MY LCM REPORT - PDF

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					                      WORKERS’ COMPENSATION COMPARISON OF
                             LOSS COST MULTIPLIERS

This comparison is provided to assist you in shopping for your workers´ compensation
and employers´ liability insurance in Oklahoma. It identifies the loss cost multiplier
approved for each insurance carrier in Oklahoma.

A rating organization promulgates the advisory loss cost for workers’ compensation.
The advisory loss cost is the portion of the rate that represents projected loss.
Insurance companies apply a loss cost multiplier that represents expenses. The
advisory loss cost combined with the loss cost multiplier produce the workers’
compensation rate. The attached comparison outlines the loss cost multipliers filed with
the Oklahoma Insurance Department.

Oklahoma employers are assigned one or more classifications based on the type of
business. Each employee´s payroll is then assigned to the appropriate classification.
The total payroll for each classification is then multiplied by the insurer´s filed rate for
that classification (rate per $100 payroll) to determine premium. The employer’s basic
premium is the sum of the individual classification premiums.

There are other factors that may be utilized to increase or decrease the employer’s
premium. An experience rating modifier that reflects the employer’s past loss history
may be applied to the premium. A schedule rating debit or credit may be applied to the
premium depending on individual characteristics of the employer’s business that may
not be reflected in the rate. In addition, there are several optional rating plans such as
deductibles or retrospective rating that are available to insureds that may reduce
premiums.

This comparison is updated periodically based on the number of revised filings made by
insurance companies. If you want to ask a specific insurer about getting a quote, call the
number shown in the Annual Report and Directory and ask for the information or contact
your local insurance agent.

This comparison does not reflect any information for CompSource, Oklahoma
(Oklahoma State Insurance Fund).

Rate calculation example for 8810 Clerical, office employees not otherwise classified:

       January 1, 2010 loss cost                                .41
       XYZ Insurance Company loss cost multiplier            x 1.50
       Rate for 8810                                            .62

       January 1, 2010 loss cost                                 .41
       ABC Insurance Company loss cost multiplier            X 1.80
       Rate for 8810                                            .74
Private Insurance Companies Approved Workers' Compensation Oklahoma
           Loss Cost Multipliers (LCM's) as of February 05, 2010
  1   Acadia Insurance Company                             1.147      UNON-125924551
  2   Accident Fund Company                                1.500         02-2663C
  3   Accident Fund General Insurance Company              1.875      ACCD-125174421
  4   Accident Fund National Insurance Company             1.125      ACCD-125174017
  5   Ace American Insurance Company                       1.350         98-0487C
  6   Ace Fire Underwriters Insurance Company              1.293      ACEH-125376446
  7   Ace Insurance Company of Texas                       1.350         98-0487C
  8   Ace Property & Casualty Insurance Company            1.437         06-4165C
  9   ACIG Insurance Company                                1.32      ACIG-126353758
 10   Advantage Workers' Compensation Insurance Company    1.490      ADWC-126392288
 11   Aequicap Insurance Company                           1.413      AEQP-125844008
 12   AIU Insurance Company                                1.457         01-3564C
 13   Alaska National Insurance Company                    1.400         96-1860C
 14   Allmerican Financial Benefit Insurance Company       1.211      HNVR-126325161
 15   All America Insurance Company                        1.416      CEMC-126393613
 16   Allianz Insurance Company                            1.290         95-5370C
 17   AmCOMP Assurance Corporation                         1.450      AMCP-125285134
 18   AmCOMP Preferred Insurance Company                   1.700      AMCP-125231153
 19   AmTrust Insurance Company of Kansas, Inc.            1.333      UNKP-125894566
 20   America First Insurance Company                      1.400      LBRM-125909371
 21   American Alternative Insurance Corporation           1.623         07-2735C
 22   American Automobile Insurance Company                1.613         04-1656C
 23   American Casualty Company of Reading, PA             1.100          309357
 24   American Compensation Insurance Company *            1.450      RTGR-126316112
      American Compensation Insurance Company *            1.760      RTGR-126316112
 25   American Economy Insurance Company                   1.280         04-2581C
 26   American Employers Insurance Company                 1.188         99-2858C
 27   American Fire and Casualty Company                   1.050      LBRM-125909377
 28   American Fuji Fire and Marine Insurance Company      1.578         05-3116C
 29   American Guarantee & Liability Insurance Company     1.333      ZURC-125878716
      American Guarantee & Liability Insurance Company     1.408      ZURC-126365735
 30   American Home Assurance Company                      1.619         01-3564C
 31   American Insurance Company, The                      1.613         04-1656C
 32   American International Pacific Insurance Company     1.619         01-3564C
 33   American International South Insurance Company       1.295         01-3564C
 34   American Interstate Insurance Company                1.330         04-1922C
 35   American Manufacturers Mutual Insurance Company      1.360         03-0056C
 36   American Mining Insurance Company                    1.590      AMMI-126119176
 37   American Motorists Insurance Company                 1.510         03-0056C
 38   American Professionals Insurance Company             1.464         01-3458C
 39   American Protection Insurance Company                1.210         03-0056C
 40   American States Insurance Company                    1.420         04-2581C
 41   American States Insurance Company of Texas           1.560         04-2581C
 42   American Safety Casualty Insurance Company           1.407         02-3057C
43   American Zurich Insurance Company                    1.098     ZURC-125878716
     American Zurich Insurance Company                    1.160     ZURC-126365735
44   American and Foreign Insurance Company               1.561        02-5296C
45   Amerisure Insurance Company                          1.251    AMRS-126379458
46   Amerisure Mutual Insurance Company                   1.390        01-0834C
47   Arch Insurance Company                               1.484        03-2480C
48   Argonaut Great Central Insurance Company             1.370        02-0966C
     Argonaut Great Central Insurance Company             1.120    ARGN-126079318
49   Argonaut Insurance Company                           1.380        97-2572C
50   Argonaut-Midwest Insurance Company                   1.242        97-2572C
51   Argonaut-Southwest Insurance Company                 1.104        97-2572C
52   Associated Indemnity Corporation                     1.855        04-1656C
53   Association Casualty Insurance Company               1.310        07-2733C
54   Assurance Company of America                         1.490     ZURC-125878716
     Assurance Company of America                         1.574     ZURC-126365735
55   Athena Assurance Company                             1.447        04-4309C
56   Atlantic Insurance Company                           1.187        97-2451C
57   Bancinsure, Inc.*****                              See Below   BNCI-126395995
58   Bankers Standard Fire & Marine Insurance Company     1.350        98-0487C
59   Bankers Standard Insurance Company                   1.868     ACEH-125376446
60   Benchmark Insurance Company                          1.675   PERR-126237336 (09)
61   Berkley Regional Insurance Company                   1.498        05-0033C
62   Birmingham Fire Insurance Company of PA.             1.619        01-3564C
63   Bituminous Casualty Corporation**                    1.453     LDRX-125900213
     Bituminous Casualty Corporation**                    1.234     LDRX-126382162
64   Bituminous Fire & Marine Insurance Company**         1.671     LDRX-125900213
     Bituminous Fire & Marine Insurance Company**         1.234     LDRX-126382162
