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Flora is where a small contractor’s compliance paperwork lives, so the annual workers’ compensation audit has no surprises. Here is what each product does and what each customer role sees.
Where your compliance paperwork lives. No surprise audit bill.
The “WC” is workers’ compensation. That is the audit that catches small contractors out, and it is the one Flora was built around first: payroll records, job class codes, subcontractor certificates, the premium audit worksheet. The name says what Flora is best at.
Workers’ compensation is the starting point, not the boundary. Flora also collects and organizes the documents behind the other coverages a business carries:
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 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.
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, the readiness score with its reasons, and verification status. 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.
Sees book readiness for their own tenant with reasons, filters by class, state and score, growth signals, and a CSV export.
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.