Every commercial insurance rate change is filed publicly with a state Department of Insurance through SERFF (System for Electronic Rate and Form Filing). This tracker is the chronological feed of captured filings β each entry links back to the primary-source filing with its SERFF tracking number. Phase 1 (active 2026-05-31): we've captured a starter set of 12 filings across 11 states and 2 lines of business. Expanding to 3-5 states Γ 2 lines Γ top 10 carriers (~80-100 filings) as the mining workflow scales. To learn how rates are actually built from filings, see our authority explainer.
Rate filings are the truth-source for commercial insurance pricing. Carriers don't publish their rates on their websites; they file them with each state's DOI, where they become public records via SERFF Filing Access. This tracker is the human-readable, chronologically ordered view of the filings we've captured β every entry has a SERFF tracking number you can verify directly. Source feed: System for Electronic Rate and Form Filing (SERFF), public-access portal at filingaccess.serff.com. Captured filings stored in the Get Business Coverage Rate Filing Index per RATE-FILING-DATA-LAYER methodology.
captured + verified
filings captured to date
WC / GL / commercial auto
recently added
Recent rate filings (live feed)
Filings ordered by effective date, newest first. Each row links to the primary-source SERFF filing β click any tracking number to verify against the state DOI directly.
| Effective | Carrier | State | Line | Class | Base rate | SERFF # |
|---|---|---|---|---|---|---|
| Jul 2026 | National Council on Compensation Insurance (NCCI) | TX | Workers Compensation | BUREAU-WIDE Voluntary loss cost filing — overall -3.8% across all NCCI Texas classes (effective July 1, 2026) |
β | NCCI-134745334 |
| Apr 2026 | North Carolina Rate Bureau (NCRB) | NC | Workers Compensation | BUREAU-WIDE Loss cost filing — Industrial Classifications -7.8% / Federal Classifications -12.8% (eff 4/1/2026) |
β | NCRB-NC-2026-LC |
| Mar 2026 | National Council on Compensation Insurance (NCCI) | AL | Workers Compensation | BUREAU-WIDE Loss cost + assigned risk filings — voluntary -4.5% loss cost / -3.6% assigned risk (eff 3/1/2026) |
β | NCCI-AL-2026-LC-AR |
| Mar 2026 | National Council on Compensation Insurance (NCCI) | TN | Workers Compensation | BUREAU-WIDE Loss cost + assigned risk filings — voluntary -2.0% loss cost / -1.1% assigned risk (eff 3/1/2026) |
β | NCCI-TN-2026-LC-AR |
| Mar 2026 | National Council on Compensation Insurance (NCCI) | GA | Workers Compensation | BUREAU-WIDE Loss cost and assigned risk rate filings — overall -8.8% voluntary loss cost decrease, -9.3% assigned risk rate decrease (effective March 1, 2026) |
β | NCCI-GA-2026-LC-AR |
| Jan 2026 | Indiana Compensation Rating Bureau (ICRB) | IN | Workers Compensation | BUREAU-WIDE Advisory loss cost + advisory rate + assigned risk — -6.1% loss cost / -5.8% advisory rate / -5.8% assigned risk (eff 1/1/2026) |
β | ICRB-IN-2026-CIRC-2025-08 |
| Jan 2026 | National Council on Compensation Insurance (NCCI) | MD | Workers Compensation | BUREAU-WIDE Advisory loss cost filing — voluntary -12.3% loss cost decrease (eff 1/1/2026) |
β | NCCI-MD-2026-LC |
| Jan 2026 | National Council on Compensation Insurance (NCCI) | CO | Workers Compensation | 5645 Carpentry — Construction of Residential Dwellings Not Exceeding Three Stories in Height (Industry Group: Contracting; Hazard Group G) |
$1.99 per $100 payroll (advisory loss cost; carriers apply their own LCM) |
NCCI-134620513 |
| Jan 2026 | National Council on Compensation Insurance (NCCI) | FL | Workers Compensation | BUREAU-WIDE Voluntary rate filing — overall -6.9% across all NCCI Florida classes (effective January 1, 2026; 9th consecutive year of decreases) |
β | FLOIR-NCCI-2026-FL-WC |
| Jan 2026 | National Council on Compensation Insurance (NCCI) | CT | Workers Compensation | BUREAU-WIDE Voluntary loss costs and assigned risk rates — overall -3.8% voluntary, -0.4% assigned-risk (effective January 1, 2026) |
β | CTID-NCCI-2026-CT-WC |
| Jan 2026 | National Council on Compensation Insurance (NCCI) | IL | Workers Compensation | BUREAU-WIDE Advisory rate + loss cost + assigned risk — voluntary -0.1% advisory rate / -1.2% loss cost / +0.8% assigned risk (eff 1/1/2026) |
β | NCCI-IL-2026-LC-AR |
| Nov 2025 | Texas Automobile Insurance Plan Association (TAIPA) | TX | Commercial Auto | TRUCKS-A Trucks, Tractors, Trailers — Rate Group A (Not Zone Rated) — Territory 1 (urban high-density) |
$561.00 per vehicle annual (Bodily Injury Liability) |
TAIPA-2025-CA-9419 |
How we capture and verify filings
Every entry in the tracker passes the same primary-source verification workflow before publishing:
- SERFF Filing Access lookup. A researcher pulls the filing PDF directly from the state DOI portal at filingaccess.serff.com, confirming the tracking number, carrier NAIC code, line of business, and proposed effective date.
