Use Cases

One platform. Three vantage points.

The same predictive engine, surfaced for the role and the metric that matters to each side of the workers' comp ecosystem.

Carriers & MGAs

Direct senior attention to the files that move the combined ratio.

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.

2–3 pts
Combined ratio improvement
30%+
Reduction in reserve development
20×
Faster triage at FROI
Self-Insured Employers

See your claims the way your 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.

90 days
Earlier severity warning
MSA
Pre-flagged at FROI
RTW
Coordinated upstream
Third-Party Administrators

Differentiate service. Defend fees. Win mandates.

Canotera gives your adjusters predictive triage at intake, gives your client-facing teams defensible data for stewardship reviews, and gives leadership a portfolio-level view of which clients' books are heading the wrong direction — before they tell you.

Day 1
Senior-examiner triage instinct
Stewardship
Predicted vs. actual reporting
Portfolio
Client-segmented risk view

Give us twenty minutes and one claim. We'll produce real signal.