LOUISIANA DEPARTMENT OF INSURANCE JAMES J. DONELON, COMMISSIONER P.O. BOX BATON ROUGE, LOUISIANA

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1 Page 1 of 16 LOUISIANA DEPARTMENT OF INSURANCE JAMES J. DONELON, COMMISSIONER P.O. BOX BATON ROUGE, LOUISIANA OFFICE OF PROPERTY AND CASUALTY/INSURANCE RATING DIVISION RATE AND RULE FILINGS ACTED UPON FOR THE WEEK OF SEPTEMBER 24, 2018 Item Key: Independence American Insurance Company 9 - Inland Marine Initial Rate and Rule Personal Inland Marine Initial Rate and Rule # of Policyholders: N/A Company Reference: IAIC PETPARTNERS ACCIDENT AND ILLNESS RATE FILING LA This is a re-submission of Item Key Number , which was disapproved on 08/01/2018, because the company did not respond to Mr. William Wolfe's SERFF "Objection Letter" dated July 13, This is a re-submission of Item Key Number , which was disapproved on 05/04/2018, because the company did not respond to Mr. William Wolfe's SERFF "Objection Letter" dated April 16, The above-captioned company is introducing a Pet Health Insurance Program under its Personal Inland Marine line. Companion forms (Item Key Number or Company Reference Number IAIC PETPARTNERS ACCIDENT AND ILLNESS FORM FILING LA) were approved on 04/19/2018. Final Action: Disapproved The company did not respond to Mr. William Wolfe's SERFF "Response Letter" dated September 11, 2018 within the allotted timeframe. Item Key: Garrison Property and Casualty Insurance Company UNITED SERVICES AUTOMOBILE ASSOCIATION USAA CASUALTY INSURANCE COMPANY USAA GENERAL INDEMNITY COMPANY 9 - Inland Marine Installment Program Boatowners/Personal Watercraft Installment Plan

2 Page 2 of 16 Company Reference: LA Requested Effective Dates - New: 04/01/2019 Renewal: 04/01/2019 The above-captioned companies are revising their installment plan for their Boatowners/Personal Watercraft Program. Item Key: Garrison Property and Casualty Insurance Company UNITED SERVICES AUTOMOBILE ASSOCIATION USAA CASUALTY INSURANCE COMPANY USAA GENERAL INDEMNITY COMPANY 9 - Inland Marine Installment Program Personal Inland Marine Installment Plan Company Reference: LA Requested Effective Dates - New: 04/01/2019 Renewal: 04/01/2019 The above-captioned companies are revising their installment plan for their Personal Inland Marine Program. Item Key: CHARTER OAK FIRE INSURANCE COMPANY, THE PHOENIX INSURANCE COMPANY, THE TRAVELERS INDEMNITY COMPANY, THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT, THE TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA TRAVELERS INDEMNITY COMPANY OF AMERICA, THE 19 - Commercial Automobile Revised Rate and Rule Commercial Automobile Revised Rate and Rule Additional Rule - Physical Damage Coverage - Commercial Auto Towing and Labor Coverage Additional Rule - Roadside Assistance Coverage Rule 34. Towing and Labor Costs

3 Page 3 of 16 # of Policyholders: 2001 Company Reference: R Requested Effective Dates - New: 05/01/2019 Renewal: 09/01/2019 The last rate revision to this program was +12.6% or $6,028,181 which was approved under LDI Item Key Number effective 2/1/2019 for both new and renewal business. With this filing, the companies propose to introduce a new rule and revise existing rules to correspond with the introduction of a new optional endorsement, Roadside Assistance Coverage CA T6 25. Roadside Assistance Coverage CA T6 25 provides coverage for several roadside services accessed through the authorized service provider, including Towing and Labor Coverage. The new coverage will be available to new business and all eligible vehicles on renewal policies as of the effective date. Existing eligible vehicles with Commercial Auto Towing and Labor Coverage endorsement CA T4 34 or Towing and Labor Costs Coverage under ISO Rule 34 will be converted to Roadside Assistance Coverage at the next annual anniversary renewal. For commercial vehicles for which the Towing and Labor coverage applies and not eligible for Roadside Assistance Coverage CA T6 25, insureds will continue to arrange for towing and other covered labor services on their own and submit receipts for reimbursement, as they have always done. The premium for Roadside Assistance Coverage CA T6 25 is $25 per vehicle and will be applied without modification. Also, the following rues are being revised to state the coverage would not apply when Roadside Assistance Coverage is afforded on the vehicle: Additional Rule - Physical Damage Coverage - Commercial Auto Towing and Labor Coverage; and Rule 34., Towing and Labor Costs. The corresponding form filing has been approved under company tracking number F, LDI Item Key Number , effective 5/1/2019 for new business and 9/1/2019 for renewal business. Item Key: Pharmacists Mutual Insurance Company 19 - Commercial Automobile Loss Cost Adoption

