Georgia is where Southeast commercial auto repriced this month — and the biggest books moved first.
Every approved increase here cleared one screen: unfavorable rate filings, high severity or 25,000+ policyholders, approved in September across workers comp and commercial auto. The through-line is restraint — carriers filed well under what their own actuaries say they need, so treat these as a down payment, not the final bill.
Industries in this issue's filings
Also Approved This Cycle
Nationwide takes +15% in Georgia and kills its telematics discount
After years of loss ratios above 100%, Nationwide reprices base rates and increased-limit factors and drops the telematics discount outright — so even safe-driving fleets lose a credit they counted on. The approved 15% still trails the 24.1% indicated. Who feels it: smaller Georgia truck fleets; Move now: re-shop any account that was leaning on the telematics break.
AssuranceAmerica files +3.0% while sitting on a 22.7% need
Property damage and UM bodily-injury rates rise, collision eases, but the real moves are structural: the renewal cap narrows and the excluded-driver surcharge disappears. A 3% headline over a 22.7% indication means the gap carries forward. Who feels it: 6,561 Georgia auto accounts; Move now: audit driver schedules before the cap narrows further.
Why no workers comp story this month?
Southeast workers comp was quiet-to-favorable in September. The one WC rate move — Zurich's proposed 16% cut for Virginia tech and life-sciences accounts — was disapproved by regulators, so those employers stay put. The only other WC activity was program machinery: new Arkansas launches from Builders Mutual and EMC, and two South Carolina program withdrawals. All of it lives on page 3. The small-book Georgia auto rate filings that didn't make a feature are in the page 2 tail list.
Package and umbrella carriers are re-pricing the Southeast — and filing well short of the need.
Same screen, every other commercial line: the increases this month cluster in commercial package and excess liability across Virginia, Mississippi and North Carolina. Every lead carrier filed below its indicated rate, and one is quietly tightening who it will even insure.
Industries in this issue's filings
Two Filings Worth a Closer Look
State Farm takes +15.4% on Mississippi package, led by condos and apartments
Mississippi habitational risks drive the increase. State Farm adds fixed expense constants and — the part to watch — starts counting catastrophe claims in experience and claims-history rating, so a single storm loss now follows the account. Indicated need was 30.1%. Who feels it: condo and apartment owners; Move now: document cat-claim history before renewal.
Auto-Owners raises NC umbrella +12.5% and shrinks who qualifies
A 2024 North Carolina umbrella loss ratio of 107.7% drives both the rate and an eligibility squeeze: Auto-Owners exits excess garage and dealership E&O, and makes heavy farm trucks over 20,000 GVW and tractor-trailers ineligible for the umbrella unless the underlying auto is placed with Auto-Owners too. Who feels it: dealers and true motor carriers stacking excess limits; Move now: confirm underlying placement before the May 2027 effective date or the umbrella walks.
The Rest of the Qualifying Rate List
| State | Carrier | Line / Sub-type | Severity | Policyholders | Effective |
|---|---|---|---|---|---|
| GA | RLI | Commercial Auto — Combinations | 3 / 5 | 36 | Mar 1, 2027 |
| GA | RLI (Contractors Bonding) | Commercial Auto — Combinations | 3 / 5 | 4 | Mar 1, 2027 |
Also on the radar
Two edge cases that just miss the rate screen. GuideOne re-tiered its Mississippi church-niche package (approved Sep 23) at a revenue-neutral 0% — no rate story, but new business now gets sorted across paper companies by risk, so placement, not price, is the variable. And Zurich's proposed 16% Virginia workers-comp cut for tech, financial and life-sciences middle-market accounts was disapproved — a reminder that favorable filings can die at the regulator, leaving those 251 employers on current rates.
The real Southeast story this month is who's leaving — and how carriers are scoring what's left.
Set the rate filings aside and a pattern shows up: carriers walking away from whole niches, and new programs that price you on data instead of history. Care providers, daycares, nail salons and two workers-comp programs all got exit notices this cycle.
Industries in this page's filings
Carriers Heading for the Exits
State Farm non-renews daycare and nail salon segments in Georgia and Mississippi
State Farm is fully non-renewing its daycare and nail-salon classes on form CMP-4100 because the niches no longer fit its commercial goals — a matching Mississippi filing carries the same exit. All in-force policies non-renew. Who feels it: child-care centers and salons on State Farm paper; Move now: start replacement shopping a full quarter out.
SiriusPoint shuts its Georgia telematics commercial-auto program
The Connected Non-Fleet program is withdrawn after the Nirvana MGA arrangement ended, and all 170 in-force policies non-renew at expiration. The telematics-first pitch these fleets bought into disappears with the program. Who feels it: small telematics-rated fleets; Move now: these accounts shop as fresh risks — gather the driving data before the program goes dark.
Main Street America and Old Dominion withdraw two SC workers-comp programs
Both carriers are formally retiring their South Carolina workers-comp programs as the parent group consolidates products and sunsets legacy systems; the books have already shifted to affiliates (Old Dominion to Midvale). The programs are empty, so this is cleanup — but the paper your client knew is gone. Who feels it: SC employers formerly on these programs; Move now: confirm which affiliate now holds the policy.
Next Insurance expands its Mississippi daycare exit to all BOP lines
An amended notice widens Next's Mississippi daycare withdrawal from general liability to every business-owner line — liability, property and package — with non-renewals from late September. Who feels it: Mississippi child-care operators on Next; Move now: this is the third daycare exit in the state this month, so move early while replacement capacity still exists.
Also Filed This Cycle
Also on the radar
Scoring is the quiet trend under the rate numbers. On page 1, Progressive added vehicle-history and length-of-ownership variables and Nationwide dropped its telematics discount; here, EMC and Worth Casualty are pricing on predictive tiers and camera footage. The direction is clear: Southeast commercial risks are increasingly priced on data, not just loss history. One large exit falls outside our screen — a carrier's full North Carolina withdrawal from personal renters liability (~26,000 policies) — excluded here as a personal line, but worth knowing if your clients carry it.
