Free Tool

What a claim really costs you.

The check the carrier writes is only the direct cost. Indirect costs, lost productivity, overtime, retraining, investigation, often dwarf it. See the true number.

Your numbers

Enter the direct cost (medical + indemnity), or pick a typical claim.

$
3%

The true cost

Total cost of this claim
$52,000
Direct cost$20,000
Indirect cost (×1.6)$32,000
Sales needed to cover it$1,733,333
Indirect-cost ratios follow OSHA's $afety Pays model, which scales the ratio down as the direct cost rises (small claims carry the highest hidden multiplier). "Sales to cover" = total cost ÷ profit margin, the revenue you'd need just to break even.
Stop overpaying on claims →
Why It's So High

The costs no one puts on the claim file.

Lost productivity

The injured worker's output, plus the ramp-up time of whoever covers, or the overtime you pay to backfill the shift.

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Hiring & retraining

Recruiting, onboarding, and training a replacement, and the productivity dip while they get up to speed.

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Admin & disruption

Investigation time, paperwork, supervisor hours, schedule disruption, and the hit to morale and your experience mod.

Every claim you prevent, contest, or close faster saves the full stack, not just the check. That's the math CompShield works in your favor.

See it on your real claims.

A free claim review shows where your true costs are highest, and how much a disciplined claims-defense partner puts back on your bottom line.