Nationwide is back in Oregon with a 2026 rate review for its Small Market commercial property program, requesting an overall 7% increase across Nationwide General Insurance Company and Nationwide Assurance Company. The filing, submitted November 20, 2025, targets all policies effective on or after June 1, 2026.

Across both entities, the indicated need is 11.2%, with the implemented impact landing lower: 8.5% for Nationwide General and 6.4% for Nationwide Assurance. In total, 310 policyholders are affected, representing roughly $868,000 in written premium.

The update adopts ISO’s latest loss-cost circulars and introduces revised deductibles under Rules 81 and 82. Nationwide is also changing its independent Rule 81 language and incorporating ISO form CP 0431. Additional tweaks include adjustments to IRPM credits and debits tied to management and employee characteristics.

The filing maintains a 0.839 loss cost multiplier for both companies, keeping Oregon’s Small Market rates aligned with Nationwide’s broader LCM structure. Territory differentials remain significant, with factors ranging from sub-1.0 in lower-risk areas to more than 10 in high-risk zones.