Renewal checking for workers' compensation
Workers' comp renewals turn on details that don't jump off the declarations: a state that dropped off Item 3.A, an employers-liability limit that fell, an experience-modification factor that moved, a class code that changed. Any one can leave an exposure uninsured while the policy looks routine.
BindCheck compares the prior WC policy to the renewal and flags what changed across the Information Page items and the endorsement schedule.
What we compare on a WC renewal
The WC Information Page structures the check; we diff prior vs. renewal on:
- Item 3.A states — every state where statutory coverage applies; a state that fell off is an uninsured-jurisdiction exposure.
- Item 3.B — other-states coverage and whether the operative states carried forward.
- Employers-liability limits (Item 3.C) — bodily injury by accident/disease each employee/disease policy limit.
- Class codes, payrolls and rates on the schedule, and the experience-modification factor.
- Key endorsements — waiver of subrogation (blanket vs. scheduled), sole-proprietor/officer inclusion or exclusion.
Mod and premium basis, watched
The experience mod and the class-code/payroll basis drive the premium and signal underwriting shifts. Changes are flagged for context, not scored — the number is yours to interpret, ours to make sure you see.
Manuscript and state-specific forms flagged
State-specific and carrier-drafted WC endorsements are surfaced for your review rather than judged mechanically, keeping a human in the loop on anything non-standard.
Frequently asked questions
Will it catch a state dropped from 3.A?
Yes — the states listed in Item 3.A are extracted and compared prior vs. renewal, so a jurisdiction that silently fell off is flagged as a potential uninsured exposure.
Does it verify the experience mod is correct?
It flags a change in the experience-modification factor between terms so you notice it; verifying the mod itself against the rating bureau's worksheet remains a human step.
Diff your first renewal free — upload the prior policy and the renewal, and see what changed in about a minute. No signup wall, no demo call.