High-dollar workers' compensation claims are rare, but they can be extremely costly and have a significant impact on an employer's workers' compensation costs. The rarity of these claims makes studying them challenging. Safety National recently completed a review of our large claims and uncovered the following trends.

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Safety National is the largest provider of excess workers' compensation coverage for self-insured employers in the United States, insuring close to one-third of all self-insured employers. We are also a significant writer of high-deductible workers' compensation coverage. Because self-insured claims data is not reported to agencies like the National Council on Compensation Insurance (NCCI), our data can offer a unique perspective that others cannot provide. The largest industry sector that we insure is public entities, including municipalities, K-12 schools and state agencies. Our other larger industry sectors include healthcare, higher education, light manufacturing and retailers.