Chubb National Insurance Company, Executive Risk Indemnity Inc., and Pacific Indemnity Company have filed to introduce a new commercial auto offering in Florida, branded as Chubb Advanced Auto.

Submitted on December 31, 2025, the filing applies to new business and renewals effective on or after March 28, 2026. The program sits within the Business Auto line and is positioned as a modernized commercial auto product aimed at small and middle market risks.

At the core of the update is a new multivariate tiering model designed to deliver broader and more risk-accurate pricing. The insurers are adopting ISO’s Risk Analyzer Commercial Auto (RACA) and using Generalized Linear Models to develop tier and mileage factors. Rating variables include loss history, years in business, and financial scoring, reflecting a shift toward more data-driven segmentation.

To limit renewal shock, the filing includes a premium change cap of plus or minus 50%, a guardrail intended to reduce policyholder dislocation as risks migrate across tiers.

The filing references ISO as a key vendor and notes that the changes apply across the Chubb group’s commercial auto footprint. In 2024, the group reported approximately $1.02 billion in written premium within its Liability segment, underscoring the scale of the business supporting the rollout.