Society Insurance has filed a rate and rule update in Texas for its Businessowners (BOP) program, proposing an overall rate increase alongside a broad set of rating and earthquake-related rule changes.

The filing was submitted on January 13, 2026, on a file-and-use basis, with a requested effective date of August 1, 2026, for both new and renewal business. The company reports an overall rate impact of 9.3%, representing an estimated $1.5 million increase in written premium across approximately 614 policyholders, on a base of about $16.1 million in premium.

The update includes revised liability class group relativities tied to annual gross sales, updated rate number relativities for buildings and business personal property, and multiple changes to earthquake-related rules. Society is adding a detailed earthquake building classification table, updating sprinkler leakage earthquake extensions, revising earthquake rating rules, and introducing an extensive ZIP code–level earthquake territory table across Texas.

According to the filing, the rates continue to rely on ISO loss costs, with Society applying updated company-specific relativities and multipliers. The rule changes are intended to refine how earthquake exposure is classified and priced by construction type, territory, deductible, and property characteristics, while the rate increase reflects updated loss experience, expense provisions, and profit targets.