AmTrust Financial Group submitted a rule filing in Alabama on February 18, 2026, introducing a new methodology for assigning Risk Assessment Band (RAB) placement across its Commercial General Liability business. The filing applies to Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, and AmTrust Insurance Company, with an effective date of April 1, 2026, for both new and renewal business.

The update introduces 250 Risk Assessment Band factors designed to refine risk segmentation. The new approach uses Gradient Boosted Tree models to estimate pure premium based on policyholder characteristics and building-level attributes, marking a shift toward predictive modeling in underwriting.

“AmTrust group has developed a new method for assigning Risk Assessment Band placement for Property and General Liability coverages. By analyzing policyholder information, building-level attributes, location-level, geographic data, and prior experience, we created Gradient Boosted Tree (GBT) models to predict a pure premium, which are then used to determine assignment into appropriate Risk Assessment Bands—separately for General Liability Pre Ops and Property. Our property filing is being submitted simultaneously.”

The initiative is part of a broader countrywide effort, with a similar framework being filed for Commercial Property.

The submission notes that the predictive models had not yet received regulatory approval in Alabama at the time of filing, which may present a compliance consideration. The filing also references the potential use of NAIC actuaries if the state elects not to use a department consultant for review.