The National Council on Compensation Insurance (NCCI) published a new report that compares regional differences in claim frequency, severity, and overall cost between Florida, Illinois, and Texas, the three biggest regions by population that NCCI monitors.

The study distinguishes between single-region policies where all employer business locations are in one region and multi-region policies, where employers have business locations in two or more regions within the state.

Significant regional variations exist within each state for claim frequency, severity, and overall costs. However, the report found that frequency and severity do not reliably predict costs, and that no single factor explains regional differences.

The report did note that multi-region policies tend to have higher overall costs than single-region policies.

Factors that may have influenced regional deviations include:

• Attorney involvement
• Industry mix
• Workforce composition
• Injury type

Understanding these patterns helps stakeholders make informed decisions on provider access, injury prevention strategies, and deliver timely care where it is needed most.