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 = NOVEMBER=20 16, 2009

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

Item Key: 21474
Date = Submitted:=20 03/26/2009
Property Insurance Association of Louisiana
1 -=20 Property
Revised Rate only
Dwelling Manual
Fire and Extended = Coverage=20 Rate Level Revisions
(+7.6%)

Company Reference: LA 05-13
Requested = Effective Dates=20 - New: 11/01/2005 Renewal: 11/01/2005

The Property=20 Insurance Association of Louisiana's last rate revision for dwelling was = an=20 overall increase of +10.8% (amended by the company from +20.2%) in = November 2003=20 (item #1a) effective March 1, 2004.

It now files for an overall = increase=20 of +7.6% to Dwelling Fire and Extended Coverage=20 premiums.

The proposed changes to Dwelling rates are as=20 follows:

Extended Coverage = TOTAL+7.6%

Dwelling=20 Fire
Buildings	-3.9%
Dwelling=20 Contents	0.0%
All=20 Classes	-3.6%
Buildings	+20.5%
Contents	0.0%
All=20 Classes	+19.7%

Item Key: 250112
Date = Submitted: 08/14/2009
HARTFORD CASUALTY INSURANCE COMPANY
HARTFORD = INSURANCE COMPANY OF THE SOUTHEAST
HARTFORD UNDERWRITERS INSURANCE=20 COMPANY
TWIN CITY FIRE INSURANCE COMPANY
HARTFORD ACCIDENT AND = INDEMNITY=20 COMPANY
HARTFORD FIRE INSURANCE COMPANY
4 - Homeowners
Revised = Rate and=20 Rule
Homeowners Program
Overall=20 % Impact: 28.7%Overall=20 $ Impact: $135,019#=20 of Policyholders: 267

Company=20 Reference: FN.14.799.2009.01
Requested Effective Dates - New: = 10/03/2009=20 Renewal: 11/19/2009

The last adjustment = to this=20 program was approved in August 1993 (#1a) and resulted in an overall = 0.0% to be=20 effective September 1, 1993.

With this filing, the companies wish = to=20 increase base rates by 29% for all coverage forms.

Along with the = base=20 rate, the companies proposes the following:

Revise wind or hail exclusion factors. Currently, there are = no=20 policyholders with the wind or hail exclusion endorsement.=20
Change the format of the rate pages and clarify the wording of the = account=20 credit rule. Rule 802, Account Credit, was revised in order to = open the=20 credit up to insureds with any Hartford auto policy instead of = limiting it to=20 Agency writing companies.

These changes will result in an overall rate increase of=20 +28.7% or +$135,019 (267 = policyholders).

Item=20 Key: 251206
Date Submitted: 09/14/2009
Louisiana Citizens = Fair=20 Plan
LOUISIANA CITIZENS COASTAL PLAN
1 - Property
Revised Rate=20 only
Personal Property & Homeowners
Overall=20 % Impact: +9.8%Overall=20 $ Impact: $12,784,327

Company=20 Reference: 122009
Requested Effective Dates - New: 12/01/2009=20 Renewal: 02/01/2010

The last adjustment = to this=20 program was approved in January 2009 (Item Key #240480) and resulted in = an=20 overall +0.38% to be effective May 1, 2009 for both new and renewal=20 business.

With this filing, Louisiana Citizens Property Insurance = Corporation states "The state legislature changed the rating statute in = 2009=20 after we had begun the ratemaking process. We have gone back to = our work=20 and incorporated the changes made by the legislature including adding = 10% to the=20 actuarially indicated rate and included companies growing by at least 25 = policies in a parish".

This change will result in an overall rate = increase of +9.8% or

Item Key: 251351
Date = Submitted: 09/16/2009
Garrison Property and Casualty Insurance=20 Company
UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY = INSURANCE=20 COMPANY
USAA GENERAL INDEMNITY COMPANY
19 - Private Passenger=20 Automobile
Revised Rate and Rule
Revisions to Make / Model Factors = and=20 Amendment to Accident Forgiveness Rule
#=20 of Policyholders: 56224

Company=20 Reference: LA0911498
Requested Effective Dates - New: 12/01/2009=20 Renewal: 12/01/2009

The=20 last approved rate adjustment to this program resulted in an overall = increase of=20 +0.2% and was filed under the Prior Approval provision state tracking = #235182=20 effective 01/01/2009.

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

Based on a countrywide review of their latest automobile=20 experience, the referenced companies hereby file to = revise the=20 Make / Model factors for USAA Group. Details of these = changes=20 are provided on the rate pages included in this filing.=20

In addition, the companies are=20 proposing to amend the Accident Forgiveness = rule which was=20 filed and approved under state tracking #242654. During an = internal=20 review of their auto manuals, some discrepancies in the state = specific=20 language were discovered. They want to ensure that the=20 companies' manual clearly reflects their current=20 practice. The previously approved Accident Forgiveness = wording made=20 it appear that an insured had to have a clean driving record for five = years in=20 order to purchase the endorsement. An insured=E2=80=99s household = must have no=20 chargeable accidents within the past five years in order to earn = Accident=20 Forgiveness; however, an insured=E2=80=99s household does not have to = have a clean=20 driving record in order to purchase the optional endorsement.

The = referenced companies have submitted a separate filing to comply with the = new=20 minimum limits requirement for compulsory Motor Vehicle=20 Liability.

Item=20 Key: 251426
Date Submitted: 09/17/2009
First Guard = Insurance=20 Company
19 - Commercial Automobile
Revised Rate and Rule
Commercial Auto
Initial Rate = and=20 Rule/Commercial Truck Physical Damage and Nontrucking Liability for = Lease=20 Operators
Overall=20 % Impact: 0%Overall=20 $ Impact: $0#=20 of Policyholders: 0

Company=20 Reference: TIPFLOLA 2
Requested Effective Dates - New: 11/01/2009=20 Renewal: 11/01/2009

With this = filing, the=20 company is submitting a new program providing commercial truck physical = damage=20 and nontrucking liability for lease operators. First Guard = Insurance=20 Company is a specialty insurer of owner operator truckers. = Presently, it=20 has an approved program for physical damage insurance.

This = filing=20 encompasses a new program which combines physical damage insurance = with a=20 specialty liability coverage known as nontrucking insurance. This = combined=20 coverage offering is applicable to lease operator truckers who operate = their=20 vehicles under a permanent lease agreement with a U.S. Government = regulated=20 motor carrier.

TIPFLO has two optional coverage=20 sections.

Section one offers physical damage coverage on a = scheduled=20 vehicle basis.

Section two offers nontrucking liabilty coveage on = a=20 scheduled vehicle basis. It is important to note that the = coverages=20 offered under section two do not apply full time. Section two only = applies=20 when a covered truck/trailer meets all of the conditions for nontrucking = use. Sine lease operators mainly use their truckis in the business = of a=20 trucking company, the vast majority of liability related exposures fall = under a=20 trucing company's business auto policy.

The Truckers Insurance = Policy For=20 Lease Operators (TIPFLO) is not intended to replace the company's = current=20 physical damage filing. Rather, it will be an additional product=20 offering. Initially, the company intends to offer the TIPFLO=20 policy to new customers and to exisiting customers as their = policies=20 renew.

There is a 0% and $0 rate impact associated with this = filing=20 and it affects 0 policyholders.

Item Key: 251458
Date = Submitted: 09/18/2009
ANPAC LOUISIANA INSURANCE COMPANY
1 -=20 Property
Revised Rate and Rule
Rental Owners Program
Overall=20 % Impact: -0.79%Overall=20 $ Impact: $-1,938#=20 of Policyholders: 479

Company=20 Reference: 17-ANPLA ROP-09-0535
Requested Effective Dates - New: = 11/24/2009=20 Renewal: 11/24/2009

The last adjustment = to this=20 program was approved in April 2009 (Item Key #244487) and resulted in an = overall=20 0% to be effective June 15, 2009 for both new and renewal = business.

The=20 overall rate change by form is as follows:

Form=20 1 -1.20% Form=20 3 -0.75%
Along=20 with the base rate change, the company proposes the=20 following:

Rental Owner General Rule Page=20 Revisions
In Rule 503, Hurricane Adjusted Premium, the = company=20 revised Item 4 to now read: Fortified Home Discount factor or = Named Storm=20 Loss Reduction factor. Item 5 was eliminated as is now part of = Item=20 4.

Miscellaneous Rate and Endorsement Page=20 Revisions
Rule A, Claim Free Plus, has been revised to = indicate=20 that risk scores will be updated periodically.

In Rule B, = Fortified Home=20 Discount, the company revised the discount to now only by applied to = named storm=20 adjusted base premiums only.

In Rule I, Named Storm Loss = Reduction=20 factors, the company made an editorial change to clarify that this = discount is=20 not applicable if the Fortified Home Discount applies.

These = changes will=20 result in an overall rate decrease of -0.79% or=20 -$1,938 (479 policyholders).

Companion = forms=20 (Item Key #251306) were approved on October 14, 2009.

Item Key: 251459
Date = Submitted: 09/18/2009
Louisiana Citizens Coastal Plan
LOUISIANA = CITIZENS=20 FAIR PLAN
1 - Property
Revised Rate only
Personal Property and=20 Homeowners
Overall=20 % Impact: 10.0%Overall=20 $ Impact: $31#=20 of Policyholders: 47315

Requested=20 Effective Dates - New: 12/01/2009 Renewal:=20 02/01/2010

The last adjustment to this program was approved in = January=20 2009 (Item Key #240480) and resulted in an overall +0.38% to be = effective May 1,=20 2009 for both new and renewal business.

With this filing, = Louisiana=20 Citizens Property Insurance Corporation states "The state legislature = changed=20 the rating statute in 2009 after we had begun the ratemaking = process. We=20 have gone back to our work and incorporated the changes made by the = legislature=20 including adding 10% to the actuarially indicated rate and included = companies=20 growing by at least 25 policies in a parish. On Monday, September = 14, 2009=20 we filed a +9.8% rate change for our personal property programs. = The DOI=20 reference number is 251206. At the September 10, 2009 board = meeting of=20 LCPIC, we were directed to file 2 rate changes. The reason for 2 = changes=20 is that the 2008 statutory audit has not been completed. Therefore = the=20 board directed us to make 2 filings - one using 2008 and one excluding=20 2008. Filing 251206 included 2008 and this filing excludes = 2008. The=20 net difference between the 2 filings is +0.2%. This filing has the = higher=20 rates".

