Cypress Insurance Company’s average rate increase by +5.92% — effective 9/1/2026
09/25/2026
Cypress 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 |
|---|
| Cypress Insurance Company | 8.62 | 9.13 | +5.92% |
*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 Cypress 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 |
|---|
| 8868 - Colleges/Schools–private–professionals | 1.33 | 1.56 | +17.29% |
| 8827 - Home Care Services | 5.06 | 5.63 | +11.26% |
| 42 - Landscape Gardening | 10.68 | 11.24 | +5.24% |
| 79 - Strawberry Crops | 5.06 | 4.94 | -2.37% |
| 40 - Vineyards | 7.56 | 7.37 | -2.51% |
| 5187 - Plumbing–high wage | 5.75 | 5.51 | -4.17% |
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.