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View complete article: The American Workers' Compensation System and NCCI: A Long and Successful History 
NCCI is proud to have played a key role in the evolution and history of America's successful workers compensation system; a unique benefit that offers the best method for addressing injuries in the workplace.
When it was first introduced a century ago, workers compensation insurance was a relatively radical idea for American workplaces. As the American economy moved increasingly from agriculture-based to industry-based, it became increasingly necessary to find a comprehensive method for dealing with the costs of on-the-job injuries. States realized that employees could not be expected to have to sue their employers for compensation. And employers needed to have a means of protecting themselves from the unknown costs of such lawsuits.
Soon, a total of nine states began adopting laws requiring companies to compensate workers for on-the-job injuries in exchange for workers generally giving up the right to sue. By 1948, every state in the country had enacted a workers compensation system, including two territories, Alaska and Hawaii, which would soon become states.
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