4 Page 4 of 16 Commercial Automobile Loss Cost Adoption ISO Designation Filing Numbers CA-2015-ROCP1, CA-2018-BRLA1, CA-2018-BRLB1, and CA IALL1 Overall % Impact: % Overall $ Impact: $22,287 # of Policyholders: 68 Company Reference: LA-CAU OCP Requested Effective Dates - New: 12/31/2018 Renewal: 12/31/2018 The last rate revision to this program was +12.0% or $13,282 which was approved under LDI Item Key Number effective 11/1/2017 for both new and renewal business. With this filing, the company proposes to adopt the following Insurance Services Office, Inc. (ISO) designations: ISO Designation LDI Item Key Number Effective Date Approved for ISO CA-2015-ROCP N/A CA-2018-BRLB /1/2018 CA-2018-BRLA /1/2018 CA-2018-IALL /1/2018 The company is not proposing to revise the current Loss Cost Multipliers (LCM) which are as follows: Coverage Loss Cost Multiplier Liability Physical Damage The rate impact associated with this filing is +15.1% or $22,287 affecting 68 policyholders. Item Key: INSURANCE COMPANY OF THE WEST 16 - Workers Compensation Revised Rule only Workers Compensation 2009 NCCI Retrospective Rating Plan Company Reference: LA18-W258 Requested Effective Dates - New: 01/01/2019 Renewal: 01/01/2019 With this filing, the above-captioned company wishes to delay adopt NCCI Item Filing R-1414 A, effective

5 Page 5 of 16 09/1/2019. Additionally, the company wishes to adopt NCCI I tem Filing R-1399, effective 01/01/2019. Per Tammy Steinell on 09/21/2018, the company requests to withdraw this filing. Final Action: Withdrawn Withdrawn by company, per Ms. Tammy Steinell's SERFF "Response Letter" dated September 25, Item Key: Independence American Insurance Company 9 - Inland Marine Installment Program Pet Insurance PETFIRST INSTALLMENT PLAN FILING Installment Plan Company Reference: PETFIRST INSTALLMENT PLAN FILING Requested Effective Dates - New: 10/01/2018 Renewal: 10/01/2018 The above-captioned company is introducing an installment payment plan for its Pet First Insurance Program under its Personal Inland Marine line. Final Action: Disapproved The company submitted an inadequate response to Mr. William Wolfe's SERFF "Objection Letter" dated September 27, Item Key: AMERICAN FIRE AND CASUALTY COMPANY OHIO CASUALTY INSURANCE COMPANY, THE OHIO SECURITY INSURANCE COMPANY WEST AMERICAN INSURANCE COMPANY 9 - Inland Marine Initial Rate and Rule Commercial Inland Marine Adoption of AAIS Loss Cost Designation Filing Numbers AAIS R (state file number ) and AAIS LC (state file number ) # of Policyholders: 1424 Company Reference: 2018-LA-3-IM-E-R Requested Effective Dates - New: 10/20/2018 Renewal: 10/20/2018 The above-captioned companies are adopting AAIS R (Item Key Number ) and AAIS-2014-

6 Page 6 of 16 46LC (Item Key Number ). The companies will retain their current loss cost multiplier of Companion forms (Item Key Number or Company Reference Number 2018-LA-21-IM-E-F) were approved effective 10/04/2018. Item Key: AMERICAN ZURICH INSURANCE COMPANY AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY COLONIAL AMERICAN CASUALTY AND SURETY COMPANY FIDELITY AND DEPOSIT COMPANY OF MARYLAND ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS ZURICH AMERICAN INSURANCE COMPANY 17 - Other Liability Delayed Adoption Commercial General Liability Adoption of ISO Designation Filing Number GL-2018-IALL1 Overall % Impact: 0.5 Overall $ Impact: $63,261 # of Policyholders: 560 Company Reference: Requested Effective Dates - New: 04/01/2019 Renewal: 04/01/2019 The last rate adjustment for the above-captioned companies was filed and approved under the "Prior Approval" provision, Item Key Number With this filing, the companies are proposing to delay- adoption of Insurance Services Office, Inc., (ISO) filing designation number GL-2018-IALL1 approved for ISO under state tracking number effective 02/01/2019. The company intends to delay adoption until 04/01/2019. This delayed adoption will result in +0.5% rate increase or $63, There will be 560 Louisiana policyholders affected by this rate increase. Final Action: Withdrawn Withdrawn by companies, per Ms. Telese Hampton's SERFF "Note to Reviewer" dated September 24, Item Key: ACIG Insurance Company 16 - Workers Compensation

