The Pennsylvania Insurance ADVISOR

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1 A Property & Casualty Publication at Work for You. June 2015 Quote of the Month In order to succeed, we must first believe that we can. Nikos Kazantzakis Inside The Horace Mann - PP Auto... 2 GEICO - Motorcycle... 2 Homesite - HO... 3 Donegal - HO... 3 Allstate - Manufactured Home... 3 Hiscox - Community Association 3 State Farm - CMP... 3 Merchants Mutual - Golf... 3 LCM s of the Month... 4 Zurich - Auto Dealers... 4 BITCO - Drones... 4 State National - Repossession... 4 Travelers - Investment Adviser s.. 5 AmTrust - Euclid Management... 5 Hartford - Asset Management... 5 MDAdvantage - P&S... 5 AIG - Human Services... 5 More Approved Filings CSAA / Private Passenger Auto CSAA General Insurance increased rates 7.00% overall to their Private Passenger Auto Program effective J uly 1, Changes wer e made to Base Rates, Loyalty Discounts, Model Year Factors, and ZIP Code Relativity Factors. The chart below shows the overall rate effect by coverage. Coverage BI PD MP COLL RENTAL OVERALL Rate Effect +7.00% +9.00% % +4.50% % +7.00% Grange / Private Passenger Auto Trustgard Insurance increased rates 4.20% overall to their Private Passenger Auto Program effective August 1, 2015, for new business and September 1, 2015, for r enewals. Changes were made specifically to Base Rates. Farmers / Private Passenger Auto Mid-Century Insurance increased rates 8.00% overall to their Private Passenger Auto Program effective J uly 27, 2015, for new business and August 25, 2015, for r enewals. Changes were made specifically to Base Rates and Territory Relativity Factors for all territories. The chart below shows the overall rate effect by coverage. Coverage BI PD UM COLL OVERALL Rate Effect +6.00% % % +6.60% +8.00% MMG / Private Passenger Auto MMG Insurance introduced a new Private Passenger Auto Program effective August 1, This new proprietary program will be used for all new business. Rates were developed based on the results of adopting a generalized linear modeling with adjustments for Pennsylvania regulation, the Pennsylvania marketplace and MMG strategic goals. They also increased rates 12.00% overall to their current Private Passenger Auto Program that will now be used for renewal business only. Other M&C Products D ID Y O U KNOW: M&C is the ONLY third-party authorized SERFF filer with a proprietary rate, rule and form library. Mortgage Guaranty Rate Tracker Auto Rate Tracker Med Mal Rate Tracker Liberty Mutual / Private Passenger Auto LM General Insurance and LM Insurance Corporation increased rates 6.00% overall to their Private Passenger Auto Program effective July 16, 2015, for new business and August 20, 2015, for renewals. Changes were made specifically to Base Rates. A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

2 More to offer from M&C Bureau Monitoring This Web-based product Tracks Bureau circulars and bulletins. A tool to assist carriers with their compliance efforts. Status Report State filing clients can access this product to track the status of multi-state and multi-line filing projects. Features alerts and export options. If you read about it... and want to know more about it... You can GET A COPY of it... your request to: [email protected] Fax your request to: Cost: $1 per page $55 minimum charge per filing All filings are backed by The guarantee. Corporate Subscriptions are available. Filings are available COUNTRYWIDE. Block Pricing is available. Call FD is an online searchable Rate, Rule, Form filing library dating back to [email protected] Horace Mann / Private Passenger Auto Horace Mann Property and Casualty Insurance decreased rates 0.60% overall (indicated change was %) to their Private Passenger Auto Program effective September 16, Changes were made to Base Rates across selected Territories consisting of the Philadelphia suburbs including Reading and parts of Bucks, Montgomery, Chester and Delaware Counties. Subscriber Feedback regarding The : This is a great publication. Nationwide / Private Passenger Auto Depositors Insurance increased rates 4.00% overall to their Class M Private Passenger Auto Program effective August 24, 2015, for new business and October 23, 2015, for renewals. Changes were made to Base Rates for Bodily Injury, Property Damage, Comprehensive and Collision. They also reduced the discount for Group Partnerships. GEICO / Motorcycle GEICO Indemnity increased rates 3.90% overall to their Motorcycle Program effective May 7, 2015, for new business and June 22, 2015, for renewals. Changes were made to Base Rates for Uninsured Motorists, Underinsured