Deviation and Schedule Credit Plans

Some workers’ compensation insurance companies charge rates that are less than the approved standard rates.

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.

CompanyEffectiveProgram Description / Rate Deviations
ACADIA9/1/2024CONTINENTAL WESTERN INS. CO.: -7%  DEV.; UNION INS. CO.: -12% DEV.
ACE (CHUBB) 9/1/2024CHUBB 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.
AIM9/1/2024A.I.M. MUTUAL INS. CO.: -10% DEV.; MASS. EMPLOYERS INS. CO.:-15% DEV. 
ALLIANZ (American Auto)9/1/2024NATIONAL SURETY CORP: -15% DEV.; FIREMAN'S FUND INS. CO.: -20% DEV.
AMERISURE 9/1/2024AMERISURE MUTUAL INS. CO., AMERISURE INSURANCE CO. & AMERISURE PARTNERS INS. CO.: EXP. CONST. OF $64 REGARDLESS OF RISK SIZE
AmTrust NGH Grp 1 (Technology)1/1/2026AMTRUST 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)7/1/2025PARK NAT. INS. CO.: -5% DEV; REPUBLIC FIRE AND CAS. INS. CO.: -15% DEV.
ARBELLA9/1/2024ARBELLA INDEMNITY INS. CO.: -5%
ARGONAUT 
 
9/1/2024ARGONAUT INSURANCE CO. AND ARGONAUT MIDWEST INS. CO.: 25% MAX. SCHED. CRED. FOR PLAN A & 10% MAX. SCHED. CRED. FOR PLAN B.
ARROW MUTUAL9/1/2024Min 0.7 and Max 1.1 premium factors on standard retrospective rating plan formula.
Atlantic Charter9/1/2024ATLANTIC CHARTER INS. CO.: -10%, -15% OR -25% DEV. DEPENDING ON CLASS; INDEPENDENCE CASUALTY CO.: -5%, -15% OR -20% DEV., DEPENDING ON CLASS.
Beacon Mutual5/15/2025MAXIMUM SCHEDULE CREDIT OF 25%
BERKSHIRE HATHAWAY (NATIONAL LIBILITY & FIRE INS CO) 9/1/2024BERKSHIRE HATHAWAY DIRECT INS. CO: -7.5% DEV; WELLFLET INS. CO.: -15% DEV., & 5% Schedule credit.
BRICKSTREET MUTUAL (Motorists)9/1/2024NORTHSTONE 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)9/1/2024ALL AMER. INS. CO.:-15% DEV.
CINCINNATI9/1/2024THE CINCINNATI CAS. CO: -10% DEV.; THE CINCINNATI INS. CO.:-15% DEV.
CNA (CONTINENTAL)9/1/2024VALLEY FORGE INS. CO.: -5% DEV.; AMER. CASUALTY CO. OF READING, PA: -10% DEV.; CONTINENTAL INS. CO.: -20% DEV.
CONCORD GENERAL (GREEN MOUNTAIN)9/1/2024VERMONT 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)7/1/2025MAXIMUM SCHEDULE CREDIT OF 25%
CRUM & FORSTER9/1/2024NORTH RIVER INS. CO.: -15% DEV.
EMC9/1/2024EMCASCO INS. CO.: -15% DEV.; UNION INS. CO. OF PROVIDENCE: -25% DEV.
EMC (Illinois)4/1/2026ILLINOIS EMCASCO INS. CO.: -15% DEV.
EVEREST 9/1/2024EVEREST PREMIER INS. CO.:  -10%
FEDERATED 9/1/2024FEDERATED MUTUAL INS. CO.: 0% OR -5% DEV., FEDERATED SERVICE INS. CO.: -10% OR -15% DEV., ALL DEPENDING ON CLASS.
GREAT AMERICAN9/1/2024GREAT AMER. ALLIANCE INS. CO.: -10% DEV.
GREAT WEST CASUALTY9/1/2024REDUCTION IN CERTAIN EXPENSE CONSTANTS & WAIVER OF RIGHT ON SUBRO.
GUARD 8/1/2024AMGUARD INS. CO.: -5% DEV.; EASTGUARD INS. CO.: -10% DEV.; AND AVAILABLE 5% SCHED CRED. IN ALL COS.
GUIDEONE9/1/2024GUIDEONE ELITE INS. (GEI): -14% DEV.
HANOVER7/1/2025HANOVER 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 9/1/2024HARTFORD 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 9/1/20248% MAX. SCHED. CRED.
LIBERTY  (Commercial)9/1/2024LIBERTY 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)9/1/2024OHIO SECURITY INS. CO.: -5% DEV.; WEST AMER. INS. CO.: -10% DEV.; AMER. FIRE & CASUALTY CO.: -25% DEV.;  
MARKEL (FIRSTCOMP)9/1/2024MARKEL 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)10/10/2025STATE NATIONAL INS. CO.: 25% MAX. SCHED. CRED.
MEMIC9/1/2024MEMIC INDEMNITY CO. AND MAINE EMPLOYERS MUTUAL: 0% OR -10% DEPENDING ON CLASS
MERCHANTS9/1/2024MERCHANTS PREFERRED INS. CO.: -10% DEV.
MS&AD (MITSUI)9/1/2024MITSUI SUMITOMO INS. CO. OF AMER.: -10% DEV.
OLD REPUBLIC 9/1/2024OLD REPUBLIC GENERAL INS. CORP.: 25% MAX. SCHED. CRED.
ONE BEACON (ATLANTIC SPECIALTY)2/1/2026OBI AMERICA INS. CO.: -5% DEV.; ATLANTIC SPECIALTY INS. CO.: -25% DEV.
PMA Grp. 9/1/2024PENNSYLVANIA MFRS. ASSO. INS. CO. (PMA): -15% DEV; PENNSYLVANIA MFRS. IND. CO. (PMI): -25% DEV;
PROASSURANCE GRP. (EASTERN ALLIED)8/1/2024EASTERN ALLIANCE INS. CO.: -10% DEV; EASTERN ADV. ALLIANCE CO.: -22% DEV.
QBE Grp.7/1/2025NORTH POINTE INS. CO.:  -10% DEV.; STONINGTON INS. CO.: -20% DEV.
SELECTIVE9/1/2024SELECTIVE 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 9/1/2024FLORISTS' MUTUAL: -5% DEV; MIDDLESEX INS. CO.: -10% DEV.; PATRIOT GENERAL INS. CO.: -20% DEV.
SERVICE LLOYDS 9/1/2024SERVICE AMER. IND. CO.: -7% DEV.; SERVICE LLOYDS INS. CO.: -15% DEV.
SOMPO 9/1/2024SOMPO AMER. FIRE & MARINE INS. CO: -15% DEV.
STARR SPECIALTY12/1/2024STARR SPECIALTY INS. CO.: -10% DEV.
STATE AUTO9/1/2024STATE AUTO PROPERTY AND CASULTY INS. CO.: -15% DEV.; PATRONS MUTUAL INS. CO: -25% DEV.
TRAVELERS9/1/2024TRAVELERS 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 NATIONAL9/1/2024GRAPHIC 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 9/1/2024TRI-STATE INS CO. OF MINN.: -15% DEV.; BERKLEY NATL INS. CO.: -25% DEV.
XL AMERICA9/1/2024XL INS. AMER. INC.: -10% DEV.
ZURICH9/1/2024AMER. GUARANTEE AND LIABILITY INS. CO.: -15% DEV.; AMER. ZURICH INS. CO.: -25% 

Help Us Improve Mass.gov  with your feedback

Please do not include personal or contact information.
Feedback