Workers comp was soft across the West this cycle — one California filing clears the bar, and the real auto action is structural.
This month's screen — approved rate increases touching 1,000+ policyholders at severity 4–5, in workers comp and commercial auto — came back nearly empty. Comp was soft or mixed region-wide, with the qualifying increases concentrated in California, and the biggest commercial-auto move of the month wasn't a rate line at all — it was a structural repricing of Allstate's California dealer book (Page 3). Here's the one comp story that cleared, and why it's alone.
Industries in this issue's filings
Also Approved This Cycle
Why only one filing on this page?
Workers comp was genuinely soft-to-mixed across the West this cycle: most qualifying comp activity was flat rate adoptions or program withdrawals rather than broad increases, and what did clear on the rate side clustered in California — Church Mutual is the region's sole comp increase to hit both the severity and the 1,000-policyholder bar. And the month's defining commercial-auto move wasn't a headline rate at all: it was structural — Integon National (Allstate) repricing its California dealer-contingent book 51.6% in a filing whose story is the rating rebuild, not just the number. That's the lead on Page 3, alongside two California commercial-auto market exits.
One carrier is re-pricing California liability all at once: Liberty Mutual takes 25–26% across its package and GL books.
The wider-market pool was lean this cycle. The standout is a single Liberty Mutual repricing of its California liability lines — commercial package and general liability moving together — with a 60% base-rate spike in the Bay Area and new mandatory exclusions. Beyond it, a Spinnaker (Harborway) Oregon general-liability filing pairs a 31.4% hike with hard coverage cuts. Most other non-auto commercial action in the West this month was structural rather than a long list of rate features — that story lives on Page 3.
Industries in this issue's filings
One More Worth a Closer Look
Also on the radar
The wider-market rate pool really was this thin — so rather than pad it with weak filings, here's the honest read: most non-auto commercial action in the West this cycle was structural, not a rate line. New scoring models, program launches, coverage exclusions and market exits carried the month, from a Liberty Mutual Utah farmowners rebuild to Harborway's Texas roofing exclusions and a run of California program withdrawals. All of it is on Page 3.
California commercial auto is being repriced from the inside — and Allstate just took 51.6% on its dealer book.
Same region, the filings whose headline rate hides the action: new scoring algorithms, program launches, coverage contraction and market exits approved in August. The throughline is California commercial auto — Integon/Allstate rebuilding its dealer-contingent rating against a 94.1% indication while two other carriers walk away from California auto segments entirely — alongside a genuine wave of third-party scoring across the West.
Industries in this page's filings
New Scoring Models — The Trend Is Real
HDI Global rolls a revenue-neutral Washington commercial-auto scoring model — credit factors from 0.60 to 2.157
Filed at 0% overall, HDI Global's Washington commercial-auto revision introduces a LexisNexis-based commercial-insurance scoring model whose factors swing from 0.60 to 2.157 — more than a 3.5x spread — plus a new Specialty Risk Rating Plan. The average is meaningless: individual accounts move sharply depending on how the model scores them, with no coverage-form change to point to. Read alongside Integon's California rebuild, third-party data is now pricing Western commercial auto.
Chubb launches Advanced Auto in Montana — ISO 2022 class plan with D&B and LexisNexis scoring
Chubb's new Chubb Advanced Auto commercial-auto program in Montana is built on the ISO 2022 class plan and RACA symbols, with D&B and LexisNexis scoring driving the rate. It adds a broad-form endorsement, proprietary roadside assistance, expanded deductibles and a high-value-vehicle rating plan. A new-program launch, but the scoring engine is the point — the same third-party-data pricing showing up across the region's auto books.
Tri-State (W. R. Berkley) cuts Idaho GL 21.8% — while installing a 50-tier model and PFAS, biometric and roofing exclusions
The headline is a decrease, but the -21.8% masks a full rebuild: Tri-State rolls out a 50-tier predictive model and simultaneously adds PFAS, biometric-information, communicable-disease, open-roof, torch-down and residential-construction exclusions. Contractors, manufacturers and professional-services accounts may see a lower average and narrower coverage at the same time — the tiering decides who actually benefits. Effective December 1.
Underwriting & Coverage Contraction
Also Filed This Cycle
Also on the radar
California workers comp saw its own quiet retreat: Service American withdrew its PDL Atlas parcel-delivery comp program with no refiling for at least three years, Skyward Specialty exited pest-control and oil & gas comp (Xterminator Pro and its oil & gas guidelines) while adopting WCIRB pure premiums for about a 13% net impact, and ProCentury (AF Group) took 9.0% and discontinued its Ground Delivery, Amusements and Security Plus programs. Meanwhile Tri-State (W. R. Berkley) trimmed Oregon GL 2.7% but reverted auto service & repair risks to ISO rating — up to +55.6% for those classes.
