Providence Mutual Fire Insurance Company filed a rule update in Massachusetts to increase Ordinance or Law coverage limits for its commercial property program. The filing was submitted on February 16, 2026, with effective dates of August 1, 2026, for both new and renewal business.

Under the change, coverage limits will increase to $50,000 for the Preferred option and $100,000 for the Prestige option. The enhancement is intended to better align the company’s offerings with current market standards and improve coverage adequacy for policyholders facing rebuilding requirements after a loss.

The change does not result in any premium impact.