NCCI Loss Costs Accepted with 3.8% Decrease for Workers' Compensation

TX Insurance Commissioner Bulletins

Published July 1st, 2026

Detected February 27th, 2026

Summary

The Texas Department of Insurance (TDI) has accepted the NCCI advisory loss cost filing, resulting in an average 3.8% decrease for workers' compensation insurance, effective July 1, 2026. Insurance companies writing workers' compensation in Texas must submit rate filings by June 1, 2026, using the new loss costs.

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What changed

The Texas Department of Insurance (TDI) has accepted the National Council on Compensation Insurance (NCCI) advisory loss cost filing, which introduces an overall average 3.8% decrease to current loss costs, effective July 1, 2026. This action mandates that insurance companies writing workers' compensation policies with an effective date on or after July 1, 2026, must use either their own independent classification relativities or the new NCCI advisory loss costs. Prior years' loss costs or relativities are prohibited for new policies.

Insurance companies currently writing workers' compensation in Texas and intending to continue doing so after July 1, 2026, are required to submit a rate filing to TDI no later than June 1, 2026. This filing must be submitted via SERFF and include specific information as outlined by TDI. Companies planning to write their first workers' compensation policy with an effective date on or after July 1, 2026, must submit their rate filing at least 30 days prior to the policy's effective date. Failure to comply with these filing requirements may result in regulatory action.

Source document (simplified)

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February 27, 2026

To:
All insurance companies writing workers' compensation and employers' liability insurance in Texas

Re:
Revised NCCI advisory loss costs—instructions on making rate filings

The Texas Department of Insurance (TDI) accepted the National Council on Compensation Insurance (NCCI) advisory loss cost filing (SERFF Tracking No. NCCI-134745334, State Tracking No. S734384) with an effective date of July 1, 2026. This filing proposes an overall average 3.8% decrease to the current loss cost level. These and prior years' loss costs are available for review in the Texas workers' compensation rate guide on TDI's website.

For all workers' compensation policies with an effective date on or after July 1, 2026, insurance companies must use one of the following rate bases:

their own independent, insurer-specific classification relativities; or
NCCI advisory loss costs, effective July 1, 2026. For policies with an effective date on or after July 1, 2026, insurance companies may not base their rates on the NCCI loss costs from July 1, 2025, or any prior year's loss costs or relativities.

Actions required

Insurance Code Section 2053.003 requires each insurance company to file with TDI all rates, supplementary rating information, and reasonable and pertinent supporting information for risks written in Texas. Insurance companies' rate filings should use the most recently available data and information.

Insurance companies that currently write workers' compensation insurance and plan to continue writing that coverage on or after July 1, 2026, should submit a rate filing no later than June 1, 2026. The rate filing must be submitted in SERFF and should contain the information specified in the attached Summary of Actions Required by Insurance Companies 2026, including the Notice of Carrier Intent and Certification.

An insurance company that is not currently writing workers' compensation insurance but plans to write its first policy with an effective date on or after July 1, 2026, should send its rate filing to TDI at least 30 days before the effective date of its first policy.

Filing forms and exhibits

The Property and Casualty Filings Made Easy (FME) Guide is an aid for making rate filings in Texas. Insurance companies may provide the required information using the current versions of the exhibits in the FME Guide or they may use their own exhibits and formats. Property and casualty insurance companies must comply with the filing requirements in Title 28, Texas Administrative Code, Part 1, Chapter 5, Subchapter M, Division 6. Section 5.9334 addresses the requirements for each rate filing submission. Each requirement is detailed, along with other categories of information that may be requested, in Section 5.9332.

TDI contact

For more information, contact David Boon in the Property and Casualty Division – Property and Casualty Actuarial Office at 512-676-6700 or pcactuarial@tdi.texas.gov.

Attachments

Summary of Actions Required by Insurance Companies 2026 Notice of Carrier Intent and Certification

For more information, contact: ChiefClerk@tdi.texas.gov

Last updated:
2/27/2026