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.
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
Filings
1,058
Carriers
91
Avg impact
+4.3%
Max increase
+505.0%
Max decrease
-91.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| PA | 54 | +2.5% |
| TX | 51 | +8.2% |
| IN | 50 | +3.6% |
| MA | 49 | +3.5% |
| TN | 48 | +7.4% |
| VA | 41 | +5.4% |
| GA | 40 | +6.9% |
| VT | 37 | -1.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Property Insurance Company of America1 states | -32.5% | 1 |
| Arch Insurance Group2 states | -22.8% | 3 |
| United Services Automobile Assn Group1 states | +18.0% | 1 |
| INSURANCE PLACEMENT FACILITY OF PENNSYLVANIA1 states | +16.7% | 1 |
| Amtrust Financial Services Group6 states | +16.6% | 6 |
| Louisiana Citizens Property Insurance Corporation1 states | -14.4% | 1 |
| Intact Financial Group4 states | +13.8% | 4 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Dec 3, 2025 | Selective Insurance Group | WV | Pricing-Commercial Property | +505.0% | +27.4% |
| 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% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Corporate Property | Allianz Insurance Group | Revised | 40 | Sep 29, 2026 |
| Entertainment Commercial Property | Hiscox Insurance Group | Revised | 3 | Sep 28, 2026 |
| Cp-Ra | EMC Insurance Company Group | Revised | 1 | Sep 25, 2026 |
| Commercial Property - Premier Property Protectorâ™ | Liberty Mutual Group | Revised | 8 | Sep 24, 2026 |
| Rli Property Enhancements | RLI Insurance Group | Revised | 21 | Sep 23, 2026 |
| Commercial Property | Copperpoint Group | New | 33 | Sep 21, 2026 |
Top carriers
WR Berkley Corporation Group388
IAT Reins Company Group345
THE Hanover Insurance Group321
Liberty Mutual Group280
AXA Insurance Group273
Tokio Marine Holdings Incorporated Group267
Church Mutual Group264
Nationwide Corporation Group258
Top states
GA322
NC298
ID278
TX271
PA268
CT252
KY247
WI241