AI-Powered Workers' Comp MGA

Stop audit surprises.
Start with real intelligence.

Shoreline eliminates WC classification errors, predicts audit exposure before it happens, and reduces claims through proactive wellness intelligence — all in one platform.

$220M+
Premium managed
142
Active policies
87%
Renewal rate
24%
Fewer claims
Platform

Every tool your team needs

Purpose-built for tech startups, clean-tech, and venture-backed employers — the risks your competitors underestimate.

🎯

AI Underwriting

GPT-4 powered intake analysis. Confidence scores, red flags, and classification recommendations on every submission.

🔍

Audit Predictor

Forecast payroll variance before renewal. Catch misclassifications before the auditor does — and protect your margin.

Claims Intelligence

AI triage on every new claim. Severity prediction, litigation risk scoring, and reserve recommendations in seconds.

Wellness Programs

Score employer wellness initiatives. Incentivize safety culture. Reduce frequency 12–24% across your portfolio.

Renewal Intelligence

90-day churn prediction. Personalized retention playbooks. Never lose a renewal you didn't see coming.

WC Classification Engine

Job title → NCCI code in seconds. Bulk reclassification. Carrier appetite matching. Confidence-weighted output.

How it works

From submission to bound in minutes

Six AI agents work in sequence — each feeding the next — so your team spends time on judgment, not data entry.

Step 01

Intake & parse

Founder submits. AI extracts and validates payroll, headcount, industry codes, and loss history.

Step 02

Classify workforce

Every job title maps to the correct WC code. Conflicts flagged. Carrier appetite checked.

Step 03

Score & quote

Underwriting score, mod factor estimate, and suggested premium range — ready for review in under 60 seconds.

Step 04

Monitor & predict

Ongoing audit risk monitoring, wellness tracking, and renewal forecasting — automated throughout the policy year.

Ready to underwrite smarter?

Join brokers and MGAs already using Shoreline to eliminate audit surprises.

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