Massachusetts commercial insurance rate filings (2026)

Every commercial-insurance carrier writing business in Massachusetts files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Massachusetts. This page summarizes the 37 active filings we track for Massachusetts across 2 line(s) of business and 37 classification(s).

Across the Massachusetts Workers Compensation filings we track, filed rates range from $0.04 to $8.31 per $100 of payroll, filed by 2 distinct carrier(s) or bureau(s). The lines we track are Commercial Auto, Workers Compensation. Classifications tracked include NCCI class codes 0005, 0042, 0106, 5022, 5183, 5190, 5223, 5403, 5437, 5462, 5474, 5538, 5606, 5645, 7219, 7230, 7231, 7370, 7380, 7382, 8279, 8380, 8385, 8392, 8742, 8748, 8810, 9014, 9015, 9058, 9079, 9101, 9402, 9403, 9586. The most-recent Massachusetts filing we track is effective March 2026. Every row below links to the filing it was taken from so the Massachusetts regulator record can be verified.

Workers' Compensation covers medical bills and lost wages for Massachusetts employees injured on the job — mandatory in Massachusetts once you have staff. Commercial Auto covers vehicles a Massachusetts business owns or operates, from liability to physical damage.

In Massachusetts, Commercial General Liability carriers earned about $3.4B in premiums at a 46.3% loss ratio and a 16.1% underwriting profit (NAIC 2023). In Massachusetts, Commercial Multiple Peril carriers earned about $1.7B in premiums at a 60.5% loss ratio and a -7.2% underwriting profit (NAIC 2023). In Massachusetts, Workers Compensation carriers earned about $1.4B in premiums at a 53.7% loss ratio and a 8.9% underwriting profit (NAIC 2023). In Massachusetts, Commercial Auto carriers earned about $885M in premiums at a 58.3% loss ratio and a 8.4% underwriting profit (NAIC 2023). In Massachusetts, Inland Marine carriers earned about $867M in premiums at a 43.6% loss ratio and a 20.7% underwriting profit (NAIC 2023). In Massachusetts, Commercial Property carriers earned about $518M in premiums at a 34.7% loss ratio and a 34.7% underwriting profit (NAIC 2023). In Massachusetts, Medical Professional Liability carriers earned about $376M in premiums at a 59.8% loss ratio and a -13.7% underwriting profit (NAIC 2023). In Massachusetts, Product Liability carriers earned about $148M in premiums at a 48.2% loss ratio and a 8.7% 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 Massachusetts, beyond the filed loss costs above.

• Massachusetts filed commercial rates we track run about $0.04 to $8.31 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
• Massachusetts 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 Massachusetts 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, each cited to the regulator or bureau filing it came from.

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.

Who writes commercial coverage in Massachusetts

57 carrier groups have an active filing footprint across 127 lines of insurance in Massachusetts (22,633 filings observed in the state's public SERFF record). Most active by volume: Liberty Mutual, Hartford, Berkley, CNA, Zurich, Great American.

This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.

Get a real Massachusetts 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 Massachusetts quote in under 90 seconds.

Massachusetts filed rates by coverage

Coverage-specific Massachusetts rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:

Related Massachusetts cost pages

Massachusetts-specific cost guides for the verticals we cover:

Massachusetts insurance profitability by line (2023 NAIC)

How profitable each commercial line runs in Massachusetts — 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 →