Alabama commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Alabama files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Alabama. This page summarizes the 37 active filings we track for Alabama across 1 line(s) of business and 37 classification(s).
How Workers' Comp rates are set in Alabama
Alabama runs a private Workers' Comp market. Rate filings are reviewed by the Alabama Department of Insurance. The governing authority is Code of Alabama Title 27 (Insurance). You can confirm any Alabama carrier or agent is licensed with the state's license-lookup tool. We track 37 distinct classification(s) for Alabama across 37 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Alabama businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
Across the Alabama filings we track, filed loss costs range from $0.07 to $5.90 per $100 of payroll, filed by 1 distinct carrier(s) or bureau(s). The lines represented are Workers Compensation. Classifications tracked include NCCI class codes 0005, 0042, 0106, 5022, 5183, 5190, 5223, 5403, 5437, 5462, 5474, 5535, 5606, 5645, 7219, 7230, 7231, 7370, 7380, 7382, 7705, 8279, 8380, 8385, 8392, 8742, 8748, 8810, 9014, 9015, 9058, 9082, 9083, 9101, 9402, 9403, 9586. The most-recent Alabama filing we track is effective March 2026. Every row below links to its SERFF tracking number so the Alabama regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Alabama employees injured on the job — mandatory in Alabama once you have staff.
In Alabama, Commercial General Liability carriers earned about $1.1B in premiums at a 61.1% loss ratio and a -2.6% underwriting profit (NAIC 2023). In Alabama, Commercial Multiple Peril carriers earned about $879M in premiums at a 52.1% loss ratio and a 4.3% underwriting profit (NAIC 2023). In Alabama, Commercial Auto carriers earned about $650M in premiums at a 71.8% loss ratio and a -12.6% underwriting profit (NAIC 2023). In Alabama, Inland Marine carriers earned about $480M in premiums at a 59.7% loss ratio and a 4.7% underwriting profit (NAIC 2023). In Alabama, Workers Compensation carriers earned about $456M in premiums at a 42.5% loss ratio and a 19.4% underwriting profit (NAIC 2023). In Alabama, Commercial Property carriers earned about $390M in premiums at a 44.7% loss ratio and a 26.8% underwriting profit (NAIC 2023). In Alabama, Medical Professional Liability carriers earned about $166M in premiums at a 55.7% loss ratio and a -23.5% underwriting profit (NAIC 2023). In Alabama, Product Liability carriers earned about $52M in premiums at a 74.8% loss ratio and a -29.2% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Alabama, beyond the filed loss costs above.
- Alabama filed commercial loss costs we track run about $0.07 to $5.90 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- Alabama rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual Alabama premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-9082 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-9083 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-9402 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-7705 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-8279 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-8380 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-9101 |
| WC | AL | per $100 payroll (advisory loss cost) | Mar 1, 2026 | AL-NCCI-2026-03-5535 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Get a real Alabama quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Alabama quote in under 90 seconds.
Get a free Alabama quote →Related Alabama cost pages
Alabama-specific cost guides for the verticals we cover:
Alabama insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Alabama — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →