Coverage description
A National Council on Compensation Insurance (NCCI) standard form. It shows the estimated premium discount for this policy and any other policies listed with it, figured on layers of eligible premium, with the final discount set at audit.
Updated
What the form says
Key clauses from edition A, the latest revision, quoted as filed.
“The premium for this policy and the policies, if any, listed in Item 3 of the Schedule may be eligible for a discount.”
WC 00 04 06 A
Which premium can be discounted. Other policies listed in Item 3 can share in the discount along with this one.
“The final calculation of premium discount will be determined by our manuals and your premium basis as determined by audit.”
WC 00 04 06 A
When the discount becomes final. The schedule shows an estimate. The discount is recalculated from the audited premium basis under the insurer's rating manuals.
“Premium subject to retrospective rating is not subject to premium discount.”
WC 00 04 06 A
Retrospective rating and premium discount do not combine. Any premium rated under a retrospective rating plan gets no premium discount.
“$10,000 $190,000 $1,550,000 Balance”
WC 00 04 06 A · New in this edition
How the premium layers are split. The schedule applies a discount percentage to each layer of eligible premium: the first $10,000, the next $190,000, the next $1,550,000 and the balance, with the percentages entered by state.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
Edition A
Compared with the original editionLatest editionWidens the premium layers in the discount schedule, from the first $5,000, next $95,000 and next $400,000 to the first $10,000, next $190,000 and next $1,550,000.
Original edition
“$5,000 $95,000 $400,000 Balance”
Edition A
“$10,000 $190,000 $1,550,000 Balance”
Editions
Revision letters as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed | Document |
|---|---|---|---|---|---|
| ALatest | 90 | 49 | 41 | Dec 2021 to Nov 2026 | View PDF |
| Original | 128 | 76 | 20 | Dec 2021 to Jul 2026 | View PDF |
1 other edition date appears in one or two filings each, often carrier-specific versions: B.
What the filings show
- Edition in use: in the past 12 months, 41 companies filed the original edition and 27 companies filed edition A.
- The newer revision, edition A, first appears Dec 9, 2021 and has been filed by 49 companies in 41 states so far.
- WC 00 04 19 (Premium Due Date Endorsement) is filed alongside it most often, in 174 of the same filings (80%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Nov 2021 to Nov 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 04 06, out of 45 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| WR Berkley Corporation Group6 group companies filed it, led by Intrepid Insurance Company and Intrepid Casualty Company | 38 | 33 | A | Jun 17, 2026 |
| Brookfield Wealth Solutions Group5 group companies filed it, led by Argonaut Insurance Company and Argonaut-Midwest Insurance Company | 21 | 2 | Original | Jun 25, 2026 |
| Nationwide Corporation Group9 group companies filed it, led by AMCO Insurance Company and Crestbrook Insurance Company | 20 | 1 | Original | Jun 30, 2026 |
| United Fire & CAS GroupUnited Fire and Casualty Company | 14 | 11 | OriginalA | May 4, 2026 |
| AXA Insurance Group5 group companies filed it, led by Greenwich Insurance Company and XL Insurance America, Inc. | 7 | 3 | A | Jun 23, 2026 |
| Acuity, A Mutual Insurance Company | 7 | 3 | OriginalA | Jul 1, 2026 |
| Sompo Group2 group companies filed it, led by Sompo America Fire and Marine Insurance Company and Sompo America Insurance Company | 7 | 3 | Original | Jun 15, 2026 |
| Munich RE Group4 group companies filed it, led by American Alternative Insurance Corporation and American Family Home Insurance Company | 6 | 2 | AOriginal | Jun 17, 2026 |
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety First Insurance Company and Safety National Casualty Corporation | 6 | 2 | OriginalA | May 14, 2025 |
| CNA Insurance Group6 group companies filed it, led by American Casualty Company of Reading, Pennsylvania and Continental Casualty Company | 5 | 1 | A | Jun 30, 2026 |
How the largest insurers handle WC 00 04 06
Groups among the largest workers compensation insurers that filed WC 00 04 06 or their own version in the past five years.
- Travelers GroupFiles its own version: WC 99 0408 (00) Premium Discount Endorsement (18 states)
- Amtrust Financial Services GroupUses WC 00 04 06 in 1 filing
States
Number of filings that include WC 00 04 06 in each state, Nov 2021 to Nov 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- WC 00 04 19Premium Due Date Endorsement174 filings
- WC 00 03 08Partners, Officers and Others Exclusion Endorsement159 filings
- WC 00 03 10Sole Proprietors, Partners, Officers and Others Coverage Endorsement154 filings
- WC 00 03 13Waiver of Our Right to Recover From Others Endorsement154 filings
- WC 00 04 03Experience Rating Modification Factor Endorsement153 filings
- WC 00 03 01Alternate Employer Endorsement152 filings
- WC 00 03 05Joint Venture as Insured Endorsement152 filings
- WC 00 04 22Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement151 filings
- WC 00 00 00Workers Compensation and Employers Liability Insurance Policy150 filings
- WC 00 04 21Catastrophe (Other Than Certified Acts of Terrorism) Premium Endorsement150 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Nov 2, 2026 | Illinois Casualty Company | OR | A | ILCC-135079829 |
| Sep 16, 2026 | ZNAT Insurance Company | CT | A | ZICO-135090521 |
| Aug 18, 2026 | RLI Insurance Company | CO | A | RLSC-135057018 |
| Jul 1, 2026 | Acuity, A Mutual Insurance Company | CO | Original | ACUT-134982793 |
| Jun 30, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | A | CNAB-135003197 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | Original | NWPP-135003409 |
| Jun 30, 2026 | National Casualty Company | CO | Original | NWPP-135004216 |
| Jun 25, 2026 | American National Property And Casualty Company | CO | Original | ANPC-134996042 |
| Jun 24, 2026 | Atlantic Specialty Insurance Companyand 2 more | CO | Original | BEAC-134978198 |
| Jun 23, 2026 | Allmerica Financial Alliance Insurance Companyand 5 more | CO | Original | HNVX-134968029 |
| Jun 23, 2026 | AXA XL Insurance Company Americasand 3 more | CO | A | XLAM-134996276 |
| Jun 17, 2026 | Berkley National Insurance Companyand 5 more | CO | A | BNIC-134990058 |
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 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
- WC 00 03 01 Alternate Employer Endorsement