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Workers’ Compensation is one of the most important markers to follow for anyone looking to get a sense of where the larger commercial P&C world is heading. And this year, experts are seeing worsening pricing, increasing claims severity and an improving claims frequency, all against a backdrop of regulatory uncertainty exemplified by the unpredictable aftermath of the Affordable Care Act’s implementation. It all adds up to a market that, for the year to come, seems to offer at least as many challenges as opportunities.

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