AmTrust resets South Carolina comp while Travelers re-prices fleets in two states at once.
Every filing here cleared the same screen: rate increases, high severity, 1,000+ policyholders, disposed in March 2026. Workers comp leads with a 25% AmTrust indication in South Carolina, and Travelers runs the same proprietary-limit play across North Carolina and Tennessee commercial auto.
Industries in this issue's filings
Lead Filing
AmTrust's South Carolina comp book carries a 25.4% indication — and a quiet tier shift
Approved March 5, effective June 1. AmTrust re-prices its South Carolina workers-comp book — 8,545 policyholders, $26.7M in premium — against a 25.4% actuarial indication. Existing AmTrust paper rises 14.5%, Milford Casualty 13%, Wesco 9.2%. The move to watch is structural: Wesco renewals shift onto AmTrust paper, and new Wesco business is priced roughly 38% higher through an expanded loss-cost-multiplier range. The company a client renews on can change the bill more than the rate does.
Also Approved This Cycle
Travelers takes 26% on its NC Casualty paper
The region's biggest auto book this cycle — 3,086 North Carolina policyholders, $89.4M in premium. The Travelers Casualty Insurance Company of America paper takes 26.3%, with trucks, tractors and trailers and high-limit risks hit hardest as Travelers drops ISO increased-limit factors for proprietary ones.
The same Travelers play lands in Tennessee at 17.2%
Travelers' Tennessee twin: the Casualty Insurance Company of America paper averages 17.2%, with heavy trucks at high limits and auto dealers worst, and individual changes up to 25.2%. When one carrier runs the identical proprietary-limit switch across states, it's a program decision — not a local correction.
American National's 25% Georgia indication, capped at 15% for now
American National adopts ISO loss costs and Risk Analyzer scoring on its Georgia business-auto book. The indicated need is 24.8%, but the state caps individual hits at 14.99% — so most policyholders see only the first wave. Trucking collision indications run +46% behind the cap. Expect a second filing.
Why so little workers comp elsewhere?
Outside the AmTrust filing, Southeast comp was quiet and mostly favorable in March. Georgia, Virginia and Tennessee all posted bureau-driven loss-cost filings that were flat-to-down for policyholders this window. AmTrust stands out precisely because it's moving against that grain — and the Wesco-to-AmTrust paper shift is the kind of change that raises a client's comp bill while the broader market eases. That contrast is your conversation.
GL re-prices by class again — and the umbrella market is catching up after a decade of standing still.
Same screen, every other commercial line. Hiscox runs another class-by-class general-liability reset, Berkshire Hathaway re-rates Georgia package business, and a State Farm umbrella program untouched since 2013 finally moves. CGL, CMP and excess dominate the qualifying list.
Industries in this issue's filings
Lead Filing
Hiscox averages 7.6% in North Carolina — but property managers pay 50%
Approved March 26, effective August 17. The region's largest GL filing by headcount: 10,650 North Carolina policyholders. Hiscox re-rates by class — property management +50%, floor-covering installation +30%, artisan and manual-trade contractors +22.5% (the carrier's own term for its prior pricing is 'considerably inadequate'), landscaping +20%, retail and food service +15%. The 7.6% average hides individual renewals as high as 58%.
Three Filings Worth a Closer Look
Berkshire Hathaway re-rates GA package — and starts scoring crime and credit
Contractors +11.9%, property managers +12.5%, hospitality +10.2%, liquor liability +25%, auto physical damage +20.1%. But the durable change is the new rating inputs: a CoreLogic Violent Crime Score and a LexisNexis commercial credit score now move premium across lines. The structural detail leads page 3.
State Farm's GA umbrella moves for the first time since 2013
A 56.7% indicated need after twelve years without a rate change. Basic premium up $80, and the excess-layer math gets steeper — the second layer jumps from 50% to 70% of base, with higher minimums per layer. Heaviest on $1M-plus limits, multi-vehicle risks and large farms. The cost of buying up a limit just rose.
A second NC CGL wave sits just under the headline
Beyond Hiscox, North Carolina drew several more GL and CMP rate increases this cycle reaching thousands of accounts — businessowners books at 4,560 and 2,969 policyholders among them. No single carrier dominates; the pattern is steady, broad re-rating of small-commercial liability across the state. Re-shop renewals landing this summer.
