Sub-TOI: Businessowners Co Tr Num: State Status: Closed-Placed On

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1 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Project Name/Number: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Mainline Businessowners Rate, Rule and Form Filing/ Filing at a Glance Company: Main Street America Assurance Company Product Name: Main Street America Assurance SERFF Tr Num: NGMC State: Massachusetts Company-Mainline Businessowners Rate, Rule and Form Filing TOI: 05.0 CMP Liability and Non-Liability SERFF Status: Closed-Placed on State Tr Num: File Sub-TOI: Businessowners Co Tr Num: State Status: Closed-Placed On File Filing Type: Form/Rate/Rule Reviewer(s): Daniel Smith Authors: Eileen Kuharich, Nancy Disposition Date: 04/10/2012 Murdough, Nancy Palmisano, Susan Fastenberg, Miranda Doyle, Hollie Carter, Amber May Date Submitted: 04/06/2012 Disposition Status: Placed on File Effective Date Requested (New): 09/15/2012 Effective Date (New): 09/15/2012 Effective Date Requested (Renewal): 11/15/2012 Effective Date (Renewal): 11/15/2012 General Information Project Name: Mainline Businessowners Rate, Rule and Form Filing Status of Filing in Domicile: Not Filed Project Number: Domicile Status Comments: Reference Organization: Reference Number: Reference Title: Advisory Org. Circular: Filing Status Changed: 04/10/2012 State Status Changed: 04/10/2012 Deemer Date: Created By: Susan Fastenberg Submitted By: Susan Fastenberg Corresponding Filing Tracking Number: Filing Description: Re: Main Street America Assurance Company Mainline Businessowners Rate, Rule and Form Filing MSAA NAIC Number: Company File Number: MSAA BOP The Main Street America Assurance Company (MSAA) is proposing to revise specific rating relativities in Section 6 of PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

2 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Mainline Businessowners Rate, Rule and Form Filing/ the filed manual. The overall rate impact of these changes is +1.3%. We are proposing changes to the following: Changes to Contractors Liability Rates by Class; Changes to the Businessowners (other than Contractors) rates by Program; Changes to our Amount of Insurance curves; and Changes to Garagekeepers rates. Additionally, the following revisions are being made to the MSAA rule manual: Removing edition dates of each form on MA-EX-1 for ease in maintenance; Rule A.6-Snow Plow Products-Completed Operations Hazard Coverage has been added to manual page MA-EX-5; Add new class code Snow and Ice Removal Parking lot and driveway only (no street or road work) to manual page OC-18; Revise Rule-Limits-Liability and Medical Expenses Aggregate Limit to delete reference to BP on manual page OC-19; and Omitting No IRPM and/or Tier Factor modification, as we are allowing IRPM credit to be reflected in our pricing on manual page OC-20. MSAA is introducing an optional endorsement BPM 3129 (07/11)-Snow Plow Products-Completed Operations Hazard Coverage, which is an independent form based on ISO form CG (12/07), approved in ISO circular LI-GL , filing designation number: GL-2006-OCTFR. MSAA utilizes the Declarations Page to include the Company name for all policies. The form number is BPM D , Businessowners Common Policy Declaration, placed on file under SERFF Tracking Number NGMC Enclosed please find an actuarial explanatory memorandum and exhibits, a rule explanatory and exhibits, and a form explanatory and exhibit that explain the revisions in more detail. This revision is applicable to all New Business policies on or after September 15, 2012 and Renewal policies on or after November 15, Please find finished manual Rate pages: MA-RR-Index-1; MA-RR-1, MA-RR-1A, MA-RR-5 through MA-RR-20, MA-RR- 29, MA-RR-32, MA-RR-56 through MA-RR-59; Rule pages: OC-18 through OC-20, MA-EX-1 and MA-EX-5 all (09/12) edition, attached in the Rate/Rule Schedule Tab. Finished Form: BPM 3129 (07/11) is attached in the Forms Schedule Tab. State Narrative: PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

3 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Company and Contact Mainline Businessowners Rate, Rule and Form Filing/ Filing Contact Information Nancy Palmisano, State Filings Manager 4601 Touchton Rd East [Phone] 351 [Ext] Suite [FAX] Jacksonville, FL Filing Company Information Main Street America Assurance Company CoCode: State of Domicile: Florida 4601 Touchton Road East Group Code: 311 Company Type: Property and Casualty PO Box 16000, Suite 3400 Group Name: State ID Number: Jacksonville, FL FEIN Number: (800) ext. 225[Phone] Filing Fees Fee Required? Yes Fee Amount: $ Retaliatory? No Fee Explanation: Florida has no retaliatory fee, therefore we use Massachusetts required filing fee. Per Company: Yes COMPANY AMOUNT DATE PROCESSED TRANSACTION # Main Street America Assurance Company $ /06/ State Specific 1.) All Lines: Please see the State Submissions List requirement under Supporting Documentation.: Acknowledge Completion 2.) Property/Casualty: Please see the Policy Endorsement List requirement under Supporting Documentation.: Acknowledge Completion 3.) Property/Casualty: Please see Comment C.5 in the Massachusetts General Instructions.: N/A This is not a delay adopt or non-adopt filing. 4.) Life: Please see the Specific Markets requirement under Supporting Documentation.: N/A This is a P & C filing. PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

