problem
Your X-mod is a direct multiplier on your premium, and how your claims get handled is what moves it. Right now, nobody on your side of the table is handling them.
Idle claims
Adjusters routinely go 30 to 90 days between touches on a claim. Every idle week extends the claim, grows the reserve, and feeds your X-mod.
Hard leakage
Temporary disability paid past its cutoff. Duplicate payments. It all disappears into claim cost, and once it's out the door, it's nearly impossible to claw back.
Litigation spiral
When an injured employee stops hearing from anyone, they find someone who will listen. Litigated claims cost multiples and stay open for years.
Training and safety platforms try to prevent the claim. Useful, but once an injury happens, they can't touch what actually drives your premium. ClaimKeeper exists for everything after: the follow-up, the return-to-work, the closure. The part that sets your X-mod.
The employer side of claims has never had anyone in its corner. Now it does.
What we do
Full post-incident claims management on your behalf. You keep the judgment calls. We do everything else.
We touch claims weekly, not quarterly. Adjusters get followed up, deadlines get hit, and nothing sits.
Faster return-to-work is the single biggest lever on claim cost. We coordinate it from day one.
We catch disability payments that should have stopped and duplicates before they become unrecoverable.
Intake, adjuster follow-up, provider oversight, documentation, closure. The whole claim, handled.
Every claim, its status, and its cost trajectory, visible to you at all times, without doing any of the work.
Our team runs on purpose-built claims technology. It's how one coordinator delivers what used to take a department.
Why ClaimKeeper
Better claims outcomes lower the group's losses, and lower losses mean better dividends for every member. Your loss ratio already decides your dividend. We make it decide in your favor.
We work your claims whoever writes your coverage and whoever administers it. Your broker, TPA, and captive manager all stay in place; ClaimKeeper works alongside them as your advocate.
Operators with experience on both the employer side and the insurance side, who know exactly where claims stall and exactly which levers move them.
Adjusters carry hundreds of files, and nobody's success depends on closing yours. ClaimKeeper exists so someone's does. Lower cost, faster closure, a cleaner X-mod: that's what we're measured on.
Claims review
Request a review and we'll come back to you on your claims, your X-mod, and what better handling would be worth. We're currently accepting a limited number of pilot companies.
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