Check + Coverdash Workers' Compensation Integration Guide

Introduction

Coverdash is a digital insurance brokerage that helps small businesses find workers' compensation coverage from 30+ carriers, with instant quotes and pay-as-you-go premium options. Unlike traditional workers' comp policies where the premium is based on an estimated annual payroll, Coverdash offers pay-as-you-go insurance that systematically calculates premiums using actual payroll data every pay cycle.

The Check + Coverdash Integration enables you to offer your customers workers' comp insurance directly in your platform, enabling you to:

• Quickly test for product-market-fit
• Differentiate your payroll product by adding an embedded insurance offering
• Add a new revenue stream for your business

Integration Overview

Unlike other Check ecosystem integrations that use Check's /components/integrations endpoint, the Coverdash integration involves calling Coverdash's API directly. The integration follows a five-step process:

Step 1: Collect NCCI codes for employees

NCCI codes are required for each employee of the company to enable accurate premium calculations. NCCI (National Council on Compensation Insurance) classification codes categorize employees by their job duties to determine risk and premium rates.

To pass these to Coverdash, set the following field property on the employees of the company by using the Update an employee Check API endpoint.

{
  "metadata": {
    "ncciCode": "5183"
  }
}

You can expose a dropdown UI for companies to add their own NCCI codes using Coverdash's NCCI Lookup API, which takes industry as one of the parameters. A full list of NCCI codes can be found here.

Step 2: Create a Business in Coverdash

Call the Coverdash createBusiness API to register the employer in the Coverdash system. You should also pass the Check company ID (e.g. com_abc123...) to Coverdash in this call via the requestedBusinessId field in your API request. You'll receive a businessID to store on your end.

https://api.coverdash.com/partnerSubmission/createBusiness

Pass over as much information as you have about the employer at this stage (business name, address, industry, number of employees, etc.). The more data provided upfront, the fewer questions the Coverdash component needs to ask, and the faster the quoting experience will be. Instant quoting is available for all pay-as-you-go partners with sufficient data in the createBusiness call.

Step 3: Authorize Coverdash to access company data through Check

Grant Coverdash access to the your company's data through Check by using either the Authorize integration Component, or the Authorize an Integration Partner API endpoint.

Step 4: Create an Application in Coverdash

Using the businessID from Step 1, call the createApplication API with a policy type of workers' compensation. You'll receive an applicationID in return.

https://api.coverdash.com/partnerSubmission/createApplication

Step 5: Surface the Coverdash Component

Using the applicationID from Step 2, render the Coverdash pay-as-you-go workers' comp component directly in your platform. The component is an embeddable piece of UI that you can embed via an iFrame.

Coverdash Experience Walkthrough

Getting a Workers' Compensation Quote

1. After an employer submits their first payroll, surface the Coverdash component to prompt them to set up workers' compensation coverage. The component presents the value of workers' comp and gives the employer two options: "Get a new policy" or "I already have Workers' Compensation".

2. New policy flow: Clicking "Get a new policy" takes the employer through the Coverdash quoting experience. The component collects any additional information needed and generates an instant quote from available carriers. The quote page displays carrier details, monthly premium (based on payroll estimate), coverage limit, deductible, effective date, and policy type.

3. Existing policy flow: Clicking "I already have Workers' Compensation" presents a form where employers can sync their existing coverage. They can enter their policy number and insurance carrier, or upload their policy document directly.

4. After purchasing a new policy or syncing an existing one, the employer receives a confirmation email from Coverdash. They can manage their policy, view their Certificate of Insurance, and access dedicated support through the Coverdash dashboard.