Berkshire Hathaway Direct submitted a Florida filing on March 23, 2026, updating their direct miscellaneous professional liability program with an overall proposed state rate change of 4.2%, supported by broader countrywide experience showing a 4.43% indication.

The filing, effective July 1, 2026, revises manual premiums, hazard group factors, year in business factors, healthcare and lawyer headcount conversion factors, and introduces a rating factor for Sexual Abuse or Molestation sublimits as well as a 1.6 audit non compliance charge for insureds that fail to meet audit requirements.

The filing also changes how business tenure is priced. Instead of the prior broader year in business bands, the new structure breaks experience into narrower ranges, with the highest factor now applying to firms in the two to four year range, suggesting Berkshire sees more nuanced performance differences among newer professional businesses. The addition of a specific factor for SAM sublimits and the audit non compliance charge also shows a push toward pricing operational and coverage specific risk more explicitly.

Overall, the Florida update reflects Berkshire Hathaway’s continued move toward more granular professional liability underwriting, combining a moderate statewide rate increase with revised class factors, inflation adjusted exposure measures, and new charges tied to audit behavior and specialized coverage selection.