Where does a carrier's filed LCM sit against its state market?
A print-ready competitor comparison for one carrier in one state: published peer percentile and rank, the state's distribution, nearest peers, largest writers and group roll-up, with a SERFF tracking number behind every figure.
One-time $49 per report. No subscription, no account. Delivered on screen immediately.
- Ranked states
- 40
- Carrier-state reports
- 9,007
- Data as of
- 9 Nov 26
LCMs are not comparable across states or across bureaus: each one multiplies its own state bureau's loss costs, so a 1.20 in one state and a 1.20 in another are not the same price. Every report compares a carrier only with carriers in the same state.
Exhibits you can send to a chief actuary
Built for pricing actuaries, product managers and state-filing teams who need a quick, defensible read on a competitor, or on their own company, before a filing, a renewal strategy meeting or a rate review.
- 01Position snapshot
Filed LCM, basis, effective date, SERFF tracking number, written premium, and the published peer percentile and rank among the state's ranked carriers.
- 02State distribution
Every ranked LCM in the state on one exhibit, with the published p25 / median / p75 and the subject marked.
- 03Nearest peers & largest writers
The 10 carriers just below and just above in the same state, plus the five largest by written premium.
- 04Group view
Sibling companies ranked in the same state and their premium-weighted LCM, where filings carry a group code.
- 05Filing history
The subject's prior and pending filings with tracking numbers, and the state's LCMs filed by year.
- 06Honest coverage
Smaller fields get a band, deviation states get a deviation-basis report, and silent-adoption states carry a caveat.
- 07Bureau on every page
Which bureau's loss costs the LCM multiplies, and a reminder that LCMs are never compared across states.
- 08Sources
Every SERFF tracking number used, the release id, and the disclaimer on every page.
Texas Mutual sits just below the Texas median
Texas Mutual Insurance Company files an LCM of 1.693 (SERFF TMIC-134921672, effective 1 Jul 2026) on $945,615,405 of written premium. 49.4% of the 350 ranked Texas carriers file at or below it, against a Texas median of 1.70. Weighted by written premium, 62.8% of ranked Texas premium sits at or below it.
Read all of it, free →| Filed LCM (Texas) | 1.693 |
| Peer percentile (carriers) | 49.4% |
| Rank (1 = lowest LCM) | 173 of 350 |
| Texas median / p25 / p75 | 1.700 / 1.4105 / 2.0875 |
| Peer percentile (premium) | 62.8% |
| Prior filing | 1.693 · TMIC-134541713 |
| Bureau | NCCI |
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All 50 states and DC, from SerffSurf release r7 (data as of 9 Nov 2026), not a live feed
40 loss-cost states are ranked, with 9,007 carrier-state reports you can order across 593 companies. 4 deviation states offer 430 deviation-basis reports. 7 jurisdictions aren't sold, and the reason is given for each. If a state or carrier can't produce a meaningful report, we won't sell it: the order form refuses it before checkout.
LCMs are not comparable across states or across bureaus: each one multiplies its own state bureau's loss costs, so a 1.20 in one state and a 1.20 in another are not the same price. This table lists coverage only. It does not compare LCM levels between states, and no report does either. California is its own scale (WCIRB advisory pure premiums), compared only with other California carriers. Indiana, North Carolina and Michigan allow silent adoption of bureau loss costs, so positions there can lag what carriers charge; those reports carry a caveat.
| State | Bureau | Coverage | Reports you can order | Ranked carriers (n) | Note |
|---|---|---|---|---|---|
| Loss-cost states: ranked · 40 — Published percentile and rank among the state's own ranked carriers. | |||||
| Alabama | NCCI | Full: exact published percentile and rank | 138 | 138 | |
| Alaska | NCCI | Full: exact published percentile and rank | 92 | 93 | |
| Arkansas | NCCI | Full: exact published percentile and rank | 285 | 302 | |
| California | WCIRB | Full: exact published percentile and rank | 225 | 237 | Own scale (WCIRB pure premiums) |
| Colorado | NCCI | Full: exact published percentile and rank | 212 | 214 | |
| Connecticut | NCCI | Full: exact published percentile and rank | 274 | 293 | |
| Delaware | DCRB | Full: exact published percentile and rank | 290 | 302 | |
| District of Columbia | NCCI | Full: exact published percentile and rank | 178 | 186 | |
| Georgia | NCCI | Full: exact published percentile and rank | 359 | 376 | |
| Hawaii | NCCI | Full: exact published percentile and rank | 216 | 229 | |
| Illinois | NCCI | Full: exact published percentile and rank | 351 | 365 | |
| Indiana | ICRB | Full: exact published percentile and rank | 230 | 239 | Silent adoption: positions can lag |
| Kansas | NCCI | Full: exact published percentile and rank | 257 | 262 | |
| Kentucky | NCCI | Full: exact published percentile and rank | 241 | 250 | |
| Louisiana | NCCI | Full: exact published percentile and rank | 255 | 271 | |
