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
2,524
Carriers
184
Avg impact
-4.1%
Max increase
+55.4%
Max decrease
-66.4%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| IL | 156 | -2.2% |
| GA | 145 | -7.6% |
| MO | 144 | +0.5% |
| SC | 140 | -1.0% |
| TX | 136 | -4.2% |
| MI | 121 | -4.6% |
| MN | 121 | -4.9% |
| AR | 111 | -7.8% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Transit GEN Group1 states | +26.9% | 1 |
| Arrow Mutual Liability Insurance Company3 states | +16.8% | 3 |
| Rural Trust Insurance Company10 states | -15.1% | 11 |
| Michigan Commercial Insurance Mutual4 states | -14.4% | 6 |
| Cedar Insurance Company1 states | -12.0% | 1 |
| 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 |
|---|---|---|---|---|---|
| Sep 17, 2025 | Chubb Limited Group | MD | -Wc-2026774 | -66.4% | n/a |
| Sep 15, 2025 | Chubb Limited Group | UT | Workers' Compensation | -61.0% | n/a |
| 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 |
| Aug 27, 2025 | Chubb Limited Group | MN | Workers' Compensation | -58.0% | 0.0% |
| 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% |
| Jul 24, 2025 | WR Berkley Corporation Group | MI | Workers Compensation | +55.4% | +55.4% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Workers Compensation and Employers Liability | ICW Group Assets Incorporated Group | Revised | 195 | Jun 24, 2026 |
| Hdi Global Workers Compensation | Hannover Group | Revised | 15 | Jun 23, 2026 |
| Workers Compensation | Triangle Insurance Company, Inc. | Other | 15 | Jun 23, 2026 |
| Workers' Compensation Rate Filing | Fairfax Financial Group | Revised | 15 | Jun 23, 2026 |
| Workers' Compensation | Progressive Group | Revised | 14 | Jun 23, 2026 |
| TRIA | Arch Insurance Group | Revised | 9 | Jun 23, 2026 |
Top carriers
American Financial Group543
Zurich Insurance Group414
Travelers Group301
Berkshire Hathaway Group291
Markel Corporation Group264
OLD Republic Group254
WR Berkley Corporation Group251
Amtrust Financial Services Group232
Top states
MO1,016
MN752
IL454
HI387
GA352
AR347
CA274
TX252