Commercial property rate filings in California (2026)
Every carrier writing commercial property coverage in California files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial property quote in California. This page tracks the 131 active commercial property filing(s) on record for California, filed by 24 distinct carrier(s).
Commercial property 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 property 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 property premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial property filings on record in California include MARKEL AMERICAN INSURANCE COMPANY, NEXT INSURANCE US COMPANY, HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY (THE), TRAVELERS INDEMNITY COMPANY OF CONNECTICUT (THE), ARCH INSURANCE COMPANY, FIRST LIBERTY INSURANCE CORPORATION (THE), CHUBB INDEMNITY INSURANCE COMPANY, NATIONWIDE AGRIBUSINESS INSURANCE COMPANY, NATIONWIDE GENERAL INSURANCE COMPANY, MARKEL INSURANCE COMPANY, NATIONWIDE MUTUAL INSURANCE COMPANY, NATIONWIDE INSURANCE COMPANY OF AMERICA, and 12 more. Disclosed rate changes among these filings range from -14.6% to 19.3%. The most-recent commercial property filing we track for California is effective July 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, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Property | CA | filing on record (magnitude not publicly disclosed) | Jul 17, 2026 | MRKB-135010702 |
| Property | CA | 0% overall rate change (filed) | May 22, 2026 | NXUS-134864137 |
| Property | CA | -7.8% overall rate change (filed) | Mar 13, 2026 | HSTB-134803064 |
| Property | CA | filing on record (magnitude not publicly disclosed) | Mar 6, 2026 | TRVD-134826234 |
| Property | CA | filing on record (magnitude not publicly disclosed) | Jan 30, 2026 | AICO-G134713481 |
| Property | CA | filing on record (magnitude not publicly disclosed) | Dec 5, 2025 | LWCM-134754639 |
| Property | CA | 0% overall rate change (filed) | Nov 14, 2025 | AICO-134707766 |
| Property | CA | filing on record (magnitude not publicly disclosed) | Nov 14, 2025 | HSTB-134707752 |
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.
MARKEL AMERICAN INSURANCE COMPANY filed MRKB-135010702 effective July 2026 (active). NEXT INSURANCE US COMPANY filed NXUS-134864137 effective May 2026 (active). HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY (THE) filed HSTB-134803064 effective March 2026 (active). TRAVELERS INDEMNITY COMPANY OF CONNECTICUT (THE) filed TRVD-134826234 effective March 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134713481 effective January 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134754639 effective December 2025 (active). ARCH INSURANCE COMPANY filed AICO-134707766 effective November 2025 (active). HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY (THE) filed HSTB-134707752 effective November 2025 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134650592 effective September 2025 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134634858 effective August 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134621855 effective August 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134581764 effective July 2025 (active). NATIONWIDE GENERAL INSURANCE COMPANY filed NWPP-134598643 effective July 2025 (active). NATIONWIDE GENERAL INSURANCE COMPANY filed NWPP-134499863 effective May 2025 (active). ARCH INSURANCE COMPANY filed AICO-134494207 effective April 2025 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134489568 effective April 2025 (active). MARKEL INSURANCE COMPANY filed MRKB-134499700 effective April 2025 (active). ARCH INSURANCE COMPANY filed AICO-134431627 effective March 2025 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134456835 effective March 2025 (active). ARCH INSURANCE COMPANY filed AICO-134431647 effective March 2025 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134450721 effective March 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134378719 effective March 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134371579 effective February 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134395834 effective February 2025 (active). NATIONWIDE GENERAL INSURANCE COMPANY filed NWPP-134367506 effective January 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134352811 effective December 2024 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134323963 effective November 2024 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134310216 effective November 2024 (active). MARKEL AMERICAN INSURANCE COMPANY filed MRKB-134311024 effective November 2024 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134276094 effective October 2024 (active).
Commercial property covers a California business's own building, equipment, and inventory against fire, theft, and other physical loss. It is rated on insured value, construction type, and protection class.
Across California, commercial property carriers earned about $2.9B in premiums at a 32.7% loss ratio and a 38.4% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how commercial property actually performs in California, beyond any single carrier's filing.
Key takeaways for California commercial property
- California commercial property 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 property 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 property rates differ for your specific operation.
Get a real California commercial property quote
These filings are the regulator-held record — your actual commercial property 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.