Kinetic

What Kinetic does

Kinetic (legal entity One Million Metrics Corp., a Delaware C-corp doing business as Kinetic) is a workers' compensation Managing General Underwriter that packages proprietary AI and hardware technology into a tech-first insurance product for safety-critical industries. The company underwrites on Nationwide Mutual's National Casualty Company paper (A Excellent, FSC XV) across all non-monopolistic U.S. states, with a parallel Cimarron Insurance relationship (A Exceptional by Demotech) covering 29 additional states, distributing exclusively through appointed wholesale brokers. Each Kinetic workers' comp policy bundles four technology modules at no additional cost: Reflex wearable devices (pager-sized ergonomic sensors that vibrate to coach workers on risky bending and twisting), Safety View (generative-AI image-based OSHA safety audits), Claims Navigator (AI claims intelligence that surfaces next-best actions on adjuster notes and claim records), and Rapid Return-to-Work (a tech-managed light-duty job-offer and e-signature workflow). The minimum manual premium is $50,000 in most industries and $100,000 in construction, with appetite across construction, hospitality, janitorial, manufacturing, parcel delivery, transportation and waste collection, and wholesale and warehousing.

Kinetic's revenue model blends MGA commissions on workers' comp premiums (Nationwide and Cimarron paper), direct enterprise SaaS subscriptions for self-insured employers purchasing the Injury Reduction Platform without a Kinetic policy, and per-unit Reflex hardware sales through retail agents. Go-to-market runs primarily through wholesale brokers that submit accounts 90-120 days before effective date, supported by an in-house distribution team, dedicated underwriters, and policyholder success managers. Pricing is quote-based and not publicly disclosed, with Pay-As-You-Go billing available through Reliable Premium Finance and performance-based dividends available on qualifying accounts at $100K+ premium. Founder Haytham Elhawary (now Chief Strategy Officer) started the company after witnessing the impact of workplace injuries on his mother, an elderly care nurse; co-founder Aditya Bansal (CTO, PhD Purdue, ex-IBM Watson) leads technology development. Adam Price (ex-Waitr CEO) leads as CEO. The company is backed by Trinity Capital, Crosslink Capital, Primary Venture Partners, Prologis Ventures, Nationwide, Ubiquity Ventures, and NSF grants.

Recent momentum includes 35%+ year-over-year growth in gross written premium led by Chief Underwriting Officer Michelle Carter, a December 2025 growth capital investment from Trinity Capital to expand the AI-driven Claims Navigator platform, the addition of a self-insured enterprise SaaS motion, expansion into construction as a dedicated vertical, and a series of industry honors in 2026 (EY Entrepreneur Of The Year NY finalist for the CEO, Insurance Luminaries finalist, Best Places to Work in Insurance 2025). Documented customer outcomes include up to 60% reduction in workplace injuries with Reflex devices, nearly 70% reduction in indemnity costs per claim with Rapid Return-to-Work, and 11 days faster return to work.

Name

Kinetic

Legal name

One Million Metrics Corp.

Website

https://kineticcomp.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Kinetic is a tech-first workers' compensation MGA that bundles proprietary AI safety tools and ergonomic wearables into policies underwritten on A-rated Nationwide and Cimarron paper, distributed via wholesale brokers to mid-market employers in safety-critical industries such as construction, manufacturing, and logistics.

Ownership category

akta.pro rank

Product category

Workers' Compensation Insurance

NAICS

Insurance Carriers (5241), Claims Adjusting (524291), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Other Insurance Funds (525190)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Indemnity (Lost-Time) Workers’ Compensation (FSAJAEAB)

akta.pro secondary industries

Managed Workers’ Compensation (Loss Control, Claims & Return-to-Work Programs) (FSAJAEAH), Self-Insured Workers’ Compensation Programs (FSAJAEAD)

Keywords

• Workers compensation insurance
• Injury reduction technology
• Workplace safety wearables
• Claims management software
• Managing general agent

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Workers' compensation MGA commissions: Kinetic earns MGA/Managing General Underwriter commissions on workers' comp policies it places with carrier paper (Nationwide Mutual and Cimarron Insurance). Minimum manual premium is $50,000 ($100,000 for construction). Performance-based dividends are shared with qualifying policyholders.
2. Hardware sales (Reflex wearables): Retail agents can sell Reflex wearable devices directly without bundling to a workers' comp policy. Per-device hardware revenue stream complementing the insurance commission model.
3. Enterprise SaaS injury reduction subscriptions: Self-insured enterprise clients subscribe to the Injury Reduction Platform (Safety View + Reflex + Claims Navigator) on subscription-based Order Form agreements governed by Kinetic's SaaS Terms of Service.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Kinetic underwrites and distributes workers' compensation insurance as a Managing General Agent on A-rated Nationwide Mutual (National Casualty Company) and Cimarron Insurance paper. Every Kinetic policy bundles an Injury Reduction Platform—Reflex wearable ergonomic sensors, Safety View AI image-based OSHA audits, Claims Navigator AI claims intelligence, and Rapid Return-to-Work—at no additional cost. The same technology stack is also sold directly to large self-insured enterprises as a SaaS subscription, and Reflex hardware can be purchased standalone.

