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 20 active product liability filing(s) on record for Florida, filed by 18 distinct carrier(s).
Product 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 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 BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY, ACCELERANT NATIONAL INSURANCE COMPANY, FARMINGTON CASUALTY COMPANY, GREAT AMERICAN ALLIANCE INSURANCE COMPANY, NORTH POINTE INSURANCE COMPANY, THE CINCINNATI CASUALTY COMPANY, AUTO-OWNERS INSURANCE COMPANY, PHILADELPHIA INDEMNITY INSURANCE COMPANY, EVEREST DENALI INSURANCE COMPANY, ARCH INSURANCE COMPANY, HARTFORD ACCIDENT AND INDEMNITY COMPANY, ACE PROPERTY AND CASUALTY INSURANCE COMPANY, and 6 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 March 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 |
|---|---|---|---|---|
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 15, 2025 | FLOIR-FCC-25-018821 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 15, 2025 | FLOIR-FCC-25-006366 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-007843 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-24-108258 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-24-093012 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-004907 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-24-094408 |
| Product Liab | FL | filing on record (magnitude not publicly disclosed) | Feb 19, 2025 | FLOIR-FCC-25-005142 |
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.
BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY filed FCC 25-018821 effective March 2025 (active). BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY filed FCC 25-006366 effective March 2025 (active). ACCELERANT NATIONAL INSURANCE COMPANY filed FCC 25-007843 effective March 2025 (active). FARMINGTON CASUALTY COMPANY filed FCC 24-108258 effective March 2025 (active). GREAT AMERICAN ALLIANCE INSURANCE COMPANY filed FCC 24-093012 effective March 2025 (active). NORTH POINTE INSURANCE COMPANY filed FCC 25-004907 effective March 2025 (active). THE CINCINNATI CASUALTY COMPANY filed FCC 24-094408 effective March 2025 (active). AUTO-OWNERS INSURANCE COMPANY filed FCC 25-005142 effective February 2025 (active). PHILADELPHIA INDEMNITY INSURANCE COMPANY filed FCC 25-000750 effective February 2025 (active). EVEREST DENALI INSURANCE COMPANY filed FCC 24-109012 effective February 2025 (active). ARCH INSURANCE COMPANY filed FCC 24-106980 effective January 2025 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed FCC 24-096842 effective January 2025 (active). ACE PROPERTY AND CASUALTY INSURANCE COMPANY filed FCC 24-105981 effective January 2025 (active). ACCELERANT NATIONAL INSURANCE COMPANY filed FCC 24-105141 effective January 2025 (active). ACE AMERICAN INSURANCE COMPANY filed FCC 24-106914 effective January 2025 (active). AIG ASSURANCE COMPANY filed FCC 24-094944 effective January 2025 (active). AMERICAN BUILDERS INSURANCE COMPANY filed FCC 24-101883 effective January 2025 (active). OLD REPUBLIC INSURANCE COMPANY filed FCC 24-104063 effective January 2025 (active). STARR INDEMNITY & LIABILITY COMPANY filed FCC 24-103398 effective January 2025 (active). U.S. SPECIALTY INSURANCE COMPANY filed FCC 24-094335 effective January 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.
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.