Rate History

• Retail, professional office, and service businesses: 1.445, or 15% below the base multiplier.
• Construction trades and field services: 1.870, or 10% above the base.
• Wallboard and roofing contractors: 2.125, or 25% above the base.
• Trucking and retirement living: 2.210, or 30% above the base.

American Pet Insurance Company, Trupanion's underwriter, filed a 9.7% increase on its Trupanion for Chewy Health program in Mississippi, effective November 1, 2026 for new and renewal business.

Unlike the aggressive repricing elsewhere, Mississippi has barely been touched. Last November's revision was just +2.9%, so the proposed 9.7% is effectively the program's first real rate move here — a compounded ~13% across two Novembers.

Almost all the growth is volume. The filing lists 159 policyholders and $59,873 in written premium, up from 124 policies and $46,350 as of June 25, 2026 — roughly +28% policies and +29% premium in about six weeks. Average premium per policy sat flat at ~$375, confirming the book is adding customers, not squeezing rate.

The pricing case is still thin on its own. Mississippi credibility runs ~16%, so the carrier leans on Trupanion's broader experience as the complement — the local sample sets direction, the parent book does the arguing.

American Pet Insurance Company, Trupanion's underwriter, filed a 9.8% increase on its Trupanion for Chewy Health program in Michigan, effective November 1, 2026 for new and renewal business.

It's the second increase in twelve months. The last revision, +18.7%, took effect November 1, 2025 — a compounded ~30% across two consecutive Novembers on a program that's barely two years in market.

The book is small but climbing. The filing lists 628 policyholders and $330,258 in written premium, up from 504 policies and $232,397 as of July 15, 2025 — roughly +25% policies and +42% premium in about a year. Average premium per policy rose ~14% to $526, the rate increases feeding through faster than the customer count.

Michigan alone can't yet carry the pricing case. Credibility on the two coverages runs 11% and 27%, so the carrier leans on Trupanion's broader experience as the complement — the Chewy sample sets direction, the parent book does the arguing.

In New Mexico, Trupanion for Chewy Health grew from 150 policies in July 2025 to 199 policies in August 2026, representing annualized growth of about 30%. That said, it’s still a very small book—only 49 net policies added over roughly 13 months.

Auto-Owners received approval for a 6.4% overall rate decrease for its private passenger auto program in South Dakota.

The decrease affects 12,727 policyholders and is expected to reduce written premium by approximately $1.8 million. Individual policy changes will range from no change to a 9% decrease. The insurer’s indicated rate need was a 27.8% decrease.

The filing also introduces a customer loyalty discount beginning after 12 consecutive months of coverage. The discount starts at 2.5% and increases annually, reaching 7% after 10 years.

Other changes include tenure-based home and auto multipolicy discounts, revised base rates, updated rates for recreational vehicles and a consolidated lease/loan gap coverage form. Auto-Owners also clarified that debit- and credit-card payments do not satisfy the electronic funds transfer requirement for its Digital Advantage Discount.

The changes take effect August 9, 2026, for new business and September 14, 2026, for renewals.

Root is overhauling its private passenger auto rating plan in Virginia without changing its overall rate level.

The insurer is introducing rating factors for annualized mileage, connectivity, prior Root claims, endorsement activity and excess vehicle age. It is also removing or consolidating factors tied to homeownership, prior insurance, prior bodily injury limits, safe-driver status and vehicle age.

Root is updating its usage-based insurance models, revising dozens of existing factors and adding further segmentation to towing and labor coverage. The filing also introduces an original equipment manufacturer parts endorsement.

Although the overall rate impact is neutral, individual policy changes could range from a 51% decrease to a 143.3% increase. The program covers 8,707 policyholders and approximately $26.9 million in written premium.

Root requested effective dates of July 31, 2026, for new business and September 15, 2026, for renewals.

As a side note, Root was approved to write business in Virginia on August 12, 2019. Its growth milestones include:

• Sep 26, 2019: 30 policies and $24,000 in premium
• Jan 25, 2021: 2,446 policies and $2 million in premium
• Jul 21, 2022: 4,218 policies and $9.4 million in premium
• Jul 18, 2023: 3,600 policies and $8.3 million in premium
• Jun 24, 2024: 8,648 policies and $21.7 million in premium
• Dec 9, 2025: 8,707 policies and $26.9 million in premium
• Jul 23, 2026: Same as above

Liberty Mutual has filed to revise its homeowners insurance program in Georgia, resulting in an overall rate decrease of 0.1% for H3 policies.

The filing covers Liberty Mutual Insurance Company and Liberty Mutual Personal Insurance Company, which collectively insure 5,696 policyholders representing approximately $14.5 million in written premium.

Liberty Mutual Insurance Company is seeking an average decrease of 0.25% for 164 policyholders, while Liberty Mutual Personal Insurance Company is proposing an average decrease of 0.05% for 5,532 policyholders.

Individual policy changes may range from a decrease of 19% to an increase of 11.1%. The companies are revising base rates and rating factors tied to the age of the home and roof.

The changes are expected to take effect on October 5, 2026, for new business and November 9, 2026, for renewals. The filing was submitted on July 16.

The Doctors Company is introducing a rate reduction to its physicians and surgeons professional liability program in New Jersey, with changes set to take effect October 1, 2026 for both new and renewal business.

The filing reflects a broad decrease across specialties, with rate changes ranging from -45.9% to -22.7%. Most physicians will see reductions at the floor of that range, around -22.7%.

Overall, the program carries a -25.1% rate impact, reducing written premium by about $553,758 across a book of roughly $2.2 million and 133 policyholders.

The move stands out in a line often associated with volatility. The company’s actuarial analysis, based on New Jersey experience from 2011 through 2024, points to improved loss dynamics relative to prior expectations, supporting a nearly 30% indicated decrease.

HiRoad Assurance Company has submitted a rate-neutral filing for its Personal Auto program in Rhode Island, effective November 1, 2025, for new business and December 6, 2025, for renewals. The filing affects 1,282 policyholders representing $5.6 million in written premium.

Key updates include shifting the policy term from 12 months to 6 months, revising rating rules tied to a driver’s record, and modifying contract language to cover properly disclosed drivers while excluding undisclosed ones above minimum liability limits.

