Crum & Forster Group has filed for a workers’ compensation rate reduction in Michigan, effective January 1, 2026. The filing involves Crum & Forster Indemnity Company, The North River Insurance Company, and United States Fire Insurance Company, collectively impacting 62 policies with $1.16 million in total written premium. The proposed changes reduce premiums by $16,058.

The companies are adopting the 2026 pure premiums published by the Compensation Advisory Organization of Michigan (CAOM) and applying their own loss cost multipliers. The overall indicated change is a 3.3% decrease, with company-specific impacts ranging from negative 1% at North River to negative 5.7% at Crum & Forster Indemnity. The submission follows the prior approval method and is classified as a pure premium publication dependent filing.

While no distribution or vendor details beyond CAOM and NCCI references were disclosed, the filing confirms procedural requirements, including capping provisions and ownership rules for multi-entity policies. This adjustment follows a 1.4% increase implemented in January 2025, which was preceded by decreases of 6.7% in 2024 and 11% in 2023.