The revised program continues to rely on ISO-based coverage forms while introducing new proprietary declarations, schedules, and endorsements aligned with Fortegra’s broader Attune offering. The company also implemented additional rating variables designed to better reflect property and liability risk characteristics and adjusted its loss cost multiplier to 2.30 from 1.456.

While the filing shows a 58% overall rate impact, no current policyholders are affected and no written premium change is reported, indicating the update is primarily structural and intended to support future growth.

The refreshed program includes a wide range of optional and enhanced coverages, such as cyber suite endorsements, employment practices liability, equipment breakdown, professional liability options for select classes, social media business interruption, website outage protection, and industry-specific enhancements for restaurants, contractors, and lessors risk.

Filing was submitted on February 12, 2026, with changes effective immediately for both new and renewal business. The update replaces the company’s prior Massachusetts BOP filing from 2020, which was no longer actively written.