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1 Created by SERFF on :56 PM Filing at a Glance Company: Graphic Arts Mutual Insurance Company Product Name: Homeowners SERFF Tr Num: UTCX State: North CarolinaPC TOI: 04.0 Homeowners SERFF Status: Submitted to State State Tr Num: PC Sub-TOI: Homeowners Sub-TOI Co Tr Num: HO NC R01 State Status: Assigned Combinations Filing Type: Deviations Co Status: Reviewer(s): Nelson Whitley Author: SPI UticaNational Disposition Date: Date Submitted: Disposition Status: Effective Date Requested (New): Effective Date (New): Effective Date Requested (Renewal): Effective Date (Renewal): General Information Project Name: Homeowners Project Number: HO NC R01 Reference Organization: Reference Title: Filing Status Changed: State Status Changed: Corresponding Filing Tracking Number: Status of Filing in Domicile: Pending Domicile Status Comments: Reference Number: Advisory Org. Circular: Deemer Date: Filing Description: Our company would like to implement in your jurisdiction, our Suburban Rating Rule, which can be found in the attached manual pages. The suburban rating rule in intended to offer a credit to certain homes in suburban and rural areas rated as ISO Protection Class 9 displaying better fire protection characteristics. The proposed credit will be 10% for frame homes, and 5% for masonry. In the personal lines market place, it is commonplace for personal lines carriers to have a suburban rating rule. The following competitors have a rating rule: National Grange, Travelers, Preferred Mutual, General Casualty, Patrons Mutual, Peerless, State Auto, Hartford, and Metropolitan. We have reviewed these rules and used elements in the construction of our rule. Company and Contact Filing Contact Information

2 Created by SERFF on :56 PM Kathleen McSweeney, Senior State Filings Coordinator 180 Genesee Street (315) [Phone] New Hartford, NY (315) [FAX] Filing Company Information Graphic Arts Mutual Insurance Company CoCode: State of Domicile: New York 180 Genesee Street Group Code: 201 Company Type: New Hartford, NY Group Name: Utica National State ID Number: Insurance Group (315) ext. [Phone] FEIN Number:

3 Created by SERFF on :56 PM Filing Fees Fee Required? Retaliatory? Fee Explanation: Per Company: No No No

4 Created by SERFF on :56 PM Rate Information Rate data applies to filing. Filing Method: Prior Approval Rate Change Type: Overall Percentage of Last Rate Revision: 0.000% Effective Date of Last Rate Revision: Filing Method of Last Filing: Company Rate Information Company Name: Overall % Rate Impact: Written Premium Change for this Program: # of Policy Holders Affected for Premium: Maximum % Change (where required): Minimum % Change (where required): Overall % Indicated Change: this Program: Graphic Arts Mutual Insurance Company 0.000% $0 0 $ % 0.000% 0.000%

5 Created by SERFF on :56 PM Rate/Rule Schedule Review Status: Exhibit Name: Rule # or Page Rate Action Previous State Filing Attachments #: Number: North Carolina Homeowners Deviation Pages - Graphic 8-MP-288 G Replacement PC MP-288 G.PDF

6 GRAPHIC ARTS MUTUAL INSURANCE COMPANY PERSONAL PROPERTY REPLACEMENT COST Rule 403.F. is replaced with the following: F. Premium Determination When Coverage C is extended to include full cost of repair or replacement without deduction for depreciation, the additional premium shall be developed as follows: Forms HO and HO 00 03: If a 1 or 2 family dwelling, Coverage C will be increased to 70% of Coverage A at no additional charge. If a 3 or 4 family dwelling, Coverage C will be increased to 50% of Coverage A at no additional charge. A 5% surcharge is to be added to the total base premium. Forms HO and HO 00 06: Coverage C will be increased to 40% at no additional charge. A 40% surcharge is to be added to the total base premium. The minimum additional premium is $20. Use Endorsement HO Personal Property Replacement Cost Endorsement Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

7 MASS MERCHANDISING PLAN GRAPHIC ARTS MUTUAL INSURANCE COMPANY This plan is available for the insuring of Homeowners Policies for employees of Utica National Insurance Group. The program utilizes the policy forms and rules as filed and approved for use by the Company. The base rates are to be discounted 15%. Optional Rating Characteristic (Rule A.10.d.) Affinity Group 8-MP-288 G Ed

