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- WORK360 FOR INSURANCE & BROKERS
Clearer risk.
Sharper insight.
Move Risk Management Upstream
The traditional insurance model is exceptionally good at responding after something happens: a worker is injured, a claim is reported, medical treatment begins, reserves are established, case management starts. WORK360 gives insurers, brokers and risk advisors an opportunity to begin the conversation much earlier. What if you could identify workforce risk before it becomes a claim?
WORK360 combines physical capacity, biometric indicators, cognitive performance and biopsychosocial information to help employers better understand workforce readiness and identify when early intervention may be appropriate—creating an opportunity to move from traditional loss response toward proactive workforce risk intelligence.
Give Clients More Than Another Safety Program
Employers already have safety manuals, training programs, claims protocols and risk-control services. WORK360 adds something different: visibility into the human factors that may contribute to injury and claim development.
What WORK360 Can Include
Depending upon the employer’s needs, WORK360 can include:
Pre-Employment or Post-Offer Functional Screening
Job-Specific Physical Capacity Testing
Biometric Indicators
Fatigue and Cognitive-Performance Assessment
Biopsychosocial Screening
Daily Workforce Health Check-Ins
Physician and Clinical Oversight
Return-to-Work Support
Employer-Facing Workforce Readiness Dashboards
A New Tool for Risk Managers and Brokers
WORK360 can help brokers and insurance partners create a more proactive strategy around:
Workers' Compensation Loss Prevention
Identify emerging workforce risk before it develops into a preventable musculoskeletal injury or lost-time event.
High-Risk Insureds
Provide additional workforce intelligence for clients operating in construction, transportation, manufacturing, logistics and other physically demanding industries.
Risk-Control Differentiation
Give clients access to a technology-enabled workforce solution that goes beyond traditional inspections and safety education.
Claim Severity Reduction
Identify functional, physical and biopsychosocial factors that may influence recovery and return-to-work outcomes.
Return-to-Work Management
Provide objective functional information that can support safe and sustainable return-to-work decisions.
Renewal Conversations
Move discussions beyond historical loss runs by helping employers demonstrate proactive efforts to identify and manage emerging workforce risk.
From Loss Runs to Leading Indicators
Most Workers' Comp Data Is Retrospective
Loss frequency. Claim severity. Days lost. Reserves. Medical spend.
WORK360 Introduces Leading Indicators
Rather than only asking “Where did we lose money last year?” risk leaders can begin asking “Where might risk be emerging now?”
A Solution Brokers Can Bring to Their Clients
For brokers and consultants, WORK360 creates an opportunity to provide a differentiated value-added service to clients. It can support conversations around:
Loss Prevention
Total Cost of Risk
Workforce Health and Safety
Workers' Compensation Strategy
Claims Reduction
Return-to-Work
Client Retention
Risk-Control Innovation
WORK360 can also be deployed across multiple employer locations, industries and geographic markets, making it particularly valuable for national accounts and organizations with decentralized workforces.
Protecting Employee Privacy
Employers do not need access to unnecessary medical information to manage workforce risk. WORK360 is designed around an outcome-focused reporting model, allowing appropriate risk and safety stakeholders to understand readiness status and recommended next steps while maintaining employee health information within the appropriate clinical environment.
From Reactive Claims Management to Proactive Workforce Intelligence
Insurance has always been about understanding risk. WORK360 adds a new dimension: understanding the person behind the risk.
Identify Earlier
Intervene Sooner
Reduce Preventable Loss
WORK360 gives carriers, brokers and employers a common platform for moving workforce risk management upstream.
Don't just insure the risk.
Help your clients see it coming.
WORK360 gives carriers, brokers and employers a common platform for moving workforce risk management upstream—before an injury becomes a claim and before a claim becomes a major loss.