HiRoad continues to emphasize technology-driven engagement, with premiums adjusted monthly through safe driving data collected by its mobile app, electronic delivery of all policy documents, and app-based policy changes. The program also includes rewards for task completion aligned with HiRoad’s mission and discounts for safe driving or holding other eligible policies with HiRoad or strategic partners.

The filing follows a neutral rate revision in November 2024 and updates key forms, including the Rhode Island Auto Policy Contract and Declarations.

Chubb Group carriers — ACE Fire Underwriters Insurance Company, ACE Property and Casualty Insurance Company, and Pacific Employers Insurance Company — have filed for a 10.2% overall rate increase on their commercial program in Oregon, effective December 13, 2025, for new business and April 2, 2026, for renewals. The change impacts 982 policyholders and $2.2 million in written premium.

Rate impacts vary by company: ACE Fire (15.11%), ACE P&C (10.07%), and Pacific Employers (2.9%). Actuarial indications called for a steeper 23.55% increase, but the selected rate is significantly lower, reflecting a management decision to temper the impact.

Key updates include adoption of revised ISO general liability loss costs, a new Policy Expense Fee tied to policy type and sales channel, and a Rate Stabilization Factor applying a 1.035 annual adjustment to certain coverages. The filing also revises tier assignment rules using criteria such as crime, roof age, financial responsibility, claims risk score, and urban/rural classification.

The last increase was 8.63%, effective September 14, 2024. Minimum premiums are set at $485 for full policies, $350 for building/BPP-only, and $250 for business liability-only coverages. The filing confirms $100,000 as the automatic limit for “Damage to Premises Rented to You” coverage.

The Doctors Company, an Interinsurance Exchange, has filed for a 3% overall rate increase on its Physicians, Surgeons, and Ancillary Healthcare Providers Professional Liability program in Hawaii, effective January 1, 2026. The change impacts 419 policyholders and $2.3 million in written premium.

The filing applies a uniform adjustment to manual rates, though the actuarial indication was significantly higher at 42.4%. The decision reflects a strategic choice to mitigate the full indicated need while maintaining market stability.

Program features include Prior Acts Coverage, unlimited Extended Reporting Period Coverage upon termination, and optional Punitive Damages Coverage for a 5% surcharge. A Sizable Risk Rating rule also applies to accounts generating over $100,000 in annual premium at $1M/$3M limits.

The filing, submitted under prior approval, relies on Hawaii experience from 2011–2024, with the last rate revision effective March 2023.

Allstate North American Insurance Company has secured approval for a private passenger auto rate reduction in Iowa. Filed on September 15, 2025, the changes take effect September 18, 2025, for new business and November 27, 2025, for renewals, impacting 10,227 policyholders.

The filing introduces a 10.3% overall rate decrease, reducing total written premiums by just over $2 million from a base of $19.9 million. The adjustment, achieved through revisions to rate adjustment factors, household composition factors, and channel factors, is intended to strengthen the company’s competitive position in the state.

American Family Connect Insurance Company has filed for a private passenger auto rate increase in Georgia. The filing, dated September 17, 2025, applies to renewals beginning January 26, 2026, and impacts 1,174 in-force policies. It reflects a written premium increase of $286,247 on total written premiums of $4.03 million.

The company is requesting an overall rate increase of 7.1%, close to the 7.7% indicated need, with adjustments focused primarily on base rates. The filing notes that the majority of affected policies—86.8%—will see a change between $0 and $400.

This PPA program is a closed book, limited to policyholders originally written under AFC’s Market Expansion initiative. No third-party models or competitive data were used in the filing, which follows an 11.7% increase implemented in July 2025.

Crum & Forster Group has filed for a workers’ compensation rate reduction in Michigan, effective January 1, 2026. The filing involves Crum & Forster Indemnity Company, The North River Insurance Company, and United States Fire Insurance Company, collectively impacting 62 policies with $1.16 million in total written premium. The proposed changes reduce premiums by $16,058.

The companies are adopting the 2026 pure premiums published by the Compensation Advisory Organization of Michigan (CAOM) and applying their own loss cost multipliers. The overall indicated change is a 3.3% decrease, with company-specific impacts ranging from negative 1% at North River to negative 5.7% at Crum & Forster Indemnity. The submission follows the prior approval method and is classified as a pure premium publication dependent filing.

While no distribution or vendor details beyond CAOM and NCCI references were disclosed, the filing confirms procedural requirements, including capping provisions and ownership rules for multi-entity policies. This adjustment follows a 1.4% increase implemented in January 2025, which was preceded by decreases of 6.7% in 2024 and 11% in 2023.

Cedar Insurance Company filed in Maryland to adopt NCCI’s updated Workers’ Compensation loss costs without changing its own loss cost multiplier. The move results in a -12% overall rate impact, reducing premiums by $15,619 across one affected policyholder with $130,493 in written premium.

The filing, submitted through Martin & Company, reflects a strategy of passing through advisory loss cost changes directly to maintain competitiveness. The last rate revision for this program was unchanged, effective January 1, 2025.

Wadena Insurance Company, part of IMT Insurance Companies, has submitted a filing in Wisconsin to revise rates for its power sports insurance program. The filing, dated September 17, 2025, applies to both new and renewal business effective February 1, 2026, and impacts 1,241 policyholders. It reflects a written premium increase of $72,917 on total written premiums of $466,169.

The company is seeking an overall rate increase of 15.6%, supported by countrywide permissible loss ratio and rate indication calculations. The indicated change is higher, at 22.9%, highlighting a more aggressive adjustment than what was ultimately requested. The filing follows a 24.8% rate increase that took effect in December 2024, showing continued upward pressure in Wadena’s power sports segment.

Canal Insurance Company has filed for a commercial auto rate and rule revision in Tennessee. Submitted on September 17, 2025, the filing applies to new business beginning December 1, 2025, and renewals starting January 1, 2026. It affects 212 policyholders, with a projected written premium increase of $1.54 million on $11 million in total written premium.

The filing proposes a 14% overall rate increase, compared to an indicated need of 22.8%. Changes include revisions to liability and physical damage base premiums. To avoid skewed results, Canal’s methodology excludes policies with more than 50 units from the analysis for bodily injury/property damage and physical damage, and caps individual losses at $100,000.

Integon Indemnity Corporation, part of Allstate, filed in Wisconsin to revise rates for its homeowners program, effective September 29, 2025 for new business and December 3, 2025 for renewals. The filing introduces a new “Welcome Discount” to attract new policyholders, while also adjusting fixed expense premiums.