7 Page 7 of 16 Adoption Workers Compensation Adoption of NCCI Item Filing R-1414-A INF.EX.3 Company Reference: R1414ALA Requested Effective Dates - New: 01/01/2019 Renewal: 01/01/2019 With this filing, the above-captioned company wishes to adopt NCCI Item Filing R-1414-A INF.EX.3 Revisions to Retrospective Rating Plan Manual Appendix B and all Related Rules and Endorsements, effective 01/01/2019. NCCI Item Filing R-1414-A INF.EX.3 was filed and approved under "Prior Approval" Item Key Number , effective 01/01/2019. Final Action: Acknowledged Item Key: Starr Indemnity & Liability Company 17 - Other Liability Initial Rate and Rule Directors & Officers Liability Company Reference: GL-19-LA -3 Final Action: Withdrawn Withdrawn by company, per Ms. Heather Leach's SERFF "Note to Reviewer" dated September 25, Item Key: HUMANA INSURANCE COMPANY 17 - Other Liability Initial Rate only Stop Loss Program for Policy Series SLP-2011-I&P-9/2011-LA and LA SL 5/2017 Company Reference: LA-SLP The above-captioned company is filing initial rates for the above-captioned program. This program will be offered to employers that has 5-50 enrolled employees. Final Action: Withdrawn Withdrawn by company, per Mr. Travis Stanton's SERFF "Response Letter" dated September 25, 2018.

8 Page 8 of 16 Item Key: Granite State Insurance Company ILLINOIS NATIONAL INSURANCE COMPANY NEW HAMPSHIRE INSURANCE COMPANY 1 - Property Initial Rule only Commercial Property (Fire and Allied Lines) Initial Rule Integrated Property Insurance Solutions Program Company Reference: AIG-18-CP-06 The above-captioned companies wish to submit a new rule to be used with the Integrated Property Insurance Solutions Windstorm or Hail Exclusion, Form #90611, approved under LDI State Tracking No This rule instructs how to apply a credit when this endorsement is added to a policy. The endorsement will be used when Wind and Hail causes of loss are excluded from the policy. This is an optional endorsement at the option of either the insured or the insurer. Use Rule 74.A.3.a. to calculate the credit for the exclusion of the Wind and Hail causes of loss. The corresponding form(s) filing, LDI Form Filing No , Company Form Filing No. AIF-18-CP-04 was approved effective September 5, Item Key: Property Insurance Association of Louisiana 1 - Property Revised Rule only Commercial Property (Fire and Allied Lines) Revised Rule Only Causes of Loss - Basic Form Company Reference: LA18-04 (CF-2018-RRU1) Requested Effective Dates - New: 04/01/2019 Renewal: 04/01/2019 The last adjustment to this program occurred in January 2018 under the Prior Approval provision (Item Key #690221) to be effective July 1, 2018 for both new and renewal business with a rate decrease of -7.6% or - $3,209,302 (29,722 policyholders). The above-captioned rating organization wishes to submit revised rule 70. Cause of Loss - Basic Form, Table 70.E.1.e(3) Factors For Higher Coinsurance. This provides rating instructions on the conversion of the

9 Page 9 of 16 90% rate for Sprinklered Properties and 100% rate for Commodities & Stock of Merchandise in Storage in Public Storage Warehouses to an 80% rate. This conversion may be useful to rate multistate options which use an underlying 80% coinsurance building rate. This filing revised a Louisiana state exception regarding the minimum coinsurance percentage used for sprinklered properties and Commodities & Stock of Merchandise in Storage Warehouses. The company has also made additional editorial revisions. This filing is replacing approved Item Key # Item Key: JEFFERSON INSURANCE COMPANY 9 - Inland Marine Revised Rate and Rule Personal Inland Marine Event Protection Insurance Program Revised Rate and Rule Overall % Impact: Overall $ Impact: $34,504 # of Policyholders: Company Reference: JIC EP (R) Requested Effective Dates - New: 06/10/2019 Renewal: N/A The Initial Filing (Item Key Number ) was approved effective 10/01/2014. The above-captioned company is revising rates and rules for its JIC Event Protection Program. The company is raising rates across the board and introducing an Extreme Endurance Product/Rate Table 16. Companion forms (Item Key Number or Company Reference Number JIC EP (F)) received Certified Approval for 06/10/2019 This filing will result in an overall rate increase of +3.29% or premium increase of +$34,504 affecting 204,625 policyholders. Item Key: NATIONAL INTERSTATE INSURANCE COMPANY 19 - Commercial Automobile Revised Rule only Commercial Automobile Daily Rental Car Program Rule Revision Rule 75. Leasing or Rental Concerns

