Spinnaker Insurance Company filed a Commercial Trucking rate update in Tennessee on February 16, 2026. New business becomes effective March 15, 2026 and renewals April 1, 2026.

The filing produces a 6.54% overall increase, adding about $302,035 on $3.55 million in premium across 18 policyholders. Changes include an 8.5% increase to Auto Liability base premiums and adoption of ISO increased limits factors.

The program is administered by HDVI and uses liability tiering that adjusts monthly based on driving behavior, incorporating telematics driven risk segmentation. The prior revision was an 8.5% increase effective March 1, 2025.

The company is domiciled in Illinois.