This change will result in an overall rate increase of=20 +10.0% or

Item Key: 251467
Date = Submitted: 09/18/2009
ANPAC LOUISIANA INSURANCE COMPANY
4 -=20 Homeowners
Revised Rate and Rule
Homeowners Program
In response = to=20 House Bill 333 - Act 134 - Annual Deductible Limitation
Overall=20 % Impact: +5.1%Overall=20 $ Impact: $1,280,319#=20 of Policyholders: 16497

Company=20 Reference: 17-ANPLA HO-09-0533
Requested Effective Dates - New: = 11/24/2009=20 Renewal: 11/24/2009

The last adjustment = to this=20 program was approved in May 2009 (Item Key #245370) and resulted in an = overall=20 rate decrease of -0.55% to be effective July 6, 2009 for both new and = renewal=20 business.

The overall rate change by form is as follows:

Form=20 3 +5.16% Form=20 7 +5.19% Form=20 4 +0.96% Form=20 6 +0.83%
Along=20 with the base rate change, the company proposes the following:

As = required by LA HB 333, this filing will limit multiple Named Storm peril = deductibles to one per year. The company states "We will still be = able to=20 apply the amount of the deductible that applies to all other perils = (perils=20 other than a named storm or hurricane) to subsequent named storm or = hurricane=20 losses (in the same calendar year) if the all other peril deductible is = greater=20 than the remaining portion of the separate=20 deductible".

Homeowner General Rule Page=20 Revisions
In Rule XIV, Premium Determination, the = company=20 revised Item 4 in B, Named Storm Adjusted Base Premium, to now = read: =20 Fortified Home Discount factor or Named Storm Loss Reduction = factor. Item=20 6, Wind/Hail Adjusted Base Premium, was revised to remove the Fortified = Home=20 Discount factor as this discount is now only applied to named storm = adjusted=20 base premium. Rule G was revised to show the name change from = Homeowners=20 Advantage Discount to Bi-Line Home Advantage Discount. This name = change=20 was made in the company's Rating = Example.

Miscellaneous Rate=20 and Endorsement Page Revisions
Rule B, Claim Free Plus, = has been=20 revised to indicate that risk scores will be updated = periodically.

In=20 Rule F, the company revised the name of this discount to read Bi-Line = Home=20 Advantage Discount instead of Homeowners Advantage Discount.

In = Rule G,=20 Fortified Home Discount, the company has revised the discount to now = only be=20 applied to named storm adjusted base premiums only.

In Rule L, = Named=20 Storm Loss Reduction factors, the company made an editorial change to = clarify=20 that this discount is not applicable if the Fortified Home Discount=20 applies.

In C, Section I and II, the company revised premium = factors in=20 Rule 1, SH-9207, Additional Residence Premises - Rented to = Others.

These=20 changes will result in an overall rate increase of = +5.1%=20 or +$1,280,319 (16,497 = policyholders).

Companion=20 forms (Item Key #251377) were approved on October 8, 2009.

Item Key: 251474
Date = Submitted: 09/18/2009
AMERICAN ALTERNATIVE INSURANCE CORPORATION
5 = -=20 Commercial Multiple Peril
Revised Rate and Rule
Commercial=20 Package
Changing the Name of Rural Special Districts Insurance = Services=20 Program (RSDIS) to
Glatfelter Public Practice Program (GPP) and = Filing=20 Revisions to the Program
Overall=20 % Impact: 3.1Overall=20 $ Impact: $65,840#=20 of Policyholders: 197

Company=20 Reference: ML LA0272201R01
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

The last adjustment to the the above-captioned program's RSDIS Rural = Special=20 Districts Insurance Services Program for water and wastewater districts = was when=20 an Eligibility Rule for Package = Policies was=20 approved effective May 1, 2007 (item key # 24734). That = resulted=20 in an overall rate change for all = lines=20 combined of -0.7% without the cap, and a 0.9% increase with = the=20 cap.

American Alternative Insurance Company is now filing to change the = name of=20 this program to the Glatfelter Public Practice Program (GPP). As = such, it=20 is filing an updated set of rules and rating plans, expanding program=20 eligibility to include general or special purpose municipal entities, = and filing=20 rates for the newly eligible classes.

This will result in = an=20 overall +3.1 %, or +$65,840 affecting=20 197 policyholders broken down as follows:

Line Proposed=20 Rate Change Written=20 Premium Change General=20 Liability -1.9% ($23,378) Commercial=20 Property 14.3% $92,496 Inland=20 Marine -4.0% ($3,301) Public=20 Officials & Managment Liability 0.8% $1,372 Crime -2.7% ($1,350) Total=20 Portfolio 3.1% $65,840
Companion=20 Forms Filing #251728/ML LA0272201F01was "Pending Review" as of October = 21,=20 2009.

Item Key:=20 251477
Date Submitted: 09/18/2009
AMERICAN NATIONAL GENERAL = INSURANCE COMPANY
4 - Homeowners
Revised Rate and = Rule
Homeowners=20 Program
In response to House Bill 333 - Act 134 - Annual Deductible=20 Limitation
Overall=20 % Impact: +5.2%Overall=20 $ Impact: $83,463#=20 of Policyholders: 1065

Company=20 Reference: 17-GHO-09-0534
Requested Effective Dates - New: 11/24/2009 = Renewal: 11/24/2009

The last adjustment = to this=20 program was approved in April 2009 (Item Key #244401) and resulted in an = overall=20 rate decrease of -0.003% to be effective June 15, 2009 for both new and = renewal=20 business.

The overall rate change by form is as follows:

Form=20 2 +3.08% Form=20 3 +7.01% Form=20 4 +0.08% Form=20 6 +0.11%
Along=20 with the base rate change, the company proposes the following:

As = required by LA HB 333, this filing will limit multiple Named Storm peril = deductibles to one per year. The company states "We will still be = able to=20 apply the amount of the deductible that applies to all other perils = (perils=20 other than a named storm or hurricane) to subsequent named storm or = hurricane=20 losses (in the same calendar year) if the all other peril deductible is = greater=20 than the remaining portion of the separate=20 deductible".

Homeowner General Rule Page=20 Revisions
In Rule XIV, Premium Determination, the = company=20 revised Item 4 in B, Named Storm Adjusted Base Premium, to now = read: =20 Fortified Home Discount factor or Named Storm Loss Reduction = factor. Item=20 6, Wind/Hail Adjusted Base Premium, was revised to remove the Fortified = Home=20 Discount factor as this discount is now only applied to named storm = adjusted=20 base premium. Rule G was revised to show the name change from = Auto-Home=20 Discount to Bi-Line Home Advantage Discount. This name change was = made in=20 the company's Rating Example.

Miscellaneous Rate and=20 Endorsement Page Revisions
Rule B, Claim Free Plus, has = been=20 revised to indicate that risk scores will be updated = periodically.

In=20 Rule F, Fortified Home Discount, the company revised the discount to now = only by=20 applied to named storm adjusted base premiums only.

In Rule = G, the=20 company revised the name of this discount to read Bi-Line Home Advantage = Discount instead of Auto-Home Discount.

In Rule L, Named Storm = Loss=20 Reduction factors, the company made an editorial change to clarify that = this=20 discount is not applicable if the Fortified Home Discount = applies.

In C,=20 Sections I and II, the company revised premium factors for = the Additional=20 Residence Premises - Rented to Others Endorsements, SH-9207 and=20 PH-9207.

These changes will result in an overall rate increase of = +5.2% or +$83,463 (1,065 = policyholders).

Companion forms (Item Key #251384) were approved = on=20 October 8, 2009.

Item Key:=20 251546
Date Submitted: 09/22/2009
GOVERNMENT EMPLOYEES = INSURANCE=20 COMPANY
GEICO GENERAL INSURANCE COMPANY
GEICO INDEMNITY = COMPANY
GEICO=20 CASUALTY COMPANY
19 - Private Passenger Automobile
PPA Symbol=20 Updates
Revision of Auto=20 Casualty Manuals by Replacement of Current 2007 and Later = Deviated Symbol Listings with the New Proposed 2007-2010 and Later = Deviated=20 Symbol Listings
#=20 of Policyholders: 0

Company=20 Reference: 2009-225
Requested Effective Dates - New: 10/29/2009=20 Renewal: 10/29/2009

The last adjustment = to this=20 program revised the Symbol and Identification Sections of the Auto = Casualty=20 Manuals for 2007 and later model year vehicles under state=20 tracking #238327. The overall rate impact resulting from the = filing=20 was an increase of +0.03% and was filed and approved under the = Prior=20 Approval provision effective 03/23/2009.

The referenced companies = are=20 submitting this filing to revise their Automobile Casualty Manuals=20 in the Symbol and Identification Sections. Currently, the = physical=20 damage rating symbols established by ISO are being utilized with certain = modifications. These modifications are currently on file as a = separate=20 listing referenced as "deviated symbols" by the companies. With = this=20 filing, the companies are proposing to place on file updated = "deviated=20 symbols" for 2007 and later model year vehicles.

The company = is not=20 proposing any change to the current rate level. The overall = estimated=20 premium impact resulting from this filing for Louisiana is = +0.03%.

Item Key: 251591
Date = Submitted: 09/23/2009
AMERICAN SOUTHERN HOME INSURANCE COMPANY
19 = -=20 Private Passenger Automobile
Revised Rate and Rule
Riders Choice Motorcycle = Program
Revisions=20 to Rates and Rules to Comply with the New Minimum Limits Requirement for = Compulsory Motor Vehicle Liability
Overall=20 % Impact: +3.9%Overall=20 $ Impact: $31,432#=20 of Policyholders: 1168

Company=20 Reference: 20090903-03
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

To be=20 provided

Item Key:=20 251729
Date Submitted: 09/25/2009
GENERAL INSURANCE COMPANY = OF=20 AMERICA
19 - Private Passenger Automobile
Revised Rate and=20 Rule
Revisions to Rates and Rules to Comply with the New Minimum = Limits=20 Requirement for Compulsory Motor Vehicle Liability
Overall=20 % Impact: +1.30%Overall=20 $ Impact: $247,386#=20 of Policyholders: 15866

Company=20 Reference: PL-09-20072
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

The last approved rate adjustment for this program resulted in an = overall=20 impact of +0.0% and was filed under the Prior Approval provision state = tracking=20 #246259 effective 09/03/2009 for new business and 10/08/2009 for renewal = business.

