In 2026, the US Workers' Compensation insurance market faces a pivotal moment — with rising medical costs, cumulative trauma litigation and reserve adequacy concerns driving significant changes. What does this moment mean for your clients?

This year's Workers' Compensation Market Outlook delivers expert insights from RPS specialists who work in this market every day. From the impact of medical inflation and presumption laws to the growing importance of workplace safety analytics, this report equips brokers with the knowledge to guide clients toward smarter risk management and better coverage solutions.

What's Inside the 2026 Workers' Compensation Market Outlook Report

  • Medical inflation and claim severity: Discover how rising medical costs and cumulative trauma claims are reshaping the market — and what brokers can do to help clients manage these challenges.
  • Presumption laws and PTSD coverage: Explore how expanding presumption laws and evolving post-traumatic stress disorder (PTSD) coverage are impacting workers' compensation trends state by state.
  • California driving market changes: Explore how California's 127% combined loss ratio and regulatory changes are influencing nationwide trends.
  • Technology and workplace safety: See how predictive analytics, AI-powered monitoring and wearable devices are improving safety outcomes and reducing claims.
  • Creative solutions for a hardening market: Leverage alternative risk financing strategies, such as captives and self-insured groups, to improve outcomes for workers' compensation clients.

Get the Full 2026 Workers' Compensation Market Outlook

Learn what's changing, what's coming next — and how to help your clients stay ahead of the curve.

GET THE REPORT

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