The overall proposed impact is a 2.4% rate decrease, reducing premiums by $98,586 across 2,856 policyholders with $4 million in written premium. This follows a 10% rate increase that took effect in August 2025.

American Family Insurance Company filed a Private Passenger Auto rate/rule revision in Wisconsin on September 10, 2025, effective December 1, 2025 for new and renewal business. The filing affects 105,150 policies and $215,960,592 in current written premium, with an expected written premium change of -$5,570,802. The move adjusts base rates and factors and introduces one new rating variable to refine pricing and performance.

The overall proposed impact is a -2.6% decrease (vs. a -1.7% indication), with shifts by coverage: Bodily Injury +5.0% (indicated +13.0%); Property Damage -3.9% (indicated -3.9%); Medical Payments +18.0% (indicated +25.2%); Uninsured Motorist +22.3% (indicated +22.3%); Underinsured Motorist +34.8% (indicated +34.8%); Collision -19.1% (indicated -19.1%); Comprehensive -0.2% (indicated -0.2%). The Policy Admin Constant holds at 0.0% (indicated -10.3%). Due to the program’s recent launch, the actuarial memorandum references experience from legacy auto products written in American Family Mutual Insurance Company, S.I. (AFMIC) and/or American Standard Insurance Company (ASIC), or combined, to inform key assumptions.

The revision is positioned as a rebalancing—lowering average rates while increasing certain liability coverages and trimming physical damage—to better align price to risk across the “Family Car Program.”

Plymouth Rock Home Assurance Corporation has filed for a rate and rule revision in Connecticut for its combined renters (HO4) and condominium (HO6) program. The filing, dated September 17, 2025, impacts 11,846 policyholders and proposes a total written premium increase of $606,128 on in-force premiums of $5.48 million. Renewal business is scheduled to reflect the changes beginning November 12, 2025.

The filing requests an overall rate increase of 11.1%, though the indicated change is higher at 20.9%. Renters policies are set to rise by 5%, while condominium policies will increase by 12.3%. Adjustments include revisions to base rates, deductible factors, distance-to-coast factors, and endorsement pricing. Notably, the Home Systems Protection Coverage endorsement will increase from $13 to $18.

Plymouth Rock supports the revisions with a mix of ISO Fast Track data and internal data, noting its thin and volatile renters and condo loss experience, which carries only 42% credibility. Strategic context highlights the impact of inflation and labor and material shortages on claims severity. The filing also points to technology-driven pricing elements, including insurance score factors for new business and a Connected Home Discount. The Hartford Steam Boiler Inspection and Insurance Company reinsures the Home Systems Protection Coverage.

American Bankers Insurance Company of Florida has filed for a homeowners insurance rate and rule revision in Virginia. The filing, certified on September 15, 2025, affects 9,659 in-force policies, with new business effective January 1, 2026, and renewals effective March 1, 2026. It represents a total premium increase of $1.24 million on in-force premiums of $15.5 million.

The company is requesting an overall 8% rate increase for its HO3 program. Changes include new rating variables—such as number of bathrooms, number of stories, and roof attached structure—alongside base rate increases of 1.5% across all perils, including fire, hurricane, and wind/hail. The proposed adjustments are regionally segmented, with the steepest increase of 14.4% in coastal areas, compared to 5.6% along the I-95 corridor and 6.4% inland.

ABIC noted that its Virginia homeowners program has limited internal credibility for long-term trending, prompting reliance on competitor filings, external data sources, and catastrophe modeling through AIR. The company cited distortion from two large inland losses, valued at $544,000 and $221,000, as a driver of its indicated need in that region.

The filing follows a 12% rate increase implemented in August 2024.

GuideOne Insurance Company filed a Connecticut Commercial Auto rate/rule change totaling a +22.3% overall impact (vs. +28.0% indication) to improve premium adequacy and stabilize retention. The change revises loss cost multipliers and adopts advisory prospective loss costs, affecting 277 policyholders and $479,120 in current written premium, with an expected written premium change of +$106,969.

The actuarial memorandum cites traditional methods (Werner & Modlin) and uses SERFF GDEA-134665914; a GLM is referenced in checklist materials though not confirmed as used here. TMG Insurance Services, LLC (The Mutual Group) is authorized to file on GuideOne’s behalf. Historical Commercial Niches Auto PD changes include 10.8% (01/01/2021), 28.0% (05/01/2022), −4.6% (09/01/2023), and +0.5% (03/01/2025).

Triangle Insurance Company has submitted a filing in Texas dated September 15, 2025, seeking approval for significant revisions to its TriPack Commercial Package Policy. The filing applies to both liability and non-liability coverages and is set to take effect for new and renewal business on January 1, 2026. A total of 186 policyholders will be affected, with written premium changes amounting to $207,242 and total written premium recorded at $135,836.

The company is proposing new rates for additional coverage options while removing obsolete ones, using a file-and-use method. The filing requests an overall rate increase of 152.57%, with an indicated change of 233.67%. This represents a sharp escalation compared to previous adjustments, which were generally modest. In recent years, rate changes included a 1.9% increase in July 2025, a 0.62% adjustment in January 2025, a 5.2% change in January 2024, and larger increases of 12.5% in 2023 and 8.14% in 2021.

Lemonade Insurance Company has received approval in Pennsylvania to revise its pet insurance manual, effective November 19, 2025. The filing impacts 27,907 policyholders and $15.5 million in premium but carries a neutral overall rate change.

The update covers base rates and detailed rating factors, including adjustments by zip code, breed, age at underwriting, gender, and deductible/coinsurance/limit selections. While the aggregate impact is 0.0%, the filing resets the manual with new factors, allowing Lemonade to rebalance pricing without increasing overall premium levels.

The submission follows another revision just one month earlier, highlighting Lemonade’s rapid filing cadence in the state. Pennsylvania remains one of Lemonade’s strongest pet insurance markets, with exposure far above what many carriers write in a single state. Regulators approved the filing in just six days, underscoring its non-controversial status.

For policyholders, coverage terms remain unchanged, but premiums may shift up or down depending on individual risk factors such as breed or geography.

