Product background
Commercial general liability covers third-party bodily injury, property damage, personal and advertising injury, and the premises/operations and products/completed operations liability exposures that show up across many commercial accounts.
Useful CGL filing research usually compares how carriers change base coverage forms, additional insured provisions, contractual risk-transfer endorsements, pollution or industry exclusions, and state amendatory language.
Common filing signals
- Coverage part revisions, state amendments, and common policy conditions
- Additional insured, waiver of subrogation, and primary and noncontributory endorsements
- Pollution, professional services, assault, abuse, cannabis, PFAS, and other exclusion endorsements
Rate impact
Filings
1,460
Carriers
102
Avg impact
+5.3%
Max increase
+100.0%
Max decrease
-59.7%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| LA | 75 | +2.9% |
| MA | 64 | +2.0% |
| GA | 58 | +8.9% |
| IN | 56 | +4.7% |
| TN | 56 | +5.8% |
| PA | 55 | +5.3% |
| VA | 53 | +4.2% |
| UT | 52 | +7.2% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Chubb Limited Group35 states | +24.9% | 38 |
| Core Specialty Insurance Holdings Group1 states | +19.3% | 1 |
| Federated Mutual Group32 states | +17.1% | 34 |
| American Financial Group23 states | +16.8% | 36 |
| Global IND Group6 states | +16.0% | 6 |
| Hartford Fire & CAS Group1 states | -14.9% | 1 |
| Greater NY Group12 states | +13.4% | 13 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Jun 9, 2026 | Amtrust Financial Services Group | VA | ISO Catchup & Lcm Revision | +70.7% | +71.0% |
| May 15, 2026 | Selective Insurance Group | TN | Pricing - General Liability | +67.3% | +19.1% |
| Dec 31, 2025 | Liberty Mutual Group | WI | Commercial General Liability | -59.7% | -59.7% |
| Dec 31, 2025 | Liberty Mutual Group | WI | Commercial General Liability | -59.7% | -59.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| General Liability - Form Delay Adoption Filing | Greater NY Group | Revised | 11 | Sep 29, 2026 |
| General Liability - Non-Adopt/Delay ISO Gl 2026 Multistate Forms Revision | Hartford Fire & CAS Group | Other | 2 | Sep 29, 2026 |
| Gl_Fo | EMC Insurance Company Group | Revised | 1 | Sep 29, 2026 |
| General Liability | Universal Shield Insurance Group | Revised | 167 | Sep 28, 2026 |
| General Liability | Columbia Insurance Group | Other | 41 | Sep 28, 2026 |
| ISO Commercial General Liability | Hiscox Insurance Group | Revised | 4 | Sep 28, 2026 |
Top carriers
WR Berkley Corporation Group853
Chubb Limited Group787
Nationwide Corporation Group475
THE Hanover Insurance Group459
American Financial Group447
Zurich Insurance Group431
Fairfax Financial Group344
Liberty Mutual Group330
Top states
PA509
WI476
GA475
ID443
CT442
MD441
AL417
NC409