Pending Rate = Filings

LOUISIANA DEPARTMENT OF = INSURANCE

JAMES J. DONELON, COMMISSIONER

P.O. BOX 94214

BATON ROUGE, LOUISIANA = 70804-9214

OFFICE OF PROPERTY AND = CASUALTY/INSURANCE RATING=20 DIVISION

RATE AND RULE FILINGS PENDING AS OF = FEBRUARY=20 06, 2012

PLEASE NOTE: Information contained in = pending=20 filings may change during the review process.

Item Key: 253392
Date = Submitted: 11/12/2009
Amerisure Insurance Company
AMERISURE MUTUAL = INSURANCE COMPANY
16 - Workers Compensation
Dividend Plan
Workers = Compensation
Dividend=20 Plans
#=20 of Policyholders: 0

Company=20 Reference: LA-WC-1009-RU-140
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

Item Key: 259424
Date = Submitted: 04/28/2010

11 - Medical Malpractice
Revised Rate = and=20 Rule
Medical=20 Malpractice - Claims Made/Occurrence
Overall=20 % Impact: .2Overall=20 $ Impact: $750#=20 of Policyholders: 1

Requested=20 Effective Dates - New: 10/01/2010 Renewal:=20 10/01/2010

Item Key:=20 260881
Date Submitted: 06/04/2010
PROGRESSIVE PALOVERDE = INSURANCE=20 COMPANY
19 - Commercial Automobile
Revised Rate and Rule

Commercial Auto Program
Business Auto
Rate/Rule Revision
Guidelines and=20 Fees

Overall=20 % Impact: 12.3Overall=20 $ Impact: $390#=20 of Policyholders: 5

Company=20 Reference: LA 0910 GL RR-COM
Requested Effective Dates - New: = 09/23/2010=20 Renewal: 10/27/2010

Item Key: 263113
Date = Submitted: 07/30/2010
Insurance Services Office, Inc.
27 - Boiler = And=20 Machinery
Initial Rule only

Boiler & Machinery or Equipment=20 Breakdown

Company Reference: BM-2010-OLOB1
Requested = Effective=20 Dates - New: 02/01/2011 Renewal:=20 02/01/2011

Item Key:=20 263933
Date Submitted: 08/23/2010
BERKLEY REGIONAL = INSURANCE=20 COMPANY
BERKLEY NATIONAL INSURANCE COMPANY
16 - Workers=20 Compensation
Dividend Plan
*** Dividend Plan***

Company Reference: = LA-WCDIV-RARU-2010-01

Item Key: 276706
Date = Submitted: 09/02/2011
PREFERRED PROFESSIONAL INSURANCE COMPANY
19 = -=20 Commercial Automobile
Loss Cost Adoption
Commercial Auto
Loss = Cost=20 Adoption of ISO Designation # CA-2011-BRLA1
Overall=20 % Impact: -6.620%Overall=20 $ Impact: $53,125#=20 of Policyholders: 16

Company=20 Reference: LA-CA-11-02
Requested Effective Dates - New: 01/01/2012=20 Renewal: 01/01/2012

Item Key: 276715
Date = Submitted: 09/02/2011
AMERICAN WESTERN HOME INSURANCE COMPANY
4 -=20 Homeowners
Revised Rate and Rule
Mobile Home Programs
Overall=20 % Impact: +15.03%Overall=20 $ Impact: $1,841,637#=20 of Policyholders: 17725

Company=20 Reference: 20110531-01
Requested Effective Dates - New: 01/01/2012=20 Renewal: 01/01/2012

The above captioned=20 companies' previous filing (Item Key #269931) requested an overall rate = increase=20 of +9.5%, but was disapproved in May 2011 because it was not actuarially = justified.

The company has amended the filing and is now=20 resubmitting.

The last adjustment to this program was approved in = December 2009 (Item Key #253013) and resulted in an overall rate = increase of=20 +1.4% (amended from +6.3%) to be effective March 1, 2010 for new = business and=20 April 1, 2010 for renewal business.

With this filing, the company = proposes the following changes:

Eligibility and=20 Coverages:

Remove Broad Form excluding Flood and = Earthquake=20 from Dwelling, Other Structures and Personal Property.
Add Per = Occurrence=20 Deductible to Rental/Commercial under Supplemental Coverages.
Add = Total Loss=20 Deductible Waiver to all programs under Supplemental Coverages.
Add = Debris=20 Removal Enhancement to Owner Byline, Owner Package, Seasonal Byline and=20 Rental/Commercial under Supplemental Coverages.
Add Occasional Rental = as an=20 Optional Coverage to Seasonal Byline.=20

Byline Rates and Modular Byline=20 Rates:

Increase Product Codes 212, 222, 21V and 22V = base=20 rate by 6% from $273.26 to $289.66.
Revise Territory Relativity = Factors for=20 territories 51, 53 and 54 as follows:

Territory 51 from 2.35 to 3.53.=20
Territory 53 from 1.12 to 1.54.=20
Territory 54 from 4.00 to 5.40.

