Property & Casualty Commission Schedule
Standard
Elite
Basic
New Business: 7.5%
Renewal: 7.5%
New Business: 12.5%
Renewal: 8.5%
New Business: 13.5%
Renewal: 10%
As Earned
As Written
Workers' Compensation
New Business: 9%
Renewal: 9%
New Business: 7%
Renewal: 7%
Cyber
Wholesale
New Business: 8%
Renewal: 7,5%
New Business: 11%
Renewal: 10%
New Business: 9%
Renewal: 9%
New Business: 12%
Renewal: 12%
BOP
New Business: 9%
Renewal: 7.5%
New Business: 11%
Renewal: 8.6%
New Business: 13.5%
Renewal: 10.5%
New Business: 4%
Renewal: 4%
New Business: 5.4%
Renewal: 4.8%
New Business: 6%
Renewal: 5.4%
As earned
WC Guaranteed Cost
Personal Auto
New Business: 5%
Renewal: 5%
New Business: 6.8%
Renewal: 6.8%
New Business: 7.2%
Renewal: 6.8%
Sub-coded and/or Wholesale
As Written
As Earned
Auto
Sub-coded and/or Wholesale
New Business: 6%
Renewal: 5%
New Business: 5%
Renewal: 4%
Renters
New Business: 7.2%
Renewal: 4.5%
New Business: 9%
Renewal: 6%
New Business: 8%
Renewal: 8%
New Business: 10%
Renewal: 8%
Upfront
New Business: 6.75%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 10%
Renewal: 10%
Sub-coded
Flood
Upfront
New Business: 5%
Renewal: 4%
New Business: 7.2%
Renewal: 4.2%
New Business: 8%
Renewal: 6%
Sub-coded
HO3, DP1, DP3 in CA
Homeowners E&S in CA
New Business: 4%
Renewal: 4%
New Business: 5.7%
Renewal: 4.8%
New Business: 6.5%
Renewal: 5.4%
Non-admitted HO in TX
New Business: 7.5%
Renewal: 6%
New Business: 10%
Renewal: 7%
New Business: 11%
Renewal: 8%
As Written
New Business: 7.5%
Renewal: 2.5%
New Business: 9%
Renewal: 2.70%
New Business: 10%
Renewal: 3.5%
General Liability, Professional Liability, BOP and Umbrella
Sub-coded
New Business: 5%
Renewal: 2.5%
New Business: 7.2%
Renewal: 3%
Workers' Compensation
New Business: 8%
Renewal: 3.5%
Upfront
Sub-coded / Wholesale
Bundle (Home and Auto)
Monoline Home (All except GA, MO, MT, OK, and TX)
Monoline Auto (all policies except single car and single driver risks)
New Business: 8%
Renewal: 7%
New Business: 7.5%
Renewal: 5%
New Business: 6%
Renewal: 6%
New Business: 10%
Renewal: 6%
New Business: 8.5%
Renewal: 8%
New Business: 8%
Renewal: 7%
New Business: 11%
Renewal: 7%
New Business: 9%
Renewal: 8.5%
New Business: 10%
Renewal: 8%
Monoline Condo
New Business: 6.5%
Renewal: 6.5%
New Business: 8.5%
Renewal: 7.5%
New Business: 10%
Renewal: 9.5%
Monoline Auto (policies with single car and single driver risks)
New Business: 5%
Renewal: 5%
New Business: 7%
Renewal: 6%
New Business: 7.5%
Renewal: 7%
Bundle (Condo and Auto)
New Business: 7.5%
Renewal: 6.5%
New Business: 10%
Renewal: 7.5%
New Business: 11%
Renewal: 9.5%
Monoline Home (GA, MO, MT, OK, and TX)
New Business: 6%
Renewal: 5%
New Business: 8%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 7.5%
Renewal: 7.5%
Renters
New Business: 10%
Renewal: 9.5%
New Business: 11%
Renewal: 10.5%
As written
New Business: 6%
Renewal: 6%
New Business: 8%
Renewal: 7%
New Business: 9%
Renewal: 8%
As written
Personal Auto, Commercial Auto
Sub-coded / Wholesale
New Business: 5%
Renewal: 4%
New Business: 7.2%
Renewal: 4.2%
New Business: 8%
Renewal: 6%
Upfront
Currently insured and Homeowner
Sub-coded / Wholesale
Currently insured and Renter
Currently unininsured
New Business: 6%
Renewal: 5.5%
New Business: 4%
Renewal: 5%
New Business: 5.5%
Renewal: 5%
New Business: 5.4%
Renewal: 6%
New Business: 6.7%
Renewal: 5.5%
New Business: 9%
Renewal: 6.3%
New Business: 6%
Renewal: 7.5%
New Business: 8.2%
Renewal: 7%
New Business: 10%
Renewal: 9%
New Business: 6%
Renewal: 5%
Non-standard auto in TX and IL
New Business: 9%
Renewal: 5.5%
New Business: 10%
Renewal: 7%
Upfront
Commercial Auto
CNA WC – Premium between $25,000 and $50,000
WC – Premium $25,000 and less
Life sciences
Monoline General Liability,
Monoline Property
Business Owners (BOP)
Sub-coded / Wholesale
E&O
Umbrella, Monoline Equipment Breakdown and Management Liability
New Business: 9%
Renewal: 7.5%
New Business: 7.5%
Renewal: 5%
New Business: 9%
Renewal: 7.5%
New Business: 6.5%
Renewal: 5%
New Business: 3.75%
Renewal: 3.75%
New Business: 5%
Renewal: 5%
New Business: 7.5%
Renewal: 7.5%
New Business: 9%
Renewal: 6.5%
New Business: 11%
Renewal: 8.5%
New Business: 10.8%
Renewal: 7%
New Business: 8.1%
Renewal: 5.5%
New Business: 4.5%
Renewal: 4%
New Business: 6.3%
Renewal: 5.5%
New Business: 10.8%
Renewal: 8.5%
New Business: 11%
Renewal: 7%
New Business: 12%
Renewal: 10%
New Business: 12%
Renewal: 10%
New Business: 12%
Renewal: 10%
New Business: 9%
Renewal: 7%
New Business: 5%
Renewal: 5%
New Business: 7%
Renewal: 7%
New Business: 12%
Renewal: 10%
New Business: 12%
Renewal: 10%
New Business: 11%
Renewal: 8.5%
Negotiated with carrier
Negotiated with carrier