4 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Correspondence Summary Mainline Businessowners Rate, Rule and Form Filing/ Dispositions Status Created By Created On Date Submitted Placed on File Daniel Smith 04/10/ /10/2012 Objection Letters and Response Letters Objection Letters Response Letters Status Created By Created On Date Submitted Responded By Created On Date Submitted Incomplete Daniel Smith 04/09/ /09/2012 Susan Fastenberg 04/10/ /10/2012 Filing Notes Subject Note Type Created By Created On Date Submitted SERFF Tracking Number: NGMC Note To Filer Carla Kelton 04/06/ /06/2012 PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

5 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Project Name/Number: Disposition Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Mainline Businessowners Rate, Rule and Form Filing/ Disposition Date: 04/10/2012 Effective Date (New): 09/15/2012 Effective Date (Renewal): 11/15/2012 Status: Placed on File Comment: Company Name: Overall % Indicated Change: Overall % Rate Impact: Written Premium Change for # of Policy Holders Affected for this Written Premium for this Program: Maximum % Change (where required): Minimum % Change (where required): this Program: Program: Main Street America Assurance Company 2.900% 1.300% $329,737 13,097 $25,318, % % PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

6 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Mainline Businessowners Rate, Rule and Form Filing/ Schedule Schedule Item Schedule Item Status Public Access Supporting Document State Submissions List Yes Supporting Document (revised) Policy Endorsement List Yes Supporting Document Policy Endorsement List Yes Supporting Document Annotated Comparison Yes Supporting Document Form Utilization List Yes Supporting Document Certification of Compliance Yes Supporting Document Checklist(s) Yes Supporting Document Actuarial Memorandum - Property and Yes Casualty Insurance Supporting Document (revised) Rate Filing Abstract (SRB-RA) Yes Supporting Document Rate Filing Abstract (SRB-RA) Yes Supporting Document Loss Cost Adoption Form (SRB-LC) Yes Supporting Document Rate Deviation Abstract (SRB-DV) Yes Supporting Document Statement of Variability Yes Supporting Document Letter of Authorization Yes Supporting Document Forms Explanatory Memorandum Yes Form Snow Plow Products-Completed Yes Operations Hazard Coverage Rate Finished Manual Rate Pages Yes Rate Finished Manual Rate Page Yes Rate Finished Manual Rule Pages Yes PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

7 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Objection Letter Mainline Businessowners Rate, Rule and Form Filing/ Objection Letter Status Incomplete Objection Letter Date 04/09/2012 Submitted Date 04/09/2012 Respond By Date 04/18/2012 Dear Nancy Palmisano, This filing submission is incomplete. Please respond to the following objections in accordance with SERFF procedures for responding to an Objection Letter. Objection 1 - Policy Endorsement List (Supporting Document) Comment: The responses do not make sense. Please review the instructions and revise. Objection 2 - Rate Filing Abstract (SRB-RA) (Supporting Document) Comment: Exhibit citations alone are insufficient to answer any question; please revise item 7. Also, please complete item 13. Upon receipt of your response, this filing will be scheduled for review. This filing will be closed for lack of action if a response is not received on or before 4:30 PM EDT on the Respond By Date indicated in this Objection Letter. Should you decide to withdraw this filing, please notify us via response to this objection. Thank you. Sincerely, Daniel Smith PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

8 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Response Letter Mainline Businessowners Rate, Rule and Form Filing/ Response Letter Status Submitted to State Response Letter Date 04/10/2012 Submitted Date 04/10/2012 Dear Daniel Smith, Comments: This is in response to your inquiries of Response 1 Comments: Please see revised Policy Endorsement LIst attached. Related Objection 1 Applies To: - Policy Endorsement List (Supporting Document) Comment: The responses do not make sense. Please review the instructions and revise. Changed Items: Supporting Document Schedule Item Changes Satisfied -Name: Policy Endorsement List Comment: Please see revised Policy Endorsement List attached. No Form Schedule items changed. No Rate/Rule Schedule items changed. Response 2 Comments: Please see revised SRB-RA attached. Related Objection 1 Applies To: - Rate Filing Abstract (SRB-RA) (Supporting Document) Comment: Exhibit citations alone are insufficient to answer any question; please revise item 7. Also, please complete item 13. PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

