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
2,242
Carriers
169
Avg impact
-3.2%
Max increase
+39.7%
Max decrease
-52.5%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 147 | -8.0% |
| SC | 141 | -1.0% |
| TX | 136 | -4.1% |
| IL | 130 | -1.5% |
| AR | 118 | -7.9% |
| MI | 115 | -2.0% |
| TN | 106 | +0.0% |
| RI | 95 | -3.3% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Cimarron Insurance Company, Inc.6 states | -12.2% | 6 |
| Louisiana Workers Compensation Group31 states | -11.9% | 39 |
| Hastings Insurance Company3 states | -10.8% | 5 |
| Gearson Partners Holdings Group3 states | -10.7% | 4 |
| FCBI Group5 states | -9.3% | 5 |
| Rural Trust Insurance Company10 states | -9.1% | 10 |
| Lion Insurance Company8 states | -8.4% | 9 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 9, 2026 | Rural Trust Insurance Company | NM | Workers Compensation | -59.7% | n/a |
| Jan 28, 2026 | Chubb Limited Group | NC | Workers Compensation | -53.5% | n/a |
| Mar 20, 2026 | THE Hanover Insurance Group | MI | Cl Workers Compensation 26 | -52.5% | -52.5% |
| Nov 25, 2025 | Chubb Limited Group | AK | Workers' Compensation | -47.5% | n/a |
| May 28, 2026 | Selective Insurance Group | NV | Workers Compensation Rates | -42.1% | -41.8% |
| May 6, 2026 | Westfield Group | NV | Cl Workers' Comp | -41.7% | -37.5% |
| Jul 21, 2026 | Berkshire Hathaway Group | PA | Workers Compensation | +39.7% | +16000.0% |
| Apr 28, 2026 | Central Mutual Insurance Company Group | NM | Workers Compensation Program | -39.5% | -39.5% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Workers Compensation | Sompo Group | Revised | 93 | Nov 10, 2026 |
| Workers' Compensation Program | Church Mutual Group | Revised | 79 | Nov 10, 2026 |
| Workers Compensation | Federated Mutual Group | Revised | 55 | Nov 10, 2026 |
| Workers Compensation | Farmers Insurance Group | Revised | 48 | Nov 10, 2026 |
| Workers Compensation - Farmers | Farmers Insurance Group | Revised | 20 | Nov 10, 2026 |
| Workers Compensation | WCF Insurance Company Group | Revised | 11 | Nov 10, 2026 |
Top carriers
Top states
MO984
MN707
AR430
IL416
GA364
HI356
CA259
MI257