Our page-1 screen looks for approved, unfavorable, high-severity rate increases of 1,000+ policyholders in workers comp and commercial auto. In March, across all twelve states, the qualifying commercial-auto moves were either severity-3 (below the floor without 25,000-policyholder reach) or were rate changes whose real substance is a new scoring algorithm — which is exactly what page 3 exists to cover.

The honest read: March is a structural month. Carriers spent it rebuilding how fleets are priced rather than pushing a flat percentage. Berkshire Hathaway Homestate and Canal both reset their Oregon commercial-auto math, and a wave of livestock and small-commercial liability re-rates landed across the Dakotas and the Mountain West. Turn to page 3 — that's where your renewal conversations start this cycle.

Approved Mar 26, effective June 15. Hiscox raises Idaho small-commercial general liability about 7% on average across 1,991 policyholders, but property-management classes take a capped 50% increase against a 176.7% indicated need — the cap is the only thing holding them back. The structural move that touches everyone: a new 25% minimum earned premium that penalizes landscapers, janitorial, mobile-food and small contractors who cancel mid-term, plus a +/-25% schedule-rating plan.

Who feels it: Idaho property managers, landscapers, janitorial and mobile-food operators. Move now: warn clients on the new minimum earned premium before they bind — cancelling early now costs a quarter of the annual premium, and the property-management cap means another increase is likely next cycle.

Approved Mar 5, effective Oct 1. Berkshire Hathaway Homestate adopted ISO Risk Analyzer commercial-auto vehicle symbols across its Oregon book, shifting bodily-injury/property-damage rates +26.5% while cutting physical damage 13.9%. The average increase is about 18% — but the new symbol-driven model produces individual swings as high as 256%, and the carrier's own expected liability rate need is 68%. When a scoring model can more-than-double one account while barely moving the next, the state average stops being a planning tool. Every carrier adopting the same ISO Risk Analyzer symbols inherits the same volatility.