Donegal Mutual is introducing changes to its businessowners program in Texas, combining a rate increase with updates to how policies are structured and priced.

The filing shows a +9.02% overall rate impact, below an indicated need of about +17%, signaling a partial move toward higher pricing rather than a full adjustment. The change affects two carriers:

• Donegal Mutual: +9.02% (~$210k increase on ~$2.34M book, 65 policyholders)
• Mountain States Indemnity: +9.02% (~$72k increase on ~$798k book, 161 policyholders)

The update is set to take effect July 1, 2026 for both new and renewal business.

Beyond pricing, the company is adjusting the mechanics behind the program. The filing revises loss cost multipliers to 1.453 across property and liability, reflecting updated cost assumptions. It also cleans up rules around contractors coverage, including clarifying when certain employment practices liability endorsements apply.

On the product side, Donegal continues to lean into tiered coverage packaging, with multiple businessowners options ranging from standard to “Plus Superior,” each layering in additional coverages such as equipment breakdown, utility services, and business income enhancements.

Overall, the move reflects a familiar approach—moderate rate increases paired with incremental product and rule changes—rather than a full reset of the program.