AmGUARD Insurance Company’s average rate increase by +0.41% — effective 10/1/2026
10/13/2026
AmGUARD Insurance Company has filed new California workers’ compensation base rates with the California Department of Insurance for policies effective October 1, 2026.
How are average rates changing?
| Issuing Company | Average Rate
10/1/2025 | Average Rate
10/1/2026 | % Change |
|---|
| AmGUARD Insurance Company | 7.25 | 7.28 | +0.41% |
*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 AmGUARD Insurance Company’s individual advisory rates are changing compared with the prior policy period.
| Class – Description | Advisory Rate
10/1/2025 | Advisory Rate
10/1/2026 | % Change |
|---|
| 8060 - Stores–wine/beer/spirits–retail | 2.66 | 2.90 | +9.02% |
| 8389 - Auto/Truck Repair Facilities | 4.86 | 5.18 | +6.58% |
| 9080 - Restaurants – full service | 4.21 | 4.45 | +5.70% |
| 8803 - Auditing/Accounting/Management Consultng | 0.15 | 0.15 | 0.00% |
| 8017 - Stores–retail | 4.56 | 4.46 | -2.19% |
| 8061 - Stores–groceries–convenience–retail | 7.37 | 7.14 | -3.12% |
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.