The overall rate impact resulting from this filing is = an=20 increase of +1.3% or $247,386 with 15,866 policyholders = affected.

With=20 this filing, the referenced company is making the following changes to = comply=20 with the new minimum limits requirement for the compulsory Motor Vehicle = Liability:

The 10/20 limit for BI and UMBI coverages is being = eliminated.=20
The 15/30 BI and UMBI limit factors are being increased to = reflect=20 the higher frequency of minimum limits policies.=20
Existing business with the 15/30 BI and UMBI limit = will increase=20 slightly; however, there will be no change for business within = other=20 limit options.=20
The 25K PD and 1,000 MP base rate adjustments will = result in a=20 slight increase for these coverages and limits. Relativities for = higher=20 limits for PD and MP coverages have been lowered, resulting in = unaffected=20 rates for this compliance update.=20
A new limit of 25K for UMPD coverage has been introduced. = The UMPD=20 policy premium will be increased by the same percentage as the = increase from=20 the former 10K PD premium to the new 25K PD minimum limit=20 premium.

Item Key:=20 251763
Date Submitted: 09/28/2009
UNITED FIRE AND CASUALTY=20 COMPANY
UNITED FIRE & INDEMNITY COMPANY
19 - Commercial=20 Automobile
Loss Cost Adoption
Commercial Auto
Loss Cost Adoption of ISO Filing = Reference #'s:=20 CA-2009-BRLA1 & CA-2008-IALL1
Overall=20 % Impact: +3.1%Overall=20 $ Impact: $361,710#=20 of Policyholders: 1363

Company=20 Reference: CA-LA-01012010-RA-RU-X
Requested Effective Dates - New: = 01/01/2010=20      Renewal: 01/01/2010

With this filing, = the=20 companies are proposing the replacement of Lafayette Insurance Company = with=20 United Fire & Indemnity Company.

The companies = will use=20 the the following designations:

CA-2009-BRLA1 approved for ISO = under=20 state tracking # 245661 effective 12/1/09.
CA-2008-IALL1 approved for = ISO=20 under state tracking # 233580 effective 2/1/09.

Class Plan: =
CA-2005-=20 RCP1approved for ISO under state tracking # 20729 effective = 2/1/06.

Rules=20 :
CA-2005-ORU01 Amendment 1 and Supplement approved for ISO under = state=20 tracking #21235 effective 4/1/06.
CA-2005-OUR01 Amendment 2 and = Supplement=20 approved for ISO under state tracking # 25444 effective=20 8/1/07.
CA-2005-ORU01 Amendment 3 and Supplement approved for ISO = under state=20 tracking # 25660 effective 8/1/07.

Increased = Limits:
CA-2008-IALL1=20 approved for ISO under state tracking # 233580 effective = 2/1/09.

The=20 companies intend to use the following Loss Costs Multipliers = (LCM's) with=20 the Loss Costs under CA-2009-BRLA1:

United Fire & = Indemnity=20 Company

Rule 23. Trucks, Tractors and=20 Trailers
Territory      = ;            =             L= CM
3,5,12,14,20       &nbs= p;            = ;     1.29
4     &nb= sp;           &nbs= p;            = ;            = 1.23
6,11         &= nbsp;           &n= bsp;           &nb= sp;    1.34
7      &= nbsp;           &n= bsp;           &nb= sp;           &nbs= p;1.05
= 13        =             &= nbsp;           &n= bsp;        1.18
18,=20 21            = ;            =            1.1019           &nbs= p;            = ;            =      1.16

Rule=20 23. Medical Payments for Truck Types
All=20 territories          &n= bsp;           &nb= sp;  2.27

Rule=20 23. Truck, Tractor & Trailers Physical Damage
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;   1.79
Collision      = ;            =             &= nbsp; 1.91

Rule=20 32. Private passenger Types - Liability
Territory
3, 4, = 6,=20 11            = ;            =      1.25
5,=20 12 13, 14, 18, 19, = 20        1.60
7,=20 21            = ;            =             &= nbsp;1.41

Rule=20 32. Medical Payments for PPT's
All=20 Territories          &n= bsp;           &nb= sp; 1.77

Rule=20 32. Private Passenger Types - Physical Damage
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;  2.37
Collision       = ;            =             2= .13

Rule=20 49./52. Garage Dealers
All=20 Territories
Liability        &= nbsp;           &n= bsp;           1.3= 1
Service Liability       &nbs= p;            = ;1.24

Rule=20 49. Garage Dealers Physical Damage
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;  1.32
Collision       = ;            =             1= .32

Rule=20 55. Garage-keepers Liability
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;  1.43
Collision       = ;            =             1= .65           &nbs= p;            = ;

Rule=20 97. Uninsured Motorist & Underinsured Motorists
All=20 Territories
Truck=20 Types           &n= bsp;           &nb= sp;1.86
Garage         &n= bsp;           &nb= sp;          1.86
PP= Ts            = ;            =            1.43
All=20 Other Rules/Types Including Zone Rating and Minimum Premiums from the=20 CLM
Other
UM/UIM       =             &= nbsp;        2.01
All=20 Other           &n= bsp;           &nb= sp;    =20 1.61           &nb= sp;

United Fire & Casualty Company

Rule = 23. Trucks,=20 Tractors and=20 Trailers
Territory        &nbs= p;            = ;         LCM
3,= 5,12,14,20          &nb= sp;           &nbs= p;  1.09
4        &n= bsp;           &nb= sp;           &nbs= p;          1.04
6,1= 1            =             &= nbsp;           &n= bsp; 1.13
7         =             &= nbsp;           &n= bsp;         0.89
= 13        =             &= nbsp;           &n= bsp;        1.00
18,=20 21            = ;            =            0.9319           &nbs= p;            = ;            =      0.98

Rule=20 23. Medical Payments for Truck Types
All=20 territories          &n= bsp;           &nb= sp;  1.92

Rule=20 23. Truck, Tractor & Trailers Physical Damage
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;   1.51
Collision      = ;            =             &= nbsp; 1.61

Rule=20 32. Private passenger Types - Liability
Territory
3, 4, = 6,=20 11            = ;            =      1.06
5,=20 12 13, 14, 18, 19, = 20        1.35
7,=20 21            = ;            =             &= nbsp;1.19

Rule=20 32. Medical Payments for PPT's
All=20 Territories          &n= bsp;           &nb= sp; 1.50

Rule=20 32. Private Passenger Types - Physical Damage
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;  2.00
Collision       = ;            =             1= .80

Rule=20 49./52. Garage Dealers
All=20 Territories
Liability        &= nbsp;           &n= bsp;           1.1= 1
Service Liability       &nbs= p;            = ;1.05

Rule=20 49. Garage Dealers Physical Damage
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;  1.12
Collision       = ;            =             1= .12

Rule=20 55. Garage-keepers Liability
All=20 Territories
OTC         &= nbsp;           &n= bsp;           &nb= sp;  1.21
Collision       = ;            =             1= .39           &nbs= p;            = ;

Rule=20 97. Uninsured Motorist & Underinsured Motorists
All=20 Territories
Truck=20 Types           &n= bsp;           &nb= sp;1.57
Garage         &n= bsp;           &nb= sp;          1.57
PP= Ts            = ;            =            1.21
All=20 Other Rules/Types Including Zone Rating and Minimum Premiums from the=20 CLM
Other
UM/UIM       =             &= nbsp;        1.70
All=20 Other           &n= bsp;           &nb= sp;    =20 1.36 =20
The filing includes a schedule rating=20 plan.

The rate impact of this filing is +1.50% for Liability = lines for=20 Lafayette (United Fire & Indemnity Company) and +5.10% for Physical = Damage=20 or +2.00% overall. For United Fire & Casualty Company, the = combined=20 company impact is +2.2% for Liability and +4.80% for Physical Damage or = +2.6%=20 overall. These numbers are based upon re-rating 897 policies for = Lafayette=20 as United Fire & Indemnity Company and 219 policies for United Fire = &=20 Casualty Company.

The overall rate impact associated with this = filing is=20 +3.1% or $361,710 affecting 1363 = policyholders.

Item Key: 251886
Date = Submitted: 09/30/2009
ALLSTATE INSURANCE COMPANY
4 - = Homeowners
Revised=20 Rate and Rule
Homeowners Program
In response to House Bill 333 - = Act 134 -=20 Annual Deductible Limitation
Overall=20 % Impact: +1.8%Overall=20 $ Impact: $1,625,020#=20 of Policyholders: 72040

Company=20 Reference: R21755_HO
Requested Effective Dates - New: 01/14/2010=20 Renewal: 01/14/2010

The last adjustment = to this=20 program was approved in September 2009 (Item Key #250826) and resulted = in an=20 overall rate increase of +0.003% effective December 3, 2009.

With = this=20 filing, the company proposes to revise its hurricane deductible factors = for=20 the Homeowners Program.

In response to House Bill No. 333 - = Act No.=20 134, Allstate is replacing the current per occurrence hurricane = deductible with=20 a seasonal hurricane deductible. Because the seasonal nature of = the=20 hurricane deductible will provide more coverage than the current per = occurrence=20 nature, Allstate is proposing revisions to the hurricane deductible = factors to=20 reflect this increased coverage.

In addition, a minor rule = clarification=20 is being made with this filing. On Rule 19 - Windstorm or Hail = Exclusion=20 Endorsement (Page 18), the company replaced reference to Louisiana Joint = Reinsurance Plan and Louisiana Insurance Underwriting Plan with = reference to=20 Louisiana Citizens Property Insurance Corporation.

These changes = will=20 result in an overall rate increase of +1.8% or=20 +$1,625,020 (72,040 = policyholders).

Companion=20 forms (Item Key #250791) were still pending as of October 27, = 2009.

Item Key: 251899
Date = Submitted: 10/01/2009
ALLSTATE INSURANCE COMPANY
4 - = Homeowners
Revised=20 Rate and Rule
Renters Program
In response to House Bill 333 - Act = 134 -=20 Annual Deductible Limitation
Overall=20 % Impact: +0.4%Overall=20 $ Impact: $4,746#=20 of Policyholders: 1430

Company=20 Reference: R21755_REN
Requested Effective Dates - New: 01/14/2010=20 Renewal: 01/14/2010

The last adjustment = to this=20 program met requirements under the Flexible Rating Provision (Item Key = #23560)=20 and resulted in an overall rate increase of +2.2% effective July 20,=20 2006.

