A Data-Driven Snapshot of Pennsylvania’s Workers’ Compensation System:
The PCRB State of the Line Report provides a comprehensive, objective overview of the Pennsylvania workers’ compensation insurance system. Designed to support informed decision-making by carriers, regulators, employers, and other stakeholders, the report delivers annual insights into market results, pricing dynamics, claim trends, benefit and premium distributions, and key measures of system performance. Together, these metrics offer a clear picture of system health, stability, and emerging trends shaping the Commonwealth’s workers’ compensation marketplace.
–67.1%
Cumulative approved loss cost change since 2005
What’s in the report
- System profitability remains strong. Pennsylvania’s combined and after-tax operating ratios have generally remained below 100 in recent years, indicating continued underwriting profitability relative to countrywide results.
- Employment and payroll growth have stabilized premiums. Rising wages and payroll levels have largely offset long-term loss cost reductions, resulting in moderate premium growth following pandemic-related declines.
- Claim frequency continues to decline. Decreasing claim frequency across all major industry groups remains a key driver of lower loss costs, despite upward pressure from indemnity and medical severity.