Insurance carrier
Encova Mutual Insurance Group
Currently ranked #42 by filing activity. Activity below is based on admitted P&C product filings from Sep 23, 2025 to Sep 23, 2026.
Rank
#42
Top 500 carrier
Filings
1,251
09/23/25 to 09/23/26
Companies
11
States
24
State footprint
Latest
Sep 3, 2026
Avg rate increase +3.2%
flow
Tracked Filing Volume
where filings move
State Activity
rate impact
Reported Rate Impact
Filings
217
Companies
9
Avg Impact
+3.2%
Max Increase
+41.1%
Max Decrease
-10.0%
Reported rate impact by state
-10.0% to -1.0%-1.0% to +1.2%+1.2% to +5.4%+5.4% to +41.1%
Rate impact filingsShowing up to 50 filings
12/04/25Motorists Mutual Insurance CompanyMECommercial AutoRate/Rule+41.1%+41.1%
12/04/25Motorists Mutual Insurance CompanyWVCommercial AutoRate/Rule+26.5%+36.3%
12/04/25Motorists Commercial Mutual Insurance CompanyMECommercial AutoRate/Rule+25.6%+52.8%
12/04/25Phenix Mutual Fire Insurance CompanyWVCommercial AutoRate/Rule+24.1%+36.8%
12/04/25Motorists Commercial Mutual Insurance CompanyWVCommercial AutoRate/Rule+23.9%+38.2%
12/04/25Phenix Mutual Fire Insurance CompanyTNCommercial AutoRate/Rule+22.6%+29.0%
12/04/25Motorists Commercial Mutual Insurance CompanyTNCommercial AutoRate/Rule+22.3%+29.2%
12/04/25Wilson Mutual Insurance CompanyTNCommercial AutoRate/Rule+22.0%+28.9%
05/04/26Wilson Mutual Insurance CompanyGACommercial AutoRate/Rule+21.3%+18.8%
12/04/25Wilson Mutual Insurance CompanyPACommercial AutoRate/Rule+20.0%+27.1%
05/15/26Wilson Mutual Insurance CompanyRICommercial AutoRate/Rule+19.3%+26.9%
12/04/25Phenix Mutual Fire Insurance CompanyMECommercial AutoRate/Rule+19.3%+34.4%
05/04/26Motorists Mutual Insurance CompanyGACommercial AutoRate/Rule+18.7%+25.8%
05/15/26Motorists Commercial Mutual Insurance CompanyRICommercial AutoRate/Rule+18.4%+30.2%
12/04/25Motorists Mutual Insurance CompanyOHCommercial AutoRate/Rule+18.4%+25.8%
05/04/26Motorists Commercial Mutual Insurance CompanyGACommercial AutoRate/Rule+18.0%+21.5%
05/15/26Phenix Mutual Fire Insurance CompanyRICommercial AutoRate/Rule+17.7%+26.9%
12/04/25Motorists Commercial Mutual Insurance CompanyPACommercial AutoRate/Rule+17.4%+26.6%
12/04/25Wilson Mutual Insurance CompanyOHCommercial AutoRate/Rule+17.3%+28.0%
12/04/25Motorists Mutual Insurance CompanyTNCommercial AutoRate/Rule+17.1%+27.4%
05/15/26Motorists Mutual Insurance CompanyRICommercial AutoRate/Rule+17.0%+26.8%
12/04/25Motorists Commercial Mutual Insurance CompanyOHCommercial AutoRate/Rule+16.9%+27.2%
12/04/25Phenix Mutual Fire Insurance CompanyOHCommercial AutoRate/Rule+16.7%+29.1%
12/04/25Wilson Mutual Insurance CompanyWVCommercial AutoRate/Rule+16.7%+35.8%
12/04/25Motorists Mutual Insurance CompanyPACommercial AutoRate/Rule+16.4%+24.3%
12/04/25Phenix Mutual Fire Insurance CompanyPACommercial AutoRate/Rule+15.3%+25.3%
12/04/25Phenix Mutual Fire Insurance CompanyMECommercial PropertyRate/Rule+13.9%+16.8%
05/04/26Phenix Mutual Fire Insurance CompanyGACommercial AutoRate/Rule+13.4%+20.9%
04/30/26Motorists Mutual Insurance CompanyGAGeneral LiabilityRate/Rule+11.1%+14.4%
04/30/26Phenix Mutual Fire Insurance CompanyGAGeneral LiabilityRate/Rule+10.7%+13.3%
04/30/26Phenix Mutual Fire Insurance CompanyGACommercial PropertyRate/Rule+10.7%+28.9%
04/30/26Motorists Commercial Mutual Insurance CompanyGAGeneral LiabilityRate/Rule+10.3%+14.4%
12/04/25Motorists Commercial Mutual Insurance CompanyMECommercial PropertyRate/Rule+10.0%+25.0%
04/30/26Motorists Mutual Insurance CompanyGACommercial PropertyRate/Rule+9.9%+23.6%