With this filing, the company proposes to revise its = hurricane=20 deductible factors for the Homeowners Program.

In response = to House=20 Bill No. 333 - Act No. 134, Allstate is replacing the current per = occurrence=20 hurricane deductible with a seasonal hurricane deductible. Because = the=20 seasonal nature of the hurricane deductible will provide more coverage = than the=20 current per occurrence nature, Allstate is proposing revisions to the = hurricane=20 deductible factors to reflect this increased coverage.

In = addition, a=20 minor rule clarification is being made with this filing. On Rule = 19 -=20 Windstorm or Hail Exclusion Endorsement (Page 18), the company replaced=20 reference to Louisiana Joint Reinsurance Plan and Louisiana Insurance=20 Underwriting Plan with reference to Louisiana Citizens Property = Insurance=20 Corporation.

These changes will result in an overall rate = increase of=20 +0.4% or +$4,746 (1,430=20 policyholders).

Companion forms (Item Key #250790) were still = pending as=20 of October 27, 2009.

Item=20 Key: 251901
Date Submitted: 10/01/2009
ALLSTATE INSURANCE=20 COMPANY
4 - Homeowners
Revised Rate and Rule
Condominium = Program
In=20 response to House Bill 333 - Act 134 - Annual Deductible Limitation
Overall=20 % Impact: +1.1%Overall=20 $ Impact: $7,308#=20 of Policyholders: 1002

Company=20 Reference: R21755_CON
Requested Effective Dates - New: 01/14/2010=20 Renewal: 01/14/2010

The last adjustment = to this=20 program was approved in June 2006 (Item Key #23559 - Item No.: 2a) = and=20 resulted in an overall rate increase of +24.9% (amended from +47.2%) = effective=20 November 16, 2006.

With this filing, the company proposes to = revise its=20 hurricane deductible factors for the Condominium Program.

In = response to House Bill No. 333 - Act No. 134, Allstate is replacing the = current=20 per occurrence hurricane deductible with a seasonal hurricane = deductible. =20 Because the seasonal nature of the hurricane deductible will provide = more=20 coverage than the current per occurrence nature, Allstate is proposing = revisions=20 to the hurricane deductible factors to reflect this increased=20 coverage.

In addition, a minor rule clarification is being made = with this=20 filing. On Rule 19 - Windstorm or Hail Exclusion Endorsement (Page = 18),=20 the company replaced reference to Louisiana Joint Reinsurance Plan and = Louisiana=20 Insurance Underwriting Plan with reference to Louisiana Citizens = Property=20 Insurance Corporation.

These changes will result in an overall = rate=20 increase of +1.1% or = +$7,308=20 (1,002 policyholders).

Companion forms (Item Key #250802) were = still=20 pending as of October 27, 2009.

Item Key: 251925
Date = Submitted: 10/01/2009
ALLSTATE INDEMNITY COMPANY
4 - = Homeowners
Revised=20 Rate and Rule
Homeowners Program
In response to House Bill 333 - = Act 134 -=20 Annual Deductible Limitation
Overall=20 % Impact: +1.1%Overall=20 $ Impact: $1,012,261#=20 of Policyholders: 41651

Company=20 Reference: R21756_HO
Requested Effective Dates - New: 01/14/2010=20 Renewal: 01/14/2010

The last adjustment = to this=20 program was approved in September 2009 (Item Key #250848) and resulted = in an=20 overall rate increase of +0.5% effective December 3, 2009.

With = this=20 filing, the company proposes to revise its hurricane deductible factors = for=20 the Homeowners Program.

In response to House Bill No. 333 - = Act No.=20 134, Allstate is replacing the current per occurrence hurricane = deductible with=20 a seasonal hurricane deductible. Because the seasonal nature of = the=20 hurricane deductible will provide more coverage than the current per = occurrence=20 nature, Allstate is proposing revisions to the hurricane deductible = factors to=20 reflect this increased coverage.

In addition, minor rule=20 clarifications are being made with this filing. On Rule 17 - Home = and Auto=20 Discount (Page IH17-1), the company removed "in the state of Louisiana" = from the=20 first criteria. This is a clerical change to clarify that = policyholders=20 who have an Allstate Insurance Company or Allstate Property and Casualty = Insurance Company standard auto policy in another state qualify for this = discount. On Rule 18 - Windstorm or Hail Exclusion Endorsement = (Page=20 IH18-1), the company replaced reference to Louisiana Joint Reinsurance = Plan and=20 Louisiana Insurance Underwriting Plan with reference to Louisiana = Citizens=20 Property Insurance Corporation. On Rule 25 - Claim Rating (Page = IH25-4),=20 the company revised typographical error in grid for Rating Group 6F for = "0 Group=20 A Claims and 1 Group C Claim" and "0 Group A Claims, 1 Group C = Claim, 1=20 Group B Claim". The correct factor has been applied to = all=20 policies, so this is purely a clerical correction. = On Rule 26 -=20 Claim Free Discount (Page IH26-1), the company replaced reference = to=20 Louisiana Fair Plan with reference to Louisiana Citizens Property = Insurance=20 Corporation.

These changes will result in an overall rate = increase=20 of +1.1% or +$1,012,261 = (41,651=20 policyholders).

Companion forms (Item Key #250770) were still = pending as=20 of October 27, 2009.

Item=20 Key: 251940
Date Submitted: 10/01/2009
ALLSTATE INDEMNITY=20 COMPANY
4 - Homeowners
Revised Rate and Rule
Renters = Program
In=20 response to House Bill 333 - Act 134 - Annual Deductible Limitation
Overall=20 % Impact: +0.3%Overall=20 $ Impact: $1,670#=20 of Policyholders: 379

Requested=20 Effective Dates - New: 01/14/2010 Renewal:=20 01/14/2010

The last adjustment to this program met requirements = under the=20 Flexible Rating Provision (Item Key #23275) and resulted in an overall = rate=20 increase of +3.2% effective June 1, 2006.

With this filing, the = company=20 proposes to revise its hurricane deductible factors for = the Homeowners=20 Program.

In response to House Bill No. 333 - Act No. 134, = Allstate is=20 replacing the current per occurrence hurricane deductible with a = seasonal=20 hurricane deductible. Because the seasonal nature of the hurricane = deductible will provide more coverage than the current per occurrence = nature,=20 Allstate is proposing revisions to the hurricane deductible factors to = reflect=20 this increased coverage.

In addition, minor rule = clarifications are=20 being made with this filing. On Rule 17 - Home and Auto Discount = (Page=20 IH17-1), the company removed "in the state of Louisiana" from the first=20 criteria. This is a clerical change to clarify that policyholders = who have=20 an Allstate Insurance Company or Allstate Property and Casualty = Insurance=20 Company standard auto policy in another state qualify for this = discount. =20 On Rule 18 - Windstorm or Hail Exclusion Endorsement (Page IH18-1), the = company=20 replaced reference to Louisiana Joint Reinsurance Plan and Louisiana = Insurance=20 Underwriting Plan with reference to Louisiana Citizens Property = Insurance=20 Corporation. On Rule 25 - Claim Rating (Page IH25-4), the company = revised=20 typographical error in grid for Rating Group 6F for "0 Group A Claims = and 1=20 Group C Claim" and "0 Group A Claims, 1 Group C Claim, 1 Group B=20 Claim". The correct factor has been applied to all = policies, so=20 this is purely a clerical correction. On Rule 26 - Claim = Free=20 Discount (Page IH26-1), the company replaced reference to Louisiana = Fair=20 Plan with reference to Louisiana Citizens Property Insurance=20 Corporation.

These changes will result in an overall rate = increase=20 of +0.3% or +$1,670 (379 = policyholders).

Companion forms (Item Key #250766) were still = pending as=20 of October 27, 2009.

Item=20 Key: 251981
Date Submitted: 10/02/2009
PERMANENT GENERAL = ASSURANCE=20 CORPORATION
19 - Private Passenger Automobile
Revised Rate and=20 Rule
Nonstandard Auto=20 Program
Revisions to Rates and Rules to Comply with the New Minimum = Limits=20 Requirement for Compulsory Motor Vehicle Liability; Miscellaneous = Revisions to=20 Rules 7, 42 and the ILF page
Overall=20 % Impact: -0.04%Overall=20 $ Impact: $-1,458#=20 of Policyholders: 2643

Company=20 Reference: 20100101 MIN LIMITS
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

The last approved rate adjustment for this program resulted in an = increase of=20 +4.0% and was filed under the Prior Approval provision state tracking = #241765=20 effective 03/17/09 for new business and 04/21/09 for renewal=20 business.

The overall impact resulting from this filing is a = decrease of=20 -0.04% or -$1,458 with 2,643 policyholders affected.

With this = filing,=20 the referenced company is proposing the following changes to its rates = and=20 rules:

1) Amending Rule 38, Coverage Limit Options, to comply = with the=20 new compulsory Motor Vehicle Liability limits:

Addition of 15/30 limit option for Bodily Injury (BI) and = Uninsured=20 Motorist Bodily Injury (UMBI) Liability=20
Addition of 25K limit for Uninsured Motorist = Property=20 Damage (UMPD) Liability=20
Deletion of BI/PD and UMBI/UMPD split limit options = below 15/30/25=20

2) Amending Rule 7, Fees, Item 8, to increase the = telephone=20 payment fee amount from $3 to $5
3) Amending Rule 42, = Reinstatement=20 Guidelines, Item 3, to increase the number of days=20 for reinstatement from 30 to 60
4) Amending Rule 42, = Reinstatement=20 Guidelines, Items 3 & 4, to state that payment of the full amount = due is a=20 requirement for reinstatement.
4) Adding a note = to the ILF=20 page stating that limits below 10/15/25 for BI/PD &=20 UMBI/UMPD will not be available after 01/01/2010.

Item Key: 252026
Date = Submitted: 10/05/2009
AMERICAN SOUTHERN HOME INSURANCE COMPANY
1 - = Property
Revised Rate and Rule
Personal Vehicle (Other Personal Vehicle)
Revision of = the Elite=20 Collector Auto Program/Compulsory Financial Responsibility=20 Limits
Overall=20 % Impact: .21%Overall=20 $ Impact: $269#=20 of Policyholders: 227

Company=20 Reference: 20090924-07
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

The above captioned = company=20 is filing revised rates and rules for its Elite Collector Automobile = Program for=20 use with the Other Personal Vehicle Program.

