Question 1

What is X-Mod Forensic Analysis?

Accepted Answer

X-Mod Forensic Analysis is the scientific process of deconstructing an employer's Experience Modification Rate by parsing historical loss runs, applying WCIRB Table I credibility factors, and identifying premium leakage patterns to optimize workers' compensation costs for PEOs and insurance underwriters.

Question 2

What is PAGA Exposure Calculation?

Accepted Answer

PAGA Exposure Calculation is a forensic methodology that quantifies an employer's financial liability under California's Private Attorneys General Act by analyzing workforce size, violation categories, penalty structures, and statutory timelines to produce actionable risk scores for PEO underwriters and compliance officers.

Question 3

What is Loss Run Intelligence?

Accepted Answer

Loss Run Intelligence is an AI-powered document parsing system that extracts structured claims data from carrier loss run PDFs, normalizes policy periods, categorizes claim types, and identifies outlier losses to enable forensic underwriting analysis for workers' compensation and general liability programs.

Question 4

What is Proposal Intelligence?

Accepted Answer

Proposal Intelligence is a generative AI engine that synthesizes CRM data, HR assessments, underwriting metrics, and industry benchmarks to produce personalized, executive-ready proposals using SPIN Selling methodology—transforming weeks of manual work into minutes for PEO sales teams.

Question 5

What is Underwriting Intelligence Sync?

Accepted Answer

Underwriting Intelligence Sync is the forensic process of aligning historical loss runs with real-time industry benchmarks, carrier appetite matrices, and credibility-weighted projections to identify premium leakage and optimize program placement for PEOs, MGAs, and insurance brokers.

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