First National Insurance Company of America (FNICA), part of Liberty Mutual Insurance, has introduced a new Commercial General Liability (CGL) program in Texas. Filed on July 29, 2025, the program is set to take effect for new business on or after October 9, 2025.

As a fresh market entry, the filing reports no current policyholders or in-force premium. The program includes standard CGL coverage along with Employment Practices Liability, Cyber Suite, and a wide range of specialized endorsements and exclusions. Coverage forms apply to diverse professions—from optometrists to funeral directors—and address emerging risks like unmanned aircraft, cyber extortion, and biometric privacy claims.

The filing outlines exclusions for pollution, residential construction, and various materials and operations. It also includes “Stop Gap” endorsements for monopolistic states, indicating broader national alignment. No rate hikes or filing fees are associated with this launch.