The company is = revising its=20 current filing to increase the minimum limits of the Single Limits = Liability,=20 Underinsured Motorist Coverage which includes Underinsured Motorists = coverage,=20 Economic Uninsured Motorists Coverage and Property Damage Uninsured = Motorist=20 Coverage and Property Damage Uninsured Motorists coverages.

The = rate=20 changes are based on the increased exposure due to higher limits. = The=20 changes are:

Combined Single Limit Liability Coverage - from $30,000 to = $55,000=20 (83%)=20
Uninsured Motorist/Bodily Injury - $20,000 to $30,000=20 (50%)=20
Uninsured Motorist Property Damage - $10,000 to $25,000=20 (150%)

These changes result in an overall rate increase of=20 +.21% or +$269 (227=20 policyholders).

Companion forms (Item Key #252156) were approved November 4,=20 2009.

Item = Key:=20 252043
Date Submitted: 10/06/2009
Unitrin Auto and Home = Insurance=20 Company
UNITRIN PREFERRED INSURANCE COMPANY
19 - Private Passenger = Automobile
Revised Rate and Rule
Revisions to Rates to Comply with the New Increased Minimum = [Financial Responsibility] Limits Requirement for Compulsory Motor = Vehicle=20 Liability; Shift in Base Model Year for Model/Symbol Relativities for=20 Comprehensive and Collision Coverages
Overall=20 % Impact: +0.10%Overall=20 $ Impact: $17,336#=20 of Policyholders: 7492

Company=20 Reference: RAA17750
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

The last approved = rate=20 adjustment for this filing resulted in an increase of +3.7% and was = filed under=20 the Prior Approval provision state tracking #244598 effective=20 01/01/2010.

The overall rate impact resulting from this filing is = an=20 increase of +0.10% or +$17,336 with 7,492 policyholders = affected.

With=20 this filing, the referenced companies are proposing changes to comply = with=20 the the new increased minimum [Financial Responsibility] = limits=20 requirement for compulsory Motor Vehicle Liability. Additionally, = the base=20 model years for Comprehensive and Collision coverages are = being=20 shifted for maintenance purposes.

Revisions are as = follows:

The Single Limit Uninsured/Underinsured = Motorist=20 coverage increased limit factors are being adjusted to reflect the new = company=20 base limit of $75,000. The current base limit is $20,000.=20
The Single Limit = Uninsured/Underinsured=20 Motorist coverage base rates are being adjusted to reflect the change = in=20 increased limit from $20,000 to $75,000.=20
The Split Limit = Uninsured/Underinsured=20 Motorist coverage increased limit factors are being adjusted to = reflect the=20 new split base limit of $15,000 per person / $30,000 per occurrence. = The=20 current split base limit is $10,000 per person / $20,000 per=20 occurrence.=20
The Split Limit = Uninsured/Underinsured=20 Motorist coverage base rates are being adjusted to reflect the change = in=20 increased limit from 10/20 to 15/30.=20
Uninsured Motorist Property = Damage=20 coverage (UMPD) base rates are being adjusted to reflect the change in = limit=20 from $10,000 to $25,000. Due to time constraints a review of rate = adequacy=20 will not be attempted; thus the base rate is being increased by a $1 = nominal=20 amount uniformly across all territories. The all-territory rate is = changing=20 from $12 to $13 to reflect the change in limit for Unitrin Auto and = Home=20 Insurance Company (UAH). The all-territory rate is changing from $10 = to $11 to=20 reflect the change in limit for Unitrin Preferred Insurance Company=20 (UPIC).=20
The Comprehensive and = Collision base=20 model years are being shifted in UPIC (i.e. in the Model/Symbol = relativities)=20 from 2006 to 2008 and in UAH, the base model year is being shifted = from 2008=20 to 2009. Correspondingly, the Collision base rates for both companies = are=20 being revised to wholly offset (i.e. make revenue neutral) the effects = of=20 shifting the base model year. This change is not directly related to = the=20 change in financial responsibility but is being made for maintenance=20 purposes.

Item Key: 252114
Date = Submitted: 10/07/2009
Amica Mutual Insurance Company
4 -=20 Homeowners
Revised Rate and Rule
Homeowners Program
Overall=20 % Impact: +6.0%Overall=20 $ Impact: $90,495#=20 of Policyholders: 1063

Company=20 Reference: LA-H-09-4-RBP
Requested Effective Dates - New: 04/01/2010=20 Renewal: 04/01/2010

The last adjustment = to this=20 program was approved in August 2008 (Item Key #233755) and resulted in = an=20 overall rate increase of +8.6% to be effective December 1, 2008 for both = new and=20 renewal business.

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

Coverage Base=20 Rate Change Dwelling +6.0% Tenants +6.0% Condominiums +6.0%
Along=20 with the base rate change, the company proposes the following:

Implement a Rating by Peril rating system and a consolidated = manual.=20
Implement credit model (previously approved - Item Key #250885).=20
Numerous rules are being revised, including discount factor = revisions,=20 titles added to rules, but mostly editorial changes.

These changes will result in an overall rate increase of=20 +6.0% or +$90,495 (1,063 = policyholders).

Item=20 Key: 252139
Date Submitted: 10/07/2009
CONTINENTAL CASUALTY = COMPANY
11 - Medical Malpractice
Initial Rate and Rule
Chiropractic Benefit Services Risk Purchasing Group = Professional=20 Liability Program
Inclusive Schedule Rating=20 Plan
#=20 of Policyholders: 0

Company=20 Reference: 09-00023-R
Requested Effective Dates - New: 12/01/2009=20 Renewal: 12/01/2009

The referenced = company, with=20 this filing, submits its new Chiropractic Professional = Liability=20 Program. This program has been developed to provide coverage to = members of=20 the Chiropractic Benefit Services Risk Purchasing Group. The master = policy is=20 issued to the captioned Risk Purchasing Group and Certificates of = Insurance are=20 then issued to each individual insured. This program provides = professional=20 liability coverage for Chiropractors on a claims-made and reported=20 basis.

The minimum writing premium will be $200 and limits = of=20 liability begin at $100K/$300K with higher limits available to the=20 insured.

There is a Schedule Rating plan included in the filing = that=20 follows department guidelines.

The Medical Malpractice = questionnaire has=20 been included in the filing.

This program is similar in nature to = others=20 approved for like coverage.

The requested rate and/or rule = requires=20 approval of companion form(s).

Item Key: 252293
Date = Submitted: 10/12/2009
Tower Insurance Company Of New York
TOWER = NATIONAL=20 INSURANCE COMPANY
1 - Property
Initial Rate and Rule
Commercial Property (Fire and = Allied=20 Lines)
Initial Adoption of PIAL's rates and rules Filing = Designation=20 Numbers: LA-08-09=20 (CF-2008-RLA1), LA06-05 (CF-2005-RRU1) & LA06-07 (CF 2005-RLC1 & = Supplement - Louisiana)

Company Reference: 09-LA-4-CF-72
The above = captioned=20 companies wish to file initial rates and rules for use with their=20 Commercial Property Program.

The companies will utilize the = Property=20 Insurance Association of Louisiana's (PIAL) Filing Designation numbers = as=20 follows:

LA08-09=20 (CF-2008-RLA1) Item=20 Key=20 = #231391 = &= nbsp; &n= bsp; Rate LA06-05 Item=20 Key #23069 Rule LA06-07=20 (CF 2005-RLC1 & Supplement - Louisiana Item=20 Key #23059 Rule
The = companies are also introducing independent rules for several optional=20 endorsements. Also included are terrorism coverage and equipment = breakdown=20 coverage.

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

Companion forms (Item Key #252430) were still pending as = of=20 November 10, 2009.

Item Key:=20 252315
Date Submitted: 10/13/2009
Essentia Insurance = Company
19=20 - Private Passenger Automobile
Revised Rate and Rule
LA Classic Auto = Program
Revisions to Rates=20 and Rules to Comply with the New Compulsory Minimum Financial = Responsibility=20 Limits Requirement for Motor Vehicle Liability; Various Other Rule=20 Revisions/Corrections
#=20 of Policyholders: 0

Company=20 Reference: 2009-PA-LA-1411-CA
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

The initial rates and rules for this program were introduced under = the Prior=20 Approval provision state tracking #26569 effective = 11/01/2007.
Submitted=20 under company name American Central Insurance Company which was later = changed to=20 Essentia Insurance Company.

With this filing, the = referenced=20 company is proposing revisions to rates and rules to comply with the new = compulsory minimum financial responsibility Motor Vehicle Liability=20 limits. The LA Classic Auto Program includes antique, classic,=20 exotic or special interest vehicles.

Revisions are as follows:

Bodily Injury (BI) & Property Damage (PD) Liability - = Introducing=20 combined single limit options of 55K and 75K=20
Property Damage Liability - Deleting 10K limit option=20
Uninsured Motorist BI Liability - Introducing single limit of = 55K=20
Uninsured Motorist PD Liability - Deleting 10K limit option and = adding 25K=20 limit option with no change in premium=20
Rule 10.A. Uninsured Motorist Property Damage, Page 3 - = Deleting=20 reference to specific UMPD limit =20
Rule 10.D. Motor Vehicle Accident Prevention Course, Page 3 -=20 Amending rule to comply with statute R.S. 22:1457.B.=20
Rule 10.E. Mass Marketing Discount, Page 5 - Amending to = include the=20 amount of the discount and the list of eligible programs=20
Rule 12.F. Custom Features, Page 5 - Amending to reflect = specific=20 circumstance that would result in $10,000 limitation=20
Rule 12.M. Named Driver Exclusion, Page 7 - Deleting Item M.3. = regarding=20 notice to loss payee

The proposed corresponding rates (where applicable) were developed by = interpolating between current limits above and below those being=20 introduced / revised.

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

Item = Key:=20 252332
Date Submitted: 10/13/2009
Stonington Insurance = Company
5=20 - Commercial Multiple Peril
Loss Cost Adoption
Commercial = Multi-Peril
Commercial=20 Package
Food & Beverage Program
Adoption of ISO=20 Filing Designation Number GL-2008-RZPLC
Overall=20 % Impact: -4.0%Overall=20 $ Impact: $-30,070#=20 of Policyholders: 0

Company=20 Reference: SIC-CMP-RCA-ISO-LA-09-08
Requested Effective Dates - New:=20 04/01/2010 Renewal: 04/01/2010

The last=20 adjustment to this program was a -4.1% decrease effective April 1, 2009 = when the=20 company adopted ISO Filing Designation Number GL-2008-BGL1 (item Key #=20 243721).

