Southern Trust Insurance Company has filed for an overall 5.5% increase in Georgia businessowners insurance rates, with a requested effective date of December 11, 2026 for new and renewal business.

The filing affects 877 policyholders and approximately $3.6 million in written premium. Reported rate changes range from 3.8% to 8.3%, generating an estimated $197,898 in additional premium.

Submitted October 12, the filing is identified as an ISO adoption and includes revised rate and rule manuals. Southern Trust reports an indicated rate need of 18.4%, above the proposed increase. Its previous rate revision was a 9.9% increase effective December 1, 2023.