Package Rates and Modular Package=20 Rates:

Combine Senior Package Program (022) and = Package=20 Program (042).
Increase Product Codes 042 and 04V base rate by 6% = from=20 $347.84 to $369.50.
Revise Territory Relativity Factors for = territories 51,=20 53 and 54 as follows:

Territory 51 from 2.35 to 3.53.=20
Territory 53 from 1.12 to 1.54.=20
Territory 54 from 4.00 to 5.40.

Revise Age of Insured Factors as follows:

50-64 from 1.00 to .90.=20
65+ from 1.00 to .90.

Rental/Commercial Rates and Modular Rental/Commercial=20 Rates:

Remove Broad Form Rental/Commercial and roll all current policies = into=20 Comprehensive All Risk.
Add All Risk Personal Property and roll all = current=20 Broad Form Personal Property to All Risk.
Increase Rates 25% for = Territories=20 51, 53 and 54 and add Per Occurrence Deductible.

These changes = will=20 result in an overall rate increase of +15.03% or = +$1,841,637 (17,725 = policyholders).

Companion=20 forms (Item Key #269869) were approved on April 14, = 2011.

Item Key: 276792
Date = Submitted: 09/06/2011
AMERICAN SOUTHERN HOME INSURANCE COMPANY
4 - = Homeowners
Revised Rate and Rule
Manufactured Home / Modular Home=20 Programs
(Doublewide, Mobile Home, Mobile Homeowner, Rental and = Seasonal)
Overall=20 % Impact: +24.86%Overall=20 $ Impact: $6,065,521#=20 of Policyholders: 24706

Company=20 Reference: 20110531-02
Requested Effective Dates - New: 01/01/2012=20 Renewal: 01/01/2012

The above captioned=20 companies' previous filing (Item Key #269927) requested an overall rate = increase=20 of +20.1%, but was disapproved in May 2011 because it was not = actuarially=20 justified.

The company has amended the filing and is now=20 resubmitting.

The last adjustment to this program was approved in = January=20 2010 (Item Key #253023) and resulted in an overall rate increase of = +9.6%=20 (amended from +17.6%) to be effective May 1, 2010 for new business and = June 1,=20 2010 for renewal business.

With this filing, the company proposes = the=20 following changes:

Eligibility and=20 Coverages:

Remove Broad Form excluding Flood and = Earthquake=20 from Dwelling, Other Structures and Personal Property.
Add Per = Occurrence=20 Deductible to Rental/Commercial under Supplemental Coverages.
Add = Total Loss=20 Deductible Waiver to all programs under Supplemental Coverages.
Add = Debris=20 Removal Enhancement to Owner Byline, Owner Package, Seasonal Byline and=20 Rental/Commercial under Supplemental Coverages.
Add Occasional Rental = as an=20 Optional Coverage to Seasonal Byline.=20

Byline Rates and Modular Byline = Rates:

Revise=20 the Product Code Base Rates as follows:

Product Codes 211 and 21W from $291.00 to $325.00.=20
Product Codes 221 and 22W from $259.00 to $285.00.=20
Product Codes 2L2 and 2LV from $246.00 to $270.00.

Revise Territory Relativity Factors for territories 51, 53 and 54 as=20 follows:

Territory 51 from 2.45 to 2.95.=20
Territory 53 from 1.09 to 1.37.=20
Territory 54 from 3.50 to 3.85.

Package Rates and Modular Package=20 Rates:

Combine Doublewide Package Program (091) and=20 Singlewide Package Program (041) and increase base rate from $206.00 to=20 $220.00.
Revise Package Program (041) Other Structures limit to 10% = and=20 Personal Property limit to 40%.
Revise Modular Base Rate (04W) from = $206.00=20 to $220.00.
Revise Territory Relativity Factors for territories 51, = 53 and 54=20 as follows:

Territory 51 from 2.05 to 2.95.=20
Territory 53 from 1.09 to 1.37.=20
Territory 54 from 3.15 to 3.85. =20

Rental/Commercial Rates and Modular Rental/Commercial=20 Rates:

Remove Broad Form Rental/Commercial and roll all current policies = into=20 Comprehensive All Risk.
Increase Rates 10% and add Per Occurrence=20 Deductible.

These changes will result in an overall rate increase = of=20 +24.86% or +$6,065,521 = (24,706=20 policyholders).

Companion forms (Item Key #269843) were approved=20 on April 14, 2011.