- PDF extraction. Base rates, class codes, LCMs (when present), and territory definitions are extracted from the filing PDF β typically the A-Sheets (rate tables) plus the actuarial memorandum. We work from the actual filed document, not summaries.
- Rate Filing Index entry. Verified data is written to the GBC Rate Filing Index (database) with SERFF tracking #, FilingAccessUrl back to the primary source, captured-at timestamp, and captured-by attribution.
- Public surface. Entries appear in this tracker ordered by effective date. Each row links back to the source filing so any reader can independently verify the underlying document.
Filings reach "superseded" status when a newer filing for the same Carrier Γ State Γ Line Γ Class is captured. The tracker surfaces live + recently-effective filings; superseded entries fall out of the default view. See our methodology page for the full sourcing standards.
How to read an entry (and verify it yourself)
Each row in the feed surfaces six fields. Here's what each means and how to verify it against the primary source:
- Effective β the month / year the filed rate takes effect for new and renewal policies in that state. Set by the carrier or rating bureau and approved (or modified) by the state DOI.
- Carrier β the filing entity. For bureau filings this is NCCI or ISO; for individual carrier rate manuals it's the specific carrier (e.g. "Hartford Casualty Insurance Co"). Each carrier has a NAIC code (4-5 digits) attached to the filing.
- State β two-letter state code where the filing is approved + in force. Rate filings are state-by-state; the same carrier can file very different rates across states.
- Line β the line of business (workers compensation, commercial auto, general liability, etc.). State DOIs categorize filings under standard line-of-business codes.
- Class β the rating-bureau class code for which this rate applies. For workers comp, NCCI class codes (e.g. 5645 = Carpentry residential); for GL, ISO class codes; for commercial auto, vehicle / use combinations.
- Base rate β the filed rate per unit of exposure. Workers comp = $X per $100 payroll; GL = $X per $1,000 sales (most classes); commercial auto = $X per vehicle-year. This is the starting point β your actual premium adds the carrier's filed LCM, schedule rating, experience mod, and any state-specific factors.
- SERFF # β the official filing tracking number. Click through to verify the entry against the primary-source PDF.
For the full mechanics of how filed rates flow into your actual premium, see our explainer: How Insurance Rates Are Set: Loss Costs, LCMs, Premiums.
Frequently Asked Questions
How often is the tracker updated?
The tracker reflects the latest state of our Rate Filing Index β every captured filing appears in the feed as soon as it's verified and added to the database. During Phase 1 (active 2026-05-31), capture is manual and runs on the cadence of our mining workflow; we expect new entries to land in batches as the workflow proceeds across the 3-5 priority states Γ 2 lines Γ top 10 carriers per the audit-defined plan.
Why is the feed so short right now?
SERFF filings are PDF-heavy and per-state β there's no clean national API. Phase 1 of our capture program targets ~80-100 high-priority filings (3-5 states Γ 2 lines Γ top 10 carriers) and runs manually. The entries you see today are verified against primary-source SERFF documents; expect the feed to grow as the workflow scales. Per our methodology, we'd rather publish a small set of verified filings than a large set of unverified ones.
Are these the only rate filings out there?
No β every commercial line in every state has filings going back years. Our tracker surfaces the filings we've captured and verified, not the universe of all filings. To search the universe directly, visit SERFF Filing Access for any state + line + date range.
Is the base rate the price I'll pay?
No. The filed base rate (also called the loss cost for NCCI / ISO filings) is the actuarial starting point. Your final premium includes the carrier's filed Loss Cost Multiplier (typical 1.20-1.50 for small business), schedule rating (Β±25%), experience modifier (your loss history), and any state-specific surcharges. For the full mechanics see How Insurance Rates Are Set.
How is this different from a rate comparison engine?
A comparison engine quotes you across multiple carriers in real time. This tracker is upstream of that β it surfaces the regulator-filed rates that all carrier quotes are built from. The comparison engine tells you what carriers will charge YOU; the tracker tells you what's filed publicly with state DOIs as the actuarial floor. They answer different questions.
Can I be notified when a new filing lands?
Not yet β RSS/email alerts are on the roadmap. For now, the page itself is the notification surface; bookmark it and check the top of the feed for new entries. If you want a specific carrier or state monitored, we can prioritize it in the mining workflow β reach out via our contact page.
What's the difference between this and the contractor-insurance page's rate filings?
The contractor pillar (/learn/contractor-insurance#filed-rates) cites specific filings inline as evidence for contractor pricing. This tracker is the chronological feed of ALL captured filings across every line and state. Same underlying Rate Filing Index; different views of the same data.