Texas commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Texas files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Texas. This page summarizes the 12 active filings we track for Texas across 6 line(s) of business and 10 classification(s).
How Workers' Comp rates are set in Texas
Texas runs a opt-in Workers' Comp market. Rate filings are reviewed by the Texas Department of Insurance. The governing authority is Texas Insurance Code Title 13 (licensing) · Texas Labor Code §406.002 (WC opt-in/opt-out). You can confirm any Texas carrier or agent is licensed with the state's license-lookup tool. We track 10 distinct classification(s) for Texas across 12 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 Texas 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 Texas filings we track, filed loss costs range from $141.00 to $561.00 per $100 of payroll, filed by 4 distinct carrier(s) or bureau(s). The lines represented are Workers Compensation, Businessowners Policy (BOP), Commercial Auto, Commercial General Liability, Commercial Professional Liability, Commercial Property. The most-recent Texas filing we track is effective July 2026. Every row below links to its SERFF tracking number so the Texas regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Texas employees injured on the job — mandatory in Texas once you have staff. Commercial Auto covers vehicles a Texas business owns or operates, from liability to physical damage. General Liability covers third-party bodily-injury and property-damage claims against a Texas operation. Commercial Property covers a Texas business's own building, equipment, and inventory. A Businessowners Policy (BOP) bundles General Liability and Commercial Property for smaller Texas businesses.
In Texas, Commercial General Liability carriers earned about $9.8B in premiums at a 77.2% loss ratio and a -18.4% underwriting profit (NAIC 2023). In Texas, Commercial Auto carriers earned about $5.6B in premiums at a 79.1% loss ratio and a -17.3% underwriting profit (NAIC 2023). In Texas, Commercial Multiple Peril carriers earned about $4.6B in premiums at a 57.3% loss ratio and a -0.3% underwriting profit (NAIC 2023). In Texas, Commercial Property carriers earned about $3.4B in premiums at a 49.7% loss ratio and a 21.4% underwriting profit (NAIC 2023). In Texas, Inland Marine carriers earned about $3.3B in premiums at a 52.7% loss ratio and a 13.3% underwriting profit (NAIC 2023). In Texas, Workers Compensation carriers earned about $2.7B in premiums at a 35% loss ratio and a 16.1% underwriting profit (NAIC 2023). In Texas, Medical Professional Liability carriers earned about $533M in premiums at a 41.1% loss ratio and a 14.7% underwriting profit (NAIC 2023). In Texas, Product Liability carriers earned about $450M in premiums at a 47% loss ratio and a 7.3% 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 Texas, beyond the filed loss costs above.
- Texas filed commercial loss costs we track run about $141.00 to $561.00 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- Texas 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 Texas 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 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 | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | NCCI-134745334 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T34 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T62 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T28 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T23 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T2 |
| Comm Auto | TX | ISO multistate zone-rated loss-cost revision | Sep 12, 2025 | ISOF-G134311774 |
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 Texas 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 Texas quote in under 90 seconds.
Get a free Texas quote →Texas filed rates by coverage
Coverage-specific Texas rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related Texas cost pages
Texas-specific cost guides for the verticals we cover:
Texas insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Texas — 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 →