Coalition has filed a rate and rule update in Rhode Island for its Cyber Liability program, making targeted changes to simplify pricing while keeping the filing revenue neutral overall.

The update removes two security posture surcharges related to the lack of backup and restore capability and data encryption. Coalition says the change is intended to improve rating accuracy and reduce complexity, with any premium impact offset through base rate adjustments so overall premium remains unchanged.

The filing affects 111 policyholders and applies to a Cyber Liability book totaling approximately $215,664 in written premium.

Separately, Coalition is increasing its credit card processing fee from 2.5% to 4% to reflect higher vendor costs. The fee applies only to policyholders who choose to pay by credit card and does not impact rates.

The filing was submitted on January 16, 2026. New business is scheduled to take effect April 16, 2026, with renewals effective January 21, 2026.

A similar filing was submitted in Connecticut.