Product liability rate filings in Florida (2026)
Every carrier writing product liability coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every product liability quote in Florida. This page tracks the 49 active product liability filing(s) on record for Florida, filed by 40 distinct carrier(s).
Product liability 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 product 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 product liability premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with product liability filings on record in Florida include MIDVALE INDEMNITY COMPANY, AMERICAN ASSOCIATION OF INSURANCE SERVICES, GREAT AMERICAN ALLIANCE INSURANCE COMPANY, HOUSING ENTERPRISE INSURANCE COMPANY, INC., MEDICAL PROTECTIVE COMPANY (THE), NORTHLAND INSURANCE COMPANY, WESTFIELD INSURANCE COMPANY, CHUBB INDEMNITY INSURANCE COMPANY, AMGUARD INSURANCE COMPANY, ARCH INSURANCE COMPANY, SPINNAKER INSURANCE COMPANY, U.S. SPECIALTY INSURANCE COMPANY, and 28 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 product liability 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 |
|---|---|---|---|---|
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Dec 7, 2026 | Filing #FCC 26-040201 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Dec 1, 2026 | Filing #FCC 26-037240 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Dec 1, 2026 | Filing #FCC 26-037239 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Dec 1, 2026 | Filing #FCC 26-035545 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Dec 1, 2026 | Filing #FCC 26-040080 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Dec 1, 2026 | Filing #FCC 26-039387 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Nov 12, 2026 | Filing #FCC 26-037614 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Nov 9, 2026 | Filing #FCC 26-036514 |
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.
MIDVALE INDEMNITY COMPANY filed FCC 26-040201 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-037240 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-037239 effective December 2026 (active). GREAT AMERICAN ALLIANCE INSURANCE COMPANY filed FCC 26-035545 effective December 2026 (active). HOUSING ENTERPRISE INSURANCE COMPANY, INC. filed FCC 26-040080 effective December 2026 (active). MEDICAL PROTECTIVE COMPANY (THE) filed FCC 26-039387 effective December 2026 (active). NORTHLAND INSURANCE COMPANY filed FCC 26-037614 effective November 2026 (active). WESTFIELD INSURANCE COMPANY filed FCC 26-036514 effective November 2026 (active). CHUBB INDEMNITY INSURANCE COMPANY filed FCC 26-037840 effective November 2026 (active). AMGUARD INSURANCE COMPANY filed FCC 26-037453 effective November 2026 (active). ARCH INSURANCE COMPANY filed FCC 26-033286 effective November 2026 (active). SPINNAKER INSURANCE COMPANY filed FCC 26-033574 effective November 2026 (active). U.S. SPECIALTY INSURANCE COMPANY filed FCC 26-040555 effective October 2026 (active). BERKLEY CASUALTY COMPANY filed FCC 26-033726 effective October 2026 (active). BERKLEY NATIONAL INSURANCE COMPANY filed FCC 26-037726 effective October 2026 (active). GLENCAR INSURANCE COMPANY filed FCC 26-040298 effective October 2026 (active). GREAT AMERICAN SECURITY INSURANCE COMPANY filed FCC 26-038309 effective October 2026 (active). GUARANTEE COMPANY OF NORTH AMERICA USA (THE) filed FCC 26-034910 effective October 2026 (active). MID-CONTINENT ASSURANCE COMPANY filed FCC 26-035289 effective October 2026 (active). NEW YORK MARINE AND GENERAL INSURANCE COMPANY filed FCC 26-038624 effective September 2026 (active). NEW YORK MARINE AND GENERAL INSURANCE COMPANY filed FCC 26-041057 effective September 2026 (active). ATLANTIC SPECIALTY INSURANCE COMPANY filed FCC 26-036149 effective September 2026 (active). FIRST NATIONAL INSURANCE COMPANY OF AMERICA filed FCC 26-032508 effective September 2026 (active). ACE AMERICAN INSURANCE COMPANY filed FCC 26-035586 effective September 2026 (active). CRUM & FORSTER INDEMNITY COMPANY filed FCC 26-035327 effective August 2026 (active). HANOVER AMERICAN INSURANCE COMPANY (THE) filed FCC 26-034062 effective August 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-038169 effective August 2026 (active). ATLANTIC SPECIALTY INSURANCE COMPANY filed FCC 26-033295 effective August 2026 (active). NAVIGATORS INSURANCE COMPANY filed FCC 26-032337 effective July 2026 (active). BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY filed FCC 25-006366 effective March 2025 (active).
Product liability covers claims that a product a Florida business made or sold caused injury or damage. It is rated on product type and sales volume, and is distinct from the premises exposure of general liability.
Across Florida, product liability carriers earned about $343M in premiums at a 56% loss ratio and a -7.8% 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 product liability actually performs in Florida, beyond any single carrier's filing.
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Key takeaways for Florida product liability
- Florida product 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 product 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 product liability rates differ for your specific operation.
Get a real Florida product liability quote
These filings are the regulator-held record — your actual product 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.