Businessowners (BOP) rate filings in California (2026)
Every carrier writing businessowners (bop) coverage in California files its rates and rating rules with the state's insurance regulator — the primary-source records behind every businessowners (bop) quote in California. This page tracks the 47 active businessowners (bop) filing(s) on record for California, filed by 16 distinct carrier(s).
Businessowners (BOP) rate filings in California are reviewed by the California Department of Insurance. The governing authority is California Insurance Code §1631 et seq. (licensing) · Labor Code §3700 (WC mandatory). You can confirm any California carrier or agent is licensed with the state's license-lookup tool. A businessowners (bop) premium in California is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two California businesses with the same profile can be quoted very different businessowners (bop) premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with businessowners (bop) filings on record in California include AMERICAN ZURICH INSURANCE COMPANY, BEAZLEY INSURANCE COMPANY, INC., EMPLOYERS MUTUAL CASUALTY COMPANY, FEDERAL INSURANCE COMPANY, MITSUI SUMITOMO INSURANCE USA INC., NATIONAL FIRE INSURANCE COMPANY OF HARTFORD, OREGON MUTUAL INSURANCE COMPANY, ST. PAUL MERCURY INSURANCE COMPANY, ACE PROPERTY AND CASUALTY INSURANCE COMPANY, CALIFORNIA CAPITAL INSURANCE COMPANY, INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA (THE), MASSACHUSETTS BAY INSURANCE COMPANY, and 4 more. Disclosed rate changes among these filings range from -0.6% to 26.3%. The most-recent businessowners (bop) filing we track for California is effective January 2026. Every row below cites its filing reference so the California regulator record can be verified.
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.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| BOP | CA | 6.2% overall rate change (filed) | Jan 1, 2026 | SERFF #ZURC-134977369 |
| BOP | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #BEAZ-135007460 |
| BOP | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #EMCC-134996649 |
| BOP | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #ACEH-134823147 |
| BOP | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #ACEH-134799252 |
| BOP | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #MRTN-134761549 |
| BOP | CA | 9.5% overall rate change (filed) | Jan 1, 2026 | SERFF #CNAB-135072060 |
| BOP | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #ORMU-134962483 |
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.
California filing notices for businessowners (bop)
California does not file through SERFF — it publishes its own public notices. In the CA DOI's public filing notices we count 2227 filings from 260 carriers for this line family — e.g. ACCD-G134475148, ACEH-132633273, ACEH-132652402, ACEH-132668898, ACEH-132669984, ACEH-132686773 (identifiers verbatim from the notices).
Filing activity from the state's own public record — not a price or a rate.
AMERICAN ZURICH INSURANCE COMPANY filed 26-1258-B effective January 2026 (active). BEAZLEY INSURANCE COMPANY, INC. filed 26-1296 effective January 2026 (active). EMPLOYERS MUTUAL CASUALTY COMPANY filed 26-1139 effective January 2026 (active). FEDERAL INSURANCE COMPANY filed 26-123 effective January 2026 (active). FEDERAL INSURANCE COMPANY filed 26-92 effective January 2026 (active). MITSUI SUMITOMO INSURANCE USA INC. filed 26-177-A effective January 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-1756-B effective January 2026 (active). OREGON MUTUAL INSURANCE COMPANY filed 26-890 effective January 2026 (active). ST. PAUL MERCURY INSURANCE COMPANY filed 26-555-D effective January 2026 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed 25-1168-A effective January 2025 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed 25-2315-A effective January 2025 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed 25-2415-A effective January 2025 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed 25-1744-A effective January 2025 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed 25-884-A effective January 2025 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed 25-678-A effective January 2025 (active). AMERICAN ZURICH INSURANCE COMPANY filed 25-2099 effective January 2025 (active). BEAZLEY INSURANCE COMPANY, INC. filed 25-2079 effective January 2025 (active). BEAZLEY INSURANCE COMPANY, INC. filed 25-195 effective January 2025 (active). CALIFORNIA CAPITAL INSURANCE COMPANY filed 25-901 effective January 2025 (active). CALIFORNIA CAPITAL INSURANCE COMPANY filed 25-1735 effective January 2025 (active). EMPLOYERS MUTUAL CASUALTY COMPANY filed 25-1026 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-266 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-451 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-9 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-335 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-727 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-1992 effective January 2025 (active). FEDERAL INSURANCE COMPANY filed 25-1795 effective January 2025 (active). INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA (THE) filed 25-1561-B effective January 2025 (active). MASSACHUSETTS BAY INSURANCE COMPANY filed 25-1848-A effective January 2025 (active).
A Businessowners Policy bundles general liability and commercial property into one package for smaller California businesses — usually the most cost-effective way to cover both exposures at once.
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Key takeaways for California businessowners (bop)
- California businessowners (bop) rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual California businessowners (bop) premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how California businessowners (bop) rates differ for your specific operation.
Get a real California businessowners (bop) quote
These filings are the regulator-held record — your actual businessowners (bop) premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free California quote in under 90 seconds.
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Figures summarized here are drawn from public California Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.