Item Key: 276886
Date = Submitted: 09/08/2011
Plaza Insurance Company
1 - = Property
Initial Rate=20 and Rule
Commercial Property=20 (Fire and Allied Lines)
Supermarket Insurance Group = Program
Adoption of=20 PIAL: LA 10-13 (CF-2010-OLOB1)

Company Reference: PLZ-CP-SIG-11
The = above-captioned=20 company wishes to submit new rates and rules for its Commercial Property = program.

This new program is the Supermarket Insurance Group = (SIG), which=20 targets insureds whose primary business is retail supermarket/grocery=20 stores.

The SIG Program will be based on standard commercial = property and=20 therefore the company is adopting Property Insurance Association of = Louisiana=20 (PIAL) Filing Designation Number LA-10-13 (CF-2010-OLOB1), (Item=20 Key #263711), effective March 1, 2011.

The following = previously=20 filed and approved rates and rules will be used along with this = filing:

LA Property Tiered Pricing Rating Plan - Item Key #252743 - = approved=20 December 23, 2009=20
Equipment Breakdown Coverage - Item Key #265572 - approved = November 1,=20 2010=20
Earthquake and Flood - Item Key #276890 - approved September 27,=20 2011

The company will also be using these two program specific=20 items:

    1.    Exception=20 to Rule 14. Basic Forms=20 Applicable

         &= nbsp;=20 The company is filing an exception to this = rule to add=20 reference to a new mandatory endorsement to be available only=20 to
          &= nbsp;policies=20 written under the SIG Program. This endorsement packages specific=20 coverages for the Supermarket=20 Insurance
         =   Group=20 Program to tailor the property policy to business written under this=20 program.

    2.   =20 Individual Risk Premium Modification Plan=20 Eligibility

         =   The=20 company is submitting an exception to the eligibility rule for IRPM = rating to be=20 used only on accounts written=20 under
          &nbs= p;the=20 Supermarket Insurance Group Program=20 (SIG).

          = ; This=20 program targets insureds whose primary business is retail = supermarket/grocery=20 stores. This program has=20 demonstrated
         &nb= sp; an=20 active concern for workplace safety and an above-average ability to = control=20 losses and loss=20 exposure.

         &n= bsp; The=20 rule filing replaces the ISO eligibility requirement for the Individual = Risk=20 Premium Modification Plan for=20 Commercial
          = ; Property=20 to make the IRMP Plan apply to all insureds in the=20 program.

         &nb= sp; Many=20 of the insureds in the program do not meet ISO's current credibility = factors=20 that must be met to be eligible for=20 the
          = IRMP=20 Plan. The company is seeking to remove the requirement of this = credibility=20 factor to be able to adequately=20 reflect
         &n= bsp; the=20 exposures of the insured and their dedication to loss control=20 efforts.

Companion form (Item Key #276826) were approved October = 10,=20 2011.

Item=20 Key: 277371
Date Submitted: 09/23/2011
Westchester Fire = Insurance=20 Company
23 - Fidelity
Loss Cost Adoption
Fidelity
Fidelity Bonds
Adoption of ISO Multistate Loss Cost = Filing in=20 Response to FINRA

Company Reference: 11-FI-2009755
Requested = Effective=20 Dates - New: 01/01/2012 Renewal: = 01/01/2012

The=20 above-captioned company wishes to adopt ISO Multistate Loss Cost Filing = (Item=20 Key #275724) (approved August 12, 2011), in Response to Financial = Industry=20 Regulatory Authority (FINRA) Rule 4360.

The changes in this = referenced=20 filing are limited to revising the table heading in the loss cost pages = for the=20 Financial Institutions Program:

Table #1 (LC) Annual Loss Costs=20
Table #3 (LC) Annual Loss Costs

As a result of the introduction of a new Financial Institution Crime = Policy=20 For Securities Brokers And Dealers (Nonaggregate Form) FI 00 = 16.

The new=20 Financial Institution Crime Policy for Securities Brokers and Dealers=20 (Nonaggregate Form) FI 00 16 will be subject to the same loss costs used = with=20 the existing Financial Institution Crime Policy for Securities Brokers = and=20 Dealers (Aggregate Form) FI 00 12.

As a result of this filing, = there is=20 no impact on loss costs or the overall loss costs = level.

Item Key: 278888
Date = Submitted: 11/10/2011
Plaza Insurance Company
17 - Other=20 Liability
Initial Rate and Rule
Commercial General Liability
Patriot Community Transport Program
Initial Rates and=20 Rules
#=20 of Policyholders: 0

Company=20 Reference: PLZ-GL-PATRIOT-11
With this filing, the company = is submitting=20 a General Liability rates and rules filing applicable only to insureds = of its=20 new Patriot Community Transport Program.

Plaza Insurance Company = wishes=20 to provide General Liability insurance for a select, homogeneous book of = community transportation operators underwritten through Patriot = Underwriting=20 Managers for their Patriot Community Transport Program. A typical = policyholder=20 for this program provides transportation services for the elderly,=20 underprivileged and those with special needs. The operator contracts = with a=20 local municipality, medical providers and/or social service agencies to = provide=20 pick-up and delivery services for clients and = constituents.