05/15/26Motorists Commercial Mutual Insurance CompanyNCCommercial PropertyRate/Rule+9.2%+14.3%
04/30/26Wilson Mutual Insurance CompanyGAGeneral LiabilityRate/Rule+8.7%+11.6%
04/30/26Motorists Commercial Mutual Insurance CompanyGACommercial PropertyRate/Rule+8.4%+21.6%
12/04/25Motorists Mutual Insurance CompanyMECommercial PropertyRate/Rule+8.4%+8.4%
12/15/25MICOPAHomeownersRate/Rule+8.0%+22.5%
10/24/25Motorists Mutual Insurance CompanyKYHomeownersRate/Rule+7.0%+15.2%
07/02/26MICOWVHomeownersRate/Rule+6.9%+19.2%
05/15/26Wilson Mutual Insurance CompanyRIGeneral LiabilityRate/Rule+6.4%+12.3%
05/22/26Wilson Mutual Insurance CompanyWVCommercial AutoForm/Rate/Rule-6.6%0.0%
05/28/26Motorists Mutual Insurance CompanyMECommercial AutoForm/Rate/Rule-7.6%0.0%
12/15/25BrickStreet Mutual Insurance CompanyGAWorkers CompensationRate/Rule-8.2%+2.2%
12/03/25Wilson Mutual Insurance CompanyTNCommercial PropertyRate/Rule-8.7%+14.1%
12/15/25NorthStone Insurance CompanyGAWorkers CompensationRate/Rule-8.9%+2.7%
12/15/25PinnaclePoint Insurance CompanyGAWorkers CompensationRate/Rule-9.2%+7.8%
12/15/25SummitPoint Insurance CompanyGAWorkers CompensationRate/Rule-9.3%+3.3%
10/16/25MICOTNPersonal AutoRate/Rule-10.0%0.0%
product mix by company
Top 5 companies
Motorists Mutual Insurance Company290 filings
General Liability72
Commercial Auto49
Commercial Property49
Businessowners30
Commercial Umbrella30
Motorists Commercial Mutual Insurance Company281 filings
General Liability73
Commercial Auto49
Commercial Property49
Businessowners30
Commercial Umbrella30
Phenix Mutual Fire Insurance Company278 filings
General Liability72
Commercial Auto49
Commercial Property49
Businessowners30
Commercial Umbrella30
Wilson Mutual Insurance Company277 filings
General Liability72
Commercial Auto49
Commercial Property49
Businessowners30
Commercial Umbrella30
MICO77 filings
Personal Auto33
Homeowners22
Dwelling Property10
Dwelling5
Personal Automobile3
live tape
Recent Documents
Forms
207 docs09/03/26MICOILSpecial_Provisions-Illinois_DP0112_0319_MARK-UP.pdfDwelling Property
09/03/26MICOILSpecial_Provisions-Illinois_DP0112_0127M_CLEAN.pdfDwelling Property
09/03/26MICOILSpecial_Provisions-Illinois_HO0112_0127M_CLEAN.pdfHomeowners
09/03/26MICOILSpecial_Provisions-Illinois_HO0112_0319_MARKUP.pdfHomeowners
09/03/26MICOILPersonal_Umbrella_Amendment_Of_Policy_Provisions-Illinois_DL9866_0127_CLEAN.pdfPersonal Umbrella
09/03/26MICOILPersonal_Umbrella_Amendment_Of_Policy_Provisions-Illinois_DL9866_0118_MARKUP.pdfPersonal Umbrella
09/03/26MICOILTermination_Provisions-Illinois_PP0274_0127_CLEAN.pdfPersonal Auto
09/03/26MICOILTermination_Provisions-Illinois_PP0274_1223_MARKUP.pdfPersonal Auto
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_49_03_01_-_Wyoming_Amendatory_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_04_24_-_Audit_Noncompliance_Charge_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_00_01_A_MCM.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_03_01_A_-_Alternate_Employer_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_03_03_C_-_Employers_Liability_Coverage_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_00_00_C_-_WC_and_EL_Insurance_Policy.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWY00_01_02_B_-_Federal_Mine_Safety_And_Health_Act_Coverage_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_03_02_-_Designated_Workplaces_Exclusion_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC_00_04_19_-_Premium_Due_Date_Endorsement.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 99 06 03 C Variable Signature Form -Ed 7-23.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 99 06 14 A 7-23.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 99 06 01 A Encova.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 99 06 00 A Encova.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 89 06 34 A Encova.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 99 06 02 A Encova.pdfWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYWC 99 06 04 A Encova.pdfWY Stop Gap
