California commercial insurance rate filings (2026)

Every commercial-insurance carrier writing business in California files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in California. This page summarizes the 1309 active filings we track for California across 13 line(s) of business and 10 classification(s).

Across the California Workers Compensation filings we track, filed rates range from $0.20 to $11.33 per $100 of payroll, filed by 61 distinct carrier(s) or bureau(s). The lines we track are Commercial Auto, Commercial General Liability, Commercial Property, Inland Marine, Commercial Multiple Peril, Product Liability, Earthquake, Fidelity, Medical Professional Liability, Commercial Crime, Workers Compensation, Surety, Businessowners Policy (BOP). Classifications tracked include NCCI class codes 0005, 5183, 5403, 5467, 5474, 7207, 7219, 8001, 8810, 9403. The most-recent California filing we track is effective July 2026. Every row below links to the filing it was taken from so the California regulator record can be verified.

Workers' Compensation covers medical bills and lost wages for California employees injured on the job — mandatory in California once you have staff. Commercial Auto covers vehicles a California business owns or operates, from liability to physical damage. General Liability covers third-party bodily-injury and property-damage claims against a California operation. Commercial Property covers a California business's own building, equipment, and inventory. A Businessowners Policy (BOP) bundles General Liability and Commercial Property for smaller California businesses.

In California, Commercial General Liability carriers earned about $15.7B in premiums at a 67% loss ratio and a -10.5% underwriting profit (NAIC 2023). In California, Workers Compensation carriers earned about $12.0B in premiums at a 41.5% loss ratio and a 16.5% underwriting profit (NAIC 2023). In California, Commercial Multiple Peril carriers earned about $6.8B in premiums at a 64.1% loss ratio and a -11.9% underwriting profit (NAIC 2023). In California, Commercial Auto carriers earned about $5.8B in premiums at a 99.1% loss ratio and a -39.5% underwriting profit (NAIC 2023). In California, Inland Marine carriers earned about $4.3B in premiums at a 47.6% loss ratio and a 19.4% underwriting profit (NAIC 2023). In California, Commercial Property carriers earned about $2.9B in premiums at a 32.7% loss ratio and a 38.4% underwriting profit (NAIC 2023). In California, Medical Professional Liability carriers earned about $1.0B in premiums at a 55.5% loss ratio and a -1.9% underwriting profit (NAIC 2023). In California, Product Liability carriers earned about $694M in premiums at a 64% loss ratio and a -20.4% 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 California, beyond the filed loss costs above.

• California filed commercial rates we track run about $0.20 to $11.33 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
• California rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
• Your actual California 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, each cited to the regulator or bureau filing it came from.

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 California 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 California quote in under 90 seconds.

California filed rates by coverage

Coverage-specific California rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:

Related California cost pages

California-specific cost guides for the verticals we cover:

California insurance profitability by line (2023 NAIC)

How profitable each commercial line runs in California — 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 →