10 Page 10 of 16 Company Reference: NTNL Requested Effective Dates - New: 12/01/2018 Renewal: 12/01/2018 With this filing, the company propose to revise Rule 75., Leasing or Rental Concerns. The corresponding form filing has been approved under company tracking number NTNL , LDI Item Key Number , effective 12/1/2018. Item Key: Imperium Insurance Company GREAT MIDWEST INSURANCE COMPANY 19 - Commercial Automobile Loss Cost Adoption Commercial Automobile Loss Cost Adoption ISO Designation Numbers CA-2018-BRLA1 and CA-2018-IALL1 Overall % Impact: Overall $ Impact: $635,470 # of Policyholders: 133 Company Reference: HIIG-CA-2018-LA-03R Requested Effective Dates - New: 11/01/2018 Renewal: 11/01/2018 The last rate revision to this program for Imperium Insurance Company was +20.3% or $1,006,498 which was approved under LDI Item Key Number effective 11/1/2017 for both new and renewal business. The last rate revision to this program for Great Midwest Insurance Company was +4.5% or $8,014 which was approved under LDI Item Key Number effective 11/1/2017 for both new and renewal business. With this filing, the companies propose to adopt the following Insurance Services Office, Inc. (ISO) designations: ISO Designation LDI Item Key Number Effective Date Approved for ISO CA-2018-BRLA /1/2018

11 Page 11 of 16 CA-2018-IALL /1/2018 The companies are not proposing to revise the current Loss Cost Multipliers (LCM) which are as follows: Company LCM Imperium insurance Company Great Midwest Insurance Company The rate impact associated with this filing is % or $635,470 affecting 133 policyholders. **This filing is a resubmission of LDI Item Key Number , company tracking number HIIG- CA-2018-LA-02R, which was disapproved as the filing was not actuarially justified. Item Key: ACIG Insurance Company 16 - Workers Compensation Adoption Workers Compensation Adoption of NCCI Item Filing R-1414-A Amendment to Item R-1414(R) # of Policyholders: N/A Company Reference: R1414A1LA With this filing, the above-captioned company wishes to adopt NCCI Item Filing R-1414-A Amendment to Item R-1414(R) - Revisions to Retrospective Rating Plan Manual Appendix B and all Related Rules and Endorsements, effective 01/01/2019. Item R-1414-A Amendment to Item R-1414(R) was approved under "Prior Approval" provision Item Key Number , effective 01/01/2019. Item Key: EVEREST NATIONAL INSURANCE COMPANY 19 - Commercial Automobile Non-Adoptions Commercial Automobile

12 Page 12 of 16 Non-Adoption ISO Designation Filing Number CA-2018-IALL1 Company Reference: LA-CA With this filing, the company proposes to non-adopt Insurance Services Office, Inc. (ISO) designation CA-2018-IALL1 which was approved for ISO under LDI Item Key Number effective 11/1/2018. Item Key: AMERICAN ALTERNATIVE INSURANCE CORPORATION AMERICAN FAMILY HOME INSURANCE COMPANY AMERICAN SOUTHERN HOME INSURANCE COMPANY 19 - Commercial Automobile Non-Adoptions Commercial Automobile Non-Adoption ISO Designation Numbers RP-2018-RAL18, RP-2018-RPD18, and CA-2018-IALL1 Company Reference: NS-CA-RU-GEN-LA Requested Effective Dates - New: 11/01/2018 Renewal: 11/01/2018 With this filing, the companies propose to non-adopt the following Insurance Services Office, Inc. (ISO) designations: ISO Designation LDI Item Key Number Effective Date Approved for ISO CA-2018-IALL /1/2018 RP-2018-RAL /1/2018 RP-2018-RPD /1/2018

