RISK & WORKERS’ COMP

Know the risk.
Keep your eyes on the reward.

Keep rates, classifications, source documents, coverage records and accountable work connected from quote through renewal. Bold helps your experts protect the book, preserve the margin and pursue the right business.

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CLIENT RISK CONTROLAcme Manufacturing Ltd

REVIEW REQUIRED

OPERATING STATES61 added this year

ACTIVE CLASS CODES32 from approved quote

POLICY RENEWALJAN 1121 days remaining

WHAT CHANGED SINCE APPROVAL

Field installation work addedClient interaction · September 2

REVIEW CLASSIFICATION

→

Texas location openingTicket TKT-000004 · Owner assigned

IN PROGRESS

✓

Current policy document on fileExpires January 1, 2027

CURRENT

BO BRINGS INTO VIEWThe new installation work does not appear in the operating description used at approval.

ONE CONNECTED RISK & REWARD STORY

01Understand02Price03Document04Monitor05Review06Act07Renew

RISK CONTROL FOR THE ENTIRE CLIENT LIFECYCLE

Protect the book.
Preserve the margin.
Pursue the right reward.

Bold organizes the rates, sources, coverage records, client changes and professional follow-through surrounding the carrier and claims systems your team already relies on.

WORKERS’ COMPENSATION RATE CONTROL

One source for every rate that shapes the deal.

Organize carrier rates, class codes, effective periods and the pricing used in each quote. Preserve the source and history so risk and sales teams work from the same approved information.

Maintain rates by carrier, state and class code
Separate source rates from approved quoting rates
Track effective dates and prior versions
Keep source documents and accountable owners nearby

WC RATE LIBRARY2027 Carrier Rates

TEAM MAINTAINED

Guardian CasualtyALL STATESACTIVE RATES+ ADD RATE

STATE / CLASSCARRIER RATEQUOTING RATEEFFECTIVESTATUS

FL · 3632Machine shop operations

2.843.1201/01/27CURRENT

TX · 3724Equipment installation

4.164.5801/01/27REVIEW

NC · 8810Clerical office employees

0.120.1501/01/27CURRENT

POLICY & COVERAGE REGISTERAcme Manufacturing Ltd

4 RECORDS

ACTIVERENEWAL IN PROGRESSARCHIVED

WORKERS’ COMPENSATIONGuardian Casualty · WC-48291Jan 1, 2026 to Jan 1, 2027 · 6 states

CURRENT

ENDORSEMENTTexas coverage additionRequested Sep 2 · Confirmation pending

FOLLOW-UP DUE

CERTIFICATEAcme Manufacturing COI.pdfAdded by Rachel Anderson · Aug 28

ON FILE

POLICY & COVERAGE RECORDS

Know what is covered, what proves it and what expires next.

Keep policy information, effective dates, documents, endorsements and follow-up work with the client record. Bold tracks the information your team maintains while carriers and policy systems remain authoritative.

Store policies, certificates and supporting documents
Record effective and expiration dates
Assign renewals, endorsements and missing evidence
Preserve carrier, broker and client contacts

CONFIGURABLE RISK WORKFLOWS

Build the process once. Run it consistently every time.

Use questionnaires, workflows, tickets and tasks to coordinate recurring risk work. Your PEO defines the required information, professional review, owners, approvals and completion standard.

Standardize classification and operational-change reviews
Collect audit and loss-run documents
Coordinate new-state coverage and certificates
Track safety, claim and return-to-work follow-through

RISK WORKFLOWAnnual Loss-Run Review

ACTIVE

CLIENTAcme Manufacturing

PROGRESS62%

TARGETOctober 8

✓

Confirm carrier and policy periodRisk team · Completed Sep 3

COMPLETE

✓

Request current loss-run documentsTask + client interaction

COMPLETE

Collect requested documents2 of 3 files received

CLIENT ACTION

Professional review and findingsUnlocks when documents are complete

WAITING

Create client follow-up planOwner assigned after review

WAITING

ASK BO · RISK & WORKERS’ COMPWhat has changed since this account was approved?

BO’S SUMMARYTwo operating changes deserve professional review.

Acme added field-installation work and is opening a Texas location. The original opportunity described machine-shop operations in five states. One policy endorsement and one classification review remain open.

ORIGINAL OPPORTUNITY2 RECENT INTERACTIONS3 OPEN TASKS

YOUR COUNCIL OF PEO EXPERTS

Is this still the risk and reward
we intended?

The Council connects underwriting assumptions, operational changes, payroll context, client commitments and financial implications. Accountable professionals still make every classification, coverage and risk decision.

RISK & REWARD BRIEFREVIEW BEFORE CONFIRMING TERMS

Acme remains aligned with the original risk profile, but the new installation work and Texas location require review. Confirm the classification, coverage endorsement and approved rate before renewal planning.

2 CHANGES IN VIEW3 PROFESSIONAL ACTIONS

RISK

Review the new installation work before confirming the existing classification.

UNDERWRITING

The original account was approved for machine-shop operations only.

PAYROLL

Three employees moved into field-installation work this quarter.

CLIENT SERVICE

The client expects one action plan before the October review.

Updated job descriptions are available for professional review.

FINANCE & COMPLIANCE

Protect the approved rate assumptions and retain the source evidence.

A LIVING RISK RECORD

Know why you accepted the risk.
See when the story changes.

Bold preserves the rates, sources, coverage records, client communications, decisions and follow-through so every review begins with established context.

THE STORY STAYS CONNECTED

✓Original underwriting and quote context

✓Carrier rates and effective periods

✓Policies, certificates and source documents

✓Operational changes and professional reviews

✓Owners, decisions and client follow-through

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RISK & WORKERS’ COMP WITH BOLD

Protect the book. Preserve the margin. Pursue the right reward.

Rates under controlCoverage records in reachRepeatable risk workflowsChanges surfaced earlyProfessional judgment protected

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