Control the risk metrics that control your business.
RiskCorrect captures incidents, manages claims, automates follow-up and compliance, finds root causes, and turns every loss into corrective action. Contractors use it to protect their people, their insurance results, and their ability to win work.
Bring five years of loss runs and your mod worksheet. We'll show you what they cost you.
- Handled
- Follow-up care scheduled on day 1. Light duty offered on day 1, logged daily until full release.
- Corrective action
- Cut-resistant gloves required for all saw work. Crew retrained and signed off 06/14.
- Status
- Closed Mod impact modeled
documented savings on client claims
claims managed across workers' comp, auto, casualty and property
in incurred losses under active management
hours of RiskCorrect team work on client claims
Platform dashboard, all clients, all time, as of September 2026. Last 12 months alone: $4.4M saved across 926 claims.
Your renewal is priced on a spreadsheet you didn't write.
A loss run is a list of dollars with no context. Most programs log a claim, wait, and hope. The underwriter then reads a bare number and assumes the worst.
For many contractors, premium isn't even the biggest cost. A mod over 1.00 can shut you out of the bids you want most.
Not more data. Knowing what needs attention, who owns it, and what happens next.
Crews report incidents and near misses from the field before the details are lost.
Claims, people, documents, deadlines and decisions live in one system.
AI-supported analysis and experienced people find root causes and assign corrective action.
The work and its results are documented for leadership and underwriters.
Better claim outcomes, employee retention, compliance and bid eligibility.
The RiskCorrect Loop: six stages on one record.
A claim isn't where risk starts, and a renewal isn't where it ends. Each stage hands the next one something it needs.
Train & Document
Training and loss control, logged so they count as evidence.
02 · PRE-LOSSQualify the Sub
Sub certificates chased automatically, so their losses stay theirs.
03 · PRE-LOSSCapture the Incident
Near misses and observations reported from the field by QR code.
04 · POST-LOSSManage the Claim
Every line managed to close, with action items on each claim.
05 · POST-LOSSWrite the Narrative
Losses turned into a story with an ending.
06 · RENEWALRenew on Better Data
You negotiate on your RiskCorrect outcomes, not the carrier's loss runs.
See your next renewal before the underwriter does.
Send us your loss runs, mod worksheet and policies. A producer walks you through a report showing what your losses cost today and what they'd cost with RiskCorrect managing them.
Total cost of risk
The headline number: what your losses, premium and retained costs add up to, today and going forward.
Mod and premium
Your experience mod rebuilt claim by claim, including independent bureau states.
Every line
Auto, GL and property claims get the same claim-level review as comp.
An action plan
Safety gaps, contract risk transfer problems, and the order to fix them in.
What it is, who it's for, and what it isn't.
RiskCorrect is a claims and risk management platform, sometimes called a risk management information system (RMIS), built for contractors and other high-risk employers. It manages workers' compensation, general liability, auto and property claims, tracks incidents before they become claims, documents corrective action, and produces the OSHA logs, experience mod analysis and renewal narratives that underwriters, owners and general contractors ask for.
Every client's file is worked by named Claim Strategists and Risk Consultants. The platform is owned by Higginbotham and sold as a standalone, fee-based product: you don't have to buy insurance through Higginbotham to use it, and it doesn't replace your carrier, TPA or broker.
Best for: construction trade contractors and general contractors with about 50 to 10,000+ employees, especially where bidding depends on the experience mod, TRIR or OSHA record. Also marine, staffing, healthcare, manufacturing and transportation companies that need claims and risk management without the bid-qualification pressure. Not for: companies looking for a claims diary alone, a safety app alone, or a replacement for their carrier.
- Category
- Claims and risk management software with a human claims team (RMIS + claims advocacy)
- Lines
- Workers' comp, general liability, auto, property, pollution, builders risk, marine, and all lines of property and casualty insurance
- Coverage
- All states and jurisdictions, including NCCI and independent bureau states
- Model
- Standalone, fee-based; no insurance purchase required
- Owner
- Higginbotham
- Based in
- St. Petersburg, Florida
- AI
- AI-enabled; personal identifiers removed before any document reaches a model; data never used for model training
- Formerly
- CompCorrect (workers' comp only)
- Track record
- 4,000+ claims managed, $12.9M+ documented savings, 14,000+ team hours (as of Sept 2026)
Where RiskCorrect fits against the usual options.
Most contractors run claims through one of three setups. Here's what each one does and doesn't do.
| Carrier or TPA portal | Claims software / RMIS alone | Broker + spreadsheets | RiskCorrect | |
|---|---|---|---|---|
| Whose interest the claim is managed in | The carrier's | Yours, if you staff it | Yours, when the broker has time | Yours, with a named Claim Strategist from first notice |
| Every line of coverage in one file | One carrier's lines only | Yes | No | Yes |
| Incidents and near misses captured from the field | No | Some | No | Yes, by QR code on any phone |
| Corrective action tied to each loss | No | Manual | No | Yes, with owner, due date and proof |
| Reserve changes flagged, cost factors updated | No | Manual | No | Automatic |
| Live OSHA 300/300A, TRIR and DART | No | Some | No | Yes |
| Sub certificate and contract tracking | No | Some | Spreadsheet | Yes, with automatic renewal requests |
| Renewal narrative for underwriters | Loss run only | Loss run only | Broker writes it | Generated from the claims and corrective actions |
| People working the file | Carrier adjuster | Your staff | Broker service team | Claim Strategists and Risk Consultants |
Comparison is by category, not by any specific vendor. "Some" and "Manual" mean the capability exists in some products but depends on configuration or on your own staff.
Thanks to RiskCorrect (previously CompCorrect), we reduced our workers' compensation costs by 66%, saving over $200,000 a year. They helped us understand the impact our experience modification rate has on our overall costs.
Bill Coughlin · President
What did your last five years of claims cost you?
A 30-minute review with a producer. No obligation. You don't need to change carriers or brokers.