A credential for upstream professionals
The technical
credential for
the people who
actually run
workers' comp.
WCTP is built for TPAs, underwriters, claims adjusters, and premium
auditors. 9.5 hours of pure mechanics — experience mods,
premium audits, and injury management. No retail sales fluff.
9.5 hrs
On-demand video
29
Tactical modules
1,450+
Mods torn apart
75%
Of audits are incorrect
The Matrix is Siloed
Most professionals only see their slice of the system.
Right now, the workers’ comp system is a game of silos. You live in the weeds of this system every single day as an underwriter, a premium auditor, or a claims adjuster. You know your job, and you know it well.
But inside many insurance companies, there are silos between functions. Underwriters deal with underwriting. Adjusters deal with injuries. Auditors deal with audits. This lack of comprehensive understanding across the entire stack causes massive system failures.
Think about a claims adjuster managing a severe injury. They set a reserve and they’re waiting for a doctor to call them back. They’re doing their job perfectly. But they have no idea what a valuation date is, or that 18 months after policy inception that data gets locked in and sent to the rating bureau. Because the adjuster missed that deadline, a massive, outdated reserve gets locked onto the experience mod. Then the underwriter gets a blown-up mod and completely misprices the risk.
The silo just caused a massive failure. We built WCTP to break it down.
Fast Facts
For upstream professionals
What it is: A purely technical workers’ comp credential focused on mechanics — experience mods and premium audits.
Who it’s for: TPAs, underwriters, self-insurance funds, claims adjusters, and premium auditors.
Price: $795 per individual seat.
Ongoing tools: $29/mo subscription with AI chatbot trained on state laws, quarterly webinars, and continuous course access.
For a limited time, your first year of access to the tools is included in your registration!
Guarantees: Unlimited test retakes with targeted feedback. One-time seat transfer if employee leaves within 6 months. 30-day money-back guarantee.
What you walk away with
Three skills that change how you read the file on your desk.
Pillar 01
Mastery of the Mod
Calculate the impact of a single injury on an experience mod by hand. We don’t teach this so you can replace your software — we teach it to give you X-ray vision. Covers NCCI split rating plus rules in CA, NY, PA, and DE.
Pillar 02
Audit Authority
Dig deep into the language of the manuals. Learn the exact mechanics of excluded remuneration, uninsured subcontractors, and how to properly classify a business — line by line.
Pillar 03
Injury Management Protocols
Understand how clinical decisions translate into reserve impact and mod exposure. Close the loop between the claim floor and the rating bureau — so nothing falls through the cracks.
Inside the portal
Real curriculum. Real math. Real audit teardowns.
29 tactical videos broken into five pillars. Each module is short enough to train on during a lunch break and immediately apply to the file on your desk that afternoon.
Nearly 25 years of decoding the matrix
Our authority doesn't come from theory. It comes from the worksheets.
For nearly 25 years, the Institute has trained elite professionals to tear apart premium audits and experience mods. We’ve found consistently that 75% or more of premium audits are incorrect.
Now we’re handing you the blueprints to see the whole board.
1,450+
Experience mod worksheets dissected by Kevin Ring personally.
60+ years
In the industry — Preston Diamond, Insurance Business America Hall of Fame inductee.
The Invitation
You can't navigate this system well while stuck in a silo.
You get the complete curriculum for $795. We’re not going to read slides to you. We’re going to put you into the actual rules and math that run this industry.
Grab a seat if you want to upgrade your skills
$795 per individual seat.