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Workers Compensation Insurance, 2014-2023
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2014 $43,753,885 6.3% 101.9 -1.2 pts. 88 -5 pts.
2015 45,355,102 3.7 95.5 -6.4 85 -3
2016 45,619,831 0.6 95.6 0.1 84 -1
2017 45,047,380 -1.3 92.2 -3.4 86 2
2018 48,614,131 7.9 86.3 -5.8 88 2
2019 47,146,756 -3.0 88.3 2.0 93 5
2020 42,529,620 -9.8 90.2 1.9 95 2
2021 43,159,123 1.5 91.5 1.3 100 5
2022 47,604,071 10.3 87.4 -4.0 97 -3
2023 47,975,234 0.8 88.1 0.7 98 1

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calendar year data from S&P Global Market Intelligence
(4) Calculated from unrounded data.
(5) Accident year data from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; National Council on Compensation Insurance.

 

Archived Tables

WORKERS COMPENSATION INSURANCE, 1999-2008
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      Combined ratio (1)
Year Net premiums written (2) ($000) Annual percent change Calendar year (3) Annual point change Accident year (3) Annual point change
1999 $23,090,325 -4.7% 120.0 NA 143 10 pts.
2000 26,185,928 13.4 114.9 -5.1 pts. 137 -6
2001 27,123,299 3.6 117.3 2.4 124 -13
2002 30,612,127 12.9 108.7 -8.6 106 -18
2003 32,919,340 7.5 108.9 0.2 97 -9
2004 36,734,514 11.6 105.5 -3.4 88 -9
2005 39,724,580 8.1 100.5 -5.0 87 -1
2006 41,820,365 5.3 93.8 -6.7 85 -2
2007 40,860,378 -2.3 99.3 5.5 96 11
2008 36,932,620 -9.6 99.3 0.0 100 (4) 4

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excluding state funds.
(3) Calendar year data are from National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC., calculated from unrounded data. Accident year are from the National Council on Compensation Insurance (NCCI).
(4) Estimated by NCCI.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC; National Council on Compensation Insurance.

 
WORKERS COMPENSATION INSURANCE, 2000-2009
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      Combined ratio (1)
Year Net premiums
written (2) ($000)		 Annual percent
change		 Calendar year (3) Annual point
change (4)		 Accident year (5) Annual point
change
2000 $25,887,885 12.3% 119.6 0.1 pts. 138 -5 pts.
2001 26,974,432 4.2 120.7 1.2 125 -13
2002 30,735,382 13.9 110.5 -10.3 106 -19
2003 32,941,962 7.2 109.7 -0.8 97 -9
2004 36,688,888 11.4 106.0 -3.6 88 -9
2005 39,788,398 8.4 101.9 -4.2 87 -1
2006 41,735,186 4.9 96.5 -5.4 86 -1
2007 40,582,828 -2.8 100.6 4.1 98 12
2008 36,523,030 -10.0 101.0 0.4 102 4
2009 32,010,016 -12.4 108.0 7.1 107 (6) 5

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excluding state funds.
(3) Calendar year data are from SNL Financial LC.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: SNL Financial LC; National Council on Compensation Insurance.

 
WORKERS COMPENSATION INSURANCE, 2001-2010
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar year (3) Annual point
change (4)		 Accident year (5) Annual point
change
2001 $26,974,242 4.2% 120.7 1.2 pts. 125 -13.0 pts.
2002 30,735,382 13.9 110.5 -10.2 106 -19
2003 32,941,961 7.2 109.7 -0.8 97 -9
2004 36,688,888 11.4 106.0 -3.6 88 -9
2005 39,788,398 8.4 101.9 -4.2 87 -1
2006 41,735,186 4.9 96.5 -5.4 86 -1
2007 40,582,828 -2.8 100.6 4.1 98 12
2008 36,523,030 -10.0 101.0 0.4 104 6
2009 32,009,874 -12.4 108.0 7.0 109 5
2010 31,483,419 -1.6 115.9 7.9 114 (6) 5

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excluding state funds.
(3) Calendar year data are from SNL Financial LC.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: SNL Financial LC; National Council on Compensation Insurance.

 
WORKERS COMPENSATION INSURANCE, 2002-2011
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point change (4) Accident
year (5)		 Annual point change
2002 $30,735,382 13.9% 110.5 -10.2 pts. 106 -19 pts.
2003 32,941,961 7.2 109.7 -0.8 97 -9
2004 36,688,888 11.4 106.0 -3.6 88 -9
2005 39,788,398 8.4 101.9 -4.2 87 -1
2006 41,735,186 4.9 96.5 -5.4 86 -1
2007 40,582,828 -2.8 100.6 4.1 98 12
2008 36,523,030 -10.0 101.0 0.4 104 6
2009 32,009,874 -12.4 108.0 7.0 109 5
2010 31,483,471 -1.6 115.9 7.9 116 7
2011 35,666,609 13.3 117.2 1.3 114 (6) -2

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excluding state funds.
(3) Calendar year data are from SNL Financial.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: SNL Financial LC; National Council on Compensation Insurance.

