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

Transcription

1 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Filing at a Glance Companies: Product Name: State: TOI: Sub-TOI: Filing Type: American Fire and Casualty Company The Ohio Casualty Insurance Company Ohio Security Insurance Company West American Insurance Company Comm Auto Tennessee 20.0 Commercial Auto Commercial Auto Combinations Rate/Rule Date Submitted: 02/19/2014 SERFF Tr Num: SERFF Status: LBRC Closed-Filed State Tr Num: State Status: Co Tr Num: Effective Date Requested (New): Effective Date Requested (Renewal): Author(s): Reviewer(s): Closed TN-CA-E-R 06/01/ /01/2014 Lori Hartleben Disposition Date: 02/20/2014 Disposition Status: Effective Date (New): Effective Date (Renewal): Charles Bullen (primary) Filed PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

2 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R General Information Project Name: 2014 ECLIQ Rate Revision Project Number: TN-CA-E-R Reference Organization: ISO Reference Title: Loss Costs Filing Status Changed: 02/20/2014 State Status Changed: 02/20/2014 Created By: Lori Hartleben Corresponding Filing Tracking Number: Status of Filing in Domicile: Domicile Status Comments: Reference Number: CA-2013-BRLA1 Advisory Org. Circular: LI-CA Deemer Date: Submitted By: Lori Hartleben Filing Description: Submitting: Company Exception Pages Replacing: Company Exception Pages ISO Adoptions: As members of the Insurance Services Office, we wish to advise the adoption of the following revision filed by ISO on our behalf for the above captioned companies. CA-2013-BRLA1 Revised Auto Advisory Prospective Loss Costs ISO Eff Date: Company Rating Changes: With this filing, we are amending our Commercial Auto Loss Cost Multipliers. Our revised Loss Cost Multipliers are shown on our actuarial exhibits page 1 through 6. The overall percentage of change is +2.2% with the company breakdown as follows: American Fire and Casualty Company 2.7% The Ohio Casualty Insurance Company 0.7% Ohio Security Insurance Company 2.1% West American Insurance Company 2.4% The actuarial exhibits accompanying this filing provide the underlying details supporting these changes. We are also filing a new company exception to Rule 22. (related to the adoption of CA-2011-RCP1 which we adopted in TN in the 2012 rate review filing SERFF Tracking # LBRC ). This filing is being implemented applicable to all policies written on or after June 1, Please feel free to contact me with any questions or concerns. We look forward to receiving your acknowledgement. Company and Contact Filing Contact Information Lori Hartleben, Product Technician III PO Box 8017 Wausau, WI lori.hartleben@libertymutual.com [Phone] 6658 [Ext] [FAX] PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

3 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Filing Company Information American Fire and Casualty Company SAFECO Plaza, Suite 2800 Seattle, WA (206) ext. [Phone] CoCode: Group Code: 111 Group Name: Liberty Mutual Group FEIN Number: State of Domicile: New Hampshire Company Type: Property and Casualty State ID Number: The Ohio Casualty Insurance Company SAFECO Plaza, Suite 2800 Seattle, WA (206) ext. [Phone] CoCode: Group Code: 111 Group Name: Liberty Mutual Group FEIN Number: State of Domicile: New Hampshire Company Type: Property and Casualty State ID Number: Ohio Security Insurance Company SAFECO Plaza, Suite 2800 Seattle, WA (206) ext. [Phone] CoCode: Group Code: 111 Group Name: Liberty Mutual Group FEIN Number: State of Domicile: New Hampshire Company Type: Property and Casualty State ID Number: West American Insurance Company SAFECO Plaza, Suite 2800 Seattle, WA (206) ext. [Phone] CoCode: Group Code: 111 Group Name: Liberty Mutual Group FEIN Number: State of Domicile: Indiana Company Type: Property and Casualty State ID Number: Filing Fees Fee Required? State Specific Yes Fee Amount: $35.00 Retaliatory? Yes Fee Explanation: 3 companies -AFC, OCI, OSI - domiciled in NH = $0 1 company- WAC-domiciled in IN = $35 Per Company: Yes Company Amount Date Processed Transaction # West American Insurance Company $ /19/ Have you read the General Instructions?: yes Have you read the Additional Information Requirements?: yes If a rate filing, have you completed the Rate Information as required?: yes PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

4 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Correspondence Summary Dispositions Status Created By Created On Date Submitted Filed Charles Bullen 02/20/ /20/2014 PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

5 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Disposition Disposition Date: 02/20/2014 Effective Date (New): Effective Date (Renewal): Status: Filed Comment: Company Overall % Indicated Overall % Rate Written Premium Change for Number of Policy Holders Affected Name: Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd): American Fire and 9.900% 2.700% $16, $620, % % Casualty Company The Ohio Casualty 9.900% 0.700% $ $139, % % Insurance Company Ohio Security Insurance 9.900% 2.100% $26, $1,273, % % Company West American Insurance 9.900% 2.400% $4, $188, % % Company Overall Rate Information for Multiple Company Filings Overall Percentage Rate Indicated For This Filing 9.900% Overall Percentage Rate Impact For This Filing 2.200% Effect of Rate Filing-Written Premium Change For This Program $48,610 Effect of Rate Filing - Number of Policyholders Affected 450 Written Premium for Maximum % Change Minimum % Change Schedule Schedule Item Schedule Item Status Public Access Supporting Document Detailed Filing Overview Yes Supporting Document Third Party Authorization Yes Supporting Document Filing Fees For Property and Casualty Yes Supporting Document Investment Income Yes Supporting Document Side-by-Side Comparison - Form and/or Rule Yes Supporting Document TN Loss Cost Adoption or Rate Justification for Yes Commercial Lines Rate Company Exception Pages Yes PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

6 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Schedule Schedule Item Schedule Item Status Public Access Rate Company Exception Page Rule 22. Premium Yes Development-Other Than Zone-Rated Autos PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

7 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Rate Information Rate data applies to filing. Filing Method: Use and File Rate Change Type: Increase Overall Percentage of Last Rate Revision: 4.000% Effective Date of Last Rate Revision: 07/01/2013 Filing Method of Last Filing: Use and File Company Rate Information Company Name: American Fire and Casualty Company The Ohio Casualty Insurance Company Ohio Security Insurance Company West American Insurance Company Overall % Overall % Written Premium Number of Policy Written Maximum % Minimum % Indicated Rate Change for Holders Affected Premium for Change Change Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd): 9.900% 2.700% $16, $620, % % 9.900% 0.700% $ $139, % % 9.900% 2.100% $26, $1,273, % % 9.900% 2.400% $4, $188, % % PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

8 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Rate/Rule Schedule Item Schedule Item Previous State No. Status Exhibit Name Rule # or Page # Rate Action Filing Number Attachments 1 Company Exception Pages Manual Rules Replacement TN CA ECL Filing 0614.pdf 2 Company Exception Page 1st Edition New RU22 AUTO MU 0214E.pdf Rule 22. Premium Development-Other Than Zone-Rated Autos PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

9 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES RULE - COMPANY MULTIPLIERS Ohio Casualty Insurance Company (OCI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A West American Insurance Company (WAM) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A American Fire and Casualty Company (AFC) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A

10 Ohio Security Insurance Company (OSI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A These LCM's should be used together with ISO's CA-2013-BRLA1 (2/1/14) loss cost circular and CA-2012-IALL1 (2/1/13) ILF circular, including any adopted updates to the CA-2012-IALL1 circular which involve only changes to limits and which have no overall rate impact. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2014 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.

11 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES COMMERCIAL AUTOMOBILE LIABILITY EXPERIENCE AND SCHEDULE RATING PLAN ISO s April 1, 2008 edition of Liability Experience and Schedule Rating Plans, filed under designation number RP-2007-RAL07 should be applied. 2. ELIGIBILITY Paragraph C. is replaced by the following: C. Expected Loss Ratio Expenses are not taken into consideration in the parameters of this plan. Instead, individual companies must multiply their basic limits premiums by their own Expected Loss Ratio (ELR) to produce the annual basic limits company loss costs (basic limits expected losses) for the risk which is being rated under this plan. In this context, company ELR represents the company's manual provision for losses. For the purposes of this rating plan, the ELR used in these calculations shall be 54.1%. Paragraph D. is replaced with the following: D. Eligibility For Experience Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 5 vehicles. 2. All Others - $ Experience Rating is not applicable in Ohio Security Insurance Company. Paragraph E. is replaced with the following: E. Eligibility For Schedule Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 1 vehicle. 2. All Others - $ DETERMINATION OF EXPERIENCE MODIFICATION Paragraph D. is replaced by the following: D. Basic Limits Losses To Be Included In Experience Modification Calculation 8. SCHEDULE RATING Do not include allocated claim expenses in the experience modification calculation. Rule 8. is replaced by the following: A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table with a maximum credit or debit of 50% available, to reflect such characteristics of the risk as are not reflected in its experience.