HiRoad Assurance Company has filed for an overall 4.7% rate increase on its auto program in Arizona, impacting 6,358 policyholders and $16.4 million in written premium. The proposed changes take effect August 14, 2025, for new business and September 18, 2025, for renewals.

The filing adjusts base rates and fixed expenses by coverage, with an indicated need of 4.5%. HiRoad incorporated ISO Arizona loss trends and State Farm’s Arizona data due to its own limited experience.

Actuarial exhibits include base rate development, auto indications, and credibility calculations. The Arizona Department of Insurance checklist flagged requirements around actuarial support for discounts and fees, and the prohibition of “upon approval” effective dates.

Home State County Mutual Insurance Company has filed a rate and rule revision for its APS personal auto program in Texas, effective August 20, 2025, for new business and September 20, 2025, for renewals.

The change impacts 26,555 policyholders with $193.3 million in written premium and reflects an overall rate decrease of 0.96%, with individual changes ranging from 0% to -6.2%. The last revision, effective June 20, 2025, was a 2.12% decrease.

Home State County Mutual Insurance Company has filed a rate and rule revision for its Ignition Insurance Services (GNM) Monthly personal auto program in Texas, effective August 20, 2025, for new business and September 20, 2025, for renewals.

The change impacts 7,784 policyholders with $15.3 million in written premium. The proposed overall rate impact is +3.06%, with individual changes ranging from a 9.3% increase to a 1.5% decrease. The last revision, effective June 25, 2025, was a 3.11% increase.

Chubb has submitted a rate and rule filing for its Businessowners Policy (BOP) programs in North Carolina, affecting 1,558 policyholders and approximately $3.1 million in written premium. The filing proposes a combined premium increase of roughly $300,000 and introduces updates across multiple BOP forms.

Key changes include an 11.9% proposed rate increase for ACE Fire Underwriters and a 90.9% increase for Pacific Employers under the liability portion of the program.

The filing also introduces a new Policy Expense Fee Rule, revised minimum premium levels based on policy type, and changes to rules governing premium waivers. Ineligible occupancies now exclude automotive repair and dwellings, and the default limit for Damage to Premises Rented To You is set at $100,000. Additional rules and endorsements—ranging from professional liability to data breach and flood—are included.

Acuity is proposing a 2.5% overall rate reduction for its Bis-Pak Businessowners program in Wisconsin, impacting 12,700 policyholders and $65.9 million in written premium.

The filing incorporates updated ISO loss costs for general liability and property, along with revised factors for package modifications, reinsurance costs, auto liability, and broadened premises coverage. The changes result in a $1.64 million premium decrease and will take effect October 6, 2025, for new business and December 6, 2025, for renewals.

Kemper Auto, through Response Insurance Company, is reducing rates by 27% for its Enhanced BVP Private Passenger Auto program in Oregon. The change impacts 134 policyholders and $201K in written premium.

"The Kemper Auto | Enhanced product was introduced on May 12, 2025. As a result of competitive analysis, we are taking this rate decrease in order to have overall rates more in line with our competitors, which means lower rates for our customers."

Effective July 25, 2025, for new business and September 3, 2025, for renewals, the rate decrease reflects a competitive repositioning. Updates include expanded eligibility for liability-only policies, revised rating factors, and reductions across all core coverages. The program also introduces changes to fees and maintains a rate capping rule to manage premium shifts.

Westfield Insurance Company and Westfield National Insurance Company have filed rate and rule revisions for their Home, Boat, and Inland Marine program in Tennessee, impacting over 2,180 in-force policies. The proposed changes, effective November 1, 2025 for renewals, aim to adjust pricing in response to competitive analysis and internal rate of return models.

The filing includes revised rates for endorsements like Equipment Breakdown and Service Line Coverage, along with updates to a range of homeowners forms including Wespak, Homepak, and Estatepak packages. The proposed rate impact is 8.6% for Westfield Insurance and 8.9% for Westfield National, with the most significant increases affecting owners policies (+8.9%), compared to more modest changes for renters (+1.1%) and condos (+0.7%).

Stillwater is seeking a 7.4% overall rate increase for its Businessowners program in Connecticut, where it currently insures 45 policies totaling $103,907 in premium. The proposed changes, effective July 28, 2025 for new business and September 1, 2025 for renewals, follow a 31.9% actuarial indication.

Key updates include premium capping by peril to smooth renewals, revised hurricane reinsurance loads, and a shift to annual 12-month policy terms. Stillwater is also adding procedures for rounding and adjusting sales/payroll projections. Guy Carpenter provided the reinsurance allocation analysis supporting the filing. The largest individual policy increase is +14.1%.

Vermont Mutual Insurance Company is seeking an 18.6% average rate increase for its Homeowners Program in Connecticut, impacting over 12,000 policyholders and raising premiums by approximately $5.27 million. The filing, submitted on a file-and-use basis, follows a 14.2% increase approved in 2024.

The proposal reflects five years of loss data and includes adjustments for storm exposure, reinsurance costs, and investment income. Vermont Mutual emphasizes it does not use price optimization in pricing decisions. Additional changes include a 5% boost to New Home Discounts and an extension of the discount period.

Home State County Mutual has filed to reduce rates for its M-Rad Motorcycle Program in Texas. The filing, submitted July 14, 2025, proposes a -0.100% overall rate decrease, with premium changes ranging from -25.1% to 0%. The new rates are set to take effect on September 1, 2025.

The program currently covers 13 policyholders with $1.15M in written premium. The change is expected to reduce total premium by $1,456. The last rate revision, effective December 15, 2023, increased rates by 19.7%. The filing follows a file-and-use method and remains under review.

Safeco Insurance Company of Illinois, part of Liberty Mutual, has filed and received approval for rate changes to its Personal Auto program in Wisconsin. The filing, submitted and approved on July 14, 2025, takes effect immediately for new business and on November 1, 2025, for renewals.

The update introduces revisions to the Base Rate, Expense Constant, and Model Year factors. While the prior rate revision in October 2024 resulted in a 7% reduction, this filing implements a further decrease of 1.6%, impacting 11,752 policyholders and lowering total written premium by $457,479.

The filing reflects a split adjustment: a 11.1% increase in total liability indications—driven by a 37.3% rise in Bodily Injury and an 8.3% increase in UM/UIM—offset by a 13.8% decrease in total physical damage, including a 20.9% drop in Collision and 5.2% in Comprehensive.

