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 537 active general liability filing(s) on record for California, filed by 34 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 ARCH INSURANCE COMPANY, LIBERTY INSURANCE UNDERWRITERS INC., MARKEL AMERICAN INSURANCE COMPANY, ACCREDITED SURETY AND CASUALTY COMPANY, INC., TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA, FIRST LIBERTY INSURANCE CORPORATION (THE), HISCOX INSURANCE COMPANY INC., CHUBB INDEMNITY INSURANCE COMPANY, HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY (THE), NATIONWIDE AGRIBUSINESS INSURANCE COMPANY, LIBERTY INSURANCE CORPORATION, CALIFORNIA CAPITAL INSURANCE COMPANY, and 22 more. Disclosed rate changes among these filings range from -58.7% to 83.5%. The most-recent general liability 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, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| GL | CA | filing on record (magnitude not publicly disclosed) | Jul 17, 2026 | SERFF #AICO-135013941 |
| GL | CA | filing on record (magnitude not publicly disclosed) | Jul 17, 2026 | SERFF #AICO-G134980136 |
| GL | CA | filing on record (magnitude not publicly disclosed) | Jul 10, 2026 | SERFF #AICO-G134960113 |
| GL | CA | filing on record (magnitude not publicly disclosed) | Jul 10, 2026 | SERFF #LINU-135001684 |
| GL | CA | filing on record (magnitude not publicly disclosed) | Jul 3, 2026 | SERFF #MRKB-134983426 |
| GL | CA | 0% overall rate change (filed) | Jun 26, 2026 | SERFF #AICO-G134947114 |
| GL | CA | filing on record (magnitude not publicly disclosed) | Jun 19, 2026 | SERFF #MRTN-134845571 |
| GL | CA | filing on record (magnitude not publicly disclosed) | Jun 12, 2026 | SERFF #TRVD-134962296 |
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 filing notices for general liability
California does not file through SERFF — it publishes its own public notices. In the CA DOI's public filing notices we count 5790 filings from 376 carriers for this line family — e.g. ACCD-132829632, ACCD-133539788, ACCD-133681494, ACCD-G133470104, ACCD-G133604403, ACCD-G133797296 (identifiers verbatim from the notices).
Filing activity from the state's own public record — not a price or a rate.
ARCH INSURANCE COMPANY filed AICO-135013941 effective July 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134980136 effective July 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134960113 effective July 2026 (active). LIBERTY INSURANCE UNDERWRITERS INC. filed LINU-135001684 effective July 2026 (active). MARKEL AMERICAN INSURANCE COMPANY filed MRKB-134983426 effective July 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134947114 effective June 2026 (active). ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed MRTN-134845571 effective June 2026 (active). TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA filed TRVD-134962296 effective June 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134939383 effective May 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134934917 effective May 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134917559 effective May 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134924824 effective May 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134924089 effective May 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134906934 effective May 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134907026 effective May 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134889309 effective April 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134884102 effective April 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134906421 effective April 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134840590 effective March 2026 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134844429 effective March 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134852548 effective March 2026 (active). HARTFORD STEAM BOILER INSPECTION AND INSURANCE COMPANY (THE) filed HSTB-134859192 effective March 2026 (active). ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed MRTN-134791528 effective February 2026 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-G134794337 effective February 2026 (active). LIBERTY INSURANCE CORPORATION filed LWCM-134813436 effective January 2026 (active). CHUBB INDEMNITY INSURANCE COMPANY filed ACEH-134782589 effective January 2026 (active). HISCOX INSURANCE COMPANY INC. filed HISC-134774845 effective January 2026 (active). ARCH INSURANCE COMPANY filed AICO-G134776373 effective January 2026 (active). CALIFORNIA CAPITAL INSURANCE COMPANY filed 26-241 effective January 2026 (active). MARKEL INSURANCE COMPANY filed MRKB-134752883 effective December 2025 (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.
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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.