Product overview

Kinetic (One Million Metrics Corp., d/b/a Kinetic) sells a tech-first workers' compensation insurance product built on a platform-plus-modules architecture. The core product is a Kinetic Workers' Compensation Insurance policy underwritten on Nationwide paper (with a parallel Cimarron Insurance channel), into which the Kinetic Injury Reduction Platform is embedded at no extra cost. The Injury Reduction Platform unifies three named modules — Safety View (AI image-based safety audits for the PREDICT pillar), Reflex Wearable Devices (ergonomic wearable hardware and analytics for the PREVENT pillar), and Claims Navigator (AI-driven claims intelligence for the MANAGE pillar) — together with the Rapid Return-to-Work program that drives light-duty workflows. Kinetic also offers a self-insured enterprise version of the same stack and a broker distribution program. The company is positioned as a tech-driven MGU focused on safety-critical industries (construction, hospitality, manufacturing, parcel delivery, transportation, wholesale/warehousing, janitorial).

Differentiator

Problem solved

Functional benefit

Brands

• Reflex: Proprietary workplace safety wearable devices that detect high-risk ergonomic movements and deliver real-time coaching to reduce strain and sprain injuries by up to 60%.
• Claims Navigator
• Safety View
• Rapid Return-to-Work

Products and services

• Kinetic Workers' Compensation Insurance Tech-first workers' compensation insurance policy underwritten by Kinetic on A-rated Nationwide Mutual paper (National Casualty Company), with a parallel Cimarron Insurance channel. Each policy bundles Reflex wearables, Safety View AI safety audits, Claims Navigator AI claims intelligence, Rapid Return-to-Work, and Nurse Triage at no additional cost. Targets safety-critical industries including construction, hospitality, janitorial, manufacturing, parcel delivery, transportation, and wholesale/warehousing. Minimum manual premium $50,000 ($100,000 for construction).
• Kinetic Injury Reduction Platform Unified platform combining Kinetic's three injury management pillars: PREDICT (Safety View AI image-based safety audits), PREVENT (Reflex wearable ergonomic sensors with daily ergonomic insights), and MANAGE (Claims Navigator AI-powered claims monitoring and next best actions). Embedded into every Kinetic workers' comp policy at no additional cost and available as a standalone enterprise SaaS subscription to self-insured employers.
• Reflex Wearable Devices Proprietary pager-sized workplace safety wearable clipped to a worker's belt that detects high-risk ergonomic movements (bending, twisting) and delivers real-time vibration coaching. Combines proprietary hardware with cloud-based analytics and weekly reports by employee, shift, and job function. Tracks only wear time, steps, and risky movements—does not capture GPS, audio, video, or biometric data. HIPAA-compliant and GDPR-certified. Reduces strain and sprain injuries by up to 60% when deployed to 40%+ of workers.
• Safety View Generative-AI image-based safety audit solution. Combines smartphone or uploaded facility images with OSHA safety standards to flag and prioritize hazards, producing OSHA and loss-control reports in minutes without requiring site visits. For risk managers, safety leaders, and brokers managing facilities at scale.
• Claims Navigator Workers' compensation claims intelligence platform that continuously scans adjuster notes and structured claims data to surface risk early (missed appointments, stalled return-to-work, drifting claims) and deliver AI-powered next best actions on every claim. Provides real-time loss ratio visibility and dedicated Policyholder Success Manager support.
• Rapid Return-to-Work Tech-managed return-to-work program that creates compliant light-duty job offers in minutes, deploys them electronically for e-signature, and tracks recovery progress. Integrates with ReEmployAbility for offsite light-duty placements when needed. Reduces indemnity costs by nearly 70% per claim and helps employees return to work 11 days faster.
• Kinetic for Self-Insured Businesses Direct enterprise SaaS offering for large self-insured employers that bundles the Kinetic Injury Reduction Platform—Safety View, Reflex wearables, Claims Navigator, and Rapid Return-to-Work—into an annual subscription governed by Kinetic's SaaS Terms of Service, without requiring the customer to buy a Kinetic insurance policy.

Quantifiable outcome

• Up to 60% reduction in workplace injuries
• +5 more outcomes

Named customers10 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered flagship, core and minor.

