The net written premiums for the workers’ compensation industry, and its share in the overall commercial lines of business, have steadily declined between 2007 and 2010. Net written premiums have plummeted 33% from $48 billion at year-end 2006 to $32 at year-end 2010. In 2011, the industry-wide loss ratio for workers’ compensation insurance in the U.S. increased to 118.1%. This is the highest l...