65   Boston Old Colony Insurance Company                  1.290        97-2693C
66   Brotherhood Mutual Insurance Company                 1.102     BRTH-126354203
67   Camden Fire Insurance Company                        1.122        98-4537C
68   Capital City Insurance Company                       1.500        07-2409C
69   Carolina Casualty Insurance Company ###              1.725     SNIC-125927919
70   Casualty Reciprocal Exchange                         1.280        01-3566C
71   Central Mutual Insurance Company-Standard            1.609   CEMC-126393613
                                            Preferred     1.416   CEMC-126393613
72   Charter Oak Fire Insurance Company                   1.375        97-0823C
73   Cherokee Insurance Company                           1.530        03-4997C
74   Chubb Indemnity Insurance Company                    1.571     CHUB-126403956
75   Church Mutual Insurance Company                      1.232     CHMU-126328287
76   Cincinnati Casualty Company                          1.336     CNNA-126401835
77   Cincinnati Insurance Company                         1.269        95-1754C
78   Clarendon National Insurance Company                 1.500        02-5140C
79   Colonial American Casualty & Surety Company          1.411     ZURC-125878716
     Colonial American Casualty & Surety Company          1.491     ZURC-126365735
80   Colonial Casualty Insurance Company                  1.100        98-4922C
81   Columbia National Insurance Company                  1.300        97-3334C
82   Commerce & Industry Insurance Company                1.862        01-3564C
83    Commercial Compensation Casualty Company              1.144      98-4467C
84    Commercial Insurance Company of Newark, NJ            1.290      97-2693C
85    Companion Commercial Insurance Company                1.300   CMPX-126112242
86    Companion Property and Casualty Insurance Company     1.450   CMPX-126112198
87    Connecticut Indemnity Company                         1.150      02-5296C
88    Constitution Insurance Company                        1.380      01-0196C
89    Continental Casualty Company                          1.800      05-3508C
90    Continental Indemnity Company                         1.474   APPU-126359574
91    Continental Western Insurance Company                 1.794   UNION-125924551
92    Coregis Insurance Company                             1.675      07-2379C
93    Cornhusker Casualty Company                           1.553   CORN-125754764
94    Crum & Forster Indemnity Company                      1.527      05-2644C
95    Cumis Insurance Society, Inc.^^^^                     1.770      02-0607C
      Cumis Insurance Society, Inc.^^^^                     1.690      07-2394C
 96   Daimler Chrysler Insurance Company                    1.200      96-0759C
 97   Dakota Truck Underwriters                             1.560      04-3748C
 98   Dallas Fire Insurance Company                         1.410      03-4499C
 99   Dallas National Insurance Company                     1.510      06-1804C
100   Delos Insurance Company                               1.500   DLSN-126316188
101   Diamond Insurance Company                             1.770      05-3461C
102   Discover Property & Casualty Insurance Company        1.447   TRVD-126186299
103   Eagle Pacific Insurance Company                       1.360      03-0805C
104   Electric Insurance Company                            1.124      99-4125C
105   Emcasco Insurance Company                             2.120      05-3551C
106   Employers Fire Insurance Company                      1.512      06-3710C
107   Employers Insurance Company of Wausau, A Mutual Co.   1.692   LMGU-126347344
108   Employers Mutual Casualty Company                     1.910      05-3551C
109   Employers Reinsurance Corporation                     1.523   ERCA-125257077
110   Equity Mutual Insurance Company                       1.280      01-3566C
111   Everest National Insurance Company                    1.440      03-4530C
112   Fairfield Insurance Company                           1.508       308698
113   Fairmont Insurance Company                            1.216      02-0585C
114   Farmers Insurance Exchange                            1.950      07-2415C
115   Farmington Casualty Insurance Company                 0.868       308312
116   Farmland Mutual Insurance Company-Non Standard        1.758   FARL-126347755
                                                Standard    1.598   FARL-126347755
                                                Preferred   1.438   FARL-126347755
117   Federal Insurance Company                             2.095   CHUB-126403956
118   Federated Mutual Insurance Company******              1.618    FEMC-125473151
      Federated Mutual Insurance Company******              1.425    FEMC-125891545
      Federated Mutual Insurance Company******              1.500   FEMC-125891545
119   Federated Service Insurance Company*******            1.456   FEMC-125473151
      Federated Service Insurance Company*******            1.286   FEMC-125891545
      Federated Service Insurance Company*******            1.350   FEMC-125891545
120   Federated Rural Electric Insurance Corporation        1.288      95-0543C
121   Fidelity & Casualty Insurance Company of N.Y.         1.518      97-2693C
122   Fidelity & Deposit Company of Maryland                1.411   ZURC-125878716
      Fidelity & Deposit Company of Maryland             1.491     ZURC-126365735
123   Fidelity & Guaranty Insurance Company              1.230     TRVD-126186299
124   Fidelity & Guaranty Insurance Underwriters, Inc.   1.013     TRVD-126186299
125   Fire & Casualty Insurance Company of CT            1.479          02-5296C
126   Fireman's Fund Insurance Company                   1.291          04-1656C
127   Fireman's Insurance Company of Newark, NJ          1.063          97-2693C
128   First American Insurance Company                   1.200          99-3523C
129   FirstComp Insurance Company                        1.750       FICI-125789650
130   First Liberty Insurance Corporation                1.354     LMGU-126347344
