Built for Workers' Comp

Catch the 5% of Claims That Drive 50% of Losses.

Canotera turns first-report-of-injury data into predictive signals on severity, litigation likelihood, and ultimate cost so carriers, employers, and TPAs intervene before a routine indemnity claim becomes a six-figure file.

See How It Works

Trusted by carriers, self-insured employers, and TPAs · ISO 27001 certified

Operational intelligence for workers' comp leaders

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The Challenge

Most claims look identical at FROI. The expensive ones don't stay that way.

At first report of injury, a strain, a slip, and a struck-by all read like routine medical-only files. But a small percentage will quietly evolve into long-tail indemnity claims with attorney representation, opioid dependency, comorbidity complications, and reserve developments that blow through original estimates.

By the time the escalation signals are obvious, such as late return-to-work, treatment plateau, surveillance flags, the file is already entrenched and the cost is locked in.

The window to bend severity sits inside the first ninety days. Most teams spend those ninety days assigning the file.

20×

Faster Claim Triage at FROI

30%+

Reduction in Reserve Development

2–3 pts

Combined Ratio Improvement

How Canotera Works

Predictive signals from the first report of injury.

Escalation Risk

Flags claims most likely to attract attorney representation, exceed jurisdictional medical guidelines, or develop adverse comorbidities, within days of FROI, not months.

Reserve Forecast

Projects ultimate incurred ranges from comparable closed claims, so initial reserves reflect probable severity rather than historical average.

Litigation & Settlement Insight

Surfaces likely resolution ranges and venue-specific patterns, so adjusters and defense counsel align strategy before plaintiff posture hardens.

Purpose-built for the WC Ecosystem

One platform. Three vantage points.

Carriers & MGAs

Identify the outlier claims hiding in routine caseloads. Improve loss ratios by directing senior adjuster time, nurse case management, and defense resources to the files that will actually drive your combined ratio — not the 80% that resolve cleanly on their own.

Self-Insured Employers

See your claims the way your carrier or excess market sees them. Get early warning on files that will pierce your retention, develop into Medicare set-asides, or trigger experience mod impacts — with enough lead time to influence outcomes through return-to-work, medical management, and counsel selection.

Third-Party Administrators (TPAs)

Differentiate your service offering and protect client retention. Canotera gives your adjusters predictive triage at intake, gives your client-facing teams defensible data for stewardship reviews, and gives your leadership a portfolio-level view of which clients' books are heading in the wrong direction — before they tell you. Win new mandates with measurable triage performance, not promises.

For TPAs Specifically

Your edge in a commodity market.

TPAs compete on service, technology, and outcomes. Canotera plugs directly into your claims workflow to give every adjuster the triage instincts of your most experienced examiner.

Surface the 5–10% of files that need senior attention on day one. Demonstrate measurable claim outcomes in stewardship reviews. Defend your fee against captive and carrier-owned competitors with data your clients can verify against their own loss runs.

See the TPA use case

Adjuster-level triage
Severity and litigation predictions delivered at FROI, integrated into your claims platform.
Stewardship-ready reporting
Client-facing dashboards showing predicted vs. actual outcomes, reserve accuracy, and intervention impact.
Portfolio risk view
Identify which client books are trending toward adverse development before renewal conversations.
Onboarding new mandates
Run predictions against a prospect's loss run during pursuit. Show them what their book actually looks like.
White-label friendly
Deliver insights under your brand if needed.

Request a Briefing

See it on one of your claims.

Submit your details and we'll run a complimentary prediction on a representative file from your book. No commitment, no integration required to evaluate.

Custom walkthrough tailored to your role and book
Predictions on 1 representative claim, free
ISO 27001 certified — your data stays your data

Or skip the form and

Questions

What teams ask before they pilot.

Claims systems organize the file. Canotera reads it, predicting severity, escalation, and resolution range from incident materials, then surfacing the comparable construction matters that anchor strategy. We sit alongside your CMS, not in place of it.

Yes. We work with intake the way it already exists, including first notice, photos, OSHA documentation, contracts, policies. Output flows back via secure dashboards or direct integration with Origami, Riskonnect, ClaimCenter, and most major systems.

A first report of injury is enough to begin. Adding medical bills, ISO claim search, jurisdiction, and employer data sharpens the prediction. PHI is handled under signed BAAs, processed in single-tenant environments, and never used to train models served to other clients.

A pilot prediction on one representative claim runs in under a week. Full deployment for a portfolio — including adjuster training and stewardship reporting — typically lands inside 30–60 days, scoped against your intake cadence and reserving discipline.

We normalize data per client and isolate models and reporting at the client level. Stewardship dashboards, predicted vs. actual reporting, and portfolio views are all client-segmented, so you can run dozens of books on one platform without leakage between mandates.

ISO 27001 certified. Single-tenant deployments available. Client data is never used to train models served to other clients, and all processing is governed by signed DPAs and BAAs as required.