Underwriting Results by State

Workers compensation premiums provide funds to meet two expenditures: benefit costs and operating expenses of the benefit system. Underwriting results are a measure of the adequacy of premium funds to cover these expenditures. NCCI’s Underwriting Results are provided on both calendar-accident year and policy year bases, and may be used to quickly and easily review differences both within and across individual jurisdictions.

Calendar-Accident Year Underwriting Results by State reflect premium transactions occurring in a given calendar year, along with loss experience, for claims with accident dates beginning January 1 and ending December 31 of that year. Policy Year Underwriting Results by State are based on premium and claims experience on policies with effective dates from January 1 through December 31 of a particular year.

Please note that the Underwriting Results have not been adjusted to reflect recent rate, loss cost, trend, or benefit changes.

Updates to this report will be provided in the fall and spring of each year.