Negotiated with carrier
CNA WC – Premium higher than $50,000
As written
Auto - Small Business Online Products in Marketplace,
Umbrella - Small Business Online Products in Marketplace,
Package - (Benchmarq/Costumarq) Commercial Insurance Not Online Through Marketplace,
Umbrella/Excess - Commercial Insurance Not Online Through Marketplace,
Cyber - Commercial Insruance Not Online Through Marketplace,
Financial Lines - All Other - Commercial Insurance Not Online Through Marketplace,
International - Commercial Insurance Not Online Through Marketplace,
Inland Marine/Ocean Cargo - Commercial Insurance Not Online Through Marketplace,
Other - Commercial Insurance Not Online Through Marketplace,
Business Travel Accident,
Business Owner Accident,
Catastrophic Accident,
Student Accident,
Participant Accident,
Occupational Accident,
Other - Accident & Health Commercial Lines
Wholesale
New Business: 7.5%
Renewal: 7.5%
New Business: 9.26%
Renewal: 8.57%
New Business: 11.03%
Renewal: 10.71%
BOP - Small Business Online Products in Marketplace
New Business: 9%
Renewal: 7.5%
New Business: 11.11%
Renewal: 8.57%
New Business: 13.24%
Renewal: 10.71%
New Business: 9%
Renewal: 9%
New Business: 11.11%
Renewal: 10.29%
New Business: 13.24%
Renewal: 12.86%
Cyber - Small Business Online Products in Marketplace,
Professional Liability - Small Business Online Products in Marketplace
Workers Compensation (CA Only) - Commercial Insurance Not Online Through Marketplace,
Homeowners (FL & CA Only),
Valuable Articles (FL & CA Only),
Personal Automobile,
Workers Compensation,
Other - Personal Lines,
Passport 360
New Business: 5%
Renewal: 5%
New Business: 6.17%
Renewal: 5.71%
New Business: 7.35%
Renewal: 7.14%
Property - Commercial Agribusiness,
General Liability - Commercial Agribusiness,
Workers Compensation - Commercial Agribusiness,
Umbrella - Commercial Agribusiness,
Inland Marine/Ocean Cargo - Commercial Agribusiness,
Crime - Commercial Agribusiness,
Pollution - Commercial Agribusiness,
Farm Auto
New Business: 6%
Renewal: 6%
New Business: 7.41%
Renewal: 6.86%
New Business: 8.82%
Renewal: 8.57%
Homeowners (Except FL & CA ),
Valuable Articles (Except FL & CA )
New Business: 7.5%
Renewal: 6%
New Business: 9.26%
Renewal: 6.86%
New Business: 11.03%
Renewal: 8.57%
WC - Small Business Online Products in Marketplace
Financial Lines - Forefont - Small Business Online Products in Marketplace
Auto - Commercial Insurance Not Online Through Marketplace
Workers Compensation (All Except CA) - Commercial Insurance Not Online Through Marketplace
Auto - Commercial Agribusiness
Bond - Commercial Agribusiness
Recreation Marine
Personal Excess
Farm & Ranch Package
Farm Excess Liability
New Business: 5.5%
Renewal: 4.5%
New Business: 6.79%
Renewal: 5.14%
New Business: 8.09%
Renewal: 6.43%
New Business: 10%
Renewal: 10%
New Business: 12.35%
Renewal: 11.43%
New Business: 14.71%
Renewal: 14.29%
New Business: 6%
Renewal: 6%
New Business: 7.72%
Renewal: 7.14%
New Business: 9.19%
Renewal: 8.93%
New Business: 3%
Renewal: 3%
New Business: 3.7%
Renewal: 3.43%
New Business: 4.41%
Renewal: 4.29%
New Business: 1%
Renewal: 1%
New Business: 1.23%
Renewal: 1.14%
New Business: 1.47%
Renewal: 1.43%
New Business: 11%
Renewal: 11%
New Business: 13.58%
Renewal: 12.57%
New Business: 16.18%
Renewal: 15.71%
New Business: 6%
Renewal: 5%
New Business: 7.1%
Renewal: 6.57%
New Business: 8.46%
Renewal: 8.21%
New Business: 5%
Renewal: 5%
New Business: 5.86%
Renewal: 5.43%
New Business: 6.99%
Renewal: 6.79%
New Business: 7%
Renewal: 7%
New Business: 8.64%
Renewal: 8%
New Business: 10.29%
Renewal: 10%
New Business: 3.5%
Renewal: 3.5%
New Business: 4.32%
Renewal: 4%
New Business: 5.15%
Renewal: 5%
As written
Sub-coded / Wholesale
Auto, Home, and Renters
New Business: 6%
Renewal: 5%
Private Passenger Automobile (Including Motor Club)
New Business: 7%
Renewal: 6%
New Business: 10.5%
Renewal: 8.4%
New Business: 10.8%
Renewal: 7%
New Business: 12%
Renewal: 12%
New Business: 12%
Renewal: 10%
As Earned
General Liability, Professional Liability and BOP
New Business: 7.5%
Renewal: 6%
Cyber Liability, Employment Practices Liability and Contractor Bonds
New Business: 5%
Renewal: 5%
New Business: 6.5%
Renewal: 6%
New Business: 12.5%
Renewal: 7%
New Business: 7%
Renewal: 7%
New Business: 13.5%
Renewal: 10%
Commercial bonds
New Business: 7.5%
Renewal: 5%
New Business: 12.5%
Renewal: 6%
New Business: 13.5%
Renewal: 7%
New Business: TBD
Renewal: TBD
Crime / Fidelity
New Business: TBD
Renewal: TBD
New Business: TBD
Renewal: TBD
New Business: TBD
Renewal: TBD
Directors and Offifcers (D&O)
New Business: TBD
Renewal: TBD
New Business: TBD
Renewal: TBD
Upfront
Sub-coded / Wholesale
GL, BOP, Prof. Liability
