Product background
Commercial burglary and theft covers commercial property loss from burglary, theft, forgery, counterfeiting, fraud, and off-premises exposures, including crime or fidelity program components.
These filings help compare how carriers treat employee theft, money and securities, computer fraud, funds transfer fraud, forgery, inside and outside premises coverage, discovery periods, and proof-of-loss duties.
Common filing signals
- Commercial crime, burglary, theft, fidelity, and forgery coverage forms
- Employee theft, computer fraud, funds transfer fraud, money and securities, and premises endorsements
- Discovery period, cancellation, valuation, inventory shortage, and exclusion provisions
Rate impact
Filings
164
Carriers
22
Avg impact
-14.2%
Max increase
+39.7%
Max decrease
-53.6%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 13 | -11.1% |
| HI | 10 | -15.5% |
| MO | 10 | -11.7% |
| VT | 9 | -14.2% |
| MA | 8 | -17.8% |
| NY | 7 | -12.8% |
| ID | 6 | -26.6% |
| IN | 6 | -12.7% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Western National Mutual Group5 states | -40.0% | 6 |
| Federated Mutual Group1 states | +32.6% | 2 |
| Fcci Mutual Insurance Group1 states | -29.6% | 1 |
| Fairfax Financial Group17 states | -17.5% | 17 |
| Chubb Limited Group2 states | -17.4% | 2 |
| Munich RE Group12 states | -16.6% | 13 |
| Swiss RE Group3 states | -16.6% | 3 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Mar 11, 2026 | Sentry Insurance Group | ND | Commercial Crime | -53.6% | -53.6% |
| Dec 19, 2025 | Western National Mutual Group | ND | Commercial Crime | -40.8% | n/a |
| Oct 3, 2025 | Western National Mutual Group | ID | Commercial Crime | -40.8% | n/a |
| Oct 3, 2025 | Western National Mutual Group | ID | Commercial Crime | -40.8% | n/a |
| Oct 3, 2025 | Western National Mutual Group | ID | Commercial Crime | -40.8% | n/a |
| Sep 6, 2025 | Western National Mutual Group | MT | Commercial Crime | -40.8% | n/a |
| Sep 6, 2025 | Western National Mutual Group | MT | Commercial Crime | -40.8% | n/a |
| Sep 6, 2025 | Western National Mutual Group | MT | Commercial Crime | -40.8% | n/a |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Crime - Gcna | Intact Financial Group | New | 24 | Jun 23, 2026 |
| Sp Crime 26 | THE Hanover Insurance Group | Revised | 1 | Jun 23, 2026 |
| Cr-Mu-Multistate Loss Cost Revision-2026 | Amerisure Company Group | Other | 31 | Jun 18, 2026 |
| Commercial Crime | Fcci Mutual Insurance Group | Revised | 6 | Jun 18, 2026 |
| Crime Coverage Endorsement Form Filing | Greater NY Group | Revised | 1 | Jun 18, 2026 |
| Crime Coverage Endorsement Rule Filing | Greater NY Group | Revised | 1 | Jun 18, 2026 |
Top carriers
Chubb Limited Group504
WR Berkley Corporation Group264
Markel Corporation Group122
Intact Financial Group104
OLD Republic Group102
THE Hanover Insurance Group99
Fairfax Financial Group90
Sentry Insurance Group66
Top states
GA129
CT99
NC88
MD86
ID75
KY75
WI75
VA70