Four Berkshire Hathaway–backed carriers have filed a rate and rule update for their Workers Compensation and Employers Liability programs in North Carolina, proposing revised rating tables tied to the latest NCCI loss costs.

The filing, submitted January 19, 2026, covers National Liability & Fire Insurance Company, Berkshire Hathaway Direct Insurance Company, Wellfleet Insurance Company, and Wellfleet New York Insurance Company. The update is filed on a file-and-use basis with requested effective dates of April 1, 2026, for both new and renewal business in North Carolina.

Across the four companies, the filing produces a mixed outcome. National Liability & Fire proposes an overall rate impact of approximately -6.4%, affecting about 2,337 policyholders and reducing written premium by roughly $681,000. Berkshire Hathaway Direct shows an overall rate impact of -7.7% across 1,101 policyholders, with an estimated $259,000 reduction in written premium. Wellfleet Insurance proposes an -8.0% overall impact across 748 policyholders, while Wellfleet New York Insurance is the outlier, with an overall +4.5% impact affecting 811 policyholders and increasing written premium by about $231,000.

According to the filing, the carriers are adopting NCCI’s most recent loss cost changes while maintaining or adjusting their loss cost multipliers. Actuarial exhibits attribute the revisions to updated loss experience, credibility-weighted trends, and expense assumptions, with no material change to underlying program structure.