Commerce & Industry Insurance Company’s average rate increase by +1.26% — effective 9/1/2026
10/01/2026
Commerce & Industry 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 |
|---|
| Commerce & Industry Insurance Company | 9.56 | 9.68 | +1.26% |
*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 Commerce & Industry 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 |
|---|
| 7721 - Detective/Private Investigative Agencies | 9.11 | 10.23 | +12.29% |
| 4828 - Chemical Mixing/Repackaging | 7.13 | 7.62 | +6.87% |
| 8834 - Physicians’ Practices/Outpatient Clinics | 2.05 | 2.06 | +0.49% |
| 4829 - Chemical Mfg | 4.32 | 4.28 | -0.93% |
| 3724 - Millwright Work | 9.22 | 9.01 | -2.28% |
| 5213 - Concrete Construction | 12.43 | 10.98 | -11.67% |
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.