Facts + Statistics: Workplace Safety/Workers Comp

Workers Compensation Insurance

Workers compensation insurance provides for the cost of medical care and rehabilitation for injured workers and lost wages and death benefits for the dependents of persons killed in work-related accidents. Workers compensation systems vary from state to state. Workers compensation combined ratios are expressed in two ways. Calendar year results reflect claim payments and changes in reserves for accidents that happened in that year or earlier. Accident year results only include losses from a particular year.

 

Workers Compensation Insurance, 2009-2018

($000)

      Combined ratio (1)
Year Net premiums
written (2)
Annual percent
change
Calendar
year (3)
Annual point
change (4)
Accident
year (5)
Annual point
change
2009 $32,247,870 -12.7% 107.9 6.4 pts. 107 3 pts.
2010 31,643,087 -1.9 116.1 8.2 114 7
2011 35,664,230 12.7 117.6 1.5 110 -4
2012 38,947,491 9.2 110.4 -7.2 102 -8
2013 41,147,216 5.6 103.0 -7.4 96 -6
2014 43,753,885 6.3 101.9 -1.2 92 -4
2015 45,355,102 3.7 95.5 -6.4 92 0
2016 45,619,831 0.6 95.6 0.1 93 1
2017 45,047,380 -1.3 92.2 -3.4 96 3
2018 48,343,292 7.3 86.2 -5.9 97 (6) 1

(1) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(2) After reinsurance transactions, excludes state funds.
(3) Calendar year data are from S&P Global Market Intelligence.
(4) Calculated from unrounded data.
(5) Accident year data are from the National Council on Compensation Insurance (NCCI).
(6) Estimated by NCCI.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute; ©National Council on Compensation Insurance.

View Archived Tables

 

 

Top 10 Private Industry Occupations With The Largest Number Of Injuries And Illnesses, 2017 (1)

 

Rank Occupation  Number Percent of total
1 Laborers (nonconstruction) 64,410 7.3%
2 Truck drivers, heavy and tractor-trailer 47,860 5.4
3 Janitors and cleaners 35,580 4.0
4 Nursing assistants 34,210 3.9
5 General maintenance and repair workers 30,580 3.5
6 Retail salespersons 25,200 2.9
7 Registered nurses 24,540 2.8
8 Stock clerks and order fillers 23,990 2.7
9 Construction laborers 23,290 2.6
10 Light truck and delivery service drivers 22,830 2.6
  Total, top 10 332,490 37.7%
  Total, all occupations 882,730 100.0%

(1) Nonfatal injuries and illnesses involving days off from work for private industries; excludes farms with fewer than 11 employees.

Source: U.S. Department of Labor, Bureau of Labor Statistics.

View Archived Tables

 

 

Top 10 Writers Of Workers' Compensation Insurance By Direct Premiums Written, 2017

($000)

Rank Group/company Direct premiums written (1) Market share (2)
1 Travelers Companies Inc. $4,355,810 7.6%
2 Hartford Financial Services 3,406,913 5.9
3 AmTrust Financial Services  2,920,153 5.1
4 Zurich Insurance Group (3) 2,916,630 5.1
5 Berkshire Hathaway Inc. 2,776,306 4.8
6 Liberty Mutual 2,446,876 4.2
7 Chubb (4) 2,395,588 4.2
8 State Insurance Fund Workers' Comp (NY) 2,277,778 4.0
9 American International Group 1,581,819 2.7
10 Old Republic International Corp. 1,456,600 2.5

(1) Before reinsurance transactions, includes some state funds.
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by S&P Global Market Intelligence.
(4) Chubb Ltd. data reflect the 2015 merger with Ace Ltd.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

View Archived Tables

 

Causes of Workplace Deaths

According to the U.S. Department of Labor, transportation related accidents (including vehicle crashes) were the leading cause of workplace deaths in 2017, with 2,077 fatalities, accounting for 40 percent of the total.

