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

We've talked about the importance of a holistic approach to workers' compensation. Now. we dive into the pre-injury stage and explore the impact of prediction technology.

"At a high level, the basics of prediction are what you find in any insurance company, which is assessing the risk and trying to identify the root cause of risk," says Adam Price, CEO of Kinetic. "In workers' compensation, we're looking at injuries. We have some unique tools to assess the risk and how we can impact it."

How predictive underwriting reshapes workers' comp

Before a policy is ever written, we use AI to digitize and analyze loss runs. Our proprietary engine assesses "fit" how likely it is that our services will make an impact.

This fit doesn’t just help us review risk. It arms brokers and policyholders with clear, data-backed recommendations about what tools to deploy, and where. It’s the difference between saying “We have a wearable” and “Here’s exactly how it will reduce the injuries you’ve historically faced.”

Why prediction matters for the entire lifecycle

Prediction does more than inform pricing. It strengthens every part of workers' comp:

• Underwriters identify where Kinetic can have the greatest impact
• Brokers bring tailored, data-backed solutions to policyholders
• Employers see better outcomes from prevention and claims management

From reactive to proactive

By moving to predictive risk management, workers' comp becomes a proactive tool for growth. For brokers, it creates differentiation in a crowded market. For employers, it means fewer injuries, lower costs, and safer teams.

Get appointed today and start delivering a more proactive, tech-driven solution to your clients.