Skip to Content


Print page

WCIRB Third Quarter 2018 Experience Report Released

The WCIRB has released its quarterly update on California statewide insurer experience valued as of September 30, 2018.

Highlights of the report include:

  • California written premium for the first nine months of 2018 is $13.1 billion, which is 3% below the written premium reported for the first nine months of 2017.
  • The projected industry average charged rate per $100 of payroll for policies incepting in the first nine months of 2018 is $2.28, which is 10% below the average rate charged in 2017.
  • The WCIRB projects an ultimate accident year combined loss and expense ratio of 87% for 2017, which is 4 points higher than 2016 projections as premium levels have lowered while average claim severities moderately increased. Despite the projected increase, the combined ratios for 2014 to 2017 remain the lowest since the 2004 to 2006 period.
  • The WCIRB projects the average cost (or “severity”) of a 2017 indemnity claim to be approximately $69,500, which is 2% higher than the projected severity for 2016. Total claim severity growth over the last several years has been relatively modest as increases in average indemnity and ALAE costs have been in part offset by declines in average medical costs through 2016.

The full report is available in the Research section of the WCIRB website ( and linked below:

WCIRB Quarterly Experience Report - As of September 30, 2018

WCIRB Research Forum Webinar

The WCIRB will host a free webinar to discuss the WCIRB Quarterly Experience Report and demonstrate the features of the new Interactive Policy Year Stats report. View the registration information below.

Interactive Policy Year Stats Report and WCIRB Quarterly Experience Report as of September 30, 2018
Tuesday, December 18, 2018, 10:00 AM - 10:45 AM Pacific Time
Presenters: Tony Milano, Vice President, Actuary; Katrina Sonka, Actuarial Analyst
Register Now

For those unable to attend the live webinar, a recording will be posted in the Research section of the WCIRB website following the event.

December 12, 2018