Approved Feb 18, effective July 1. Travelers adopted the latest ISO loss costs and rebuilt its Kansas increased-limit factors across a $24.6M book — 1,604 policyholders. The state-wide average lands near 10%, but the Travelers Casualty Insurance Company of America (ACJ) segment averages 23.9% against a 23.8% indicated need. The Rule 100 update makes higher liability limits markedly more expensive — trucks, tractors and trailers carrying big limits feel it most.

Who feels it: motor carriers and trades fleets with high liability limits. Move now: pull renewal dates on ACJ-paper accounts before July and re-quote the high-limit layers specifically — that's where the 24% concentrates.

Approved Feb 6, effective Dec 30. The region's largest package filing this cycle by headcount: 10,233 Idaho commercial-package policyholders, $41.1M in premium. Snow-and-ice-removal contractors take +35% on a 170.5% loss ratio, real-estate development +40% against a 913% loss ratio. The structure is where it bites: the minimum deductible jumps from $100 to $250, officer-payroll basis rises, and a broad abuse/molestation exclusion (CG 40 28) is added across the book.

Who feels it: snow contractors, developers and habitational accounts in Idaho. Move now: read the new abuse/molestation exclusion and the higher deductible into renewal proposals now — the coverage change can matter more to a client than the rate.

Approved Feb 18, effective April 29. Progressive introduced Annual Miles as a formal rating variable on its $61.7M Iowa business-auto book and reassigned whole class groups — landscaping and snowplowing, food delivery moving out of the restaurant bucket, wholesale and retail all shifting tiers. Uninsured Motorist jumps 22.3%, bodily-injury/property-damage liability 10.4%. With 9,747 policyholders, this is the broadest single commercial-auto rerate in the region this month — and once a major writer prices on miles driven, the segmentation spreads to every adopting carrier.