Introduction Key Figures Payroll and Premium Data Market Shares Top 10 Classifications Distribution by Premium Size Development Factors and Changes in Accident Year Loss Ratios Combined Ratios Approved Loss Cost Decrease Approved Rate / Loss Cost Level Changes Market Pricing Variation Individual Risk Rating Claim Frequency / Payment Patterns and Claim Closure Rates Indemnity Severity Trends Medical Severity Trends Indemnity and Medical Severities by Industry Group and Hazard Group Distribution of Claims and Losses by Injury Type Claim and Losses by Part of Body Medical Cost Distributions Prescription Drug Spending Data Sources Definitions