Question 1

What is Clasifi?

Accepted Answer

Clasifi is a premium audit management platform purpose-built for insurance carriers and audit vendors. It automates the full audit lifecycle — from carrier order intake and vendor routing to AI-powered document review, NCCI class code validation, payroll verification, quality review, and final carrier approval. It supports workers' compensation, general liability, commercial auto, garage, and BOP lines of business.

Question 2

Who uses Clasifi?

Accepted Answer

Clasifi serves three primary user groups: (1) Insurance carriers who submit audit orders and review completed audits, (2) Premium audit vendors and audit firms who manage their auditor teams and quality review processes, and (3) Field, telephone, and virtual auditors who conduct and submit audits.

Question 3

What types of premium audits does Clasifi support?

Accepted Answer

Clasifi supports all major lines of business including workers' compensation (WC), general liability (GL), commercial auto, garage, and BOP. It handles all audit methods: field audits, telephone audits, virtual audits, mail audits, voluntary audits, and waived audits. Multi-state audits with state-specific rules are fully supported.

Question 4

How does Clasifi's carrier-to-vendor workflow work?

Accepted Answer

Insurance carriers submit audit orders directly through their Clasifi portal. Orders are routed to assigned audit vendor organizations, where vendor managers assign individual field or telephone auditors. Completed audits go through vendor quality review, then are submitted back to the carrier for final approval or return for correction. The entire pipeline is tracked in real time with messaging between carriers, vendors, and auditors.

Question 5

How does Clasifi's AI document review work?

Accepted Answer

Clasifi uses AI to automatically extract data from uploaded documents including payroll records, 941 forms, W-2 summaries, certificates of insurance, and subcontractor records. The AI validates class code assignments against NCCI and ISO guidelines, flags payroll discrepancies, identifies officer inclusion and exclusion issues, and generates a risk score with specific findings for auditor review.

Question 6

Does Clasifi integrate with insurance carrier systems?

Accepted Answer

Yes. Clasifi supports bulk audit order import via CSV and Excel, API-based carrier feeds, and email intake. Completed audit results can be exported and delivered via portal, SFTP, email, or API depending on the carrier's preferred submission method.

Question 7

What is the pricing for Clasifi?

Accepted Answer

Clasifi's Professional plan starts at $49 per auditor per month and includes full audit lifecycle management, carrier and vendor portals, and analytics. The Professional + AI plan at $149 per auditor per month adds AI-powered document review, automated risk scoring, class code validation, and intelligent outreach.

Question 8

What is NCCI class code validation in premium auditing?

Accepted Answer

NCCI (National Council on Compensation Insurance) class codes classify workers by job type for workers' compensation premium calculation. Misclassified class codes are a leading cause of premium discrepancies. Clasifi validates assigned class codes against NCCI and ISO guidelines during audit review, flagging misclassifications and estimating the premium impact.

Question 9

What is a premium audit vendor?

Accepted Answer

A premium audit vendor (also called an audit firm or audit service provider) is a third-party company hired by insurance carriers to conduct premium audits on their behalf. Audit vendors employ field auditors, telephone auditors, and desk reviewers who verify policyholders' payroll, class codes, and exposure data at policy expiration. Clasifi is designed to streamline the relationship between carriers and their audit vendor partners.

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