07/21/26MICOINPP0266_0826.pdfPersonal Auto
07/21/26MICOINPP0266_Marked.pdfPersonal Auto
07/21/26MICOINDP0113_0724_marked.pdfDwelling Property
07/21/26MICOINDP0113_0826M.pdfDwelling Property
07/21/26MICOINHO0113_0826M.pdfHomeowners
07/21/26MICOINHO0113_0724M_marked.pdfHomeowners
07/15/26Wilson Mutual Insurance CompanyIACM CW MG0037 1225 Cannabis Exclusion with Hemp and Five Milligram THC Exceptions - Handbook.pdfInland Marine
07/15/26Wilson Mutual Insurance CompanyIACM CW MG0036 1225 Cannabis Exclusion with Hemp And Five Milligram THC Exceptions.pdfInland Marine
07/13/26Wilson Mutual Insurance CompanyNHCP_CW_MG0025_1225_Cannabis_Exclusion_with_Hemp_And_Five_Milligram_THC_Exceptions.pdfCommercial Property
07/13/26Wilson Mutual Insurance CompanyOHCP CW MG0025 1225 Cannabis Exclusion with Hemp And Five Milligram THC Exceptions.pdfCommercial Property
07/13/26Phenix Mutual Fire Insurance CompanyNCBPP CW CG0002 0726 Business Owners Plus General Liability - Essentials.pdfGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYCG CW MG0049 1225 Cannabis Excl with Hemp, 5mg THC Exceptions - Elect Data Liab.pdfGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYCG CW MG0051 1225 Cannabis Exclusion with Hemp, Lessors Risk, 5mg THC Exception.pdfGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYCG CW MG0050 1225 Cannabis Excl with Hemp, 5mg THC Exceptions - Prod Withdrawal.pdfGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYCG CW MG0048 1225 Cannabis Exclusion With Hemp and Five Milligram THC Exception .pdfGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYCU CW M00059 1125 Cannabis Exclusion with Hemp And Five Milligram THC Exceptions.pdfCommercial Umbrella
07/09/26Wilson Mutual Insurance CompanyKYCU CW M00060 1225 Cannabis Excl with Hemp, Lessors Risk, 5mg THC Exceptions.pdfCommercial Umbrella
07/09/26Wilson Mutual Insurance CompanyKYCA CW DA0040 1225 Cannabis Excl with Hemp, Lessors Risk, 5mg Exceptions For GL Dealer.pdfCommercial Auto
07/09/26Wilson Mutual Insurance CompanyKYCA CW DA0039 1225 Cannabis Excl with Hemp, 5mg THC Exception For GL Dealer.pdfCommercial Auto
07/09/26Wilson Mutual Insurance CompanyKYBP CW MG0051 1225 Cannabis Liability Excl With Hemp, Lessors Risk, 5mg THC Exceptons.pdfBusinessowners
07/09/26Wilson Mutual Insurance CompanyKYBP CW MG0052 1225 Cannabis Property Exclusion With Hemp And Five Milligram THC Exceptions.pdfBusinessowners
07/09/26Wilson Mutual Insurance CompanyKYBP CW MG0050 1225 Cannabis Liability Exclusion with Hemp And Five Milligram THC Exceptions.pdfBusinessowners
07/01/26Motorists Mutual Insurance CompanyKYPersonalInjuryProtectionKentuckyPP05701226CLEAN.pdfPersonal Auto
07/01/26Motorists Mutual Insurance CompanyKYPersonalInjuryProtectionKentuckyPP05700918MARKUP.pdfPersonal Auto
06/18/26Wilson Mutual Insurance CompanyNHBPP CW CG0002 07 26 Business Owners Plus General Liability - Essentials.pdfGeneral Liability
06/17/26Wilson Mutual Insurance CompanyILBPP IL CG0002 0726 Business Owners Plus General Liability - Essentials - Illinois .pdfGeneral Liability
Rate/Rule
251 docs08/28/26MICOKYPersonal Auto Rate PagesPersonal Auto
