Premium Underwriting Workers Compensation 
Triple-I: Workers Compensation
FEBRUARY 14, 2025
By William Nibbelin, Senior Research Actuary, Triple-I The workers compensation insurance industry experienced its second-best underwriting result in the past 20 years in 2023, with a net combined ratio of 87, according to Triple-Is latest Issues Brief. A combined ratio under 100 indicates a profit.
AMAXX
JULY 15, 2025
When it comes to workers’ compensation costs, few topics spark more debate—and confusion—than the question: Which is worse for my experience mod: many small injuries or one big one? Your experience mod is essentially your company’s credit score for workers’ comp. signals worse-than-average performance and higher premiums.
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R&R Insurance
FEBRUARY 20, 2025
On October 1, 2024 Wisconsin continued its trend entering a ninth consecutive year of reduced workers compensation insurance rates. Workers compensation rates are state mandated in Wisconsin, meaning all insurance carriers must use the same rates resulting in premiums from one carrier to another are basically the same.
AMAXX
MARCH 24, 2025
In this final part of our series exploring the nine elements of independent premium audits, we turn our focus to specialized situations and nuanced adjustments auditors carefully evaluate. Auditors disallow estimates, making precise documentation vital to receiving the intended premium savings associated with this exception.
Triple-I: Homeowners Insurance
MAY 15, 2025
point enhancement compared to the prior year and representing the sector’s most favorable underwriting performance since 2013, as detailed in a recent report by Triple-I and Milliman. This advancement was largely attributable to robust net written premium (NWP) expansion, with growth rates of 14.4 demonstrating a substantial 5.1-point
Zywave
MAY 15, 2025
At the point of purchase the exact moment when customers are most receptive to considering protection insurance providers are now able to make instant underwriting decisions. At the same time, they benefit from contextual data that improves underwriting precision. Threat or opportunity?
AMAXX
MAY 21, 2025
Ask the average employee who pays for workers compensation, and you might hear answers like the insurance company, the government, or even nobodyits just a benefit. In reality, the employer foots the bill for every dollar spent in the workers compensation system. Conversely, a clean record earns lower premiums.
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