Filed under the “Use & File” method, Safeco’s rate changes are now in effect and backed by updated rating manuals and exhibits.

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.

Lemonade Insurance Company has filed for a revision to its homeowners program in Georgia, covering HO-3, HO-4, and HO-6 forms. The filing, submitted July 15, 2025, impacts 22,669 policies with $13.1 million in written premium and proposes an overall 9.9% rate increase.

Rate adjustments vary by form: +15.9% for HO-3, 0.0% for HO-4, and +9.8% for HO-6. The filing notes an overall indicated change of 48.2% based on a loss ratio method spanning 20 accident quarters through September 30, 2024, with profit and contingencies capped at 7%.

Lemonade previously raised Georgia homeowners rates 14.9% in September 2024. Supporting analysis draws from both internal data and Fast Track state-specific data, with methodologies including chain-ladder loss development and limited fluctuation credibility standards.

The company requested a regulatory status update on July 14, 2025, highlighting urgency around approval.

Acuity has submitted a rate and rule filing in Virginia to revise the loss cost multiplier for its Commercial Inland Marine program. The filing, submitted on July 14, 2025, proposes an effective date of October 6, 2025, for new business and December 6, 2025, for renewals. Acuity is domiciled in Wisconsin.

The proposed change increases the Inland Marine Loss Cost Multiplier to 1.560, resulting in an overall rate effect of +1.6%. This adjustment is expected to impact 195 policyholders and generate an additional $7,890 in written premium, based on the program's current $486,126 premium volume in the state.

This marks the first rate increase since October 2024, when the program last received a rate decrease. The filing does not identify specific vendors or competitors and relies on NAIC Loss Costs Adoption Forms for implementation.

Liberty Mutual Insurance Company and Peerless Indemnity Insurance Company have filed for a 10% overall rate decrease on Homeowners policies in Connecticut. The revised rates are set to take effect July 30, 2025, for new business and September 3, 2025, for renewals.

The filing affects 13 Liberty Mutual policyholders and 229 Peerless policyholders, with written premium reductions of $3,710 and $47,448, respectively. Changes include revised base rates and fixed expenses for both standard and landlord policies. The companies confirm they do not use price optimization or AI in their pricing models, though they leverage AIR catastrophe modeling for coastal risk. Rates in high-risk coastal zones remain compliant with state hurricane deductible rules.

Selective Auto Insurance Company of New Jersey is seeking a 6.9% overall rate increase for its Personal Auto program, effective August 31, 2025, for both new and renewal business. The rate hike is backed by an actuarial indication of +25.3% and filed under New Jersey’s limited prior approval rules.

The filing introduces updated base rates, revised underinsured motorist rates, and adjustments to rating factors for policyholders aged 65 and older. A total of 21,017 policyholders are expected to be affected, representing $5.7 million in written premium. The proposal also includes capped rate changes ranging from +15.5% to +3.2% depending on individual scenarios.

Allstate Indemnity Company is proposing a 23.2% rate increase for its Condominium Homeowners program in Nevada. The filing, submitted on July 10, 2025, would take effect October 27 for new business and December 11 for renewals, impacting 5,488 policyholders and $4 million in written premium. If approved, the change would generate an additional $936,187 in annual premium.

Renewals are subject to a +30% cap, but new business and risk changes are not.

Recent rate history includes increases of 16.7% (2024), 22.9% (2023), and 9.9% (2021). Maximum individual rate impact in this filing could reach +72.4%.

Next Insurance US Company has filed a rate-neutral update to its Commercial Property 4.0 program in Texas, effective November 4, 2025, for new business and January 13, 2026, for renewals. The filing covers the non-liability portion of the Commercial Package policy and introduces refined rate and rule changes to enhance risk segmentation and pricing accuracy.

Despite an overall rate impact of 0%, individual policy changes may range from -79.5% to +119.6%, with rate capping rules applied to renewals. A new surcharge based on prior claim count has been added, along with defined premiums for industry-specific endorsements. The filing also outlines updated rules, including mixed occupancy, aluminum wiring exclusions, and a transition rule for portfolios from unaffiliated insurers. Premium volume for the program is $4.2 million across 3,093 policyholders.

The program utilizes ISO loss costs but will not automatically adopt future ISO updates. Perr&Knight submitted the filing on Next's behalf.

Grange Indemnity has filed for a 12.9% overall rate increase on its Passport Non-Standard Auto program in Tennessee, impacting 93 renewal policies starting October 27, 2025. The filing, submitted June 30, reflects rising costs across core coverages, including a 16.9% bump for Bodily Injury and 21.9% for Property Damage.

While Comprehensive coverage sees a 2.7% decrease, most lines—including Collision and Uninsured Motorist—are trending upward. Grange based its justification on combined Tennessee auto data due to limited product history, applying a 4% profit provision—well below its enterprise target of 14.7%. The last increase, effective in 2024, was 5.9%.

Berkshire Hathaway Specialty Insurance filed to revise Loss Cost Multipliers (LCMs) for its ISO-based Commercial Property program in New Jersey, specifically targeting Human & Social Services (HSS) risks. The change affects 42 policyholders and $558K in written premium.

The filing, submitted June 26, 2025, proposes a 2.2% overall rate increase, with an effective date of October 1, 2025. LCMs for "Outdoor Sports" and "All other" risks remain unchanged.

BHSIC relies on ISO data, SNL financial exhibits, and National Indemnity’s annual statements to support its actuarial review and justify the adjustment.

Mutual of Enumclaw Insurance Company and Enumclaw Property & Casualty Insurance Company have filed for a 15% overall rate increase on their Idaho Excess program, which falls under the Personal Umbrella and Excess liability line. The filing, submitted June 27, 2025, proposes an August 1, 2025 effective date for both new and renewal business.

The rate change would impact 1,126 policyholders in total—767 under Mutual of Enumclaw and 359 under Enumclaw Property & Casualty—raising annual written premium from $301,310 to $346,505. This is the second consecutive 15% hike following a similar increase approved in December 2023.

The companies do not rely on outside rating organizations for this program. While a competitor exhibit was filed, specific rival names were not disclosed. The filing is currently under review by the Idaho Department of Insurance.