New Business: 7.5%
Renewal: 7.5%
New Business: 6%
Renewal: 6%
New Business: 7%
Renewal: 7%
New Business: 10%
Renewal: 8.5%
New Business: 8%
Renewal: 8%
New Business: 11%
Renewal: 10%
Workers' Compensation
As earned
New Business: 7.5%
Renewal: 7.5%
New Business: 12%
Renewal: 8.5%
New Business: 13%
Renewal: 11%
Personal Auto
As earned
New Business: 8%
Renewal: 7%
New Business: 10%
Renewal: 8%
New Business: 11%
Renewal: 10%
Upfront
Sub-coded / Wholesale
New Business: 9%
Renewal: 9%
New Business: 11%
Renewal: 10%
New Business: 12%
Renewal: 12%
Cyber
New Business: 5%
Renewal: 5%
New Business: 6.8%
Renewal: 6%
New Business: 7.2%
Renewal: 6.6%
Personal Auto (TX)
Sub-coded
Upfront
New Business: 5%
Renewal: 4.55%
New Business: 7.2%
Renewal: 4.9%
New Business: 8%
Renewal: 7%
Homeowners
Sub-coded
As written
New Business: 6%
Renewal: 5.5%
New Business: 9%
Renewal: 6.3%
New Business: 10%
Renewal: 9%
Sub-coded / Wholesale
Personal Auto
As written
New Business: 6%
Renewal: 5%
New Business: 7%
Renewal: 6%
New Business: 8%
Renewal: 7%
Wholesale
Workers' Compensation
New Business: 5%
Renewal: 5%
New Business: 6.7%
Renewal: 6%
New Business: 7.5%
Renewal: 7%
HO4
As written
As written
Commercial Mobile Home, Travel Trailer, Mobile Home, Motor Home, Motorcycle, Off Road Vehcles, Dwelling Fire and Homeowners, Family Boater, Marine
AL, GA, LA, MS, NC, SC, TX, VA – Commercial Mobile Home, Mobile Home
AL, LA, MS, SC, TX – Dwelling Fire and Homeowners
Sub-coded / Wholesale
CA – Commercial Mobile Home, Mobile Home
New Business: 4.5%
Renewal: 4.5%
New Business: 4.5%
Renewal: 4.5%
New Business: 6%
Renewal: 5%
New Business: 7%
Renewal: 5.5%
CA – Dwelling Fire and Homeowners
TX – General Liability
New Business: 5%
Renewal: 5%
New Business: 4.5%
Renewal: 4.5%
New Business: 9%
Renewal: 5.6%
New Business: 7.2%
Renewal: 5.6%
New Business: 6.3%
Renewal: 4.9%
New Business: 6.3%
Renewal: 4.9%
New Business: 6.3%
Renewal: 4.9%
New Business: 8.5%
Renewal: 6.5%
New Business: 10%
Renewal: 8%
New Business: 8%
Renewal: 8%
New Business: 7%
Renewal: 7%
New Business: 7%
Renewal: 7%
New Business: 7%
Renewal: 7%
New Business: 9.5%
Renewal:8%
As written
ARS - GrandProtect
ARS - Combo
Sub-coded / Wholesale
ARS - AutoPlus
New Business: 8.5%
Renewal: 7.5%
New Business: 8.5%
Renewal: 7.0%
New Business: 7.5%
Renewal: 7%
ARS - Monoline
New Business: 6%
Renewal: 5.5%
New Business: 9.2%
Renewal: 8%
New Business: 7.3%
Renewal: 6.5%
New Business: 10.4%
Renewal: 8.5%
New Business: 10.4%
Renewal: 8%
New Business: 11.1%
Renewal: 10%
New Business: 8.9%
Renewal: 8%
New Business: 12.6%
Renewal: 11%
New Business: 12.6%
Renewal: 10%
ARS - Youthful operators (auto) & Non-standard auto
New Business: 5%
Renewal: 5%
New Business: 6.1%
Renewal: 6.0%
New Business: 7.4%
Renewal: 7.3%
A360 ValuePlus Package
New Business: 6%
Renewal: 5.5%
New Business: 7.3%
Renewal: 6.5%
New Business: 8.9%
Renewal: 8%
A360 ValuePlus Non-Package
New Business: 5%
Renewal: 4%
New Business: 6.1%
Renewal: 4.8%
New Business: 7.4%
Renewal: 5.9%
A360 Enhanced Plus Package
New Business: 7.5%
Renewal: 7%
New Business: 9.2%
Renewal: 8%
New Business: 11.1%
Renewal: 10.4%
A360 Enhanced Plus
Non- Package
New Business: 6%
Renewal: 5%
New Business: 7.3%
Renewal: 6%
New Business: 8.9%
Renewal: 7.3%
A360 GrandProtect Plus Package
New Business: 8.5%
Renewal: 7.5%
New Business: 10.4%
Renewal: 9%
New Business: 12.6%
Renewal: 11.1%
A360 GrandProtect Plus
Non- Package
New Business: 7.5%
Renewal: 6.5%
New Business: 9.2%
Renewal: 8%
New Business: 11.1%
Renewal: 9.6%
A360 Value Plus Package
(Youthful Operator)
New Business: 5%
Renewal: 4.5%
New Business: 6.1%
Renewal: 5.5%
New Business: 7.4%
Renewal: 6.4%
A360 Value Plus Non-Package
(Youthful Operator)
New Business: 4%
Renewal: 3.5%
New Business: 4.9%
Renewal: 4.3%
New Business: 5.9%
Renewal: 5.2%
A360 Enhanced Plus Package
(Youthful Operator)
New Business: 6.5%
Renewal: 6%
New Business: 8%
Renewal: 7.3%
New Business: 9.6%
Renewal: 8.6%
A360 Enhanced Plus Non-Package
(Youthful Operator)
New Business: 5.5%
Renewal: 4.5%
New Business: 6.7%
Renewal: 5.5%
New Business: 8.2%
Renewal: 6.7%
A360 GrandProtect Package
(Youthful Operator)
New Business: 7%
Renewal: 6%
A360 GrandProtect Non-Package
(Youthful Operator)
New Business: 8.6%
Renewal: 7.3%
New Business: 10.4%
Renewal: 8.6%
New Business: 6.5%
Renewal: 5%
New Business: 8%
Renewal: 6%
New Business: 9.6%
Renewal: 7.3%
A360 Umbrella & Landlord
(Non-Group)
New Business: 7.5%
Renewal: 7%
New Business: 9.2%
Renewal: 8%
New Business: 11.1%
Renewal: 10%
A360 Toys (Non-Group)
Motorhomes, Boats and Personal Watercraft, Motorcycles, Trailers and Travel Trailers, and Off-Road Vehicles, including Snowmobiles.
