Filing Watch: National Recap — February 2026
Insurance Xdate
FILING WATCH
National Recap · February 2026
National Recap
Monthly National Recap

Nevada resets workers comp, and predictive rating engines spread across the country.

February’s market-wide signal came from a bureau — Nevada’s statewide WC reset. Underneath, carriers rolled out hundred-band predictive rating engines and quietly stripped coverage even as headline rates stayed “tempered.”

The month in numbers

342K
Policyholders in featured filings
31
Rate-increase filings
237
Structural filings reviewed
22
New scoring / tiering moves

Northeast Tempered

Safety Group’s Massachusetts auto led (+6.45%, buses +15%) across 19,929 policyholders, with State Farm Ohio HNOA +22.9%. Visible hikes held below indicated, while State Farm’s Customer Rating Index introduced up-to-100% black-box swings.

Safety (MA) +6.5% · State Farm CRI scoring

Southeast Depopulation

The Hartford’s Tennessee WC ran a max 2.669 multiplier as it depopulated 25,569 policyholders, and American Family’s North Carolina BOP carried a 34.8% indicated need. Behavioral underwriting rules (quote-timing, food-delivery HNOA) spread.

Hartford (TN) WC depopulation · 25,569 PH

Midwest / NW Data-driven

Travelers led Kansas auto (+23.9%), and Auto-Owners’ Idaho package book (10,233 PH) raised snow-removal +35% and real-estate dev +40%. Progressive Iowa added annual-mileage scoring; State Farm Montana introduced CRI.

Auto-Owners (ID) +35–40% · 10,233 PH

Southwest Bureau reset

Nevada’s NCCI filing reset workers comp +21.6% statewide (excavation +44%) — a floor every carrier inherits. AmTrust’s 250-band Colorado BOP engine and Farmers dropping UM/UIM on 105,162 umbrella policies showed the rate-up / coverage-down squeeze.

NCCI (NV) +21.6% statewide WC

Rate trends by line

LineTypical approved increaseWhere it concentrated
Commercial Auto+15% to +25%TX, KS, MA, OH
Workers CompBureau reset +21.6% (NV); depopulation elsewhereNV, TN
General Liability+12% to +56% (management liability)CA, NE
CMP / BOP+12% to +60% indicatedCO, ID, KS
How we read the month. This recap synthesizes the four regional Filing Watch editions for February 2026 — approved SERFF filings, unfavorable policyholder impact, severity 3–5 — into the patterns that crossed regions. Florida is unavailable from this SERFF source. Figures are filing-level snapshots; individual impacts vary. 1 / 3
Insurance Xdate
FILING WATCH
National Recap · February 2026
National Recap — The Big Picture

Cross-Region Patterns

A bureau sets the floor

Nevada’s statewide WC reset is the kind of advisory move that re-prices every adopting carrier — prioritized as a market-wide signal.

Hundred-band rating engines

AmTrust’s 250 Risk-Assessment-Band model and State Farm’s Customer Rating Index replace a handful of tiers with near-continuous, data-driven pricing.

Coverage down while rates rise

Farmers stripped UM/UIM from 105,162 umbrella policies; USLI added PFAS exclusions — the real cost increase isn’t always in the rate line.

Behavioral underwriting

Quote-timing discount penalties and food-delivery HNOA crackdowns show carriers pricing how a risk behaves, not just what it is.

Coverage & structural watch

Scoring & tiering (22 filings)

Predictive engines went continuous — AmTrust 250-band, State Farm CRI (±100%), Progressive annual-mileage segmentation.

Coverage contraction (80 filings)

Farmers dropped UM/UIM on 105,162 umbrella policies; USLI added PFAS exclusions; percentage wind/hail deductibles spread on Plains package books.

Underwriting revisions (63 filings)

Eligibility tightened via quote-timing penalties, food-delivery HNOA limits, and Hartford’s Tennessee WC depopulation.

Filing Watch · SERFF rate-filing intelligence · Insurance Xdate. Not placement advice. 2 / 3
Insurance Xdate
FILING WATCH
National Recap · February 2026
National Recap — Exits, Movers & Outlook

Biggest filings nationwide

StateCarrierLineChangePolicyholders
CAFarmers (Truck Ins Exchange)Umbrella / ExcessUM/UIM stripped105,162
TNThe HartfordWorkers CompDepopulation / max 2.669 LCM25,569
MASafety GroupCommercial Auto+6.45% (buses +15%)19,929
OHState FarmCommercial AutoHNOA +22.9%19,132
IDAuto-OwnersCMP / BOPSnow removal +35%, RE dev +40%10,233
IAProgressiveCommercial Auto+10.4% + mileage scoring9,747
KSState FarmCMP / BOP+12%8,854
TXTravelersCommercial Auto+19.5%8,843
Filing Watch · SERFF rate-filing intelligence · Insurance Xdate. Not placement advice. 3 / 3