Commercial property rate filings in Florida (2026)
Every carrier writing commercial property coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial property quote in Florida. This page tracks the 20 active commercial property filing(s) on record for Florida, filed by 13 distinct carrier(s).
Commercial property rate filings in Florida are reviewed by the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. 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 property 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 property premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial property filings on record in Florida include Citizens Property Insurance Corporation (Florida residual market), PEOPLE'S TRUST INSURANCE COMPANY, VANTAPRO SPECIALTY INSURANCE COMPANY, ACCELERANT NATIONAL INSURANCE COMPANY, CENTAURI SPECIALTY INSURANCE COMPANY, HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC., INSURANCE SERVICES OFFICE, INC (ISO), SELECTIVE INSURANCE COMPANY OF THE SOUTHEAST, AUTO-OWNERS INSURANCE COMPANY, MAINSAIL INSURANCE COMPANY, TAILROW INSURANCE EXCHANGE, CM REGENT INSURANCE COMPANY, and 1 more. 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 property filing we track for Florida is effective July 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, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Property | FL | +10.4% average commercial-lines rate increase; class cap -5% to +15% | Jul 1, 2026 | CITIZENS-FL-2026-COMMERCIAL |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 27, 2025 | FLOIR-FCP-25-020746 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 19, 2025 | FLOIR-FCC-25-017300 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 10, 2025 | FLOIR-FCC-25-004537 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCP-25-006545 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-ARC-25-011938 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-005131 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-005126 |
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.
Citizens Property Insurance Corporation (Florida residual market) filed FL-OIR-CITIZENS-2026-CL effective July 2026 (active). PEOPLE'S TRUST INSURANCE COMPANY filed FCP 25-020746 effective March 2025 (approved). VANTAPRO SPECIALTY INSURANCE COMPANY filed FCC 25-017300 effective March 2025 (active). ACCELERANT NATIONAL INSURANCE COMPANY filed FCC 25-004537 effective March 2025 (active). CENTAURI SPECIALTY INSURANCE COMPANY filed FCP 25-006545 effective March 2025 (approved). HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. filed ARC 25-011938 effective March 2025 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 25-005131 effective March 2025 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 25-005126 effective March 2025 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCP 25-005127 effective March 2025 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 25-005130 effective March 2025 (approved). SELECTIVE INSURANCE COMPANY OF THE SOUTHEAST filed FCC 25-003688 effective March 2025 (active). AUTO-OWNERS INSURANCE COMPANY filed FCC 25-005140 effective February 2025 (active). MAINSAIL INSURANCE COMPANY filed FCC 25-016926 effective February 2025 (approved). TAILROW INSURANCE EXCHANGE filed FCP 25-014075 effective February 2025 (approved). CM REGENT INSURANCE COMPANY filed FCC 25-005747 effective February 2025 (active). OLYMPUS INSURANCE COMPANY filed FCC 25-040126 effective February 2025 (approved). OLYMPUS INSURANCE COMPANY filed FCC 25-040125 effective February 2025 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 25-000020 effective February 2025 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 25-000022 effective February 2025 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCP 25-000023 effective February 2025 (approved).
Commercial property covers a Florida business's own building, equipment, and inventory against fire, theft, and other physical loss. It is rated on insured value, construction type, and protection class.
Across Florida, commercial property carriers earned about $2.5B in premiums at a 30.9% loss ratio and a 39.4% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how commercial property actually performs in Florida, beyond any single carrier's filing.
Key takeaways for Florida commercial property
- Florida commercial property 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 property 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 property rates differ for your specific operation.
Get a real Florida commercial property quote
These filings are the regulator-held record — your actual commercial property 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.