The filing adopts updated NCCI loss costs and raises the loss cost multiplier from 2.051 to 2.266, alongside revisions to deductible discount factors. The changes impact about 1,352 policyholders and $1.74 million in written premium, translating to an estimated $133,600 increase.

The move follows a prolonged period of rate decreases, including an 11.49% reduction in 2025 and multiple cuts since 2020, suggesting prior pricing may no longer align with current loss trends.

Actuarial support points to a 7.8% indicated need, driven primarily by a 10.5% increase tied to the updated multiplier, partially offset by a -2.5% loss cost change.

The filing signals a shift in direction, as Church Mutual adjusts pricing to reflect updated loss expectations and expense assumptions in the Texas workers’ compensation market.