Hey Contractors!
If you have your workers’ compensation insurance with California State Compensation Insurance Fund (State Fund), here’s a quick update you need to know before your next renewal.
Starting December 1, 2025, State Fund will raise rates by an average of 0.53%. That’s less than 1%, so for most of you it won’t be a big hit—but it’s smart to check your exact numbers.
What the Average Change Looks Like
- Old average rate: 7.61
- New average rate: 7.65
- Increase: +0.53%
Will Your Premium Go Up?
The average is only up a tiny bit, but every trade is different. Some jobs will cost a little more, others will actually go down!
What Should You Do Right Now?
- Call your insurance broker today and ask for a free quote using the new December 1, 2025, rates.
- Find out exactly what your premium will be—it only takes a few minutes.
- If your rates are dropping, you’ll save money. If they’re going up, you’ll have time to budget or shop around.
Don’t wait until your renewal notice shows up in the mail. Getting ahead of this small change can keep more money in your pocket for tools, trucks, or your crew.
Questions? Call 530.320.3617 or Get a Free Quote