Allstate North American Insurance Company has received approval for a 15.6% rate decrease for its Private Passenger Auto program in South Dakota. The filing was submitted on June 26, 2025, and applies to new business starting July 15, 2025, and renewals effective August 15, 2025. Rate Adjustment Factors were revised downward across all coverages, leading to the premium reduction. Channel Factors were updated to reflect lower acquisition costs for direct-bound policies, such as those purchased through Allstate’s website or call center. A clerical update was also made to the Disability Income Coverage rule reference.

Direct-bound policies generally have a lower commission structure, averaging 18.6% less for new business, 14.5% less for first renewals, and 6.8% less for subsequent renewals compared to agency-bound policies. The Channel Factor was set to achieve an 8% premium reduction for direct-bound business. This rate action, driven by competitive positioning, was based on actuarial judgment rather than a formal rate indication. The filing also includes manual and rule updates across variables such as telematics participation, vehicle factors, discounts, and coverages including transportation expense and custom equipment.

Providence Mutual Fire Insurance Company is seeking a 5% rate increase for its homeowners product in New Jersey through an expedited prior approval filing submitted June 26, 2025. Branded “NJ Home Expedited 2025,” the filing targets an effective date of January 1, 2026, for both new and renewal policies.

The 5% increase applies only to owners' forms (HO 00 02, HO 00 03, HO 00 05), leaving current rates unchanged for tenants and condo owners. While the actuarial indication calls for a 28.1% hike, the company is capping the proposed increase at 5%—strategically keeping any individual policyholder increase under 15% to qualify for expedited review.

A total of 6,226 policyholders will be affected, with the change expected to add $480K in written premium to a $9.6M book. Providence Mutual holds just 0.23% of the state’s homeowners market and notes the revision is unlikely to cause material disruption.

The company’s last rate change—a 22.1% increase—took effect in October 2024.

The filing leans on ISO, RMS RiskLink v. 23, and Marshall & Swift/Boeckh for modeling and trending, and is backed by in-house actuaries Joseph Muccio (FCAS) and Ryan Nisbet (ACAS).

American Pet Insurance Company (APIC) has received approval in South Dakota to raise rates for its Trupanion for Chewy Health program, effective November 1, 2025, for new and renewal business.

The change reflects rising veterinary expenses driven by labor costs, consolidation, and advanced treatment technologies, resulting in a 7.6% overall impact on the renewing book, with Accident Only plans increasing 16.0% and Accident & Illness plans increasing 5.7%. The company based its filing on state experience supplemented by national data from the broader Trupanion Pet Health Insurance Program, assuming a 5.9% loss trend and no premium trend, consistent with the March 2025 CPI for veterinary services. First introduced in South Dakota in July 2022, the program offers customizable coverage options, including variable deductibles, benefit limits, wellness endorsements, and discounts, with premiums determined by pet- and coverage-specific factors.

SafePort Insurance Company is seeking approval for a set of rate and rule changes to its Texas Dwelling Fire program, which launched in 2017 and now includes approximately 10,000 policies and nearly $27 million in written premium.

Based on a statewide indication of -7.1%, SafePort is proposing adjustments across multiple rating elements. The filing also introduces formatting changes to the Rates and Rules Manuals to improve clarity and consistency—these edits have no rating impact.

Submitted on June 26, 2025, the proposed effective date for renewals is October 1, 2025.

SafePort is a regional insurer specializing in homeowners and commercial property coverage across hurricane- and catastrophe-prone states, including Florida, Texas, and the Carolinas. Formerly known as Service Insurance Company, SafePort partners with SageSure to distribute coverage and holds an A (Excellent) rating from AM Best. With roots dating back to 1978, the company positions itself as a reliable provider for those seeking protection in high-risk areas.

Lemonade Insurance Company has filed and received approval for a personal auto rate revision in Illinois. The filing was submitted under project number IL F15 and was recorded on June 6, 2025. The new rates take effect on June 10, 2025, for new business and on July 10, 2025, for renewals.

The approved adjustment results in a 12% overall rate increase, closely aligned with the indicated change of 12.2%. The filing impacts approximately 7,164 policyholders and $6.6 million in written premium, generating an additional $793,126 in premium. Individual policyholders may see changes ranging from a maximum increase of 55.9% to a decrease of 5.8%.

Supporting documents include updates to base rates, VIN factor tables, and explanatory memoranda, along with redlined attachments and a confidentiality request to protect certain trade-secret data.

Metromile Insurance Company, a subsidiary of Lemonade, has received approval from the California Department of Insurance for a personal auto rate revision. The filing, submitted in October 2024, was approved on June 27, 2025, with new and renewal rates effective August 6, 2025.

The approved change results in a 4.7% overall rate impact, affecting more than 30,000 policyholders and around $30.6 million in written premium. While the company initially indicated a 24.8% change, the approved adjustment reflects a smaller increase. The filing notes that some customers could see rate changes as high as 27.7% or as low as a 10.1% decrease.

The process involved multiple rounds of objections and responses between Metromile and state regulators, with revisions to rate manuals, supporting exhibits, and actuarial justifications. Regulators emphasized that any future changes to underwriting guidelines or coverage terms would require separate review.

This update highlights Lemonade’s ongoing adjustments to its auto insurance pricing strategy in California, where regulatory scrutiny of rate hikes remains particularly rigorous.

Lemonade Insurance Company secured approval for an 8% overall rate increase on its pet insurance program in Connecticut. The change, effective June 18, 2025 for new business and August 17, 2025 for renewals, affects 7,189 policyholders and $5.6 million in premium, raising premiums by about $453,000.

The filing applies a 10% increase to Accident & Illness coverage and a 3.3% decrease to Preventative coverage. Updates include replacing Pets Best–sourced rating factors with internally developed Deductible x Coinsurance x Annual Limit factors, introducing new discounts for Affinity Groups and Strategic Partners, restructuring Visit Fees as flat charges by pet type, and modifying Preventative coverage by removing coinsurance and raising sublimits.

Lemonade used internal claims data to build a probability distribution supporting the new rating factors. Strategic Partner and Affinity relationships include ZP Insurance, LLC (Gusto Insurance Services).

The filing required an amendment after regulators flagged missing factors, column headers, and premium amounts in the initial manual. Individual policyholder impacts vary significantly, with some increases as high as 143.5%.

