Approved March 30, effective July 1. AIG's Glatfelter emergency-services auto program — 1,272 Texas policyholders, $17.8M premium — carries a 78.9% indicated rate need and lands it squarely on public-safety fleets: law enforcement +103.6%, fire departments and firetrucks +51.0%, ambulance services +47.2%, service vehicles +45.5%. The carrier adopted the latest ISO advisory loss costs and revised proprietary ambulance high-deductible factors, citing poor countrywide experience in law-enforcement and ambulance classes.

Who feels it: municipalities, fire districts, EMS and private ambulance operators in Texas. Move now: these are budget-line public entities that can't easily absorb a doubling — start renewal conversations and the surplus-lines search early, because few standard markets want this class right now.

Approved March 11, effective July 1. The Hanover's California small-commercial GL book — 6,828 policyholders, $10.4M premium — takes a 28.4% average, but the class-level numbers bite far harder: sports and fitness +56.2%, medical facilities +51.1%, condominiums +46.9%, cultural institutions +43.3%. On top of the rate, a stack of new mandatory exclusions attaches: opioids, human trafficking, punitive damages, new residential multi-unit construction, and cyber-war on the cyber portion. Life-sciences products/completed-operations is narrowed for clinical trials.

Who feels it: gyms, studios, medical offices, condo associations and life-sciences firms. Move now: the exclusions are the real story — a gym or clinic may keep coverage but lose the protection it actually needs. Read the new endorsement list to every affected client before renewal.

Approved March 11, effective September 15. State Farm's commercial multi-peril program — 90,575 California policyholders, $423.3M premium — issues mandatory non-renewals for a long list of occupancy classes: motels over 30 units, beauty and nail salons, day-care centers, full-service car washes, cemeteries, funeral homes, convenience stores with gas, and real-estate agents who do property management. Any risk over $5 million in building coverage is also non-renewed. Alongside the purge sits an 83.3% liability rate increase, with the carrier citing social inflation, third-party litigation funding, and an 82% jump in California legal advertising since 2020.

Who feels it: tens of thousands of Main Street operators in named classes, plus any larger-building risk. Move now: these are forced non-renewals, not shoppable surcharges — build a target list of affected classes and place them before the September wave hits the market all at once.