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

A market-exit wave: carriers are leaving books behind while re-pricing what’s left.

April’s defining move wasn’t a rate — it was the exits. New York CMP, a California BOP block, and a countrywide medical stop-loss line all came off the board, even as commercial auto kept climbing and ISO advisories reset coastal floors.

The month in numbers

586K
Policyholders in featured filings
65
Rate-increase filings
343
Structural filings reviewed
8
Market exits

Northeast Exit

NJM led commercial auto (8% book, heavy trucks +18.4%), but the headline was Community Mutual non-renewing 25,031 New York CMP policyholders into a hardening market. Selective’s New Jersey additional-insured endorsement jumped 150% across a 27,970-policy book.

Community Mutual (NY) 25,031-policy exit

Southeast ISO floor

Travelers’ Georgia auto led (+16.8%, heavy truck ~29%) with Selective and Utica close behind, while Hiscox reset Virginia property-management GL +50%. An ISO South Carolina BOP advisory reset the coastal package floor with Touchstone v11 hurricane modeling.

Travelers (GA) +16.8% · heavy truck ~29%

Midwest / NW Coverage cut

Cincinnati’s Kansas auto led (+18%, buses +97.5%) and Auto-Owners moved a 52,155-policy Kansas GL book +15%, but coverage contraction dominated — a countrywide medical stop-loss exit plus lead, asbestos, EV and PFAS exclusions. Driver-level scoring is now standard in for-hire trucking.

Auto-Owners (KS) +15% · 52,155 PH

Southwest Strip & raise

Kemper moved a 59,184-policy California auto book +13.4%, and Hiscox hit Texas property managers +72.8%. A broad exit wave — Accredited’s CA BOP block, two GuideOne artisan books, State Farm’s frozen-contractor +44.9% — ran alongside trucking carriers stripping coverage while raising rates.

Kemper (CA) +13.4% · 59,184 PH

Rate trends by line

LineTypical approved increaseWhere it concentrated
Commercial Auto+8% to +30% (heavy-truck tails higher)GA, NJ, KS, CA, TX
General Liability+12% to +72% (property management)VA, TX, NC, NJ
CMP / BOPExits + ~12% avg (max +60%)NY, CA, PA
Workers CompQuiet — few qualifying increasesScattered
How we read the month. This recap synthesizes the four regional Filing Watch editions for April 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 · April 2026
National Recap — The Big Picture

Cross-Region Patterns

The exit wave

New York CMP (25,031), a California BOP block, GuideOne artisan books and a countrywide stop-loss line all left the market — displaced accounts are shopping into a hard market.

ISO advisories reset the floor

A South Carolina BOP advisory (Touchstone v11) and earlier cyber forms reset baseline pricing and coverage for every adopting carrier.

Strip coverage while raising rates

Trucking carriers paired big increases with new exclusions (occupant, bobtail, Any-Auto bans) — the policy got smaller as the price got bigger.

Caps on, caps off

Some carriers removed renewal caps (Hiscox) while others added them (CNA, State Farm) — both moves signal true need well above the filed average.

Coverage & structural watch

Market exits (8)

NY CMP (25,031), a CA BOP block, GuideOne artisan books and a countrywide medical stop-loss line all came off the board.

Coverage contraction (91 filings)

Trucking carriers added occupant, bobtail and Any-Auto exclusions; lead, asbestos, EV and PFAS exclusions spread across package and GL.

Advisory & scoring (24 filings)

ISO reset coastal package floors (SC, Touchstone v11) and rewrote cyber forms; CARFAX/TransUnion vehicle scoring deepened in for-hire trucking.

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

Biggest filings nationwide

StateCarrierLineChangePolicyholders
CAKemper (Infinity Select)Commercial Auto+13.4%59,184
KSAuto-OwnersGeneral Liability+15%52,155
PAState FarmCMP / BOP~12% avg (max +60%)32,216
NJSelectiveGeneral LiabilityAI endorsement +150%27,970
TXHiscoxGeneral Liability+33% (mgmt +72.8%)27,919
NYCommunity MutualCMP / BOPMarket exit25,031
TXLiberty MutualGeneral Liability+12%15,094
NCNEXT InsuranceGeneral Liability+12.7% + class scoring13,309
NJNJMCommercial Auto+8% (heavy trucks +18.4%)13,260
Filing Watch · SERFF rate-filing intelligence · Insurance Xdate. Not placement advice. 3 / 3