Iowa Residual Market State Activity Report
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1 Iowa Residual Market State Activity Report
2 Executive Summary NCCI, as Pool and Plan Administrator of the Iowa Workers Compensation Insurance Plan, is pleased to provide the Iowa Residual Market State Activity Report. Readers will notice that the order of our charts and tables has been reorganized, based on customer feedback. This will provide a more streamlined picture of the key measurement factors and issues relating to the operation of the Iowa Plan. Residual Market demographics contained in this report include: Table of Contents Residual Market Total Policies and in Force... 1 Iowa Residual Market Reinsurance Pool Booked Loss Ratio... 2 Iowa Residual Market Reinsurance Pool Ultimate Net Written... 2 Iowa Residual Market Reinsurance Pool Net Operating Results... 3 Collections/Indemnification... 4 Total Applications Bound... 5 Total Application Bound... 5 Residual Market Total Policy Counts... 6 Residual Market Total Volume... 6 Total Distribution by Size of Risk... 7 Residual Market Top 10 Classification Codes by Policy Count... 8 Residual Market Top 10 Classification Codes by Volume... 8 Glossary of Terms... 9 If you have any questions or comments about this report, please feel free to contact the individual listed below. Sean Cordell, Plan Administration Copyright 2018 National Council on Compensation Insurance, Inc. This material is owned by NCCI and is protected by copyright law. NCCI will seek all appropriate legal remedies for the unauthorized use, sale, reproduction, distribution, preparation of derivative works, transfer or assignment of this material, or any part thereof. NCCI makes no representation or warranty, express or implied, as to any matter whatsoever, including but not limited to the accuracy of any information, product, or service furnished hereunder. The recipient of this material is subject to any license agreement that governs the use of this information and subscribes to and utilizes the information as is.
3 Residual Market Total Policies and in Force As of March 31, 2018 compared to prior year Total number of Assigned Risk Plan policies and estimated premium volume in force reported as of the date listed above. The other exhibits in this report describe quarterly and year-to-date data vs # 2018 vs % Policy Count 4,159 4, % Volume $27,828,912 $33,548,374 -$5,719, % Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 1
4 Iowa Residual Market Reinsurance Pool Booked Loss Ratio Financial Results through 4th Quarter 2017 for 2017 and prior years* The ratio of total incurred losses to total earned premiums in a given period, in this state, expressed as a percentage. 150% Booked Loss Ratio Percentage 100% 50% 51.5% 59.8% 50.0% 64.6% 0% Iowa Residual Market Reinsurance Pool Ultimate Net Written (Projected to Ultimate) (000 s) Financial Results through 4th Quarter 2017 for 2017 and prior years* The premium charged by an insurance company for the period of time and coverage provided by an insurance contract in this state. Ultimate $45,000 $40,000 $35,000 $30,000 $25,000 $20,000 $15,000 $10,000 $40,299 $37,545 $31,726 $27, * data will be available the end of July 2018 due to the timing of data reporting Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 2
5 Iowa Residual Market Reinsurance Pool Net Operating Results (Projected to Ultimate) Incurred Losses Financial Results through 4th Quarter 2017 for 2017 and prior years* Policy year incurred losses reflect paid losses, case reserves and IBNR reserves for policies written in a particular policy year in that state. Incurred Losses Including IBNR (000)'s $40,000 $30,000 $20,000 $10,000 $0 $20,754 $22,452 $15,863 $17, Iowa Residual Market Reinsurance Pool Net Operating Results (Projected to Ultimate) Estimated Net Operating Gain/(Loss) (000 s) Financial Results through 4th Quarter 2017 for 2017 and prior years* The financial statement presentation that reflects the excess of earned premium over incurred losses, less all operating expenses, plus all investment income in that state $2, $4,896 $7, $8,580 $0 $2,000 $4,000 $6,000 $8,000 $10,000 Operating Gain/(Loss) (000's) * data will be available the end of July 2018 due to the timing of data reporting Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 3
6 Collections/Indemnification The following shows a comparison of gross written premium and uncollectible premium reported in Iowa for s , obtained through NP-4 and NP-5 reports including traumatic and black lung claims, evaluated through 4th Quarter Gross Written Uncollectible Percentage 2013 $47,337,127 $791, % 2014 $40,988,290 $689, % 2015 $38,579,244 $1,034, % 2016 $31,700,177 * N/A 2017 $22,598,193 * N/A * The uncollectible premiums provided are reported by the servicing carriers on a quarterly basis. Uncollectible premium is generally reported up to 24 months after the policy expiration date due to audit, billing, and collection requirements. Therefore, the uncollectible premium data has not yet developed for the more recent policy years. Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 4
