WC Results/Combined Ratio

Indicates insurance company’s health

If above 100:
  paying more in claims & expenses than getting in premium
  can still be profitable due to investment income

The combined ratio is the sum of the combined loss ratio, expense ratio and dividend ratio for a given time period. The formula is [(Loss + Loss Adjustment Expense)/Earned Premium] + [Underwriting Expenses/Written Premium] + [Dividends to Policyholders/Earned Premium].

Premium Distrubution Graph

WC Calendar vs. Accident Years

Combined Ratios Countrywide—Private Carriers

Calendar vs Accident Year Graph

WC Calendar vs. Accident Years - Indiana

Calendar vs Accident Year Indiana Graph