North Carolina commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in North Carolina files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in North Carolina. This page summarizes the 14 active filings we track for North Carolina across 2 line(s) of business and 13 classification(s).
How Workers' Comp rates are set in North Carolina
North Carolina runs a private Workers' Comp market. Rate filings are reviewed by the North Carolina Department of Insurance. The governing authority is N.C.G.S. Chapter 58 (Insurance). You can confirm any North Carolina carrier or agent is licensed with the state's license-lookup tool. We track 13 distinct classification(s) for North Carolina across 14 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 North Carolina 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 North Carolina filings we track, filed loss costs range from $0.04 to $1440.00 per $100 of payroll, filed by 2 distinct carrier(s) or bureau(s). The lines represented are Workers Compensation, Commercial Auto. Classifications tracked include NCCI class codes 0005, 5223, 5462, 5474, 5551, 5645, 7380, 8001, 8810, 9403. The most-recent North Carolina filing we track is effective April 2026. Every row below links to its SERFF tracking number so the North Carolina regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for North Carolina employees injured on the job — mandatory in North Carolina once you have staff. Commercial Auto covers vehicles a North Carolina business owns or operates, from liability to physical damage.
In North Carolina, Commercial General Liability carriers earned about $2.3B in premiums at a 52.5% loss ratio and a 11.9% underwriting profit (NAIC 2023). In North Carolina, Workers Compensation carriers earned about $1.5B in premiums at a 46.8% loss ratio and a 17.2% underwriting profit (NAIC 2023). In North Carolina, Commercial Multiple Peril carriers earned about $1.4B in premiums at a 46.4% loss ratio and a 11.3% underwriting profit (NAIC 2023). In North Carolina, Commercial Auto carriers earned about $1.1B in premiums at a 69.3% loss ratio and a -3.1% underwriting profit (NAIC 2023). In North Carolina, Inland Marine carriers earned about $1.0B in premiums at a 43% loss ratio and a 21.1% underwriting profit (NAIC 2023). In North Carolina, Commercial Property carriers earned about $513M in premiums at a 42.1% loss ratio and a 30.8% underwriting profit (NAIC 2023). In North Carolina, Medical Professional Liability carriers earned about $206M in premiums at a 39.5% loss ratio and a 17.6% underwriting profit (NAIC 2023). In North Carolina, Product Liability carriers earned about $138M in premiums at a 52.5% loss ratio and a -5.2% 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 North Carolina, beyond the filed loss costs above.
- North Carolina filed commercial loss costs we track run about $0.04 to $1440.00 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- North Carolina 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 North Carolina 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 | NC | Industrial -7.8% / Federal -12.8% overall loss cost level | Apr 1, 2026 | NCRB-NC-2026-LC |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-9403 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-5223 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-0005 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-5551 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-7380 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-8001 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-8810 |
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 North Carolina 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 North Carolina quote in under 90 seconds.
Get a free North Carolina quote →North Carolina filed rates by coverage
Coverage-specific North Carolina rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related North Carolina cost pages
North Carolina-specific cost guides for the verticals we cover:
North Carolina insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in North Carolina — 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 →