Old Republic Insurance Company has submitted a filing to amend rates and rules for its Last Mile Delivery commercial auto program in Maryland. Filed on July 14, 2025, the proposed changes are scheduled to take effect January 1, 2026, for both new and renewal policies. The program insures third-party contractors providing last mile delivery services.

In 2024, the program generated nearly $9.5 million in written premium across 27 policyholders, with 292 earned vehicle-years and $6.87 million in earned premium.

The filing proposes a decrease in the loss cost multiplier (LCM) for liability—from 2.710 to 2.144—and an increase for physical damage—from 1.357 to 1.675. Despite a 43.8% indicated rate need, Old Republic is proposing a more moderate 17.2% overall rate increase. This includes a 34.3% indicated change for liability and 122.5% for physical damage. The last rate revision took effect on March 1, 2025, with a 20.1% increase.

The program is managed by a sponsor handling brokerage, underwriting, and claims administration. ORIC bases its filing on ISO circulars and input from Oliver Wyman.