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Table of Contents

Introduction Key Figures COVID-19 Update Payroll and Premium Data Market Share Market Pricing Variation Individual Risk Rating Marketplace Tools Top Ten Classifications Premium by Size of Risk Claim Activity Development Factors Combined Ratios Approved Loss Cost Decrease Approved Rate / Loss Cost Level Changes Loss Cost Level Analysis Settlement Patterns and Claim Frequency Indemnity Severity Trends Medical Severity Trends Severities by Industry and Hazard Group Distribution of Losses by Injury Type Medical Cost Distributions Medical Payments Over Time Prescription Drug Spending Data Sources Definitions