Approved August 3, effective January 11, 2027. Acuity's Kansas commercial auto book — 1,340 policyholders, $17.1M in premium — nets to 0% overall, but the average is the disguise: the filing adopts the ISO 2022 class plan and migrates private-passenger-type vehicles into a standalone commercial framework, swinging PPT-heavy policies up to +92%. The book is revenue-neutral, so every dollar added to one account comes off another — where your client's vehicle mix sits decides the number, not the headline. Coverage moves alongside: a drone/unmanned-aircraft liability exclusion is added, the full-glass deductible waiver moves to an optional endorsement, replacement-cost eligibility extends to 60 months with no mileage cap, and loss-of-use limits rise. Accounts heavy on pickups, SUVs and other private-passenger-type units should re-quote before renewal, not after.

Approved August 20, effective April 1, 2027. The Hanover (Allmerica) lifts its Indiana small-commercial general-liability rates 17.9% by raising its loss-cost multiplier to 1.871 — but the average hides where it lands: wholesalers face +30.4% and medical facilities +27%. The actuarial tell is that the carrier still left 8.5 points of indicated pressure unfilled, so the gap doesn't disappear — it reloads for the next filing. And this isn't a one-state move: a companion Tennessee filing takes 12.6% (2,117 policyholders, professional-services classes +17.6%) by adopting 2025 ISO loss costs and lifting the same multiplier. Distributors, contractors and outpatient-medical accounts on Hanover paper should model the class-level number, not the headline.