New Business: 7.5%
Renewal: 7%
New Business: 8.6%
Renewal: 7.3%
New Business: 10.4%
Renewal: 8.6%
A360 A360 (MAIP) All rated operators have a merit rating code = 99 - for Massachussets only
New Business: 6.5%
Renewal: 6.5%
New Business: 8%
Renewal: 8%
New Business: 9.6%
Renewal: 9.6%
A360 (MAIP) All rated operators have a merit rating code = 0, 98 or 99 - for Massachussets only
New Business: 6%
Renewal: 6%
New Business: 7.3%
Renewal: 7.3%
New Business: 8.9%
Renewal: 8.6%
A360 (MAIP) At least one rated operator has a merit rating code = 1 through 4
New Business: 5%
Renewal: 5%
New Business: 6.1%
Renewal: 6.1%
New Business: 7.4%
Renewal: 7.3%
A360 (MAIP) At least one rated operator has a merit rating code = 5 or more
New Business: 5%
Renewal: 5%
New Business: 6.1%
Renewal: 6.1%
New Business: 7.4%
Renewal: 7.3%
North Carolina Ceded Auto
New Business: 5%
Renewal: 5%
New Business: 6.1%
Renewal: 6.1%
New Business: 7.4%
Renewal: 7.3%
New Business: 6.5%
Renewal: 6.5%
As Earned
New Business: 5%
Renewal: 5%
New Business: 7%
Renewal: 7%
New Business: 8%
Renewal: 7.5%
Commercial Auto
Upfront
New Business: 7.5%
Renewal: 6%
New Business: 10%
Renewal: 7%
New Business: 11%
Renewal: 10%
Commercial General Liability
As earned
New Business: 5%
Renewal: 4%
New Business: 8.1%
Renewal: 5.6%
New Business: 9%
Renewal: 8%
Sub-coded / Wholesale
Personal Auto
As written
New Business: 7%
Renewal: 7%
New Business: 10%
Renewal: 10%
BOP (coming soon)
Workers Compensation
Wholesale
New Business: 11%
Renewal: 7.5%
New Business: 12.5%
Renewal: 11%
New Business: 12.5%
Renewal: 10%
New Business: 14.5%
Renewal: 13%
Upfront
New Business: 6%
Renewal: 6%
Homeowners
New Business: 8.5%
Renewal: 8%
New Business: 9%
Renewal: 8.5%
Upfront
New Business: 7.5%
Renewal: 7.5%
New Business: 9.3%
Renewal: 8.7%
New Business: 11.10%
Renewal: 10.8%
Small commercial Package Policy, Middle Market Commercial Package Policy,
Middle Market Commercial Package Policy Real Estate,
Small Commercial General Liability,
Middle Market General Liability, Small Commercial Umbrella, Middle Market Umbrella,
Small Commercial Fire and Allied Lines,
Middle Market Fire and Allied Lines,
Small Commercial Standalone Technology E&O,
Middle Market Standalone Technology E&O,
Small Commercial Fusion - Life Science,
Middle Market Fusion - Life Science
Sub-coded / Wholesale
Small commercial Package Policy Real Estate,
Small Commercial Business Owners Policy Contractors,
Small Commercial Business Owners Policy Real Estate
New Business: 7.5%
Renewal: 6.5%
New Business: 9.3%
Renewal: 7.54%
New Business: 11.10%
Renewal: 9.4%
Small Commercial Technology Package Policy,
Middle Market Technology Package Policy,
Small Commercial Business Owners Policy,
Small Commercial Technology E&O with BOP,
Middle Market Technology E&O with BOP
New Business: 8.75%
Renewal: 7.5%
New Business: 10.85%
Renewal: 8.7%
New Business: 13%
Renewal: 10.80%
Small Commercial Auto Account,
Middle Market Commercial Auto Account
New Business: 7.5%
Renewal: 6%
New Business: 9.3%
Renewal: 6.96%
New Business: 11.1%
Renewal: 8.6%
Small Commercial Auto Monoline,
Middle Market Commercial Auto Monoline,
Small Commercial Auto Automobile Livery and All Trucking Classes,
Middle Market Commercial Auto Automobile Livery and All Trucking Classes,
Middle Market Workers' Compensation Policies with Premium up to $10,000,
Middle Market Workers' Compensation Policies with Premium from $10,001 to $15,000,
Middle Market Workers' Compensation Policies with Premium from $15,001 to $25,000,
Middle Market Workers' Compensation Policies with Premium $25,001 to $50,000,
Middle Market Workers' Compensation Policies with Premium $50,001 and above
New Business: 5%
Renewal: 5%
New Business: 6.2%
Renewal: 5.8%
New Business: 7.4%
Renewal: 7.2%
Small Commercial Workers' Compensation Policies with Premium up to $10,000,
Small Commercial Workers' Compensation Policies with Premium from $10,001 to $15,000,
Small Commercial Workers' Compensation Policies with Premium from $15,001 to $25,000,
Small Commercial Workers' Compensation Policies with Premium $25,001 to $50,000
New Business: 6%
Renewal: 5%
New Business: 7.44%
Renewal: 5.8%
New Business: 8.9%
Renewal: 7.2%
Upfront
New Business: 9%
Renewal: 7.5%
New Business: 11%
Renewal: 8.4%
New Business: 13.5%
Renewal: 12%
General Liability, Professional Liability, BOP and Cyber Liability
Sub-coded
As written
Standard Commission
Catastrophe Exposed
South Carolina
New Business: 7%
Renewal: 5.5%
New Business: 4%
Renewal: 2.5%
New Business: 5%
Renewal: 5%
New Business: 0%
Renewal: 0%
Georgia
New Business: 6.8%
Renewal: 6%
New Business: 0%
Renewal: 0%
New Business: 9%
Renewal: 6.5%
New Business: 5.4%
Renewal: 2.8%
New Business: 7.2%
Renewal: 6.6%
New Business: 0%
Renewal: 0%
New Business: 11%
Renewal: 9%
New Business: 6%
Renewal: 4%
Sub-coded
South Carolina - CAT exposed
New Business: 5.5%
Renewal: 3.2%
New Business: 5.6%
Renewal: 4%
New Business: 8%
Renewal: 4.8%
Texas
New Business: 6.5%
Renewal: 4.5%
New Business: 8%
Renewal: 5.4%
New Business: 8%
Renewal: 5.4%
Texas - CAT exposed
New Business: 6.5%
Renewal: 2.5%
New Business: 8%
Renewal: 2.8%
New Business: 9.6%
Renewal: 4%
New Construction in all states (0-2 years)
New Business: 7.5%
Renewal: 7.5%
New Business: 10%
Renewal: 9%
New Business: 12%
Renewal: 10%
TN, IL, NM, UT, IN, DE, NV, OR, MO, IA, NE
New Business: 5.5%
Renewal: 5%
New Business: 6.5%
Renewal: 6%
New Business: 8%
Renewal: 7%
AZ, IN, NC, OK, VA - Standard
New Business: 4.5%
Renewal: 4.5%
New Business: 5.5%
Renewal: 5.4%
New Business: 6.5%
Renewal: 6.5%
AZ, IN, NC, OK, VA - CAT Exposed
New Business: 4%
Renewal: 2.5%
New Business: 5%
Renewal: 2.8%
New Business: 6%
Renewal: 4%
Preferred
New Business: 5.5%
Renewal: 5%
New Business: 6.5%
Renewal: 6%
New Business: 8%
Renewal: 7%
As Earned
New Business: 7%
Renewal: 6%
New Business: 9%
Renewal: 6.5%
New Business: 11%
Renewal: 9%
Personal Auto
As Earned
New Business: 5%
Renewal: 5%
New Business: 6.8%
Renewal: 6%
New Business: 7.2%
Renewal: 6.6%
Personal and commercial auto
As written
New Business: 6%
Renewal: 6%
Sub-coded / Wholesale
New Business: 8%
Renewal: 7%
New Business: 9%
Renewal: 8%
Personal Auto
Upfront
New Business: 6%
Renewal: 5%
Sub-coded / Wholesale
New Business: 9%
Renewal: 5.6%
New Business: 10%
Renewal: 8%
Homeowners, Condo and Renters
New Business: 7.5%
Renewal: 5%
Personal Auto (with prior insurance)
New Business: 9.5%
Renewal: 6%
New Business: 11%
Renewal: 7%
New Business: 2.5%
Renewal: 2.5%
New Business: 3.5%
Renewal: 3%
Personal Auto (without prior insurance)
New Business: 4%
Renewal: 3.5%
As earned
As earned
E&S California Homeowners & Landlord
New Business: 5%
Renewal: 5%
New Business: 7.2%
Renewal: 6%
New Business: 8%
Renewal: 7%
Sub-coded
As written
Commercial Package, General Liability, Professional Liability and Commercial Property
New Business: 7.5%
Renewal: 7.5%
New Business: 10.8%
Renewal: 8.4%
New Business: 12%
Renewal: 12%
Sub-coded
New Business: 7%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 10.5%
Renewal: 8.5%
Standard Personal Auto monoline
Sub-coded
New Business: 5%
Renewal: 5%
New Business: 6.5%
Renewal: 6%
New Business: 7.5%
Renewal: 7%
Non-standard Personal Auto monoline
Upfront
New Business: 8.5%
Renewal: 6%
New Business: 11%
Renewal: 7%
Standard Personal Auto bundle with Mercury home
New Business: 12.8%
Renewal: 8.5%
Non-standard Personal Auto bundle with Mercury home
New Business: 6.5%
Renewal: 5%
New Business: 8%
Renewal: 6%
New Business: 9.5%
Renewal: 7%
Homeowners monoline
New Business: 7.5%
Renewal: 6%
New Business: 9.5%
Renewal: 7%
New Business: 11%
Renewal: 8.5%
Homeowners bundle with Mercury auto
New Business: 7.5%
Renewal: 7.5%
New Business: 9.5%
Renewal: 9%
New Business: 11%
Renewal: 10.5%
Umbrella
New Business: 7%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 10.5%
Renewal: 8.5%
As written
New Business: 6%
Renewal: 6%
New Business: 9%
Renewal: 6.3%
New Business: 10%
Renewal: 9%
Personal Auto
Sub-coded
New Business: 0.5%
Renewal: 0.6%
New Business: 0.6%
Renewal: 0.6%
New Business: 0.7%
Renewal: 0.7%
California
New Business: 7%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 10%
Renewal: 8%
BOP
As written
As written
Homeowners in IL, IN, OH, OK, TN, WI and WV
New Business: 6%
Renewal: 6%
New Business: 0%
Renewal: 6.5%
Condo
Boat, Collector Vehicle, Dwelling Basic, Dwelling Special, Manufactured Home, Motorsports, Tenant, Yacht
New Business: 8.5%
Renewal: 7%
New Business: 0%
Renewal: 6%
Homeowners in AR, KY, MN
New Business: 12.6%
Renewal: 8%
New Business: 8%
Renewal: 8%
New Business: 0%
Renewal: 7%
New Business: 0%
Renewal: 8%
New Business: 14%
Renewal: 10%
New Business: 9%
Renewal: 8.5%
New Business: 0%
Renewal: 10%
New Business: 0%
Renewal: 9%
Sub-coded
Homeowners in KS, MO & NE
New Business: 0%
Renewal: 6%
New Business: 0%
Renewal: 8%
New Business: 0%
Renewal: 9%
Condo in IL
New Business: 0%
Renewal: 0%
New Business: 0%
Renewal: 0%
New Business: 0%
Renewal: 0%
Personal lines products in approved coastal counties
New Business: 6%
Renewal: 4.5%
New Business: 7.5%
Renewal: 5.2%
New Business: 9%
Renewal: 6.4%
Business Auto Monoline
New Business: 5%
Renewal: 5%
New Business: 6%
Renewal: 6%
Business Auto Multiline - CA only
Commercial Lines
New Business: 7.5%
Renewal: 7.5%
New Business: 7.5%
Renewal: 6%
BOP - Habitational only
New Business: 9%
Renewal: 8.7%
New Business: 6.8%
Renewal: 5.8%
New Business: 7.5%
Renewal: 7%
New Business: 9%
Renewal: 7%
New Business: 10%
Renewal: 9.5%
New Business: 7.2%
Renewal: 6.8%
New Business: 9%
Renewal: 8%
New Business: 10%
Renewal: 8%
WC (All states except CA and TX) Less than $25K
New Business: 7.5%
Renewal: 4.5%
New Business: 9%
Renewal: 5.2%
New Business: 10%
Renewal: 6.4%
WC (All states except CA and TX) $25K to $99.9K
New Business: 4.5%
Renewal: 4%
New Business: 6%
Renewal: 4.8%
New Business: 7%
Renewal: 5.9%
WC (All states except CA and TX) $100K and over
New Business: 3.5%
Renewal: 3.5%
New Business: 4.3%
Renewal: 4.3%
New Business: 5.2%
Renewal: 5.2%
WC (CA and TX) Less than $25K
New Business: 7.5%
Renewal: 5%
New Business: 9%
Renewal: 6%
New Business: 10%
Renewal: 7%
WC (CA and TX) $25K to $99.9K
New Business: 4.5%
Renewal: 4%
New Business: 6%
Renewal: 4.8%
New Business: 7%
Renewal: 5.9%
WC (CA and TX) $100K and over
New Business: 3.5%
Renewal: 3.5%
New Business: 4.3%
Renewal: 4.3%
New Business: 5.2%
Renewal: 5.2%
Earthquake
New Business: 7.5%
Renewal: 7.5%
