Qualitas Insurance Company has filed a rate and rule update in Texas for its Commercial Auto Crossborder Truckers program, seeking an overall 38.5% rate increase driven almost entirely by higher liability costs.

The filing, submitted January 19, 2026 on a file-and-use basis, applies to the Crossborder program covering Mexican and crossborder trucking risks. The requested effective date is March 1, 2026. Qualitas reports that 93.4% of the program’s premium is tied to Liability CSL coverage, for which base rates are proposed to rise 41.2%, producing the overall 38.5% impact once fees are included.

The program currently spans 158 policyholders and approximately $9.4 million in written premium. Under the proposal, premium would increase by an estimated $3.6 million, with individual policy impacts ranging from 24.5% to 41.1%. Loss experience cited in the actuarial support shows elevated loss ratios in counties where the company continues to operate following its partial withdrawal from Texas trucking business in 2025.

Qualitas attributes the increase to deteriorating loss trends, limited credibility in the book, and higher projected loss and loss adjustment expenses. No material changes are proposed to non-liability coverages, which remain at current rate levels.