How does the premium calculation work?

The `calculate_premium_estimate` tool calculates a base rate for each payroll entry using its class code, applies the experience modifier (EMR), and then scales the result by a regional multiplier.

Can I estimate potential audit costs?

Yes, using `estimate_audit_impact`, you can project how much your premium might change during a year-end audit based on your expected payroll growth.

Does the tool account for safety performance?

Yes, the `calculate_safety_discount` tool allows you to calculate how much your achieved safety rating will reduce your base premium.

Workers' Compensation Premium Calculator MCP Connector for Claude

A+

Estimate workers' comp premiums, deposits, and audit adjustments based on payroll, EMR, and region.

4 tools Official Updated Oct 1, 2026 Official Vinkius Partner

More Details Connect to Claude

This MCP server provides a specialized estimation engine for workers' compensation insurance. It allows AI agents to calculate total estimated premiums using calculate_premium_estimate by processing payroll entries, experience modification rates (EMR), and regional multipliers. Users can also determine upfront payment requirements with calculate_deposit_amount, project potential year-end costs via estimate_audit_impact based on payroll growth, and evaluate safety performance savings using calculate_safety_discount. It bridges the gap between complex insurance data and AI-driven decision making for employers and brokers.

workers-compensationpremium-calculationpayrollaudit-adjustmentinsurance-tech

Connect to Claude

Subscribe on Vinkius, then add this connector to Claude.ai or Claude Code.

① Claude.ai (web app)

Go to Settings → Connectors → Add custom connector
Paste the MCP endpoint URL below

https://edge.vinkius.com/vk_preview_kODiYGbhNhKNr9l1NxEpxD8pC4ZR4UVH8HMuDX6S/mcp

② Claude Code (terminal)

claude mcp add --transport http workers-compensation-premium-calculator https://edge.vinkius.com/vk_preview_kODiYGbhNhKNr9l1NxEpxD8pC4ZR4UVH8HMuDX6S/mcp

③ Claude Desktop

Add to claude_desktop_config.json:

{
  "mcpServers": {
    "workers-compensation-premium-calculator": {
      "url": "https://edge.vinkius.com/vk_preview_kODiYGbhNhKNr9l1NxEpxD8pC4ZR4UVH8HMuDX6S/mcp"
    }
  }
}

Get full access on Vinkius

The preview token above works for testing. Powered by Vinkius.