New Business: 9%
Renewal: 8.7%
New Business: 10%
Renewal: 9.5%
NC Recoupment fees
New Business: 5%
Renewal: 5%
New Business: 6.8%
Renewal: 6%
New Business: 7.5%
Renewal: 7%
As written
Package - Auto
New Business: 6%
Renewal: 6%
New Business: 6.5%
Renewal: 6.5%
Package - Other prop (renters/condo/landlord)
Package - Home
New Business: 7.5%
Renewal: 7.5%
New Business: 5.5%
Renewal: 5%
Monoline - Property (home/renters/condo/landlord)
New Business: 9.5%
Renewal: 8.5%
New Business: 9%
Renewal: 8.5%
New Business: 8%
Renewal: 8%
New Business: 6.7%
Renewal: 6.5%
New Business: 11.5%
Renewal: 10%
New Business: 10%
Renewal: 9%
New Business: 10%
Renewal: 9.6%
New Business: 8.2%
Renewal: 7%
Monoline - Auto
New Business: 5.5%
Renewal: 5.5%
New Business: 6.7%
Renewal: 6%
New Business: 8.2%
Renewal: 7.5%
Monoline - Auto youthful
New Business: 4%
Renewal: 4%
New Business: 5%
Renewal: 4.8%
New Business: 5.5%
Renewal: 5.2%
Accomodation lines (Earthquake)
New Business: 2.5%
Renewal: 2.5%
New Business: 3%
Renewal: 3%
New Business: 4%
Renewal: 4%
PUP
New Business: 6%
Renewal: 5%
New Business: 9%
Renewal: 6%
New Business: 10%
Renewal: 7%
Upfront
Upfront
New Business: 7%
Renewal: 7%
New Business: 8.5%
Renewal: 8%
New Business: 10.5%
Renewal: 10%
Residential Flood, Commercial Flood and Parametric Earthquake
Sub-coded
As Earned
New Business: 7.5%
Renewal: 6.5%
New Business: 10%
Renewal: 7.5%
New Business: 11%
Renewal: 10%
Normandy WC
New Business: 4.5%
Renewal: 3.5%
New Business: 6%
Renewal: 4%
New Business: 7%
Renewal: 5%
New Business: 5%
Renewal: 5%
New Business: 7.5%
Renewal: 7%
New Business: 8%
Renewal: 7.5%
Employers WC
All other lines
As written
New Business: 5%
Renewal: 5%
New Business: 7.5%
Renewal: 7%
New Business: 8%
Renewal: 7.5%
As written
General Liability, Professional Liability, Commercial Property, Commercial Auto and Inland Marine
Workers' Compensation
New Business: 5%
Renewal: 5%
New Business: 7.5%
Renewal: 6%
New Business: 6.3%
Renewal: 6%
New Business: 9%
Renewal: 6.3%
New Business: 7%
Renewal: 7%
New Business: 10%
Renewal: 9%
Sub-coded
Upfront
Property and Liability Insurance and Renter's insurance
New Business: 7.5%
Renewal: 7.5%
New Business: 5%
Renewal: 5%
Builder’s risk insurance
New Business: 6%
Renewal: 6%
Flood Insurance (non-underwritten)
New Business: 9%
Renewal: 7%
New Business: 7.2%
Renewal: 5.6%
New Business: 10.8%
Renewal: 8.4%
New Business: 10%
Renewal: 10%
New Business: 8%
Renewal: 8%
New Business: 12%
Renewal: 12%
Sub-coded
Landlord
New Business: 6.5%
Renewal 6%
New Business: 8%
Renewal: 7.5%
New Business: 9.75%
Renewal: 9%
Upfront
Sub-coded / Wholesale
New Business: 8%
Renewal: 7%
New Business: 10%
Renewal: 8%
New Business: 11%
Renewal: 10%
MA, ME, NE
New Business: 7%
Renewal: 6.5%
New Business: 6%
Renewal: 5%
New Business: 7%
Renewal: 6.5%
New Business: 6.5%
Renewal: 6%
New Business: 8%
Renewal: 7%
New Business: 8.5%
Renewal: 8%
New Business: 7.3%
Renewal: 6%
New Business: 8.5%
Renewal: 8%
New Business: 8%
Renewal: 7%
New Business: 10%
Renewal: 8%
New Business: 9.5%
Renewal: 9%
New Business: 8.9%
Renewal: 7%
New Business: 9.5%
Renewal: 9%
New Business: 9.6%
Renewal: 8%
New Business: 11.5%
Renewal: 10%
AZ, IL, IN, KY, NM, OH, OR, PA, SC, TN, UT, WI
OK, GA, KS
AL, MO, MS
DE, VA
CT
Upfront
New Business: 6%
Renewal: 5%
New Business: 8%
Renewal: 6%
New Business: 9%
Renewal: 7%
Until 12/31/25
New Business: 7.5%
After 12/31/25
New Business: 11%
New Business: 13%
Upfront
Wholesale
New Business: 6%
Renewal: 5.5%
New Business: 8%
Renewal: 6.5%
New Business: 9%
Renewal: 8%
Homeowners
New Business: 6%
Homeowners in CA, TX and MA
New Business: 8%
New Business: 9%
As Written
Sub-coded
New Business: 7.5%
Renewal: 5%
New Business: 9%
Renewal: 5.7%
New Business: 10%
Renewal: 7.2%
Upfront
New Business: 6.25%
Renewal: 6.25%
New Business: 9%
Renewal: 7%
New Business: 10%
Renewal: 10%
E&S Commercial Casualty, Commercial Property, Cyber Liability and General Liability
Sub-coded
Automated Binding Service
Middle market
New Business: 6.25%
Renewal: 6.25%
New Business: 9%
Renewal: 7%
New Business: 10%
Renewal: 10%
New Business: 4%
Renewal: 4%
New Business: 5%
Renewal: 4.5%
New Business: 10%
Renewal: 10%
As Written
New Business: 7%
Renewal: 7%
Commercial Auto
New Business: 7%
Renewal: 7%
Workers' Compensation
New Business: 9%
Renewal: 8%
New Business: 9%
Renewal: 8%
New Business: 10%
Renewal: 9%
New Business: 10%
Renewal: 9%
Sub-coded
New Business: 8%
Renewal: 7%
HO3 in NJ, NY, CT, PA and NH group B
New Business: 7%
Renewal: 6%
HO3 in NJ, NY, CT, PA and NH group A
New Business: 10%
Renewal: 8%
New Business: 8.5%
Renewal: 7%
New Business: 11%
Renewal: 10%
New Business: 9.5%
Renewal: 8%
HO3 in NJ, NY, CT, PA and NH group C
New Business: 6%
Renewal: 5%
New Business: 4%
Renewal: 3%
HO3 in NJ, NY, CT, PA and NH group D
HO3 in NJ, NY, CT, PA and NH group E
HO4 and HO6 in NJ, NY, CT, PA, and MA
HO3 in MA - Excluding coastal properties
HO3 in MA - Coastal properties
New Business: 5%
Renewal: 4%
New Business: 6%
Renewal: 5%
New Business: 7.5%
Renewal: 6%
New Business: 2%
Renewal: 1%
New Business: 7.2%
Renewal: 4.8%
New Business: 8%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 2.5%
Renewal: 1.2%
New Business: 4.5%
