Approved February 9, effective March 1. This is the filing that resets the floor for every workers comp carrier in Nevada: NCCI's voluntary loss costs rise 21.6% statewide across a $470.8M book. The bureau cites deteriorated 2021–2023 accident years — unusual large-loss activity in construction and a sustained frequency climb in leisure and hospitality — amplified by Nevada's unique $36,000 payroll cap, which limits premium but not benefit growth. The class-level numbers are brutal: rock excavation (1699) +44%, fibergoods +44%, paint manufacturing +42.5%, excavation and welding +40%.

Who feels it: every Nevada employer at renewal, but excavation, drilling, oil-and-gas pipeline and hospitality classes worst. Move now: loss costs are the floor — carriers layer their LCM on top, so a clean experience mod is the only lever left. Get mods reviewed before March 1.

Approved February 20, effective May 1. United States Liability's non-profit D&O/EPL program — 6,463 California policyholders, $10.2M premium — takes a 56% average increase, with 175 organizations seeing 50%+ and a maximum near 137%. Employment Practices Liability losses drive it: mandatory EPL retentions jump by employee band (a 351–500 employee non-profit moves from $10k to $100k), and a new 1.39 territory factor adds a 39% surcharge across Los Angeles, Orange, Riverside, Sacramento and Ventura counties. A mandatory PFAS exclusion now attaches to every coverage part.

Who feels it: non-profits with 11+ employees in Southern California, especially those where EPL is a big share of premium. Move now: the retention jump is the silent hit — a client expecting a $10k retention may now self-insure the first $100k. Re-quote before May.

Approved February 5, effective December 1. AmTrust rebuilds its Colorado businessowners program around a 250-tier Risk Assessment Band system — the same hundred-band approach spreading across the package market — with RAB factors reaching 12.495. The model is explicitly benchmarked against Travelers and Hartford, and the carrier admits it was previously underpriced: the indicated need is 60.3%. Wesco policyholders average +58.3%, Security National +123%, and an unlucky band assignment can push an individual renewal to 460%. Liquor-liability factors for taverns and restaurants nearly double, with new tornado (9.9%) and winter-storm catastrophe loads stacked on top.

Who feels it: Colorado restaurants, taverns and clubs, plus any small-business risk in the Wesco or Security National paper. Move now: band assignment is the whole game — ask the carrier which RAB a client landed in and why, then shop anyone in a high band.