Ledgerquire
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United States · Commercial insurance and employment records

Your carrier arrives with a record. You arrive with a spreadsheet.

We hold the record of exposure, we recompute what your carrier bills, and we prove who saw what.

Six in ten premium audits end in an additional charge. Three in ten end in a refund nobody claims. [1]

Recheck your last auditMap your medical files
Illustrative extract.
Worksheet lineWhat the carrier billedWhat the record saysDifference
Class 8810, clerical$2,250.00$2,000.00+$250.00
Class 5403, carpentry$32,500.00$30,000.00+$2,500.00
Class 8742, outside sales$1,651.00not in the register+$1,651.00

+$4,401.00 found in three lines

One worksheet. Three classes. Each difference carries the rule that produced it.

Counterline

Your premium was set on a guess.

Every variance, with its rule and its amount.

Counterline holds the record of your insurable exposure, recomputes the audited premium against it, and documents each variance with the rule that produced it.

Workers' comp · General liability · Commercial auto

Illustrative extract.
03/17/2026Crew reclassified5403 to 5645-$18,400
05/02/2026Certificate expired5645$152,000 at risk
08/29/2026Reverse entry8810-$41,600

Recompute your last audit in two minutes. Nothing you type leaves your browser.

Recheck your last auditExplore Counterline
Sidefile

Your HR folder knows too much.

Every access, including the one that was refused.

Sidefile keeps medical documents outside the personnel record, logs every access by name, and produces the proof on demand.

ADA Title I · GINA · PWFA · State leave programs

Illustrative extract.
03/11 09:42A. Reyes, occupational healthcert-2026-0311.pdfopened
03/12 14:07J. Lund, HR generalistwork_capacityopened
03/14 08:19T. Bauer, direct supervisorcert-2026-0311.pdfrefused

Map where your medical files live in two minutes. No upload, no account.

Map your medical filesExplore Sidefile

6,796

Disability accommodation lawsuits filed in federal court in 2025, up 42% and the highest on record [2].

$75,000

Typical cost of defending one employment claim that settles before trial. [4]

0 to 18%

The range of audit adjustment risk the industry itself puts on premium. [3] [2]

01 Shared infrastructure

Two products, one rule

No amount is displayed without its rule. No document is opened without a trace. Both products are built on the same five primitives, so what one proves, the other proves the same way.

  1. 01

    An immutable register

    Entries are timestamped and signed. Corrections happen by reverse entry, never by rewriting.

  2. 02

    A dated rule engine that cites its source

    Every computed figure carries the rule, the version of the rule, and the document behind it.

  3. 03

    Adversarial recomputation of a third party's decision

    A carrier's audit worksheet, a benefits statement, recomputed line by line against the register.

  4. 04

    Sensitive data partitioned at the foundation

    Row level security policies in PostgreSQL plus an access ledger, not permissions in a screen.

  5. 05

    Multi-party orchestration

    Employer, broker, carrier and employee read one record. Nobody re-keys, so nothing diverges.

02 The boundary

One rule we do not bend

We calculate and we evidence. Someone else decides. We are not an insurance producer, an adjuster, a third-party administrator or a law firm. Adjusting claims, settling them or collecting premium triggers licensing in most states, and giving legal conclusions is not our trade. So we hold the record, we do the arithmetic, and we show the rule behind every figure. The employer and its licensed advisers decide what to do with it.

03 Browser tools

Find out in two minutes

Both tools are free, run entirely in your browser, and take about two minutes. If they find nothing, you will know your program is clean. That is worth knowing too.