Stonington Insurance Company now files to adopt ISO = Filing=20 Designation Number GL-2008-RZPLC (General Liability Basic Limits=20 Prospective Loss Costs Reflecting Zip Code Based Territory=20 Definitions) for use with its CMP Food and Beverage program.

It = will use=20 a multiplier of 1.36.

This will result in a = -4.0%=20 decrease, or $-30,070 affecting zero=20 policyholders.

Item Key:=20 252352
Date Submitted: 10/13/2009
Stonington Insurance = Company
5=20 - Commercial Multiple Peril
Loss Cost Adoption
Commercial Multi-Peril
Commercial=20 Package
General Risks Program
Adoption of ISO Filing Designation = Number=20 GL-2008-RZPLC
Overall=20 % Impact: -4.0%Overall=20 $ Impact: $-30,070#=20 of Policyholders: 0

Company=20 Reference: SIC-CMP-SG-ISO-LA-09-07
Requested Effective Dates - New:=20 04/01/2010 Renewal: 04/01/2010

The last adjustment to this program was a -4.1% decrease = effective=20 April 1, 2009 when the company adopted ISO Filing Designation Number=20 GL-2008-BGL1 (item Key # 243738).

Stonington Insurance Company = now files=20 to adopt ISO Filing Designation Number GL-2008-RZPLC (General Liability = Basic=20 Limits Prospective Loss Costs Reflecting Zip Code Based Territory = Definitions)=20 for use with its CMP General Risks program.

It will use a = multiplier of=20 1.80.

This will result in a -4.0% = decrease, or=20 $-30,070 affecting zero=20 policyholders.

Item=20 Key: 252417
Date Submitted: 10/15/2009
LOUISIANA FARM = BUREAU=20 CASUALTY INSURANCE COMPANY
LOUISIANA FARM BUREAU MUTUAL INSURANCE=20 COMPANY
SOUTHERN FARM BUREAU CASUALTY INSURANCE COMPANY
19 - = Private=20 Passenger Automobile
Revised Rate and Rule
Private Passenger = Automobile=20 Program
Recreational Vehicles Program
Hired/Non-Owned=20 Classifications
Revisions to Rates and Rules to Comply with the New = Minimum=20 (Financial Responsibility) Limit for Compulsory Motor Vehicle Uninsured = Motorist=20 Property Damage Liability
#=20 of Policyholders: 223911

Company=20 Reference: PPA-2009-03
With this filing, the referenced companies are = proposing to introduce an Uninsured Motorist Property Damage limit of = $25,000=20 along with a proposed corresponding rate for this limit. No = other=20 revisions being made to the rate structure at this time.

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

Item Key: 252436
Date = Submitted: 10/15/2009
AMERICAN ALTERNATIVE INSURANCE CORPORATION
1 = -=20 Property
Revised Rule only
Commercial Property (Fire and Allied Lines)
Revision of = rules for=20 Forestry Operations

Company Reference: CF LA0269101R02
Requested = Effective=20 Dates - New: 12/01/2009 Renewal: = 12/01/2009

The=20 above captioned company wishes to revise rules for Forestry Operations = for use=20 with its Commercial Property Program.

The purpose of this filing = is to=20 revise the rule pages that were previously filed in order to add = some=20 descriptive language in the "class" column. This clarification is=20 necessary for programming purposes due to systems constraints.

These Commercial Property rules will also be used for package = policies. =20 The company states, "Since we are affiliated with ISO for Commercial = Property=20 and Commercial Multi-Peril, ISO package modification factors would apply = to=20 package policies".

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

Item = Key:=20 252440
Date Submitted: 10/15/2009
Safe Auto Insurance = Company
19=20 - Private Passenger Automobile
Revised Rate and Rule
Revisions to = Rate and=20 Rules to Comply with the New Increased Minimum [Financial = Responsibility] Limits=20 Requirement for Compulsory Motor Vehicle Liability; Withdrawal of = Underwriting=20 Guidelines from Rating Rules
#=20 of Policyholders: 2765

Company=20 Reference: 3511
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

Safe Auto is a = direct writer=20 in the nonstandard personal auto market, focusing heavily on providing = insurance=20 to uninsured motorists. As such, the only limit of liability = coverage we=20 provide is the minimum required to meet the Financial Responsibility law = in each=20 state. With this filing, the company is amending its product to = comply=20 with new increased minimum [Financial Responsibility] limits requirement = for=20 compulsory Motor vehicle Liability.

Revisions are as follows:

Bodily Injury and Uninsured Motorist Bodily Injury are = being=20 increased from 10/20 to 15/30=20
Property Damage is being increased from 10K to 25K=20
Uninsured Motorist Property Damage ?????

Base rates are being adjusted by the expected increase in losses due = to the=20 change in the law and corresponding increase in premium taxes and=20 commission.

Other revisions not related to the state mandated = increased=20 minimum liability limits are as follows:

Withdrawal of Underwriting Guidelines which were incorporated with = the=20 Rating Rules=20
Withdrawal of forms included in this filing - to be filed under = separate=20 cover with the Forms Division

There is no rate impact associated with this filing.

Item Key: 252468
Date = Submitted: 10/16/2009
HORACE MANN INSURANCE COMPANY
TEACHERS = INSURANCE=20 COMPANY
HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY
19 - = Private=20 Passenger Automobile
PPA Symbol Updates
PPA Symbol Updates
Specified Models Through = December 17,=20 2009
#=20 of Policyholders: 0

Company=20 Reference: LA SYM 121709
Requested Effective Dates - New: 12/17/2009=20 Renewal: 12/17/2009

The last approved = PPA Symbol=20 Update was filed under the Prior Approval provision state tracking = #249486=20 effective 09/24/2009.

With this filing, the referenced companies = are=20 submitting proposed updated ISO vehicle symbol pages for model = years=20 2007-2009 through December 17, 2009.

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

Item Key:=20 252485
Date Submitted: 10/16/2009
GEICO INDEMNITY = COMPANY
19 -=20 Private Passenger Automobile
Revised Rate and Rule
Motorcycle Program
Revisions = to Rates and=20 Rules to Comply with New Increased Minimum [Financial Responsibility] = Limits=20 Requirement for Compulsory Motor Vehicle Liability
#=20 of Policyholders: 0

Company=20 Reference: 2009-261A
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

The last = approved rate=20 adjustment for this program resulted in an overall impact of +8.6% and = was filed=20 under the Prior Approval provision state tracking #239928 effective = 02/19/2009=20 for new business and 03/20/2009 for renewal business.

With this = filing,=20 the referenced company is proposing to adjust the base limits for = Bodily=20 Injury, Property Damage, Uninsured Motorist, Uninsured Motorist Bodily = Injury=20 with Economic Benefits (UMBIEC), and Uninsured Motorist Property Damage = to=20 comply with the new compulsory increased minimum liability=20 limits. Base rates have been increased for both = Preferred and=20 Standard groups to reflect the re-indexing of the increased limit=20 factors.

Specifically, the company is proposing = to revise the=20 current minimum limits of 10/20/10 to 15/30/25 for the = aforementioned=20 coverages to comply with the new state mandated minimum=20 limits.

Proposed Rule Changes:=20

Rule 10.B.2, Uninsured Motorist Property Damage (UMPD)=20 - The limit was amended from 10K to 25K.=20
Rule 14. Accident and Conviction Surcharge Plan, Item D.=20 Sub-Classifications - The Liability Factor for Sub-Class 9 (Mature = Driver)=20 with 0 points was amended from .80 to .90.=20
Other editorial revisions have been made.

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

Item Key: 252496
Date = Submitted: 10/16/2009
Plaza Insurance Company
19 - Commercial=20 Automobile
Loss Cost Adoption
Commercial Automobile
Loss Cost = Adoption=20 of ISO Designation Numbers: CA-2009-BRLA1 and CA-2006-RZRLC
Overall=20 % Impact: 0Overall=20 $ Impact: $0#=20 of Policyholders: 0

Company=20 Reference: PLZ-CA-09
Requested Effective Dates - New: 12/01/2009=20 Renewal: 12/01/2009

The last adjustment = to this=20 program was the initial filing approved under state tracking # 243537 = effective=20 3/24/09.

With this filing, the company is proposing to adopt = Insurance=20 Services Office, Inc. (ISO) designation # CA-2009-BRLA1 approved for ISO = under=20 state tracking # 254661 effective 12/1/09 and # CA-2006-RZRLC approved = for ISO=20 under state tracking # 25031 effective 4/1/07.

For its Commercial = Automobile program, Plaza is adopting the curent ISO Commercial = Automobile rules=20 and rating plans.

Loss = Costs
CA-2009-BRLA1=20 approved for ISO under state tracking # 245661 effective=20 12/1/09
CA-2006-RZRLC approved for ISO under state tracking # 25031 = effective=20 4/1/07
CA-2005-RLC1 approved for ISO under state tracking # 21773 = effective=20 8/4/05

Rules
CA-2009-RRU1 approved for = ISO=20 under state tracking # 244596 effective 10/1/9
CA-2008-ORU1 approved = for ISO=20 under state tracking # 239465 effective 6/1/09
CA-2008-IALL1 approved = for ISO=20 under state tracking # 233580 effective 2/1/09
CA-2005-ORU01 approved = for ISO=20 (amendments # 1, 2 and 3) under state tracking # 21235 effective 4/1/06; = # 25444=20 effective 8/1/074 and # 25660 effective 8/1/07
CA-2005-RCP1 approved = for ISO=20 under state tracking # 20729 effective 4/1/06
CA-2005-RRU1 approved = for ISO=20 under state tracking # 20995 effective 11/1/05
CA-2004-RTIPR approved = for ISO=20 under state tracking # 17815 effective 8/18/04

Rating=20 Plans
RP-2007-RAL07 approved for ISO under state = tracking #=20 223259 effective 4/1/08
RP-2007-RPD07 approved for ISO under state = tracking #=20 223253 effective 4/1/08
RP-2006-RCR06 approved for ISO under state = tracking #=20 24870 effective 4/1/07
RP-2006-RRP06 approved for ISO under = state=20 tracking # 24871 effective 4/1/07

Plaza's rates will be the = combination of ISO's loss costs and loss cost multipliers of 1.421 for = Auto=20 Liability and 1.499 for Auto Physical Damage. In addition, an = exception=20 page has been provided to display the rating plan ELR's for the = Composite,=20 Retrospective and Experience and Schedule Rating Plans filed on behalf = of Plaza=20 by ISO.

