2025 YEAR-END

State of the Line Report

An in-depth review of 2025 claim outcomes and what we’re watching in 2026 and beyond.

INTRODUCTION

A message from Max

As the industry’s leading solutions provider, Sedgwick leverages the depth and breadth of its data to deliver sophisticated benchmarking and analysis. This intelligence helps surface emerging trends, isolate cost drivers and track performance with precision. How we translate that insight into actionable guidance for clients and partners remains a key differentiator.



Litigation continues to play a growing role in casualty claim outcomes, while evolving leave and disability regulations add complexity to claims and care. At the same time, property claims are entering a period of heightened and more dynamic risk. In this environment, timely insight is more critical than ever. Our reports provide a clear view of the metrics shaping today’s claim programs and place those results within the broader industry context, including litigation trends we actively monitor and work to stay ahead of on behalf of our clients. Drawing on perspectives from Sedgwick’s expert practice leaders, these reports offer both a look back at the prior period and a forward view of the issues and risks to watch in the months ahead.

How we use our robust bank of data to benefit our clients and partners is one of our many differentiators. Thank you for your continued business partnership. We look forward to continuing to bring you additional data driven insights.

Max Koonce

Chief Claims Officer, Sedgwick

While the report can offer useful information for your organization, it is not meant to be used as a side-by-side comparison with the data from your particular claims program.

© 2026 Sedgwick