Lemonade Insurance Company has filed a pet insurance rate and rule revision in Florida that introduces new coverages and a minor overall rate increase. The filing, dated May/June 2025, impacts 18,639 in-force policies with earned premium of $6.4 million. New business rates take effect November 19, 2025, with renewals effective January 3, 2026.

The update proposes an overall 0.8% rate increase, broken down as 0.0% for accident & illness and +5.0% for preventative coverage. Beyond pricing, the filing restructures visit fees, integrates factor tables, and introduces three new benefits: End of Life and Remembrance, Behavioral Conditions, and Dental Illness. It also adds tiered discounts for Affinity Groups and Strategic Partners.

The program, originally launched in 2020, last saw a 20.3% rate hike effective late 2024/early 2025. Underwriting guidelines now also specify non-renewal conditions, such as threats to employees or failure to cooperate during claims.

Lemonade Insurance Company has filed for a 30% rate increase on HO3 homeowners policies in Virginia. The change, effective July 21, 2025 for new business and September 19, 2025 for renewals, affects 2,420 policyholders and $5.7 million in premium, raising premiums by about $1.7 million.

The filing applies only to HO3 policies, with no changes to HO4 or HO6 rates. It reflects a 32.1% indicated need and incorporates catastrophe provisions for hurricanes, severe convective storms, wildfires, and winter storms, based on exposures as of September 2024. Catastrophe modeling was performed using AIR Touchstone v10.0.

The revision follows a 17.8% increase implemented in January 2024. Regulators issued an objection over manual page alignment and content changes, which Lemonade attributed to formatting issues.

Allstate Vehicle and Property Insurance Company (AVPIC) is seeking approval to raise rates by 11.9% for its Homeowners – Owner Occupied program in Michigan, impacting 133,524 policyholders and $202.7M in written premium. The proposed changes would generate an additional $24.1M in premium.

Key revisions include updated Rate Adjustment Factors, a new Rate Level Factor for Fixed Expense Premium, and a 12.8% increase in Water Backup Endorsement premiums. Renewal impacts—mitigated through Allstate’s rate capping mechanism—range from 6.4% to 18.1%, though unmitigated impacts could reach as high as 24.4%. The full rate impact is expected to phase in over 26 renewal periods.

The filing, submitted June 20, 2025, requests an effective date of August 11, 2025, for new business and September 25, 2025, for renewals. Aon serves as the reinsurance intermediary for Allstate’s catastrophe program.

Independence American Insurance Company (IAIC) has filed updates to its IAIC Version 4 Model Law-F&R pet insurance program in Hawaii, affecting 3,725 policyholders and $2.37 million in written premium. The filing, submitted June 10, 2025, includes form, rate, and rule revisions and proposes a modest 0.795% overall rate increase, following a 12.61% hike that takes effect August 1.

Notable changes include the removal of the 14-day accident waiting period and a reclassification of knee and ligament conditions as illnesses under accident-only policies. The program is structured across distribution channels including PTZ, Pumpkin, and Spot, with the latter exempt from certain transition rules.

The revised rates are scheduled to take effect January 1, 2026, for new and renewal business. IAIC continues to offer a range of discounts—such as 10% for multiple pets, 15% for large employer or affinity groups, and 15% for military and first responders—while capping combined discounts (excluding the multi-pet discount) at 20%. Additional fees include a $15 enrollment charge (with some exceptions) and a $2 installment fee, which is waived for annual payments.

The filing is designed to comply with the Pet Insurance Act and includes updated policy terms and conditions, including a 30-day free look period and 60-day advance notice for non-renewals.

Openly, through Rock Ridge Insurance Company (a Clear Blue subsidiary), filed a rate decrease for its Landlord program in Virginia. The filing, submitted June 9, 2025, and approved June 24, 2025, introduces a -21.1% overall rate impact.

The changes affect 20 policyholders and $50.6k in written premium, resulting in an expected premium reduction of about $10.7k. New business will be subject to the updated rates beginning July 15, 2025, with renewals effective September 14, 2025.

CSAA has filed for a 50.1% average rate increase for its Pet Insurance Plan in California. The program is managed by Companion Protect and proposes an effective date of September 5, 2025, for new business and December 4, 2025, for renewals.

The proposed rate change follows a 2021 launch and reflects updated loss experience and trend assumptions. Monthly base rates are $88.50 for dogs and $45 for cats, with adjustments based on deductible, copay, pet age, territory, and discounts. The lifetime benefit limit is $100,000, with specific sublimits for orthopedic treatment, cremation, and prescription food.

Discounts include multi-pet (up to 5.6%), auto and property bundling (5% each), AAA membership (5%), and military (5%). A service fee of $1–$2 applies based on the payment method.

The filing includes a variance request due to limited historical data and projects premium growth from $638,101 to $957,790 across 1,631 policyholders.

Lemonade Insurance Company filed a rate and rule revision for its private passenger auto program in Illinois, effective May 7, 2025 for new business and June 6, 2025 for renewals. The filing impacts 5,418 policyholders and $4.9 million in premium but carries no overall rate impact.

Changes include the introduction of a Partnership Discount (P50), though no active partnerships currently qualify, revised annual mileage rating factors, updates to the Household Risk Factor based on weighted driving data, and adjustments to base rates. The rate manual also differentiates between base rates for Direct and Agency channels.

The filing has been closed and accepted.

Hugo Insurance Exchange has filed for a 16.8% rate decrease in its private passenger auto program in Arkansas. The new rates take effect on June 10, 2025 for new business and July 10, 2025 for renewals.

The filing affects 65 policyholders with a combined written premium of $87,374. The change reduces premiums by $14,718, with individual impacts ranging from 11.9% to 19%.

Hugo adjusted its permissible loss ratio upward from 50.1% to 59.9%, a move that allows greater pricing flexibility. The company attributed the change in part to competitive pressure from The General, which filed significant base rate cuts earlier in 2025. Hugo mirrored roughly half of those adjustments to avoid overcorrection while maintaining a competitive position in the market.

Rate decreases vary by coverage, with bodily injury down 17.1%, property damage down 21.9%, comprehensive down 18.2%, collision down 26.8%, medical payments down 11.9%, uninsured and underinsured motorists down 1.0%, and rental and towing down around 14.6%.

Hugo entered the Arkansas market in February 2025 and has written 65 policies since launch. In Mississippi, where it began in October 2024, the exchange recently filed a 14% decrease effective April 2025. The Arkansas program is supported by a 50% quota share reinsurance treaty, with an expected reinsurer margin of 7%, resulting in a 3.5% reinsurance provision in Hugo’s pricing model.

