OpenChainGraph Suite · ART-782 · Workers’ Compensation

Modified Premium Calculator

Workers’-compensation modified premium per the NCCI Basic Manual premium algorithm: total subject premium (manual premium plus every premium item subject to experience rating) times the experience modification, rounded to whole dollars.

NCCI Premium Algorithm Subject Premium × Mod Whole-Dollar Rounding
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Subject premium composition is your responsibility: this tool does not compute manual premium from payrolls and rates, and never ships NCCI or state rate tables. Out of scope: premium discount, expense constant, terrorism/catastrophe surcharges, state taxes, schedule rating and assigned-risk surcharge. The NCCI formula does not apply in the monopolistic state funds (Ohio, North Dakota, Washington, Wyoming) or the Puerto Rico and USVI funds.
Inputs
Your NCCI experience rating worksheet mod, or the mod output of the experience-modification node in a chain, read unchanged. A mod of 0 (undetermined rating) is flagged, never applied.
Total manual premium plus premium items subject to experience rating (for example employers liability increased limits premium).
Premium Detail
Execution Hash (SHA-256)







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_modified_premium`. Task: Apply an NCCI experience modification factor to a caller-supplied subject premium (total manual premium plus premium items subject to experience rating) to get the modified premium, rounded to whole dollars.
Call it with arguments: {"policy_parameters":{"mod":0.9,"subject_premium":10000}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-782-modified-premium.html#p=v1.H4sIAAAAAAAA_wEjANz_eyJtb2QiOjAuOSwic3ViamVjdF9wcmVtaXVtIjoxMDAwMH2yATwcIwAAAA