Business Observability · Workers' Compensation

Illustrative sample data — not a live customer book

Open Exposure Briefing

The reserve you carry on open claims right now — assembled live by an AI asking Outcome Owl in plain language, with every figure cited and its limits disclosed.

Live · read-only connection data as of 2026-07-23 data confidence: normal 27 typed tools

One plain-language question — “what is my open workers'-comp exposure, and what should I worry about?” — resolved to a cited answer in seconds: $871.6M of open reserve across 9,098 active claims. Every number below carries its population, its clock, and its method — so a person, or an agent acting on their behalf, can trust it enough to act.

The headline

Open reserve on active claims

$871.6M

exact: $871,611,606.91 · sum of Reserve Amount · function=sum · status=Active

9,098 claims carry a reserve46.4% of 19,609 active

What most tools hide

Only 46% of active claims have set a reserve yet — the other 10,511 are pre-reserve (reported, not yet estimated). So $871.6M is a floor, not the ultimate. Outcome Owl volunteers the coverage rather than quietly summing over an incomplete population.

19,609

Active workers'-comp claims

scoped to the claim intake step

9,098

Carry an open reserve

the summable population

~$95,800

Mean reserve per reserved claim

$871.6M ÷ 9,098 · range $5,000 – $572,945

Composition & risk

Where the reserve sits

Indemnity and medical are the two large components of the open reserve.

$245.6M

Indemnity · 8,151 claims

$173.6M

Medical · 9,005 claims

Disclosed, not glossed: the components don't reconcile to the $871.6M total — each is measured over a different subset. The total sums each claim's reserve at its current open amount; on this book reserves are only ever raised, so a claim's current reserve and its highest recorded reserve are the same figure. On a book where reserves get taken down the two diverge — current open exposure vs. the peak reserve ever set — and the platform reports either basis, naming which. It tells you its method rather than implying false precision.

What's actually at risk

3,939active rule violations across the claims book

Deviations and thresholds currently open — the real risk signal, each drillable to the claim it sits on.

✓ 0 overdue No active claim is past its expected completion.

Honest, not alarmist: workers'-comp claims run a ~2-year expected duration, so “overdue” is genuinely zero today — the surface reports it plainly instead of manufacturing urgency. Risk lives in the violations, not the clock.

Your single largest exposure

Claim #WC-29525

$572,945.34

“Workers' compensation lost-time claim.”

On Track Within Budget 0 violations severity 3 ~526 days headroom

Exposure concentration ≠ risk concentration. Your biggest reserve is progressing cleanly — nine linked steps FNOL → Settlement, no deviations, well inside its window. The dollars to watch and the claims to watch are different lists, and the surface lets you see both.

FNOL Injury Reported

Dec 31

Claim Assigned

Dec 31

Compensability Decision

Feb 15

Reserve Set

Feb 16

Medical Tx Authorized

Feb 17

First Indemnity Pmt

Feb 23

Return-to-Work Eval

Mar 19

MMI Reached

Jun 17

Settlement / Award

Jul 17

completeness: indeterminate intake: CSV upload out-of-order risk: none

Settlement/Award is reached but not provably concluded — the claim is still Active, so the timeline reads indeterminate, never a false “done.” Honesty holds all the way down to the single claim.

How it was assembled — the live tool trace

ask “which of my attributes are open exposure?”

→ attribute_catalog(role='exposure') // discovers Reserve = Indemnity + Medical

ask “total it across open claims”

→ aggregate(Reserve Amount, sum, status=Active) // $871.6M · 9,098 of 135,977

→ aggregate(…, group_by=step) // all of it on the claim-intake step

→ aggregate(…, overdue_only=true) ↯ refused — the cost guard blocked a broad scan, named the fix

→ list_violations(count_only) // 3,939 active

→ list_processes(sort by Reserve Amount) // top exposure → Claim WC-29525

→ process + timeline(WC-29525) // 9 steps, 0 violations, indeterminate

Why an agent can act on this

cited

Every figure traces to a call

No number appears without the tool, filter, and population that produced it — a claim opens straight to its timeline.

bounded

Cost-governed at scale

An over-broad query is refused with the exact filter to add — it never silently runs to a timeout or returns a partial total dressed as complete.

coverage

Complete vs. partial, stated

The count of claims that carry a value rides beside the population — a total that covers 46% of claims says so, no silent undercount.

method

Its own limits, disclosed

The reserve basis (current open amount — equal to the highest recorded on this only-ever-rising book), the component non-reconciliation — surfaced, not buried under false precision.

clocks

Which clock, which freshness

Every response carries its as-of, its basis, and a confidence rung — claim selection is near-real-time; reserve values are as of the daily refresh.

facts

Facts, never judgments

It reports the exposure and the violation count; it never calls a claim “concerning” or tells anyone to act. That judgment — and the action — stay with you.

See this on your own book

Every figure above came from a read-only connection and a plain-language question — no integration project, no data leaving your control. The same works on your claims, your reserves, your lines of business.

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