01

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.

02

BindCheck compares the prior WC policy to the renewal and flags what changed across the Information Page items and the endorsement schedule.

03

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.
04

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.

05

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.