National Liability & Fire Insurance Company’s average rate increase by +15.00% — effective 11/1/2026
10/29/2026
National Liability & Fire 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 |
|---|
| National Liability & Fire Insurance Company | 7.80 | 8.97 | +15.00% |
*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 National Liability & Fire 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 |
|---|
| 7219 - Trucking Firms | 11.16 | 14.42 | +29.21% |
| 7721 - Detective/Private Investigative Agencies | 7.60 | 9.47 | +24.61% |
| 5403 - Carpentry–low wage | 21.06 | 23.80 | +13.01% |
| 50 - Farm Machinery Operation | 11.40 | 11.21 | -1.67% |
| 5213 - Concrete Construction | 10.37 | 10.17 | -1.93% |
| 5538 - Sheet Metal Work–low wage | 12.79 | 11.57 | -9.54% |
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.