Midvale Indemnity, part of American Family, has filed a rate and rule revision for its Businessowners program in Wisconsin, introducing targeted pricing adjustments and manual updates across liability and property components.

The filing reflects an overall 1.4% rate decrease, translating to an estimated $111,500 reduction in written premium across approximately 3,741 policyholders. Total written premium for the program is reported at $8.1 million, with individual risks experiencing changes that vary widely depending on class and coverage mix.

Beyond rates, Midvale updated its Wisconsin Businessowners manual to revise class modification factors and premium determination tables across a broad range of occupancies, including restaurants, retail stores, distributors, and professional offices. The changes also adjust pricing for several optional liability endorsements, including electronic data liability, employee benefits liability, liquor liability, and hired and non owned auto liability, with specific treatment for food delivery exposures.

The filing was submitted in late January and has been filed by the state. The updates take effect April 24, 2026, for new business and July 13, 2026, for renewals, continuing Midvale’s incremental recalibration of its small commercial portfolio in Wisconsin.