NAICS injury-rate outliers, state concentration, year-over-year anomalies.
wc-engine ingests BLS Survey of Occupational Injuries reference rates and runs three deterministic checks per engagement. Same kernel that ships every other JIL vertical: customer-profile gated on lob = 'workers_compensation_carrier', sealed CREB on every finding, FRE 902(14) self-authentication.
What wc-engine fires on.
wc_naics_outlier
NAICS-by-year cohort whose incidence_rate exceeds 2.0x the national mean for that year. Material indicator of carrier-level loss-ratio exposure and OSHA inspection priority. Regulatory basis: BLS SOII methodology, OSHA 29 CFR 1904, NCCI Class Code framework.
wc_state_concentration
NAICS cohort where a single state accounts for 60%+ of days-away-from-work cases nationwide in a given year. Signals geographic-cluster underwriting risk or fraud-ring concentration. Regulatory basis: NCCI Experience Rating Plan, state WC statutes.
wc_yoy_anomaly
NAICS-state cohorts with year-over-year incidence_rate change exceeding +/-50%. Bidirectional: large drops trigger underreporting investigations; large spikes trigger experience-modification review. Regulatory basis: BLS SOII, OSHA 29 CFR 1904.
What the WC carrier takes to NCCI or the state DOI.
Deterministic, replayable, court-defensible.
Same kernel as the other 7 verticals. NAICS-outlier is a SQL aggregate against the per-year national mean; state-concentration is a per-NAICS DAFW share computation; YoY-anomaly self-joins prior-year rates. No stochastic LLM in the verdict path. Ava (the in-house agentic AI) groups, narrates, and routes findings; it never produces the underlying flag.