Equipment breakdown rate filings in California (2026)
Every carrier writing equipment breakdown coverage in California files its rates and rating rules with the state's insurance regulator — the primary-source records behind every equipment breakdown quote in California. This page tracks the 12 active equipment breakdown filing(s) on record for California, filed by 9 distinct carrier(s).
Equipment breakdown 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 equipment breakdown 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 equipment breakdown premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with equipment breakdown filings on record in California include CINCINNATI INSURANCE COMPANY (THE), HARCO NATIONAL INSURANCE COMPANY, HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY OF CONNECTICUT (THE), INCLINE CASUALTY COMPANY, INCLINE NATIONAL INSURANCE COMPANY, TRANS PACIFIC INSURANCE COMPANY, GREAT AMERICAN ASSURANCE COMPANY, INSURANCE SERVICES OFFICE, INC., SOMPO AMERICA INSURANCE COMPANY. Disclosed rate changes among these filings range from 0% to 0%. The most-recent equipment breakdown 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 |
|---|---|---|---|---|
| Equip Breakdown | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #CNNA-134968860 |
| Equip Breakdown | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #CNNA-134878357 |
| Equip Breakdown | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #OCCD-135024848 |
| Equip Breakdown | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2026 | SERFF #HSTB-135050382 |
| Equip Breakdown | CA | 0% overall rate change (filed) | Jan 1, 2026 | SERFF #MRTN-135059288 |
| Equip Breakdown | CA | 0% overall rate change (filed) | Jan 1, 2026 | SERFF #MRTN-135058017 |
| Equip Breakdown | CA | 0% overall rate change (filed) | Jan 1, 2026 | SERFF #WESA-134737286 |
| Equip Breakdown | CA | filing on record (magnitude not publicly disclosed) | Jan 1, 2025 | SERFF #CNNA-134495645 |
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.
CINCINNATI INSURANCE COMPANY (THE) filed 26-1156 effective January 2026 (active). CINCINNATI INSURANCE COMPANY (THE) filed 26-577 effective January 2026 (active). HARCO NATIONAL INSURANCE COMPANY filed 26-1356 effective January 2026 (active). HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY OF CONNECTICUT (THE) filed 26-1467 effective January 2026 (active). INCLINE CASUALTY COMPANY filed 26-1738 effective January 2026 (active). INCLINE NATIONAL INSURANCE COMPANY filed 26-1736 effective January 2026 (active). TRANS PACIFIC INSURANCE COMPANY filed 26-234-A effective January 2026 (active). CINCINNATI INSURANCE COMPANY (THE) filed 25-846 effective January 2025 (active). GREAT AMERICAN ASSURANCE COMPANY filed 25-621-A effective January 2025 (active). INSURANCE SERVICES OFFICE, INC. filed 25-2491 effective January 2025 (active). SOMPO AMERICA INSURANCE COMPANY filed 25-930 effective January 2025 (active). SOMPO AMERICA INSURANCE COMPANY filed 25-238 effective January 2025 (active).
Equipment breakdown 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.
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Key takeaways for California equipment breakdown
- California equipment breakdown 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 equipment breakdown 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 equipment breakdown rates differ for your specific operation.
Get a real California equipment breakdown quote
These filings are the regulator-held record — your actual equipment breakdown 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.