Motorists, Medical Payments and Collision. The Pennsylvania Insurance Paul P. Martin Publisher Thomas E. Smith Editor Feature Editor Matthew Heilmann Martin &, Publisher, is dedicated to providing reliable insurance information through quality publications, product research and development, and our state filing service. All filings mentioned in the Advisor have received approval, unless other wise indicated. Material presented is from a variety of sources believed reliable, but accuracy cannot be guaranteed. Martin &, Publisher. Yearly subscription prices are $524 for Agencies and $615 for Companies for each copy. Multiple subscriptions (3 or more) to that same address are available at a discounted price. To receive photocopying redistribution authorization call and ask about our ELECTRONIC and CORPORATE SUBSCRIPTIONS. Subscriptions & Comments: Martin &, Publisher P.O. Box 70, Edgemont, PA Call: Fax: ~ [email protected] Photocopying, or fax of this newsletter, in full and/or in par t, for distribution or circulation to other individuals or employees violates the U.S. copyright law. As a subscriber you agree that making copies is a violation and your company will be subject to additional charges and subscription costs. Exceptions may be granted. Please call if you desire special consideration. 2 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE Jun Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

3 Homesite / Homeowners Homesite Insurance of the Midwest introduced their new Homeowners Program effective April 24, This new product will utilize a By-Peril Rating Plan that will use 12 different components, 11 of which are associated with a specific peril and one of which is endorsement-specific. Components include Fire, Lightning, Wind, Hail, Hurricane, Theft, Water, Weather & Non-Weather, both Bodily Injury and Physical Damage, and Water Back-up. D ID Y O U KNOW: Martin & s State Filing Team has over 175 years of industry ex perienc e. Nationwide / Homeowners AMCO Insurance increased rates 6.50% overall to their Precision Homeowners Program effective June 23, 2015, for new business and August 7, 2015, for renewals. Changes were made to Base Rates, Territory Adjustment Factors, Earthquake Rates, Year of Construction Factors and various other rating rules. Donegal / Homeowners Donegal Mutual Insurance and Atlantic States Insurance increased rates 2.70% overall to their Homeowners Programs effective July 1, 2015, for new business and August 1, 2015, for renewals. Changes were made specifically to Base Rates. Note: The approximate number of policyholders affected by this revision is 52,000, and the approximate annual written premium for this program is $65.0 million. Allstate / MHO Allstate Indemnity redesigned their Manufactured Home Program effective October 19, New rating plans were introduced for Zone Relativity, Rate Adjustment Factors, Park Status, Claim Rating Factor, Claims-Free Discount, 50 and Over Discount, and a Manufactured Home Insurance Feature Option Factor. The Manufactured Home Feature Option offers Platinum, Gold, and Silver coverages that differ in the amount of coverage and loss settlement. For subscribers only Subscribers may use up to five Pennsylvania Insurance summaries in any single issue of their internal publications provided The Pennsylvania Insurance is cited, including the issue date; phone number, ; and the company s Web address, Hiscox / Community Association Hiscox Insurance, Inc., introduced their new Community Association Package Program effective May 1, This program will offer Property, General and Directors & Officers Coverages and is intended to be sold as a package. Coverage will not be made available on a monoline basis. Rates were developed based on those of a similar product filed for QBE. State Farm / Package State Farm Fire and Casualty increased rates 4.50% overall to their Multi-Peril Program effective J uly 1, 2015, for new business and September 1, 2015, for renewals. Changes were made to Basic Premiums, Rating Factors, Minimum Premiums and selected Discounts and Charges. This program provides coverage for Businesses, Contractors, Apartments, Residential Condominiums and Religious Organizations. Merchants Mutual / Golf Merchants Mutual Insurance introduced their new Merchants Package Plus Keystone Golf Program effective May 1, This new program will serve the needs of daily fee golf courses open to the public and was designed exclusively for the Keystone Program Administrators. Selective / BOP Selective increased rates 3.40% overall to their MerchantsPro Businessowners Program effective September 1, Changes were made specifically to Base Rates. Note: The approximate number of policyholders affected by this revision is 4,800, and the approximate annual written premium for this program is $9.7 million Copyright Middlesex Mutual / BOP Middlesex Mutual Assurance increased rates 6.30% overall to their Worlds Apart/ CAPsure Businessowners Program effective August 1, 2015, for new business and November 1, 2015, for renewals. Changes were made to remove Age of Systems and Tenant Insurance Credits and to revise Age of Building, Construction Factors, Condo Percentage Leased Factors, and Primary Use Class Factors. Jun15 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

