Our pre-employment Predictive Behavior Profile™ assessment tool helps reduce the frequency and severity of workers comp and auto claims by predicting negative behaviors of potential employees. This offers incalculable benefits to all stakeholders including insurance companies, insurance agents and the insured.

For the employer & insured

  • The odds of hiring the best employees can be improved by using the test when evaluating new candidates during the hiring process
  • Direct workforce management costs like training and turnover can be reduced
  • Reduce indirect costs like worker’s compensation claims, time lost on the job, accidents, and low productivity
  • Hiring the right employees will help reduce claims and experience MOD Rate resulting in lower premium
  • Insured’s can predict employees who are more likely to be:
    • Loyal to the company
    • Conscientious about their work and their environment
    • Emotionally stable
    • Follow the rules
    • Avoid risks
    • Will have a strong work ethic after 90 days

For the insurance company

  • Gives a competitive edge over the competition
  • Innovation tools like the Predictive Behavior ProfileTM can easily be adopted to make the insurance carriers book perform better
  • Tests can significantly enhance the predictive power of other underwriting criteria
  • Insurance companies can compete and write accounts beyond just pricing it below the current market
  • Avoiding a single liability claim or few sever workers’ compensation claims will produce double or triple digit ROI

For the insurance agent

  • Agents are loyal to companies that give them the ability to compete beyond price
  • Agents are attracted to companies that can help differentiate them in the marketplace
  • Agents need their insured’s programs to perform better to protect their contingencies
  • Innovative tools in the hands of creative agents will produce real organic growth
  • Easy-to-use loss control tools that are validated to perform will be well accepted