Hiscox submitted a rate and rule filing in Kansas on March 23, 2026, updating its ISO Commercial General Liability (CGL) program, with new business effective August 17, 2026, and renewals effective December 15, 2026.

The filing introduces a 10% overall rate increase, below the company’s indicated need of 34.3%, reflecting a moderated pricing approach. The changes impact approximately 1,753 policyholders and about $1.37 million in written premium, translating to roughly $136,788 in additional premium.

Beyond pricing, the filing refines underwriting mechanics. A loss experience factor introduces tiered adjustments based on five-year claims history, while a schedule rating framework allows for up to ±40% modification based on qualitative risk characteristics such as management practices, financial condition, premises condition, and safety programs.

The program also expands and formalizes a wide set of optional and mandatory endorsements, many focused on exclusions. These include limitations related to professional services, pollution, asbestos, employment practices, and emerging risks such as PFAS and cannabis. The filing also includes an Amazon-related endorsement tied to vendor relationships, signaling continued alignment with e-commerce exposures.

Overall, the filing reflects a measured rate increase paired with deeper segmentation, combining actuarial adjustments with expanded underwriting controls as Hiscox continues to refine its small commercial liability portfolio in Kansas.