08/28/26MICOWIWI Personal Auto Rate PagesPersonal Auto
08/27/26MICOILHomeowners Rate PagesPersonal Auto
08/27/26MICOILHomeowners Rate PagesPersonal Auto
08/27/26MICOOHHomeowners Rate PagesPersonal Auto
08/27/26MICOOHHomeowners Rate PagesPersonal Auto
08/27/26MICOTNTN Personal Auto Rate PagesPersonal Auto
08/27/26MICOTNTN Personal Auto Rate PagesPersonal Auto
08/21/26MICOINPersonal Auto Rate PagesPersonal Automobile
08/19/26MICOWIWI Exceed Homeowners Underwriting GuidelinesHomeowners
08/19/26MICOWIWI Exceed Homeowners Underwriting GuidelinesHomeowners
08/19/26MICOWIWI Multi-State Exceed Dwelling Property Underwriting GuidelinesDwelling
08/19/26MICOWIWI Multi-State Exceed Dwelling Property Underwriting GuidelinesDwelling
08/18/26MICOKYKY Exceed Dwelling Property Underwriting GuidelinesDwelling
08/18/26MICOKYKY Exceed Dwelling Property Underwriting GuidelinesDwelling
08/18/26MICOKYKY Exceed Homeowner Underwriting GuidelinesHomeowners
08/18/26MICOKYKY Exceed Homeowner Underwriting GuidelinesHomeowners
08/14/26PinnaclePoint Insurance CompanyMOIndividually Rated Large Deductible Plan - MissouriMissouri Individual Risk Filing
08/03/26MICOWVWV Auto Rating PagesPersonal Auto
07/21/26MICOPADwelling Property Rate PagesDwelling Property
07/21/26MICOPADwelling Property Rate PagesDwelling Property
07/20/26MICOWVWV Dwelling Rating PagesDwelling
07/20/26MICOINIndiana Dwelling Property Rate PagesDwelling Property
07/20/26Wilson Mutual Insurance CompanyNCRule 36. Business Owners Plus - General Liability - EssentialsGeneral Liability
07/20/26Wilson Mutual Insurance CompanyNCVariable Commercial Lines CommissionGeneral Liability
07/17/26MICOTNDwelling Property Rate PagesDwelling Property
07/17/26MICOTNDwelling Property Rate PagesDwelling Property
07/16/26MICOILIL Dwelling Rating PagesDwelling Property
07/16/26MICOILIL Dwelling Rating PagesDwelling Property
07/16/26MICOKYKY Dwelling Rating PagesDwelling Property
07/15/26Wilson Mutual Insurance CompanyIAEP CW CM0038 1225Inland Marine
07/15/26Wilson Mutual Insurance CompanyIAEP CW CM0038 1225Inland Marine
07/15/26Wilson Mutual Insurance CompanyIAEP CW CM0039 1225Inland Marine
07/15/26Wilson Mutual Insurance CompanyIAEP CW CM0039 1225Inland Marine
07/15/26MICOWIDwelling Property Rate PagesDwelling Property
07/14/26SummitPoint Insurance CompanyMOIndividually Rated Large Deductible Plan - MissouriMissouri Individual Risk Filing
07/13/26Wilson Mutual Insurance CompanyNHRule 26.A.2. Cannabis ExclusionCommercial Property
07/13/26Wilson Mutual Insurance CompanyNHRule 26.A.2. Cannabis ExclusionCommercial Property
07/09/26Wilson Mutual Insurance CompanyKYRule 44.A.1.k.2. Cannabis ExclusionsGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYRule 42.A.5.b. Cannabis ExclusionsGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYRule 36.C.32.b. and c. Cannabis ExclusionsGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYRule 44.A.1.k.2. Cannabis ExclusionsGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYRule 42.A.5.b. Cannabis ExclusionsGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYRule 36.C.32.b. and c. Cannabis ExclusionsGeneral Liability
07/09/26Wilson Mutual Insurance CompanyKYRule 50.C.g.(2) and (3) Cannabis Exclusion OptionsCommercial Auto
07/09/26Wilson Mutual Insurance CompanyKYRule 50.C.g.(2) and (3) Cannabis ExclusionsCommercial Auto
07/09/26Wilson Mutual Insurance CompanyKYRule 25.C.31.b.c Exclusion - CannabisCommercial Umbrella
07/09/26Wilson Mutual Insurance CompanyKYRule 25.C.31.b.c Exclusion - CannabisCommercial Umbrella
