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NCCI Combined Ratio Optimism Video Answers #1 Question


NCCI Combined Ratio Optimism – Top Question Posed to NCCI Every Year

I have been very hesitant over the years to include videos in these 2,000 articles.  Quite a few articles in this blog have covered the vast improvements in the NCCI Combined Ratio figures. Being text-based and easy to read was my goal since the first article was published in 2007.  Cristine Pike, Communications Director for NCCI forwarded the below video as a snippet of what the NCCI Yearly AIS Conference covers in its sessions.

I was going to write an introduction to the video.  Cristine’s message to me should suffice.


Sharing our newly released INSIGHTS video edition, which highlights some key takeaways from our AIS State of the Line. Additionally, you’ll get to see our newest expert, Sandra Kipust – she was behind the scenes to support the data we delivered.

Breaking down a 75-minute presentation isn’t easy, and sometimes folks aren’t able to digest all the content at once.


I agree – watching a 75-minute video on Workers Comp is quite a task.   The below video is 7:09 long.  The NCCI Combined Ratio chart is below the video for reference. The Combined Ratio discussion starts at approximately 1:40 and 4:40 in the video.


The Reported Combined Ratio (Policy Year) vs. Selected NCCI Combined Ratio chart is below.  I suggest taking the time to watch the video in full.   The two participants in the video are:

Sandra Kipust, FCAS, Senior Practice Leader and Actuary, and Sheila Fortson, WCP Director, Corporate & ESG Communications.   The differences/similarities between the NCCI Combined Ratio and the carrier-reported combined ratios are both moving in a positive direction.


NCCI Combined Ratio Chart from video
(c) NCCI – Boca Raton Fl – used with permission

I will be writing another article that covers the difference between reported and selected ratios later this week.



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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