I'm not sure I trust Horrace's data here at all. He may be misinterpreting some info.
The claims you are talking about, are you meaning claims that actually went to the insurance company? Or are you including the self-insured ones that were below $250k? Because I find it VERY had to beleive there were only 4 medical claims in one year, with all the props biting fingers and all...
Can you define your terms, here?