From January 1 through April 30, 2025, Travelers maintained an exceptionally active filing pace across both personal and commercial lines. The company concentrated on significant rate actions in Commercial Auto and Business Owners (Master Pac/Package), while also introducing double-digit increases in personal property and umbrella programs across several states. Many filings combined high percentage changes with sizable blocks of business—most notably the 30% Master Pac increase on nearly 7,000 Texas policies, and multiple 15–21% Commercial Auto revisions affecting thousands of insureds in Pennsylvania, Georgia, Kansas, and other jurisdictions. In contrast,Workers Compensation filings primarily reflected loss-cost adoptions, resulting in broad-based single-digit decreases. A secondary wave of neutral or “rule-only” filings (e.g., Quantum Auto 2.0 VIN updates) suggests ongoing product maintenance with minimal premium impact.
• Nationwide Commercial Auto repricing: Coordinated filings under project numbers 2023-06-0078 and 2024-05/06-0060/0061 introduce double-digit increases in at least 12 states. Most apply to Travelers Casualty Insurance Co. of America with 15–26% increases, while affiliated companies remain at 0%.
• Master Pac (ACJ) shock increases: Texas (+30%), Wisconsin (+48%), and Utah (+14%) indicate a strategic reset of small commercial package pricing.
• Personal property pressure in catastrophe-exposed states: Quantum Home 2.0 and High-Value Home filings in Arizona, Colorado, and Vermont show selected 8–14% increases on large books of business, with actuarial indications often exceeding 20%.
• Personal umbrella rate hikes: Vermont and Oklahoma filings raise PLUS rates by roughly 25–30%.
• Workers Compensation moving in the opposite direction: Multi-state NCCI adoptions result in 3–10% average decreases, signaling continued soft pricing.
• Ongoing system maintenance: Frequent rule-only filings (e.g., VIN symbol updates, mitigation discount revisions, non-adoption notices) reflect administrative upkeep with no premium impact.
Travelers updated dozens of liability and physical damage LCMs under project 2024-05-0061/0060, exceeding the 10-entry threshold. Factors selected generally ranged from 1.2–3.0 for physical damage and ~1.1–2.5 for liability, resulting in 11–21% total Commercial Auto rate increases, depending on the state. Due to volume, individual LCMs are summarized rather than listed.