District of Columbia commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in District of Columbia files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in District of Columbia. This page summarizes the 1 active filings we track for District of Columbia across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in District of Columbia
District of Columbia runs a private Workers' Comp market. Rate filings are reviewed by the DC Department of Insurance, Securities and Banking (DISB). We track 1 distinct classification(s) for District of Columbia across 1 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 District of Columbia 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.
The lines represented are Workers Compensation. The most-recent District of Columbia filing we track is effective January 2026. Every row below links to its SERFF tracking number so the District of Columbia regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for District of Columbia employees injured on the job — mandatory in District of Columbia once you have staff.
In District of Columbia, Commercial General Liability carriers earned about $721M in premiums at a 39.7% loss ratio and a 19.4% underwriting profit (NAIC 2023). In District of Columbia, Commercial Multiple Peril carriers earned about $220M in premiums at a 44% loss ratio and a 13.3% underwriting profit (NAIC 2023). In District of Columbia, Inland Marine carriers earned about $167M in premiums at a 20.1% loss ratio and a 54.5% underwriting profit (NAIC 2023). In District of Columbia, Workers Compensation carriers earned about $167M in premiums at a 41.4% loss ratio and a 17.1% underwriting profit (NAIC 2023). In District of Columbia, Commercial Property carriers earned about $76M in premiums at a 31.5% loss ratio and a 42.8% underwriting profit (NAIC 2023). In District of Columbia, Commercial Auto carriers earned about $54M in premiums at a 41.8% loss ratio and a 30.6% underwriting profit (NAIC 2023). In District of Columbia, Medical Professional Liability carriers earned about $29M in premiums at a 43.1% loss ratio and a 17% underwriting profit (NAIC 2023). In District of Columbia, Product Liability carriers earned about $9M in premiums at a -3.1% loss ratio and a 73.2% 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 District of Columbia, beyond the filed loss costs above.
- District of Columbia 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 District of Columbia 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 — 1 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 | DC | Voluntary +1.7% / Assigned-risk +2.5% INCREASE (proposed) | Jan 1, 2026 | NCCI-134640882 |
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 District of Columbia 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 District of Columbia quote in under 90 seconds.
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District of Columbia-specific cost guides for the verticals we cover:
District of Columbia insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in District of Columbia — 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 →