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NCCI Arizona State Advisory Forum Shows 27.9% Rate Change Disparity


NCCI Arizona State Advisory Forum Shows 27.9% Rate Disparity

The NCCI Arizona State Advisory Forum is worth the time to view or read.  Get the Advisory Info here.  Usually, when I mention a certain state in articles and presentations, someone will say – “we do not have interests in that state”.   Your company may not have interests in Arizona.  As a side note, Sedona/Flagstaff is one of the best vacations one can imagine including the vortexes in Sedona.

There are 36 chances that one of the Forums covers your state.  The Forums are updated often.  NCCI State Advisory Forums cover 36 states – see the national map here.

Concentrating on one state is missing the point.  Follow my logic train. NCCI takes the time and trouble to publish national charts for comparison.   The chart below covers 41 states.

Download the NCCI Arizona State Advisory Forum charts here.    Page 16 contains the national comparison on rate increases and decreases nationally.

The largest rate decrease surprisingly comes from Virginia.  I predicted that four years ago when the Dominion State established a workers comp medical fee schedule.   Almost all states have a fee schedule.

NCCI Arizona State Forum
(C) NCCI – Boca Raton, Fl – all rights reserved

I am not sure why Hawaii had an 11.5% increase in rates.  Is one of the states that you operate included in this chart?  If so, you may want to go to the Forum for that state and see how your state or states are doing in Workers Comp.

I will likely look at the Hawaii State Advisory Forum in the next few weeks to see why the Aloha State increased its rates so much more significantly than other states — possibly tourism boom due to COVID-19?

Your Experience Modification Factor (E-Mod) comes from the risk of companies that are similar to yours that operate in the same state(s).  If you have a business in Montana, that is the state that you should focus on for your Workers Compensation comparisons.

One of the more positive slides from the NCCI Arizona State Advisory Forum is slide 15.  The state’s economy is in a recovery mode- excellent.


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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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