The=20 company has revised Rules 16. and 36. to identify the Patriot Community=20 Transport Program specific additional optional endorsements at no = charge.=20

There is no rate impact associated with this = filing.

The=20 corresponding forms were approved under state tracking # 278881 = effective=20 12/29/2011.

Item = Key:=20 278941
Date Submitted: 11/14/2011
Plaza Insurance = Company
17 -=20 Other Liability
Initial Rate and Rule
Commercial General Liability
Supermarket Insurance Group = Program
#=20 of Policyholders: 0

Company=20 Reference: PLZ-GL-SIG-11
With this filing, the company = is submitting new=20 rules for General Liability to be used with a new program. Plaza is = submitting=20 an exception to the eligibility rule for schedule rating to be used on = accounts=20 written under its Supermarket Insurance Group Program (SIG).

The = SIG=20 program targets insureds whose primary business is retail supermarket/ = grocery=20 stores. This program has demonstrated an active concern for workplace = safety and=20 an above-average ability to control losses and loss exposures. =

The rule=20 filing replaces the ISO eligibility requirement for the Schedule Rating = Plan of=20 the Commercial General Liability Commercial Lines Manual to make the = schedule=20 rating plan apply to all insureds in the program.

The SIG = program=20 is a new program for Plaza Insurance Company. This filing is the new = program=20 filing in that the only program specific item is the rule filed. = All other=20 portions of this program are standard ISO GL as filed/approved for Plaza = Insurance Company under LA filings 252060 and 252163.

There is no = rate=20 impact associated with this filing.

The corresponding forms were = approved=20 under state tracking # 278904 effective 12/13/2011.

Item Key: 279307
Date = Submitted: 11/23/2011
HARTFORD CASUALTY INSURANCE COMPANY
SENTINEL = INSURANCE COMPANY, LTD.
HARTFORD ACCIDENT AND INDEMNITY INSURANCE=20 COMPANY
HARTFORD FIRE INSURANCE COMPANY
4 - Homeowners
Initial = Rate and=20 Rule
Homeowners Program
Introduction of new rating plan - The = Hartford=20 Home Advantage

Company Reference: = FN.14.799.2011.03
Requested=20 Effective Dates - New: 04/07/2012 Renewal:=20 N/A

This filing was originally filed as Item Key #275289 and = withdrawn by=20 the companies in October 2011.

The companies state "Attached is a = refile=20 of FN.14.799.2011.02. In this refiling, we have made several = revisions=20 including various rule revisions and revisions to territory relativities = to=20 better align with LDI suggestions from our previous filing. Base = rates=20 have been adjusted according to these changes and corrected for issues = in our=20 original offbalance process".

With this refile, the above = captioned=20 companies wish to introduce a new rating plan for homeowners business in = Louisiana.

The new rating plan will be named The Hartford Home=20 Advantage.

This new by-peril rating plan will enable The Hartford = to=20 write homeowners policies through four distinct sales channels: = AARP=20 Direct, in Hartford Casualty Insurance Company; Consumer Direct = (non-AARP)=20 marketing in Hartford Fire Insurance Company; an AARP member program = through=20 agents in Sentinel Insurance Company, Ltd.; and all other agency = produced=20 business in Hartford Accident and Indemnity Company.

Upon = implementation=20 of this new rating plan, The Hartford intends to discontinue accepting = all new=20 homeowners business in the current writing company, Property and = Casualty=20 Insurance Company of Hartford. The new rating plan will only be = available=20 for new customers - existing customers in the above writing companies = will=20 continue to renew in that company, and will experience no rate=20 impact.

With the introduction of this class plan for agency = business, The=20 Hartford will give agents the opportunity to become certified AARP = program=20 agents for the purposes of advertising their affiliation with The = Hartford's=20 AARP Homeowners Insurance Program and marketing to AARP members who = prefer to=20 consult with independent agents. Not all agents will qualify for=20 certification. Certified AARP Program agents will use the Hartford = Casualty Insurance Company for AARP member program and the appointments = in this=20 company are not available to agents who are not certified. Agents = who are=20 not certified for the AARP program will be appointed with Hartford = Accident and=20 Indemnity Company, which is the agency non-member channel. = Hartford=20 Accident and Indemnity Company will also be used by certified agents for = placement of non-AARP applicants.

With this filing, the companies = are=20 introducing a number of new rating variables to enhance pricing=20 segmentation and rating power to increase the likelihood of achieving = loss ratio=20 equity across the spectrum of insureds. New rating variables=20 include: household size, dog ownership, number of mortgages, = number of=20 families, presence of pool, square footage, gender/marital status, = primary=20 residence, AARP membership/tenure, heating system type.