12 Risk Characteristic Description Range of Modifications Credit Debit Management Cooperation with insurance company, revision of schedules, routes and practices to conform 15% to 15% with insurer recommendations. Employees Selection, training, supervision, experience and basis of 15% to 15% remuneration. Equipment Type, condition, servicing, risk's own repair facilities, safety equipment and driver's reports on 15% to 15% conditions. Safety Organization Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers, safety director, accident reports and records. 15% to 15% 14. CREDIBILITY AND MAXIMUM SINGLE LOSS TABLES Rule 14 is amended as follows: The initial entry point for Company Subject Loss Cost in Table 14. is reduced to $250. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2014 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.

13 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES COMMERCIAL AUTOMOBILE PHYSICAL DAMAGE EXPERIENCE AND SCHEDULE RATING PLAN ISO s April 1, 2008 edition of Physical Damage Experience and Schedule Rating Plans, filed under designation number RP-2007-RPD07 should be applied. 2. ELIGIBILITY Paragraph B. is replaced by the following: B. Expected Loss Ratio Expenses are not taken into consideration in the parameters of this plan. Instead, individual companies must multiply their basic limits premiums by their own Expected Loss Ratio (ELR) to produce the annual basic limits company loss costs (basic limits expected losses) for the risk which is being rated under this plan. In this context, company ELR represents the company's manual provision for losses. For the purposes of this rating plan, the ELR used in these calculations shall be 55.7%. Paragraph C. is replaced with the following: C. Eligibility For Experience Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 5 vehicles. 2. All Others - $ Experience Rating is not applicable in Ohio Security Insurance Company. Paragraph D. is replaced with the following: D. Eligibility For Schedule Rating - is amended to show the following criteria: 1. For owned autos, with or without Hired and/or Non-Owned Auto 1 vehicle. 2. All Others - $ SCHEDULE RATING Rule 8. is replaced by the following: A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table with a maximum credit or debit of 50% available, to reflect such characteristics of the risk as are not reflected in its experience.

14 Risk Characteristic Description Range of Modifications Credit Debit Management Cooperation with insurance company, revision of schedules, routes and practices to conform 15% to 15% with insurer recommendations. Employees Selection, training, supervision, experience and basis of remuneration. 15% to 15% Equipment Safety Organization Type, condition, servicing, risk's own repair facilities, safety equipment and driver's reports on conditions. Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers, safety director, accident reports and records. 15% to 15% 15% to 15% 11. CREDIBILITY AND MAXIMUM SINGLE LOSS TABLES Rule 11 is amended as follows: The initial entry point for Company Subject Loss Cost in Table 11. is reduced to $250. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2014 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.

15 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE EXCEPTION PAGES COMPANY EXCEPTION 22. PREMIUM DEVELOPMENT OTHER THAN ZONE-RATED AUTOS Paragraph C.3.c. is replaced with the following: C. Premium Computation 3. Physical Damage s c. Determine the physical damage base premium by multiplying the age and original cost new factors from Rule 101. by the appropriate state company rates/iso loss costs. For additional deductibles, refer to Rule 98. For truck-tractors and any trucks, trailers and semi-trailers capable of dumping their loads, multiply the collision premium by the following factor: Factor st Edition Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1

16 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Supporting Document Schedules Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Detailed Filing Overview refer to Filing Description in General Information tab Third Party Authorization N/A Filing Fees For Property and Casualty Used EFT - retaliatory fees apply Investment Income N/A Side-by-Side Comparison - Form and/or Rule TN CA ECL Filing 0614 side by sides.pdf TN Loss Cost Adoption or Rate Justification for Commercial Lines PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

17 SERFF Tracking #: LBRC State Tracking #: Company Tracking #: TN-CA-E-R State: Tennessee First Filing Company: American Fire and Casualty Company,... TOI/Sub-TOI: 20.0 Commercial Auto/ Commercial Auto Combinations Product Name: Comm Auto Project Name/Number: 2014 ECLIQ Rate Revision/ TN-CA-E-R Attachment(s): Item Status: Status Date: TN CA_Impact_Shell_eCLIQ.pdf TN Expense_Multiplier exhibits.pdf TN ecliq Exhibit A & B.pdf TNRFAF_AFC.pdf TNRFAF_OCI.pdf TNRFAF_WAC.pdf TNRFAF_OSI.pdf PDF Pipeline for SERFF Tracking Number LBRC Generated 02/21/ :16 AM

