Approved Apr 6, effective Sep 1. Cincinnati adopted the ISO Optional Class Plan across its $18.2M Kansas commercial-auto book — 1,792 policyholders — at an 18% average. The averages hide the real damage: public-transit and bus operators face increases up to 97.5%, church buses up to 72.9%, and heavy trucks in Olathe up to 77.3%, all citing poor uninsured-motorist experience. New mandatory exclusions arrive for drones, livery conveyance and abuse/molestation, and the physical-damage deductible now applies to fire and lightning losses that used to be covered from dollar one.

Who feels it: bus and transit operators, churches with vans, and mid-size firms relying on hired/non-owned auto. Move now: re-quote any bus or transit account before September and read the new fire/lightning deductible into your clients' coverage expectations.

Approved Apr 23, effective Mar 1. American Family moved its Missouri commercial farm-and-ranch book — 4,154 policyholders, $25.2M premium — from AAIS to the ISO Commercial Farmowners program. The state average is marketed as rate-neutral, but the form swap drives individual swings up to 81%. The coverage cuts matter more than the number: a new cosmetic-damage exclusion for metal roofs and siding (hail dents you'll now own), an actual-cash-value roof depreciation schedule for older dwellings, and a PFAS 'forever chemicals' exclusion.

Who feels it: row-crop and livestock operations, especially with older buildings or metal structures. Move now: walk farm clients through the metal-roof and ACV roof changes before the next storm season — that's where a 'rate-neutral' renewal turns into a five-figure uncovered claim.

Approved Apr 2, effective Jan 1. A medical stop-loss writer withdrew from the market countrywide — Oregon included — and is terminating its underwriting and actuarial staff for the line. The stated drivers: high medical inflation, surging GLP-1 pharmacy spend, and rising cancer unit costs and frequency, re-baselined to Milliman 2024 stop-loss trend. Self-insured employers with high pharmacy or cancer exposure now have to replace coverage in a tightening market. When a carrier exits an entire line rather than re-rate it, it's the clearest signal there is that the underlying cost trend has outrun pricing — and adopting carriers everywhere take note.