13 Page 13 of 16 Item Key: NORTH RIVER INSURANCE COMPANY, THE UNITED STATES FIRE INSURANCE COMPANY 17 - Other Liability Revised Rule only Commercial Umbrella and Excess Defender Commercial Umbrella Liability Program Rule Revision Introduce Rule MU Aggregate Limit Amendatory Endorsement - Per Project or Per Location (General Aggregate Cap Limit) Company Reference: MU AGG LIMIT R Requested Effective Dates - New: 10/20/2018 Renewal: 10/20/2018 With this filing, the companies propose to introduce Rule MU25001., Aggregate Limit Amendatory Endorsement - Per Project or Per Location (General Aggregate Cap Limit). This optional endorsement will amend the limit stated in Item 4.(b) of the Declarations Page so that the General Aggregate Limit will apply separately to each insured location or project, if the scheduled Primary or underlying policy contains a General Aggregate Limit that applies separately to each location or project. There is no premium associated with the use of this endorsement. The corresponding form(s) filing, LDI Form Filing No , Company Form Filing No. MU AGG LIMIT F, was approved effective October 20, Item Key: National Council on Compensation Insurance, Inc Workers Compensation Revised Rule only Workers Compensation NCCI Item Filing B-1437 Revisions to Basic Manual Classifications and Appendix E Company Reference: B-1437 Requested Effective Dates - New: 05/01/2020 Renewal: 05/01/2020

14 Page 14 of 16 With this filing, the above-captioned Rating Organization introduces Item Filing B-1437 Revisions to Basic Manual Classifications and Appendix E Classifications by Hazard Group, including Aircraft Maintenance, effective 05/01/2020. This item: Eliminates national and state special classifications with low credibility Revises the classification treatment of the aircraft maintenance and repair industry Revises and eliminates certain classifications in NCCI s Basic Manual for Workers Compensation and Employers Liability Insurance (Basic Manual) and Forms Manual of Workers Compensation and Employers Liability Insurance (Forms Manual) Revises audit and/or loss prevention survey tables for certain states in NCCI s Assigned Carrier Performance Standards Item Key: ALLSTATE INSURANCE COMPANY 19 - Commercial Automobile Delayed Adoption Commercial Automobile Delayed Adoption ISO Designation CA-2018-IALL1 Company Reference: ISOD CA-2018-IALL1 Requested Effective Dates - New: 11/01/2019 Renewal: 01/12/2020 With this filing, the company proposes to delay the adoption of Insurance Services Office, Inc. (ISO) designation CA-2018-IALL1, which was approved for ISO under LDI Item Key Number effective 11/1/2018, until 11/1/2019 for new business and 1/12/2020 for renewal business. Final Action: Disapproved Inadequate company response to Mr. Wei Chuang's SERFF "Objection Letter" dated September 24, Item Key: AmGUARD Insurance Company 5 - Commercial Multiple Peril Revised Rate and Rule Businessowners Program

15 Page 15 of 16 Overall % Impact: Overall $ Impact: $-4,217 # of Policyholders: 1 Company Reference: LA-BP-FLOOD Requested Effective Dates - New: 03/01/2019 Renewal: 03/01/2019 Listed below is the history for the above-captioned program: Item Key No % Approved, effective 05/01/2018 Item Key No % Approved, effective 04/01/2018 Item Key No % Approved, effective 11/01/2017 The company is making the following changes: Revising Earthquake and Flood rates. Amending the Multi-Location Discount. These changes will result in a -0.7% rate decrease or -$4,217. There will be 1 Louisiana policyholders affected by the rate decrease. Item Key: ALLSTATE INSURANCE COMPANY 19 - Commercial Automobile Revised Rate only Commercial Automobile Rule Revision Symbol Update Company Reference: BR9131: 2018 EGR VPM UPDATE Requested Effective Dates - New: 12/10/2018 Renewal: 02/20/2019 With this filing, the company proposes to revise the Experience Group Rating (EGR) pages for and introduce the 2018 EGR pages. Item Key: INSURANCE COMPANY OF THE WEST 16 - Workers Compensation

16 Page 16 of 16 Delayed Adoption Workers Compensation Delayed Adoption of NCCI Designation Item Filing R-1414-A Amendment to Item R-1414 Company Reference: LA18-W295 Requested Effective Dates - New: 09/01/2019 Renewal: 09/01/2019 With this filing, the above-captioned company wishes to delay adopt NCCI Item Filing R-1414-A Amendment to Item R-1414, effective 09/01/2019. NCCI Item R-1414-A was filed and approved under "Prior Approval" Item Key Number , effective 01/01/2019.

SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R

SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R SERFF Tracking #: LBRC-129420893 State Tracking #: 140684 Company Tracking #: 2014-1-TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial