California’s workers’ compensation reforms in recent years have had a significant effect in lowering loss ratios and premiums, according to a report by the state Workers’ Compensation Insurance Review Board.

In a summary of the insurer experience as of Sept. 30, the WCIRB found that written premium for the first nine months of 2005 was $16.3 billion, roughly 10 percent lower than for the first nine months of 2004.

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