Carrier Lookup

CarrierLCMNAICCarrier GroupGroup Code
NATIONAL FIRE INS CO OF HARTFORD2.300 2024-04-0120478CNA INS GRP218
HARTFORD ACCIDENT & IND CO2.429 2024-04-0122357HARTFORD FIRE & CAS GRP91
HARTFORD CAS INS CO3.212 2024-04-0129424HARTFORD FIRE & CAS GRP91
HARTFORD FIRE INS CO2.811 2024-04-0119682HARTFORD FIRE & CAS GRP91
HARTFORD INS CO OF IL3.002 2024-04-0138288HARTFORD FIRE & CAS GRP91
HARTFORD INS CO OF THE MIDWEST0.952 2024-04-0137478HARTFORD FIRE & CAS GRP91
HARTFORD INS CO OF THE SOUTHEAST3.734 2024-04-0138261HARTFORD FIRE & CAS GRP91
HARTFORD LIFE & ACCIDENT INS CO 70815HARTFORD FIRE & CAS GRP91
HARTFORD LLOYDS INS CO2.474 2023-07-0138253HARTFORD FIRE & CAS GRP91
HARTFORD UNDERWRITERS INS CO2.533 2024-04-0130104HARTFORD FIRE & CAS GRP91
PROPERTY & CAS INS CO OF HARTFORD2.986 2024-04-0134690HARTFORD FIRE & CAS GRP91
SECURITY INS CO OF HARTFORD1.811 2003-04-0124902SECURITY INS CO OF HARTFORD9044
AUTOMOBILE INS CO OF HARTFORD CT1.096 2024-01-0119062TRAVELERS GRP3548

What is an NAIC code?

NAIC Carrier Codes are assigned by the National Association of Insurance Commissioners (NAIC). The NAIC is an authoritative source for insurance information. They assign unique codes to each Carrier Group and to each Carrier.

What is an LCM?

The LCM is a factor that allows the carrier to adjust the standard rate (LC) to account for their own expense provisions. The LCM is specific to the Carrier’s experience and therefore can vary greatly from Carrier to Carrier. All this variance creates a very competitive WC market with exploitable opportunities, with the right tools of course.

Note that in some states a carrier may have ‘sub’ LCM filings for specific Class Codes or have tiered LCM filings (e.g. standard/preferred). Also note that one ‘Carrier’ may have multiple ‘underwriting companies’ - each with their own LCM filing (e.g. Travelers Casualty, Travelers Indemnity and Travelers Property Casualty are all part of Travelers, but each has its own LCM filing). Read more about Loss Cost & LCM and Mod Rating.