9 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Project Name/Number: Changed Items: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Mainline Businessowners Rate, Rule and Form Filing/ Supporting Document Schedule Item Changes Satisfied -Name: Rate Filing Abstract (SRB-RA) Comment: Please see revised SRB-RA attached. No Form Schedule items changed. No Rate/Rule Schedule items changed. Thank you for your assistance with this filing. Sincerely, Susan Fastenberg State Filing Specialist Sincerely, Amber May, Eileen Kuharich, Hollie Carter, Miranda Doyle, Nancy Murdough, Nancy Palmisano, Susan Fastenberg PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

10 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Project Name/Number: Note To Filer Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Mainline Businessowners Rate, Rule and Form Filing/ Created By: Carla Kelton on 04/06/ :49 AM Last Edited By: Daniel Smith Submitted On: 04/10/ :17 PM Subject: SERFF Tracking Number: NGMC Comments: Thank you for your filing submission. Your filing is now assigned to an analyst for review. Our goal is to have your filing under our review for no more than 60 days. PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

11 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Project Name/Number: Form Schedule Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Mainline Businessowners Rate, Rule and Form Filing/ Schedule Item Status Form Name Form # Edition Date Snow Plow BPM /11 Products- Completed Operations Hazard Coverage Form Type Action Action Specific Data Readability Attachment Endorseme New BPM 3129 nt/amendm 0711 Snow ent/conditi Plow.pdf ons PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

12 BUSINESSOWNERS BPM THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SNOW PLOW PRODUCTS COMPLETED OPERATIONS HAZARD COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM The following exception is added to Exclusion B.1.g. Aircraft, Auto Or Watercraft in Section II Liability: This exclusion does not apply to "bodily injury" or "property damage" that: (a) Is included in the "products-completed operations hazard"; and (b) Arises out of the use of any "auto" for snow or ice removal operations. BPM Includes copyrighted material of the Insurance Services Office, with its permission

13 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Project Name/Number: Rate Information Rate data applies to filing. Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Mainline Businessowners Rate, Rule and Form Filing/ Filing Method: Prior Approval Rate Change Type: Increase Overall Percentage of Last Rate Revision: 0.000% Effective Date of Last Rate Revision: 08/01/2011 Filing Method of Last Filing: File and Use Company Rate Information Company Name: Overall % Overall % Rate Written # of Policy Written Maximum % Minimum % Indicated Impact: Premium Holders Premium for Change (where Change (where Change: Change for Affected for this this Program: required): required): this Program: Program: Main Street America Assurance Company 2.900% 1.300% $329,737 13,097 $25,318, % % PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

14 SERFF Tracking Number: NGMC State: Massachusetts Filing Company: Main Street America Assurance Company State Tracking Number: Company Tracking Number: TOI: 05.0 CMP Liability and Non-Liability Sub-TOI: Businessowners Product Name: Main Street America Assurance Company-Mainline Businessowners Rate, Rule and Form Filing Project Name/Number: Rate/Rule Schedule Mainline Businessowners Rate, Rule and Form Filing/ Schedule Item Exhibit Name: Rule # or Page Rate Action Previous State Filing Attachments Status: #: Number: Finished Manual Rate Pages MA-RR-Index-1; Replacement MA-RR-1, MA- RR-5 through MA-RR-20, MA- RR-29, MA-RR- 32, MA-RR-56 through MA-RR- 59 (09/12) Finished Manual Rate Pages.pdf Finished Manual Rate Page MA-RR-1A (09/12) New Finished Manual Rate Page MA-RR-1A.pdf Finished Manual Rule Pages OC-18 through Replacement OC-20 (11/11), MA-EX-1 and MA-EX-5 (09/12) Finished Manual Rule Pages.pdf PDF Pipeline for SERFF Tracking Number NGMC Generated 05/01/ :40 AM

15 SECTION 6: RATES AND RELATIVITIES INDEX Territory Definitions: INDEX Page Territory Codes by ZIP Code MA - RR - 1 General Rating: Minimum Premiums by Program MA - RR - 2 Payroll for Each Executive Officer, Individual Insured or Co-Partner MA - RR - 2 Basic Rating: Age of Building Factors MA - RR - 3 Amount of Insurance (AOI) Factors Apartment MA - RR - 5 Condo MA - RR - 6 Contractors MA - RR - 7 Garage MA - RR - 8 Manufacturing MA - RR - 9 Office MA - RR - 10 Restaurant MA - RR - 11 Retail MA - RR - 12 Service MA - RR - 13 Wholesale MA - RR - 14 Base Premiums/Rates Apartment MA - RR - 15 Condo MA - RR - 15 Contractors MA - RR - 15 Garage MA - RR - 18 Manufacturing MA - RR - 18 Office MA - RR - 18 Restaurant MA - RR - 19 Retail MA - RR - 19 Service MA - RR - 19 Wholesale MA - RR - 20 Building Code Effectiveness Grading (BCEG) Factors MA - RR - 21 Class Factor Apartment MA - RR - 22 Condo MA - RR - 23 Contractors MA - RR - 24 Garage MA - RR - 25 Manufacturing MA - RR - 26 Office MA - RR - 28 Restaurant MA - RR - 29 Retail MA - RR - 30 Service MA - RR - 33 Wholesale MA - RR - 34 Construction Type Relativities MA - RR - 36 Protection Class Relativities MA - RR - 37 Sprinkler Credit MA - RR - 39 Tier Factor MA - RR - 40 MA - RR - Index - 1 Main Street America Assurance Company 09 12