There is no rate impact associated with this = filing.

Item Key: 252499
Date = Submitted: 10/16/2009
ALLSTATE INDEMNITY COMPANY
19 - Private = Passenger=20 Automobile
Revised Rule only
Recreational Vehicle Program - Motor Homes
Clarification = of Rule=20 11. Driver Classification and Rule 32. Preferred Auto = Discount
#=20 of Policyholders: 0

Company=20 Reference: R21803
Requested Effective Dates - New: 12/21/2009=20 Renewal: 01/20/2010

With this filing, = the=20 referenced company is proposing the following rule=20 clarifications:

1) Rule 32 on page = 16 - Preferred=20 Auto Discount: The named insured or spouse must also be a named = insured on=20 a private passenger automobile policy with a qualifying = company. =20 Allstate Property and Casualty Insurance Company has been added as a = qualifying=20 company.
2) Rule 11 on page 6 - Notes: Item=20 2. Operator Assignment: The rule has been updated to = include the=20 rating of a vehicle when there are more motor homes on the = policy than=20 operators (added as Item c).

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

Item Key:=20 252519
Date Submitted: 10/19/2009
IMPERIAL FIRE AND = CASUALTY=20 INSURANCE COMPANY
19 - Private Passenger Automobile
Revised Rate=20 only
Classic Program
Revisions to Rates and Rules to Comply with = New=20 Minimum [Financial Responsibility] Limits Requirement for Compulsory = Motor=20 Vehicle Liability
#=20 of Policyholders: 26408

Company=20 Reference: A-IFACLA20100101-LAC-R
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

The last approved = rate=20 adjustment to this program resulted in an overall rate increase of = +3.85% and=20 was filed under the Prior Approval provision state tracking #234450=20 effective 09/17/2008 for new business and 10/17/2008 for = renewal=20 business.

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

With this filing, the referenced company is proposing = changes in=20 response to the regulatory mandate to increase minimum [Financial=20 Responsibility] liability limits. The filing includes factors for = new=20 minimum limits and changes to increased limit factors.

Revisions = are as=20 follows:

Bodily Injury and Uninsured Motorist Bodily Injury - Proposed = adjustments=20 to increased limit factors=20
Property Damage Liability - Proposed adjustment for 25K = increased=20 limit factor=20
Uninsured Motorist Property Damage - Introduction of 25K limit = option with=20 corresponding factor for this limit

Item Key: 252530
Date = Submitted: 10/19/2009
American Association of Insurance Services
3 = -=20 Farmowners
Revised Rule only
AAIS Farmowners Program
In = response to=20 House Bill 333 - Act 134 - Annual Deductible Limitation

Company Reference: AAIS-2009-93
The American = Association of Insurance Services (AAIS) wishes to file rule revisions = for use=20 with its Farmowners Program.

In response to House Bill 333 - Act = No. 134,=20 AAIS proposes the following changes:

Revised Rule 5.3, Higher = Windstorm=20 or Hail Deductibles, now indicates that when loss caused by windstorm or = hail=20 occurs during a named storm or a hurricane, the windstorm or hail = deductible=20 applies on an annual basis to all such covered loss that occurs during a = calendar year. If there is more than one such loss during a = calendar year,=20 the deductible that applies for the second and all subsequent named = storm or=20 hurricane losses will be the remaining amount of the windstorm or hail=20 deductible or the deductible amount that applies to loss caused by fire, = whichever is greater. Windstorm or hail loss not caused by a named = storm=20 or hurricane continues to apply on a per occurrence basis. The = flat and=20 percentage factors for this rule have been increased by 2% due to the = greater=20 coverage provided.

Supporting changes have been made to Rule 5,=20 Deductibles, and Rule 5.2, Split Deductible Amounts, regarding the = application=20 of a deductible on a per occurrence basis (except as described under = Rule 5.3)=20 and the permissible windstorm or hail deductible amount when split = deductible=20 amounts apply.

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

Companion forms (Item Key #252083) were still pending as = of=20 November 16, 2009.

Item Key:=20 252535
Date Submitted: 10/19/2009
LUMBERMEN'S UNDERWRITING=20 ALLIANCE
1 - Property
Revised Rate and Rule
Commercial Property (Fire and = Allied=20 Lines)
Revision of Rates and Rules for Commercial Property Rating=20 Program
Overall=20 % Impact: -3.9%Overall=20 $ Impact: $-27,712#=20 of Policyholders: 35

Company=20 Reference: 2009-76-CP-R
Requested Effective Dates - New: 01/01/2010=20 Renewal: 01/01/2010

The above captioned = company=20 wishes to file revised rates and rules for its Commercial Property=20 Program.

The last adjustment to this program occurred June 2005 = (Item Key=20 #21402) which resulted in an overall rate decreased of -9.90% with an = effective=20 date of August 1, 2005.

The purpose of this filing is this = revision=20 seeks several primary objectives:

To facilitate the offer of the following new=20 coverages/endorsements:

Preferred Partner endorsement (available on policies with = premium equal=20 to or greater than $100,000);=20
Preferred Care endorsement (applicable to assisted living = facilities);=20
Time Element Blanket Endorsement;=20
Manufactured Housing Delivery and Set Up Endorsement;=20
Earthquake Endorsement;=20
Unnamed Locations - Named Storm Deductibles;=20
Unnamed Locations - Windstorm or Hail Deductible;=20
Named Storm Exclusion;=20
Named Storm Deductible;=20
Named Storm Stop Loss Endorsement;=20
Stop Loss Endorsement;=20
Windstorm or Hail Stop Loss Endorsement;=20
Utility Services - Direct Damage; and=20
Utility Services - Indirect Damage.

    2.    To replace the = current=20 Equipment Breakdown Coverage Form rules with revised rules that reflect = the=20 change in=20 their
          &nbs= p;Equipment Breakdown=20 reinsurer from Hartford Steam Boiler to Mutual Boiler Re. This = includes a=20 change from=20 loss
          = ; costs=20 to rates.

    3.    To = withdraw=20 the Commercial Crime Coverage Part as a separate=20 coverage.

    4.    To = include=20 rules and rating guidelines for the following new coverages offered = under the=20 Building and Personal=20 Property
          &= nbsp;coverage=20 Form, the new Preferred Partner endorsement and Preferred Care=20 endorsement:

Brands and Labels Expense;=20
Fire Extinguishing Systems Expense;=20
Inventory and Appraisal Fees;=20
Expediting Expense;=20
Fine Arts;=20
Employee Theft;=20
Forgery or Alteration;=20
Money and Securities;=20
Margin Clause;=20
Professional Fees;=20
Consequential Loss;=20
Utility Services;=20
Rental Reimbursement;=20
Patient and Tenant Relocation Expense;=20
Emergency Vacating Expense;=20
Paving and Roadways;=20
Contest Prizes;=20
Locks and Keys; and=20
Soft Costs.

    5.    Includes rules to=20 facilitate the offering of Legal Liability Coverage, Mortgage Holder's = Errors=20 and Omissions Coverage=20 and
          = Ordinance=20 or Law = Coverage.

    6.    The=20 expense, profits and contingency experience that is used to calculate = the Loss=20 Cost Multiplier (LCM) has been=20 updated.
          &= nbsp;The=20 LCM for Facultative Reinsurance is the same calculation as the LCM, but = since=20 there is no underwriting exposure for=20 LUA,
           = ;General=20 Expenses and U/W Profit and Contingency are not included in the = Facultative=20 Reinsurance LCM calculation.

Companion forms (Item Key #252594) = were=20 still pending as of November 10, = 2009.

Item Key: 252560
Date = Submitted: 10/19/2009
IMPERIAL FIRE AND CASUALTY INSURANCE = COMPANY
19 -=20 Private Passenger Automobile
Revised Rate only
Summit = Program
Revisions=20 to Rates and Rules to Comply with New Minimum [Financial Responsibility] = Limits=20 Requirement for Compulsory Motor Vehicle Liability
Overall=20 % Impact: +0.06%Overall=20 $ Impact: $4,985#=20 of Policyholders: 8885

Company=20 Reference: A-IFACLA20100101-LA6-R
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

The last approved = rate=20 adjustment to this program resulted in an overall rate increase of = +11.6% and=20 was filed under the Prior Approval provision state tracking #239692 = effective=20 04/29/2009 for new business and 05/28/2009 for renewal = business.

The=20 overall rate impact resulting from this filing is an increase of +0.06% = or=20 +$4,985 with 8,885 policyholders affected.

With this filing, the=20 referenced company is proposing changes in response to the regulatory = change to=20 increase minimum [Financial Responsibility] liability limits. The = filing=20 includes factors for new minimum limits and changes to increased limit=20 factors.

Revisions are as follows:

Bodily Injury and Uninsured Motorist Bodily Injury - Introduction = of 15/30=20 limit option with corresponding factor for the limit=20
Property Damage Liability - Proposed increase for 25K increased = limit=20 factor=20
Uninsured Motorist Property Damage - Introduction of 25K limit = options=20 with corresponding factor for the limit

Item = Key:=20 252581
Date Submitted: 10/20/2009
Arch Insurance = Company
26 -=20 Burglary And Theft
Delayed Adoption
Burglary & Theft
Delay Adoption of ISO Filing = Reference=20 #'s: CR-2008-ORU08 & CR-2008-RLC08
#=20 of Policyholders: 0

Company=20 Reference: ARCH-09-152 RR
Requested Effective Dates - New: 12/15/2009 = Renewal: 12/15/2009

The last rate adjustment to this progam was a loss cost adoption with = a 0%=20 rate change approved under state tracking # 13353 effective = 6/26/03.

With=20 this filing, the company proposes to delay adoption of Insurance = Services=20 Office, Inc. (ISO) 2008 Commercial Crime & Fidelity Multistate = Revision for=20 rules (CR-2008-ORU08) approved for ISO under state tracking # 237705 = effective=20 11/1/09 and loss costs (CR-2008-RLC08) approved for ISO under state = tracking #=20 237713 effective 11/1/09 until 12/15/09.

The company intends to = use the=20 following loss cost multiplier (LCM):

1.250 - Burglary & = Theft.

There is no rate impact associated with this filing.

