Rhode Island commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Rhode Island files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Rhode Island. This page summarizes the 1 active filings we track for Rhode Island across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in Rhode Island
Rhode Island runs a private + state fund Workers' Comp market. Rate filings are reviewed by the Rhode Island Department of Business Regulation, Insurance Division. The governing authority is Rhode Island General Laws Title 27 (Insurance). You can confirm any Rhode Island carrier or agent is licensed with the state's license-lookup tool. We track 1 distinct classification(s) for Rhode Island across 1 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 Rhode Island 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.
The lines we track are Workers Compensation. The most-recent Rhode Island filing we track is effective August 2026. Every row below links to the filing it was taken from so the Rhode Island regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Rhode Island employees injured on the job — mandatory in Rhode Island once you have staff.
In Rhode Island, Commercial General Liability carriers earned about $394M in premiums at a 86.1% loss ratio and a -28.3% underwriting profit (NAIC 2023). In Rhode Island, Workers Compensation carriers earned about $235M in premiums at a 48.5% loss ratio and a 7% underwriting profit (NAIC 2023). In Rhode Island, Commercial Multiple Peril carriers earned about $232M in premiums at a 50.4% loss ratio and a 7.3% underwriting profit (NAIC 2023). In Rhode Island, Commercial Auto carriers earned about $127M in premiums at a 59.2% loss ratio and a 7.7% underwriting profit (NAIC 2023). In Rhode Island, Inland Marine carriers earned about $120M in premiums at a 42.6% loss ratio and a 21.6% underwriting profit (NAIC 2023). In Rhode Island, Commercial Property carriers earned about $67M in premiums at a 55.2% loss ratio and a 15.1% underwriting profit (NAIC 2023). In Rhode Island, Medical Professional Liability carriers earned about $39M in premiums at a 71.9% loss ratio and a -14.2% underwriting profit (NAIC 2023). In Rhode Island, Product Liability carriers earned about $14M in premiums at a 88% loss ratio and a -56.1% 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 Rhode Island, beyond the filed loss costs above.
- Rhode Island 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 Rhode Island 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 — 1 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 | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
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.
Quotes from 10+ carriers · Licensed agent followup
5 quick questions · No phone calls · No SSN required
Who writes commercial coverage in Rhode Island
62 carrier groups have an active filing footprint across 94 lines of insurance in Rhode Island (22,321 filings observed in the state's public SERFF record). Most active by volume: Hartford, Liberty Mutual, Nationwide, CNA, Berkley, Zurich.
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 Rhode Island carriers →Get a real Rhode Island 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 Rhode Island quote in under 90 seconds.
Get a free Rhode Island quote →Related Rhode Island cost pages
Rhode Island-specific cost guides for the verticals we cover:
Rhode Island insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Rhode Island — 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 →