Abstract: Systems, apparatus, methods and articles of manufacture provide for assessing a likelihood of recidivism for persons (e.g., patients, injured workers). In some embodiments, information such as claim information, employment information, personal information, and/or medical information, may be used in determining a recidivism score or other indication or measure of a likelihood of recidivism.

Abstract: Systems, apparatus, interfaces, methods, and articles of manufacture that provide for business classification, such as, for example, determining the nature of a business's operations to allow an accurate assessment of the corresponding risks and potential liabilities.

Abstract: In accordance with one or more embodiments, a method of operating an insurance claim management system provides for receiving, in a claim reporting system, information related to a report of a injury claim, the information being provided by an insurance medical liaison located at a location at which the injured worker's injury has been evaluated. The information may also be indicative of an evaluation, by the insurance medical liaison, of at least one of a work-related injury and an injured worker. The method further provides for establishing a record in the claim reporting system for the claim based at least in part on the information received from the insurance medical liaison.

Abstract: Systems, apparatus, methods and articles of manufacture provide for an integrated operations management system for revenue management and/or billing and accounts receivable (e.g., in an insurance or other financial context). In some embodiments, an operations management system provides for determining a complexity rating for an account (e.g., a loss sensitive insurance account). In some embodiments, the complexity rating may be based on respective answers (e.g., provided by an end user) to one or more survey questions. In some embodiments, the complexity rating may be used for determining a billing priority rating for an account.

Abstract: The invention relates to methods and systems for creating and utilizing a modular multi-coverage insurance product. The modular multi-coverage insurance product includes a set of modular state-pre-approved insurance coverages corresponding to a plurality of insurable liabilities.

Abstract: Vehicle insurance customers select parameters for monitoring using one or more telematics devices. The parameters may comprise an operating characteristic associated with at least one vehicle associated with a personal insurance product. Selection and measurement of parameters may result in lower insurance premiums. In one embodiment, an apparatus causes, based on a user selection of at least one of a plurality of menu-selectable options, a remotely programmable memory of at least one monitoring device to store an indication of the monitoring parameters represented by the user selection.

Abstract: Business insurance customers select parameters for monitoring in vehicle fleets using one or more telematics devices. The parameters may comprise an operating characteristic associated with fleet vehicles associated with a business insurance product. Selection and measurement of parameters may result in lower insurance premiums. In one embodiment, an apparatus causes, based on a user selection of at least one of a plurality of menu-selectable options, a remotely programmable memory of at least one monitoring device to store an indication of the monitoring parameters represented by the user selection.

Abstract: A “busyness” metric is determined for various different objects, such as businesses, roads, vehicles, buildings, locations, transportation systems, communication systems, devices, equipment, and/or systems, using various sensing and/or other technologies. The busyness metric may be used for a broad range of applications, such as assessing and controlling insurance risk, determining insurance premiums, prioritizing tasks, travel, navigation, advertising, and other purposes.

Abstract: The invention relates to methods and systems for creating and utilizing a modular multi-coverage insurance product. The modular multi-coverage insurance product includes a set of modular state-pre-approved insurance coverages corresponding to a plurality of insurable liabilities.

Abstract: The invention relates to systems and methods for determining and evaluation insurance policy premiums based on risks associated with class action lawsuits and non-class action lawsuit related risks.