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Commissioner Issues Decision Regarding 2019 Pure Premium Rate Filing

The California Insurance Commissioner has issued a Decision regarding the WCIRB’s January 1, 2019 Pure Premium Rate Filing (Filing) which was originally submitted to the California Department of Insurance on August 20, 2018. (See WCIRB Submits January 1, 2019 Pure Premium Rate Filing to CDI.) A public hearing regarding the Filing was held on October 5, 2018.

In his Decision, the Insurance Commissioner approved advisory pure premium rates that average $1.63 per $100 of payroll. The average approved pure premium rate is 8.4% less than the average of the approved July 1, 2018 advisory pure premium rates of $1.78 per $100 of payroll and 23.5% less than the July 1, 2018 industry average filed pure premium rate of $2.13.

The approved January 1, 2019 advisory pure premium rates differ from the pure premium rates proposed in the amended WCIRB filing, which averaged $1.70 per $100 of payroll. The approved pure premium rates differed from the WCIRB’s proposed pure premium rates in that the pure premium rate projection reflected in the CDI decision (1) reflected June 30, 2018 loss experience and updated lien filing information that was not available at the time of the WCIRB filing, (2) incorporated incurred loss development in part to project ultimate medical losses and (3) reflected lower claim severity trends of -1% for indemnity and +1.5% for medical in lieu of the -0.5% for indemnity and +2.5% for medical reflected in the WCIRB filing.

The Insurance Commissioner’s Decision and electronic files containing the approved January 1, 2019 pure premium rates may be downloaded from the Filings and Plans section of the WCIRB website. ( The “WCRATE” file with the abbreviated class wording will also be available for download in this section within the next few days.

Related Information

Insurance Commissioner’s Decision
Bulletin 2018-24 WCIRB January 1, 2019 Pure Premium Rate Filing Decision
January 1, 2019 Pure Premium Rate Filing
2019 Advisory Pure Premium Rates:  XLS File | Delimited File

November 7, 2018