FILING WATCH
Southeast Edition · February 2026
Page 3 — Filing Effects: Guidelines, Coverage & Scoring
Beyond the Rate Number
This month the fine print moved more than the rates: paper shifts, tier triggers and shopping penalties.
Same region, the part of the filing the rate number hides: company depopulations, dynamic tier rules and discount mechanics approved in February. The throughline — carriers are changing where you're written and how you have to behave, not only what you pay.
Industries in this page's filings
Trucking & Construction
in 2 of 5 filings
Restaurants & Food Delivery
in 1 of 5 filings
Child Care & Social Services
in 1 of 5 filings
Professional & Office
in 1 of 5 filings
Lead Filing · Tiering / Depopulation — Market Signal
TNWorkers CompSeverity 4/5
The Hartford's Tennessee depopulation is a rate hike disguised as a renewal
Approved February 2, effective March 1. The structural core of this month's lead story: The Hartford is depopulating Hartford Underwriters and Sentinel Insurance Company in Tennessee, renewing all of those policies into Twin City Fire Insurance Company — which carries a 2.669 loss-cost multiplier, the state ceiling. Nothing about a client's loss history has to change for the premium to rise; the company name on the renewal does the work. For 25,569 policyholders, the action item is the same: confirm which writing company the March renewal is on, and shop it against the market before it sticks.
Depopulation
Two companies
NCCommercial AutoSev 4
Nutmeg's dynamic Tier Pricing Factor can re-tier you mid-term
The Hartford's Nutmeg unit adds a Tier Pricing Factor (Rule 201) that adjusts a North Carolina commercial-auto risk up or down whenever the carrier refreshes driving records, business characteristics or policy traits — at renewal or mid-term. A minor change in the underlying data can trigger an increase that lives outside the headline rate filing.
604 policyholders · effective Sep 1 · cross-referenced on page 1
NCWorkers CompSev 4
A bright spot: Chubb's ultra-preferred tier cuts professional comp
The counterpoint to Tennessee: Chubb adopts the NC Rate Bureau April loss costs and adds an ultra-preferred tier at a 0.725 multiplier for clean professional firms — attorneys, physicians, dentists, analytical chemists. For 4,848 policyholders this is a reduction, and for agents a quoting opening on white-collar comp while other carriers tighten.
4,848 policyholders · $24.5M premium · favorable · effective Apr 1
Underwriting Guideline Changes
NCBusinessownersSev 3
American Family ties the discount to a 15-day quote clock
Beyond the 34.8%-indicated rate (page 2), American Family's 'Responsible Shopper' discount now requires quoting at least 15 days before the effective date — quote late, pay more. It also re-rates food-delivery hired-and-non-owned auto after poor losses. Two behavioral levers: when you shop, and how delivery exposure is priced.
1,046 policyholders · effective Aug 10 · cross-referenced on page 2
NCOther LiabilitySev 4
Berkley concentrates increases on abuse-exposed human services
Berkley's re-tiering targets the classes where abuse claims and social inflation hit hardest — high-hazard counseling, day care, private schools, foster and adoption agencies. The structural read: care-and-custody risks are being singled out across the human-services market, and the loss-driver named is litigation, not pricing error.
55 policyholders · effective May 1 · cross-referenced on page 2
Also on the radar
The month's pattern is structural, not just numeric: a company depopulation in Tennessee, a dynamic tier trigger in North Carolina, and a quote-timing penalty all change a client's bill without a traditional rate line. On the favorable side, Chubb's preferred professional tier and broadly flat NCRB loss costs mean a rising comp renewal is usually a paper or tier move. And a true NC trucking filing (Sentry) took only half its ~30% need this round — the rest is queued.