4 * * Key LCM s Recently Approved * * Line LCM Org. Org. Filing Number Impact Effective Allstate Insurance Auto Varies by class and coverage ISO CA 2014 BRLA1 9.90% 8/17/15 AmTrust Sequoia Insurance Output Policy Capital Assets Program ISO OP 2013 RBILC Initial 7/1/15 Brethren Mutual Insurance Fire & Allied Lines ISO CF 2014 RLA % 1/1/16 Donegal Peninsula Insurance WC Class code Automotive Service Center PCRB C % 6/1/15 HIIG Great Midwest Insurance WC (see also page 7) PCRB C 365 Initial 7/1/15 Hiscox Insurance Fire & Allied Lines Entertainment Program (see also page 7) ISO CF 2014 RLA % 6/1/15 National Interstate Insurance WC PCRB C % 5/1/15 Nationwide Nationwide Agribusiness Insurance Farmland Mutual Insurance Auto Physical Damage Range ISO CA 2014 BRLA % 7/1/15 Selective affiliated companies Auto - varies by affiliate Physical Damage Range ISO CA 2014 BRLA % 9/1/15 State National National Specialty Insurance Auto - / PD TUMI Program (see also this page below) / ISO CA 2013 BRLA1 GL 2014 BGL1 Initial 4/27/15 Utica National affiliated companies Class & Public Schools All Others ISO GL 2014 BGL1 0.00% 10/1/15 W. R. Berkley Carolina Casualty Insurance Great Divide Insurance Auto - / PD Transportation Program / ISO CA 2013 BRLA % 5/1/15 Harco National / Pollution Harco National Insurance introduced rates and rules to their new Pollution Program effective J uly 1, This pr o- gram is designed for Auto & Truck Dealerships that have storage tanks holding clean oil, waste oil, gasoline and other liquid pollutants. Rates were developed based on those of a similar program for Zurich. BITCO / Drones BITCO General Insurance Corporation and BITCO National Insurance filed rates to be used with ISO s recently approved Unmanned Aircraft Coverage Endorsements effective J uly 1, Rates were filed for Light, Medium and Heavy category drones. Berkshire Hathaway / Transportation National & Fire Insurance introduced a new Transportation General Program effective June 23, This is a new coverage that is only available to for-hire truckers and is intended to complement their existing Auto Transportation Program. Auto coverage must be purchased to be eligible. Zurich / Auto Dealers Zurich introduced a new Unicover Auto Dealers Program effective November 1, This new program is designed for, Truck, Motorcycle, Powersport and RV Dealers. They will utilize ISO s new Auto Dealers Coverage Form and proprietary rates and rules that amend the Lines Manual. State National / TUMI Repossession National Specialty Insurance introduced a new TUMI Repossession Program effective April 28, This new program is designed to cover the operations of professional repossession contractors and will target operations that have been in business more than 3 years and fleets of fewer than 25 vehicles. This product will be underwritten by Trinity Underwriting Managers, Inc. See also LCM chart above. 4 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE Jun Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

5 Travelers / Investment Advisers Travelers Casualty and Surety of America introduced their new Investment Advisers & Funds Portfolio Program effective August 1, Coverage will be provided for Investment Advisers, Mutual Funds, Hedge Funds and Private Equities. This coverage will be used in conjunction with their currently approved Modular Program and can be written on a package or standalone basis. They intend to transfer certain products currently written through St. Paul Fire and Marine Insurance and its affiliates to these new products. Hanover / Miscellaneous Professional Cyber Hanover Insurance introduced a new Cyber Privacy and Security Coverage to their Miscellaneous Professional Program effective June 10, This form will provide coverage for Privacy and Security, Cyber Media, Breach Event Expenses, Breach Reward Expenses, Breach Restoration Expenses, Cyber Investigations, Cyber Business Interruption and Extra Expense, Cyber Extortion and Cyber Theft. AmTrust / Euclid Management