Program=20 deviations are as follows:

Writing Company

Factor

Hartford Casualty Insurance = Company

1.00

Hartford Fire Insurance Company

1.00

Sentinel Insurance Company, = Ltd.

1.05

Hartford Accident and Indemnity = Company

1.10

Min= imum=20 Premium
Each policy Form is subject to a minimum All = Perils=20 Adjusted Base Premium as shown in the chart below:

Form

Minimum = Premium

HO 00 02

$200.00

HO 00 03

$200.00

HO 00 05

$200.00

HO 00 04

$40.00

HO 00 06

= $90.00

Policy=20 Expense Fee

Base Policy Form

Policy Expense = Fee

HO 00 02

$100

HO 00 03

$100

HO 00 04

$60

HO 00 05

$100

HO 00 06

=20 $60

Package=20 Endorsements
There are three exclusive Hartford package=20 endorsements: Advantage, Advantage Plus and Condo Advantage=20 Plus.

Advantage is a package of endorsements that provides = broadened=20 Section I and II coverage, as well as increasing the Coverage E amount = of=20 insurance by an additional $300,000, Coverage F by an additional $4,000, = increasing the Coverage C amount of insurance to a minimum of 75% of the = Coverage A amount of insurance, and increasing Loss of Use to 25% of = Coverage A=20 amount of insurance. In addition, the following endorsements are = included=20 in the package: Credit Card, Electronic Fund Transfer Card or = Access=20 Device Forgery and Counterfeit Money Coverage Increased Limits of $500;=20 Refrigerated Property Coverage; Personal Injury; Personal Property = Replacement=20 Cost Loss Settlement; Increased Limits for watercraft; and Identity = Fraud=20 Expense Coverage. The companies propose to charge a flat fee of = $42 and a=20 factor of 8.0% for this package.

Advantage Plus is a package of=20 endorsements that provides the same coverage as Advantage (described = above) with=20 higher limits of liability for certain coverages. The package also = includes Credit Card, Electronic Fund Transfer Card, or Access Device = Forgery=20 and Counterfeit Money Coverage Increased Limits of $9,500, as well as = increased=20 limits for jewelry and money. In addition, this package provides = for=20 Section I and II loss assessment, Replacement Cost Loss Settlement for = Certain=20 Non-Building Structures on the Residence Premises, and Disappearing=20 Deductible. The companies propose to charge a flat fee of $67 and = a factor=20 of 9.0% for this package.

Condo Advantage Plus is a package of=20 endorsements that provides the same coverage as Advantage Plus but for = form HO-6=20 Condominium, and with the exception of Replacement Cost Loss Settlement = for=20 Certain Non-Building Structures on the Residence Premises (not included = in Condo=20 Advantage Plus). The package also includes Unit Owners Coverage C = Special=20 Coverage; Unit Owners Coverage A Special Coverage. The companies = propose=20 to charge a flat fee of $38 and a factor of 16% for Condo Advantage=20 Plus.

The companies state "This dual method of pricing better = reflects=20 that some of the coverage does not expand with the value of the dwelling = and=20 some does".

Companion forms (Item Key #278167) were approved on = December=20 8, 2011.

Companion forms (Item Key #278268) were approved on = December 8,=20 2011.

There is no rate impact associated with this = filing.

Item Key: 279310
Date = Submitted: 11/23/2011
Continental Western Insurance Company
UNION=20 INSURANCE COMPANY
17 - Other Liability
Revised Rate and = Rule
Commercial=20 General Liability
Revised Louisiana Rule(s)=20 Exception Pages Associated with the New and Revised = Companion=20 Form(s)

Company Reference: 11-GL-RU-402
Requested = Effective=20 Dates - New: 01/04/2012 Renewal: = 01/04/2012

With this filing, the referenced = companies=20 are proposing to adopt the following company rule changes, additions or=20 deletions as described:

