For Carriers, MGAs & Brokers
The verified risk-data layer for construction
VERIWOLF turns a contractor's daily operations — the same record that runs the gate, the safety suite, and the daily report — into verified, current risk data underwriters and loss-control engineers can read.
Not a survey. Not self-reported. A byproduct of how the GC already works.
tHE GATE BOOKEND
Fitness-for-duty in. Injury attestation out
The gate is the one place every worker passes through twice a day. VERIWOLF uses it to capture the two facts that decide most workers' comp disputes.
In— Fitness-for-duty check-in
Before the gate opens, each worker confirms on the kiosk: drug- and alcohol-free, unimpaired, healthy to perform duties.
Gate relay opens after attestation. Time-stamped, per worker.
Out—Injury attestation check-out
On the way out, the worker states whether they were injured or felt job-related discomfort.
"No" records a clean attestation.
"Yes" sends them to the site office and notifies the employer, GC, site safety officer, and carrier account manager — same day, not weeks later.
The fraud-defense backbone
Every check-out leaves a time-stamped record. When a late claim surfaces, the carrier answers two questions from the gate alone — was the claimant on site that day, and did they report an injury when they left?
A claim against a string of "no injury" records is a very different conversation than one with no record at all.
ONE PLATFORM, THE WHOLE JOBSITE.
What underwriters get — four categories, one record.
Each category produces a verifiable record. None quotes a premium, sets a credit, or predicts a loss — they give underwriters and loss-control engineers cleaner inputs.
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Verified Exposure-Hours Ledger: badge-paired gate in/out events become man-hours, grouped by NCCI workers' comp class code mapped to each trade or cost code, per site and period.
Premium-audit-grade exposure base from verified time-on-site.
Each snapshot sealed into a tamper-evident audit chain.
Exports to CSV/PDF.
Certified payroll flow: gate hours feed directly into the certified payroll module
Gate-derived hours by worker and trade, grouped by NCCI class code. Premium-audit-grade — from verified time-on-site, not estimated payroll.
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FNOL packet contents: incident facts, witnesses, worker's gate history that day, fitness check-in attestation, exit-health attestation, PTP/JSA for the task, weather data, cert status.
Delivered as PDF and JSON, sealed into audit chain.
Loss-run export: claims register exports a CSV, flags subrogation potential.
Reporting-lag analytics: average and median days from date-of-loss to date-reported, by claim type.
Late claim reporting is a known cost driver — VERIWOLF surfaces the lag; doesn't price it.
One-click FNOL packets with gate history, attestations, PTP/JSA, weather, and cert status. Same-day evidence a claim adjuster usually chases for weeks.
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Score breakdown by component: leading indicators, lagging indicators, compliance, theft-prevention metrics.
Designed to triage a book — a directional maturity signal, not a rate, EMR, or loss prediction.
Leading indicators included: near-miss rate, observations, inspections, PTP/JSA, toolbox talks, cert compliance, CAPA closure time.
Lagging indicators: TRIR, DART, LTIR, WC frequency/severity — auto-calculated from incident records, OSHA 300/300A/301, and exposure hours. Current to the day.
Explicit positioning: not actuarial, not a rate, not an EMR replacement.
A 0–100 score combining leading indicators, lagging indicators, compliance, and theft prevention. Every component shown in a breakdown — explainable, not a black box.
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HMAC chain mechanics: sealed insurance records chained with HMAC digests. A later edit breaks the chain.
Insurer portal surfaces a live data-integrity check and sealed-record count.
Premium-Audit Pack: NCCI verified-hours exposure base by class code, certified-payroll summary, loss-run summary. PDF and JSON, sealed into audit chain.
Auditor reads one consistent record instead of scattered reports.
Sealing disclaimer: proves a record wasn't changed after it was written — does not vouch for the truth of a worker's self-reported attestation. VERIWOLF supplies the mechanism; pricing and claims decisions remain the carrier's.
Every sealed record — ledgers, FNOL packets, audit packs — chained with HMAC digests. A later edit breaks the chain. The insurer portal shows a live data-integrity check
How VERIWOLF maps to the decisions you're already making
Organized around the four questions every underwriter is actually answering. VERIWOLF supplies the structured data; it does not underwrite, set rates, or act as a broker. The GC chooses what to share.
WHAT VERIWOLF PROVIDES
YOUR DECISIONS
SOURCE
Class codes, revenue/payroll band, license status, SAM exclusions
Appetite / Eligibility
Enrollment self-report + public-data enrichment
Verified worker-hours by trade, headcount on site, payroll by class
Exposure / Rating
Gate scans → certified payroll
EMR trend, TRIR/DART, claims register, fitness-for-duty & injury attestations
Loss potential / pricing
Incident records, OSHA logs, gate bookend
PTP/JSA, toolbox talks, inspections, near-miss rate, CAPA closure, cert currency.
Credits /improve
-ment
Daily reports, safety suite, KPI engine
Self-reported facts, independently verified.
Six sources. Each credential-gated — shown as "Ready to connect" until enabled.
