A Data-Driven Snapshot of Pennsylvania’s Workers’ Compensation System:
The 2025 State of the Line Report provides a comprehensive, actuarially grounded view of Pennsylvania’s workers compensation market. Through analysis of premium, payroll, claim trends, and pricing dynamics, the report delivers a clear perspective on long-term system performance—equipping carriers with the insight needed to evaluate results, refine underwriting strategy, and anticipate emerging risks.
–67%
Cumulative approved loss cost change since 2005
What’s in the report
- Structural improvement is clear: Long-term reductions in loss costs have been driven primarily by sustained declines in claim frequency.
- Premium stability reflects offsetting forces: Payroll growth continues to counterbalance rate decreases, maintaining overall premium levels.
- Severity and large claims remain key variables: Emerging cost pressures reinforce the need for continued monitoring and disciplined underwriting.