Chubb has submitted a rate and rule filing for its Businessowners Policy (BOP) programs in North Carolina, affecting 1,558 policyholders and approximately $3.1 million in written premium. The filing proposes a combined premium increase of roughly $300,000 and introduces updates across multiple BOP forms.

Key changes include an 11.9% proposed rate increase for ACE Fire Underwriters and a 90.9% increase for Pacific Employers under the liability portion of the program.

The filing also introduces a new Policy Expense Fee Rule, revised minimum premium levels based on policy type, and changes to rules governing premium waivers. Ineligible occupancies now exclude automotive repair and dwellings, and the default limit for Damage to Premises Rented To You is set at $100,000. Additional rules and endorsements—ranging from professional liability to data breach and flood—are included.