Colorado commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Colorado files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Colorado. This page summarizes the 15 active filings we track for Colorado across 1 line(s) of business and 15 classification(s).
How Workers' Comp rates are set in Colorado
Colorado runs a private + state fund Workers' Comp market. Rate filings are reviewed by the Colorado Division of Insurance. We track 15 distinct classification(s) for Colorado across 15 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Colorado businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
Across the Colorado filings we track, filed loss costs range from $0.05 to $5.40 per $100 of payroll, filed by 1 distinct carrier(s) or bureau(s). The lines represented are Workers Compensation. Classifications tracked include NCCI class codes 0005, 5223, 5462, 5474, 5551, 5645, 7380, 7403, 7405, 7431, 7855, 8001, 8279, 8810, 9403. The most-recent Colorado filing we track is effective January 2026. Every row below links to its SERFF tracking number so the Colorado regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Colorado employees injured on the job — mandatory in Colorado once you have staff.
In Colorado, Commercial General Liability carriers earned about $2.3B in premiums at a 69.9% loss ratio and a -10.1% underwriting profit (NAIC 2023). In Colorado, Commercial Multiple Peril carriers earned about $1.3B in premiums at a 67.4% loss ratio and a -11% underwriting profit (NAIC 2023). In Colorado, Workers Compensation carriers earned about $1.1B in premiums at a 43.7% loss ratio and a 15.9% underwriting profit (NAIC 2023). In Colorado, Commercial Auto carriers earned about $781M in premiums at a 66.6% loss ratio and a -0.7% underwriting profit (NAIC 2023). In Colorado, Inland Marine carriers earned about $696M in premiums at a 46.6% loss ratio and a 18.7% underwriting profit (NAIC 2023). In Colorado, Commercial Property carriers earned about $379M in premiums at a 43.9% loss ratio and a 28.2% underwriting profit (NAIC 2023). In Colorado, Medical Professional Liability carriers earned about $183M in premiums at a 44.8% loss ratio and a 7.2% underwriting profit (NAIC 2023). In Colorado, Product Liability carriers earned about $99M in premiums at a 45.4% loss ratio and a 5.7% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Colorado, beyond the filed loss costs above.
- Colorado filed commercial loss costs we track run about $0.05 to $5.40 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- Colorado rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual Colorado premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
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 |
|---|---|---|---|---|
| WC | CO | per $100 payroll (advisory loss cost; carriers apply their own LCM) | Jan 1, 2026 | NCCI-134620513-CO-0005 |
| WC | CO | per $100 payroll (N-suffix Aviation class, federal payroll cap) | Jan 1, 2026 | NCCI-134620513-CO-7431 |
| WC | CO | per $100 payroll (N-suffix Aviation class, federal payroll cap) | Jan 1, 2026 | NCCI-134620513-CO-7405 |
| WC | CO | per $100 payroll (advisory loss cost; carriers apply their own LCM) | Jan 1, 2026 | NCCI-134620513-CO-7403 |
| WC | CO | per $100 payroll (advisory loss cost; carriers apply their own LCM) | Jan 1, 2026 | NCCI-134620513-CO-5223 |
| WC | CO | per $100 payroll (advisory loss cost; carriers apply their own LCM) | Jan 1, 2026 | NCCI-134620513-CO-8810 |
| WC | CO | per $100 payroll (advisory loss cost; carriers apply their own LCM) | Jan 1, 2026 | NCCI-134620513-CO-7380 |
| WC | CO | per $100 payroll (advisory loss cost; carriers apply their own LCM) | Jan 1, 2026 | NCCI-134620513-CO-9403 |
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.
Get a real Colorado quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Colorado quote in under 90 seconds.
Get a free Colorado quote →Colorado filed rates by coverage
Coverage-specific Colorado rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related Colorado cost pages
Colorado-specific cost guides for the verticals we cover:
Colorado insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Colorado — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →