Celent and Conning have partnered to produce a comprehensive look at the business and financial trends impacting workers compensation insurance, and the technologies that are being used to transform the business. At a time when combined ratios are on a long march upward across the insurance industry, the workers’ comp business is posting enviable financial results. But with clouds on the horizon, it behooves carriers – whether monoline or those who sell workers’ comp as part of a larger product mix – to invest in technology now in order to realize efficiencies if financial fortunes change.