In today's insurance environment, the stakes for getting worker classification and claim documentation right have never been higher. Regulatory scrutiny is intensifying, penalties are steep, and a changing legal landscape means that even well-intentioned insurers can face costly surprises. The solution is to move beyond prediction and start knowing.
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AI-guided, customizable, claimant-facing interview flows that can be scheduled or triggered on-demand. Sessions can be tied to visual ID and geofenced location confirmations, collect user-uploaded photos and documents, and produce concise, manager-ready summaries.
All session data, media, timestamps, and identities become part of the searchable AuditTrail and can be compiled into court-ready reports with an electronic chain of custody.
The insurance industry faces an unprecedented fraud crisis requiring advanced, technology-driven solutions that move beyond traditional reactive methods.
Workers' compensation fraud costs the industry $34 billion annually, directly eroding profitability and forcing carriers to price in fraud risk. Every fraudulent claim not only impacts your loss ratio but also forces you to raise premiums for legitimate clients, potentially driving them to competitors with better fraud controls.
Modern fraud schemes evolve faster than rule-based detection systems can adapt, leaving insurers vulnerable to sophisticated patterns that traditional methods can't catch.
The convergence of computer vision, machine learning, and real-time monitoring capabilities represents a paradigm shift from reactive fraud investigation to proactive risk mitigation.
The technology-driven trust broker model, built upon continuous behavioral observation, direct AI-claimant engagement and analytics, offers insurance companies an unprecedented opportunity to fundamentally restructure their approach to loss prevention.
Automated SiteID visual location-based check-ins make it nearly impossible to file a credible claim for an injury that occurred off-site.
Claims managers can program a claimant's expected locations and schedule required visual ID check-ins. The system runs quietly in the background, alerting managers only when check-ins are missed or occur from unapproved locations.
This automated process can instantly flag if an individual is working another job while collecting benefits, replacing the high cost and logistical hassle of physical surveillance with an efficient, data-driven solution.
Scheduled or randomized Connect Sessions collect claimant status updates, therapy confirmations, and readiness-for-duty attestations—creating a transparent, defensible history of recovery.
All interactions create a clear, time-stamped, media-rich record that slots directly into the AuditTrail, paired with visual and geofenced check-ins to create a tamper-evident, searchable history.
Recent enforcement actions reveal a new era of enforcement with multi-million dollar consequences. These are not outliers; they are clear signals for insurers.
The core risk lies in established legal doctrines that pass liability from the client to the carrier.
California: Company cited for over $2.3 million for willful misclassification, including failure to provide workers' compensation insurance
New Jersey: Attorney General filed landmark lawsuit against logistics company for misclassifying hundreds of drivers, seeking millions in penalties
Statutory Employer Doctrine: Entergy Gulf States v. Summers affirms insurers face liability when clients' subcontractors are uninsured
Vyrfi establishes a definitive roster of authorized personnel on any job site through its SiteID Check-In process. Since every individual must be provisioned with a Vyrfi account and perform an app-based visual, geofenced check-in, insurers can craft policies that extend coverage exclusively to these SiteID-verified workers.
This transforms risk management, effectively neutralizing the "statutory employer" trap by ensuring the premiums collected and the risks covered are perfectly aligned.
AI-guided onboarding interviews capture worker role details, subcontractor relationships, and attestations aligned to tests like ABC, with visual ID and location confirmation at the time of submission.
Relying on contracts and affidavits as an ironclad defense is a risky strategy.
Landmark rulings like Dynamex Operations West v. Superior Court established the strict "ABC test," making it clear that courts now look past paperwork to the reality of the working relationship.
This shift places the burden of proof for worker classification squarely on the employer and their insurer.
Vyrfi's SiteID and AuditTrail create the exact evidence courts now demand: a digital, time-stamped, and visually-confirmed record of who was present, where, and when.
This real-time verification provides insurers with defensible, court-ready evidence that is far more powerful than a piece of paper in the event of a claim, audit, or dispute.
Connect Sessions capture structured Q&A, user-uploaded photos/videos/documents, and produce manager-facing summaries—each cryptographically linked to the user's visual ID, time, and geolocation.
Enterprise clients can generate consolidated, court-ready reports that include the electronic chain of custody for SiteID check-ins and associated Connect Sessions, strengthening evidentiary weight.
As workforces become more mobile, claims frequently cross state lines, creating complex jurisdictional challenges. Insurers can no longer afford to guess who was working where and when.