07/09/26Wilson Mutual Insurance CompanyKYRule 29.E.3.a.(2) and (3) Cannabis ExclusionsBusinessowners
07/09/26Wilson Mutual Insurance CompanyKYRule 29.E.3.a.(2) and (3) Cannabis ExclusionsBusinessowners
Supporting Documentation
852 docs08/28/26MICOKYActuarial Memorandum (if applicable)Personal Auto
08/28/26MICOKYActuarial Memorandum (if applicable)Personal Auto
08/28/26MICOWIRatePersonal Auto
08/28/26MICOWIRatePersonal Auto
08/27/26MICOILActuarial ExhibitsPersonal Auto
08/27/26MICOILActuarial ExhibitsPersonal Auto
08/27/26MICOILExplanatory MemorandumPersonal Auto
08/27/26MICOOHFiling Requirements Summary - P&CPersonal Auto
08/27/26MICOOHFiling Requirements Summary - P&CPersonal Auto
08/27/26MICOOHFiling Requirements Summary - P&CPersonal Auto
08/27/26MICOTNFiling Description and Cover LetterPersonal Auto
08/27/26MICOTNFiling Fees For Property and CasualtyPersonal Auto
08/27/26MICOTNRate/Rule Filing ChecklistPersonal Auto
08/27/26MICOTNRate Justification for Personal LinesPersonal Auto
08/27/26MICOTNRate Justification for Personal LinesPersonal Auto
08/21/26MICOINRisk Group Support ExhibitPersonal Automobile
08/21/26MICOIN80 Filing Description/Cover Letter/NAIC TransmittalPersonal Automobile
08/21/26MICOIN82 Actuarial SupportPersonal Automobile
08/21/26MICOIN80 Filing Description/Cover Letter/NAIC TransmittalPersonal Automobile
08/07/26Motorists Commercial Mutual Insurance CompanyWYAssociated Forms ListWY Stop Gap
08/07/26Motorists Commercial Mutual Insurance CompanyWYRate and Form Certification of ComplianceWY Stop Gap
08/03/26MICOWVActuarial ExhibitsPersonal Auto
08/03/26MICOWVRate Abstract P&CPersonal Auto
08/03/26MICOWVActuarial MemorandumPersonal Auto
08/03/26MICOWVCertificationPersonal Auto
07/21/26MICOPAActuarial Explanatory Memorandum & Supporting Exhibits (PC)Dwelling Property
07/21/26MICOPAActuarial Explanatory Memorandum & Supporting Exhibits (PC)Dwelling Property
07/21/26MICOPAActuarial Explanatory Memorandum & Supporting Exhibits (PC)Dwelling Property
07/21/26MICOPAActuarial Explanatory Memorandum & Supporting Exhibits (PC)Dwelling Property
07/21/26MICOPAActuarial Explanatory Memorandum & Supporting Exhibits (PC)Dwelling Property
07/20/26MICOWVRate Abstract P&CDwelling
07/20/26MICOWVActuarial ExhibitsDwelling
07/20/26MICOWVActuarial ExhibitsDwelling
07/20/26MICOWVCertificationDwelling
07/20/26MICOWVActuarial MemorandumDwelling
07/20/26MICOIN80 Filing Description/Cover Letter/NAIC TransmittalDwelling Property
07/20/26MICOIN82 Actuarial SupportDwelling Property
07/20/26MICOIN82 Actuarial SupportDwelling Property
07/20/26MICOIN82 Actuarial SupportDwelling Property
07/20/26Wilson Mutual Insurance CompanyNCRate Filing Questionnaire FC-074General Liability
07/20/26Wilson Mutual Insurance CompanyNCExplanatory Memorandum - All LinesGeneral Liability
07/20/26Wilson Mutual Insurance CompanyNCExplanatory Memorandum - All LinesGeneral Liability
07/20/26Wilson Mutual Insurance CompanyNCRate Filing Questionnaire FC-074General Liability
07/20/26Wilson Mutual Insurance CompanyNCRate Filing Questionnaire FC-074General Liability
07/20/26Wilson Mutual Insurance CompanyNCRate Filing Questionnaire FC-074General Liability
07/20/26Wilson Mutual Insurance CompanyNCFiling SupportGeneral Liability
07/20/26Wilson Mutual Insurance CompanyNCM0R. Rule ComparisonGeneral Liability
07/17/26MICOTNRate Justification for Personal LinesDwelling Property
07/17/26MICOTNRate Justification for Personal LinesDwelling Property
07/17/26MICOTNFiling Fees For Property and CasualtyDwelling Property