Renewal: 3.5%
New Business: 7.3%
Renewal: 6%
New Business: 8.9%
Renewal: 7%
New Business: 6%
Renewal: 4%
New Business: 3%
Renewal: 1.4%
New Business: 11%
Renewal: 8%
New Business: 9%
Renewal: 7%
New Business: 8%
Renewal: 5.5%
As Earned
Auto (No lapse, single policy car, homeowner and companion home)
Auto (No lapse, multi policy car, homeowner and companion home)
Auto (No lapse, multi policy car, homeowner and no companion home)
New Business: 6%
Renewal: 5%
New Business: 5.5%
Renewal: 4.5%
New Business: 5%
Renewal: 4%
Auto (No lapse, single policy car, homeowner and no companion home)
New Business: 5%
Renewal: 4%
Auto (No lapse, multi policy car and not a homeowner)
New Business: 4%
Renewal: 3%
New Business: 8%
Renewal: 6%
New Business: 5%
Renewal: 3.5%
New Business: 6.5%
Renewal: 4.8%
New Business: 6.5%
Renewal: 4.8%
New Business: 7%
Renewal: 5.5%
Auto (No lapse, single policy car and not a homeowner)
New Business: 2.5%
Renewal: 1.5%
New Business: 3%
Renewal: 2%
New Business: 1%
Renewal: 1%
New Business: 1.2%
Renewal: 1.1%
Auto (all other policies)
New Business: 9%
Renewal: 7%
New Business: 8%
Renewal: 6.2%
New Business: 7%
Renewal: 5.4%
New Business: 7%
Renewal: 5.4%
New Business: 6%
Renewal: 4%
New Business: 3.5%
Renewal: 2.2%
New Business: 1.5%
Renewal: 1.3%
As written
New Business: 8%
Renewal: 8%
New Business: 10%
Renewal: 8.5%
New Business: 11%
Renewal: 11%
Commercial Auto
Sub-coded
TX
New Business: 6.5%
Renewal: 6.5%
New Business: 8.5%
Renewal: 8%
New Business: 10%
Renewal: 9%
New Business: 8%
Renewal: 8%
NM, IL and AZ
New Business: 10%
Renewal: 8.5%
New Business: 11%
Renewal: 11%
New Business: 8.5%
Renewal: 7.5%
New Business: 10.5%
Renewal: 8.5%
New Business: 11.5%
Renewal: 10%
BOP
Excess Liability
New Business: 7.5%
Renewal: 6.5%
New Business: 9%
Renewal: 8%
New Business: 11%
Renewal: 9%
As written
Sub-coded / Wholesale
New Business: 5%
Renewal: 5%
New Business: 6.8%
Renewal: 6%
New Business: 7.2%
Renewal: 6.6%
Personal Auto
Upfront
Sub-coded / Wholesale
As Earned
New Business: 7.5%
Renewal: 7.5%
New Business: 10.8%
Renewal: 8.4%
New Business: 12%
Renewal: 12%
Landlord
Sub-coded
As written
New Business: 7.5%
Renewal: 7.5%
New Business: 10%
Renewal: 9.5%
New Business: 11%
Renewal: 10.5%
As written
New Business: 7.5%
Renewal: 5.2%
New Business: 10%
Renewal: 5.6%
New Business: 11%
Renewal: 8%
Dwelling Fire, Landlord
Sub-coded
As written
New Business: 6%
Renewal: 6%
New Business: 8%
Renewal: 7%
New Business: 9%
Renewal: 8%
Personal Auto
Sub-coded / Wholesale
PPA AZ
New Business: 6%
Renewal: 6%
New Business: 8%
Renewal: 7.5%
New Business: 9%
Renewal: 8.5%
PPA+ AZ & IL
New Business: 6%
Renewal: 6%
New Business: 9.5%
Renewal: 8.5%
New Business: 11.5%
Renewal: 10%
Upfront
New Business: 7.5%
Renewal: 6%
Homeowners
New Business: 7.5%
Renewal: 7.5%
Auto, Umbrella
Dwelling Fire, Boat Owners, Business Owners (BOP), Renters
New Business: 7.5%
Renewal: 7.5%
Sub-coded / Wholesale
New Business: 10%
Renewal: 7.7%
New Business: 9%
Renewal: 6.3%
New Business: 10%
Renewal: 7.7%
New Business: 11%
Renewal: 11%
New Business: 10%
Renewal: 9%
New Business: 11%
Renewal: 11%
As written
E&S HO-3
New Business: 5%
Renewal: 5%
Admitted HO-3 (FL)
New Business: 6%
Renewal: 4.5%
Admitted HO-3 (MA, AL, TX)
New Business: 6%
Renewal: 5%
Sub-coded
E&S HO-3 (FL)
E&S Flood
New Business: 4.5%
Renewal: 4.5%
New Business: 6%
Renewal: 6%
New Business: 6.75%
Renewal: 4.9%
New Business: 8.1%
Renewal: 6.3%
New Business: 6.75%
Renewal: 5.25%
New Business: 8.1%
Renewal: 4.9%
New Business: 8.1%
Renewal: 5.25%
New Business: 9%
Renewal: 7.5%
New Business: 7.5%
Renewal: 7.5%
New Business: 9%
Renewal: 7%
New Business: 7.5%
Renewal: 7%
New Business: 9%
Renewal: 9%
As written
Motorclub
Personal Auto
New Business: 6%
Renewal: 5%
New Business: 7%
Renewal: 6%
New Business: 9%
Renewal: 7.5%
New Business: 25%
Renewal: 25%
New Business: 30%
Renewal: 30%
New Business: 37.5%
Renewal: 37.5%
Sub-coded / Wholesale
Upfront
Special Events
New Business: 5%
Renewal: 4.5%
New Business: 3.5%
Business Owners
New Business: 7%
Renewal: 7%
Monoline General Liability other than Special Events, Package Policy without Commercial Fire Coverage and Package Policy with Commercial Fire Coverage
Worker's Compensation
New Business: 4.5%
Renewal: 4%
New Business: 6.5%
Renewal: 5.5%
New Business: 4.5%
New Business: 9%
Renewal: 8.5%
New Business: 6%
Renewal: 4.8%
New Business: 7.5%
Renewal: 7%
New Business: 5%
New Business: 11%
RWL: 9.5%
New Business: 7%
Renewal:
Sub-coded
Upfront
New Business: 7.5%
Renewal: 6%
New Business: 8.5%
Renewal: 7%
New Business: 10%
Renewal: 8%
Wholesale
Commercial Multi-Peril (includes MPAC GL) : Apartments, Contractors, Garage, Restaurants, Residential Condominiums, Building LRO & BOP 2.0 Commercial Multi-Peril, Property, or General Liability: Apartments, Contractors, Garage, Hotels, Restaurants, Residential, Condominiums, Building LRO
Umbrella, Omni Property, General Liability, Commercial Multi-Peril (includes MPAC GL) : Other than Apartments, Contractors, Garage, Restaurants, Residential Condominiums, Building LRO and BOP 2.0 Commercial Multi-Peril, Property, or General Liability: Other than Apartments, Contractors, Garage, Hotels, Restaurants, Residential, Condominiums, Building LRO, Financial Services, Healthcare, Professional Services, Technology Services
