General liability rate filings in Florida (2026)
Every carrier writing general liability coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every general liability quote in Florida. This page tracks the 11 active general liability filing(s) on record for Florida, filed by 9 distinct carrier(s).
General liability 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 general liability 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 general liability premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with general liability filings on record in Florida include RIVERSTONE INTERNATIONAL INSURANCE, INC., AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA, FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY, ARCH INDEMNITY INSURANCE COMPANY, PROTECTIVE PROPERTY & CASUALTY INSURANCE COMPANY, AMERICAN MODERN HOME INSURANCE COMPANY, AMERICAN ALTERNATIVE INSURANCE CORPORATION, AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY, PROFESSIONAL SOLUTIONS INSURANCE COMPANY. 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 general liability filing we track for Florida is effective February 2025. 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 |
|---|---|---|---|---|
| GL | FL | filing on record (magnitude not publicly disclosed) | Feb 14, 2025 | FLOIR-FCP-25-015251 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Feb 1, 2025 | FLOIR-FCP-24-103444 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Jan 15, 2025 | FLOIR-FCC-25-002459 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Jan 10, 2025 | FLOIR-FCC-24-106164 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Jan 5, 2025 | FLOIR-FCP-24-089966 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Jan 2, 2025 | FLOIR-ARC-24-109043 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Jan 1, 2025 | FLOIR-FCC-24-027576 |
| GL | FL | filing on record (magnitude not publicly disclosed) | Jan 1, 2025 | FLOIR-FCP-24-094414 |
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.
RIVERSTONE INTERNATIONAL INSURANCE, INC. filed FCP 25-015251 effective February 2025 (approved). AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA filed FCP 24-103444 effective February 2025 (approved). FLORIDA FARM BUREAU CASUALTY INSURANCE COMPANY filed FCC 25-002459 effective January 2025 (active). ARCH INDEMNITY INSURANCE COMPANY filed FCC 24-106164 effective January 2025 (active). PROTECTIVE PROPERTY & CASUALTY INSURANCE COMPANY filed FCP 24-089966 effective January 2025 (approved). AMERICAN MODERN HOME INSURANCE COMPANY filed ARC 24-109043 effective January 2025 (active). AMERICAN ALTERNATIVE INSURANCE CORPORATION filed FCC 24-027576 effective January 2025 (active). AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA filed FCP 24-094414 effective January 2025 (approved). AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA filed FCC 24-102203 effective January 2025 (approved). AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY filed ARC 24-105713 effective January 2025 (active). PROFESSIONAL SOLUTIONS INSURANCE COMPANY filed FCC 24-103283 effective January 2025 (active).
General liability covers third-party bodily-injury and property-damage claims against a Florida business — the slip-and-fall, damaged-customer-property, and advertising-injury exposures nearly every operation faces. It is typically rated on sales or square footage and is the foundation of most commercial programs.
Across Florida, general liability carriers earned about $7.4B in premiums at a 66.2% loss ratio and a -12.5% 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 general liability actually performs in Florida, beyond any single carrier's filing.
Key takeaways for Florida general liability
- Florida general liability 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 general liability 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 general liability rates differ for your specific operation.
Get a real Florida general liability quote
These filings are the regulator-held record — your actual general liability 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.