18 Summary 2/18/2014 2:33:24 PM Differences exist between documents. New Document: TN CA ECL Filing pages (132 KB) 2/18/2014 2:33:20 PM Used to display results. Old Document: TN CA ECL pgs 0713 for side by side 6 pages (135 KB) 2/18/2014 2:33:20 PM Get started: first change is on page 1. No pages were deleted How to read this report Highlight indicates a change. Deleted indicates deleted content. indicates pages were changed. indicates pages were moved. file://nourlprovided[2/18/2014 2:33:25 PM]

19 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES RULE - COMPANY MULTIPLIERS Ohio Casualty Insurance Company (OCI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A West American Insurance Company (WAM) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A American Fire and Casualty Company (AFC) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A

20 Ohio Security Insurance Company (OSI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A These LCM's should be used together with ISO's CA-2013-BRLA1 (2/1/14) loss cost circular and CA-2012-IALL1 (2/1/13) ILF circular, including any adopted updates to the CA-2012-IALL1 circular which involve only changes to limits and which have no overall rate impact. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2014 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.

21 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES COMMERCIAL AUTOMOBILE LIABILITY EXPERIENCE AND SCHEDULE RATING PLAN ISO s April 1, 2008 edition of Liability Experience and Schedule Rating Plans, filed under designation number RP-2007-RAL07 should be applied. 2. ELIGIBILITY Paragraph C. is replaced by the following: C. Expected Loss Ratio Expenses are not taken into consideration in the parameters of this plan. Instead, individual companies must multiply their basic limits premiums by their own Expected Loss Ratio (ELR) to produce the annual basic limits company loss costs (basic limits expected losses) for the risk which is being rated under this plan. In this context, company ELR represents the company's manual provision for losses. For the purposes of this rating plan, the ELR used in these calculations shall be 54.1%. Paragraph D. is replaced with the following: D. Eligibility For Experience Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 5 vehicles. 2. All Others - $ Experience Rating is not applicable in Ohio Security Insurance Company. Paragraph E. is replaced with the following: E. Eligibility For Schedule Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 1 vehicle. 2. All Others - $ DETERMINATION OF EXPERIENCE MODIFICATION Paragraph D. is replaced by the following: D. Basic Limits Losses To Be Included In Experience Modification Calculation 8. SCHEDULE RATING Do not include allocated claim expenses in the experience modification calculation. Rule 8. is replaced by the following: A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table with a maximum credit or debit of 50% available, to reflect such characteristics of the risk as are not reflected in its experience.

22 Risk Characteristic Description Range of Modifications Credit Debit Management Cooperation with insurance company, revision of schedules, routes and practices to conform 15% to 15% with insurer recommendations. Employees Selection, training, supervision, experience and basis of 15% to 15% remuneration. Equipment Type, condition, servicing, risk's own repair facilities, safety equipment and driver's reports on 15% to 15% conditions. Safety Organization Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers, safety director, accident reports and records. 15% to 15% 14. CREDIBILITY AND MAXIMUM SINGLE LOSS TABLES Rule 14 is amended as follows: The initial entry point for Company Subject Loss Cost in Table 14. is reduced to $250. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2014 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.

23 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES COMMERCIAL AUTOMOBILE PHYSICAL DAMAGE EXPERIENCE AND SCHEDULE RATING PLAN ISO s April 1, 2008 edition of Physical Damage Experience and Schedule Rating Plans, filed under designation number RP-2007-RPD07 should be applied. 2. ELIGIBILITY Paragraph B. is replaced by the following: B. Expected Loss Ratio Expenses are not taken into consideration in the parameters of this plan. Instead, individual companies must multiply their basic limits premiums by their own Expected Loss Ratio (ELR) to produce the annual basic limits company loss costs (basic limits expected losses) for the risk which is being rated under this plan. In this context, company ELR represents the company's manual provision for losses. For the purposes of this rating plan, the ELR used in these calculations shall be 55.7%. Paragraph C. is replaced with the following: C. Eligibility For Experience Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 5 vehicles. 2. All Others - $ Experience Rating is not applicable in Ohio Security Insurance Company. Paragraph D. is replaced with the following: D. Eligibility For Schedule Rating - is amended to show the following criteria: 1. For owned autos, with or without Hired and/or Non-Owned Auto 1 vehicle. 2. All Others - $ SCHEDULE RATING Rule 8. is replaced by the following: A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table with a maximum credit or debit of 50% available, to reflect such characteristics of the risk as are not reflected in its experience.

