Control Claims.

Reward Safety.  

Self‑Funded Workers’ Compensation Reinforced by Guardian™ Technology 

Escalating premiums and opaque claim files undermine even the most safety‑conscious companies.


Triforta’s self‑funded structure, shielded by stop‑loss limits and directed by Guardian™, our real‑time claims‑governance platform, returns cost certainty to employers who do the right thing.

Results Our Clients Experience

%

 reduction in aggregate claim spend within 12 months.

%

decrease in average

lost‑time days 

Up to

%

lower medical costs for benchmarked top performers

Three Reasons

Conventional Coverage

Fails Responsible Employers

Budget Volatility

Composite premiums climb 10–20 percent annually, uncoupled from your actual loss experience.

Minimal Visibility

Carriers withhold granular data; reserve surges emerge only on quarterly loss runs.

Safety Efforts Unrecognized

Companies that invest in training and PPE subsidize those that do not, with little financial credit for excellence. 

Meet Guardian™

Real‑Time Governance for Every Incident

Guardian™ is Triforta’s cloud‑based command centre.

It fuses actuarial insight, AI monitoring, nurse triage, tele‑occ medicine, and live dashboards placing you, not the carrier, in charge of every claim milestone. 

Our Four‑Phase Methodology

  • 1 – Insight

    Guardian™ integrates five years of loss data to reveal hidden drivers and cost‑outlier trends. 

  • 2 – Architecture 

    We establish a self‑funded group captive with tailored stop‑loss thresholds that lock down catastrophic exposure.

  • 3 – Activation 

    24/7 nurse triage and tele‑occ physicians route incidents to the appropriate level of care, avoiding unnecessary ER use.

  • 4 – Advancement

    Real‑time dashboards benchmark each case against ODG/MTUS recovery timelines and trigger early course‑corrections.

Conventional Carrier Model 

  • Aggregate premiums with little correlation to your individual loss history
  • Loss‑run reports delivered 90–120 days after the fact
  • Restricted provider networks and marked‑up fees
  • Generic, one‑size‑fits‑all loss‑control handouts
  • Premiums rise even when your safety record improves

Triforta + Guardian™ 

  • Pay only for validated claim costs, and retain any surplus inside your captive
  • Live analytics and AI alerts within hours of a claim deviating from plan
  • Open‑access providers plus direct‑contract discounts
  • Predict‑and‑prevent insights tailored to each work site, driven by real‑time data
  • Dividends and lower collateral requirements as safety performance improves

Organizations Best Suited for This Model

High‑Risk Industries such as construction, manufacturing, mining, logistics—where injuries can quickly erode margins. 

Self‑Funded Health Plans, organizations already controlling medical spending that want identical leverage in comp.

Finance & Risk Leaders, teams demanding real‑time claim visibility and the ability to reinvest surplus dollars. 

Ready to Transform Your Workers’ Comp?

Swap outdated carrier rules for a self-funded program powered by Guardian™, our real-time claims platform that delivers transparency, tighter cost control, and quicker recoveries.