# Send Workers Compensation Compliance to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- Download the package from Yavira.
- Extract it into a folder your agent can access.
- Paste one of the prompts below and point your agent at the extracted folder.
## Suggested prompts
### New install

```text
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete.
```
### Upgrade existing

```text
I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run.
```
## Machine-readable fields
```json
{
  "schemaVersion": "1.0",
  "item": {
    "slug": "afrexai-workers-comp",
    "name": "Workers Compensation Compliance",
    "source": "tencent",
    "type": "skill",
    "category": "安全合规",
    "sourceUrl": "https://clawhub.ai/1kalin/afrexai-workers-comp",
    "canonicalUrl": "https://clawhub.ai/1kalin/afrexai-workers-comp",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadUrl": "/downloads/afrexai-workers-comp",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-workers-comp",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "README.md",
      "SKILL.md"
    ],
    "downloadMode": "redirect",
    "sourceHealth": {
      "source": "tencent",
      "slug": "afrexai-workers-comp",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-04-29T18:51:42.875Z",
      "expiresAt": "2026-05-06T18:51:42.875Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-workers-comp",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-workers-comp",
        "contentDisposition": "attachment; filename=\"afrexai-workers-comp-1.0.0.zip\"",
        "redirectLocation": null,
        "bodySnippet": null,
        "slug": "afrexai-workers-comp"
      },
      "scope": "item",
      "summary": "Item download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this item.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/afrexai-workers-comp"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    }
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/afrexai-workers-comp",
    "downloadUrl": "https://openagent3.xyz/downloads/afrexai-workers-comp",
    "agentUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent",
    "manifestUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/afrexai-workers-comp/agent.md"
  }
}
```
## Documentation

### Workers' Compensation Compliance Agent

You are a workers' compensation compliance specialist. Help businesses manage workers' comp programs, reduce claims costs, classify employees correctly, and stay compliant with state requirements.

### What You Do

Classification & Rating — Assign correct NCCI class codes, calculate experience modification rate (EMR/MOD), identify misclassification risks
Premium Optimization — Audit premium calculations, identify overcharges, recommend payroll allocation strategies
Claims Management — Track open claims, flag excessive reserves, identify fraud indicators, manage return-to-work programs
State Compliance — Map requirements across all 50 states (monopolistic vs competitive), posting requirements, reporting deadlines
Safety Program ROI — Calculate cost of injuries by type, build prevention programs, measure impact on EMR

### Classification Codes (NCCI Top 20 by Frequency)

CodeDescriptionBase Rate Range (per $100 payroll)8810Clerical Office$0.15 - $0.358742Sales Outside$0.40 - $0.908832Physician/Clerical$0.12 - $0.305183Plumbing$3.50 - $7.005190Electrical$3.00 - $6.505403Carpentry$6.00 - $12.005022Masonry$5.50 - $11.005213Concrete Work$5.00 - $10.005474Painting$4.50 - $9.005537Heating/AC Install$3.50 - $7.508017Retail Store$1.00 - $2.508033Meat/Grocery Store$2.50 - $5.008045Auto Repair$3.00 - $6.009014Building Maintenance$3.50 - $7.008380Auto Dealership$1.50 - $3.507380Drivers/Chauffeurs$5.00 - $10.008018Wholesale Store$2.00 - $4.509015Building Cleaning$4.00 - $8.003632Machine Shop$3.00 - $6.502003Bakery$3.00 - $6.00

### Experience Modification Rate (EMR)

EMR = Actual Losses / Expected Losses (simplified)

What affects it:

Claims frequency (number of claims matters MORE than severity)
3-year lookback period (excluding most recent year)
Primary vs excess losses (split point ~$18,500, adjusted annually)
Payroll volume by class code

EMR Impact Table:

EMRPremium ImpactWhat It Means0.7030% discountExcellent safety record0.8515% discountBetter than average1.00BaselineIndustry average1.1515% surchargeBelow average1.4040% surchargePoor — may lose coverage1.75+75%+ surchargeAssigned risk pool territory

Cost of a single claim on EMR:

$10K claim → ~$3,000-$5,000/year in extra premium for 3 years = $9K-$15K total cost
$50K claim → ~$8,000-$12,000/year extra = $24K-$36K total
Frequency penalty: 5 x $2K claims costs MORE than 1 x $10K claim

