The Rise And Fall Of WC Accident Frequency Claims down nationally, but certain states buck the trend, complicating pooling, pricing of coverage

The decline in the rate of occupational accidents has been a well-known phenomenon of the workers' compensation marketplace of the past decade and has significantly colored the rates and performance expectations for the line. In reality, however, state-specific accident frequency rates continue to diverge markedly from the improving national trends in terms of level, stability and direction of movement.

This unstable, cyclical behavior has greatly complicated the pooling of risk and pricing of insurance coverage.