Help
Flora is a document and data home for almost all insurance lines — built first for workers’ compensation and still strong there for contractors and the premium audit. Checklist, uploads, readiness with reasons, share with your agent, and agency book tools. Here is what each product does and what each customer role sees.
Where your insurance paperwork lives. No surprise audit bill.
Loss runs step by step
You need loss runs when you change coverage, buy new coverage, or prove claims history for bids, contracts, and certificates. Flora is a document/data vendor -- not the insurer, not appointed as the agency.
Flora is a data vendor, not an insurer, agent, or underwriter. Flora reports evidence-backed observations; the carrier makes every coverage decision. Flora does not price, issue, place, or end insurance coverage and does not recommend coverage decisions. Nothing on this site is an offer of insurance, an insurance application, or a coverage recommendation.
Loss runs for clients and agents — 95+ carriers and growing. Flora acts as an authorized requester under written authorization — not an insurer, not an appointed agent.
The “WC” is workers’ compensation. Flora was built around that first — especially contractors and the premium audit: payroll records, job class codes, subcontractor certificates, the premium audit worksheet. The name says what Flora is best at; the product is a document home for almost all insurance lines, expanding into personal lines.
Workers’ compensation is the starting point, not the boundary. Flora collects and organizes documents across almost all commercial lines, and is expanding into personal lines:
For those lines Flora does the same job it does for workers’ compensation: take in the documents, read what is on them, and show you what you have and what is still missing. It is a data interface for your insurance paperwork — an organized place where the documents and the dates live — and nothing more than that. Flora does not write policies, place coverage, or act as an appointed agent.
Flora confirms that the business on the application is real and reachable: a short call or text to the insured about their own policy, checked against what the application says. The result is a report with any discrepancies listed. The carrier decides what it means.
A checklist generated for the insured’s trade of exactly what the audit will ask for: payroll records, tax filings, subcontractor certificates, and so on. The insured uploads from a phone; Flora checks each file for readability, the period it covers, and consistency, and turns the result into a readiness score with every deduction listed as a reason.
You need loss runs when you change coverage, buy new coverage, or prove claims history for bids, contracts, and certificates. With written authorization, Flora retrieves or requests the official PDF and stores it in your file — for the client, and for the agent acting for that client. Agencies that grant Flora portal access under a written agreement get 50% off their Flora agency plan fee (Basic, Core, or Elite). Flora is a document/data vendor — not the insurer, not appointed as the agency.
When the evidence suggests there is more premium in a policy than the application declared, Flora raises a growth signal with the evidence and a labeled estimate. It is an opportunity to endorse, collect, and get the policy right, never a policing message. Every estimate is marked “Estimate”.
Premium additions are a growth signal: there is probably more premium here, worth a call to endorse, collect, and get the policy right. Never a policing message.
Sees one policy: the checklist, uploads, loss-run requests, the readiness score with its reasons, and verification status. Authorize Flora and we retrieve loss runs on your behalf. The insured is the data source; Flora never scrapes.
Sees the policies in their book: who is stalling, what is missing, and where premium additions are likely. Grant Flora portal access under a written agreement and Flora takes loss-run chasing off your service team, with 50% off the Flora agency plan fee when that agreement is on file.
Sees book readiness for their own tenant with reasons, filters by class, state and score, growth signals, and a CSV export. A proper access path for Flora (when you choose to grant one) lets Flora pull loss runs for insureds as a customer-service helper on that chore — not a claim that Flora already works with you.
A readiness score is 100 minus deductions for things we can observe, each listed as a reason. It is not a verdict and it is not a measure of honesty.
Calls and texts are about the insured’s own policy. Anyone who replies STOP is never texted again; with no recorded consent Flora places live human calls only.
Confirms the business exists, the contact is real and reachable, and details match the application. Identity and consistency, not headcount.
Flora is an AI-native data vendor, which means a model does some of the reading. Here is exactly how much.
Every element a model wrote carries an “AI draft” marker and, underneath it, the file and page it read and the words it relied on. If there is no marker, no model was involved.
Your account page has one switch. Off means only the rule-based checks run and nothing about your file is sent to a model; your checklist, your uploads and your readiness score all work exactly as before. The Flora team can also set it for a company that asks.
Flora is a data vendor, not an insurer, agent, or underwriter. Flora reports evidence-backed observations; the carrier makes every coverage decision. Flora does not price, issue, place, or end insurance coverage and does not recommend coverage decisions. Nothing on this site is an offer of insurance, an insurance application, or a coverage recommendation.
Disclosure. Flora flags premium additions and may earn a finance spread if the insured chooses to finance the endorsement. Alert fees are priced on premium actually added, not on alerts sent. Financing is offered separately and only where Flora is licensed or confirmed exempt.
New here? Create an account, or read more on the Flora website.
The documents behind this page, the API, the plans, and a person to write to.