A man looking at workers' comp claims with an alert

Every claim, handled like it's the only one

Catch problems early, take the right next best step, and stop costs from spiraling with the only AI that works like your dedicated claims expert.

 

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WHY CHOOSE CLAIMS NAVIGATOR

Take control of your workers' comp claims

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Catch issues early

AI continuously reads claims data to identify risk early so small problems don't turn into long, expensive claims.

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Know the next step

Get the next best move on a claim, right when you need it. Clear, best-practice actions keep claims moving.

Cut costs

Cut costs

Lower costs today and tomorrow with tighter reserves, faster return-to-work, and fewer escalations.

HOW IT WORKS

Claims Navigator

Smart workflows and decision support tools help every user take the next best action on every claim.

1. Stop chasing updates

No more hunting through static portals and old emails. Claims Navigator pulls in adjuster notes and claims data daily, so you always know what's happening.

Claim's intelligence system dashboard showing loss ratio
2. Spot risk early

Identify problems like missing appointments, stalled return-to-work, or drifting claims before they become costly problems.

A women and man reviewing claims alerts on a claims intelligence system
3. Act with confidence

Get clear next steps, prioritized by loss ratio impact, delivered to your inbox, phone, or dashboard so you know exactly what to do next.

A text message shows what steps need to be taken on a workers' comp claim
4. See the cost of waiting

See how claims costs affect your insurance costs and loss ratio in real time, so the price of waiting is clear.

Loss ratio showing the impact of workers' comp claims

"There is NO comparison to other work comp providers' claim processing and treatment to us.”

Owner

Parcel Delivery Provider

FEATURES

Every claim, managed expertly

A clear view of every claim, updated daily.

Step-by-step guidance so anyone can manage claims like a pro.

Move quarterly, cumbersome claims reviews to continuous real-time insights. 

Real-time loss ratio insights show the cost of inaction.

Direct access to our Policyholder Success Managers when you need help.

The Kinetic Injury Reduction Platform

Predict risks, prevent injuries, and manage incidents when they happen. See how you can reduce workplace injuries, lower costs, and help employees get back to work—all in one platform.

Keep your employees safe

Frequently asked questions about Claims Navigator

Is Claims Navigator included in my workers' compensation policy?
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Yes, Claims Navigator is available to all policyholders for free in their policy. As part of your tailored safety action plan, your policy may also include our tech-managed Rapid Return-to-Work program and safety wearables, Reflex.

Why is a claims oversight system important?
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Employers often struggle to see early warning signs that a claim is drifting. Missed light duty shifts, outdated restrictions, or poor communication with adjusters can all drive costs higher. The system spots drift early and tells you exactly what to do next, so minor issues don’t turn into expensive medical and indemnity expenses.

What claim information can I see?
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You can see claim details like costs paid, reserves and reserve justification, the current diagnosis, and resolution strategy.  Most importantly, you can see what the next best step is on a claim. 

At a policy level, you can track your loss ratio against your prior policy period loss ratio.

What is the loss ratio and why is it important?
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Loss ratio is the amount an insurer pays out in claims compared to what a policyholder pays out in premiums.

Total Claims Paid ÷ Total Premium Paid = Loss Ratio

It matters because your loss ratio directly influences both your renewal pricing and your experience modification factor (ex-mod). High loss ratios signal poor claims performance, which drives up future insurance costs.

Managing claims effectively is one of the biggest levers you have for lowering your loss ratios. 

Existing clients

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