24 Risk Characteristic Description Range of Modifications Credit Debit Management Cooperation with insurance company, revision of schedules, routes and practices to conform 15% to 15% with insurer recommendations. Employees Selection, training, supervision, experience and basis of remuneration. 15% to 15% Equipment Safety Organization Type, condition, servicing, risk's own repair facilities, safety equipment and driver's reports on conditions. Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers, safety director, accident reports and records. 15% to 15% 15% to 15% 11. CREDIBILITY AND MAXIMUM SINGLE LOSS TABLES Rule 11 is amended as follows: The initial entry point for Company Subject Loss Cost in Table 11. is reduced to $250. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2014 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.

25 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES RULE - COMPANY MULTIPLIERS Ohio Casualty Insurance Company (OCI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A West American Insurance Company (WAM) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A American Fire and Casualty Company (AFC) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A

26 Ohio Security Insurance Company (OSI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A These LCM's should be used together with ISO's CA-2012-BRLA1 (2/1/13) loss cost circular and CA-2012-IALL1 (2/1/13) ILF circular, including any adopted updates to the CA-2012-IALL1 circular which involve only changes to limits and which have no overall rate impact. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2013 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office, Inc., with its permission.

27 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES COMMERCIAL AUTOMOBILE LIABILITY EXPERIENCE AND SCHEDULE RATING PLAN ISO s April 1, 2008 edition of Liability Experience and Schedule Rating Plans, filed under designation number RP-2007-RAL07 should be applied. 2. ELIGIBILITY Paragraph C. is replaced by the following: C. Expected Loss Ratio Expenses are not taken into consideration in the parameters of this plan. Instead, individual companies must multiply their basic limits premiums by their own Expected Loss Ratio (ELR) to produce the annual basic limits company loss costs (basic limits expected losses) for the risk which is being rated under this plan. In this context, company ELR represents the company's manual provision for losses. For the purposes of this rating plan, the ELR used in these calculations shall be 52.5%. Paragraph D. is replaced with the following: D. Eligibility For Experience Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 5 vehicles. 2. All Others - $ Experience Rating is not applicable in Ohio Security Insurance Company. Paragraph E. is replaced with the following: E. Eligibility For Schedule Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 1 vehicle. 2. All Others - $ DETERMINATION OF EXPERIENCE MODIFICATION Paragraph D. is replaced by the following: D. Basic Limits Losses To Be Included In Experience Modification Calculation 8. SCHEDULE RATING Do not include allocated claim expenses in the experience modification calculation. Rule 8. is replaced by the following: A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table with a maximum credit or debit of 50% available, to reflect such characteristics of the risk as are not reflected in its experience.

28 Risk Characteristic Description Range of Modifications Credit Debit Management Cooperation with insurance company, revision of schedules, routes and practices to conform 15% to 15% with insurer recommendations. Employees Selection, training, supervision, experience and basis of 15% to 15% remuneration. Equipment Type, condition, servicing, risk's own repair facilities, safety equipment and driver's reports on 15% to 15% conditions. Safety Organization Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers, safety director, accident reports and records. 15% to 15% 14. CREDIBILITY AND MAXIMUM SINGLE LOSS TABLES Rule 14 is amended as follows: The initial entry point for Company Subject Loss Cost in Table 14. is reduced to $250. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2013 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office, Inc., with its permission.

29 TENNESSEE COMMERCIAL LINES MANUAL DIVISION ONE - AUTOMOBILE EXCEPTION PAGES COMMERCIAL AUTOMOBILE PHYSICAL DAMAGE EXPERIENCE AND SCHEDULE RATING PLAN ISO s April 1, 2008 edition of Physical Damage Experience and Schedule Rating Plans, filed under designation number RP-2007-RPD07 should be applied. 2. ELIGIBILITY Paragraph B. is replaced by the following: B. Expected Loss Ratio Expenses are not taken into consideration in the parameters of this plan. Instead, individual companies must multiply their basic limits premiums by their own Expected Loss Ratio (ELR) to produce the annual basic limits company loss costs (basic limits expected losses) for the risk which is being rated under this plan. In this context, company ELR represents the company's manual provision for losses. For the purposes of this rating plan, the ELR used in these calculations shall be 55.5%. Paragraph C. is replaced with the following: C. Eligibility For Experience Rating 1. For owned autos, with or without Hired and/or Non-Owned Auto 5 vehicles. 2. All Others - $ Experience Rating is not applicable in Ohio Security Insurance Company. Paragraph D. is replaced with the following: D. Eligibility For Schedule Rating - is amended to show the following criteria: 1. For owned autos, with or without Hired and/or Non-Owned Auto 1 vehicle. 2. All Others - $ SCHEDULE RATING Rule 8. is replaced by the following: A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table with a maximum credit or debit of 50% available, to reflect such characteristics of the risk as are not reflected in its experience.