Metromile Insurance Company has filed for a 25% overall rate increase on its Homeowners By-Peril Program in Illinois. The change, set to take effect July 8, 2025 for new business and July 9, 2025 for renewals, impacts 452 policyholders and $506,233 in written premium, with an expected increase of about $126,600.

The revision affects HO3 and HO6 policies and is intended to correct premiums that came in lower than anticipated post-launch, raising concerns about adverse selection. The updated figures align with the company’s original Rate Indications Exhibit.

The Illinois Department of Insurance has issued a second objection, noting discrepancies in the stated rate impact (25.0% in the filing vs. 27.4% in the objection), leaving the filing pending.

USAA is seeking a 2.7% overall rate increase for its homeowners program in New Jersey (SERFF #USAA-134509422), with proposed effective dates in August for new business and October for renewals.

The insurer cites inflation-driven growth in non-catastrophe losses as the primary driver and is revising base rates across all entities. Loss development is based on paid losses, reflecting changes in case reserving practices. Catastrophe provisions are modeled using AIR, CoreLogic, KCC, and Verisk, with demand surge included and warm SSTs excluded.

The company notes distributional shifts in its book of business, including members opting for higher deductibles, increasing dwelling amounts due to rising rebuild costs, and a slight decrease in auto-home bundling, which USAA attributes to a competitive marketplace. "The inforce distribution is slowly seeing a smaller share of members benefitting from our Auto/Home Combination discount. 92.2% of members took advantage of this discount in March 2023, while this dropped to 90.5% in March 2025. We believe the more competitive insurance marketplace is the reason for this trend. While we would prefer to write all offered lines of business for all our members, we understand that this is not realistic in a competitive marketplace and are not concerned with the trend of this metric."

The filing follows a 6.4% increase approved in May 2025.

On April 24, 2025, State Farm Fire and Casualty Company filed a request to revise its homeowners deviations in North Carolina, resulting in an overall 2.9% rate increase. The filing (SERFF Tracking Number SFMA-134493263) applies to new business starting June 15, 2025, and renewals starting August 15, 2025.

The changes impact multiple deviation rules, including construction class rating, protective device credits, loyalty discounts, deductible factors, and named storm deductibles. State Farm also updated its customer rating index and introduced new all-peril deductible options for Form 4 and Form 6 homeowners policies.

The filing affects about 665,000 policies and $628 million in written premium.

A corresponding credit score model deviation was filed separately.

A full list of GRID cells and corresponding Location Rating Factors is available at https://forms.b2b.statefarm.com/rate-grid.

The Cincinnati Insurance Company has filed to increase rates by 5.3% for its private passenger auto program in Texas, affecting 6,918 policyholders and resulting in an expected premium increase of $2.26 million on $42.4 million of written premium. The proposed effective dates are October 1, 2025, for new business and November 1, 2025, for renewals.

Alongside the rate change, the insurer is discontinuing its 2020 LPMP symbol program and adopting 2022 ISO liability symbols for newly added vehicles. The filing also introduces new endorsements, including Personal Auto Plus Coverage, Capstone Auto Endorsement, and Capstone Collector Auto Endorsement, along with preferred risk and package discounts, updated insurance scoring rules, and a large loss deductible waiver.

Additionally, the insurer is adding a gender-neutral option to its MOGA factors.

Grange Indemnity Insurance Company submitted a filing on April 23, 2025, seeking a 0.7% rate increase for its Tennessee PinPoint Homeowners 3 program. The change impacts 10,911 policyholders and reflects a $133,719 increase on $20.4 million in written premium.

The filing proposes changes to umbrella factors and clarifies minimum premium language, with new business effective August 10, 2025, and renewals on September 10, 2025.

This follows a 0.6% increase that went into effect in November 2024.

As of April 24, 2025, the filing remains pending an industry response to objections raised around investment income reporting and sinkhole coverage confirmation.

Canal Insurance Company has submitted a rate and rule filing in Maryland proposing a 9.6% overall rate increase for its Commercial Auto program. Filed under SERFF Tracking Number CNLC-134502095, the submission includes updates to liability and physical damage rates, effective July 1, 2025, for new business and August 1, 2025, for renewals.

The filing is based on an indicated rate need of 15.9% but reflects a selected, moderated increase. Approximately 393 policyholders will be affected, with the expected written premium impact totaling $1,016,682 on $10.6 million in premium volume. The proposed changes follow an 18.7% increase implemented in August 2024.

Mutual of Enumclaw Insurance Company and Enumclaw Property & Casualty Insurance Company received approval to raise rates for their NHP & NHPr Homeowners programs in Utah. Filed on April 16, 2025, and approved on May 7, the new rates take effect June 4, 2025, for both new and renewal business.

The 4.4% increase affects 1,610 policyholders across both companies. Mutual of Enumclaw’s share includes 233 policyholders and a $26.5K premium increase, while Enumclaw Property & Casualty covers 1,377 policyholders with a $141K increase. The total written premium is projected to rise from $3.8M to nearly $4M.

This marks the latest in a series of rate hikes, following a 47.1% increase approved in 2024. The rate changes are based on updated loss trends and base premium adjustments.

Cimarron Insurance Company has submitted a rate and rule filing to revise its pet insurance program in North Carolina, underwritten by Cimarron and administered by Kanguro Insurance. The filing proposes a 21.2% overall rate increase, impacting 109 policyholders and generating an additional $13k in written premium.

The effective date for the change is upon approval.

Lemonade Insurance Company submitted a filing in Ohio on March 17, 2025, seeking a base rate revision for its homeowners program (HO3/4/6). The proposed effective date is June 22, 2025, and the filing would impact 18,965 policyholders with $5.2 million in written premium. The change represents an overall rate increase of 10.1% (with an indicated change of 11.1%), adding about $529,702 in premium.

The filing follows a prior rate hike of 14% effective March 7, 2023. Lemonade plans to adopt prospective loss costs from an advisory organization, using both state-specific Fast Track data and internal data for trend analysis. Internal premium-per-exposure data is being leveraged to reflect distribution shifts more quickly.

The maximum individual policyholder change under this filing is 19.2%. The Ohio filing fee was $50.