• Nationwide Mutual Insurance Company / National Casualty CompanyflagshipStrategic or Co-development PartnerKinetic markets and underwrites workers' comp on Nationwide Mutual's National Casualty Company paper (rated A Excellent by AM Best, FSC XV). Nationwide backs every Kinetic policy with best-in-class claims handling, an online billing portal, and Nurse Triage provided through Mitchell | Genex | Coventry. Available in all non-monopolistic states. Kinetic offers unique coverage separate from Nationwide's direct channel.
• Cimarron InsurancecoreStrategic or Co-development PartnerKinetic wholesales workers' comp on Cimarron Insurance paper (rated A Exceptional by Demotech). Available in AL, AZ, AR, CO, DC, FL, GA, IA, ID, IN, KS, KY, LA, MD, MO, MN, MS, MT, NC, NE, NV, NM, OK, OR, SC, SD, TN, UT, VA. Claims handled by Gallagher Bassett.
• McCann DetroitcoreGTM or Marketing PartnerAppointed as Kinetic's advertising and creative agency of record (AOR) to lead brand transformation and improve customer experience. Rebranding emphasizes network reliability, community engagement, and transparent pricing across channels. (Note: this agency relationship is attributed to the fiber broadband Kinetic, not Kinetic Insurance, per the mediapost source.)
• ReEmployAbilityminorImplementation/ SI/ Consulting PartnerKinetic partners with ReEmployAbility to offer offsite light-duty positions for injured workers when a longer-term return-to-work solution is needed, typically within a network of non-profit organizations.
• Mitchell | Genex | CoventrycoreImplementation/ SI/ Consulting PartnerProvides Nurse Triage services for Nationwide-paper Kinetic policyholders, with Mitchell | Genex | Coventry managing certain components of injury reporting and care coordination.
• Gallagher BassettcoreImplementation/ SI/ Consulting PartnerHandles claims and nurse triage for Kinetic policies written on Cimarron paper; provides the PC365 Triage Nurse service for first report of injury.
• Reliable Premium Finance / Reliable Premium ManagementminorImplementation/ SI/ Consulting PartnerFacilitates Pay-As-You-Go billing for Kinetic policyholders — Reliable Premium Finance (Nationwide vendor) for PayGo 0% deposit, and Reliable Premium Management for Cimarron Pay-As-You-Go billing.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Pie Insurance: Tech-enabled workers' compensation MGU targeting small and mid-market employers with a digital distribution platform and carrier partnerships. Most directly comparable US peer — same product category (WC MGU), similar customer base, similar carrier-paper model.
• Employers Holdings (EIG): Specialty workers' compensation insurance carrier focused on small business. Comparable along product line (WC insurance) and vertical specialization, though Employers holds its own balance sheet rather than acting purely as an MGU.
• AmTrust Financial Services: Large specialty P&C insurer with a significant workers' compensation MGU operation (AmTrust MGU). Comparable in MGA model, appetite for hard-to-place small/mid-market risks, and carrier-backed distribution.

Emerging players

• NEXT Insurance: Insurtech MGU providing digital workers' comp and other small-business commercial lines. Overlaps with Kinetic in WC distribution but targets smaller SMBs and is not vertically specialized in safety-critical industries.
• Soter Analytics: Workplace ergonomic AI company offering wearable sensors and software that reduce musculoskeletal injuries. Directly comparable to Kinetic's Reflex + Safety View PREDICT/PREVENT stack, but sold as a standalone technology rather than bundled into a workers' comp policy.
• Voxel: Computer-vision AI platform for workplace safety and OSHA compliance. Competes with Kinetic's Safety View module by analyzing existing camera feeds rather than uploaded images, and partners with carriers/MGUs rather than operating as one.
• Intenseye: AI-driven workplace safety platform using existing camera infrastructure to detect unsafe behaviors and PPE non-compliance. Direct substitute for Safety View in the computer-vision OSHA-auditing niche.
• StrongArm Technologies: Industrial wearable and analytics platform focused on reducing workplace injuries in industrial settings. Direct competitor to Reflex in the wearable ergonomics coaching niche, though without Kinetic's insurance distribution layer.

Broad incumbents

• The Hartford: Large incumbent P&C carrier with a substantial workers' compensation business and dedicated small/mid-market broker distribution. Broader portfolio than Kinetic but directly comparable on WC underwriting appetite and broker-led distribution.
• Travelers: Largest US commercial P&C insurer with a top-tier workers' compensation franchise. Competes indirectly with Kinetic for mid-market WC accounts and represents the scale incumbent Kinetic's tech bundling attempts to differentiate against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kinetic-industrial-wearables
• Xx.com/wearkinetic

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds9 records

Investors15 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kinetic