Workers' Comp Underwriting

The safety questionnaire says they're fine. The OSHA record says otherwise.

ScopeRisk connects EIN lookups to public OSHA inspection records, citation databases, and injury logs — returning a 30-second risk profile built from data inspectors actually filed.

Risk scores grounded in 370K+ federal OSHA inspection records — not self-reported questionnaires.

370K+ establishments in OSHA 2024 data
$56.7B US workers' comp market
$0.10 per EIN lookup
Risk Profile HIGH RISK
Acme Manufacturing LLC
EIN: 47-XXXX284
Total Violations 14
Serious / Willful 3
Repeat Citations 2 locations
Injury Rate (BLS) 4.8 per 100 FTE
Industry Median 2.1 per 100 FTE
Risk Score 87
vs. industry peers (manufacturing, 100–499 emp)
Sources: OSHA ITA · BLS SOII · OSHA Establishment Data 2024
Powered by official federal records
⬡ OSHA Establishment-Specific Injury Data osha.gov ↗
⬡ OSHA Inspection & Citation Records enforcedata.dol.gov ↗
⬡ BLS Injury & Illness Statistics bls.gov ↗
370K+ establishments tracked in OSHA 2024 data
2001 federal OSHA records on file
<2s risk profile response time
Methodology is transparent
01
Underwriter enters EIN
→
02
ScopeRisk queries federal OSHA records
→
03
Risk profile returns with citation evidence
Every score is traceable to a specific OSHA inspection number and violation standard

Scores built on filed records, not self-assessments.

Every company knows the right answers to a safety culture survey. Not all of them know that OSHA citations are public record — tied to their EIN, their address, and their inspection history.

ScopeRisk pulls directly from OSHA's Establishment-Specific Injury and Illness Data, the OSHA Integrated Management Information System, and BLS workplace injury statistics. No forms to fill. No applicant disclosure.

Data Sources Connected — all public & verifiable
⬡
DOL OSHA Enforcement API
Checking connection...
⬡
OSHA Inspection Records
All resolved citations, violations, and penalties by establishment
⬡
ITA Establishment Data 2024
370,000+ establishment-level injury and illness records
⬡
BLS SOII
Industry incidence rates and DART case rates for benchmarking
⬡
OSHA Form 300A Summaries
Total recordable case rates and days-away data per employer
✓ Every score traces to specific OSHA inspection numbers you can verify independently.

Built for the underwriting desk, not the lab.

Every output is designed to fit into a 30-second review of a workers' comp application.

⬡
EIN Lookup in Seconds
Enter any employer EIN. Get a full OSHA violation history, inspection count, and injury rate — no manual research.
⬡
Repeat Citation Detection
Flags the same violation at the same location across multiple inspection cycles — the single strongest predictor of future injury.
⬡
Peer Benchmarking
Scores are anchored against companies in the same NAICS code and employee size band. Underwriters see how this applicant compares, not just what they scored.
⬡
Evidence Trail
Every flag links directly to the source citation — OSHA inspection number, violation standard, penalty amount, and remediation status.
⬡
API-First Integration
JSON response with structured risk score, confidence interval, and supporting evidence array. Designed to slot into any underwriting system or comparative rater.
⬡
Backtestable Model
Score weights are calibrated against historical loss ratios. Carriers can validate predictive power before embedding in workflow.

From application to risk profile in three steps.

01
Underwriter enters EIN
Input on the application, comparative rater, or directly via the ScopeRisk API. No patient data required.
02
ScopeRisk queries OSHA and BLS
Cross-references establishment records, inspection history, citation database, and industry incidence rates.
03
Risk profile returns in under 2 seconds
Structured JSON with risk score, flag list, peer benchmark, and evidence citations. Ready to read or ready to ingest.

"A manufacturer with three repeat OSHA violations and a recent fatality investigation can score well on a safety culture survey. The underwriter prices the policy on the application. The claims team discovers the truth later."

— The problem ScopeRisk solves

Built for workers' comp underwriters who need objective risk data before binding coverage.

5,914
fall protection violations in FY2025 — the most cited standard for 15 consecutive years
750
workplace fatalities reported to OSHA in 2024 — every one tied to an inspection record
2.3
average recordable cases per 100 FTE in private industry — peer benchmark for any applicant

The self-reported safety survey isn't going away. But the underwriter who uses ScopeRisk won't need to trust it.

OSHA data is public. The risk signal is there. The only question is whether your underwriting system is connected to it.

ScopeRisk is built for mid-market carriers and MGAs who need better risk selection without the enterprise implementation timeline. API-first. Evidence-backed. Priced per lookup.

View Sample Response

No NDA required. Sandbox environment available on request.