Mitsui Sumitomo filed a new commercial auto program in Kansas, introducing two distinct segments targeting transportation and specialty auto risks, with rates built on ISO loss costs and company-specific multipliers.

The filing splits the business into a Transportation Program focused on established fleets with strong safety records, and a TUMI program covering higher-risk or specialized operations such as towing, intermodal transport, repossession, and trucking exposures. Both programs rely on ISO forms, rules, and loss costs, with pricing adjustments applied through loss cost multipliers.

On the coverage side, the structure follows a standard commercial auto framework with liability, physical damage, and optional coverages such as uninsured motorists, medical payments, and towing. The program also supports flexible rating approaches, including cost of hire, mileage, and gross receipts, depending on the insured’s operations.

The filing introduces a wide set of endorsements that tighten underwriting and clarify exclusions. These include exclusions for PFAS, communicable disease, cyber, asbestos, and punitive damages, alongside operational exclusions such as transportation brokerage activities.

A notable feature is the use of monthly reporting provisions, requiring insureds to report units, mileage, or total insured value on a monthly basis, with premiums adjusted accordingly. This structure aligns pricing more closely with fleet size and activity levels over time.

Overall, the filing reflects a segmented approach to commercial auto, separating standard fleet business from more volatile or specialized risks while maintaining ISO alignment and layering in tighter exclusions and reporting requirements.