Coverage description
A National Council on Compensation Insurance (NCCI) standard form. It records the insurer's duties to the Rural Utilities Service: submitting its forms, giving ten days notice of termination, and not raising your immunity from tort liability as a defense unless you ask.
Updated
What the form says
Key clauses from edition B, the latest revision, quoted as filed.
“We will submit our policy and endorsement forms to the Rural Utilities Service (RUS) prior to using them.”
WC 00 03 09 B
What the insurer owes the Rural Utilities Service. The insurer agrees to send its policy and endorsement forms to the Rural Utilities Service before using them.
“We will mail to the Rural Utilities Service at least ten days advance notice of the termination of the policy.”
WC 00 03 09 B
Notice before the policy ends. The insurer must mail the Rural Utilities Service notice of termination at least ten days before the policy ends.
“If you are immune from tort liability, we will not use that immunity as a defense unless you so request us.”
WC 00 03 09 B
When immunity is used as a defense. The insurer will not raise your tort immunity unless you ask it to. Waiving the defense does not make the insurer liable for more than the policy limits.
“shall apply to your officers and employees in their capacity as such”
WC 00 03 09 B · New in this edition
Coverage for officers and employees of a cooperative. For a cooperative or mutual insured relieved of liability by its immunity, the insurance that would have applied to it extends to its officers and employees acting in that role, with all defenses other than immunity kept.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
Edition B
Compared with the original editionLatest editionAdds a section for insureds that are cooperatives or mutual organizations: the insurer will not use the insured's immunity in adjusting claims or defending suits unless the insured raises it, and waiving immunity does not expose the insurer beyond the policy limits.
Original edition
Not in this edition
Edition B
“If you are a cooperative or a mutual organization, we agree with the Rural Utilities Service”
When a cooperative or mutual insured is relieved of liability by its immunity, the insurance that would have applied to it now applies to its officers and employees in that capacity.
Original edition
Not in this edition
Edition B
“shall apply to your officers and employees in their capacity as such”
Revision B also retitled the form from Rural Electrification Administration Endorsement and replaced the Rural Electrification Agency with the Rural Utilities Service in items 1 and 2, with no change to those duties.
Editions
Revision letters as filed, newest first. Filing counts include every state submission that lists the edition.
What the filings show
- Edition in use: in the past 12 months, 38 companies filed edition B.
- WC 00 01 06 (Longshoremen's and Harbor Workers' Compensation Act Coverage Endorsement) is filed alongside it most often, in 107 of the same filings (98%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Nov 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include WC 00 03 09, out of 29 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Brookfield Wealth Solutions Group4 group companies filed it, led by Argonaut Insurance Company and Argonaut-Midwest Insurance Company | 19 | 1 | B | Jun 4, 2026 |
| AXA Insurance Group5 group companies filed it, led by Greenwich Insurance Company and XL Insurance America, Inc. | 6 | 2 | B | Jun 23, 2026 |
| Acuity, A Mutual Insurance Company | 6 | 2 | B | Jul 1, 2026 |
| Nationwide Corporation Group3 group companies filed it, led by Crestbrook Insurance Company and Nationwide Agribusiness Insurance Company | 6 | 1 | B | Jun 30, 2026 |
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety First Insurance Company and Safety National Casualty Corporation | 6 | 2 | B | May 14, 2025 |
| Intact Financial Group3 group companies filed it, led by Atlantic Specialty Insurance Company and OBI America Insurance Company | 5 | 1 | B | Jun 24, 2026 |
| RLI Insurance GroupRLI Insurance Company | 5 | 1 | B | Aug 18, 2026 |
| Sompo Group2 group companies filed it, led by Sompo America Fire and Marine Insurance Company and Sompo America Insurance Company | 5 | 1 | B | Jun 15, 2026 |
| State Farm GroupState Farm Fire and Casualty Company | 5 | 1 | B | May 4, 2026 |
| THE Hanover Insurance Group6 group companies filed it, led by Allmerica Financial Alliance Insurance Company and Allmerica Financial Benefit Insurance Company | 5 | 1 | B | Jun 23, 2026 |
How the largest insurers handle WC 00 03 09
Groups among the largest workers compensation insurers that filed WC 00 03 09 or their own version in the past five years.
- Amtrust Financial Services GroupUses WC 00 03 09 in 1 filing
States
Number of filings that include WC 00 03 09 in each state, Nov 2021 to Sep 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- WC 00 01 06Longshoremen's and Harbor Workers' Compensation Act Coverage Endorsement107 filings
- WC 00 03 05Joint Venture as Insured Endorsement107 filings
- WC 00 03 13Waiver of Our Right to Recover From Others Endorsement106 filings
- WC 00 03 01Alternate Employer Endorsement105 filings
- WC 00 03 04Insurance Company as Insured Endorsement105 filings
- WC 00 03 08Partners, Officers and Others Exclusion Endorsement105 filings
- WC 00 04 06Premium Discount Endorsement105 filings
- WC 00 04 03Experience Rating Modification Factor Endorsement103 filings
- WC 00 04 04Pending Rate Change Endorsement103 filings
- WC 00 03 11Voluntary Compensation and Employers Liability Coverage Endorsement102 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Sep 16, 2026 | ZNAT Insurance Company | CT | B | ZICO-135090521 |
| Aug 18, 2026 | RLI Insurance Company | CO | B | RLSC-135057018 |
| Jul 1, 2026 | Acuity, A Mutual Insurance Company | CO | B | ACUT-134982793 |
| Jun 30, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | B | CNAB-135003197 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | B | NWPP-135003409 |
| Jun 30, 2026 | National Casualty Company | CO | B | NWPP-135004216 |
| Jun 24, 2026 | Atlantic Specialty Insurance Companyand 2 more | CO | B | BEAC-134978198 |
| Jun 23, 2026 | Allmerica Financial Alliance Insurance Companyand 5 more | CO | B | HNVX-134968029 |
| Jun 23, 2026 | AXA XL Insurance Company Americasand 3 more | CO | B | XLAM-134996276 |
| Jun 15, 2026 | Sompo America Fire and Marine Insurance Companyand 1 more | CO | B | SMPJ-134970923 |
| Jun 12, 2026 | All America Insurance Companyand 1 more | CO | B | CEMC-134982050 |
| Jun 4, 2026 | Argonaut-Midwest Insurance Company | CO | B | ARGN-134974739 |
Most filed NCCI WC forms
- WC 00 00 01 Information Page
- WC 00 04 19 Part Five, Premium Amendatory Endorsement
- WC 00 00 00 Workers Compensation and Employers Liability Insurance Policy
- WC 00 04 21 Catastrophe (Other Than Certified Acts of Terrorism) Premium Endorsement
- WC 00 04 06 Premium Discount Endorsement
- WC 00 03 13 Waiver of Our Right to Recover From Others Endorsement
- WC 00 04 22 Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement
- WC 00 03 08 Partners, Officers and Others Exclusion Endorsement
- WC 00 03 03 Employers Liability Coverage Endorsement
- WC 00 03 11 Voluntary Compensation and Employers Liability Coverage Endorsement
- WC 00 04 03 Experience Rating Modification Factor Endorsement
- WC 00 04 04 Pending Rate Change Endorsement