An employer’s eligibility to be written by a particular insurance company depends on whether the company group chooses to write the employer in the first place, and on whether the employer meets the underwriting standards necessary to be placed in one of the group’s member companies that write at a lower premium rate level (rate deviation).
The table below shows the name of the company group offering rate reductions, the date the current deviation plan or schedule rating plan came into effect, and the maximum rate reduction potentially offered by insurance companies that are members of each group. Some of the insurance companies in the table below offer a percentage rate reduction if the policyholder takes specific loss control measures (schedule rating).
Rate deviations are not available in the Assigned Risk Pool.
| Company | Effective | Program Description / Rate Deviations |
|---|---|---|
| ACADIA | 9/1/2024 | CONTINENTAL WESTERN INS. CO.: -7% DEV.; UNION INS. CO.: -12% DEV. |
| ACE (CHUBB) | 9/1/2024 | CHUBB INDEMNITY INS. CO.: -10% DEV.; GREAT NORTHERN INS. CO.: -10% DEV.; ACE FIRE UNDERWRITERS INS. CO.: -15% DEV.; PACIFIC INDEMNITY CO.: -20%; INDEMNITY INS. CO. OF NORTH AMERICA: -25% DEV.; CHUBB NATL. INS. CO.: -25% DEV. |
| AIM | 9/1/2024 | A.I.M. MUTUAL INS. CO.: -10% DEV.; MASS. EMPLOYERS INS. CO.:-15% DEV. |
| ALLIANZ (American Auto) | 9/1/2024 | NATIONAL SURETY CORP: -15% DEV.; FIREMAN'S FUND INS. CO.: -20% DEV. |
| AMERISURE | 9/1/2024 | AMERISURE MUTUAL INS. CO., AMERISURE INSURANCE CO. & AMERISURE PARTNERS INS. CO.: EXP. CONST. OF $64 REGARDLESS OF RISK SIZE |
| AmTrust NGH Grp 1 (Technology) | 1/1/2026 | AMTRUST INS. CO.: -5% DEV; TECHNOLOGY INS. CO.: -15% DEV; SECURITY NAT. INS. CO.: -20% DEV.; SEQUOIA INS. CO.: -25% DEV. |
| AmTrust NGH Grp 2 (Rochdale) | 7/1/2025 | PARK NAT. INS. CO.: -5% DEV; REPUBLIC FIRE AND CAS. INS. CO.: -15% DEV. |
| ARBELLA | 9/1/2024 | ARBELLA INDEMNITY INS. CO.: -5% |
| ARGONAUT | 9/1/2024 | ARGONAUT INSURANCE CO. AND ARGONAUT MIDWEST INS. CO.: 25% MAX. SCHED. CRED. FOR PLAN A & 10% MAX. SCHED. CRED. FOR PLAN B. |
| ARROW MUTUAL | 9/1/2024 | Min 0.7 and Max 1.1 premium factors on standard retrospective rating plan formula. |
| Atlantic Charter | 9/1/2024 | ATLANTIC CHARTER INS. CO.: -10%, -15% OR -25% DEV. DEPENDING ON CLASS; INDEPENDENCE CASUALTY CO.: -5%, -15% OR -20% DEV., DEPENDING ON CLASS. |
| Beacon Mutual | 5/15/2025 | MAXIMUM SCHEDULE CREDIT OF 25% |