Item Key: 252592
Date = Submitted: 10/20/2009
VIRGINIA SURETY COMPANY, INC.
17 - Other=20 Liability
Initial Rate and Rule
Contractual Liability - GAP
#=20 of Policyholders: 0

Company=20 Reference: VSC-CLP/GAP-1009R
The referenced = company wishes to=20 file its Contractual Liability Insurance Policy (CLP) for Guaranteed = Asset=20 Protection (GAP) rules / rates manuals.

Please note that = the CLP /=20 GAP agreements (forms) have already been filed and=20 approved (VRGS-126247486) effective 09/24/2009 (#250068).

These "multiple" RR Manuals = are being=20 filed due to the fact that each rate / rule manual represents a group of = clients=20 offering a similarly structured program. The base premium in each rate / = rule=20 manual was developed using the experience of that group of clients. =

The program has been designed to insure the Obligor=20 against losses that may incur under a = GAP Waiver = Agreement.=20

Item=20 Key: 252609
Date Submitted: 10/20/2009
AMERICAN ZURICH = INSURANCE=20 COMPANY
AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY
ZURICH = AMERICAN=20 INSURANCE COMPANY OF ILLINOIS
ZURICH AMERICAN INSURANCE COMPANY
1 = -=20 Property
Initial Rate and Rule
Commercial Property (Fire and Allied Lines)
Introduction = of=20 Rate/Rules for Venture Preferred Club Program

Company Reference: CW-CF-29337 = RATE-RULE
Requested=20 Effective Dates - New: 12/01/2009 Renewal:=20 12/01/2009

The above captioned companies are filing rates and = rules=20 for new endorsements to be used with their Venture Preferred = Club=20 Program.

The new endorsements for this program are:

Property Enhancement with Flood Coverage=20
Property Enhancement without Flood Coverage=20
Signature Tree=20
Outdoor Property=20
Historical Preservation=20
Tee to Green with No Water Damage=20
Tee to Green with Water Damage=20
Violent Events

There is no additional premium charged for the Violent Events = endorsement,=20 for the other endorsements rating is based on judgement.

The = companies=20 are also submitting an exception to ISO Rule 3 for this program. = This=20 exception specifies the maximum total of all debits and credits allowed = in the=20 state of Louisiana and broadens the debits and credits range. The = total=20 maximum percentage has not exceeded the maximum percentage=20 allowed.

Companion forms (Item Key #252660) were still = pending as=20 of November 13, 2009.

Item Key: 252615
Date = Submitted: 10/20/2009
TNUS Insurance Company
5 - Commercial = Multiple=20 Peril
Initial Rate and Rule
Commercial Multi-Peril
Commercial = Package
#=20 of Policyholders: 0

Company=20 Reference: 09-LA-2-ML-21-6
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

TNUS Insurance = Company=20 submits its initial rates and rules for Division Nine - Multiple Line=20 (Commercial Package Policy Program).

This program includes = the=20 company's Package Modification Factors with specific eligibility = criteria=20 to be used with the company's approved monoline = programs.

The=20 company states these rates and rules are identical to another of its=20 companies, Tokio Marine & Nichido Fire Insurance Co., Ltd. = (U.S.=20 Branch) approved in April, 1988 (LIRC Agenda item #=20 18).

FORMS????????

Item Key: 252651
Date = Submitted: 10/21/2009
STATE FARM FIRE AND CASUALTY COMPANY
17 - = Other=20 Liability
Revised Rate and Rule
Commercial Umbrella & Excess Liability
Revised Rate = and=20 Rule/Commercial Umbrella Liability Program
Overall=20 % Impact: 2.0%Overall=20 $ Impact: $28,043#=20 of Policyholders: 1344

Company=20 Reference: CU-25574
Requested Effective Dates - New: 01/15/2010=20 Renewal: 03/15/2010

With this filing the = company=20 proposes a revision to its independent Commercial Liability Umbrella=20 Program. The company proposes changing how the Occupancy charge is = calculated for hte Religious Organizations Risk Type (formerly named = Church=20 program) to apply a factor to the calculated liability premium rather = than to=20 the total policy premium. This change is necessary due to a change = in=20 rating methodology with the underlying Commercial Multi-peril = Program. The=20 new factor was selected based on curren trate relationships and = the factor=20 used for other risk types in order to minimize any rate effects. = The=20 company also proposes revising the process of determining the Occupancy = Charge=20 minimum premium.

The oveall program rate effect is driven by = changes to=20 the underlying Commercial Multi Peril programs, not direct changes to = the=20 Commercial Liability Umbrella program.

The company has also = clarified its=20 pages to reflect other changes in terminology used in the underlying=20 program.

The overall rate change associated with this filing is = +2.0% or=20 +$28,043 affecting 1,344 policyholders.

Item Key: 252675
Date = Submitted: 10/21/2009
STATE FARM FIRE AND CASUALTY COMPANY
5 - = Commercial=20 Multiple Peril
Revised Rate and Rule
Commercial Multi-Peril
Businessowners
Overall=20 % Impact: 18.1%Overall=20 $ Impact: $10,329,471#=20 of Policyholders: 20487

Company=20 Reference: CL-25572
Requested Effective Dates - New: 01/15/2010=20 Renewal: 03/15/2010

The last adjustment = to this=20 program was a +0.64 increase (amended from -0.4%) = approved effective=20 May 15, 2008 for new business and August 15, 2008 for renewal business = (item key=20 # 229049).

State Farm Fire and Casualty now files for = an=20 overall +18.1% increase, or = +$10,329,471=20 affecting 20,487 policyholders = broken down=20 as follows:

Risk=20 Type Overall=20 Change Retail,=20 Service, and Wholesale
(Mercantile/Service Program) 12.7% Professional=20 Office and Banks (Office Program) 12.9% Miscellaneous* 5.3% Total=20 Business 11.8% Apartment 32.3% Residential=20 Condominium/Association 47.1% Total=20 Apt and Condo 37.7% Contractors 7.5% Religious=20 Organizations 10.9% Total=20 CMP 18.1%

* Comprised of Industrial = Processing,=20 Institutions (excl. Religious Organizations), and Business = (Other)=20 Risk Types.

SUMMARY OF = REVISIONS

The=20 following table summarizes the changes contained in this=20 revision.

Item &nbs= p; = ; = &= nbsp; &n= bsp; &nb= sp; Description = ; = &= nbsp; &n= bsp; &nb= sp; &nbs= p; =20 Classification=20 Index Revised=20 Classification Index. Stat=20 Class Revised=20 Stat Class Tables and added Notes. Policy=20 Coverage Summaries Revised=20 Policy Coverage Summaries. General=20 Rules Revised=20 General Rules. Base=20 Rates Revised=20 Base Rates. Discounts=20 and Charges Revised=20 Discounts and Charges. Deductible
adjustments are revised. Age = of=20 Building adjustments are revised. Preferred=20 Provider Preferred=20 Provider discount is introduced. Optional=20 Coverage - Property Revised=20 optional Coverages - Property
(Section I) Optional=20 Coverage - Liability Revised=20 Optional Coverages - Liability
(Section II) Multiple=20 Units Multiple=20 Units Discount is introduced for Apartment & Residential = Condominium=20 Units. Claim=20 History & Commercial Experience Rating Plan Revised=20 the Claim History & Commercial Experience Rating plan = thresholds &=20 eligibility rule, and adjustments. Hurricane=20 Deductible Hurricane=20 Deductible adjustments are revised. Improvements=20 & Betterments Improvements=20 & Betterments credit is introduced for Business Risk = types. Contractors=20 Payroll Contractors=20 payroll cap on Employee Salaries is increased to=20 $500.

Item Key: 252704
Date = Submitted: 10/22/2009
IMPERIAL FIRE AND CASUALTY INSURANCE = COMPANY
19 -=20 Commercial Automobile
Revised Rate only
Commercial = Auto
Imperial Light=20 Commercial Program/Compulsory Minimum Financial Responsibility
Overall=20 % Impact: 2.3%Overall=20 $ Impact: $7,708#=20 of Policyholders: 212

Company=20 Reference: IFACLA20100101LC
Requested Effective Dates - New: = 01/01/2010=20 Renewal: 01/01/2010

With this filing, = the=20 company is proposing minimum limits and factors for its Light = Commercial=20 Program to comply with the new minimum financial responsibilty liability = limits=20 of 15/30/25.

The company has also included additional increased = limits=20 and factors as well as territory changes.

The overall rate impact = associated with this filing is 2.3% or $7,708 affecting 212=20 policyholders

Item = Key:=20 252718
Date Submitted: 10/22/2009
HARTFORD CASUALTY = INSURANCE=20 COMPANY
HARTFORD INSURANCE COMPANY OF THE MIDWEST
HARTFORD = INSURANCE=20 COMPANY OF THE SOUTHEAST
HARTFORD UNDERWRITERS INSURANCE = COMPANY
PROPERTY=20 AND CASUALTY INSURANCE COMPANY OF HARTFORD
TWIN CITY FIRE INSURANCE=20 COMPANY
HARTFORD ACCIDENT AND INDEMNITY COMPANY
HARTFORD FIRE = INSURANCE=20 COMPANY
5 - Commercial Multiple Peril
Revised Rate and = Rule
Commercial = Multi-Peril
Property=20 Choice
Overall=20 % Impact: -0.50%Overall=20 $ Impact: $-4,653#=20 of Policyholders: 265

Company=20 Reference: FN.07.900.2009.02
Requested Effective Dates - New: = 04/01/2010=20 Renewal: 04/01/2010

The last adjustment to this Property Choice = Program=20 consisted of numerous rule revisions resulting in an overall +0.0552% = increase=20 effective December 12, 2009 for new and renewal business (item key #=20 247148).

Prior to that, the last adjustment to this = program was an=20 overall +11.0% increase (amended from +25.1%) effective = July 1,=20 2009 (item key # 242000).

The companies now file for a=20 -0.50% rate decrease, or -$4,653=20 affecting 265 = policyholders.

Rate Proposal = Summary

The above captioned companies = state the=20 Property Choice Program was introduced countrywide in mid-1999 to meet = the needs=20 of their customers. In the prior approved revision to this product they = modified=20 the X-Weather rate differentials between classes to better reflect = relative=20 hazard levels. In addition, the companies modified their Weather = rates.=20 This rate filing proposes to adjust X-Weather and Weather rates based=20 on the companies' latest experience. The companies also = propose=20 to adjust Equipment Breakdown factors.

The overall proposed rate = impact=20 is broken down as follows:

Coverage Selected=20 Rate Impact