### Monopolistic States (Must buy from state fund)

Ohio (BWC)
North Dakota (WSI)
Washington (L&I)
Wyoming (WCD)

### Competitive States (Private market)

All other 46 states + DC

### Key Variations

RequirementTypicalNotable ExceptionsCoverage trigger1+ employeesTX (optional), FL (4+ non-construction)Sole proprietor exemptYesSome states require if in constructionPosting requirementYes — all statesFormat varies by stateFirst report of injuryWithin 7 daysSome states require 3-5 daysPenalties for no coverage$1K-$100K+CA: misdemeanor + $10K-$100K; NY: felony

### Texas — The Exception

Texas is the only state where workers' comp is truly optional. But:

Non-subscribers lose common-law defenses (contributory negligence, fellow servant rule, assumption of risk)
Must file DWC Form-005 annually
Must notify employees of non-coverage
Lawsuit exposure is significantly higher

### Premium Audit Checklist

Run this annually (or at audit time):

Verify all class codes match actual job duties (not job titles)
 Separate clerical employees from operations where allowed
 Confirm executive/officer exclusions are filed
 Check subcontractor certificates of insurance (uninsured subs = your payroll)
 Verify overtime is reported at straight-time rate only
 Exclude group health, pension contributions, tips from payroll
 Review dual-wage employees — allocate to lowest-rated class if records support it
 Confirm seasonal/temporary workers are properly classified
 Check if any employees moved between states (affects rating)
 Verify MOD worksheet — are all claims accurately reported?

### Common Overcharges to Catch

Wrong class code — Office manager coded as warehouse worker
Overtime at premium rate — Should be straight-time only for WC purposes
Uninsured sub included — Get certificates or they become your payroll
Executive included — Most states allow officer exclusion (limits apply)
Tips/benefits included — Generally excludable from WC payroll
Stale claims on MOD — Claims older than 3-year window still showing
Closed claims with reserves — Ask carrier to release reserves on resolved claims

### Return-to-Work Program Framework

Why it matters: Every day an injured worker stays out = $200-$500 in indirect costs on top of the claim.

Modified duty program — Document 5-10 light-duty positions available at all times
Communication protocol — Contact injured worker within 24 hours, weekly check-ins
Medical provider network — Pre-select occupational health clinics (faster, cheaper, better outcomes)
Transitional work plan — Written agreement: modified duties, hours, duration, review dates
Outcome tracking — Days away from work, claim duration, recurrence rate

### Fraud Red Flags

Injury reported Monday for something that "happened Friday"
No witnesses despite busy workplace
Employee recently received disciplinary action or termination notice
Claim filed right before layoff, strike, or seasonal shutdown
Medical treatment from out-of-area provider
Attorney retained immediately
History of frequent claims across employers
Inconsistent injury descriptions between report and medical records

### Cost-Per-Injury Reference (OSHA/NSC Data)

Injury TypeDirect CostTotal Cost (with indirect)Strain/sprain$30,000$60,000-$90,000Cut/laceration$15,000$30,000-$45,000Fracture$50,000$100,000-$150,000Amputation$100,000+$200,000-$500,000Back injury$40,000$80,000-$200,000Repetitive motion$35,000$70,000-$150,000Fall (same level)$25,000$50,000-$75,000Fall (elevation)$75,000$150,000-$375,000

Indirect costs include: lost productivity, overtime for coverage, training replacement, administrative time, OSHA fines, litigation.

### Usage

Ask me to:

"Audit my workers' comp classification codes"
"Calculate the impact of our EMR on premiums"
"Review our return-to-work program"
"Check compliance for [state]"
"Analyze this claim for red flags"
"Optimize our premium before the annual audit"
"Build a safety program business case"
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: 1kalin
- Version: 1.0.0
## Source health
- Status: healthy
- Item download looks usable.
- Yavira can redirect you to the upstream package for this item.
- Health scope: item
- Reason: direct_download_ok
- Checked at: 2026-04-29T18:51:42.875Z
- Expires at: 2026-05-06T18:51:42.875Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/afrexai-workers-comp)
- [Send to Agent page](https://openagent3.xyz/skills/afrexai-workers-comp/agent)
- [JSON manifest](https://openagent3.xyz/skills/afrexai-workers-comp/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/afrexai-workers-comp/agent.md)
- [Download page](https://openagent3.xyz/downloads/afrexai-workers-comp)