In Texas, the average premium for each $100 of payroll dropped from $2.32 in 2003 to $0.86 in 2015. The fact that fewer employees are filing workers’ compensation claims (a 28% drop since 2004) has also contributed to the decline in premium costs. Non-fatal injury rates are also down 46% since 2005, an indication that employers are making workplaces safer. “With premium costs down more than 60%, more employers have opted to provide workers’ compensation insurance, which means financial resources are there for injured employees when they need help the most,” said Texas Commission of Workers’ Compensation Ryan Brannan. “And in Texas, employees...are getting better care.” In Texas, more injured employees are back at work within 6 months of injury, and the average number of days off work has decreased by more than 30% since 2005.