Wesco Insurance filed their new Euclid Management Insurance Program effective Apr il 24, This pr oduct is designed for Public, Pr ivate and Not-For-Profit Organizations and will provide any combinations of coverages including Directors & Officers, Employment Practices & Third-Party Discrimination, and Fiduciary. Hartford / Asset Management Choice Twin City Fire Insurance introduced a new Hartford Asset Management Choice Program effective J une 1, This pr oduct was developed based on Chubb s Asset Management Protector. The chart below shows included coverage parts. Investment Adviser Professional Registered Fund Private Fund Investment Adviser Management Service Provider MDAdvantage / Physicians & Surgeons MDAdvantage Insurance of New Jersey introduced a new Physicians & Surgeons Professional Program effective May 11, Rates wer e developed based on those of their existing program in New Jersey and on a comparison to the two largest writers in Pennsylvania, NORCAL and Medical Protective. Crum & Forster / Accountants United States Fire Insurance updated rates and rules to their Accountants Professional Program effective June 1, Changes were made to Area-of-Practice Factors and to add more detailed classes. They also introduced new Minimum Premiums based on the Limits of. Markel / Fiduciary Markel American Insurance introduced their new Ullico Fiduciary, Governmental Fiduciary, and Union Program effective June 1, This program was developed for the members of the Ullico Organized Labor Protection Group LLC. Rates were developed based on those of similar programs for Travelers, W. R. Berkley and RSUI. Try it Free! Allied World / Psychiatrists Allied World Insurance introduced a new Psychiatrists Professional & Business and Psychiatric Nurse Practitioners/PA/ RNPA Professional & Business Program. Rates were developed based on their affiliate company Darwin. This program will be written through the American Professional Agency, Inc. AIG / Human Services Granite State Insurance, Illinois National Insurance and New Hampshire Insurance received approval for a new Human Services Professional Program effective April 24, This program is designed to provide coverage for organizations focused on managing services to improve the well-being of individuals, families and communities. Rates were developed based on those of their existing Social Service Program. The Professional REPORT Subscribe Today. Call or subscribe online! Jun15 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

6 More Approved Filings The Pennsylvania Insurance Line / Class Effective Filing Summary AmTrust / First Nonprofit Insurance Argonaut Midwest Insurance Great American Assurance Hanover / Allmerica Financial Alliance Ins. Co. / Allmerica Financial Benefit Ins. Co. Sentry Select Insurance W. R. Berkley / Berkley National / Berkley Regional / StarNet Insurance GUARD / AmGUARD Insurance Pennsylvania National Mutual Casualty Insurance Brethren Mutual Insurance Hartford Insurance Group / Sentinel Insurance Limited 8/15/2015 Introduced a new Business Auto Coverage Expansion Endorsement that includes features such as Downtime Loss & Rental Reimbursement, Airbag Coverage, Diminishing Deductible, Glass Repair Coverage, etc. 7/1/2015 Decreased rates 14.20% overall to their Transportation Program. Changes were made to their Auto Dealers rates, and new classes were introduced for Gas Dealers and Pressure/Power Washers. 7/1/2015 Introduced a new Motor Carrier Deductible Buyback Endorsement to their Long Haul Trucking Program, which is designed for trucking owneroperators and small fleets. 10/1/2015 Increased rates 5.60% overall to their Auto Program. Changes were made to LCM's, Experience & Schedule Rating, Pricing Avenues and Policy Driver Multipliers, as well as to introduce new ZIP Code Factors. 9/1/2015 Filed new endorsements to their Dealer Operations Program. These forms are intended to broaden coverage for dealerships that sell/lease watercraft and other equipment such as ground/turf maintenance equipment. 