Rule 16. Additional=20 Interests

1) Additional = Insured=20 Option - revised headings for new split in rules between Ongoing = Operations=20 and Completed=20 Operations
    A) A= dded=20 heading - Item B.1.: Additional Insured - Ongoing=20 Operations
          = ;  a) =20 Item B.1.f. - replaced rate range with specific rate of=20 10%
           = b)  Item=20 B.10. - moved rule for Form CG 20 37 to Completed Operations=20 Section
          &n= bsp; c) =20 Item B.11. -  deleted Additional Insured - Limited = Completed=20 Operations rule
     B) Added = heading -=20 Item B.2.: Additional Insured - Completed=20 Operations
          = ;  a) =20 Scheduled Basis Only - New section added with the following rules and=20 forms:
       &n= bsp;        1)=20 CL CG 20 37 - Additional Insured - Owners, Lessees or = Contractors -=20 Completed=20 Operations
          = ;          i)=20 moved from Additional Insured - = Ongoing Operations Section=20 [See Item 1) A) b)=20 above.]
          &n= bsp;         ii)=20 changed premium from $200 per = contract and=20 $500 per policy period to $200 per contract=20 only
       &nbs= p;        2)=20 CL CG 20 38 - Additional Insured - Completed Operations - = Scheduled=20 Person or Organization for Designated=20 Project
       &= nbsp;           &n= bsp;i)=20 added as new endorsement and=20 rule
           = ;        =20 ii) specific project at a specific location to be specified = for each=20 additional insured scheduled in the=20 endorsement
      &nb= sp;         3)=20 CL CG 20 02 - Additional Insured - Owners, Lessees or Contractors - = Limited=20 Completed Operations Coverage=20 -            =          Scheduled Pers= on or=20 Organization
         &nb= sp;          i)=20 amended coverage description, including time period in which coverage=20 will end (2 years as=20 defined)
          &= nbsp;         ii)=20 amended premium=20 charge definition
        = ;        4)=20 CL CG 20 03 - Additional Insured - Owners, Lessees or Contractors - = Limited=20 Completed Operations Coverage=20 -
          &n= bsp;         Scheduled = Person or=20 Organization
         &nb= sp;          i)=20 amended coverage description, including time period in which coverage = will=20 end (5 years as=20 defined)
          &= nbsp;        =20 ii) amended premium=20 charge definition
        = ;        5)=20 CL CG 20 13 - Additional Insured - Limited Completed Operations=20 - deleted
         &= nbsp;  b) Automatic=20 Basis Only - New section added with the following rules and=20 forms:
          &nb= sp;     1) CL=20 CG 20 06 - Additional Insured - Owners, Lessees or Contractors - Limited = Completed Operations=20 Coverage -
        =            =20 Automatic Status When Required in Construction Agreement With You = Endorsement -=20 deleted
         &n= bsp;        &n= bsp; i) CL=20 CG 20 06 replaced with the CL CG 20 39 [See Item=20 3) that follows in this Section=20 b).]
       &nbs= p;        2)=20 CL CG 20 05 - Additional Insured - Owners, Lessees or = Contractors -=20 Limited Completed Operations Coverage=20 -
          &n= bsp;         Automatic=20 Status When Required in Construction Agreement With You Endorsement=20 =E2=80=93 deleted
    &nbs= p;            = ;   i) CL=20 CG 20 05 replaced with the CL CG 20 40 [See Item 4) that = follows in=20 this section=20 b).]
       &nbs= p;        3)=20 CL CG 20 39 - Additional Insured - Completed Operations - = Automatic=20 Status When Required In=20 Construction
         &nb= sp;         Agreement W= ith You
     &n= bsp;           &nb= sp; i)=20 New Endorsement and rule providing no look back and = unlimited=20 forward=20 coverage
       =          4)=20 CL CG 20 40 - Additional Insured - Completed Operations - = Automatic=20 Status When Required In=20 Construction
         &nb= sp;        =20 Agreement With=20 You
       = ;            = i) New=20 endorsement and rule providing 3-year look back and unlimited forward=20 coverage

Rule 22. Description of = Commercial=20 General Liability Coverage

1) Item C. - revised heading = to read=20 "For details of coverage:" and Item C.2. to read "Refer to mandatory = multistate=20 endorsements:"
2) Item C.2.h. Silica=20 Exclusion:
    A) replaced Endorsement/Rule = CL CG=20 21 13 with Endorsement/ISO Rule Form CG 21 96, applicable to General=20 Liability
         =20 Coverage Part
    B)  replaced=20 Endorsement/Rule CL CG 21 15 with Endorsement/ISO Rule Form CG 33 = 70,=20 applicable to Owners and=20 Contractors
         Prot= ective=20 and Products/Completed Operations Coverage=20 Parts
    C) added Endorsement/Rule ISO = Form CG 33=20 71, applicable to Railroad Protective Coverage=20 Parts
    D) adopted the=20 ISO Endorsements/Rules without = exceptions

Rule 36. Description of = Additional=20 Optional Endorsements

1) Item C. = Exclusion=20 Endorsements
    A) CG 21 96 - Item = 24. -=20 removed exception to ISO Rule and replaced with ISO rule with no=20 exception
2) Item D. Revisions/Additions to=20 Endorsements/Rules
    A) CL CG 21 80 -=20 Lawn Care Services Endorsement - added=20
        a) Item 8. - = revised=20 to maintain the exclusion for "over the counter" herbicides = or pesticides, when a license is=20 required
    B) CL CG 00 11 =20 - Sexual Abuse Liability=20 Endorsements
        a) &= nbsp;Items=20 13.a. and 13.b. - amended to reflect attachment of Item (1) = and newly=20 added Item (2) CL CG 01=20 57
           &= nbsp;=20 Louisiana Changes - Sexual Abuse Liability (Duty to=20 Defend)
        b) = Replaced=20 premium rate range with a specific rate of 5%
3) Item = E.1.d. -=20 Pollution Exclusion Options
    A) CL CG 01 55 = - =20 LA Changes - Contractors Limited Pollutions - "Work=20 Sites" - added
       &nb= sp;a) =20 added limited pollution coverage for contractors who bring larger = quantities of=20 pollutants onto a job site

