Missouri commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Missouri files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Missouri. This page summarizes the 39 active filings we track for Missouri across 1 line(s) of business and 39 classification(s).
How Workers' Comp rates are set in Missouri
Missouri runs a private + state fund Workers' Comp market. Rate filings are reviewed by the Missouri Department of Commerce and Insurance. The governing authority is Missouri Revised Statutes Title XXIV Chapter 374 (Insurance). You can confirm any Missouri carrier or agent is licensed with the state's license-lookup tool. We track 39 distinct classification(s) for Missouri across 39 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 Missouri 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 Missouri Workers Compensation filings we track, filed rates range from $0.09 to $10.14 per $100 of payroll, filed by 2 distinct carrier(s) or bureau(s). The lines we track are Workers Compensation. Classifications tracked include NCCI class codes 0005, 0042, 0106, 5022, 5183, 5190, 5223, 5403, 5437, 5462, 5474, 5535, 5551, 5606, 5645, 7219, 7230, 7231, 7370, 7380, 7382, 7705, 8279, 8385, 8391, 8392, 8742, 8748, 8810, 9014, 9015, 9058, 9082, 9083, 9101, 9402, 9403, 9586. The most-recent Missouri filing we track is effective January 2026. Every row below links to the filing it was taken from so the Missouri regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Missouri employees injured on the job — mandatory in Missouri once you have staff.
In Missouri, Commercial General Liability carriers earned about $1.7B in premiums at a 65.2% loss ratio and a -3.2% underwriting profit (NAIC 2023). In Missouri, Commercial Multiple Peril carriers earned about $1.1B in premiums at a 76.1% loss ratio and a -18.7% underwriting profit (NAIC 2023). In Missouri, Workers Compensation carriers earned about $1.1B in premiums at a 53% loss ratio and a 9.3% underwriting profit (NAIC 2023). In Missouri, Commercial Auto carriers earned about $720M in premiums at a 73.5% loss ratio and a -8.7% underwriting profit (NAIC 2023). In Missouri, Inland Marine carriers earned about $569M in premiums at a 40.8% loss ratio and a 26.5% underwriting profit (NAIC 2023). In Missouri, Commercial Property carriers earned about $394M in premiums at a 36.1% loss ratio and a 36.9% underwriting profit (NAIC 2023). In Missouri, Medical Professional Liability carriers earned about $222M in premiums at a 37.1% loss ratio and a 12.4% underwriting profit (NAIC 2023). In Missouri, Product Liability carriers earned about $78M in premiums at a 44.1% loss ratio and a -3% 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 Missouri, beyond the filed loss costs above.
- Missouri filed commercial rates we track run about $0.09 to $10.14 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- Missouri 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 Missouri 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.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | MO | Proposed +1.3% voluntary loss cost increase | Jan 1, 2026 | SERFF #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | Filing #NCCI-134646477 |
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 Missouri
67 carrier groups have an active filing footprint across 135 lines of insurance in Missouri (32,153 filings observed in the state's public SERFF record). Most active by volume: Liberty Mutual, Hartford, Nationwide, Berkley, AmTrust, CNA.
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.
Compare Missouri carriers →Get a real Missouri 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 Missouri quote in under 90 seconds.
Get a free Missouri quote →Missouri filed rates by coverage
Coverage-specific Missouri rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related Missouri cost pages
Missouri-specific cost guides for the verticals we cover:
Missouri insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Missouri — 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 →