GuideOne Insurance Company filed a Connecticut Commercial Auto rate/rule change totaling a +22.3% overall impact (vs. +28.0% indication) to improve premium adequacy and stabilize retention. The change revises loss cost multipliers and adopts advisory prospective loss costs, affecting 277 policyholders and $479,120 in current written premium, with an expected written premium change of +$106,969.

The actuarial memorandum cites traditional methods (Werner & Modlin) and uses SERFF GDEA-134665914; a GLM is referenced in checklist materials though not confirmed as used here. TMG Insurance Services, LLC (The Mutual Group) is authorized to file on GuideOne’s behalf. Historical Commercial Niches Auto PD changes include 10.8% (01/01/2021), 28.0% (05/01/2022), −4.6% (09/01/2023), and +0.5% (03/01/2025).