Rule 46. Owners and = Contractors=20 Protective Liability Insurance
1) = Items B.9.=20 and B.10. - exceptions to ISO=20 rules removed
2) ISO Silica and = Communicable=20 Disease Exclusions adopted with no = exceptions

Rule 48. Products/Completed = Ops=20 Liability Coverage
1) Items A.7 and A.8 - exceptions = to ISO=20 rules removed
2) ISO Silica and = Communicable=20 Disease Exclusions adopted with no=20 exceptions

Rule 49. Railroad Protective=20 Liability
1) Item B.4. - exception to ISO=20 rule removed
2) ISO Silica Exclusion and rule adopted with = no=20 exceptions

Additional Company = Rules -=20 Enhancement Endorsements

1) General Liability Ultra=20 Endorsement -  revised name from Enhancement to=20 Ultra
2) Contractor's General Liability Ultra = Endorsement=20 - revised name from Advantage to General Liability=20 Ultra
3) Manufacturer's General = Liability=20 Ultra Endorsement - revised = name from=20 Advantage to General Liability Ultra
4) Expanded Property = Damage=20 Coverage
     A) Item D. Electrical = Contractors=20 Program - added new endorsements with rules
     = B) GR CG=20 32 - $5,000 Limit of Insurance
     C) CL CG 04 = 47=20 - $50,000 Limit of Insurance

Errors = and=20 Omissions / Professional Liability Coverages=20 Available

1) Condominium = Director's=20 and Officers Liability Insurance (Claims-Made) - New form CL = CG 01=20 52, coverage and rule in LA
2) Morticians or Funeral Directors = Professional Liability Coverage - revised form number to CL CG 04=20 71
3) Pastoral Counseling Liability for Religious Institutions - = New=20 form CL CG 04 70, coverage and rule in LA
4) Fire/EMS = Pak Texas=20 Management Liability Changes CL CG 00=20 22
    A) Goverment Units = - Sublimits -=20 deleted form and rule - no longer = required

There is no rate impact associated with = this=20 filing.

Implementation of the rate/rule filing requires approval = of=20 companion form(s) filing, LDI tracking #, Company tracking=20 #.

<= /SPAN>

Item Key: 279614
Date = Submitted: 12/07/2011
AMERICAN BANKERS INSURANCE COMPANY OF = FLORIDA
17 -=20 Other Liability
Initial Rate and Rule
Comprehensive Personal=20 Liability
Introduction of Residents Liability Program

Company Reference: LA01899AI00016
The = above-captioned=20 company wishes to introduce rates and rules for its new Residents = Liability=20 Program.

Only individuals who rent a location for residential use = at a=20 property owned by or managed by the Group Policyholder are eligible for = the=20 program.

The program is designed to provide liability protection = for=20 tenants of leased/rented residential property. It offers four = Limits of=20 Liability options: $25,000, $50,000, $100,000 and = $300,000.

An=20 optional Personal Property coverage is available with a $250 deductible, = Additional Living Expense coverage of 20% of the limit on Personal = Property=20 coverage and liability limits of $10,000, $15,000 or $20,000. = There is=20 also the option to select a $500 deductible for a 5% credit.

When = the=20 $300,000 Limit of Liability is selected, the company offers the = option to=20 limit animal liability to $100,000. A 10% credit is received for = this=20 option.

There is no rate impact associated with this=20 filing.

Companion forms (Item Key #279589) were still pending as = of=20 January 17, 2012.

Item Key:=20 279724
Date Submitted: 12/12/2011
STARNET INSURANCE = COMPANY
26 -=20 Burglary And Theft
Initial Rate and Rule
Commercial Crime (Burglary = and Theft)
Kidnap &=20 Ransom Program
Initial Pricing Model with Rating Factors and = Rating=20 Rules
#=20 of Policyholders: 0

Company=20 Reference: KRS-010112-R

With this filing, the referenced company is = submitting its new program for Kidnap and Ransom Insurance.

The Kidnap and Ransom Insurance Policy provides indemnity coverage = for the=20 Insured / Insured Person for a variety of damages and costs arising from = a broad=20 range of kidnap, ransom and extortion type events which first occur = during the=20 period of insurance. This coverage will be written as = a monoline=20 policy only.

There is no rate impact associated with this=20 filing.

The companion form(s) filing, LDI tracking #279725, = Company=20 tracking #KRS-010112-F, was approved for use on=20 01/23/2012.

