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

The ISO loss-cost cycle hits: 20–40% auto increases land coast to coast — and State Farm purges 90,000 California package accounts.

March was the month the 2024 ISO commercial-auto loss-cost adoption showed up in approved rates everywhere at once. Alongside it, the quarter’s largest single move: State Farm non-renewing a 90,575-policyholder California CMP book.

The month in numbers

518K
Policyholders in featured filings
42
Rate-increase filings
263
Structural filings reviewed
4
Market exits

Northeast Heavy truck

Progressive’s Drive New Jersey book led at +11.1% (heavy trucks +19.5%) over 32,502 policyholders, with Auto-Owners’ Ohio package +30% on managed real estate. Carriers split liability increases from flat physical damage.

Progressive (NJ) +11.1% · 32,502 PH

Southeast Carrier playbook

AmTrust’s South Carolina WC carried a 25.4% indicated need as Wesco shifted to AmTrust paper, while Travelers ran an identical proprietary-limit auto play across North Carolina (+26.3%) and Tennessee (+17.2%). Hiscox reset GL class by class.

Travelers +26.3% NC / +17.2% TN

Midwest / NW Re-engineered

A structural month — page-1 rate qualifiers were thin. Hiscox property-management GL led the wider market (ID/MT), with SECURA ND, Nationwide Agribusiness NE and Grinnell’s South Dakota confined-livestock base up ~350%. GPS travel-tiers and black-box telematics spread.

Hiscox (ID) GL · Grinnell (SD) livestock +350%

Southwest Loss-cost wave

AIG/Glatfelter’s Texas emergency-services book hit law enforcement +103.6% and ambulances +47.2%, while State Farm purged a 90,575-policyholder California CMP book and Berkshire raised CA WC minimum premiums +64%. Scoring now reads Google reviews and Dun & Bradstreet data.

State Farm (CA) 90,575-policy CMP exit

Rate trends by line

LineTypical approved increaseWhere it concentrated
Commercial Auto+11% to +30% (ISO loss-cost cycle)NJ, NC, TN, TX, CA
Workers CompMin-prem +64%; tier / paper shiftsCA, SC, MO
General Liability+7.6% to +50% (mgmt / class resets)NC, VA, CA
CMP / BOPExits + liability up to +83% (State Farm CA)CA, OH
How we read the month. This recap synthesizes the four regional Filing Watch editions for March 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 · March 2026
National Recap — The Big Picture

Cross-Region Patterns

The loss-cost cycle arrives

ISO’s 2024 commercial-auto loss-cost adoption drove 20–40% increases across unrelated carriers in every region — the clearest market-wide signal of the quarter.

State Farm’s California purge

A 90,575-policyholder CMP non-renewal puts motels, salons and day cares into the market at once — those accounts are shopping now.

Scoring reads everything

AmTrust scoring Google reviews and The Hanover pulling Dun & Bradstreet show third-party data moving well beyond credit and telematics.

Liability up, physical damage flat

Carriers repeatedly split big BI/liability increases from flat physical damage — a tell for where the loss pressure actually sits.

Coverage & structural watch

Scoring & tiering (28 filings)

Third-party data went beyond credit — AmTrust scored Google reviews, The Hanover pulled Dun & Bradstreet, ISO Risk Analyzer adoption widened.

Coverage contraction (70 filings)

New exclusions (firearms, abuse, emerging risk) stacked on rate; >50-year-building surcharges and confined-livestock base resets hit Plains books.

Market exits (4)

State Farm purged a 90,575-policy CA CMP book; United Fire exited a legacy Missouri BOP block.

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

Biggest filings nationwide

StateCarrierLineChangePolicyholders
CAState FarmCMP / BOPMarket exit (+83% liability)90,575
CABerkshire Hathaway (BHHC)Workers CompMin-prem +64%80,531
NJProgressive (Drive NJ)Commercial Auto+11.1% (trucks +19.5%)32,502
OHAuto-OwnersCMP / BOPManaged RE +30%, snow +35%24,682
MOMissouri Employers MutualWorkers CompTier / rule revision13,336
NCHiscoxGeneral Liability+7.6% (mgmt +50%)10,650
SCAmTrustWorkers CompWesco→AmTrust, 25.4% indicated8,545
CAThe HanoverGeneral Liability+28.4% + 5 new exclusions6,828
Filing Watch · SERFF rate-filing intelligence · Insurance Xdate. Not placement advice. 3 / 3