Westfield Insurance submitted a new rate and rule filing in Tennessee to introduce a primary fidelity product covering plastic card exposures. The filing, generated February 19, 2026, establishes a new program designed specifically for credit unions.

The coverage protects against losses from unauthorized transactions involving credit, debit, and ATM cards, including both Card Present and Card Not Present fraud. The filing references major network brands such as Visa, Mastercard, and Discover in connection with covered exposures.

Premiums will be determined using a Rating Card Equivalent (RCE) methodology, which weights ATM cards at 0.1 relative to credit and debit cards to reflect their lower risk profile.

The program represents a targeted expansion into financial institution risk, with distribution tailored to the credit union segment.

A similar filing was submitted in Wisconsin.