Pie Insurance Company’s average rate increase by +10.01% — effective 12/1/2026
11/12/2026
Pie Insurance Company has filed new California workers’ compensation base rates with the California Department of Insurance for policies effective December 1, 2026.
How are average rates changing?
| Issuing Company | Average Rate
12/1/2025 | Average Rate
12/1/2026 | % Change |
|---|
| Pie Insurance Company | 6.69 | 7.36 | +10.01% |
*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 Pie Insurance Company’s individual advisory rates are changing compared with the prior policy period.
| Class – Description | Advisory Rate
12/1/2025 | Advisory Rate
12/1/2026 | % Change |
|---|
| 5474 - Painting/Decorating–low wage | 13.24 | 16.50 | +24.62% |
| 42 - Landscape Gardening | 8.27 | 9.01 | +8.95% |
| 9080 - Restaurants – full service | 3.95 | 4.06 | +2.78% |
| 8017 - Stores–retail | 4.27 | 4.05 | -5.15% |
| 5187 - Plumbing–high wage | 4.45 | 3.96 | -11.01% |
| 8834 - Physicians’ Practices/Outpatient Clinics | 1.44 | 1.25 | -13.19% |
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.