Approved July 7. On the surface it's the softest headline on this page — an average 6.0% — but it rides the largest book in the region by a wide margin: 219,301 Texas commercial-auto policyholders and roughly $1.06 billion in premium. A small percentage on a book that size is the reach story of the month. And the average understates the move: Progressive simultaneously rolls out Scoring Model v5.0, re-sorting every account onto a new index, while its own actuarial indication was 15.5% — more than double the filed rate. When a carrier takes barely a third of its indicated need on a book this large, the gap doesn't close; it reloads for the next filing. Any Texas fleet renewing with Progressive should expect its individual number to diverge from the 6% average depending on where the new model lands it.

Approved July 1, effective October 1. Farmers' Truck Insurance Exchange unit — a commercial-umbrella and excess book, not a trucking program — raises rates an average 33.2% following a 160% loss ratio in 2024. It also tightens the front end: habitational and real-estate building limits are capped for new business, and timeshare and short-term-rental risks are made ineligible outright. 13,624 policyholders and $22.9M in premium are affected. Contractors, wholesalers, retailers, real-estate and hospitality accounts carrying excess limits here should expect both the rate and the eligibility screen to bite — and start shopping their excess towers early.

Approved July 31. In a coordinated set of filings, Liberty Mutual is moving its acquired State Auto policies in Colorado — commercial auto, commercial package, general liability and businessowners alike — onto Liberty Mutual rates, rules and forms. Every filing carries a 0% headline. The reality underneath: most migrating insureds face indicated increases above 30%, and on the general-liability book specifically, 54% of policyholders sit above a 30% indicated need. A three-year transition plan caps the move at plus-or-minus 10% per year, so the 0% is a schedule, not a reprieve — the increase is real and simply spread across renewals. Any Colorado account still on legacy State Auto paper should assume it is now on a multi-year escalator and price accordingly.