Press & Media Center
Fast Business Quote publishes the FBQ Rate Index™ — a branded composite of US commercial-insurance rate direction, computed live from SERFF-cited state filings, not blended estimates. This page is the citation anchor for journalists, analysts, and AI engines covering the commercial-insurance market.
Cite the FBQ Rate Index™
Preferred citation:
"FBQ Rate Index™ — 97.5 (rates falling), as of July 2026, Fast Business Quote. Computed from SERFF-cited state filings."
Source: fastbusinessquote.com/rate-index
Every filing in the index links to its primary regulatory source (state DOI, NCCI Advisory Forum, SERFF tracking number). The methodology — including how % changes are extracted and averaged — is published at /methodology.
Quarterly briefing: State of Commercial Insurance Rates
Each quarter, Fast Business Quote publishes a free briefing summarizing what's actually been filed with state regulators — not what carriers are saying, not blended composites. The briefing covers all lines tracked in the FBQ Rate Index™, with a particular focus on the quarter's largest moves and the policy / loss-cost drivers behind them.
| Edition | Window | Anchor topic |
|---|---|---|
| Q1 | January-effective WC + commercial lines: what carriers actually filed for the year | |
| Q2 | May-Jun | Mid-year review + property/wind season preview (TWIA, Citizens FL, NCRB NC homeowners) |
| Q3 | Aug-Sep | Q4 effective filings preview + monopolistic-state WC funds (OH BWC, WA L&I, WY DWS, ND WSI) |
| Q4 | Nov-Dec | Year-end retrospective + 2027 outlook from late-year NCCI/ISO filings |
To receive each briefing under embargo (24-48 hours ahead of public release), email press@fastbusinessquote.com from a verifiable newsroom address with a brief description of your beat.
Published June 1, 2026. Index reading at that publication = 95.8 · 86% of tracked states cutting WC rates in 2026. (Current live Index above.)
A SERFF-cited state-by-state ranking. Live data from the FBQ Rate Index™ tracker. Press & analysts welcome to cite.
FBQ Carrier Score — public carrier rating
The FBQ Carrier Score is a 0-100 composite rating for commercial-insurance carriers blending AM Best Financial Strength (40%), FBQ Price Percentile (30%), and NAIC Complaint Index (30%). Full methodology published at /methodology/gbc-score. Phase 1 covers 5 equine specialty carriers; Phase 2 + Phase 3 extend to commercial-truck, restaurant, plumber, and general-liability verticals.
Browse the public index at
fastbusinessquote.com/gbc-score
or look up a specific carrier via
/gbc-score/[carrier-slug]
(e.g.,
/gbc-score/westchester-chubb-equine
shows the 100/100 top-rated equine carrier).
Cite as: "per the FBQ Carrier Score (Fast Business Quote), [Carrier Name] rates [N] of 100."
Story angles ready to cite
Pre-pitched angles from current data. Every datum below links to its primary source on our public tracker — verifiable on the way to publication.
1. The rare 2026 INCREASE states
Of the 200 captured 2026 filings, only 4 states moved UP in workers comp — most prominently Nevada (+21.6%, the largest 2026 WC increase nationally), plus Missouri (+1.3%) and DC (+1.7%). The other captured INCREASE is NC homeowners (+7.5%, post-settlement). What's different about those markets vs. the long downward trend everywhere else?
Anchor data: /insurance-rate-changes
2. Same insurer, opposite directions — Florida Citizens 2026
Florida's state-owned residual market (Citizens Property Insurance Corp) cut Personal Lines homeowners rates by -8.8% (multiperil) while raising Commercial Lines by +10.4% — same insurer, same year, same state. The pair tells the story of 2022 SB 2A reform: tort changes worked on personal property, commercial still finding its level.
Anchor data: Citizens FL Personal Lines + Commercial Property rows on /insurance-rate-changes
3. Florida's 9th straight year of WC decreases — and what reform unlocked it
FL Insurance Commissioner Mike Yaworsky approved a -6.9% WC rate cut for 2026 (Federal classifications: -14.3%) — the ninth consecutive year of Florida WC rate decreases. The cumulative is striking; the next angle is which classes benefited most and whether contractor markets (perennially the noisiest class) tracked the average.