OSHA Enforcement & ITA
SAM.gov
Dun & Bradstreet
State License Boards
COI Verification
FMCSA SAFER/SMS
OSHA Enforcement & ITA — inspections, citations, penalties, establishment injury/illness data.
SAM.gov — federal entity registration (UEI/CAGE), exclusions/debarment list.
State license boards — license status, classification, bond, disciplinary history.
FMCSA SAFER/SMS — motor-carrier safety profile for contractors with fleet exposure.
Dun & Bradstreet — firmographics, years in business, revenue band, financial-stress scores.
COI verification — third-party verification of active WC/GL/umbrella certificates and limits.
VERIWOLF never fabricates data. A source that isn't connected contributes nothing.
Enrichment results are stored separately from the contractor's self-reported fields.
Pull the dataset. Get pushed the events that matter.
When a GC grants access, a carrier consumes the risk dataset two ways.
↓ PULL — Risk profile feed
Token-scoped JSON feed returns the full underwriting data sheet, leading/lagging indicators, claims summary, Risk Signal Score with component breakdown, and verified WC exposure base by NCCI
class code.
Watermarked Underwriter Submission Pack (PDF) available from the same token.
↑ PUSH — Signed real-time events
Register a webhook URL. VERIWOLF POSTs HMAC-SHA256-signed events the moment they happen:
injury reported at gate check-out
entry denied on failed fitness check
incident reported with FNOL evidence packet
cert expiryPTP events
Same-day signal that a claim may be coming —delivered straight to your system
Access is per-GC and consent-based. The contractor issues a scoped token from inside VERIWOLF and can revoke it at any time. Every signature uses a secret shown once at setup for payload authenticity verification.
When the footage and the data agree.
Where a site runs UniFi Protect cameras — the AI Pro at the gate produces structured person and vehicle events — those events line up with access and attestation timestamps.
Footage and data corroborate each other instead of living on a DVR nobody can find after an incident.
Three ways to put it to work.
Win and keep accounts by helping GCs prove low risk. The gate tier is deliberately low-cost — often free — so you can recommend or require it without a budget fight.
MODEL
HOW IT WORKS
Offer a documented credit for verifiable leading-indicator performance. GC drives indicators up, recordables down; carrier rewards improvement; VERIWOLF supplies evidence.
Premium-credit program
Bring VERIWOLF to insured GCs via referral or revenue-share. Standard pricing; differentiated risk-monitoring story.
Co-sell / referral
Buy the gate tier for your book as a value-add. Roll a risk-data dashboard across consenting insured contractors and wrap-up programs
Carrier-paid & portfolio
The lines this data speaks to.
LINES
WHY IT MATTERS
Highest-frequency construction claim line. Strains, overexertion, falls from height, struck-by, motor-vehicle incidents. The gate bookend directly addresses the date-of-loss and injury-reporting questions that drive disputes.
Workers' Comp
EMR (baseline 1.0) multiplies WC premium up or down — but lags real performance by 1–2 years. VERIWOLF shows live leading indicators driving the trend now, before the EMR catches up.
EMR & pricing
$300M–$1B/yr industry-wide. Heavy-equipment thefts average tens of thousands each. Access control with after-hours alerts and badge logs directly attacks this line.
Theft & property
ONE PLATFORM, THE WHOLE JOBSITE.
Every field an underwriter asks for — one structured record.
Four categories, combining GC self-reports at enrollment with what VERIWOLF measures from real operations.
Firmographics & eligibility
Years in business, NAICS/class codes, annual revenue and payroll, license number/state/status, SAM UEI & DUNS
Coverage & financial standing
WC, GL, umbrella carrier, policy numbers, limits and expiry; COI on file; bonding capacity.
Loss history & experience
EMR trend, self-reported TRIR/DART, OSHA citation history, loss-run summary, categorized claims register (WC, GL, property, theft).
Safety program & live behavior
Written program, drug & alcohol testing, dedicated safety officer, return-to-work, sub-COI verification — corroborated by live leading indicators from the field.
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Optional data feed for safety wearables: man-down, fall, and SOS events by type and severity.
Signed webhook on critical events.
Shows "no wearable feed connected" until a device feed is added.
Never fabricates device data.
Drug & alcohol testing register records what the employer reports — not a medical exam or lab service.
Builder's-risk / values-on-site schedule captures insured values by category and coverage line per site.
We supply data. We don't underwrite
VERIWOLF is not an insurer, broker, or actuary. We never quote premiums, promise a rate, or set credits. Carriers and brokers own pricing and the regulated relationship.
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Attestations are a worker self-declaration — not a medical exam or drug test. VERIWOLF records what a worker attests; the employer owns the fitness-for-duty decision.
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Worker PII — badges, photos, certs, health and incident data — is sensitive. Capture is tenant-controlled, consent-aware, and scoped.
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Any carrier-facing data sharing is the policyholder's call.
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SOC 2 posture is in progress — never described as "certified."
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We sell the mechanism — a verifiable daily record — never a claim-reduction or fraud-savings figure unless a carrier's own book backs it in writing.
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Let's model it on your book.
20 minutes. The gate bookend, the indicators, and the submission pack — on a real project structure. We'll model the value on your own claim costs.