Fully Insured Employers

Workforce Risk Strategy

Preventive Claims Intelligence for Fully Insured Employers

Workers’ compensation premiums are driven by claims that develop quietly over time. Maxwell Health helps fully insured employers identify and reduce injury risk before incidents occur — improving experience modification factors, stabilizing premiums, and strengthening underwriting profiles through measurable, preventive intelligence.

Program Design

A Better Way to Reduce Workers’ Comp Risk

Traditional workers’ compensation programs are reactive by nature, addressing injuries only after they occur — when premium impact is already locked in. Safety programs often focus on training and compliance, but struggle to detect physical risk early enough to prevent claims from entering the system.

Maxwell Health was built to change this dynamic by rethinking how employers identify and manage injury risk. Instead of relying on subjective reporting or lagging indicators, Maxwell uses objective, repeatable functional screening to make risk visible earlier. Employees engage through a fast, self-service experience that fits into their workday, while employers gain clear, measurable insight into workforce risk trends. By making prevention objective, simple, and ongoing, Maxwell shifts workers’ comp from claims response to proactive risk control.

Participation rises when wellness is easy, relevant, and personalized.

How Maxwell Delivers Results

Employees receive:

Employers receive:

No individual medical data is shared with employers.

Proven Outcomes

Measurable Impact

Maxwell transforms workers’ compensation into a measurable, preventive strategy — not a passive insurance expense. Fully insured employers benefit from:

Reduced claim frequency
Lower claim severity
Improved experience modification factors
Greater premium stability over time

target reduction in experience mod impact over 24 months

0 %

of employers demonstrating improved underwriting profiles

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One Integrated Risk Check — Four Objective Signals

Every quarter, participating employees complete a short, guided session that combines four complementary functional checks. Together, they show whether prevention efforts are translating into real, measurable risk reduction.

Quarterly Risk Monitoring — Measured, Not Assumed

How Maxwell Builds a Clear Picture of Risk Over Time

Every quarter, employees complete the same short, standardized screening session. This consistency allows employers and carriers to see how risk is changing — not guess based on isolated incidents.

Employers receive:

Individual trendlines showing change over time
Aggregate, anonymized workforce risk insights
Objective proof of participation and improvement
A claims-prevention program measured by outcomes, not reports

Deployment & Operations

Easy to Deploy, Easy to Manage

Maxwell Health is designed to integrate seamlessly into existing workplace and community environments with minimal operational burden. The system is fully automated, eliminating the need for ongoing HR management or administrative oversight. Once deployed, Maxwell operates independently — handling intake, screening, analysis, and reporting without disrupting internal workflows.

Employees can access Maxwell Health Pods in locations that fit naturally into their routines. Pods may be placed directly on employer campuses, accessed at nearby community locations, or located within participating retail and mixed-use centers. This flexible deployment model reduces friction, increases participation, and allows employers to deploy a high-impact claims-prevention strategy without added complexity.

Get Started

Reduce risk before critical claims happen.

Maxwell Health helps fully insured employers improve loss performance, stabilize premiums, and demonstrate proactive risk management through objective, preventive intelligence.