Georgia commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Georgia files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Georgia. This page summarizes the 1 active filings we track for Georgia across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in Georgia
Georgia runs a private Workers' Comp market. Rate filings are reviewed by the Georgia Office of Commissioner of Insurance and Safety Fire. The governing authority is O.C.G.A. Title 33 (Insurance). You can confirm any Georgia carrier or agent is licensed with the state's license-lookup tool. We track 1 distinct classification(s) for Georgia 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 Georgia 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 we track are Workers Compensation. The most-recent Georgia filing we track is effective March 2026. Every row below links to the filing it was taken from so the Georgia regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Georgia employees injured on the job — mandatory in Georgia once you have staff.
In Georgia, Commercial General Liability carriers earned about $3.1B in premiums at a 67.7% loss ratio and a -7.9% underwriting profit (NAIC 2023). In Georgia, Commercial Auto carriers earned about $2.0B in premiums at a 79.4% loss ratio and a -16.9% underwriting profit (NAIC 2023). In Georgia, Workers Compensation carriers earned about $1.9B in premiums at a 43.5% loss ratio and a 18.5% underwriting profit (NAIC 2023). In Georgia, Commercial Multiple Peril carriers earned about $1.6B in premiums at a 89.5% loss ratio and a -38.9% underwriting profit (NAIC 2023). In Georgia, Inland Marine carriers earned about $1.1B in premiums at a 38.4% loss ratio and a 24.3% underwriting profit (NAIC 2023). In Georgia, Commercial Property carriers earned about $648M in premiums at a 64.7% loss ratio and a 4.5% underwriting profit (NAIC 2023). In Georgia, Medical Professional Liability carriers earned about $417M in premiums at a 54.6% loss ratio and a -3.7% underwriting profit (NAIC 2023). In Georgia, Product Liability carriers earned about $147M in premiums at a 25.8% loss ratio and a 29.7% 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 Georgia, beyond the filed loss costs above.
- Georgia rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual Georgia 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, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | GA | Overall -8.8% voluntary loss cost / -9.3% assigned risk rate | Mar 1, 2026 | SERFF #NCCI-134736978 |
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.
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Who writes commercial coverage in Georgia
68 carrier groups have an active filing footprint across 102 lines of insurance in Georgia (34,632 filings observed in the state's public SERFF record). Most active by volume: Liberty Mutual, Hartford, Nationwide, AmTrust, CNA, Berkley.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
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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 Georgia quote in under 90 seconds.
Get a free Georgia quote →Related Georgia cost pages
Georgia-specific cost guides for the verticals we cover:
Georgia insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Georgia — 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 →