8 GRAPHIC ARTS MUTUAL INSURANCE COMPANY A 5% discount applies to the Homeowners, Personal Inland Marine (including Pleasure Boat), Dwelling Fire, Personal Umbrella and Personal Automobile premiums provided the named insured is employed through an employer enrolled in the company workplace insurance service for employees (W.I.S.E.) program, or is a member of a company approved Affinity group. Optional Rating Characteristic (Rule A.10.d.) Affinity Group 8-MP-288 G Ed

9 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.95 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territories 5, 6, 41, 42, 43, 45 and 46. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

10 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.85 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territories 36, 44 and 60. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

11 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.90 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territories 38 and 39. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

12 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.80 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territory 34. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

13 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.82 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territory 57. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

14 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.84 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territory 53. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

15 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.85 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territory 32. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

16 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO 00 02, HO 00 03, HO and HO 00 08, a rating factor of.92 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territory 47. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

17 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO and HO 00 06, a rating factor of.85 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territories 36, 44, 57 and 60. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

18 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO and HO 00 06, a rating factor of.90 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territories 38 and 39. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

19 TERRITORIAL/COMPANY DEVIATION GRAPHIC ARTS MUTUAL INSURANCE COMPANY For Forms HO and HO 00 06, a rating factor of.95 should be applied to the base rates promulgated by the North Carolina Rate Bureau for risks located in territories 5, 6, 32, 34, 41, 42, 43, 45, 46, 47 and 53. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

20 GRAPHIC ARTS MUTUAL INSURANCE COMPANY PERSONAL LINES ACCOUNT CREDIT A ten (10%) percent discount shall be applied to the basic premium contained in the Homeowners Manual for insureds: 1. With a Homeowners policy written with one of the Utica National Insurance Group member companies; and 2. With a Personal Auto policy written with one of the Utica National Insurance Group member companies. Optional Rating Characteristic (Rule A.10.a.) Policy characteristic 8-MP-288 G Ed

21 GRAPHIC ARTS MUTUAL INSURANCE COMPANY PACKAGE SUMMARY PAGE (HO 00 02, HO and HO 00 05) For insureds who select all of the following coverages and increased limits options, the charges will be as shown. ADDITIONAL ENDORSEMENT RULE CHARGE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on HO % Personal Property 2. Increased Ordinance or Law Coverage HO % 3. Water Back-up and Sump Overflow HO waived 4. Increased Loss of Use Cov. D See Dec. Page 512. waived 5. Personal Injury Liability Coverage HO waived 6. Coverage C Increased Special Limits HO (HO2, HO3) waived Jewelry, Watches, Furs increased by $2,000 Money Increased by $300 Securities increased by $1,000 HO (HO5) 7. Fire Department Service Charge See Dec. Page 506. waived Increased to $1, Credit Card, Fund Transfer Card, HO waived Forgery 9. Special Computer Coverage HO waived 10. Refrigerated Property Coverage HO waived 11. Increased Medical Payments Coverage See Dec. Page 102. waived Increased $1,000 (maximum Coverage F $5,000) 12. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page 601. waived 8-MP-288 G Ed a

22 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Guaranteed Replacement Cost on Personal Property, select all of the following coverages and increased limits options, the charge for HO will be 5% of the Base Premium with no minimum additional premium of $20, and no charge to increase Coverage C to 70% of Coverage A. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Increased Ordinance or Law Coverage HO Water Back-up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased by $2,000 Money Increased by $300 Securities increased by $1,000 HO (HO2, HO3) HO (HO5) 6. Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page 102. See Dec. Page MP-288 G Ed b

23 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Ordinance or Law Increased Amount of Coverage, select all of the following coverages and increased limits options, the charge for HO option of 15% of Coverage A (total 25%) will be 7% of the Base Premium. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Water Back-up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed c

24 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Water Back Up and Sump Overflow, select all of the following coverages and increased limits options, the charge for HO will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed d

25 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Coverage D Increased Loss of Use to 30% of Coverage A, select all of the following coverages and increased limits options, the charge for Increased Loss of Use to 30% will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Ordinance HO Coverage 3. Water Back-Up and Sump Overflow HO Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed e

26 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Personal Injury Liability Coverage select all of the following coverages and increased limits options, the charge for HO will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed f