The Rest of the Qualifying List
| State | Carrier | Line / Sub-type | Severity | Policyholders | Effective |
|---|---|---|---|---|---|
| NC | Businessowners filer | CMP — Businessowners | 4 / 5 | 4,560 | Nov 1, 2026 |
| NC | Businessowners filer (LCM) | CMP — Businessowners | 4 / 5 | 2,969 | Sep 1, 2026 |
| NC | Businessowners filer | CMP — Businessowners | 3 / 5 | 4,670 | Jun 7, 2026 |
| GA | Commercial umbrella filer | Other Liability — Umbrella/Excess | 4 / 5 | 4,402 | Jun 15, 2026 |
Also on the radar
Two filings just miss our commercial bar but matter to your book: a Tennessee personal-umbrella increase reaching 29,330 policyholders (approved Mar 20) and a Georgia personal-umbrella filing at 5,678 (Mar 25) — personal lines, excluded by rule, but your commercial clients carry them. On the commercial side, a severity-5 Georgia commercial-umbrella rate increase (approved Mar 17) hit a small book hard, and the Berkshire Hathaway scoring filing above is the structural lead on page 3.
Third-party scoring is now rating crime, credit and driving records across Southeast commercial books.
Same region, the part of the filing the rate number hides: new scoring algorithms, underwriting changes and market exits approved in March. The throughline is unmistakable — carriers are pricing on CoreLogic, LexisNexis and ISO Risk Analyzer data, not just a business's own loss history.
Industries in this page's filings
Lead Filing · Scoring Model — Market Signal
Berkshire Hathaway prices your zip-code crime score and your credit — across multiple lines
Approved March 2, effective April 1. Berkshire Hathaway Direct adds a CoreLogic Violent Crime Score and a LexisNexis commercial credit score (Attract for BusinessOwners) as rating factors across property and general liability, then layers new CDL-experience and vehicle-age factors on the auto side and adds wind/hail deductible tables. The result: a Georgia business can pay more because of its neighborhood's crime index or the owner's credit file — independent of its own claims. Contractors land +11.9%, property managers +12.5%, liquor liability +25%.
New Scoring Models — The Trend Is Real
American National adopts ISO Risk Analyzer — with a 25% need behind a 15% cap
American National brings ISO's Risk Analyzer Commercial Auto scoring and 2024 loss costs to Georgia. The actuarial indication is 24.8%, but the state caps individual increases at 14.99% — so policyholders see the first slice now and the rest at the next renewal. Trucking collision indications run +46%, private-passenger units on commercial policies +71.7%, against a 481% uninsured-motorist loss ratio.
The Berkshire scoring stack (see lead) reaches contractors hardest
The same CoreLogic and LexisNexis inputs driving the lead apply across contractors, property and hospitality — the classes where a 'thin file' owner or a high-crime address moves the number most. When the rate depends on third-party data, the appeal path is the data, not the loss run. Pull the client's scores before renewal.
Market Exits & Underwriting Changes
AmTrust retires its Tower Program for Virginia auto dealers and motor carriers
AmTrust (Security National / Wesco / Technology) withdraws the Tower Program commercial-auto product in Virginia entirely, effective May 1, pulling several broad-form, garage and glass endorsements with it. Auto dealers, motor carriers, repossession services and delivery restaurants on the program need a new market before the non-renewals arrive.
AmTrust's Wesco-to-AmTrust paper shift is a structural move, not just a rate
The SC comp lead on page 1 has a fine-print core: AmTrust migrates Wesco renewals onto AmTrust paper at a different loss-cost multiplier and widens its LCM range, pricing new Wesco business ~38% above renewals. The paper a client lands on now sets the bill. Confirm which company a renewal is being written on.
Coverage Contraction
State Farm re-percentages excess layers after 12 years flat
Beyond the headline rate, the structural change in State Farm's Georgia umbrella is how excess layers are priced: the second layer moves from 50% to 70% of base, with higher per-layer minimums. Going up a limit now costs materially more — a real consideration for $1M-plus accounts, multi-vehicle risks and large farms shopping higher protection.
Berkshire's new wind/hail deductible tables shift coastal risk back to insureds
Inside the same Georgia package filing: new wind/hail-specific deductible rating tables. Paired with the crime and credit scoring, the filing both re-prices and re-shapes coverage — owners in storm-exposed or high-crime areas carry more of the risk, and the deductible structure is now a negotiation point at quote.
Also on the radar
The scoring wave shows up in three carriers this month alone — Berkshire (crime + credit), American National (ISO Risk Analyzer) and farm-auto driver models carrying into April. On the favorable side, several Georgia and Virginia workers-comp loss-cost filings trended down, so a rising client comp renewal usually signals a tier or paper move (see the AmTrust SC story), not the market. And a severity-5 Virginia auto market exit (Tower Program) means dealers and motor carriers are shopping right now.
