Bring your daily safety work into one place.
Projects, field forms, people and records belong together. Explore Panora, a safety workspace configured for your company. State 28 brings the safety program support behind that work, plus licensed insurance experience to help you understand your EMR and coverage.
One place for your team's daily safety work
- Find projects by name or location
- Manage permits, inspections and tailboards
- Keep team and contractor information organized
- Bring documents and project activity together
- Review project KPIs
Find the project. See the work around it.
Panora brings projects, field forms, people and records into a workspace configured for your company, including its branding. Start with the project list, open the work you need, and keep the supporting information together.
For admins and safety managers, the project map adds a regional view of configured locations. Search by project, client or place, filter active and planned work, and open the project dashboard. Projects without a location remain in the list.
The map shows project locations and regional boundaries. Available tools depend on your company's enabled modules and your role.
When the day changes, response tools are there too.
Alongside daily work, Panora supports incident reporting, emergency alerts and muster/headcount when needed. These capabilities depend on the modules and access configured for your company.
Report from the field
Bring incident and hazard reports into the safety record.
Coordinate a response
Use emergency alerts to support your team's response process.
Account for people
Use muster and headcount to review who has responded when an event occurs.
And your workers' comp premium comes down with it.
Your EMR is the number your carrier multiplies your workers' comp premium by. It compares your claims history to others in your industry. 1.0 is average. Below 1.0 you pay less than average for the same coverage, above it you pay a penalty, and many general contractors won't let you bid at all above a set threshold. Fewer incidents move it down, and the premium follows.
Nobody needs to know that acronym to use the app. It just means the safety work pays for itself.
EMR Savings Estimator
Most safety firms hand you a binder. We hand you software your crews actually open.
The app, the safety program behind it, and the insurance that rides on both, from one certified operator instead of three vendors who don't talk to each other.
Organize the work
Use Panora for projects, forms, people and records, with company branding, modules and access configured around your operation.
Run the program
We build and manage the safety management system behind it: training, audits, claims control, OSHA-ready documentation.
Cut the cost
Fewer incidents drive your experience modifier down, and your workers' comp premium follows it. That is money back every renewal.
A certified safety professional who also builds the software.
"I get in the door by lowering what you pay, then I build the system that keeps it there. Same person, start to finish."
Dustin Smith is a Certified Safety Professional and licensed Texas property & casualty agent with 13 years across oil & gas, construction, wind & solar, manufacturing, and fleet. That combination, a credentialed safety expert who can also place your coverage and build your tools, is rare, and it's the whole point of State 28.
Don't take our word for it. Look up CSP #40734 and CHST #12972 in the BCSP directory, and TX P&C license #3527728 at the Texas Department of Insurance.
More about DustinThirteen years, real sites, real hazards.
Oil & gas, substations, construction, manufacturing, and utilities across the country. Not stock photos. Actual job sites.
Six ways we lower your cost and your risk.
Panora Safety
Explore the safety platform for your crews, sites, and daily work.
Learn moreSafety Management Systems
The full program behind the app, built and run for you.
Talk to DustinEMR Reduction & Claims Control
Drive down your experience modifier and the premium that rides on it.
Learn moreCommercial Insurance
Licensed P&C placement, paired with the safety work that lowers it.
Learn moreGeneral Safety Consulting
OSHA compliance, mock audits, claims defense, injury prevention.
Talk to DustinShort-Term Rental Inspections
Airbnb and VRBO safety inspections that protect owners and guests.
Talk to DustinBuilt for the high-hazard verticals where a lower mod is worth the most.
What contractors ask before the first call.
What can my team do in Panora?
What is an EMR rating and why does it matter?
How much can a lower EMR actually save?
How long until I actually see the savings?
Why would a licensed insurance agent want to lower my premium?
Do you work outside of Texas?
Start with Panora. Then talk through your sites.
Explore Panora Safety first. For help with your safety program or a free EMR review, talk with Dustin.