Workers' Comp Commercial Insurance Policy & Renewal Data

# Insurance Xdate Workers' Compensation Intelligence Dataset

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A comprehensive, policy-level dataset of U.S. workers' compensation insurance covering commercial businesses across all active states. More than 3.5 million companies, across 40+ states. Each record represents a company's policy term and includes detailed policy attributes, pricing, carrier and agent relationships, year-over-year changes, and contact information. The dataset provides up to three years of historical policy terms per company, enabling trend analysis and competitive intelligence.

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Key data dimensions include: company demographics (name, address, FEIN, NAICS/SIC classification, employee count, payroll); policy details (carrier, carrier group, class code, premium, effective and expiration dates, experience modification rate); calculated market signals (loss cost multiplier, premium-to-payroll ratio, years between carrier switches, carrier group changes, agent/broker changes, and broker-of-record movements); safety and compliance indicators (OSHA violations, DOT fleet data); and business contact information (name, title, phone, email). Year-over-year change fields are computed for premium, payroll, experience mod, loss cost multiplier, class code, PEO status, location count, and multi-state presence, providing a built-in view of how each business's risk profile is evolving.<br/><br/>Available fields are state-dependent, see https://www.insurancexdate.com/states.php