The CT Interlocal Risk Management Agency (CIRMA) has introduced a rate update for its Liability and Property (LAP) program in Connecticut, reflecting a 6.9% overall increase across its commercial package business.

The filing, submitted on April 27, 2026, applies to 176 policyholders and about $47.9 million in written premium, resulting in an estimated $3.3 million premium increase. The changes are scheduled to take effect July 1, 2026, for both new and renewal business.

This follows a smaller 1.5% increase implemented in 2025, signaling a step-up in pricing after a more modest prior adjustment.

The update includes revisions across liability, auto, and property rate components. General liability base rates tied to total operating expenditures show slight increases, while professional liability rates for public officials, law enforcement, and school leaders reflect downward adjustments in base rate levels. Auto liability base premiums vary by vehicle type and territory, with updated deductible factors and minimum premiums maintained at $500.

On the property side, base rates per $100 of insured value were adjusted slightly downward across most protection classes, alongside updates to optional coverage pricing and deductible factors.

Overall, the filing reflects a mixed approach: higher overall pricing paired with targeted adjustments across coverage lines, suggesting continued recalibration of municipal risk exposure rather than a uniform rate increase.