What you hand the underwriter
Finance does not need another wellness story. It needs a file. These three exports are the packet customers take to The Hartford, AmTrust, Travelers, Chubb, and state programs.
Stress spikes by site, time-stamped, with no names attached.
A monthly view that the program is actually running.
Notes that show a manager acted before a claim.
Workers’ Compensation Carriers Rewarding Wellness Documentation
Bring these logos into your slide deck or renewal packet. Every carrier below explicitly mentions safety, wellness, or risk management documentation as a requirement for lower premiums.
The Hartford
The Hartford’s workers’ comp division states that safer workplaces qualify for lower premiums and risk management credits. Wellness Pulse provides the weekly location-level data they expect: stress spikes, wellness trends, and intervention notes you can export in minutes.
AmTrust Financial
AmTrust guides employers to deploy safety and wellness programs to reduce claims. Their underwriting teams look for documented interventions and participation. Export Wellness Pulse stress alerts and monthly summaries, then submit them with their premium credit request forms.
Travelers
Travelers’ Risk Control consultants tailor discounts for employers documenting proactive safety and wellness. Show that your teams use Wellness Pulse weekly to flag concerns, and you can access on-site consultations plus premium credits.
EPLI Carriers Rewarding Proactive Monitoring
Employment Practices Liability Insurance (EPLI) carriers focus on harassment, discrimination, and wrongful termination claims. When you can prove you monitor workplace climate continuously and train managers, you negotiate better pricing and coverage limits.
The Hartford · EPLI
HartfordHelp.com delivers harassment and workplace conduct training. Pair those training completion reports with Wellness Pulse sentiment data for a complete loss-prevention packet that underwriting teams love.
Travelers · Risk Management Plus+
Travelers offers Risk Management Plus+ Online to EPLI policyholders. Show them you are pairing that curriculum with real-time climate monitoring. Our customers reference Wellness Pulse alerts during renewal calls to secure deductible reductions.
Chubb
ChubbWorks gives EPLI clients model policies and training. Add Wellness Pulse reports to your Chubb renewal package to demonstrate early issue detection and ongoing documentation, both of which their loss-prevention teams encourage.
State Programs Offering Immediate Premium Credits
Even if your carrier hasn’t proactively offered a discount, your state might require them to. Start with Delaware and Colorado, two of the most aggressive programs, and check if your state is among the 15 that legally mandate premium reductions for approved safety/wellness programs.
Delaware Workplace Safety Program
Document your safety committee, monitoring tools, and training, then submit Wellness Pulse reports to qualify for multi-year premium reductions. Since 1989, Delaware employers have saved millions through this program.
Colorado Premium Cost Containment
Certified employers receive up to a 10% direct discount on workers’ comp premiums. The certification requires proof of ongoing safety monitoring, precisely what your Wellness Pulse dashboards deliver. Confirm current enrollment steps with your Colorado workers’ compensation carrier or the Colorado Department of Labor and Employment.
State-by-state workers’ comp rules
Many states require or encourage premium credits when employers implement certified safety or wellness programs, often with ranges such as roughly 2–25% depending on sector and claim history. Use official state and federal workers’ compensation guidance to confirm what applies where you operate.
How to Position Wellness Pulse With Your Broker or Carrier
Insurance renewals move fast. Use this four-step framework to keep the conversation focused on measurable savings.
Export location-level stress alerts, monthly participation dashboards, and intervention notes from Wellness Pulse. Bundle them into a single PDF.
Email or call your broker: “We’ve implemented the Wellness Pulse anonymous monitoring program and need to apply for your safety/wellness premium credit. What documentation should we send?”
Point to the carrier resources above or your state’s mandated program. When they hear you cite the policy by name, they move faster.
Once the discount hits, log the savings. Follow up each quarter with fresh Wellness Pulse exports to keep the credit active.
Take $20,000 to your broker.
That is a 10% credit on a $200,000 workers’ comp premium. The file that supports the ask is $30 a month per location.
We will package the exports and draft the outreach with you. If you already have an account lead, loop them in and we will sit with your broker.
Questions first? Contact us and mention “Insurance Savings Packet”.