Accident Prevention
Insurance SaaS

Zenprexi Bio-Risk™

Predictive Safety Intervention for Insurance Carriers

The platform triggers automatic safety interventions—from alerts through full equipment interlock—based on real-time fatigue detection. Reduce loss ratios by 15-20%.

Industry Loss Analysis

Current Workers' Comp Crisis

Construction Insurance Loss Ratios 85-110%
Profitable (<85%) Break-even Loss Territory
Current Industry: 85-110% (Unsustainable)
60-80%
Incidents from Cognitive Impairment
$170B
Annual Industry Losses
Zenprexi Bio-Risk™ Target
Reduced Loss Ratio: 65-75%
15-20% improvement through predictive monitoring
"

"We're transforming insurance from reactive claims processing to predictive risk prevention. Zenprexi Bio-Risk™ gives carriers the actuarial edge they need in today's challenging market."

Platform Demo

See Bio-Risk™ in Action

Watch how our Worker, Fleet, and Carrier dashboards work together to prevent incidents before they happen.

Worker Dashboard
Fleet Dashboard
Carrier Dashboard
PANT™ Intervention Demo

See The Moment
We Prevent The Accident

This is what competitors cannot do. When CARI™ (Cognitive Adherence Risk Index) scores indicate elevated risk, our PANT™ (Prioritized Actionable Next Task) system triggers graduated interventions—from supervisor alerts and mandatory breaks to equipment speed limits—based on your organization's risk tolerance.

Why This Matters to Carriers

Alerts alone don't work—workers ignore them
Monitoring only tells you risk exists
PANT™ ensures the accident never happens
PANT™ ACTIVE

Live Intervention Sequence

Operator W-0847
Excavator #12 • Site Alpha
34
CARI™ Score
Sleep Debt
-4.2 hrs
HRV Drop
-31%
Fatigue
HIGH
CARI™ Score LEVEL 2 ZONE (25-40)
0 (Lockout) 25 40 100 (Optimal)
⚠️ PANT™ Intervention Triggered
Safety Protocol Activated
Mandatory 15-min break • Supervisor notified • Speed limited to 5 mph
Level 1
Alert & Log
CARI 40-55
Level 2 ✓
Break + Limits
CARI 25-40
Level 3
Full Lockout
CARI <25
Risk Mitigated
Operator completed rest protocol, CARI restored to 72
$47,000
Claim Avoided
Privacy by Design

Privacy is the Architecture

How do we monitor worker fatigue without accessing health data? By design—raw biometrics never leave the device.

How It Works
1

Worker Wears Sensor

Standard wearable captures HR/HRV

CARI™ calculated on-device
Raw data never transmitted
Private Zone
2
CARI™ Score Only
3

Carrier Sees Risk

Anonymized scores power decisions

Worker ID: W-0847
CARI™ Score: 67
Carrier Zone

What Carriers See

  • Anonymous Worker ID (W-0847)
  • CARI™ Score (0-100)
  • Risk Level (Low/Moderate/High)
  • Trend Direction
  • Portfolio Aggregates

What Carriers Never See

  • Worker Names or PII
  • Heart Rate Values
  • HRV Measurements
  • Medical Inferences
  • ML Training Data (federated)

Edge Processing

Raw biometrics processed on-device. Only CARI™ scores transmitted. Data deleted immediately after calculation.

Federated Learning

ML models improve across all devices without centralizing data. Only encrypted gradients shared — never raw biometrics.

De-identification

Workers identified by random ID only. No names, SSN, or PII collected. Employer holds identity mapping separately.

Governance

Contractual limits on data usage. No employment decisions. Worker opt-out rights. Annual security audits.

Designed to Align With

GDPR CCPA BIPA HIPAA

SOC 2 Type II certification planned for 2026

Actuarial Validation

Targeted Loss Ratio Improvement

Quantifiable ROI through predictive risk assessment and dynamic premium optimization.

Click any metric to see the methodology

15-20%
Loss Ratio Reduction
Target based on intervention model
85-93%
Target Accuracy Range
Based on published HRV research
7-30
Days Advance Notice
Incident prediction window
300-1300%
ROI Range
Based on carrier size
Technical Architecture

Platform Implementation Strategy

Scalable deployment from pilot programs to enterprise-wide implementation

TIER 1: PILOT VALIDATION

90-Day Carrier Pilots

Structured pilot programs with 1,000+ workers to establish statistical significance and actuarial validation for regulatory approval.

Statistical credibility (p<0.05)
Actuarial model validation
Regulatory filing support
TIER 2: COMMERCIAL SCALE

Enterprise Deployment

Full carrier integration with 10,000-50,000 workers, ML-powered predictive analytics, and multi-state regulatory compliance.

ML models for 7-30 day incident prediction
Dynamic pricing API (Guidewire, Duck Creek)
Multi-carrier federation
TIER 3: INDUSTRY STANDARD

Market Leadership

Industry-wide adoption with regulatory integration, international expansion, and potential acquisition by major insurance data providers.

NCCI integration partnership
International market entry
Strategic acquisition exit
Leadership Team

Proven Leadership & Technology Expertise

Combining deep insurance market expertise with world-class technology innovation

Michael Peck

Michael Peck

Founder & CEO

Former sales leadership executive with extensive experience in enterprise risk management and complex B2B sales cycles. Left the security of a high-salary corporate position to pursue Zenprexi full-time, demonstrating unwavering commitment to the vision.

Key Expertise

  • • Enterprise sales leadership
  • • Complex sales cycle management
  • • Strategic customer relationship development
  • • Technical systems architecture
  • • Go-to-market strategy execution

Strategic Accomplishments

  • • Pivoted business model from contractor-direct to carrier-focused approach
  • • Developed Zenprexi Bio-Risk™ demonstration system and pilot framework
  • • Secured senior strategic advisory from Dr. Mark Dean
  • • Filed provisional patent for biometric risk assessment technology
Senior Strategic Advisor
Dr. Mark Dean

Dr. Mark Dean

Co-Inventor, IBM PC

National Inventors Hall of Fame

IBM Fellow and legendary computer architect who co-invented the IBM Personal Computer and developed the ISA bus architecture that became the industry standard enabling the modern PC ecosystem.

Recognition

  • • National Inventors Hall of Fame Inductee
  • • IBM Fellow (highest technical honor)
  • • IEEE Fellow designation
  • • 45 patents issued
  • • Co-inventor of the ISA bus standard

Advisory Role

  • • Technical architecture validation
  • • IP strategy and patent development
  • • Industry credibility and validation
  • • Strategic technology partnerships
  • • Investor and customer introductions