American Family has filed a rate and rule revision in Idaho for its Fusion Businessowners Landlord program, requesting an overall average increase of 8.2% for new and renewal business effective August 15, 2026.

The filing reflects an indicated change of 8.6% and is expected to generate approximately $290,393 in additional written premium across 2,276 policyholders, based on a current book of about $3.54 million. Individual policy impacts are projected to range from a 6.6% decrease to an 18.4% increase.

The revision updates several rating components, including base rates for building, business personal property, liability, and medical expense, as well as business income base rates, equipment breakdown factors, and loss assessment factors and deductibles.

According to the actuarial memorandum, the raw experience indication is 5.3%, which increases to 8.2% after credibility weighting and to 8.6% after application of an off balance factor. The analysis incorporates catastrophe loads for wind and hail and applies a $350,000 large loss cap on non catastrophe claims, with excess losses replaced by a large loss load.

American Family states that the revised rates are intended to maintain profitability in the Idaho landlord book while remaining compliant with state standards.