In today's business environment, the stakes for getting worker classification and claim documentation right have never been higher. The solution is to move beyond prediction and start knowing.
AI-guided, customizable, worker-facing interview flows that can be scheduled or triggered on-demand. For self-insured businesses, this means onboarding, classification attestations, incident capture, and recovery updates can all be collected through structured, tamper-evident conversations—replacing ambiguity with verifiable, defensible records.
Workers' Compensation faces an unprecedented fraud crisis requiring advanced, technology-driven solutions that move beyond traditional reactive methods.
Workers' compensation fraud costs $34 billion annually. For self-insured businesses, every fraudulent claim is a direct hit to your bottom line—there's no insurance company buffer. You absorb 100% of the cost, making fraud prevention not just important, but essential to your financial survival.
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 self-insured businesses 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.
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
Texas: Entergy Gulf States v. Summers affirms liability can fall to general contractor for uninsured subcontractor's injured employees
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, your risk management team can define the scope of liability to extend coverage exclusively to these SiteID-verified workers.
AI-led interviews can capture role details, subcontractor relationships, and worker 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 as the self-insured entity.
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.
Court-Ready Evidence:
Real-time verification provides defensible, court-ready evidence that is far more powerful than a piece of paper in the event of a claim, audit, or dispute.
Fraudulent and exaggerated claims remain a persistent drain on profitability. Vyrfi provides a proactive solution to manage the entire fraud lifecycle.
Automated 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. Managers are only alerted if a check-in is missed or occurs from an unapproved location.
Scheduled or randomized Connect Sessions collect claimant status updates, therapy confirmations, and readiness-for-duty attestations—creating a transparent, defensible history of recovery.
As workforces become more mobile, claims frequently cross state lines, creating complex jurisdictional challenges.
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.
Large businesses can no longer afford to guess who was working where and when.
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.
Searchable Summaries:
Connect Session summaries are searchable by project, policy, jurisdiction, incident type, or claimant—helping your risk team quickly assemble facts tailored to state-specific standards.
Vyrfi was designed from the ground up to respect privacy boundaries, giving you control without overreach.
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.
Check-In, Not Tracker: Vyrfi only captures location data at the precise moment a user chooses to perform a check-in.
Consent-Driven AI: Connect Sessions are initiated with clear purpose and consent language.
You Own Your Data: We do not sell data or engage in advertising. The data belongs to you.
Based on Agreement: Use of check-ins or sessions in post-claim settings would be based on clear agreements.
Businesses 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.
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 assess project liability and empower teams to reduce risk.
Move from prediction to knowledge, delivering measurable loss mitigation and operational efficiency.
Capture structured interviews, incident details, and recovery attestations that strengthen compliance.
"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, AuditTrail, and Connect Sessions early in the claim process, workers become part of the solution from day one. When we make the claim process interactive and real-time, we empower all parties—workers, employers, and risk management teams—to achieve better outcomes, reduce fraud, and move closer to the ideal of zero loss.
Visit vyrfi.com to learn how real-time verification and Connect Sessions can protect your business and your bottom line.
Learn more about how Vyrfi can transform your risk management strategy.
