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 56 active commercial property filing(s) on record for Florida, filed by 27 distinct carrier(s).
Commercial property 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 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 TRANSGUARD INSURANCE COMPANY OF AMERICA, INC., FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY, WESTFIELD INSURANCE COMPANY, MARKEL AMERICAN INSURANCE COMPANY, BERKLEY NATIONAL INSURANCE COMPANY, INSURANCE SERVICES OFFICE, INC (ISO), FIRST NATIONAL INSURANCE COMPANY OF AMERICA, KIN INTERINSURANCE NETWORK, SLIDE INSURANCE COMPANY, PEOPLE'S TRUST INSURANCE COMPANY, Citizens Property Insurance Corporation (Florida residual market), FLORIDA PENINSULA INSURANCE COMPANY, and 15 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 December 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 |
|---|---|---|---|---|
| Property | FL | filing on record (magnitude not publicly disclosed) | Dec 1, 2026 | Filing #FCC 26-032393 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Nov 1, 2026 | Filing #FCC 26-035418 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Nov 1, 2026 | Filing #FCC 26-037325 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Oct 15, 2026 | Filing #FCC 26-038066 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Oct 1, 2026 | Filing #FCC 26-039775 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Oct 1, 2026 | Filing #FCC 26-034984 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Oct 1, 2026 | Filing #FCC 26-039453 |
| Property | FL | filing on record (magnitude not publicly disclosed) | Oct 1, 2026 | Filing #FCP 26-039452 |
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.
TRANSGUARD INSURANCE COMPANY OF AMERICA, INC. filed FCC 26-032393 effective December 2026 (active). FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY filed FCC 26-035418 effective November 2026 (active). WESTFIELD INSURANCE COMPANY filed FCC 26-037325 effective November 2026 (active). MARKEL AMERICAN INSURANCE COMPANY filed FCC 26-038066 effective October 2026 (active). BERKLEY NATIONAL INSURANCE COMPANY filed FCC 26-039775 effective October 2026 (active). BERKLEY NATIONAL INSURANCE COMPANY filed FCC 26-034984 effective October 2026 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-039453 effective October 2026 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCP 26-039452 effective October 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-039456 effective October 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-039455 effective October 2026 (approved). MARKEL AMERICAN INSURANCE COMPANY filed FCC 26-038605 effective September 2026 (active). FIRST NATIONAL INSURANCE COMPANY OF AMERICA filed FCC 26-033620 effective September 2026 (active). FIRST NATIONAL INSURANCE COMPANY OF AMERICA filed FCC 26-036520 effective September 2026 (active). KIN INTERINSURANCE NETWORK filed ARC 26-036638 effective September 2026 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-035957 effective September 2026 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-035948 effective September 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCP 26-035949 effective September 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-035955 effective September 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-032493 effective August 2026 (active). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-032504 effective August 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCP 26-032502 effective August 2026 (approved). INSURANCE SERVICES OFFICE, INC (ISO) filed FCC 26-032498 effective August 2026 (approved). SLIDE INSURANCE COMPANY filed ARC 26-032382 effective July 2026 (active). SLIDE INSURANCE COMPANY filed ARC 26-035634 effective July 2026 (active). PEOPLE'S TRUST INSURANCE COMPANY filed FCP 26-035208 effective July 2026 (approved). Citizens Property Insurance Corporation (Florida residual market) filed FL-OIR-CITIZENS-2026-CL effective July 2026 (active). FLORIDA PENINSULA INSURANCE COMPANY filed FCP 26-034433 effective July 2026 (approved). HARTFORD STEAM BOILER INSPECTION & INS. COMPANY filed 26-028661 effective June 2026 (active). THE TRAVELERS INDEMNITY COMPANY filed 25-046454 effective September 2025 (active). HARTFORD STEAM BOILER INSPECTION & INS. COMPANY filed 25-039315 effective July 2025 (active).
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.
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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.