 
WORKERS COMPENSATION INSURANCE, 2003-2012
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point change (4) Accident
year (5)		 Annual point change
2003 $32,885,046 7.4% 110.5 -0.8 pts. 98 -8 pts.
2004 36,735,582 11.7 106.9 -3.6 88 -10
2005 38,981,699 6.1 102.1 -4.8 87 -1
2006 41,820,419 7.3 95.4 -6.7 86 -1
2007 40,610,991 -2.9 101.7 6.3 99 13
2008 36,939,016 -9.0 101.5 -0.2 106 7
2009 32,247,870 -12.7 107.9 6.4 110 4
2010 31,643,087 -1.9 116.1 8.2 118 8
2011 35,664,230 12.7 117.6 1.5 114 -4
2012 37,943,501 6.4 109.7 -8.0 108 (6) -6

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from SNL Financial LC.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: SNL Financial LC; National Council on Compensation Insurance.

 
WORKERS COMPENSATION INSURANCE, 2004-2013
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2004 $36,735,582 11.7% 106.9 -3.6 pts. 88 -10 pts.
2005 38,981,699 6.1 102.1 -4.8 87 -1
2006 41,820,419 7.3 95.4 -6.7 86 -1
2007 40,610,991 -2.9 101.7 6.3 99 13
2008 36,939,016 -9.0 101.5 -0.2 106 7
2009 32,247,870 -12.7 107.9 6.4 110 4
2010 31,643,087 -1.9 116.1 8.2 118 8
2011 35,664,230 12.7 117.6 1.5 113 -5
2012 38,747,594 8.6 110.4 -7.3 107 -6
2013 40,896,983 5.5 103.0 -7.4 99 (6) -8

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from SNL Financial.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI) and exclude state funds.
(6) Estimated by NCCI.

Source: SNL Financial LC; ©National Council on Compensation Insurance.

 
WORKERS COMPENSATION INSURANCE, 2005-2014
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2005 $38,981,699 6.1% 102.1 -4.8 pts. 87 -1 pts.
2006 41,820,419 7.3 95.4 -6.7 86 -1
2007 40,610,991 -2.9 101.7 6.3 99 13
2008 36,939,016 -9.0 101.5 -0.2 106 7
2009 32,247,870 -12.7 107.9 6.4 110 4
2010 31,643,087 -1.9 116.1 8.2 118 8
2011 35,664,230 12.7 117.6 1.5 113 -5
2012 38,747,594 8.6 110.4 -7.3 106 -7
2013 40,921,639 5.6 103.0 -7.4 99 -7
2014 43,546,737 6.4 102.4 -0.6 95 (6) -4

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from SNL Financial.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI) and exclude state funds.
(6) Estimated by NCCI.

Source: SNL Financial LC; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2006-2015
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2006 $41,820,419 7.3% 95.4 -6.7 pts. 85 -2 pts.
2007 40,610,991 -2.9 101.7 6.3 97 12
2008 36,939,016 -9.0 101.5 -0.2 104 7
2009 32,247,870 -12.7 107.9 6.4 108 4
2010 31,643,087 -1.9 116.1 8.2 116 8
2011 35,664,230 12.7 117.6 1.5 112 -4
2012 38,747,594 8.6 110.4 -7.3 103 -9
2013 41,147,216 6.2 103.0 -7.3 100 -3
2014 43,546,737 5.8 102.4 -0.6 97 -3
2015 45,090,509 3.5 95.4 -7.0 98 (6) 1

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; © National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2007-2016
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2007 $40,610,991 -2.9% 101.7 6.3 pts. 98 13 pts.
2008 36,939,016 -9.0 101.5 -0.2 104 6
2009 32,247,870 -12.7 107.9 6.4 108 4
2010 31,643,087 -1.9 116.1 8.2 115 7
2011 35,664,230 12.7 117.6 1.5 112 -3
2012 38,947,491 9.2 110.4 -7.2 104 -8
2013 41,147,216 5.6 103.0 -7.4 99 -5
2014 43,753,885 6.3 102.5 -0.6 95 -4
2015 45,355,102 3.7 95.5 -6.9 96 1
2016 45,620,510 0.6 95.6 0.1 98 (6) 2

