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 11 active businessowners (bop) filing(s) on record for California, filed by 9 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 NATIONAL FIRE INSURANCE COMPANY OF HARTFORD, NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA, OREGON MUTUAL INSURANCE COMPANY, ST. PAUL MERCURY INSURANCE COMPANY, AMERICAN ZURICH INSURANCE COMPANY, CALIFORNIA CAPITAL INSURANCE COMPANY, FIREMAN'S FUND INSURANCE COMPANY, INSURANCE COMPANY OF NORTH AMERICA, MIDDLESEX INSURANCE COMPANY. Disclosed rate changes among these filings range from -0.1% to 26.3%. The most-recent businessowners (bop) filing we track for California is effective January 2025. 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, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| BOP | CA | 25.9% overall rate change (filed) | Jan 1, 2025 | CNAB-134439085 |
| BOP | CA | 20% overall rate change (filed) | Jan 1, 2025 | AGNY-134639645 |
| BOP | CA | 26.3% overall rate change (filed) | Jan 1, 2025 | ORMU-134525955 |
| BOP | CA | 14.9% overall rate change (filed) | Jan 1, 2025 | TRVD-134564667 |
| BOP | CA | 6.7% overall rate change (filed) | Jan 1, 2024 | ZURC-133929853 |
| BOP | CA | 13.9% overall rate change (filed) | Jan 1, 2024 | CIGI-134213518 |
| BOP | CA | -0.1% overall rate change (filed) | Jan 1, 2024 | FFDC-134095069 |
| BOP | CA | 17.3% overall rate change (filed) | Jan 1, 2024 | ACEH-134253130 |
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.
NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 25-420-B effective January 2025 (active). NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA filed 25-2066 effective January 2025 (active). OREGON MUTUAL INSURANCE COMPANY filed 25-1001 effective January 2025 (active). ST. PAUL MERCURY INSURANCE COMPANY filed 25-1289-D effective January 2025 (active). AMERICAN ZURICH INSURANCE COMPANY filed 24-46-A effective January 2024 (active). CALIFORNIA CAPITAL INSURANCE COMPANY filed 24-1790 effective January 2024 (active). FIREMAN'S FUND INSURANCE COMPANY filed 24-996 effective January 2024 (active). INSURANCE COMPANY OF NORTH AMERICA filed 24-2098-E effective January 2024 (active). MIDDLESEX INSURANCE COMPANY filed 24-276-A effective January 2024 (active). NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA filed 24-1671 effective January 2024 (active). OREGON MUTUAL INSURANCE COMPANY filed 24-988 effective January 2024 (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.
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.
Get a free California quote → See what businessowners (bop) insurance costs →Go deeper on businessowners (bop)
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.