North Carolina commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in North Carolina must file their loss costs + rating values with the North Carolina Department of Insurance. Those filings are primary-source, government-held records — the actual numerical inputs that drive every commercial quote in the state. Below: every recent active rate filing affecting North Carolina commercial operations, with the SERFF tracking number linking to the public regulator record.
North Carolina's primary workers' comp rate bureau
NCRB — the North Carolina Rate Bureau is independent of NCCI and files NC commercial loss costs separately.
Recent rate-filing activity — 2 state filings across 2 commercial lines
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 |
| Comm Auto | NC | +4.5% overall statewide revenue change | Apr 1, 2026 | NCRB-NC-2026-CA |
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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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.
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