| BERKSHIRE HATHAWAY (NATIONAL LIBILITY & FIRE INS CO) | 9/1/2024 | BERKSHIRE HATHAWAY DIRECT INS. CO: -7.5% DEV; WELLFLET INS. CO.: -15% DEV., & 5% Schedule credit. |
| BRICKSTREET MUTUAL (Motorists) | 9/1/2024 | NORTHSTONE INS. CO.: -5%; MOTORISTS COMM. MUT. INS. CO.: -10%; BRICKSTREET MUT. INS. CO.: -15%; SUMMERPOINT INS. CO.: -20%. |
| BROTHERHOOD MUTUAL | 9/1/2024 | -10% DEV. |
| CENTRAL MUTUAL (ALL AMERICA) | 9/1/2024 | ALL AMER. INS. CO.:-15% DEV. |
| CINCINNATI | 9/1/2024 | THE CINCINNATI CAS. CO: -10% DEV.; THE CINCINNATI INS. CO.:-15% DEV. |
| CNA (CONTINENTAL) | 9/1/2024 | VALLEY FORGE INS. CO.: -5% DEV.; AMER. CASUALTY CO. OF READING, PA: -10% DEV.; CONTINENTAL INS. CO.: -20% DEV. |
| CONCORD GENERAL (GREEN MOUNTAIN) | 9/1/2024 | VERMONT ACC. INS. CO.: -7% DEV.; GREEN MONTAIN INS. CO.: -12% DEV.; SUNAPEE MUT. INS. CO.: -18% DEV.; STATE MUT. INS. CO,; -25% DEV. |
| CORE SPECIALTY (STARSTONE) | 7/1/2025 | MAXIMUM SCHEDULE CREDIT OF 25% |
| CRUM & FORSTER | 9/1/2024 | NORTH RIVER INS. CO.: -15% DEV. |
| EMC | 9/1/2024 | EMCASCO INS. CO.: -15% DEV.; UNION INS. CO. OF PROVIDENCE: -25% DEV. |
| EMC (Illinois) | 4/1/2026 | ILLINOIS EMCASCO INS. CO.: -15% DEV. |
| EVEREST | 9/1/2024 | EVEREST PREMIER INS. CO.: -10% |
| FEDERATED | 9/1/2024 | FEDERATED MUTUAL INS. CO.: 0% OR -5% DEV., FEDERATED SERVICE INS. CO.: -10% OR -15% DEV., ALL DEPENDING ON CLASS. |
| GREAT AMERICAN | 9/1/2024 | GREAT AMER. ALLIANCE INS. CO.: -10% DEV. |
| GREAT WEST CASUALTY | 9/1/2024 | REDUCTION IN CERTAIN EXPENSE CONSTANTS & WAIVER OF RIGHT ON SUBRO. |
| GUARD | 8/1/2024 | AMGUARD INS. CO.: -5% DEV.; EASTGUARD INS. CO.: -10% DEV.; AND AVAILABLE 5% SCHED CRED. IN ALL COS. |
| GUIDEONE | 9/1/2024 | GUIDEONE ELITE INS. (GEI): -14% DEV. |
| HANOVER | 7/1/2025 | HANOVER INS. CO,: -5% DEV., MASS BAY INS. CO.: -10% DEV., CITIZENS INS. CO. OF AMER.: -15% DEV.; HANOVER AMER.INS. CO.: -20% DEV.; ALLMERICA FINANCIAL BENEFIT INS. CO: -25% DEV. |
| HARTFORD | 9/1/2024 | HARTFORD FIRE: -5% DEV.; HARTFORD OF THE MIDWEST: -10% DEV.; HARTFORD ACCIDENT AND INDEMNITY CO.: -15% DEV; HARTFORD UNDERWITERS INS. CO.: -20% DEV; SENTINEL INS. CO., LTD.: -25% DEV. |
| INCLINE | 9/1/2024 | 8% MAX. SCHED. CRED. |
| LIBERTY (Commercial) | 9/1/2024 | LIBERTY MUT. FIRE INS. CO.: -7% DEV.; THE FIRST LIBERTY INS. CORP.: -15% DEV.; LIBERTY INS. CORP.: -20% DEV.; LM INS. CORP.: -25% DEV. |
| LIBERTY (eCLIQ) | 9/1/2024 | OHIO SECURITY INS. CO.: -5% DEV.; WEST AMER. INS. CO.: -10% DEV.; AMER. FIRE & CASUALTY CO.: -25% DEV.; |