27 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Coverage C Increased Special Limits of Liability (HO or HO 32 89), select all of the following coverages and increased limits options, the charge for the following increased coverages will be waived: a. Jewelry, Watches and Furs increased by $2,000 b. Money increased by $300 c. Securities increased by $1,000 ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed g

28 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Increased Fire Department Charge Coverage of $1,000, select all of the following coverages and increased limits options, the charge will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed h

29 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Credit Card, Fund Transfer, Forgery, and Counterfeit Money select all of the following coverages and increased limits options, the charge for increasing HO by $2,500 to a maximum of $10,000 coverage will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed i

30 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Special Computer Coverage select all of the following coverages and increased limits options, the charge for HO will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Refrigerated Property Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed j

31 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Refrigerated Property Coverage select all of the following coverages and increased limits options, the charge for HO will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Increased Medical Payments Coverage See Dec. Page 102. Increased $1,000 (maximum Coverage F $5,000) 11. Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed k

32 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who in addition to Increased Medical Payments Coverage select all of the following coverages and increased limits options, the charge for an increase of $1,000 in medical payments coverage to a maximum coverage of $5,000 will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Personal Liability Coverage Increased $100,000 (maximum Coverage E $1,000,000) See Dec. Page MP-288 G Ed l

33 GRAPHIC ARTS MUTUAL INSURANCE COMPANY (HO 00 02, HO and HO 00 05) For insureds who, in addition to Increased Personal Liability Coverage select all of the following coverages and increased limits options, the charge for an increase of $100,000 in Coverage E subject to a maximum Coverage E of $1,000,000 will be waived. ADDITIONAL ENDORSEMENT RULE COVERAGES NUMBER NUMBER 1. Guaranteed Replacement Cost on Personal HO Property 2. Increased Ordinance or Law Coverage HO Water Back-Up and Sump Overflow HO Increased Loss of Use Cov. D See Dec. Page Personal Injury Liability Coverage HO Coverage C Increased Special Limits Jewelry, Watches, Furs increased HO (HO2, HO3) HO (HO5) by $2,000 Money Increased by $300 Securities increased by $1, Fire Department Service Charge See Dec. Page 506. Increased to $1, Credit Card, Fund Transfer Card, Forgery HO Special Computer Coverage HO Refrigerated Property Coverage HO Increased Medical Payments Coverage Increased $1,000 (maximum Coverage F $5,000) See Dec. Page MP-288 G Ed m

34 GRAPHIC ARTS MUTUAL INSURANCE COMPANY PROTECTION CLASSIFICATION INFORMATION The following is added to Rule 106: Suburban Rating A. Eligibility (Note that all risks are subject to an inspection to verify the following risk characteristics.) 1. HO and HO forms only. 2. Single family, owner occupied dwellings. 3. The ISO classification of the dwelling is located in an area classified as a 9 or 9E. 4. Dwelling must be primary residence (no secondary or seasonal). 5. Dwelling must be accessible year-round to fire fighting equipment over all-weather roads including the driveway to the residence. 6. Dwelling must be visible from the main road and visible by three neighbors, year round. 7. Primary responding fire department must be located within 5 road miles of the dwelling. 8. Dwelling must contain a functional fire extinguisher and smoke detector. 9. Dwelling does not contain a solid fuel-heating device. B. Rate 1. Frame A 10% credit is to be applied to the protection-construction factor for class Masonry A 5% credit is to be applied to the protection-construction factor for class 9. Optional Rating Characteristic (Rule A.10.a.) Policy/Dwelling characteristic 8-MP-288 G Ed

35 Created by SERFF on :56 PM Supporting Document Schedules Satisfied -Name: Comments: Attachment: Cover Letter.PDF Cover Letter - Property and Casualty Review Status: Review Status: Satisfied -Name: Deviation Questionnaire FC Comments: Attachment: NC - Deviation Questionnaire (FC-038) (03_01_02).PDF Satisfied -Name: NAIC Uniform Transmittal Document MUST BE ATTACHED Comments: Attachments: NC - NAIC P&C TRANSMITTAL DOCUMENT.PDF NC - NAIC RATE RULE FILING SCHEDULE.PDF Review Status:

36 P.O. Box 530, Utica, New York Telephone: (315) April 10, 2007 The Honorable James Long, Commissioner Department of Insurance P.O. Box Raleigh, NC ATTN: Mr. Fred Fuller, Deputy Commissioner RE: Homeowners - Suburban Rating Rule Homeowners Graphic Arts Mutual Insurance Company ( ) Fed. ID # Manual Pages: 8-MP-288 G Ed OUR FILE Number: HO NC R01 Dear Commissioner Long: Our company would like to implement in your jurisdiction, our Suburban Rating Rule, which can be found in the attached manual pages. The suburban rating rule in intended to offer a credit to certain homes in suburban and rural areas rated as ISO Protection Class 9 displaying better fire protection characteristics. The proposed credit will be 10% for frame homes, and 5% for masonry. In the personal lines market place, it is commonplace for personal lines carriers to have a suburban rating rule. The following competitors have a rating rule: National Grange, Travelers, Preferred Mutual, General Casualty, Patrons Mutual, Peerless, State Auto, Hartford, and Metropolitan. We have reviewed these rules and used elements in the construction of our rule. Attached for your review, you will find the following manual page: Manual Page: 8-MP-288 G Ed North Carolina Homeowners Deviation Pages - Graphic Graphic Arts Mutual Insurance Company would like to implement this effective August 1, Your early approval would be greatly appreciated. If you have any questions on this filing you may contact Kathleen M. McSweeney, AIS, Senior State Filings Coordinator, in any of the following ways: kathleen.mcsweeney@uticanational.com Fax: Phone: Ext Very truly yours, Valerie T. Brown, AU Director of State Filings Actuarial/State Filings Department VTB/KMM/rcc Utica National Insurance Group Utica Mutual Insurance Company And its affiliated companies. Insurance that starts with you

37 DEPARTMENT OF INSURANCE DEVIATION QUESTIONNAIRE A. GENERAL DESCRIPTION (1) NAME OF COMPANY Graphic Arts Mutual Insurance Company (2) FILER'S FEDERAL EMPLOYER # (3) FILER'S FILE # HO NC08887CGR01 (4) LINE OF INSURANCE Homeowners (5) SUBLINE/PROGRAM TITLE (IF APPLICABLE) Homeowners Suburban Rating Rule (6) PREVIOUS DEPARTMENT FILE # (IF APPLICABLE) PC (7) PROPOSED EFFECTIVE DATE AND RULES OF IMPLEMENTATION (Note: no retroactive effective dates will be given) 08/01/2007 B. IMPACT OF THE AGGREGATE DEVIATION (8) COMPANY'S CURRENT N.C. VOLUME OF BUSINESS FOR THE LINE: WRITTEN PREMIUM: $ 813,295 EXPOSURES: 1,177 (9) COMPANY'S N.C. MARKET SHARE BASED ON WRITTEN PREMIUM: less than 1 % (10) COMPANY'S CURRENT COUNTRYWIDE VOLUME OF BUSINESS FOR THE LINE: WRITTEN PREMIUM: $ 18,454,980 EXPOSURES: 22,972 (11) ESTIMATED NUMBER OF N.C. EXPOSURES AFFECTED BY ONE OR MORE COMPONENTS OF THE AGGREGATE DEVIATION: CURRENT DEVIATION: 1,177 PROPOSED DEVIATION: N/A (12) PERCENTAGE OF COMPANY'S N.C. EXPOSURES AFFECTED BY ONE OR MORE COMPONENTS OF THE AGGREGATE DEVIATION: CURRENT DEVIATION: 100 % PROPOSED DEVIATION: N/A % (13) WHAT IS THE TOTAL DOLLAR AMOUNT OF PREMIUMS THAT WILL NOT BE COLLECTED ON THE PROPOSED DEVIATION ON AN ANNUAL BASIS AS A RESULT OF THIS DEVIATION? $ 0 FC-038 (03/01/02) Page 1 of 4 INS00789

