WC data undeniably streamlines business development, which explains why there are multiple options out there. But do all these products offer the same value? We've highlighted some of our unique features and included what we've discovered about our competitors, along with what others have shared, so you can evaluate them yourself.
What's important to us is actual WC policy data, not a suite brochure that lists "sales cloud" as a line item.
Actual WC policy data. We have 4.9 million active policies across 44 states. In many states, that is all businesses with an active WC policy.
That's the coverage they publish. Twenty states is a territory, not a national file.
Source: Zywave MiEdge FAQPolicy data gets you in the door. These are what you use once you're in the conversation.
Carrier filings as they land: rate and form changes, new programs, market exits. Scored so you know which ones hit your book.
Loss run PDFs turned into CSV or JSON. Claim-level detail you can actually analyze, not retype.
Schedule follow-ups on the account, or hand a list to our callers and take the appointments on your calendar.
Peer benchmarks for that prospect's class and size. Premium, rate, and competitiveness you can put in front of them.
Who is winning the class, who is walking away, and where rates are going. A reason to call that isn't "let me take a look."
Loss cost multipliers tracked by underwriting company and state. Search on them, and see when the carrier (not the risk) moved the rate.
Estimate premium across appointed carriers from the filed rates, on the company you're already looking at.
Prefilled loss-run release forms, emailed to the insured in one click. Ordered from the carrier, not the incumbent.
Buying patterns, rate and premium trends, BORs. They only become visible when you have a historical view. That's how you know whether the premium moved because the risk did, or because the carrier filed a rate.
MiEdge sits inside a broader Zywave package. You can buy Content and Service Cloud without Sales Cloud. That tells you how the product is sold. It does not tell you how far back the WC file goes.
Search, profile, flag, note, group, export. Light enough that a producer uses it. Deep enough that the underwriting conversation is already on the screen.
A well-staffed, strongly compensated sales organization. Producers, they are not. The product is sold as a cloud. The person who has to use it is still sitting in a truck between appointments.
Simple. We have a month-to-month option. It is limited, come and go as you please. We have an agency plan that is more expansive and requires a commitment. It scales by agent and state. There is also an all-states plan.
Annual. How much is it? A little murky. Package pricing. They'll still sell you the Content and Service Cloud without the Sales Cloud. Want to cancel? Their terms require 60 days' notice prior to the renewal.
Ten years in the business. A lot to some, a little to others. What differentiates is when it happened: 21 to 31. A few peers found themselves "selling" renewals off a parent's book. I started at zero. Business owners need to perceive expertise from their agent. You can't convey that at 21. So I found something intelligent to talk about that also hits the owner's bottom line, in a way they can understand.
Well-staffed. Strongly compensated. But producers, they are not. The people writing the pitch are not the people who have to sit across from the insured.
Owned by people who sell business insurance, with the development behind it. We started small, with a simple system, and grew it as producers asked for the next piece.
PE's primary objective is ROI. That shifts the focus from product-driven to income-driven. Growth through acquisition (listed on their About page, at least they own it) and packaging products without a seamless integration between the suite, and without much consideration of improvement.
Record counts, history, terms and what "AI" is actually doing in the product.
What the WC file actually contains: LCM, PEO provider, history and managed carrier names.
Start free. No suite, no 60-day notice, no package you didn't ask for.