Filing Watch: Southeast — March 2026 (3-Page Tabloid)
Insurance Xdate
FILING WATCH
Southeast Edition · March 2026
Page 1 — Workers Comp & Commercial Auto
Monthly Rate Briefing

AmTrust resets South Carolina comp while Travelers re-prices fleets in two states at once.

Every filing here cleared the same screen: rate increases, high severity, 1,000+ policyholders, disposed in March 2026. Workers comp leads with a 25% AmTrust indication in South Carolina, and Travelers runs the same proprietary-limit play across North Carolina and Tennessee commercial auto.

Industries in this issue's filings

Trucks, Tractors & Trailers
in 2 of 4 filings
Construction & Trades
in 3 of 4 filings
Retail & Food Service
in 2 of 4 filings
Auto Dealers & Service
in 2 of 4 filings

Lead Filing

SCWorkers CompSeverity 4/5

AmTrust's South Carolina comp book carries a 25.4% indication — and a quiet tier shift

Approved March 5, effective June 1. AmTrust re-prices its South Carolina workers-comp book — 8,545 policyholders, $26.7M in premium — against a 25.4% actuarial indication. Existing AmTrust paper rises 14.5%, Milford Casualty 13%, Wesco 9.2%. The move to watch is structural: Wesco renewals shift onto AmTrust paper, and new Wesco business is priced roughly 38% higher through an expanded loss-cost-multiplier range. The company a client renews on can change the bill more than the rate does.

25.4%
Indicated need
+14.5%
AmTrust paper
8,545
Policyholders
$26.7M
Premium

Also Approved This Cycle

NCCommercial AutoSev 4

Travelers takes 26% on its NC Casualty paper

The region's biggest auto book this cycle — 3,086 North Carolina policyholders, $89.4M in premium. The Travelers Casualty Insurance Company of America paper takes 26.3%, with trucks, tractors and trailers and high-limit risks hit hardest as Travelers drops ISO increased-limit factors for proprietary ones.

3,086 policyholders · $89.4M premium · effective Sep 1
TNCommercial AutoSev 4

The same Travelers play lands in Tennessee at 17.2%

Travelers' Tennessee twin: the Casualty Insurance Company of America paper averages 17.2%, with heavy trucks at high limits and auto dealers worst, and individual changes up to 25.2%. When one carrier runs the identical proprietary-limit switch across states, it's a program decision — not a local correction.

1,868 policyholders · $42.6M premium · effective Jul 1
GACommercial AutoSev 4

American National's 25% Georgia indication, capped at 15% for now

American National adopts ISO loss costs and Risk Analyzer scoring on its Georgia business-auto book. The indicated need is 24.8%, but the state caps individual hits at 14.99% — so most policyholders see only the first wave. Trucking collision indications run +46% behind the cap. Expect a second filing.

213 policyholders · $0.9M premium · effective Sep 5

Why so little workers comp elsewhere?

Outside the AmTrust filing, Southeast comp was quiet and mostly favorable in March. Georgia, Virginia and Tennessee all posted bureau-driven loss-cost filings that were flat-to-down for policyholders this window. AmTrust stands out precisely because it's moving against that grain — and the Wesco-to-AmTrust paper shift is the kind of change that raises a client's comp bill while the broader market eases. That contrast is your conversation.

Northeast
SoutheastThis week
Midwest / NW
Southwest
How we screen. SERFF filings via Insurance Xdate, filtered for: approved in March 2026, unfavorable policyholder impact, high-to-critical severity, rate-increase or scoring effect, Workers Comp (16.0) and Commercial Auto (20.0), 1,000+ policyholders affected (relaxed where a scoring change is the story). Florida returned no qualifying SERFF filings in this dataset for the window. Figures are filing-level SERFF snapshots; individual impacts vary. 1 / 3
Insurance Xdate
FILING WATCH
Southeast Edition · March 2026
Page 2 — The Wider Market: All Other Lines
Beyond WC & Auto

GL re-prices by class again — and the umbrella market is catching up after a decade of standing still.

Same screen, every other commercial line. Hiscox runs another class-by-class general-liability reset, Berkshire Hathaway re-rates Georgia package business, and a State Farm umbrella program untouched since 2013 finally moves. CGL, CMP and excess dominate the qualifying list.

