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The Texas Department of Insurance said in a March 28 bulletin that it accepted the National Council on Compensation Insurance (NCCI) advisory loss cost filing proposal of an overall average decrease of 11.5% to the current loss cost level. The filing has an effective date of July 1, 2025.

These and prior years’ loss costs are available for review in the on TDI’s website.

The loss costs reflect revisions to certain classifications as detailed in NCCI Item 01-TX-2024, which can be found in the

For all workers’ compensation policies written with an effective date on or after July 1, 2024, insurance companies must use one of the following rate bases:

(1) their own independent, insurer-specific classification relativities; or
(2) NCCI loss costs effective July 1, 2025.

For policies with an effective date on or after July 1, 2025, insurance companies may not base their rates on the NCCI loss costs from July 1, 2024, or any prior year’s loss costs or relativities.

The Texas Insurance Code 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, 2025, should submit a rate filing no later than June 1, 2025. The rate filing must be submitted in SERFF and should contain the information specified in the attached Summary of Actions Required by Insurance Companies 2025, 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, 2025, should send its rate filing to TDI at least 30 days before the effective date of its first policy.

Source: TDI

Topics Trends Workers' Compensation Pricing Trends