Commercial crime rate filings in Florida (2026)
Every carrier writing commercial crime coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial crime quote in Florida. This page tracks the 8 active commercial crime filing(s) on record for Florida, filed by 8 distinct carrier(s).
Commercial crime rate filings in Florida are reviewed by the Florida Office of Insurance Regulation. The governing authority is Florida Statutes Chapter 626 (Insurance Field Representatives and Operations). You can confirm any Florida carrier or agent is licensed with the state's license-lookup tool. A commercial crime premium in Florida is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Florida businesses with the same profile can be quoted very different commercial crime premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial crime filings on record in Florida include CONTINENTAL CASUALTY COMPANY, DEVELOPERS SURETY AND INDEMNITY COMPANY, NOVA CASUALTY COMPANY, OLD REPUBLIC INSURANCE COMPANY, ALLIED WORLD SPECIALTY INSURANCE COMPANY, AMERICAN ALTERNATIVE INSURANCE CORPORATION, FEDERAL INSURANCE COMPANY, HANOVER INSURANCE COMPANY (THE). These are filings on record — Florida's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. The most-recent commercial crime filing we track for Florida is effective October 2026. Every row below cites its filing reference so the Florida regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| Crime | FL | filing on record (magnitude not publicly disclosed) | Oct 1, 2026 | Filing #FCC 26-040868 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Jul 28, 2026 | Filing #FCC 26-034731 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | Filing #FCC 25-001992 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | Filing #FCC 25-002684 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Feb 1, 2025 | Filing #FCC 24-067859 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Feb 1, 2025 | Filing #FCC 24-069235 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Jan 30, 2025 | Filing #FCC 24-109019 |
| Crime | FL | filing on record (magnitude not publicly disclosed) | Jan 17, 2025 | Filing #FCC 24-107716 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
CONTINENTAL CASUALTY COMPANY filed FCC 26-040868 effective October 2026 (active). DEVELOPERS SURETY AND INDEMNITY COMPANY filed FCC 26-034731 effective July 2026 (active). NOVA CASUALTY COMPANY filed FCC 25-001992 effective March 2025 (active). OLD REPUBLIC INSURANCE COMPANY filed FCC 25-002684 effective March 2025 (active). ALLIED WORLD SPECIALTY INSURANCE COMPANY filed FCC 24-067859 effective February 2025 (active). AMERICAN ALTERNATIVE INSURANCE CORPORATION filed FCC 24-069235 effective February 2025 (active). FEDERAL INSURANCE COMPANY filed FCC 24-109019 effective January 2025 (active). HANOVER INSURANCE COMPANY (THE) filed FCC 24-107716 effective January 2025 (active).
Commercial crime is rated from each carrier's filed base rates and rating rules applied to your Florida operation's classification and exposure — the filings below are the primary-source record behind those rates.
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Key takeaways for Florida commercial crime
- Florida commercial crime rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Florida commercial crime premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Florida commercial crime rates differ for your specific operation.
Get a real Florida commercial crime quote
These filings are the regulator-held record — your actual commercial crime premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free Florida quote in under 90 seconds.
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Figures summarized here are drawn from public Florida Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.