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SELECTED INDICATORS IN WORKERS’ COMPENSATION:  A REPORT CARD FOR CALIFORNIANS

TABLE OF CONTENTS

Introduction1

Workers’ Compensation Premiums2

Pure Premium Advisory Rates2

Minimum Rate Law and Open Rating2

Advisory Workers’ Compensation Pure Premium Rates: A History Since the 1993 Reform Legislation3

Graphic: Recommended v. Approved Advisory Workers’ Compensation Rates8

California Workers’ Compensation Rate Changes8

Graphic: California Workers’ Compensation Insurance Carrier Rate Filing Changes in 20059

Graphic: California Workers’ Compensation Insurance Carrier Rate Filing Changes effective January 1, 200710

Workers’ Compensation Earned Premium10

Graphic: Workers’ Compensation Total Earned Premium11

Workers’ Compensation Written Premium11

Graphic: Workers’ Compensation Written Premium (in Billion$)12

California WC Premium Deductibles12

Graphic: California WC Premium Deductibles12

Graphic: California WC Deductibles as  percent of Written Premium13

California Workers’ Compensation Insurance Industry14

Workers’ Compensation Insurer Expenses14

Combined Loss and Expense Ratios14

Graphic: Combined Loss and Expense Ratios14

Insurance Companies’ Reserves14

Average Claim Costs15

Graphic: Estimated Total Loss per Indemnity Claim 1993 - 200515

Current State of the Insurance Industry15

Market Share15

Graphic: California WC Market Share by Type of Insurer16

Insurance Market Insolvency16

Listing: Insurers Liquidated since 200017

COSTS OF WORKERS’ COMPENSATION IN CALIFORNIA19

Costs Paid by Insured Employers19

Workers’ Compensation Average Premium Rate19

Graphic: Average California Workers’ Compensation Premium Rate Per $100 of Payroll19

Workers Covered by Workers’ Compensation Insurance19

Graphic: Workers Covered by WC Insurance19

Average Premium per Covered Worker20

Graphic: Workers’ Compensation Earned Premium20

Workers' Compensation System Expenditures21

Indemnity Benefits21

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