Middlesex Insurance Company’s average rate increase by +6.09% — effective 1/1/2027
11/11/2026
Middlesex Insurance Company has filed new California workers’ compensation base rates with the California Department of Insurance for policies effective January 1, 2027.
How are average rates changing?
| Issuing Company | Average Rate
1/1/2026 | Average Rate
1/1/2027 | % Change |
|---|
| Middlesex Insurance Company | 5.58 | 5.92 | +6.09% |
*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 Middlesex Insurance Company’s individual advisory rates are changing compared with the prior policy period.
| Class – Description | Advisory Rate
1/1/2026 | Advisory Rate
1/1/2027 | % Change |
|---|
| 8018 - Stores–wholesale | 6.94 | 7.71 | +11.10% |
| 4498 - Plastics–injection molded products mfg | 6.77 | 6.95 | +2.66% |
| 3066 - Sheet Metal Products Mfg | 6.32 | 6.35 | +0.47% |
| 3632 - Machine Shops | 3.45 | 3.38 | -2.03% |
| 8046 - Stores–auto/truck parts/accessories | 4.64 | 4.52 | -2.59% |
| 8391 - Auto/Truck Dealers | 4.40 | 4.10 | -6.82% |
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.