Precuro
Precuro provides a cognitive risk intelligence platform for workers' compensation and disability insurers, measuring how claimants process pressure, setbacks, and uncertainty through a brief non-clinical assessment at first notice of loss. The platform produces a forward-looking risk profile predicting claim duration, escalation, and STD-to-LTD conversion without collecting medical or protected-class data. Validated across 1,400+ participants with AUC of 0.74–0.82, it outperforms demographic and occupational variables as a predictor of claim complexity.
- Insurance Technology
- Data & Analytics
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Traditional workers' compensation and disability claims management relies on backward-looking data such as injury severity, diagnostic codes, and loss history, which cannot distinguish why two claimants with identical medical conditions follow dramatically different recovery paths. Psychosocial and behavioral factors—among the strongest predictors of prolonged disability, claim escalation, and long-term cost—remain unmeasured in existing risk models, leaving claims teams without a forward-looking signal at the critical point of intake.
Solution
Precuro provides a cognitive risk intelligence platform that measures how claimants process pressure, setbacks, uncertainty, and loss of control through a brief, non-clinical assessment deployed at first notice of loss. The assessment maps stable cognitive response patterns to produce a cognitive risk profile—a simple, interpretable signal predicting claim duration, escalation risk, and STD-to-LTD conversion without collecting any medical, diagnostic, or protected-class data. This enables carriers, TPAs, captives, and reinsurers to prioritize high-risk files on day one and allocate case management resources where they will change outcomes. At the portfolio level, aggregated CRI data creates a cognitive risk profile of the book, improving reserve accuracy, pricing assumptions, and reinsurance treaty decisions.
Target Audience
Primary customers are workers' compensation and disability insurers, third-party administrators, captive managers, and reinsurers seeking a prospective risk signal for claims triage, case management allocation, underwriting, and portfolio-level risk assessment.
Features
- Brief, non-clinical psychometric assessment deployable at first notice of loss, designed to operate outside HIPAA, GINA, and ADA regulatory frameworks
- Measures stable cognitive response patterns including handling of pressure, effort-versus-recovery prioritization, and response to uncertainty and feedback
- Validated against established clinical instruments including Copenhagen Burnout Inventory, Kessler K-6, PHQ-4, and WHO-5 across 1,400+ European and U.S. participants
- Achieves AUC of 0.74–0.82 for classifying elevated risk of burnout, anxiety, psychological distress, depression, and poor mental well-being, outperforming age, sex, income, job level, tenure, and pre-existing health conditions as a predictor
- Produces interpretable cognitive risk profiles that route claimants to matched interventions based on their response patterns
- Aggregates individual assessments into portfolio-level cognitive risk profiles for actuarial analysis, reserve projections, and treaty pricing