Workers compensation rate filings in North Carolina (2026)
Every carrier writing workers compensation coverage in North Carolina files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in North Carolina. This page tracks the 11 active workers compensation filing(s) on record for North Carolina, filed by 1 distinct carrier(s).
Workers compensation rate filings in North Carolina 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. A workers compensation premium in North Carolina is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two North Carolina businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in North Carolina include North Carolina Rate Bureau (NCRB). These are filings on record — North Carolina's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $0.04 to $6.84 on the filed rating basis. The most-recent workers compensation filing we track for North Carolina is effective April 2026. Every row below cites its filing reference so the North Carolina regulator record can be verified.
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 | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-8810 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | NCRB-NC-2026-04-5551 |
| 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-2026-04-0005 |
| 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-2026-04-8001 |
| 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-2026-04-7380 |
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.
North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NC-NCRB-LC-20250829 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active). North Carolina Rate Bureau (NCRB) filed NCRI-134628278 effective April 2026 (active).
Workers' Compensation covers medical bills and lost wages for North Carolina employees injured on the job, and is mandatory in North Carolina once a business has staff.
Across 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). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in North Carolina, beyond any single carrier's filing.
Key takeaways for North Carolina workers compensation
- North Carolina workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual North Carolina workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how North Carolina workers compensation rates differ for your specific operation.
Get a real North Carolina workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free North Carolina quote in under 90 seconds.
Get a free North Carolina quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All North Carolina rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public North Carolina Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.