Industries in this issue's filings

Property Management & Real Estate
in 3 of 4 filings
Contractors & Trades
in 3 of 4 filings
Retail & Food Service
in 2 of 4 filings
Hospitality & Liquor
in 2 of 4 filings

Lead Filing

NCGeneral LiabilitySeverity 4/5

Hiscox averages 7.6% in North Carolina — but property managers pay 50%

Approved March 26, effective August 17. The region's largest GL filing by headcount: 10,650 North Carolina policyholders. Hiscox re-rates by class — property management +50%, floor-covering installation +30%, artisan and manual-trade contractors +22.5% (the carrier's own term for its prior pricing is 'considerably inadequate'), landscaping +20%, retail and food service +15%. The 7.6% average hides individual renewals as high as 58%.

+50%
Property mgmt
+22.5%
Artisan trades
10,650
Policyholders
7.6%
Average

Three Filings Worth a Closer Look

GACommercial PackageSev 4

Berkshire Hathaway re-rates GA package — and starts scoring crime and credit

Contractors +11.9%, property managers +12.5%, hospitality +10.2%, liquor liability +25%, auto physical damage +20.1%. But the durable change is the new rating inputs: a CoreLogic Violent Crime Score and a LexisNexis commercial credit score now move premium across lines. The structural detail leads page 3.

1,286 policyholders · $8.1M premium · effective Apr 1
GACommercial UmbrellaSev 4

State Farm's GA umbrella moves for the first time since 2013

A 56.7% indicated need after twelve years without a rate change. Basic premium up $80, and the excess-layer math gets steeper — the second layer jumps from 50% to 70% of base, with higher minimums per layer. Heaviest on $1M-plus limits, multi-vehicle risks and large farms. The cost of buying up a limit just rose.

4,402 policyholders · $3.2M premium · effective Jun 15
NCGeneral LiabilitySev 3

A second NC CGL wave sits just under the headline

Beyond Hiscox, North Carolina drew several more GL and CMP rate increases this cycle reaching thousands of accounts — businessowners books at 4,560 and 2,969 policyholders among them. No single carrier dominates; the pattern is steady, broad re-rating of small-commercial liability across the state. Re-shop renewals landing this summer.

4,560 + 2,969 policyholders · summer effective dates

The Rest of the Qualifying List

StateCarrierLine / Sub-typeSeverityPolicyholdersEffective
NCBusinessowners filerCMP — Businessowners4 / 54,560Nov 1, 2026
NCBusinessowners filer (LCM)CMP — Businessowners4 / 52,969Sep 1, 2026
NCBusinessowners filerCMP — Businessowners3 / 54,670Jun 7, 2026
GACommercial umbrella filerOther Liability — Umbrella/Excess4 / 54,402Jun 15, 2026

Also on the radar

Two filings just miss our commercial bar but matter to your book: a Tennessee personal-umbrella increase reaching 29,330 policyholders (approved Mar 20) and a Georgia personal-umbrella filing at 5,678 (Mar 25) — personal lines, excluded by rule, but your commercial clients carry them. On the commercial side, a severity-5 Georgia commercial-umbrella rate increase (approved Mar 17) hit a small book hard, and the Berkshire Hathaway scoring filing above is the structural lead on page 3.

How we screen, page 2. Same filters as page 1 — approved March 2026, unfavorable impact, severity 4–5 (severity 3 with 25,000+ reach), rate-increase effect, 1,000+ policyholders — applied to every commercial line except Workers Comp (16.0) and Commercial Auto (20.0). State Farm is deprioritized by rule (small books trip the policyholder filter); its umbrella filing is featured here for the size of the increase, not the headcount. Personal lines are excluded. Figures are filing-level SERFF snapshots; not placement advice. 2 / 3
Insurance Xdate
FILING WATCH
Southeast Edition · March 2026
Page 3 — Filing Effects: Guidelines, Coverage & Scoring
Beyond the Rate Number

Third-party scoring is now rating crime, credit and driving records across Southeast commercial books.

Same region, the part of the filing the rate number hides: new scoring algorithms, underwriting changes and market exits approved in March. The throughline is unmistakable — carriers are pricing on CoreLogic, LexisNexis and ISO Risk Analyzer data, not just a business's own loss history.

