A review of 19 filings shows the past two weeks were dominated by Commercial Auto activity in Florida, where all Berkley‐affiliated companies filed to adopt a +15.5 % ISO loss-cost revision. At the same time, two Great American subsidiaries asked to delay the same ISO update. Personal Auto filings were lighter – Allstate filed an 8.7% increase in Tennessee and American Family filed a 0.9% increase in Florida.
Emerging trends (organized by Line of Business)
Commercial auto
| Carrier(s) |
State |
SERFF # |
Why it Matters |
| Berkley group |
FL |
florida-25-024091 |
Anchor filing for nine Berkley entities adopting +15.5% ISO loss-cost revision effective 9/1/2025. Each company will file its own LCM - a 10%-plus premium change is estimated for many fleets. |
| National Interstate, Vanliner |
FL |
florida-24-105861 / florida-24-105865 |
Requests to delay an ISO increase (same as Berkley) to 10/1/2015. |
| Travelers group |
WV |
TRVD-134495834 |
7.5% average rate increase, broadening geography of severity pressure. |
Personal auto
| Carrier(s) |
State |
SERFF # |
Why it Matters |
| Allstate |
TN |
ALSE-134496970 |
8.7% rate increase across 3,976 TN trailer policies; 34 policyholders see hikes above 25%, reflecting targeted re-pricing of sub-programs. |
| American Family Connect |
FL |
florida-24-108878 |
+0.9% overall but noteworthy for introducing elastic-net GLM and a premium stabilization cap. |
| Esurance / Encompass |
SD |
ALSE-134497874 / GMMX-134494691 |
Symbol-only updates filed while new business remains closed; reflects operational disciplines and NAIC Model compliance. |
Workers' compensation
| Carrier(s) |
State |
SERFF # |
Why it Matters |
| Chubb |
FL |
florida-25-019854 |
Chubb's Executive Risk Indemnity Inc. enters the Florida market using undeviated NCCI rates. |
Public auto / specialty commercial
| Carrier(s) |
State |
SERFF # |
Why it Matters |
| Munich Re-affiliated |
FL |
florida-25-007339 |
Adopts ISO public auto references, including granular NAICS deviations and new pollution endorsements. |
Summary
Overall, the mid-April filings reinforce a narrative of rising auto severity, divergent adoption strategies, and increasing sophistication in rating methodologies.
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