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Risk & Insurance Article

Is Workers’ Comp’s Golden Era Transitioning to a New Normal? Three Threats that Could Reshape the Market

Workers’ compensation has enjoyed a prolonged period of profitability, but new challenges may be on the horizon. In this Risk & Insurance article, Enlyte’s Dave Torrence discusses key threats facing the market, including rising medical costs, workforce changes and economic pressures that could reshape claims, profitability and risk strategies in the years ahead.
Business Insurance Article

Business Insurance Video: Comp Spotlight with Dave Torrence

Watch Dave Torrence on Business Insurance’s Comp Spotlight as he discusses findings from the 2026 Enlyte Envision Trends Report, including rising claim severity, medical complexity, workforce shifts, and strategies to improve workers' comp and auto claim outcomes.
Auto Casualty Article

Auto Casualty Claims

8 MIN READ

First-party automobile medical claims reflect a market that is beginning to demonstrate measurable cost discipline after several years of steady severity growth. Following increases in allowed medical cost per claimant from 2022 through 2024, the 2025 loss year marks the first year-over-year decline in allowed cost per claimant, decreasing 0.6% from the prior year.
Enlyte Article

Behavioral Health Trends in Workers’ Compensation

3 MIN READ

This study looked at all lost-time (LT) claims with dates of injury 1/1/2025–12/31/2025, valued at 15 months (3/31/2026) to determine the impact of behavioral health treatments on the costs of a workers’ compensation claim. We looked at the impact of behavior health treatments (identified by diagnosis and/or CPT treatment codes) on the total medical costs of claims, the total medical treatment duration days, and the frequency of the different types of behavioral health diagnoses.
Enlyte Article

Workers’ Compensation Medical Claims

8 MIN READ

Medical severity — not overall claim frequency — emerges as the defining trend across the 2022–2025 loss years. Enlyte data is consistent with NCCI and WCRI reporting, overall workers’ compensation claim frequency remains flat to declining nationally. The notable change within this dataset is not the number of claims occurring across the system, but rather how medical services are being delivered, accessed, and utilized within existing claims.
Enlyte Article

Macro Signals: Workers’ Compensation and Personal Auto

16 MIN READ

Workers’ compensation continues to be one of the P&C industry’s most consistent underwriting success stories, supported by sustained operational discipline rather than short‑term tailwinds.
Enlyte Article

Macro Signals: State of the P&C Industry

7 MIN READ

Claims management does not operate in isolation. It responds to — and reflects — broader economic, legal and structural forces shaping the insurance market. Pricing cycles, inflationary pressures, labor dynamics, medical cost trends, litigation patterns and capital market performance all converge to influence loss ratios and operational strategy.
Auto Casualty Article

What’s Driving P&C Executive Decision-Making in 2026

6 MIN READ

Casualty and workers’ comp executives continue to face evolving economic, regulatory and claim challenges in 2026. Enlyte CEO Alex Sun discusses these issues and explains why P&C leaders who incorporate solutions based on disciplined execution, data and AI, are best equipped to protect margins and improve outcomes.

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