ZNAT Insurance Company’s average rate increase by +5.83% — effective 9/1/2026
09/09/2026
ZNAT Insurance Company has filed new California workers’ compensation base rates with the California Department of Insurance for policies effective September 1, 2026.
How are average rates changing?
| Issuing Company | Average Rate
9/1/2025 | Average Rate
9/1/2026 | % Change |
|---|
| ZNAT Insurance Company | 8.06 | 8.53 | +5.83% |
*Average rate calculation does not include per capita or per race rates (7707 – Firefighters – volunteers, 7722 – Police, Sheriffs – volunteers, or 8278 – Jockeys).
Does the average change apply to every policy?
Not necessarily. A carrier’s average rate change provides useful context, but individual class rates may move differently. The effect on a specific policy depends on the classifications and exposures involved.
The examples below show how some of ZNAT Insurance Company’s individual advisory rates are changing compared with the prior policy period.
| Class – Description | Advisory Rate
9/1/2025 | Advisory Rate
9/1/2026 | % Change |
|---|
| 45 - Orchards–nut crops | 8.06 | 8.98 | +11.41% |
| 9080 - Restaurants – full service | 4.43 | 4.87 | +9.93% |
| 8834 - Physicians’ Practices/Outpatient Clinics | 1.31 | 1.37 | +4.58% |
| 40 - Vineyards | 6.98 | 6.79 | -2.72% |
| 50 - Farm Machinery Operation | 9.61 | 8.92 | -7.18% |
| 171 - Field Crops | 10.25 | 9.04 | -11.80% |
What does this mean for an individual account?
The average rate increase is only a starting point. To understand the potential effect on a specific policy, review the applicable classifications and compare how those rates changed.
With WorkCompare, users can generate a Pre-Quote Estimate to evaluate how current rate changes may affect potential pricing before formal quotes arrive.