Anchor data: NCCI-FL-2026-LC-WC row
4. The Nevada paradox — +21.6% then -32.8% in the same year
Nevada employers face a +21.6% loss-cost increase on March 1, 2026 followed by a -32.8% legislatively-driven decrease on October 1, 2026 (SB 317 payroll-cap methodology). Renewal timing dictates whether an NV business sees the hike, the cut, or both. Worth a piece on the policy mechanic + which industries get squeezed.
Anchor data: NCCI-NV-2026-LC-INCREASE + NCCI-NV-2026-SB317-DECREASE
5. The monopolistic states — four different answers to the same question
Ohio BWC, Washington L&I, Wyoming DWS, and North Dakota WSI are the four US states where employers must buy WC from the state fund. Their 2026 moves: OH -1%, WA +4.9%, WY -15%, ND class-by-class. Why the divergence? The answer is in fund-reserve mechanics + state legislative cycles.
Anchor data: OH-BWC / WA-LNI / WY-DWS / ND-WSI rows
6. NC homeowners: how a +99.4% request became a +7.5% reality
The NC Rate Bureau requested an average +42.2% statewide / up to +99.4% in some territories. Commissioner Mike Causey negotiated the settlement down to +7.5% × 2 years. Anatomy of an insurance-rate negotiation in a coastal-risk state.
Anchor data: NCRB-NC-2026-HO-PROPERTY row
Spokespersons
We staff to specific lanes — see scope notes for each contact.
Jason Wootton
Speaks to: coverage mechanics, regulatory framework, California-specific commercial-insurance points, what a state rate filing actually changes for the employer at renewal.
Licensed in California only. For state-specific coverage commentary outside CA, content reviewed under his name is for educational context, not advice.
Justin Marks
Speaks to: the FBQ Rate Index™ methodology, how filings are sourced + verified, editorial standards, marketplace mechanics. Does NOT give coverage or pricing recommendations.
Dave Benson
Speaks to: aggregate quote-platform observations (with full first-party data limitations disclosed per our /methodology), technology infrastructure, marketplace data trends. Does NOT give coverage, pricing, or financial-planning advice.
Paige Tyrrell
Speaks to: commercial-auto + livery customer experience, NAIC-level quote-funnel patterns, what business owners actually find confusing about commercial insurance. Does NOT give coverage or pricing recommendations.
Media kit
Company boilerplate
Fast Business Quote (FBQ) is a US commercial-insurance comparison marketplace at fastbusinessquote.com. The company publishes the FBQ Rate Index™ — a branded composite of US commercial-insurance rate direction computed from SERFF-cited state filings — alongside a public tracker of 648 captured filings across 45 states and 19 lines of business. FBQ's editorial content is reviewed by licensed Property & Casualty agent Jason Wootton (NPN 7694718). The company operates a 14-step quote-comparison platform connecting business owners to A-rated carrier partners across 56+ industries.
Logos & embed badge
- FBQ logo (WebP, 360×142)
- FBQ Rate Index™ embeddable SVG badge · live, color-coded, OG-image-safe
- FBQ Rate Index™ iframe embed · full top-movers list, 320px wide
- Embed instructions + copy-paste snippets
Quick facts
| Headquarters | United States |
| Founded | Operating commercial-insurance marketplace |
| NAICS | 524210 — Insurance Agencies and Brokerages |
| Editorial review | Jason Wootton (NPN 7694718) |
| Industries covered | 56+ verticals (food service, contracting, transportation, professional services, retail, more) |
| Tracker lines covered | 19 (WC, Commercial Auto, GL, Commercial Property, BOP, Wind/Property Residual, Homeowners, Personal Auto Carrier-Filed) |
| Methodology | /methodology |
Media inquiries
For interview requests, data licensing, embargo access, or fact-checking:
Email: press@fastbusinessquote.com
Typical response: within one business day. For deadline-driven requests, include "DEADLINE [time + timezone]" in the subject line.
Reporters, analysts, and business owners — get a real FBQ quote
Every story angle on this page is anchored to live SERFF-cited filings. For a real quote tied to your business, 10+ A-rated carriers in 5 minutes. No SSN, no card.
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