Product background
Workers compensation covers employer liability for employee injury, disability, or death as prescribed by state or federal workers compensation law, and includes employer liability coverage.
Workers compensation filings are useful for tracking standard WC forms, employer liability endorsements, alternative or managed care programs, large deductible terms, excess WC, rate-rule filings, bureau exceptions, and state notices.
Common filing signals
- Standard WC policy forms, endorsements, notices, and state amendatory filings
- Employer liability, alternative WC, managed care, large deductible, and excess WC forms
- Rate-rule manuals, loss cost multipliers, experience rating, classification, and bureau-related filings
Rate impact
Filings
2,504
Carriers
181
Avg impact
-4.0%
Max increase
+37.3%
Max decrease
-60.8%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| IL | 154 | -1.8% |
| GA | 153 | -7.7% |
| SC | 140 | -1.0% |
| TX | 136 | -4.0% |
| MO | 123 | +0.3% |
| AR | 117 | -8.0% |
| MI | 114 | -4.7% |
| CT | 104 | -3.5% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Transit GEN Group1 states | +26.9% | 1 |
| National Crop Insurance Services Incorporated1 states | -21.9% | 1 |
| Rural Trust Insurance Company10 states | -15.3% | 11 |
| PCRB1 states | -13.8% | 2 |
| Michigan Commercial Insurance Mutual3 states | -13.4% | 3 |
| Pioneer State Mutual Insurance Company1 states | -11.8% | 1 |
| Hastings Mutual Insurance Company3 states | -11.3% | 6 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Nov 4, 2025 | Chubb Limited Group | CT | Workers' Compensation | -60.8% | 0.0% |
| Jan 9, 2026 | Rural Trust Insurance Company | NM | Workers Compensation | -59.7% | n/a |
| Oct 1, 2025 | Chubb Limited Group | NM | Workers' Compensation | -57.4% | 0.0% |
| Oct 27, 2025 | Chubb Limited Group | IL | Workers' Compensation | -56.2% | 0.0% |
| Jan 28, 2026 | Chubb Limited Group | NC | Workers Compensation | -53.5% | n/a |
| Oct 7, 2025 | BCBS OF MI Group | MI | Workers' Compensation | -53.1% | 0.0% |
| Mar 20, 2026 | THE Hanover Insurance Group | MI | Cl Workers Compensation 26 | -52.5% | -52.5% |
| Mar 19, 2026 | THE Hanover Insurance Group | MI | Cl Workers Compensation 26 | -52.5% | -52.5% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Workers Compensation | Tokio Marine Holdings Incorporated Group | Revised | 83 | Sep 15, 2026 |
| Workers Compensation | Sompo Group | Revised | 81 | Sep 15, 2026 |
| Workers Compensation | Fairfax Financial Group | Revised | 20 | Sep 15, 2026 |
| Workers Compensation - Farmers | Farmers Insurance Group | Revised | 19 | Sep 15, 2026 |
| Workers' Compensation Rate Filing | Fairfax Financial Group | New | 19 | Sep 15, 2026 |
| Workers' Compensation | Coaction Global Incorporated Group | Revised | 15 | Sep 15, 2026 |
Top carriers
American Financial Group556
Zurich Insurance Group424
Berkshire Hathaway Group290
MS & AD Insurance Group274
Markel Corporation Group268
WR Berkley Corporation Group262
OLD Republic Group257
Fairfax Financial Group254
Top states
MO991
MN719
IL434
AR372
GA354
HI318
CA272
TX257