Middlesex Insurance Company and Sentry Insurance Company, both part of the Sentry Insurance Group, filed a commercial property rate update in Kentucky effective January 1, 2026, for new and renewal business. The exempt filing revises Loss Cost Multipliers, adopts ISO’s CF-2024-RLA2 reference loss costs, and updates Middlesex’s Package Modification Factors, resulting in an overall 5.8% rate increase.

The change impacts 106 policyholders, with Sentry accounting for most of the premium impact: a $166,438 increase, offset by a $4,969 decrease for Middlesex.

The filing follows a 17.3% rate hike implemented in December 2024.