WCIRB Becoming California’s NCCI
The WCIRB Is slowly becoming California’s NCCI.
While attending a recent California Workers’ Compensation Insurance Rating Bureau (WCIRB – the rating bureau for California) conference, I started to notice that the WCIRB was adopting rules that were similar to Boca Raton’s NCCI. I thought I was possibly over-comparing the two agencies.

The rating bureau recently adjusted some of their rating values to more accurately reflect how a company’s safety program is functioning. The WCIRB performed an actuarial analysis to see how all of the companies in California would fare with the change. I thought I would compare their recent NCCI changes that occurred last year.
We should then be able to tell if the two bureaus are going to be more similar over time.
The numbers are based on how the X-Mod would change for group of certain employers.
The numbers as produced by the WCIRB were:
- Approximately 65% of experience rated policyholders received a lower experience modification than would otherwise have been the case as a result of these formula changes.
- Approximately 29% of policyholders received a higher experience modification and
- Approximately 6% of the policyholders were unaffected by the 2010 formula changes.
- Roughly 5% of experience rated policyholders saw increases of between 11 and 20 points in their experience modifications
- Approximately 2% saw increases of more than 20 points. The small percentage of policyholders who experienced large increases were employers with worse than average underlying loss experience.
I will stop here as the NCCI comparison article is over 200 pages. I will add another post tomorrow.
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