30 Risk Characteristic Description Range of Modifications Credit Debit Management Cooperation with insurance company, revision of schedules, routes and practices to conform 15% to 15% with insurer recommendations. Employees Selection, training, supervision, experience and basis of remuneration. 15% to 15% Equipment Safety Organization Type, condition, servicing, risk's own repair facilities, safety equipment and driver's reports on conditions. Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers, safety director, accident reports and records. 15% to 15% 15% to 15% 11. CREDIBILITY AND MAXIMUM SINGLE LOSS TABLES Rule 11 is amended as follows: The initial entry point for Company Subject Loss Cost in Table 14. is reduced to $250. LIBERTY MUTUAL AGENCY CORPORATION COMPANIES 2013 Liberty Mutual Insurance Includes copyrighted material of Insurance Services Office, Inc., with its permission.

31 Liberty Mutual Agency Markets / Montgomery Insurance Companies / ecliq Tennessee Commercial Lines Rate Review January, 2014 Summary of Commercial Auto ISO and LCM Impacts Overall Impact (1) (2) (3) (4) (5) (5) Premium ISO LCM Impact of Inforce Combined Combined SmartRisk Total Impact Impact Changes Impact OCI 139, % -6.9% 0.0% 0.7% WAM 188, % -4.9% 0.0% 2.4% AFC 620, % -7.9% 0.0% 2.7% OSI 1,273, % -4.7% 0.0% 2.1% Overall 2,221, % -5.8% 0.0% 2.2% LC/LCM IMPACT BY COVERAGE OCI WAM AFC OSI OVERALL ALL TYPES PIF Count Liability -0.7% 1.1% -0.2% 0.8% 0.4% Physical Damage 5.4% 6.6% 9.2% 6.2% 7.2% TOTAL 0.7% 2.4% 2.7% 2.1% 2.2% TTT Liability -0.7% 1.2% -0.2% 0.5% 0.3% Physical Damage 7.0% 10.2% 10.3% 9.2% 9.6% TOTAL 0.9% 3.0% 3.0% 2.4% 2.5% PPT Liability -1.1% 0.7% -0.2% 1.6% 1.2% Physical Damage -2.8% -0.1% -0.3% 1.3% 0.8% TOTAL -1.7% 0.5% -0.2% 1.5% 1.0% Garage Liability Physical Damage -11.0% -9.2% -11.1% -9.2% -9.4% TOTAL -11.0% -9.2% -11.1% -9.2% -9.4% Public Auto - Schools/Church Buses Liability % 3.4% Physical Damage % 11.1% TOTAL % 5.6% Public Auto - All Other Liability % % Physical Damage % 6.6% 8.2% TOTAL % 6.6% 1.0% Miscellaneous Liability -1.2% 0.9% -1.2% 1.0% 0.6% Physical Damage 9.8% 10.9% 8.5% 10.0% 9.8% TOTAL 1.2% 3.8% 3.1% 3.5% 3.3%

