Comp is quiet and auto is mixed across the Midwest & Northwest — but Acuity just booked its sixth straight Oregon increase.
This month's screen — approved rate increases touching 1,000+ policyholders at severity 4–5, in workers comp and commercial auto — surfaced a single qualifying filing. That's the story: bureau comp is flat-to-down, and the month's biggest auto moves were either decreases (State Farm cut Nebraska 8.4%) or scoring-model changes you'll find on Page 3. Here's the one that cleared the bar.
Lead Filing
Acuity's sixth straight Oregon auto hike: +7.3% overall, uninsured-motorist up ~76%
Approved July 31, effective September 1. Acuity takes an average 7.3% across its Oregon commercial auto book — 1,486 policyholders, $18.1M in premium — but the headline hides the move that matters: uninsured/underinsured-motorist coverage jumps about 76%. Acuity also adopts revised ISO increased-limit factors and cuts physical-damage experience-rating credibility to 75%, so clean-loss accounts earn less credit than they did a year ago. This is the sixth annual increase in a row — read it as a trend line, not a one-off, and expect the UM/UIM component to keep leading.
Also Approved This Cycle
Why only one filing on Page 1?
Workers comp is genuinely soft across the region — bureau loss costs are flat-to-down and the qualifying comp filings this window were favorable or neutral. Commercial auto was busier, but its biggest July moves don't belong here: State Farm cut Nebraska commercial auto 8.4% and trimmed Idaho (Midvale) 7.3%, while its Missouri book — +2.7% on the surface, liability up to +24% underneath — is really a scoring-model story. Those live on Page 3, where the auto pricing action actually moved this month.
The package and liability market is where the Midwest is really re-pricing — led by The Hartford and a 27.9% farm-and-ranch jump.
Same screen, every other commercial line: businessowners, package, general liability and farm carriers are pushing rate — and often taking far less than their own filings say they need. The Hartford's Missouri BOP takes 7.9% against a 20% indication; several carriers filed double-digit needs and settled for low single digits. Translation: these books aren't done.
Industries in this issue's filings
Lead Filing
The Hartford takes 7.9% on Missouri BOP — but its own indication was 20%, and some policies jump 35%
Approved July 29, effective October 10. The region's largest wider-market filing by book: 9,776 Missouri Spectrum businessowners policyholders and $40.8M in premium. The average lands at 7.9% — but The Hartford's actuarial indication was 20.1%, and individual policies can rise as much as 35% as a PCICH tier adjustment reshuffles risks between pricing buckets. When a carrier takes barely a third of its indicated need, the gap doesn't disappear — it reloads for the next filing. Main Street retail, service and office accounts are squarely in scope.
Three Filings Worth a Closer Look
Church Mutual hits Missouri nonprofits with +20.1% GL — on top of last year's 22.5%
Religious congregations, schools and other nonprofits face a second straight 20%+ general-liability increase, effective January 1. Two years of compounding put many renewals roughly 47% above 2024 pricing. Church Mutual is a monoline specialist in these classes — there's no cross-sell discount to soften the blow.
American National raises South Dakota farm & ranch 27.9% — and pulls its expense credits
The region's only severity-5 rate increase this cycle. Following a 48% hike last year, American National takes another 27.9% on South Dakota farm-and-ranch and removes expense-flattening credits that had cushioned larger operations. $9.4M book, effective March 2027. Ag accounts should model the two-year compounding now, not at renewal.
American Family's Midvale: +8.4% Kansas BOP overall — but liability +29% and nail salons up to +77%
The 8.4% average masks a 29% liability jump and nail-salon classes facing up to 77%. Midvale also sharply raises hired- and non-owned-auto rates for food-delivery restaurants and reworks class modification factors. Effective July 24 — already in market. Personal-care and food-service accounts feel this one first.
The Rest of the Qualifying List
| State | Carrier | Line / Sub-type | Severity | Policyholders | Effective |
|---|---|---|---|---|---|
| MO | Cincinnati Insurance | Other Liability — Commercial Umbrella | 3 / 5 | 2,505 | Jan 1, 2027 |
| MO | Auto-Owners | Other Liability — Commercial Umbrella | 3 / 5 | 3,018 | Sep 15, 2026 |
| KS | Farm Bureau P&C / Western Agric | Other Liability — General Liability | 4 / 5 | 6,964 | Nov 1, 2026 |
| OR | Philadelphia Indemnity | Other Liability — General Liability | 3 / 5 | 2,533 | Apr 1, 2027 |
| SD | Farm Bureau P&C / Western Agric | Other Liability — General Liability | 3 / 5 | 1,704 | Nov 1, 2026 |
| KS | Farmers Exch / Mid-Century / Truck | CMP — Businessowners | 3 / 5 | 1,434 | Oct 1, 2026 |
| KS | United Financial (Progressive) | CMP — Businessowners | 3 / 5 | 1,040 | Aug 21, 2026 |
Also on the radar
The near-zero headlines hide the real moves. Farm Bureau's Kansas GL (+0.3%, 6,964 policyholders) and South Dakota GL (+2.6%, 1,704) both adopt ISO 'Size of Risk' factors that swing individual accounts up to +190% in KS and +212% in SD while cutting the largest risks — contractors and agritainment are most exposed. And Progressive's United Financial took just 0.9% on Kansas BOP against an 18.4% indication while quietly adding PFAS and data-privacy exclusions — the coverage cut is the actual filing.