| Maine | NCCI | Full: exact published percentile and rank | 141 | 150 | |
| Maryland | NCCI | Full: exact published percentile and rank | 292 | 300 | |
| Michigan | CAOM | Full: exact published percentile and rank | 310 | 325 | Silent adoption: positions can lag |
| Minnesota | MWCIA | Full: exact published percentile and rank | 331 | 346 | |
| Mississippi | NCCI | Full: exact published percentile and rank | 173 | 182 | |
| Missouri | NCCI | Full: exact published percentile and rank | 343 | 359 | |
| Montana | NCCI | Full: exact published percentile and rank | 129 | 138 | |
| Nebraska | NCCI | Smaller field: position band, median and quartiles | 52 | 52 | Smaller field: position band |
| Nevada | NCCI | Full: exact published percentile and rank | 146 | 150 | |
| New Hampshire | NCCI | Full: exact published percentile and rank | 164 | 170 | |
| New Mexico | NCCI | Full: exact published percentile and rank | 216 | 225 | |
| New York | NYCIRB | Full: exact published percentile and rank | 136 | 138 | |
| North Carolina | NCRB | Full: exact published percentile and rank | 256 | 269 | Silent adoption: positions can lag |
| Oklahoma | NCCI | Full: exact published percentile and rank | 200 | 207 | |
| Oregon | NCCI | Full: exact published percentile and rank | 159 | 167 | |
| Pennsylvania | PCRB | Full: exact published percentile and rank | 245 | 257 | |
| Rhode Island | NCCI | Full: exact published percentile and rank | 272 | 285 | |
| South Carolina | NCCI | Full: exact published percentile and rank | 324 | 341 | |
| South Dakota | NCCI | Full: exact published percentile and rank | 142 | 146 | |
| Tennessee | NCCI | Full: exact published percentile and rank | 324 | 337 | |
| Texas | NCCI | Full: exact published percentile and rank | 336 | 350 | |
| Utah | NCCI | Full: exact published percentile and rank | 177 | 182 | |
| Vermont | NCCI | Full: exact published percentile and rank | 135 | 141 | |
| Virginia | NCCI | Full: exact published percentile and rank | 232 | 238 | |
| West Virginia | NCCI | Full: exact published percentile and rank | 169 | 172 | |
| Deviation states: no rank · 4 — Carriers file deviations from bureau rates, not LCMs. Deviations are not comparable across carriers, so the report states the filed deviation, bureau and basis, with no rank and no percentile. | |||||
| Arizona | NCCI | Deviation state: filed deviation only, no rank | 178 | — | |
| Idaho | NCCI | Deviation state: filed deviation only, no rank | 78 | — | |
| Iowa | NCCI | Deviation state: filed deviation only, no rank | 165 | — | |
| New Jersey | NJCRIB | Deviation state: filed deviation only, no rank | 9 | — | |
| Not sold · 7 — No carrier-level LCM competition to position. | |||||
| Florida | NCCI | Not sold | 0 | — | Florida is an administered-pricing state: NCCI files rates approved by the Florida OIR and every carrier charges the same base manual rates. There is no carrier-level loss cost multiplier to compare, so we don't sell a report. |
| Massachusetts | WCRIBMA | Not sold | 0 | — | Massachusetts is an administered-pricing state: WCRIBMA files a single set of rates for all carriers, and carriers do not compete through LCMs. Some filings exist in the data, but they are never ranked, so a position report would mislead. We don't sell a report. |
| North Dakota | state fund (WSI) | Not sold | 0 | — | North Dakota is a monopolistic state: a state fund writes all workers' compensation, so there is no private market to position. We don't sell a report. |
| Ohio | state fund (BWC) | Not sold | 0 | — | Ohio is a monopolistic state: a state fund writes all workers' compensation, so there is no private market to position. We don't sell a report. |
| Washington | state fund (L&I) | Not sold | 0 | — | Washington is a monopolistic state: a state fund writes all workers' compensation, so there is no private market to position. We don't sell a report. |
| Wisconsin | WCRB | Not sold | 0 | — | Wisconsin is an administered, uniform-rate state: the WCRB files one set of rates that every insurer must use, so there is no carrier-level LCM to compare (and filing counts understate activity there). We don't sell a report. |
| Wyoming | state fund | Not sold | 0 | — | Wyoming is a monopolistic state: a state fund writes all workers' compensation, so there is no private market to position. We don't sell a report. |
Ranked counts include every ranked carrier; a small number of carriers are not named in this product but still count in every n, rank, percentile and distribution. Carriers whose latest filing is more than 4 years old, or states a tier ladder, are shown as unranked in SerffSurf and are not sold.
Questions actuaries ask
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SerffSurf Instant Report is a product of Horizon Solutions, LLC. Figures are drawn from public SERFF rate filings as processed in SerffSurf release r7 (20261110T0459Z-874e515c1e; data as of 2026-11-09). This is information, not an actuarial opinion, and is not advice. LCMs are comparable only within one state, never across states or bureaus. Treat every number as checkable against the source filing.