Next submitted a rate and rule filing in Connecticut introducing updates to its General Liability program, including revised base rates and expanded rating structures.

The filing reflects a 12.7% indicated rate increase and a 9.24% overall rate impact, translating to an estimated $324,566 increase in written premium across 2,875 policyholders, on a book of approximately $3.5 million.

Beyond the rate change, the update introduces a more granular underwriting framework. Next formalizes tiered minimum premiums by class, ranging from $100 for low-risk professions such as pet sitters to $1,000 for higher-risk trades like general contractors and roofing. It also expands support for short-term policies, with minimum premiums adjusted based on policy duration, including daily and weekly rating factors.

The filing further builds out class-specific pricing and coverage structures across segments such as daycare, fitness professionals, contractors, and independent distributors, alongside optional endorsements covering professional liability, abuse and molestation, and industry-specific enhancements. These additions reflect a continued push toward segment-specific underwriting and modular coverage design tailored to small business risks.

The changes are scheduled to take effect June 5, 2026 for new business and September 13, 2026 for renewals.