Approved June 23, effective October 1. Grange lifts its Tennessee commercial-auto book about 12.9% overall against a 15.5% indication — but the average hides the real move. New-business public auto (buses, taxis, limos and van pools) sees liability rise up to 256%, with new-business bodily-injury and property-damage as high as 283.7%. Trucks, tractors and trailers rise about 9.3%. New telematics-participation and ADAS discounts and a NAICS-based renewal cap soften the edges for existing accounts.

Who feels it: anyone writing new public-transit or livery risk on Grange paper is effectively priced out, and existing fleets carry a steady single-digit lift. Move now: if you have a bus, limo or van-pool account shopping, Grange is not the market this cycle — and the telematics 'discount' that needs no driving data is a signal their standard rates are getting uncompetitive.

Approved June 30, effective January 1, 2027. The region's largest wider-market filing by headcount: Erie rebuilds Abuse & Sexual Molestation pricing across its 44,327-policyholder North Carolina package book ($142M), moving from flat fees to exposure-based rating. Hotels see molestation-coverage costs up roughly 78%, apartments about 70%, and day cares 25%. Quietly, in the same filing, cyber-extortion, social-engineering and computer-fraud sublimits get cut from $25,000 to $10,000.

Who feels it: habitational, hotel, religious, day-care, school and school-bus-contractor accounts — anyone with people-contact exposure and a small-business cyber sublimit. Move now: the ASM increases are hard to avoid, but the cyber cut is the quiet one — flag clients who were counting on that $25,000 of extortion or fraud protection, because it's about to be $10,000.

Approved June 11-30 across Mississippi, Georgia, South Carolina and North Carolina, with first non-renewals October 28, 2026 and full runoff by October 2027. AmGUARD (Berkshire Hathaway GUARD) is discontinuing its KBK Towing program nationwide and mandatorily non-renewing every policy in it. Georgia alone has about 323 towing operators ($11.1M premium) and South Carolina 81 ($3.2M); the North Carolina and Mississippi books weren't counted but move on the same clock. The trigger isn't loss experience — the program administrator (Novacore dba KBK) voluntarily moved the book to an unaffiliated carrier.

Who feels it: for-hire towing and recovery operators across the Southeast, losing coverage on the same timeline. Move now: 'the book is moving to a new carrier' is not the same as 'your policy renews.' When an administrator switches paper, appetite, pricing and deductibles can all change — treat every one of these accounts as a full re-shop, not a rollover, and start before the October wave hits.