Product background
Businessowners insurance packages property and liability coverage for small and midsize businesses, including offices, retail risks, and smaller apartment or service businesses.
BOP filing research is strongest when it follows eligibility rules, property extensions, liability limitations, state amendments, and endorsements that tailor a standard small-business package.
Common filing signals
- BOP policy forms, declarations, eligibility rules, and state amendments
- Property extensions, water backup, equipment breakdown, and protective safeguards endorsements
- Liability endorsements for additional insureds, employee benefits, exclusions, and hired or non-owned auto
Rate impact
Filings
1,050
Carriers
94
Avg impact
+8.0%
Max increase
+284.0%
Max decrease
-26.4%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| IN | 49 | +7.6% |
| WI | 41 | +7.1% |
| GA | 40 | +6.9% |
| PA | 40 | +6.5% |
| TN | 40 | +7.7% |
| TX | 38 | +13.2% |
| VA | 38 | +5.9% |
| KS | 37 | +7.2% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Tiptree Financial Group10 states | +59.7% | 10 |
| Amtrust Financial Services Group13 states | +53.3% | 14 |
| ACP Insurance Mgmt LLC Group1 states | -24.2% | 1 |
| Alliance Insurance Group4 states | +23.6% | 4 |
| Mercury GEN Group1 states | +22.3% | 2 |
| US Insurance Company of America2 states | +22.1% | 2 |
| Arch Insurance Group1 states | +18.9% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Dec 31, 2025 | Amtrust Financial Services Group | TX | Businessowners | +284.0% | +478.8% |
| Mar 30, 2026 | Amtrust Financial Services Group | SD | Businessowners | +198.0% | +198.0% |
| Mar 11, 2026 | Amtrust Financial Services Group | DE | Businessowners | +128.2% | +128.2% |
| Dec 11, 2025 | Amtrust Financial Services Group | NH | Businessowners | +126.8% | +126.8% |
| Dec 31, 2025 | Amtrust Financial Services Group | TX | Businessowners | +94.9% | +444.1% |
| Mar 30, 2026 | Amtrust Financial Services Group | SD | Businessowners | +88.3% | +88.3% |
| Dec 11, 2025 | Amtrust Financial Services Group | NH | Businessowners | +80.8% | +276.4% |
| Mar 13, 2026 | Tiptree Financial Group | OR | Businessowners | +80.7% | +80.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Businessowners | Berkshire Hathaway Group | Revised | 72 | Sep 15, 2026 |
| Sexual Misconduct Go | Guideone Insurance Group | Revised | 29 | Sep 15, 2026 |
| - 2026 ISO Bop Loss Cost Non-Adoptions | American Financial Group | Other | 13 | Sep 15, 2026 |
| Volant Hab Bop | Randall & Quilter Investment Group | New | 3 | Sep 15, 2026 |
| Bop 0227 Form Filing | The Dentists Insurance Company | Revised | 1 | Sep 15, 2026 |
| Lrp 0227 Form Filing | The Dentists Insurance Company | Revised | 1 | Sep 15, 2026 |
Top carriers
Liberty Mutual Group253
Chubb Limited Group230
Amtrust Financial Services Group200
Berkshire Hathaway Group177
American Financial Group154
Acuity, A Mutual Insurance Company138
Federated Mutual Group127
Utica Group125
Top states
WI215
GA207
PA206
TX197
CT171
MD162
IN147
ID146