Which states do you cover in v1?
The 38 NCCI states. Not California (WCIRB), New York (NYCIRB), New Jersey (CRIB), Pennsylvania (PCRB), Texas (TDI), Delaware, Michigan, Minnesota, Massachusetts, or Wisconsin — these use independent rate bureaus or modified rule sets and need separate logic. North Dakota, Ohio, Washington, and Wyoming have monopolistic state funds with no NCCI involvement; we exclude these entirely.
Is this insurance advice?
No. WorkerCheck produces a self-assessment estimate of where your auditor might reclassify a role. Take the report to your licensed insurance broker or agent for review and any class-code disputes. Brokers have leverage with carriers we don't — this report is the input, not the action.
How accurate are the class-code suggestions?
The tool combines a deterministic duty-keyword index (top 50 most-misclassified codes) with a Claude-based reviewer for ambiguous cases. Conservative posture: when duties overlap multiple codes, we flag for broker review rather than auto-reclassifying. We test against a 100-row hand-classified dataset from the IA Magazine top-5 misclassification list before each release.
What's the experience modification factor?
The "experience mod" or "x-mod" is a multiplier (typically 0.75–1.50) applied to your premium based on your 3-year claims history. If you don't know yours, default to 1.00 and we flag this — your actual mod is on the declarations page of your policy. The 3-year exposure math scales linearly with the mod.
How does the 3-year retroactive billing work?
When a carrier auditor reclassifies a role on the annual audit, they can retroactively re-rate the prior 3 policy years at the higher rate. Carrier rules vary, but 3 years is the standard NCCI-state ceiling. Our 3-year exposure number is the difference between (current code's premium × 3) and (suggested code's premium × 3) for each affected employee.
What's a "governing class code"?
The highest-rated class code on a multi-code policy. Most exposure comes from this code. If a role's duties are ambiguous and could match either the governing class or a lower-rated code, the auditor will assign to the governing class — that's the conservative position. Our tool flags governing-class shifts as the highest-priority findings.
Will this trigger an audit?
No. The tool runs entirely on the data you provide. No carrier ever sees the analysis unless you choose to share it with your broker (which is the recommended next step). A self-audit is the opposite of triggering — it's how you catch things before the carrier's annual audit.
What payroll formats do you support?
Any CSV from Gusto, Rippling, ADP, Paychex, QBO Payroll, or BambooHR. We auto-detect column headers (name, role title, wages, hours, optional class code if pre-assigned). If your provider exports something exotic, drop us a sample and we'll add the mapping.
Is my data safe?
Files upload to Cloudflare R2 with per-customer signed URLs. Reports are generated and emailed via Resend. We don't share your data with anyone, including class-code consultants or carriers. After 90 days, audit inputs are auto-deleted unless you keep an active subscription.
What about CA, NY, NJ, PA, TX?
v2. The independent rate bureaus have their own class-code dictionaries that differ from NCCI's — California's WCIRB lookup, for example, has different rules around governing class and dual-wage classifications. We need a separate engine per bureau and we'd rather ship 38 states well than 50 states sloppily.