| MARKEL (FIRSTCOMP) | 9/1/2024 | MARKEL INS. CO: 0% OR -2% DEV.; FIRSTCOMP INS. CO.: 0% OR -5% DEV.; MARKEL AMER. INS. CO.: 0% OR -10% DEV., ALL DEPENDING ON CLASS |
| MARKEL (State National) | 10/10/2025 | STATE NATIONAL INS. CO.: 25% MAX. SCHED. CRED. |
| MEMIC | 9/1/2024 | MEMIC INDEMNITY CO. AND MAINE EMPLOYERS MUTUAL: 0% OR -10% DEPENDING ON CLASS |
| MERCHANTS | 9/1/2024 | MERCHANTS PREFERRED INS. CO.: -10% DEV. |
| MS&AD (MITSUI) | 9/1/2024 | MITSUI SUMITOMO INS. CO. OF AMER.: -10% DEV. |
| OLD REPUBLIC | 9/1/2024 | OLD REPUBLIC GENERAL INS. CORP.: 25% MAX. SCHED. CRED. |
| ONE BEACON (ATLANTIC SPECIALTY) | 2/1/2026 | OBI AMERICA INS. CO.: -5% DEV.; ATLANTIC SPECIALTY INS. CO.: -25% DEV. |
| PMA Grp. | 9/1/2024 | PENNSYLVANIA MFRS. ASSO. INS. CO. (PMA): -15% DEV; PENNSYLVANIA MFRS. IND. CO. (PMI): -25% DEV; |
| PROASSURANCE GRP. (EASTERN ALLIED) | 8/1/2024 | EASTERN ALLIANCE INS. CO.: -10% DEV; EASTERN ADV. ALLIANCE CO.: -22% DEV. |
| QBE Grp. | 7/1/2025 | NORTH POINTE INS. CO.: -10% DEV.; STONINGTON INS. CO.: -20% DEV. |
| SELECTIVE | 9/1/2024 | SELECTIVE INS. CO. OF AMER. (SICA): -5% DEV.; SELECTIVE INS. CO. OF NEW YORK (SICNY): -10% DEV.; SELECTIVE INS. CO. OF SOUTH CAROLINA (SICSC): -15% DEV. |
| SENTRY | 9/1/2024 | FLORISTS' MUTUAL: -5% DEV; MIDDLESEX INS. CO.: -10% DEV.; PATRIOT GENERAL INS. CO.: -20% DEV. |
| SERVICE LLOYDS | 9/1/2024 | SERVICE AMER. IND. CO.: -7% DEV.; SERVICE LLOYDS INS. CO.: -15% DEV. |
| SOMPO | 9/1/2024 | SOMPO AMER. FIRE & MARINE INS. CO: -15% DEV. |
| STARR SPECIALTY | 12/1/2024 | STARR SPECIALTY INS. CO.: -10% DEV. |
| STATE AUTO | 9/1/2024 | STATE AUTO PROPERTY AND CASULTY INS. CO.: -15% DEV.; PATRONS MUTUAL INS. CO: -25% DEV. |
| TRAVELERS | 9/1/2024 | TRAVELERS INDEMNITY CO. OF AMER.: -2% DEV.; CHARTER OAK FIRE INS. CO.: -7% DEV.; PHOENIX INS. CO.: -12% DEV.; TRAVELERS PROPERTY CASUALTY CO. OF AMER.: -17% DEV.; TRAVELERS INDEMNITY CO: -22% DEV.; TRAVELERS CASUALTY AND SURETY CO.: -25% DEV. |
| UTICA NATIONAL | 9/1/2024 | GRAPHIC ARTS MUTUAL INS. CO: -5% DEV.; REPUBLIC-FRANKLIN INS. CO.: -10% DEV.; UTICA NATIONAL INS. OF OHIO: -15% DEV.; UTICA NATIONAL ASSURANCE CO.: -20% DEV.; UTICA NATIONAL INS. OF TEX.: -25% DEV. |
| WR BERKLEY | 9/1/2024 | TRI-STATE INS CO. OF MINN.: -15% DEV.; BERKLEY NATL INS. CO.: -25% DEV. |
| XL AMERICA | 9/1/2024 | XL INS. AMER. INC.: -10% DEV. |
| ZURICH | 9/1/2024 | AMER. GUARANTEE AND LIABILITY INS. CO.: -15% DEV.; AMER. ZURICH INS. CO.: -25% |