US Workers’ Compensation Insurance Segment Continues Winning Streak

A young Asian builder falls from a scaffold at a construction site. An engineer supervising the construction came to the aid of a construction worker who fell from a height with hip and leg injuries.

The workers’ compensation segment continues to outperform every other line of business in the U.S. property/casualty (P/C) industry, bolstered by ongoing declines in loss frequency and favorable reserve development, according to a new AM Best report.

U.S. Workers’ Compensation Market Leads the Industry in Profitability: NCCI

Workers Comp profitability

The U.S. workers compensation insurance market has the “strongest profitability” of all lines of property/casualty business, posting an 86% combined ratio in 2023, according to the National Council on Compensation Insurance’s (NCCI) annual State of the Line repor

U.S. Commercial Insurance Rates Sustain Upward Trajectory Exceeding 6%

Premium increases continued at 6%

U.S. commercial insurance rates have continued their upward trajectory through the fourth quarter of 2023, according to the latest findings from WTW’s Commercial Lines Insurance Pricing Survey (CLIPS). Carriers reported an aggregate commercial price increase of 6.7%, continuing a consecutive quarter upsurge over 6%.

Renewal Rates for Nearly All Commercial Lines Up YoY; Nearly All Experience Decrease Month Over Month

premium increases down or flat

Year over year, all major commercial lines experienced an increase in average premium renewal rates. Month over month, Workers’ Compensation experienced an increase in premium renewal rate change, while Commercial Auto, BOP, General Liability, Commercial Property, and Umbrella saw decreases.

AI Reduces Legal Involvement in Workers’ Compensation Lost-Time Claims by 15%, Saving Insurers Millions

AI and healthcare

Gradient AI, a leading enterprise software provider of artificial intelligence (AI) solutions in the insurance industry, today announced the results of a comprehensive research study showing that AI-enabled workers’ compensation claims management reduced legal involvement for lost-time claims by 15%.