California commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in California must file their loss costs + rating values with the California Department of Insurance. Those filings are primary-source, government-held records — the actual numerical inputs that drive every commercial quote in the state. Below: every recent active rate filing affecting California commercial operations, with the SERFF tracking number linking to the public regulator record.
California's primary workers' comp rate bureau
WCIRB California — the Workers' Compensation Insurance Rating Bureau of California is an independent advisory rating organization, not NCCI. WCIRB files loss costs separately and is licensed by the California Department of Insurance.
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 | CA | per $100 payroll (CA pure premium rate, low-wage tier) | Sep 1, 2025 | WCIRB-CA-2025-09-5474 |
| WC | CA | per $100 payroll (CA pure premium rate) | Sep 1, 2025 | WCIRB-CA-2025-09-0005 |
| WC | CA | per $100 payroll (CA pure premium rate, low-wage tier) | Sep 1, 2025 | WCIRB-CA-2025-09-5183 |
| WC | CA | per $100 payroll (CA pure premium rate) | Sep 1, 2025 | WCIRB-CA-2025-09-7207 |
| WC | CA | per $100 payroll (CA pure premium rate) | Sep 1, 2025 | WCIRB-CA-2025-09-8001 |
| WC | CA | per $100 payroll (CA pure premium rate) | Sep 1, 2025 | WCIRB-CA-2025-09-9403 |
| WC | CA | per $100 payroll (CA pure premium rate) | Sep 1, 2025 | WCIRB-CA-2025-09-7219 |
| WC | CA | per $100 payroll (CA pure premium rate, low-wage tier) | Sep 1, 2025 | WCIRB-CA-2025-09-5467 |
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.
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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.
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