The real Midwest story is under the rate line: scoring models, coverage cuts and a 52.3% wellness repricing.
Same region, the filings whose headline rate hides the action: new scoring algorithms, underwriting-guideline changes and coverage contraction approved in July. Two carriers rebuilt commercial-auto pricing around index scores, and Great American repriced its sports-and-wellness liability book 52.3% while cutting the medical limit in half.
Industries in this page's filings
Lead Filing · Coverage Cut + Rate
Great American reprices sports & wellness liability 52.3% — and halves the medical-expense limit
Approved July 8, effective December 1. Great American's sports-and-wellness general-liability program takes 52.3% against a 131% indicated need — and simultaneously cuts the medical-expense limit from $25,000 to $10,000, so insureds pay materially more for materially less. A matching Oregon filing (also +52.3%, 122% indicated) carries the same terms. Gyms, studios, leagues and wellness centers renewing here should treat the medical-limit cut as the real headline: the rate is barely a third of what the carrier says the book needs, so the next filing is already loading. New optional buy-backs appear for pitching machines, saunas, cryotherapy and water slides.
New Scoring Models — The Trend Is Real
State Farm's Customer Rating Index reshapes commercial auto in two states — opposite headlines
State Farm cut Nebraska commercial auto 8.4% overall under a new Customer Rating Index — but the same model in Missouri takes +2.7% overall while raising liability up to 24% and lifting the CRI surcharge cap to 2.0x. Same algorithm, opposite headline: individual accounts now move on their index score, not the state average. Ask which side of the model your client lands on.
Farmers launches BOP360 in North Dakota with a model that punishes old buildings
Farmers' Fire Insurance Exchange rolls out a generalized-linear-model rating plan that heavily surcharges older buildings and low-scoring habitational risks. It's 0% on paper (a new program), but the model itself is the change — habitational and aging-property accounts get sorted into higher tiers from day one. Effective September 1.
Farm Bureau's 'Size of Risk' turns a 0.3% filing into a ±190% swing
Kansas GL shows just 0.3% overall (6,964 policyholders) and South Dakota 2.6% (1,704) — but both adopt ISO 'Size of Risk' factors that swing small accounts up to +190% (KS) and +212% (SD) while cutting the largest. The average is meaningless here; where your client sits on the size curve is everything. Contractors and agritainment risks are most exposed.
Underwriting Guideline Changes
Pharmacists Mutual exits grocery and adds a firearms exclusion
Alongside a 12.8% Missouri businessowners increase, Pharmacists Mutual exits the grocery segment outright and adds a new firearms exclusion. Independent pharmacies with a grocery or general-retail component — and any insured relying on weapons/firearms coverage — need a replacement market lined up before renewal. Effective November 1.
Occidental raises Missouri motor-carrier rates 24% — a second straight year
A true for-hire trucking filing (SERFF Truckers sub-type): IAT's Occidental takes 24.0% on Missouri motor carriers, following a 26% hike last year, with liability up 30%. Small fleets that renewed through Occidental are now roughly 57% above where they sat two years ago. Effective October 1.
Coverage Contraction & Market Exits
ALPS raises Idaho law-firm cyber 49.1% — some firms up 108%
ALPS takes 49.1% on its Idaho lawyers' cyber program against a 64.3% indicated need, with some firms facing as much as 108%. Solo and small firms that bolted cyber on as a cheap endorsement are the exposure here. Effective October 1.
AmGUARD non-renews its Oregon towing book — all 53 policies
AmGUARD is discontinuing its KBK Towing program in Oregon and non-renewing every policy after the program administrator moved the book elsewhere. Small — 53 policies — but towing is a hard class to place, and those operators are shopping right now. Effective October 28.
Philadelphia adds an Oregon swimming-pool surcharge and steep habitational hikes
A 2.6% overall Oregon GL filing (against a 14.4% indication) that adds a new swimming-pool surcharge and steep habitational increases — the average hides where it actually lands. Apartment, HOA and rec-facility accounts with pools should expect well more than the headline. Effective April 2027.
Also on the radar
A softening counter-note: American Family's Midvale cut Idaho commercial auto 7.3% for competitive positioning despite a positive 2.2% indication — appetite expansion in the Northwest. Meanwhile The Hartford's Trumbull raised Kansas commercial auto 9.0% while adding a telematics discount, and Auto-Owners and Cincinnati both took ~7.5–7.9% on Missouri commercial umbrellas — the excess market is firming even where primary stays flat.