38 (14) WHAT IS THE AVERAGE DOLLAR DIFFERENCE PER EXPOSURE FROM MANUAL RATES? $ 0 (15) INDICATE THE MAXIMUM DEVIATION POSSIBLE FOR ANY ONE INSURED. %-41.9 (16) INDICATE WHETHER THE DEVIATION MAY PRODUCE A PREMIUM GREATER THAN MANUAL FOR AN INDIVIDUAL INSURED: CURRENT DEVIATION: YES NO X PROPOSED DEVIATION: YES NO (17) IF EITHER ANSWER TO (16) IS YES, PROVIDE AN EXPLANATION: C. DEVIATION COMPONENTS (18) PROVIDE A LIST OF ALL THE INDIVIDUAL DEVIATION COMPONENTS. IDENTIFY EACH COMPONENT AS INTRODUCED AS PART OF A NEW DEVIATION (I), ADDED TO A CURRENT DEVIATION (A), CHANGED ON A CURRENT DEVIATION (C), NOT CHANGED ON A CURRENT DEVIATION (NC), OR ELIMINATED FROM A CURRENT DEVIATION (E). ATTACH A SEPARATE EXCEPTION PAGE FOR EACH COMPONENT EXPLAINING HOW THAT COMPONENT IS TO BE APPLIED. 1) Replacement Cost Contents: Increase Cov. C to 70 % of Cov. A for no additional charge. ISO Charge for HO still applies. (NC) 2) 15% Mass Merchandising discount for employees of Utica National Insurance Group. (NC) 3) 5% W.I.S.E/ Affinity program discount. (NC) 4) -5% territorial deviation for territories 5, 6, 41, 42, 43, 45, 46 Owners Forms, (NC) 5) -15% territorial deviation for territories 36, 44, 60 Owners Forms. (NC) 6) -10% territorial deviation for territories 38 & 39 Owners Forms. (NC) 7) -20% territorial deviation for territory 34 Owners Forms. (NC) 8) -18% territorial deviation for territory 57 Owners Forms. (NC) 9) -16% territorial deviation for territory 53 Owners Forms. (NC) 10) -15% territorial deviation for territory 32 Owners Forms. (NC) 11) -8% territorial deviation for territory 47 Owners Forms. (NC) 12) -15% territorial deviation for territory 36, 44, 57, 60 Non-Owners Forms. (NC) 13) -10% territorial deviation for territory 38 & 39 Non-Owners Forms. (NC) 14) -5% territorial deviation for territory 5, 6, 32, 34, 41, 42, 43, 45, 46, 47, 53Non-Owners Forms. (NC) 15) 10% Personal Lines account credit (NC) 16) HO Extension Package: certain criteria apply. (NC) FC-038 (03/01/02) Page 3 of 3 INS00789

39 17) Homeowners Suburban Rating Rule Deviation (I) 19) HAVE SEPARATE SUPPLEMENTS FOR EACH OF THE DEVIATION COMPONENTS (OTHER THAN THOSE IDENTIFIED AS NC) IN (18) BEEN ATTACHED? YES D. CERTIFICATION (20) I CERTIFY THAT THE INFORMATION CONTAINED IN THIS QUESTIONNAIRE AND THE ATTACHED EXHIBITS IS TRUE AND CORRECT AND THE FILING COMPLIES WITH STATUTORY REQUIREMENTS TO THE BEST OF MY KNOWLEDGE. (21) ACTUARIAL CERTIFICATION SIGNATURE OF COMPANY OFFICER/FILINGS DEPARTMENT HEAD I, George T. Dodd, AM A MEMBER OF THE CASUALTY ACTUARIAL SOCIETY AND AM QUALIFIED TO RENDER AN ACTUARIAL OPINION IN THIS MATTER. I HEREBY CERTIFY THAT EACH DEVIATION COMPONENT(S) PRESENTED IN THIS FILING IS CALCULATED IN ACCORDANCE WITH SOUND ACTUARIAL PRINCIPLES AND RESULTS IN RATES WHICH ARE NOT EXCESSIVE, INADEQUATE OR UNFAIRLY DISCRIMINATORY. SIGNATURE OF ACTUARY FC-038 (03/01/02) Page 3 of 3 INS00789