7/1/2015 Added Human & Social Services, Sports & Recreation, Special Events, and Family Childcare to the Non-Ownership section (Rule 89) of their Auto General Risk Program. Businessowners 9/1/2015 Filed new optional higher limit options to their Contractors Installation, Tools and Equipment Endorsement for use with their Biz Guard Plus BOP. They also added new optional limits to their Employment Practices Coverage. Businessowners 11/1/2015 Introduced a new Cyber Security Coverage to their Businessowners Program, designed to provide first- and third-party coverage for events of theft or unauthorized disclosure of the personal information of customers, employees or tenants. CMP 1/1/2016 Filed updates to their Country Club Custom Policy Form, adding coverage for Trees, Plants & Shrubs and removing coverage for Employee Theft, Fine Arts, Spoilage, Water Back-Up, Valuable Papers, Money & Securities, etc. 9/12/2015 Filed a new Business Income Waiting Period Endorsement to their Spectrum Product. This form establishes a waiting period for Business CMP Income coverage provided on the Special Property Form. Philadelphia Indemnity Insurance CMP 6/25/2015 Introduced a new mandatory Association Group Insurance Endorsement to their Mobile Entertainers Association Product. This endorsement defines and explains the responsibilities of the named certificate holder and the association policyholder. Utica First Insurance 7/1/2015 Introduced a new Handyman classification to their Artisan Contractor Program. This classification includes any contractor whose work CMP incorporates three or more of any of the other eligible classifications. Travelers / Travelers Casualty and Surety of America Crime 6/15/2015 Decreased rates 4.10% overall to their Modular Kidnap & Ransom Program. Rates were revised for Hostage Crisis, Threat Response Services, Express Kidnap, and Emergency Political Evacuation & Repatriation Expense Coverages. ACE / affiliated companies 4/23/2015 Introduced new Sports-Related Injury, Head Trauma Injury, and Genetically Modified Organism or Substance Exclusions to their CGL Coverage Part. These coverages apply to all sport risks except scheduled events. AIG / New Hampshire Indemnity / Granite State Insurance 4/28/2015 Introduced a new Methyl Tertiary-Butyl Ether (MTBE) and Other Fuel Oxygenates Exclusion to their Coverage Part. For use by original recipient only. It is illegal to forward or otherwise distribute without permission. To report violations call (800) Jun15 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE 6 Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

7 Line / Class Effective Filing Summary Cincinnati Insurance 7/1/2015 Filed rates and forms for a new program designed for members of the Wildlife Operators Risk Purchasing Group. This program is based on a similar program filed by a competitor. Harford Mutual Insurance / Firstline National Insurance 7/1/2015 Introduced a new Roofing Class of Business Factors. These changes will be for monoline policies and the portion of the Package policy. Markel Insurance 6/15/2015 Filed a new Traumatic Loss Counseling Expense Reimbursement Coverage to their Hagerty Camp Program. They also revised their Pest Control CGL Form. HIIG / Imperium Insurance 5/4/2015 Introduced their new Rockwood Employee Practices Program that will provide coverage to employers with up to 500 employees. Securian Casualty 5/18/2015 Extended eligibility and expanded program options and related factors to their Guaranteed Asset Protection (GAP) Advantage Program. Specifically, coverage will no longer be limited to 84 months, and premium is shown as a rate per $1,000. Southern Insurance 5/1/2015 Introduced a new Contractual GAP Waiver Program designed to reimburse the dealer/creditor for losses resulting from an underlying financing contract addendum. Rates were developed based on a similar program for Deerfield. Starr Indemnity & ACE / ACE American Insurance 5/6/2015 Introduced new Liquor rates for use with their G&G Underwriters Insurance Program. Rates are the same as those currently filed for their Businessowners Program. Professional 4/24/2015 Filed new rating rules for their Computer & Technology Products and Services Professional Program. They include Technology and Internet E&O, Electronic Media Activities, Network Operations Security and Data Breach. Hanover Insurance Professional 4/15/2015 Filed approximately 40 new endorsements to be used with their Miscellaneous Professional Program. New forms include coverage for Mold Inspection, Premises, Septic or Water Testing, Rodent Inspection, Indoor Air Quality Inspection, etc. OneBeacon / Atlantic Specialty Insurance USLI / United States Insurance Professional 5/6/2015 Filed approximately 15 new endorsements to be used with their Design Professionals Program. New forms include Risk Management Strategic Review, Construction Means and Methods Coverage, Site Safety Consulting Services, etc. 7/13/2015 Revised rates to their Insurance Agents & Brokers Professional Program. Changes were made to their Agency Definition percentages that Professional define an agency to be rated as a Personal or Agency. Hiscox Insurance, Inc. Property 6/1/2015 Filed updated rates, rules and forms to their Entertainment Property