General Insurance Company of America, part of Liberty Mutual, has filed for a rate increase to its Businessowners program in Texas, with changes scheduled to take effect June 1, 2026, for both new and renewal business.

The filing applies to 4,643 policyholders and approximately $8.9 million in written premium, and proposes an overall rate impact of +16.6% through adjustments to property and liability base rates.

The company indicated a +98.7% actuarial rate need, meaning the requested increase reflects only a portion of the modeled loss pressure.

Liberty Mutual relied on analytics from its eCLIQ Rate Platform to evaluate program performance and support the filing.

The latest request follows a series of recent increases in the Texas BOP program:

• +17.3% in 2024

• +14.8% in 2023

• +11.4% in 2022

The continued gap between indicated need and approved-level actions suggests ongoing profitability pressure in the small commercial segment.