General liability rate filings in California (2026)
Every carrier writing general liability coverage in California files its rates and rating rules with the state's insurance regulator — the primary-source records behind every general liability quote in California. This page tracks the 6 active general liability filing(s) on record for California, filed by 4 distinct carrier(s).
General liability 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 general liability 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 general liability premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with general liability filings on record in California include CALIFORNIA CAPITAL INSURANCE COMPANY, MIDDLESEX INSURANCE COMPANY, INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA (THE), NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY. Disclosed rate changes among these filings range from -58.7% to 30.1%. The most-recent general liability 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 — 6 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 |
|---|---|---|---|---|
| GL | CA | 22.1% overall rate change (filed) | Jan 1, 2026 | CIGI-134809766 |
| GL | CA | 3.6% overall rate change (filed) | Jan 1, 2025 | SEPX-134603601 |
| GL | CA | 24.5% overall rate change (filed) | Jan 1, 2024 | CIGI-133901846 |
| GL | CA | -58.7% overall rate change (filed) | Jan 1, 2024 | AGNY-133951744 |
| GL | CA | 19.3% overall rate change (filed) | Jan 1, 2024 | NWPP-134334088 |
| GL | CA | 30.1% overall rate change (filed) | Jan 1, 2024 | NWPP-134013933 |
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 CAPITAL INSURANCE COMPANY filed 26-241 effective January 2026 (active). MIDDLESEX INSURANCE COMPANY filed 25-1588 effective January 2025 (active). CALIFORNIA CAPITAL INSURANCE COMPANY filed 24-168 effective January 2024 (active). INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA (THE) filed 24-210-F effective January 2024 (active). NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY filed 24-2466-B effective January 2024 (active). NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY filed 24-544-B effective January 2024 (active).
General liability covers third-party bodily-injury and property-damage claims against a California business — the slip-and-fall, damaged-customer-property, and advertising-injury exposures nearly every operation faces. It is typically rated on sales or square footage and is the foundation of most commercial programs.
Across California, general liability carriers earned about $15.7B in premiums at a 67% loss ratio and a -10.5% 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 general liability actually performs in California, beyond any single carrier's filing.
Key takeaways for California general liability
- California general liability 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 general liability 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 general liability rates differ for your specific operation.
Get a real California general liability quote
These filings are the regulator-held record — your actual general liability 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.