Item=20 Key: 280047
Date Submitted: 12/20/2011
AMERISURE MUTUAL = INSURANCE=20 COMPANY
AMERISURE INSURANCE COMPANY
17 - Other=20 Liability
Adoption
Commercial General Liability
Adoption
Filing = Reference # LA-=20 CG-CAR-AMIC-AIC-1-15 Ed 12 11 replaces LA-CG-CAR-AMIC-AIC-1-14 Ed 09 11/ = CG-RULE=20 34 A 1 f-AMIC-AIC-1-1 Ed 12 11 is new/ CG-RULE 36 A-AMIC-AIC-1-1 Ed 12 11 is new/ CG-RULE 36 = C-AMIC-AIC-1-1=20 Ed 12 11 is new/ CG-RULE 36 F 1-AMIC-AIC-1-1 Ed 12 11 is=20 new
Overall=20 % Impact: -0.300%Overall=20 $ Impact: $-4,750#=20 of Policyholders: 16

Company=20 Reference: LA -GL-ADD INS-POLL-R-2012
Requested Effective Dates - = New:=20 05/01/2012 Renewal: 05/01/2012

The last rate = adjustment to=20 this program was an overall -12.70% approved under state tracking # = 261360=20 effective 4/01/2011.

With this filing, the companies are = proposing=20 revisions to their company rules as follows:

=E2=80=A2 LA- = CG-CAR-AMIC-AIC-1-15 Ed=20 12 11 replaces LA-CG-CAR-AMIC-AIC-1-14 Ed 09 11

=E2=80=A2 CG-RULE = 34 A 1=20 f-AMIC-AIC-1-1 Ed 12 11 is new.

RULE = 34. SPECIAL=20 RULE FOR INDIVIDUAL RISK SITUATIONS
ISO Rule 34, paragraph = A.1.f., is=20 deleted in its entirety.

=E2=80=A2 = CG-RULE 36=20 A-AMIC-AIC-1-1 Ed 12 11 is new.

RULE 36. = DESCRIPTION OF=20 ADDITIONAL OPTIONAL ENDORSEMENTS
ISO Rule 36, = paragraph A.=20 Additional Optional Endorsements, is deleted and replaced. =

=E2=80=A2 CG-RULE = 36 C-AMIC-AIC-1-1=20 Ed 12 11 is new.

RULE 36. = DESCRIPTION OF=20 ADDITIONAL OPTIONAL ENDORSEMENTS
ISO Rule 36, = paragraph C.=20 Exclusion Endorsements, subparagraphs C.1., C.2., C.3., C.4., C.5., = C.10.,=20 C.17., C.18.a., and C.18.b. are deleted and replaced.

=E2=80=A2 CG-RULE = 36 F 1-AMIC-AIC-1-1=20 Ed 12 11 is new.

RULE 36. = DESCRIPTION OF=20 ADDITIONAL OPTIONAL ENDORSEMENTS
ISO Rule 36, = paragraph F.=20 Amendments Of Limits Endorsements, subparagraph F.1. is deleted and = replaced.=20

Summary of = Changes to=20 Louisiana Company Additional Rules

1. Company = additional rule=20 for Additional Insured Endorsement is new. There is no premium = adjustment=20 or charge for this coverage.

2. Company = additional rule=20 for Additional Insureds - Primary Non-Contributory Coverage When = Required By=20 Written Contract, Written Agreement, Or Certificate Of Insurance is = new.=20 There is no premium adjustment or charge for this coverage. =

3. Company = additional rule=20 for Advantage Blanket Additional Insured Endorsement was revised. = The=20 previous charge range of 2% - 5% of the modified GL premium, determined = on an=20 individual risk basis, has been changed to a flat 2% charge of the GL = premium.=20 Additionally, a $1,000 maximum premium was added.

4. The Charges = Subject To=20 Audit company additional rule was deleted.

5. Company = additional rule=20 for Contractor=E2=80=99s Blanket Additional Insured Endorsement = was revised. The=20 previous charge range of 2% - 5% of the modified GL premium, determined = on an=20 individual risk basis, has been changed to a flat 2% charge of the GL = premium.=20 Additionally, a $2,500 maximum premium was added.

6. Company = additional rule=20 for Exterior Insulation And Finish Systems =E2=80=93 Limitation Of = Coverage was=20 revised. For clarification, the word =E2=80=9CFlat=E2=80=9D was added to = the phrase =E2=80=9CPremium=20 charge.=E2=80=9D The new wording reads =E2=80=9CFlat premium = charge.=E2=80=9D

7. Company = additional rule=20 for Louisiana Advantage General Liability Extension Endorsement = was=20 revised. The previous 2.5% charge of the modified GL premium has been = changed to=20 a $500 flat charge. Additionally, the minimum $250 premium was = eliminated.=20