Revolutionizing workers' comp: The role of technology in injury prevention

Injury prevention isn’t just a buzzword, it’s the most powerful, yet most under-leveraged, lever in the workers' compensation lifecycle. While much of the industry still reacts to claims, holistic workers’ compensation strategies today start long before an incident occurs. That means using technology to predict, prevent, and ultimately reduce injuries before they ever become a claim.

Workers' compensation is often viewed as a siloed function. But for the industries that face the greatest injury risks, this mindset doesn’t deliver results. At Kinetic, we believe the future of workers' compensation is a holistic approach that addresses risk before, during, and after an injury.

The sun’s out, the kids are home, and the gates are wide open. For delivery drivers, it’s peak dog bite season.

If you’re a business owner or HR leader, you probably focus on keeping employees safe and managing your workers’ comp premium. But there’s a number behind the scenes that plays a big role in how much you pay—your loss ratio.

Hotels offer a $218 million opportunity for workers’ compensation brokers in NCCI states with average premiums north of $150,000 per policy1. California offers an additional $330 million2 in opportunity. Securing even a small foothold can grow your book significantly.

In this episode of Over the Air, host Bill Brock sits down with Haytham Elhawary, co-founder and chief strategy officer of Kinetic, to explore the company’s evolution from a wearable tech startup to an innovative insurance provider focused on workplace safety.

When it comes to buying workers’ comp insurance, most business owners focus on one thing: price.

Time is critical when reporting a work-related injury—especially for frontline workers who are the backbone of a company. When these essential employees are sidelined, productivity suffers, and workers’ compensation costs rise. Delayed reporting can increase claim costs by up to 51% according to NCCI research and lead to longer recovery times, legal complications, and compliance risks.

We hear it all the time: “I slid down the steps because they were icy,” or “I went head over heels on ice.” These real-world incidents drive injury claims every winter. Slips, trips, and falls ranked as the third most common workplace injury in 2020, with winter weather making them more frequent.