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2008-2017
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2008 $36,939,016 -9.0% 101.5 -0.2 pts. 104 6 pts.
2009 32,247,870 -12.7 107.9 6.4 107 3
2010 31,643,087 -1.9 116.1 8.2 115 8
2011 35,664,230 12.7 117.6 1.5 111 -4
2012 38,947,491 9.2 110.4 -7.2 103 -8
2013 41,147,216 5.6 103.0 -7.4 97 -6
2014 43,753,885 6.3 101.9 -1.2 93 -4
2015 45,355,102 3.7 95.5 -6.4 94 1
2016 45,619,831 0.6 95.6 0.1 95 1
2017 45,047,380 -1.3 92.2 -3.4 99 (6) 4

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2009-2018
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2009 $32,247,870 -12.7% 107.9 6.4 pts. 107 3 pts.
2010 31,643,087 -1.9 116.1 8.2 114 7
2011 35,664,230 12.7 117.6 1.5 110 -4
2012 38,947,491 9.2 110.4 -7.2 102 -8
2013 41,147,216 5.6 103.0 -7.4 96 -6
2014 43,753,885 6.3 101.9 -1.2 92 -4
2015 45,355,102 3.7 95.5 -6.4 92 0
2016 45,619,831 0.6 95.6 0.1 93 1
2017 45,047,380 -1.3 92.2 -3.4 96 3
2018 48,343,292 7.3 86.2 -5.9 97 (6) 1

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2010-2019
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2010 $32,247,870 -12.7% 107.9 6.4 pts. 114 7 pts.
2011 31,643,087 -1.9 116.1 8.2 110 -4
2012 35,664,230 12.7 117.6 1.5 102 -8
2013 38,947,491 9.2 110.4 -7.2 96 -6
2014 41,147,216 5.6 103.0 -7.4 92 -4
2015 43,753,885 6.3 101.9 -1.2 92 0
2016 45,355,102 3.7 95.5 -6.4 93 1
2017 45,619,831 0.6 95.6 0.1 96 3
2018 45,047,380 -1.3 92.2 -3.4 95 -1
2019 48,343,292 7.3 86.2 -5.9 99 (6) 4

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2011-2020
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2011 $35,664,230 12.7% 117.6 1.5 pts. 110 -4 pts.
2012 38,947,491 9.2 110.4 -7.2 102 -8
2013 41,147,216 5.6 103.0 -7.4 95 -7
2014 43,753,885 6.3 101.9 -1.2 90 -5
2015 45,355,102 3.7 95.5 -6.4 88 -2
2016 45,619,831 0.6 95.6 0.1 88 0
2017 45,047,380 -1.3 92.2 -3.4 91 3
2018 48,614,131 7.9 86.3 -5.8 93 2
2019 47,142,191 -3.0 88.3 2.0 97 4
2020 42,500,412 -9.8 90.2 1.9 100 (6) 3

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2012-2021
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2012 $38,947,491 9.2% 110.4 -7.2 pts. 101 -8 pts.
2013 41,147,216 5.6 103.0 -7.4 94 -7
2014 43,753,885 6.3 101.9 -1.2 89 -5
2015 45,355,102 3.7 95.5 -6.4 87 -2
2016 45,619,831 0.6 95.6 0.1 86 -1
2017 45,047,380 -1.3 92.2 -3.4 88 2
2018 48,614,131 7.9 86.3 -5.8 91 3
2019 47,146,756 -3.0 88.3 2.0 96 5
2020 42,529,620 -9.8 90.2 1.9 99 3
2021 42,680,678 0.4 91.5 1.3 102 (6) 3

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) As Reported: NAIC’s Annual Statement Schedule P—Part 1D data as of 12/31/2021.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

 
Workers Compensation Insurance, 2013-2022
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($000)

      Combined ratio (1)
Year Net premiums
written (2)		 Annual percent
change		 Calendar
year (3)		 Annual point
change (4)		 Accident
year (5)		 Annual point
change
2013 $41,147,216 5.6% 103.0 -7.4 pts. 94 -7 pts.
2014 43,753,885 6.3 101.9 -1.2 88 -5
2015 45,355,102 3.7 95.5 -6.4 86 -2
2016 45,619,831 0.6 95.6 0.1 85 -1
2017 45,047,380 -1.3 92.2 -3.4 87 2
2018 48,614,131 7.9 86.3 -5.8 90 3
2019 47,146,756 -3.0 88.3 2.0 94 5
2020 42,529,620 -9.8 90.2 1.9 97 3
2021 43,051,105 1.2 91.4 1.2 100 3
2022 47,569,194 10.5 87.40 -4.0 97 (6) -3

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.  
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.