Continental Indemnity Company’s average rate increase by +6.06% — effective 9/1/2026
09/16/2026
Continental Indemnity 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 |
|---|
| Continental Indemnity Company | 7.42 | 7.87 | +6.06% |
*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 Continental Indemnity 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 |
|---|
| 9008 - Janitorial Services | 12.23 | 13.20 | +7.93% |
| 5403 - Carpentry–low wage | 19.60 | 20.89 | +6.58% |
| 3724 - Millwright Work | 7.16 | 7.33 | +2.37% |
| 5552 - Roofing–low wage | 36.71 | 36.03 | -1.85% |
| 3643 - Electric Power/Transmission Equip Mfg | 2.89 | 2.62 | -9.34% |
| 5553 - Roofing–high wage | 23.53 | 20.95 | -10.96% |
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.