40 Effective March 1, 2007 Property & Casualty Transmittal Document 1. Reserved for Insurance Dept. Use Only 2. Insurance Department Use only a. Date the filing is received: b. Analyst: c. Disposition: d. Date of disposition of the filing: e. Effective date of filing: New Business Renewal Business f. State Filing #: g. SERFF Filing #: h. Subject Codes 3. Group Name Group NAIC # Utica National Insurance Group Company Name(s) Domicile NAIC # FEIN # State # Graphic Arts Mutual Insurance Company NY Company Tracking Number HO NC R01 Contact Info of Filer(s) or Corporate Officer(s) [include toll-free number] 6. Name and address Title Telephone #s FAX # Kathleen M. McSweeney Senior State Filings Coordinator kathleen.mcsweeney@uticanational.com 180 Genesee Street New Hartford NY Ext Signature of authorized filer 8. Please print name of authorized filer Kathleen M. McSweeney Filing Information (see General Instructions for descriptions of these fields) 9. Type of Insurance (TOI) 04.0 Homeowners 10. Sub-Type of Insurance (Sub-TOI) Homeowners Sub-TOI Combinations 11. State Specific Product code(s) (if applicable) [See State Specific Requirements] 12. Company Program Title (Marketing Title) Homeowners - Suburban Rating Rule 13. Filing Type Rate/Loss Cost Rules Rates/Rules Forms Combination Rates/Rules/Forms Withdrawal Other (give description) 14. Effective Date(s) Requested New: 08/01/2007 Renewal: 08/01/ Reference Filing? Yes No 16. Reference Organization (if applicable) 17. Reference Organization # & Title 18. Company's Date of Filing 04/10/ Status of filing in domicile Not Filed Pending Authorized Disapproved PC TD-1 pg 1 of National Association of Insurance Commissioners INS02074

41 Effective March 1, 2007 Property & Casualty Transmittal Document 20. This filing transmittal is part of Company Tracking # HO NC R Filing Description [This area can be used in lieu of a cover letter or filing memorandum and is free-form text] Our company would like to implement in your jurisdiction, our Suburban Rating Rule, which can be found in the attached manual pages. The suburban rating rule in intended to offer a credit to certain homes in suburban and rural areas rated as ISO Protection Class 9 displaying better fire protection characteristics. The proposed credit will be 10% for frame homes, and 5% for masonry. In the personal lines market place, it is commonplace for personal lines carriers to have a suburban rating rule. The following competitors have a rating rule: National Grange, Travelers, Preferred Mutual, General Casualty, Patrons Mutual, Peerless, State Auto, Hartford, and Metropolitan. We have reviewed these rules and used elements in the construction of our rule. 22. Filing Fees (Filer must provide check # and fee amount if applicable.) [If a state requires you to show how you calculated your filing fees, place that calculation below] Check #: Amount: N/A Refer to each state's checklist for additional state specific requirements or instructions on calculating fees. ***Refer to each state's checklist for additional state specific requirements (i.e. # of additional copies required, other state specific forms, etc.) PC TD-1 pg 2 of National Association of Insurance Commissioners INS02074

42 Effective March 1, 2007 PROPERTY & CASUALTY RATE/RULE FILING SCHEDULE (This form must be provided ONLY when making a filing that includes rate-related items such as Rate; Rule; Rate & Rule; Reference; Loss Cost; Loss Cost & Rule or Rate, etc.) (Do not refer to the body of the filing for the component/exhibit listing, unless allowed by state.) 1. This filing transmittal is part of Company Tracking # HO NC R01 2. This filing corresponds to form filing number (Company tracking number of form filing, if applicable) Rate Increase Rate Decrease Rate Neutral (0%) 3. Filing Method (Prior Approval, File & Use, Flex Band, etc.) Prior Approval 4a. Rate Change by Company (As Proposed) Company Name Overall % Indicated Change (when Applicable) Overall % Rate Impact Written Premium Change for this program # of policyholders affected for this program Graphic Arts Mutual Insurance Company Written premium for this program Maximum %Change (where required) Minimum %Change (where required) N/A N/A N/A N/A N/A N/A N/A 5. Overall Rate Information (Complete for Multiple Company Filings only) COMPANY USE STATE USE 5a. Overall percentage rate indication(when applicable) 5b. Overall percentage rate impact for this filing Effect of Rate Filing Written premium change for this 5c. program 5d. Effect of Rate Filing - Number of policyholders affected 6. Overall percentage of last rate revision 7. Effective Date of last rate revision 8. Filing Method of Last filing (Prior Approval, File & Use, Flex Band, etc.) 9. Rule # or Page # Submitted for Review 01 8-MP-288 G Ed Replacement or withdrawn? New Replacement Withdrawn Previous state filing number, if required by state PC New Replacement Withdrawn New Replacement Withdrawn New Replacement Withdrawn New Replacement Withdrawn PC RRFS National Association of Insurance Commissioners INS02076