7 Total Applications Bound 2015 vs vs vs The number of applications both new and churn that are assigned to a Servicing Carrier or a Direct Assignment Carrier (if applicable) Applications Bound st Qtr 2nd Qtr 3rd Qtr 4th Qtr Total Application Bound 2015 vs vs vs The total estimated premium on bound applications both new and churn that are assigned to a Servicing Carrier or a Direct Assignment Carrier (if applicable). Bound $5,000,000 $4,000,000 $3,000,000 $2,000,000 $1,000,000 $2,976,053 $0 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 5
8 Residual Market Total Policy Counts First Quarter Data for Policies Reported through March 31, 2018 Total number of all Assigned Risk Plan policies with effective dates during the calendar period listed above. 1,200 1,000 1,181 1,109 1, Number of Policies Residual Market Total Volume First Quarter Data Reported through March 31, 2018 Total amount of all Assigned Risk Plan premium with effective dates during the calendar period listed above. $11,356,951 Volume $12,000,000 $10,000,000 $8,000,000 $6,000,000 $4,000,000 $2,000,000 $8,940,050 $8,789,790 $7,306,322 $ Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 6
9 Total Distribution by Size of Risk First Quarter Data Reported through March 31, 2018 The total number of Assigned Risk Plan policies reported to NCCI by Direct Assignment and Servicing Carriers in a premium range as of the date listed above. Interval Policy Count % of Total Total State % of Total Average Policies $ % $505, % $994 $ % $566, % $3,655 $ % $960, % $7,219 $ % $1,019, % $13,971 $ % $1,779, % $32,352 $ % $834, % $69,510 $ % $1,148, % $143,569 $ % $492, % $246,200 Total % $7,306, % $7,723 First Quarter 2017 Data for Comparison Interval Policy Count % of Total Policies Total State % of Total Average $ % $552, % $912 $ % $745, % $3,674 $ % $984, % $6,935 $ % $1,512, % $14,004 $ % $1,769, % $32,763 $ % $1,196, % $70,398 $ % $610, % $122,165 $ % $1,417, % $472,473 Total 1, % $8,789, % $7,731 Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 7
10 Residual Market Top 10 Classification Codes by Policy Count First Quarter Data Reported through March 31, 2018 The top 10 governing class codes by total policy count policies issued by Servicing Carriers and Direct Assignment Carriers in this state as of the date listed above. Rank Code Description Policy Count % of Policies Farm: Field Crops & Drivers % Trucking: NOC-All Employees & Drivers % Farm: Cattle or Livestock Raising NOC & Drivers % Carpentry Construction of Residential Dwellings Not Exceeding Three Stories in Height % Firefighters & Drivers - Volunteer % Tree Pruning Spraying Repairing Trimming or Fumigating & Drivers % Roofing-All Kinds & Drivers % Clerical Office Employees NOC % Building or Property Management-All Other Employees % Janitorial Services by Contractors-No Window Cleaning Above Ground Level & Drivers % Residual Market Top 10 Classification Codes by Volume First Quarter Data Reported through March 31, 2018 The top 10 governing class codes by premium volume written on total policies issued by Servicing Carriers and Direct Assignment Carriers in this state as of the date listed above. % of Rank Code Description Trucking: NOC-All Employees & Drivers $759, % Farm: Field Crops & Drivers $456, % Concrete or Cement Work- Floors Driveways Yards or Sidewalks-& Drivers $392, % Storage Warehouse-Cold $265, % Farm: Cattle or Livestock Raising NOC & Drivers $258, % Automobile Service or Repair Center & Drivers $254, % Freight Handling NOC $240, % Taxicab Co.: All Other Employees & Drivers $194, % Grain Elevator Operation & Local Managers Drivers $185, % Fertilizer Mfg. & Drivers $177, % Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 8
11 Glossary of Terms Applications Bound The applications that are actually assigned to a Servicing Carrier or Direct Assignment Carrier (if applicable). Earned or s Earned That portion of written premiums applicable to the expired portion of the time for which the insurance was in effect. When used as an accounting term, premiums earned describes the premiums written during a period, plus the unearned premiums at the beginning of the period, less the unearned premiums at the end of the period. Bound The total estimated annual premium on bound applications. Underwriting Gain/ (Loss) The financial statement presentation that reflects the excess of earned premium over incurred losses. In Force (Policies/) All policies and associated estimated premium that are current as of a given date. Incurred But Not Reported (IBNR) Pertaining to losses where the events that will result in a loss, and eventually a claim, have occurred, but have not yet been reported to the insurance company. The term may also include bulk reserves for estimated future development of case reserves. Loss Ratio The ratio of total incurred losses to total earned premiums in a given period, expressed as a percentage. The formula for loss ratio is (loss + loss adjustment expense)/earned premium. Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. 9
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