ClassCheck's answer

ClassCheck works on the policyholder's side of a workers' comp premium audit that has already landed on your desk.

It checks the one thing that actually sets the premium — the NCCI class code assigned to each employee's payroll. You describe what each person really does and enter the code currently charged; ClassCheck compares that against known classification patterns, flags codes that conflict, gives a confidence level for each flag, and estimates what the error is costing you.

Two things are unusual about it: it is free with no signup and no sales call, and it is deliberately conservative — a code is only flagged when the duties genuinely conflict with a known classification pattern, because a false alarm sends a business owner into a dispute they cannot win.

ClassCheck's answer

The established way to get this checked is a premium recovery consultant. They do good work, but they take 30–50% of what they recover on contingency and generally will not open a file under roughly $100k in annual premium — which leaves several hundred thousand small employers with nobody looking at their codes.

ClassCheck covers that gap:

• Free first pass, no signup, about two minutes from your declarations page or audit worksheet.
• $249 flat for the Full Audit Review — a line-by-line check of every class code plus a ready-to-send dispute packet within 3 business days, checked by a person before delivery.
• No percentage of your recovery, no retainer, and a full refund if the review finds nothing worth disputing.

And unlike workers' comp platforms that bundle payroll or sell the policy itself, ClassCheck is not selling you insurance — it only audits the classification you have already been charged for.

ClassCheck's answer

US small business owners who have just received a workers' comp premium audit and think the number looks wrong.

In practice that means payroll-heavy, mixed-duty businesses in NCCI states — contractors and trades, restaurants, auto shops, landscapers, small manufacturers — usually 3–50 employees, where a single misclassified office manager or working owner is worth thousands of dollars a year.

The second audience is the people who read these audits on a client's behalf: bookkeepers, accountants and independent agents who want a fast sanity check before escalating to the carrier.

ClassCheck's answer

It came out of NCCI's own classification inspection data: for the two most commonly misclassified codes, more than 60% of inspected files ended up with a different governing classification.

That matters because the code is the price. Rates differ by 100x or more between class codes — clerical work runs about $0.05–$0.35 per $100 of payroll, roofing $15–$45. A clerk left in a roofing code costs that employer thousands a year, and the overcharge is typically recoverable around 3 years back.

Carriers already run software across these files. Policyholders had nothing, and the consultants who fix this ignore small accounts. ClassCheck was built in July 2026 to give the small end of the market a way to check its own codes before accepting the bill.

ClassCheck's answer

• Next.js 16 (App Router) with React 19 and TypeScript
• Tailwind CSS for the interface
• Anthropic's Claude API for the classification analysis — prompted against a curated NCCI class-code dataset and documented misclassification patterns, returning structured output with a confidence level per flag
• Vercel for hosting and analytics
• Resend for transactional email and Stripe for the paid review