Product background
Commercial property insurance covers loss or damage to business real property, business personal property, and related time-element exposures from fire, wind, hail, water, and other covered causes of loss.
Commercial property filings reveal how carriers handle causes of loss, valuation, deductibles, protective safeguards, vacancy, ordinance or law, catastrophe exposure, and property-specific exclusions.
What forms make up a commercial property policy
An ISO commercial property coverage part combines a coverage form, a causes of loss form, a declarations page (CP DS 00) and endorsements. The main coverage forms are CP 00 10 for building and business personal property (filed by 43 carrier groups) and CP 00 30 for business income and extra expense (42); CP 10 30 Causes of Loss - Special Form (39) sets the covered perils on an open-perils basis. Widely filed endorsements include CP 12 19 (additional insured, building owner), CP 12 18 (loss payable provisions) and CP 04 40 (spoilage coverage).
Common filing signals
- Building and personal property coverage forms, causes of loss forms, and declarations
- Wind, hail, named storm, earthquake, water, roof, valuation, and ordinance or law endorsements
- Protective safeguards, vacancy, equipment breakdown, and loss payable clauses
Rate impact
| State | Filings | Avg |
|---|---|---|
| PA | 53 | +2.0% |
| MA | 51 | +3.6% |
| IN | 48 | +3.6% |
| TX | 47 | +6.8% |
| TN | 45 | +7.4% |
| VA | 43 | +5.7% |
| GA | 36 | +4.3% |
| MD | 36 | +4.4% |
| Carrier | Avg | Filings |
|---|---|---|
| Intact Financial Group3 states | +17.5% | 3 |
| Amtrust Financial Services Group6 states | +16.6% | 6 |
| American International Group3 states | +12.9% | 3 |
| Swiss RE Group4 states | +11.4% | 4 |
| Group 1001 Insurance Holdings Group15 states | +10.0% | 15 |
| Chubb Limited Group28 states | +9.3% | 33 |
| Tokio Marine Holdings Incorporated Group5 states | +8.8% | 5 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jun 18, 2026 | Amtrust Financial Services Group | VA | Commercial Property | +204.6% | +204.6% |
| Mar 12, 2026 | Chubb Limited Group | DC | Benchmarq | +128.5% | +146.0% |
| Mar 27, 2026 | Arch Insurance Group | NY | Commercial Property Reference Filing | -91.1% | 0.0% |
| Feb 6, 2026 | Axis Capital Group | NY | ISO Commercial Property | -91.1% | n/a |
| Jan 22, 2026 | Chubb Limited Group | TN | Benchmarq | +90.1% | +169.3% |
| Apr 30, 2026 | Chubb Limited Group | VT | Benchmarq | +80.0% | +114.2% |
| Apr 30, 2026 | Chubb Limited Group | HI | Benchmarq | -71.9% | -28.2% |
| Dec 29, 2025 | Church Mutual Group | GA | ISO Based Product | +67.6% | +67.6% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Commercial Property | Sentry Insurance Group | Revised | 176 | Nov 10, 2026 |
| Clm Div. 5 Commercial Property | Travelers Group | Other | 103 | Nov 10, 2026 |
| Commercial Property | Trustage Group | Revised | 86 | Nov 10, 2026 |
| Property | Federated Mutual Group | Other | 76 | Nov 10, 2026 |
| Commercial Property | BCBS OF MI Group | Revised | 22 | Nov 10, 2026 |
| Commercial Property | Iowa Farm Bureau Group | Revised | 13 | Nov 10, 2026 |