32 Liberty Mutual Agency Markets / Montgomery Insurance Companies / ecliq Tennessee Commercial Lines Rate Review January, 2014 Commercial Auto ISO and LCM Impacts - All Companies This filing includes the adoption of the ISO circulars listed below: CA-2013-BRLA1 (2/1/14) Vehicle Type/ Premium ISO Change LCM Change Combined LC/LCM Change Trucks, Tractors, Trailers - Light Liability 557, % -4.4% -0.8% Med Pay 24, % 9.4% 11.7% UM/UIM 49, % 6.2% 6.2% TOTAL LIABILITY 632, % -3.1% 0.3% Other than Collision 52, % -7.3% 11.7% Collision 124, % -12.8% 8.0% TOTAL PHYSICAL DAMAGE 176, % -11.2% 9.1% CLASS TOTAL 808, % -5.1% 2.2% Trucks, Tractors, Trailers - Medium Liability 217, % -4.9% -0.1% Med Pay 7, % 9.3% 12.5% UM/UIM 14, % 5.9% 5.9% TOTAL LIABILITY 239, % -3.8% 0.6% Other than Collision 14, % -7.9% 13.5% Collision 42, % -13.4% 9.1% TOTAL PHYSICAL DAMAGE 57, % -12.0% 10.2% CLASS TOTAL 297, % -5.6% 2.5% Trucks, Tractors, Trailers - Heavy Liability 279, % -5.2% 0.2% Med Pay 4, % 9.0% 13.9% UM/UIM 12, % 5.5% 5.5% TOTAL LIABILITY 296, % -4.6% 0.7% Other than Collision 22, % -8.3% 14.0% Collision 104, % -13.8% 10.1% TOTAL PHYSICAL DAMAGE 126, % -12.8% 10.8% CLASS TOTAL 423, % -7.4% 3.7% Trucks, Tractors, Trailers - Extra Heavy Liability 112, % -4.5% -1.8% Med Pay 2, % 9.2% 10.9% UM/UIM 4, % 6.2% 6.2% TOTAL LIABILITY 118, % -3.9% -1.3% Other than Collision 5, % -7.4% 9.7% Collision 26, % -12.8% 6.7% TOTAL PHYSICAL DAMAGE 32, % -11.9% 7.2% CLASS TOTAL 151, % -5.8% 0.5% Trucks, Tractors, Trailers - Other Liability 13, % -4.5% -1.1% Med Pay % 9.3% 12.0% UM/UIM 6, % 6.3% 6.3% TOTAL LIABILITY 20, % -0.9% 1.5% Other than Collision 4, % -7.5% 11.9% Collision 9, % -12.9% 6.3% TOTAL PHYSICAL DAMAGE 13, % -11.0% 8.2% CLASS TOTAL 34, % -5.4% 4.2% All TTT Classes TOTAL LIABILITY 1,307, % -3.6% 0.3% TOTAL PHYSICAL DAMAGE 407, % -11.9% 9.6% CLASS TOTAL 1,715, % -5.8% 2.5%

33 Liberty Mutual Agency Markets / Montgomery Insurance Companies / ecliq Tennessee Commercial Lines Rate Review January, 2014 Commercial Auto ISO and LCM Impacts - All Companies This filing includes the adoption of the ISO circulars listed below: CA-2013-BRLA1 (2/1/14) Vehicle Type/ Premium ISO Change LCM Change Combined LC/LCM Change Private Passenger Types Liability 200, % -4.4% 0.0% Med Pay 7, % 9.4% 11.2% UM/UIM 32, % 6.2% 6.2% TOTAL LIABILITY 240, % -2.6% 1.2% Other than Collision 20, % -7.3% 19.0% Collision 77, % -12.7% -4.1% TOTAL PHYSICAL DAMAGE 98, % -11.4% 0.8% CLASS TOTAL 338, % -5.3% 1.0% Garage - Keepers Other than Collision 15, % -7.1% -7.1% Collision 11, % -12.5% -12.5% CLASS TOTAL 27, % -9.4% -9.4% All Garage Classes TOTAL PHYSICAL DAMAGE 27, % -9.4% -9.4% CLASS TOTAL 27, % -9.4% -9.4% Public - School/Church Buses Liability % -4.0% 2.1% Med Pay % 9.9% 9.9% UM/UIM % 6.7% 6.7% TOTAL LIABILITY % -1.3% 3.4% Other than Collision % -6.9% 19.3% Collision % -12.3% 6.2% TOTAL PHYSICAL DAMAGE % -10.2% 11.1% CLASS TOTAL 1, % -4.1% 5.6% Public - All Other Liability 2, % -6.0% -1.4% Med Pay % 7.6% 11.9% UM/UIM % 4.4% 4.4% TOTAL LIABILITY 2, % -4.6% -0.3% Other than Collision % -8.2% 11.2% Collision % -13.7% 6.6% TOTAL PHYSICAL DAMAGE % -11.8% 8.2% CLASS TOTAL 3, % -5.9% 1.0% All Publics Classes TOTAL LIABILITY 3, % -3.8% 0.6% TOTAL PHYSICAL DAMAGE % -11.2% 9.4% CLASS TOTAL 4, % -5.4% 2.2% Miscellaneous/All Other Liability 95, % -4.3% 0.5% Med Pay % 9.6% 14.5% UM/UIM % 6.5% 6.5% TOTAL LIABILITY 95, % -4.2% 0.6% Other than Collision 36, % -7.4% 11.0% Collision 3, % -12.5% -4.5% TOTAL PHYSICAL DAMAGE 39, % -7.8% 9.8% CLASS TOTAL 135, % -5.4% 3.3% GRAND TOTAL ALL CLASSES Liability 1,478, % -4.6% -0.4% Med Pay 47, % 9.3% 11.9% UM/UIM 121, % 6.1% 6.1% TOTAL LIABILITY 1,647, % -3.5% 0.4% Other than Collision 173, % -7.5% 11.1% Collision 400, % -13.1% 5.5% TOTAL PHYSICAL DAMAGE 573, % -11.4% 7.2% GRAND TOTAL 2,221, % -5.8% 2.2%