The occupation with the highest rate of fatalities in 2017 was fishing followed by logging, aircraft pilots and flight engineers, and roofers. The all-industry average was 3.5 deaths per 100,000 workers.

 

Workplace Deaths By Selected Cause, 2016-2017(1)

 

  2016 2017
Cause Number Number Percent of total
All transportation (includes vehicle crashes) 2,083 2,077 40%
     Vehicle crashes (2) 1,252 1,299 25
Falls   849 887 17
Assaults and violence (includes homicides) 866 807 16
     Homicides 500 458 9
Contact with objects and equipment 761 695 14
Exposure to harmful substances or environments 518 531 10
Fires and explosions 88 123 2
Total workplace fatalities 5,190 5,147 100%

(1) From intentional and unintentional sources. Data in this chart do not add to total workplace fatalities due to the inclusion of miscellaneous injuries in the total.
(2) Roadway incidents involving motorized land vehicles.

Source: U.S. Department of Labor, Bureau of Labor Statistics, Census of Fatal Occupational Injuries.

View Archived Tables

 

LARGE LOSS FIRES

The charts below show the costliest large-loss fires, many of which involve industrial facilities and other non-residential structures. The rankings are based on property loss data from the National Fire Protection Association. For further data see NFPA statistics.

 

Top 10 Most Costly Large-Loss Fires In U.S. History

($ millions)

      Estimated loss (1)
Rank Date Location/event Dollars when occurred In 2018 dollars (2)
1 Sep. 11, 2001 World Trade Center (terrorist attacks) $33,400 (3) $47,400
2 Oct. 8, 2017 Northern CA wildland urban interface fire 10,000 10,200
3 Apr. 18, 1906 San Francisco Earthquake and Fire 350 9,700
4 Nov. 8, 2018 Camp wildland urban interface fire 8,500 8,500
5 Oct. 8-9, 1871 Great Chicago Fire 168 3,500
6 Nov. 8, 2018 Woolsey wildland urban interface fire 2,900 2,900
7 Oct. 20, 1991 Oakland, CA, firestorm 1,500 2,800
8 Oct. 20, 2007 San Diego County, CA, The Southern California Firestorm 1,800 2,200
9 Dec. 14, 2017 Southern CA wildland urban interface fire 1,800 1,800
10 Sep. 12, 2015 Valley Fire, CA, wildland urban interface fire 1,500 1,600

(1) Loss estimates are from National Fire Protection Association (NFPA) records. The list is limited to fires for which some reliable dollar loss estimates exists.
(2) Adjustment to 2018 dollars made by the NFPA using the Consumer Price Index, including the U.S. Census Bureau's estimates of the index for historical times.
(3) Differs from inflation-adjusted estimates made by other organizations due to the use of different deflators.

Source: ©National Fire Protection Association www.nfpa.org/research/reports-and-statistics.

View Archived Tables

 

 

Top 10 Costliest Large-Loss Fires, 2018

($ millions)

Rank Month State Type of facility Estimated loss
1 November California Wildland-urban interface fire, Camp Fire $8,473.4
2 November California Wildland-urban interface fire, Woolsey Fire 2,932.1
3 Jujly California Wildland-urban interface fire, Carr Fire 892.6
4 May Kansas University library 70.0
5 April California Apartment complex under construction 60.5
6 September D.C. Occupied apartment building 47.0
7 July California Wildland-urban interface fire, Ranch Fire 30.3
8 July Wisconsin Printing facility 21.0
9 February California Single-family home 20.5
10 May Missouri Hog farm 20.0
10 August California Wood product manufacturing Ppant 20.0

Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data.

Source: Reproduced with permission from Large-Loss Fires in the United States, 2018 by Stephen G. Badger and Matthew Foley, ©National Fire Protection Association https://www.nfpa.org/News-and-Research/Data-research-and-tools.

View Archived Tables

 

Back to top