CWCI: Claims Down, Losses Up for Private Self-Insured Employers

Private self-insured employers reported fewer claims in 2025, but initial data shows signs of rising claim costs, the California Workers' Compensation Institute said. The 84,996 claims reported last year were down 2.7% from 2024 and 18.5% below the 2022 peak, when thousands of COVID-19 claims pushed the total claim tally to 104,278. Claim frequency among private self-insured employers fell to 3.83 claims per 100 employees last year from 3.88 claims per 100 employees in 2024. The frequency rate in 2025 was the lowest since 2020, CWCI said, adding that both indemnity and medical-...