Courts have repeatedly found that the employment relationship, not just the physical location of the injury, determines liability, as seen in Zurich American Insurance v. Lawhorn.
Complex jurisdictional disputes can lead to costly coverage disagreements and regulatory compliance issues.
Vyrfi's platform provides a clear, unified view of worker presence across all locations and jurisdictions. It provides the clarity and defensibility needed to navigate multi-state claims, ensuring that coverage is applied correctly and that jurisdictional disputes are settled with factual data.
Searchable, Structured Summaries:
Connect Session summaries are searchable by project, policy, jurisdiction, incident type, or claimant, helping adjusters quickly assemble facts tailored to state-specific standards.
Recommending technology to your insureds requires confidence in its compliance and data security. Vyrfi was designed from the ground up to respect employee privacy, giving your clients control without creating new liabilities for them—or for you.
Continuous, 24/7 background location tracking can lead to significant legal trouble. In Arias v. Intermex, a company faced a lawsuit because the app it required employees to use tracked their location even during private, off-duty hours, leading to claims of invasion of privacy.
Consequences: Lawsuits, regulatory fines, damaged reputation, liability exposure
Check-In, Not a Tracker: Vyrfi only captures location data at the precise moment a user chooses to perform a check-in
Data Ownership and Security: The data generated belongs to your client. Vyrfi does not sell or use the data for any other purpose
Based on Agreement: Post-claim or recovery use of requested check-ins would be based on clear agreements with the claimant
Privacy-Respecting AI: Connect Sessions initiated with clear purpose and consent language; discrete moments, never continuous surveillance
Insurers who rely on predictive models and after-the-fact investigations are playing catch-up in a world where regulators and courts demand real-time, verifiable data. Vyrfi bridges this gap, transforming risk management from a reactive process to a proactive, data-driven strategy.
Prevent fraud and eliminate ambiguity with automated, visual, and location-based verification.
Ensure adherence to evolving state and federal regulations like the ABC Test with robust, searchable audit trails.
Defend claims decisions with real-time, court-ready documentation that stands up to legal scrutiny.
Use verifiable data to accurately price risk and empower clients to reduce premiums by demonstrating best practices.
Move from prediction to knowledge, delivering measurable loss mitigation and unparalleled operational efficiency.
AI-guided interviews for incidents, onboarding/classification, progress, return-to-work readiness, and safety follow-ups with automatic summaries and one-click court-ready reporting.
"When we make the claim process interactive and real-time, we empower all parties—workers, employers, and insurers—to achieve better outcomes, reduce fraud, and move closer to the ideal of zero loss. It's about transforming technology from a passive observer into an active participant in the claim lifecycle."— Robert McGinn, Founder, Vyrfi
"As the industry increasingly embraces AI and automation, the integration of claimant-facing technologies like Vyrfi's digital trust broker architecture will become foundational. These systems not only improve fraud detection accuracy but also enhance transparency, streamline claims processing, and foster trust between insurers and policyholders."— Ben McMillan, Chief Investment Officer, IDX FUNDS
The legal and regulatory landscape is unforgiving. Vyrfi provides a powerful, data-driven tool to help your company execute its risk & compliance strategy with precision. However, it is essential to understand that Vyrfi is a tool to assist your compliance program, not a substitute for it.
Using Vyrfi alone does not constitute compliance with state or federal laws. The responsibility for building and maintaining a comprehensive compliance program, including legal counsel and operational protocols, remains entirely with your organization. Vyrfi and its parent company, Altavine Technologies, LLC, do not accept any liability for legal, financial, or other outcomes resulting from the use of the Vyrfi platform. You own your data, you own your processes, and you own your compliance. Vyrfi provides the verifiable proof to help you win.
By integrating solutions like Vyrfi SiteID and AuditTrail early in the claim process, workers become part of the solution from day one. Their presence is visually verified at the worksite, providing indisputable evidence should a claim arise. If a claim is filed, another check-in can confirm their location during recovery, ensuring benefits are protected and the insurer has a clear audit trail.
Ultimately, "Stop Predicting, Start Knowing" is a call to action for the industry: to stop relying solely on models and assumptions, and start leveraging technology to directly capture the truth. Visit vyrfi.com to learn how real-time verification can protect your business and your bottom line.
Learn more about how Vyrfi can transform your risk management strategy.
