Product background
Commercial burglary and theft covers commercial property loss from burglary, theft, forgery, counterfeiting, fraud, and off-premises exposures, including crime or fidelity program components.
These filings help compare how carriers treat employee theft, money and securities, computer fraud, funds transfer fraud, forgery, inside and outside premises coverage, discovery periods, and proof-of-loss duties.
Common filing signals
- Commercial crime, burglary, theft, fidelity, and forgery coverage forms
- Employee theft, computer fraud, funds transfer fraud, money and securities, and premises endorsements
- Discovery period, cancellation, valuation, inventory shortage, and exclusion provisions
Rate impact
Filings
189
Carriers
27
Avg impact
-15.1%
Max increase
+39.7%
Max decrease
-53.6%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| LA | 21 | -19.0% |
| MA | 13 | -19.4% |
| MO | 12 | -12.8% |
| GA | 9 | -16.3% |
| NY | 8 | -12.8% |
| VT | 8 | -15.0% |
| HI | 7 | -17.4% |
| IN | 7 | -13.7% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Western National Mutual Group2 states | -38.5% | 2 |
| Federated Mutual Group1 states | +37.9% | 1 |
| American International Group1 states | -25.0% | 1 |
| James River Group1 states | -25.0% | 1 |
| Fcci Mutual Insurance Group6 states | -19.5% | 6 |
| Chubb Limited Group4 states | -19.0% | 5 |
| AXA Insurance Group3 states | -17.9% | 3 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Mar 11, 2026 | Sentry Insurance Group | ND | Commercial Crime | -53.6% | -53.6% |
| Dec 19, 2025 | Western National Mutual Group | ND | Commercial Crime | -40.8% | n/a |
| Oct 3, 2025 | Western National Mutual Group | ID | Commercial Crime | -40.8% | n/a |
| Oct 3, 2025 | Western National Mutual Group | ID | Commercial Crime | -40.8% | n/a |
| Oct 3, 2025 | Western National Mutual Group | ID | Commercial Crime | -40.8% | n/a |
| Dec 15, 2025 | Federated Mutual Group | CA | Commercial Burglary & Theft | +39.7% | 0.0% |
| Dec 19, 2025 | Western National Mutual Group | ND | Commercial Crime | -37.3% | n/a |
| Dec 15, 2025 | Federated Mutual Group | CA | Commercial Burglary & Theft | +36.1% | 0.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Msig Crime & Fidelity | MS & AD Insurance Group | Revised | 75 | Sep 15, 2026 |
| Travelers Wrap 2.0 Identity Fraud and Kidnap and Ransom Form Filing 2026-01-0745-F | Travelers Group | New | 1 | Sep 14, 2026 |
| Travelers Wrap 2.0 Identity Fraud and Kidnap and Ransom Rate/Rule Filing 2026-01-0745-R | Travelers Group | New | 1 | Sep 14, 2026 |
| Travelers Wrap 2.0 Identity Fraud Form/Rate/Rule Filing 2026-01-0745 | Travelers Group | New | 1 | Sep 14, 2026 |
| Everest Expedition Not for Profit Management Liability | Everest Reins Holdings Group | Revised | 11 | Sep 11, 2026 |
| Commercial Crime | Munich RE Group | Other | 18 | Sep 10, 2026 |
Top carriers
Chubb Limited Group458
WR Berkley Corporation Group246
THE Hanover Insurance Group124
MS & AD Insurance Group109
Intact Financial Group107
Markel Corporation Group107
OLD Republic Group102
Fairfax Financial Group98
Top states
GA112
CT107
LA86
NC84
KY78
MD78
WI77
ID75