34 Proposed Commercial Auto Loss Cost Multipliers (LCM's) for Tennessee All territories Ohio Casualty Insurance Company (OCI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A West American Insurance Company (WAM) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A American Fire and Casualty Company (AFC) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A Ohio Security Insurance Company (OSI) Trucks, Tractors, Trailers - Light N/A Trucks, Tractors, Trailers - Medium N/A Trucks, Tractors, Trailers - Heavy N/A Trucks, Tractors, Trailers - Extra Heavy N/A Trucks, Tractors, Trailers - Other N/A Private Passenger Types N/A Garage - Dealers N/A Garage - Keepers N/A N/A N/A N/A Public - School/Church Buses N/A Public - All Other N/A Miscellaneous/All Other N/A These LCM's should be used together with ISO's CA-2013-BRLA1 (2/1/14) loss cost circular and CA-2012-IALL1 (2/1/13) ILF circular, including any adopted updates to the CA-2012-IALL1 circular which involve only changes to limits and which have no overall rate impact.

35 % Change in LCM's for Tennessee All territories Ohio Casualty Insurance Company (OCI) Trucks, Tractors, Trailers - Light -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Medium -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Heavy -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Extra Heavy -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Other -6.0% -8.9% -14.2% 4.4% 7.6% N/A Private Passenger Types -6.0% -8.9% -14.2% 4.4% 7.6% N/A Garage - Dealers -6.0% -8.9% -14.2% 4.4% 7.6% N/A Garage - Keepers N/A -8.9% -14.2% N/A N/A N/A Public - School/Church Buses -6.0% -8.9% -14.2% 4.4% 7.6% N/A Public - All Other -6.0% -8.9% -14.2% 4.4% 7.6% N/A Miscellaneous/All Other -6.0% -8.9% -14.2% 4.4% 7.6% N/A West American Insurance Company (WAM) Trucks, Tractors, Trailers - Light -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Medium -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Heavy -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Extra Heavy -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Other -4.0% -6.9% -12.3% 6.7% 9.9% N/A Private Passenger Types -4.0% -6.9% -12.3% 6.7% 9.9% N/A Garage - Dealers -4.0% -6.9% -12.3% 6.7% 9.9% N/A Garage - Keepers N/A -6.9% -12.3% N/A N/A N/A Public - School/Church Buses -4.0% -6.9% -12.3% 6.7% 9.9% N/A Public - All Other -4.0% -6.9% -12.3% 6.7% 9.9% N/A Miscellaneous/All Other -4.0% -6.9% -12.3% 6.7% 9.9% N/A American Fire and Casualty Company (AFC) Trucks, Tractors, Trailers - Light -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Medium -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Heavy -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Extra Heavy -6.0% -8.9% -14.2% 4.4% 7.6% N/A Trucks, Tractors, Trailers - Other -6.0% -8.9% -14.2% 4.4% 7.6% N/A Private Passenger Types -6.0% -8.9% -14.2% 4.4% 7.6% N/A Garage - Dealers -6.0% -8.9% -14.2% 4.4% 7.6% N/A Garage - Keepers N/A -8.9% -14.2% N/A N/A N/A Public - School/Church Buses -6.0% -8.9% -14.2% 4.4% 7.6% N/A Public - All Other -6.0% -8.9% -14.2% 4.4% 7.6% N/A Miscellaneous/All Other -6.0% -8.9% -14.2% 4.4% 7.6% N/A Ohio Security Insurance Company (OSI) Trucks, Tractors, Trailers - Light -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Medium -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Heavy -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Extra Heavy -4.0% -6.9% -12.3% 6.7% 9.9% N/A Trucks, Tractors, Trailers - Other -4.0% -6.9% -12.3% 6.7% 9.9% N/A Private Passenger Types -4.0% -6.9% -12.3% 6.7% 9.9% N/A Garage - Dealers -4.0% -6.9% -12.3% 6.7% 9.9% N/A Garage - Keepers N/A -6.9% -12.3% N/A N/A N/A Public - School/Church Buses -4.0% -6.9% -12.3% 6.7% 9.9% N/A Public - All Other -4.0% -6.9% -12.3% 6.7% 9.9% N/A Miscellaneous/All Other -4.0% -6.9% -12.3% 6.7% 9.9% N/A