CCI Insurance is opening its proprietary risk-management technology to companies outside its existing client base, broadening a workers’ compensation claims tool into a platform designed to document how businesses are responding to losses before they return to the insurance market.
The Higginbotham partner has renamed CompCorrect as RiskCorrect after expanding the platform across claim types and into incident tracking, safety activity, root-cause analysis and corrective action. Launched in 2020, the technology can now be purchased as a standalone offering by companies with significant claims exposure and complex risk profiles.
The expansion puts greater emphasis on what happens between a loss and the next renewal. RiskCorrect creates individual claim narratives and broader stewardship reports showing what corrective measures were taken and what changed afterward, giving underwriters additional information alongside an account’s historical loss record.
“CompCorrect was the right name when we were focused primarily on workers’ compensation. RiskCorrect reflects what we’ve built today,” said Tobin Robeck, Higginbotham | CCI managing director and regional sales director, who co-founded the platform.
That type of risk differentiation remains particularly relevant in US casualty, even as much of the commercial insurance market becomes more competitive.
The Council of Insurance Agents & Brokers’ Q2 2026 P&C market survey found average premiums across account sizes fell 2% during the quarter, but umbrella rates increased 5.3% and commercial auto rose 4.5%. Forty percent of respondents also reported a reduction in umbrella capacity.
Marsh similarly found that overall US commercial insurance rates fell 2% in the second quarter, while US casualty rates increased 7%. Its latest market index said capacity remained available but increasingly selective, with underwriters maintaining a strong focus on risk quality and program structure.
RiskCorrect uses artificial intelligence to analyze claims and incident data across a business, looking for recurring patterns that may be less obvious when individual losses are considered separately. CCI staff then assess the findings and determine what corrective action may be appropriate.
“AI can look across hundreds of claims and identify patterns that may be telling us something much bigger,” Robeck said.
The platform’s original workers’ compensation focus remains significant for employers whose prior losses affect future insurance costs. The NCCI Experience Rating Plan compares an employer’s loss experience with that of similarly classified businesses, with the resulting modification factor used to adjust workers’ compensation rates.
Workers’ compensation itself remains one of the more favorable parts of the P&C market. NCCI’s 2026 State of the Line analysis put the 2025 calendar-year combined ratio at 91%, marking 12 consecutive years of underwriting gains, while lost-time claim frequency declined 2%. Medical and indemnity claim severity both increased 4%.
“For the companies we serve, managing risk isn’t just about managing operating expenses. These companies might have hundreds of millions of dollars in potential work on the line, and it all comes down to one little rating. That rating can be the difference between winning the work and losing it,” said Brad Dempton, Higginbotham | CCI managing director and platform co-founder.
The launch also comes as major brokerages invest more heavily in proprietary risk analytics. Marsh introduced its AI-powered Risk Companion analytics suite earlier this year, including technology aimed at helping clients model insurance structures and prepare for renewals.
RiskCorrect’s expansion follows CCI’s 2025 partnership with Higginbotham, when CompCorrect was integrated with the brokerage’s Day Two Services offering for high-risk clients across the US.
