Federal Insurance Company’s average rate increase by +16.67% — effective 11/1/2026
10/28/2026
Federal Insurance Company has filed new California workers’ compensation base rates with the California Department of Insurance for policies effective November 1, 2026.
How are average rates changing?
| Issuing Company | Average Rate
11/1/2025 | Average Rate
11/1/2026 | % Change |
|---|
| Federal Insurance Company | 7.92 | 9.24 | +16.67% |
*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 Federal Insurance Company’s individual advisory rates are changing compared with the prior policy period.
| Class – Description | Advisory Rate
11/1/2025 | Advisory Rate
11/1/2026 | % Change |
|---|
| 9610 - Motion Pictures–production | 3.02 | 3.89 | +28.81% |
| 8018 - Stores–wholesale | 10.45 | 12.74 | +21.91% |
| 8859 - Computer Programming/Software Developmnt | 0.01 | 0.01 | 0.00% |
| 8803 - Auditing/Accounting/Management Consultng | 0.14 | 0.13 | -7.14% |
| 8871 - Clerical Telecommuter Employees - N.O.C. | 0.21 | 0.17 | -19.05% |
| 8820 - Law Firms | 0.20 | 0.15 | -25.00% |
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.