Industries in this page's filings

Contractors & Trades
in 3 of 4 filings
Hospitality & Liquor
in 2 of 4 filings
Auto Dealers & Motor Carriers
in 2 of 4 filings
Property & Real Estate
in 2 of 4 filings

Lead Filing · Scoring Model — Market Signal

GACommercial PackageSeverity 4/5

Berkshire Hathaway prices your zip-code crime score and your credit — across multiple lines

Approved March 2, effective April 1. Berkshire Hathaway Direct adds a CoreLogic Violent Crime Score and a LexisNexis commercial credit score (Attract for BusinessOwners) as rating factors across property and general liability, then layers new CDL-experience and vehicle-age factors on the auto side and adds wind/hail deductible tables. The result: a Georgia business can pay more because of its neighborhood's crime index or the owner's credit file — independent of its own claims. Contractors land +11.9%, property managers +12.5%, liquor liability +25%.

Crime score
New GL/property factor
Credit score
Across lines
+25%
Liquor liability
1,286
Policyholders

New Scoring Models — The Trend Is Real

GACommercial AutoSev 4

American National adopts ISO Risk Analyzer — with a 25% need behind a 15% cap

American National brings ISO's Risk Analyzer Commercial Auto scoring and 2024 loss costs to Georgia. The actuarial indication is 24.8%, but the state caps individual increases at 14.99% — so policyholders see the first slice now and the rest at the next renewal. Trucking collision indications run +46%, private-passenger units on commercial policies +71.7%, against a 481% uninsured-motorist loss ratio.

213 policyholders · 24.8% indicated · effective Sep 5
GACommercial PackageSev 4

The Berkshire scoring stack (see lead) reaches contractors hardest

The same CoreLogic and LexisNexis inputs driving the lead apply across contractors, property and hospitality — the classes where a 'thin file' owner or a high-crime address moves the number most. When the rate depends on third-party data, the appeal path is the data, not the loss run. Pull the client's scores before renewal.

1,286 policyholders · effective Apr 1 · cross-referenced on page 2

Market Exits & Underwriting Changes

VACommercial AutoSev 5

AmTrust retires its Tower Program for Virginia auto dealers and motor carriers

AmTrust (Security National / Wesco / Technology) withdraws the Tower Program commercial-auto product in Virginia entirely, effective May 1, pulling several broad-form, garage and glass endorsements with it. Auto dealers, motor carriers, repossession services and delivery restaurants on the program need a new market before the non-renewals arrive.

— program withdrawal · approved Mar 13 · effective May 1
SCWorkers CompSev 4

AmTrust's Wesco-to-AmTrust paper shift is a structural move, not just a rate

The SC comp lead on page 1 has a fine-print core: AmTrust migrates Wesco renewals onto AmTrust paper at a different loss-cost multiplier and widens its LCM range, pricing new Wesco business ~38% above renewals. The paper a client lands on now sets the bill. Confirm which company a renewal is being written on.

8,545 policyholders · effective Jun 1 · cross-referenced on page 1

Coverage Contraction

GACommercial UmbrellaSev 4

State Farm re-percentages excess layers after 12 years flat

Beyond the headline rate, the structural change in State Farm's Georgia umbrella is how excess layers are priced: the second layer moves from 50% to 70% of base, with higher per-layer minimums. Going up a limit now costs materially more — a real consideration for $1M-plus accounts, multi-vehicle risks and large farms shopping higher protection.

4,402 policyholders · 56.7% indicated · effective Jun 15
GACommercial PackageSev 4

Berkshire's new wind/hail deductible tables shift coastal risk back to insureds

Inside the same Georgia package filing: new wind/hail-specific deductible rating tables. Paired with the crime and credit scoring, the filing both re-prices and re-shapes coverage — owners in storm-exposed or high-crime areas carry more of the risk, and the deductible structure is now a negotiation point at quote.

1,286 policyholders · effective Apr 1 · part of the lead filing

Also on the radar

The scoring wave shows up in three carriers this month alone — Berkshire (crime + credit), American National (ISO Risk Analyzer) and farm-auto driver models carrying into April. On the favorable side, several Georgia and Virginia workers-comp loss-cost filings trended down, so a rising client comp renewal usually signals a tier or paper move (see the AmTrust SC story), not the market. And a severity-5 Virginia auto market exit (Tower Program) means dealers and motor carriers are shopping right now.

How we screen, page 3. SERFF filings via Insurance Xdate, approved in March 2026, Southeast states, all commercial lines, severity 3–5, filing effects SCORING_MODEL / UNDERWRITING_REVISION / COVERAGE_MODIFICATION / MARKET_EXIT / TIERING_REVISION. Because these effects mingle with rate changes, each featured filing was pulled and verified for substance — rate-driven stories live on pages 1–2. Favorable changes are flagged. Policyholder threshold relaxed where the structural change is itself the story. 3 / 3