Commercial crime rate filings in California (2026)
Every carrier writing commercial crime coverage in California files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial crime quote in California. This page tracks the 72 active commercial crime filing(s) on record for California, filed by 34 distinct carrier(s).
Commercial crime 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 commercial crime 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 commercial crime premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial crime filings on record in California include ALLIED WORLD ASSURANCE COMPANY (U.S.) INC., ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY, AMERICAN ASSOCIATION OF INSURANCE SERVICES, ARCH INSURANCE COMPANY, ATLANTIC SPECIALTY INSURANCE COMPANY, CINCINNATI INSURANCE COMPANY (THE), GUARANTEE COMPANY OF NORTH AMERICA USA (THE), HARCO NATIONAL INSURANCE COMPANY, MITSUI SUMITOMO INSURANCE USA INC., NOVA CASUALTY COMPANY, PREFERRED PROFESSIONAL INSURANCE COMPANY, ACCREDITED SURETY AND CASUALTY COMPANY, INC., and 22 more. Disclosed rate changes among these filings range from -17% to 4.6%. The most-recent commercial crime 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 |
|---|---|---|---|---|
| Crime | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #DRWN-G135059002 |
| Crime | CA | 0% overall rate change (filed) | Jan 1, 2026 | SERFF #HNVR-G134994431 |
| Crime | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #AMAX-G134896938 |
| Crime | CA | 0% overall rate change (filed) | Jan 1, 2026 | SERFF #AMAX-G134852291 |
| Crime | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #AMAX-G134896937 |
| Crime | CA | 0% overall rate change (filed) | Jan 1, 2026 | SERFF #AICO-G135044830 |
| Crime | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #BEAC-134962995 |
| Crime | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #CNNA-134968845 |
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.
ALLIED WORLD ASSURANCE COMPANY (U.S.) INC. filed 26-1740 effective January 2026 (active). ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY filed 26-1106 effective January 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed 26-443 effective January 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed 26-223 effective January 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed 26-466 effective January 2026 (active). ARCH INSURANCE COMPANY filed 26-1508 effective January 2026 (active). ATLANTIC SPECIALTY INSURANCE COMPANY filed 26-878 effective January 2026 (active). CINCINNATI INSURANCE COMPANY (THE) filed 26-1153-B effective January 2026 (active). CINCINNATI INSURANCE COMPANY (THE) filed 26-491-B effective January 2026 (active). GUARANTEE COMPANY OF NORTH AMERICA USA (THE) filed 26-1725 effective January 2026 (active). HARCO NATIONAL INSURANCE COMPANY filed 26-1357 effective January 2026 (active). MITSUI SUMITOMO INSURANCE USA INC. filed 26-179-A effective January 2026 (active). NOVA CASUALTY COMPANY filed 26-1657 effective January 2026 (active). PREFERRED PROFESSIONAL INSURANCE COMPANY filed 26-482 effective January 2026 (active). ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed MRTN-134498964 effective October 2025 (active). MARKEL INSURANCE COMPANY filed MRKB-134572388 effective July 2025 (active). ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed MRTN-134404339 effective March 2025 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134414796 effective February 2025 (active). ALASKA NATIONAL INSURANCE COMPANY filed 25-1511 effective January 2025 (active). ALLIED WORLD ASSURANCE COMPANY (U.S.) INC. filed 25-2297 effective January 2025 (active). ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY filed 25-1999 effective January 2025 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed 25-1576 effective January 2025 (active). AMGUARD INSURANCE COMPANY filed 25-1107 effective January 2025 (active). ATLANTIC SPECIALTY INSURANCE COMPANY filed 25-2377 effective January 2025 (active). AXIS INSURANCE COMPANY filed 25-2535 effective January 2025 (active). BERKLEY INSURANCE COMPANY filed 25-2218 effective January 2025 (active). DEVELOPERS SURETY AND INDEMNITY COMPANY filed 25-1373 effective January 2025 (active). EVEREST NATIONAL INSURANCE COMPANY filed 25-2041 effective January 2025 (active). EVEREST NATIONAL INSURANCE COMPANY filed 25-2051 effective January 2025 (active). INSURANCE SERVICES OFFICE, INC. filed 25-2492 effective January 2025 (active).
Commercial crime is rated from each carrier's filed base rates and rating rules applied to your California operation's classification and exposure — the filings below are the primary-source record behind those rates.
Quotes from 10+ carriers · Licensed agent followup
5 quick questions · No phone calls · No SSN required
Key takeaways for California commercial crime
- California commercial crime 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 commercial crime 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 commercial crime rates differ for your specific operation.
Get a real California commercial crime quote
These filings are the regulator-held record — your actual commercial crime 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 commercial crime insurance costs →Go deeper on commercial crime
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.