16 TERRITORY DEFINITIONS SECTION 6: RATES AND RELATIVITIES TERRITORY DEFINITIONS ZIP Codes / Territories in Numerical Order by ZIP Code ZIP Code Territory ZIP Code Territory ZIP Code Territory ZIP Code Territory ZIP Code Territory MA - RR - 1 Main Street America Assurance Company 09 12

17 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Apartment AOI Building BPP Liability 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 5 Main Street America Assurance Company 09 12

18 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Condo AOI Building BPP Liability 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 6 Main Street America Assurance Company 09 12

19 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Contractors AOI Building BPP Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 7 Main Street America Assurance Company 09 12

20 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Garage AOI Building BPP Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 8 Main Street America Assurance Company 09 12

21 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Manufacturing AOI Building BPP Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 9 Main Street America Assurance Company 09 12

22 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Office AOI Building - Split Building - Composite BPP - Split BPP - Composite Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 10 Main Street America Assurance Company 09 12

23 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Restaurant AOI Building BPP Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 11 Main Street America Assurance Company 09 12

24 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Retail AOI Building - Split Building - Composite BPP - Split BPP - Composite Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 12 Main Street America Assurance Company 09 12

25 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Service AOI Building BPP Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 13 Main Street America Assurance Company 09 12

26 SECTION 6: RATES AND RELATIVITIES BASIC RATING AMOUNT OF INSURANCE (AOI) FACTORS Wholesale AOI Building BPP Liability (Lessors) 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000, ,025, ,050, ,075, ,100, ,125, ,150, ,175, ,200, ,225, ,250, ,275, ,300, ,325, ,350, ,375, ,400, ,425, ,450, ,475, Each Add'l 5, MA - RR - 14 Main Street America Assurance Company 09 12

27 SECTION 6: RATES AND RELATIVITIES BASIC RATING BASE PREMIUMS/RATES Apartment Territory Building BPP Liability Condo Territory Building BPP Liability Contractors - Property Territory Building BPP , , , , , , , , , , , , MA - RR - 15 Main Street America Assurance Company 09 12

28 SECTION 6: RATES AND RELATIVITIES BASIC RATING BASE PREMIUMS/RATES Contractors - Liability Per Claim PD Deductible Territory Code $0 $250 $500 REMAINDER OF STATE N.A N.A N.A MA - RR - 16 Main Street America Assurance Company 09 12

29 SECTION 6: RATES AND RELATIVITIES BASIC RATING BASE PREMIUMS/RATES Contractors - Liability Per Claim PD Deductible Territory Code $0 $250 $500 BARNSTABLE, DUKES AND NANTUCKET N.A N.A N.A MA - RR - 17 Main Street America Assurance Company 09 12

30 SECTION 6: RATES AND RELATIVITIES BASIC RATING BASE PREMIUMS/RATES Garage Building Liability Territory Lessor Owner BPP Lessor Owner Lessee Manufacturing Building Liability Territory Lessor Owner BPP Lessor Owner Lessee Office Building Owner BPP Liability Territory Lessor Split Composite Split Composite Lessor Owner Lessee MA - RR - 18 Main Street America Assurance Company 09 12

31 SECTION 6: RATES AND RELATIVITIES BASIC RATING BASE PREMIUMS/RATES Restaurant Building Liability Territory Lessor Owner BPP Lessor Owner Lessee Retail Building Owner BPP Liability Territory Lessor Split Composite Split Composite Lessor Owner Lessee Service Building Liability Territory Lessor Owner BPP Lessor Owner Lessee MA - RR - 19 Main Street America Assurance Company 09 12

SERFF Tracking #: NGMC State Tracking #: Company Tracking #: MSAA BOP

SERFF Tracking #: NGMC State Tracking #: Company Tracking #: MSAA BOP SERFF Tracking #: NGMC-128505519 State Tracking #: Company Tracking #: MSAA BOP 10-01-2012 State: Massachusetts Filing Company: Main Street America Assurance Company TOI/Sub-TOI: Product Name: Filing at