New Business: 7.5%
Renewal: 7.5%
New Business: 8.5%
Renewal: 8.5%
New Business: 10%
Renewal: 10%
BOP 2.0 Commercial Multi-Peril, Property, or General Liability: Financial Services, Healthcare, Professional Services, Technology Services
New Business: 9%
Renewal: 7.5%
New Business: 10%
Renewal: 8.5%
New Business: 11%
Renewal: 9.5%
Workers Compensation – Guaranteed Cost Rates apply to first $25,000 of standard premium -All States (except CA, TX) & Participating NJ, FL, WI, IA, ID Rates apply to first $25,000 of standard premium
New Business: 6%
Renewal: 4.5%
New Business: 7%
Renewal: 5.4%
New Business: 8%
Renewal: 6.5%
Workers Compensation – Guaranteed Cost Rates apply to first $25,000 of standard premium CA, TX and Guaranteed Cost Rates > $25,000 of standard premium (applicable to portion of premium >$25K) CA
New Business: 6%
Renewal: 5%
New Business: 7%
Renewal: 6%
New Business: 8%
Renewal: 7%
Workers Compensation – Participating All States (except CA, TX, NJ, FL, WI, IA, ID) Rates apply to first $25,000 of standard premium
New Business: 5%
Renewal: 3.5%
New Business: 6.5%
Renewal: 4.3%
New Business: 7.5%
Renewal: 5.2%
Workers Compensation – Guaranteed Cost Rates > $25,000 of standard premium (applicable to portion of premium >$25K) - All States (except CA, TX), Participating CA, TX Rates apply to first $25,000 of standard premium & Participating CA, TX, NJ, FL, WI, IA, ID Rates > $25,000 of standard premium (applicable to portion of premium >$25K)
New Business: 3%
Renewal: 3%
New Business: 3.7%
Renewal: 3.5%
New Business: 4.8%
Renewal: 4%
Workers Compensation – Guaranteed Cost Rates > $25,000 of standard premium (applicable to portion of premium >$25K) TX
New Business: 2.5%
Renewal: 2.5%
New Business: 3.1%
Renewal: 2.8%
New Business: 3.8%
Renewal: 3.3%
Workers Compensation – Participating All States (except CA, TX, NJ, FL, WI, IA, ID) Rates > $25,000 of standard premium (applicable to portion of premium >$25K)
New Business: 2%
Renewal: 2%
New Business: 2.5%
Renewal: 2.3%
New Business: 3%
Renewal: 2.6%
As written
New Business: 6%
Renewal: 5%
New Business: 8%
Renewal: 7%
New Business: 9%
Renewal: 7.5%
Homeowners
As written
New Business: 7.5%
Renewal: 7.5%
New Business: 9.3%
Renewal: 8.7%
New Business: 11.1%
Renewal: 10.8%
As written
Personal Auto
New Business: 6%
Renewal: 6%
New Business: 8%
Renewal: 7%
New Business: 9%
Renewal: 8%
Sub-coded / Wholesale
PPA NM & TN
PPA IL & PPA+ IN, NM, TN
New Business: 6%
Renewal: 6%
New Business: 8%
Renewal: 7.5%
New Business: 9%
Renewal: 8.5%
New Business: 6%
Renewal: 6%
New Business: 9.5%
Renewal: 8.5%
New Business: 11.5%
Renewal: 10%
As written
Standard HO admitted, Standard HO surplus lines, Standard Dwelling fire admitted, Standard Dwelling fire surplus, Value admitted, Value surplus lines
Worker's Select Admitted, Select Surplus Lines
New Business: 4.75%
Renewal: 4.5%
New Business: 4.5%
Renewal: 4%
Earthquake, Coastal
New Business: 4.5%
Renewal: 4.5%
New Business: 6.3%
Renewal: 4.9%
New Business: 6.3%
Renewal: 4.9%
New Business: 6.3%
Renewal: 4.2%
New Business: 7%
Renewal: 7%
New Business: 7%
Renewal: 7%
New Business: 7%
Renewal: 6%
Sub-coded
As written
New Business: 3.5%
Renewal: 3.5%
Workers Compensation
New Business: 6%
Renewal: 5%
Commercial Auto
Business owners Policy, Commercial Umbrella, Contractors Package, Crime and Fidelity, Data Compromise/Identity Recovery Coverage *, Employment Practices Liability Insurance Coverage *, Farm, General Liability, Property (including Inland Marine), All Other Coverages not listed below
New Business: 7%
Renewal: 6%
Sub-coded
New Business: 9%
Renewal: 7%
New Business: 7%
Renewal: 4.5%
New Business: 9%
Renewal: 5.6%
New Business: 10%
Renewal: 10%
New Business: 8%
Renewal: 6%
New Business: 10%
Renewal: 8%
Apartment / Habitational Package (Non-BOP)
New Business: 5%
Renewal: 5%
New Business: 7.2%
Renewal: 5.6%
New Business: 2.5%
Renewal: 2.5%
New Business: 3%
Renewal: 3%
Workers Compensation - Premium higher than $100,000
New Business: 3.5%
Renewal: 3.5%
New Business: 8%
Renewal: 8%
Businessowners Habitational Policy
New Business: 6%
Renewal: 6%
New Business: 9%
Renewal: 7%
New Business: 10%
Renewal: 10%
Life Commission Schedule
Standard
Elite
Basic
As earned
Ethos Term Life - Prime
Ethos Term Life - Select
Ethos Term Life - Spectrum
Year 1: 55%
Year 1: 42%
Year 1: 42%
Year 1: 39.5%
Ethos Final Expense
TruStage Guaranteed Acceptance Whole Life
Year 1: 19.5%
Year 1: 50%
Year 1: 25%
Year 1: 50%
Year 1: 50%
Year 1: 70%
Year 1: 60%
Year 1: 29%
Year 1: 60%
Year 1: 60%
Year 1: 80%
TruStage Simplified Issue Term Life
Year 1: 32%
Year 1: 40%
Year 1: 48%
TruStage Advantage Whole Life
Year 1: 34.5%
Year 1: 40%
Year 1: 50%
Life Commission Schedule
Upfront
Year 1: 60%
Year 1: 81%
Year 1: 90%
Life
Life Commission Schedule
Life Referral Fees
Referral Fee: $30.00
Referral Fee: $30.00
Referral Fee: $30.00
Referral Fee: $30.00
Referral Fee: $30.00
Referral Fee: $30.00
Renters' Fee
Renters' Fee: $25.00
Renters' Fee: $25.00
Renters' Fee: $25.00
* Written Premium may not equal commissionable premium. Some carriers charge fees that aren't commissionable.
