Amica Mutual Insurance Company has submitted its annual rate filing for the Personal Inland Marine Insurance program in Florida, effective March 1, 2026, for both new and renewal business.

The filing covers 3,132 active policies with $613,522 in earned premium at the current rate level for 2024. The update reflects Amica’s routine adjustment of expected loss ratios and profit margins, targeting an expected profit and contingency factor of 3.8% and an expected loss ratio (ELR) of 76.15%.

While specific rate change percentages were not disclosed, the filing represents a standard annual review of pricing adequacy. The analysis uses a loss experience evaluation date of March 31, 2025, and notes Amica’s participation in the Insurance Services Office (ISO) framework for benchmarking and actuarial support.