Program. New endorsements include Utility Services - Time Element, Fine Arts, Inflation Guard, Third-Party Property Damage, etc. (See also 6/15 LCM chart page 4.) Transguard Insurance of America, Inc. Zurich American / affiliated companies Property 6/1/2015 Filed a new Movers and Warehousemen's Income Protection Coverage for their Moving & Storage Property Program. Coverages include Transportation Revenue, Storage Revenue, Rental Revenue, Extra Expense, Interruption of Computer Operations, etc. 7/1/2015 Updated their Glatfelter Property Enhancement For Schools and increased the corresponding rating from 5.00% to 8.00% over the Property Property Premium. HIIG / Great Midwest Insurance W. R. Berkley / StarNet Insurance 7/1/2015 Introduced their new Workers Compensation Program that includes a Large Risk Alternative Rating Option (LRARO) and Loss Reimbursement WC Rating Plan. (See also 6/15 LCM chart, page 4.) 5/1/2015 Introduced a new Workers Compensation Large Deductible Plan that requires an estimated annual standard premium of $500,000 or more to be WC eligible for this plan. For use by original recipient only. It is illegal to forward or otherwise distribute without permission. To report violations call (800) Jun15 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE 7 Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;

8 Line / Class Effective Filing Summary 1st Choice Auto Insurance Dairyland / Viking Insurance of WI Personal 8/1/2015 Increased rates 5.34% overall to their Private Passenger Auto Program. Changes were made to increase their Loss Cost Multipliers (LCM's) across the board. Personal 6/26/2015 Increased Base Rates 7.20% overall to their Six-Month Private Passenger Auto D-0 Program. This program is for renewal business only. Countryway Insurance Personal 8/1/2015 Revised their Advantage Endorsement, Water Backup Coverage and Deductible Factors to their Country Classic Farmowners Program. Farmowners Goodville Mutual Casualty Personal 7/1/2015 Increased rates 7.90% overall to their Farm Premises & Program. Changes were made to revise LCM's and Horse and Buggy Rates. Farmowners Electric Insurance Personal 6/29/2015 Introduced Tiered Rating for their Renters and Condo Homeowners Coverages. All current policies will be placed into the neutral tier, and HO renewals will not be eligible for tier movement. USAA / affiliated companies Personal 10/7/2015 Increased rates 6.00% overall to their Renters Program. Changes were made specifically to Contents and Base Rates. HO AmTrust / Technology Insurance Personal Inland Marine 4/24/2015 Introduced their new Portable Electronic Device Insurance Program for Hearing Aid Devices. Coverage will be provided for loss or damage that results from accidental physical damage, theft, unintentional loss or breakdown. AXA Insurance Personal Inland Marine 5/15/2015 Introduced a new Safe Deposit Box Insurance Program that will be marketed by independent agents to customers who rent safe deposit boxes from financial institutions. Coverage is provided for the contents of the box. Navigators Insurance Personal Inland Marine 5/15/2015 Introduced a new Personal Fine Arts Program designed to provide coverage to individuals, foundations, trusts and corporations for physical loss or damage to property owned by or in the care, custody or control of the insured. RLI Insurance Personal Inland Marine 6/1/2015 Introduced a new AAIS-based Jewelry Program that will provide coverage for items of personal adornment made wholly or partly of silver, gold, platinum or other precious metals. They may also contain Pearls, Jewels, Precious or Semi-precious Stones. ACE / Bankers Standard Insurance / Pacific Employers Insurance Scottsdale / National Casualty Personal Umbrella/Excess 7/12/2015 Increased rates 7.00% overall to their Platinum Portfolio Umbrella Excess Program. Changes were made to charges for Primary & Additional Residences, Watercraft, Recreational & Collectors' Vehicles, Corporate Cars, etc. Personal 4/29/2015 Filed a new Car Sharing and Ride Sharing Exclusion to their Personal Umbrella/Excess Program. This form is designed for when Excess Umbrella/Excess Policy and UM/UIM Excess Coverages are offered. Contact us for assistance with Countrywide Rate & Form filing submissions and Actuarial Services Download any filing mentioned in this issue of The Pennsylvania Insurance. For use by original recipient only. It is illegal to forward or otherwise distribute without permission. To report violations call (800) Jun15 A COPY OF ANY FILING ON THIS PAGE IS AVAILABLE 8 Copyright by Martin &, Publisher, The Pennsylvania Insurance Advisor, Edgemont, PA, ;