Executive summary

In the dynamic world of insurance, regulatory filings offer a glimpse into a carrier's activity and strategic focus. Based on the number of filings approved between January 1 and May 14, 2025, here are the top 5 carriers:

1. Allstate: 368 filings
2. Great American: 332 filings
3. Travelers: 325 filings
4. Farmers: 290 filings
5. Chubb: 275 filings

Let's take a closer look at the nature of the filings from each of these active carriers.

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Allstate

Allstate's filings during this period spanned every major personal line, selected commercial-auto segments, and several inland-marine initiatives. While many were routine form or symbol updates, a notable portion involved significant rate actions.

Key aspects of Allstate's filings include:

• Concentrated increases in Personal Umbrella, with double-digit rate hikes in five states. These increases, ranging from +12% to +65%, suggest a multi-state effort to reprice low-frequency, high-severity layers.
• Broad Homeowners re-rating, with multiple entities within the group implementing 10%-32% increases in at least six states. These changes were often tied to wildfire or fixed-expense revisions.
• Implementation of higher installment and late-payment fees across various product families.
• Introduction of a new 5% "Easy Pay" discount in ANAIC PPA filings in several states, promoting auto-pay enrollment.
• Continued rollout of new modular products, such as ANAIC Valuable Item Protection (VIP).

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Great American

Great American Insurance Group's filings included routine ISO adoptions and loss-cost updates, but also a subset with meaningful operational or financial impact. Several filings showed double-digit rate movements affecting sizeable blocks of policyholders.

Highlights of Great American's filing activity:

• Notable rate movements in Workers Compensation, Commercial Auto, and Professional Liability.
• A multistate strategy to defer or non-adopt the 2023 ISO BOP package, with 28 separate filings in 22 states postponing or rejecting this package.
• Introduction of a Personal Inland Marine "Ticket Protection" product in at least 20 jurisdictions.
• Material rate cuts for Real-Estate E&O in several states, with decreases ranging from -3% to -21%.
• Continued activity in large-deductible Workers Compensation, particularly in Missouri and Minnesota.

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Travelers

Travelers submitted multi-state filings covering personal, commercial, and specialty lines. While most filings were form-only updates, a number of major rate actions were also introduced.

Key filing trends for Travelers:

• Significant rate increases (10%-30%) in several states, particularly in Commercial Auto, Personal Auto, and selected package products.
• Commercial Auto re-rating surge with coordinated double-digit base-rate or deviation changes filed in multiple states, often citing higher loss trends.
• Uniform liability exclusions for Assault/Battery, Silica, Cannabis, and Human-Trafficking were added or revised in nearly every state for umbrella, excess, and CGL products.
• Rollout of a new Farm Property - Equipment Breakdown form in more than 20 states.
• Expansion of CyberRisk coverage with eight new endorsements filed country-wide.

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Farmers

Farmers-affiliated carriers' filings spanned virtually every major line, with the heaviest volume in Personal Auto and Homeowners.

Key takeaways from Farmers' filings:

• Material rate actions were concentrated in Private Passenger Auto, showing sizeable decreases (6%-11%) in legacy books across several states and mid-single-digit increases in newer segments.
• Homeowners filings generally delivered moderate single-digit increases or neutral results.
• Commercial lines showed modest upward pressure in Businessowners and Commercial Umbrella, while Workers' Compensation filings consistently showed decreases.
• Advancement of strategic initiatives including a Special Water Loss sub-limit endorsement and the multi-state rollout of Verisk's "Inflection" credit model.
• Introduction of new payment-plan structures standardizing fees across states and lines.

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Chubb

Chubb's filings covered personal, commercial, specialty, and program business. While most had neutral-to-modest financial effects, several carried double-digit rate movements affecting hundreds to thousands of policyholders.

Notable aspects of Chubb's filings:

• Double-digit increases (15%-45%) in Pet Insurance filings in at least six states.
• Build-out of Specialty Programs, including coordinated, multi-state roll-outs for Kidnap & Ransom (KRE), Employed Lawyers Liability (ELL), and Fiduciary Liability.
• Extensive series of "Benchmarq" Life-Sciences rule updates, with identical, no-rate-impact rule corrections submitted in over 20 jurisdictions.
• Repeated state filings with terrorism surcharges and primary-use factor increases in the Middle Oak BOP segment.
• Numerous "Delayed Adoption" filings to postpone the latest ISO loss-cost updates.

This overview provides a snapshot of the filing activities of these top carriers in the initial months of 2025, highlighting their strategic priorities and areas of focus as observed through their regulatory submissions.

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