131   First National Insurance Company of America        1.650          04-2581C
132   Florist's Mutual Insurance Company                 1.250   FLWR-126345729
133   Frankenmuth Mutual Insurance Company               1.300   2002-2690C
      Frankenmuth Mutual Insurance Company               1.400   2002-2690C
134   Fremont Indemnity Company                          1.322          01-0415C
135   Frontier Insurance Co.                             1.325          01-0138C
136   Gateway Insurance Company                          1.446          07-2732C
137   General Casualty Company of Wisconsin              1.390     QBCL-125663809
138   General Insurance Company of America               1.560          05-3565C
139   General Security Insurance Company                 1.580          99-3842C
140   Genesis Insurance Company                          1.374          97-2674C
141   Glens Falls Insurance Company                      1.518          97-2693C
142   Globe Indemnity Company                            1.314          02-5296C
143   Grain Dealers Mutual Insurance Company             1.824          01-3507C
144   Granite State Insurance Company                    1.619          01-3564C
145   Great American Alliance Insurance Company          1.460          95-1083C
146   Great American Assurance Company                   1.460          95-1083C
147   Great American Insurance Company                   1.460          95-1083C
148   Great American Insurance Company of New York       1.460          95-1083C
149   Great Divide Insurance Company                     1.498          05-0963C
150   Great Northern Insurance Company                   1.990     CHUB-126403956
151   Great States Ins. Co.                              1.257          98-0718C
152   Great West Casualty Company                        1.283     LDRE-125347718
153   Greater New York Mutual Insurance Company          1.400          96-0760C
154   Greenwich Insurance Company                        1.599     XLAM-125301376
155   Grocers Insurance Company                          1.200          97-2449C
156   Guarantee Insurance Company                        1.499          04-1938C
157   Guideone Elite Insurance Company                   1.369     GDEA-125407664
158   Guideone Mutual Insurance Company                  1.369     GDEA-125407664
159   Hanover American Insurance Company                 1.452          05-2352C
160   Hanover Insurance Company                          1.778          05-2352C
161   Harbor Specialty Insurance Company                 1.376          98-0854C
162   Harco National Insurance Company                   1.400      IATH-125931920
163   Harleysville Mutual Insurance Company              1.350          96-4684C
164   Hartford Accident & Indemnity Company              1.010     HART-126062104
165   Hartford Casualty Insurance Company                1.515     HART-126062104
166   Hartford Fire Insurance Company                    1.299     HART-126062104
167   Hartford Insurance Company of the Midwest          1.154     HART-126062104
168   Hartford Underwriters Insurance Company                  1.659     HART-126062104
169   Highlands Insurance Company                              1.464        01-3460C
170   Highlands Underwriters Insurance Company                 1.464        01-3459C
171   Highmark Life Insurance Company                          1.290        97-3933C
172   Houston General Insurance Company                        1.213        95-1753C
173   Illinois National Insurance Company                      1.619        01-3564C
174   Imperial Casualty and Indemnity Company                  1.350        04-1514C
175   Indemnity Insurance Company of North America             1.148        98-0487C
176   Indiana Lumbermens Mutual Insurance Company              2.000        07-2179C
177   Insurance Corporation of Hannover                        1.500        05-3699C
178   Insurance Company of North America                       1.350        98-0487C
179   Insurance Company of the State of PA.                    1.619        01-3564C
180   Insurance Company of the West                            1.500        01-3295C
181   International Business & Mercantile Reassurance Co.      1.296        99-0090C
182   Kansas City Fire & Marine Insurance Company              1.518        97-2693C
183   Kemper Casualty Insurance Company                        1.670        03-2156C
184   Legion Insurance Company                                 1.488        01-3774C
185   Liberty Insurance Corporation                            0.902    LMUG-126347344
186   Liberty Mutual Fire Insurance Company                    1.128    LMUG-126347344
187   Liberty Mutual Insurance Company                         1.692    LMGU-126347344
188   Liberty Mutual Insurance Corporation (LM Ins. Corp.)     0.733    LMUG-126347344
189   Lincoln General Insurance Company                        1.450        05-2560C
190   Lumbermen's Mutual Casualty Company                      1.670        03-0056C
191   Lumbermen's Underwriting Alliance                        1.403     LMBR-125916219
192   Manufacturers Alliance Insurance Company                 1.538        07-2594C
193   Maryland Casualty Company                                1.882     ZURC-125878716
      Maryland Casualty Company                                1.988     ZURC-126365735
194   Maryland Insurance Company                               1.642        04-3747C
      Maryland Insurance Company                               1.795        04-3747C
195   Massachusetts Bay Insurance Company                      1.615        05-2352C
196   Medical Assurance Company                                1.290        98-3421C
197   Medmarc Casualty Insurance Company                       1.460        02-2372C
198   Mega Life & Health Ins.Co.                               1.280        97-2250C
199   MEMIC Indemnity Company                                  1.600        06-3715C
200   Meridian Security Insurance Company-Advantage            1.182   SAMM-125908447
201   Mid-Century Insurance Company                            1.442        07-2415C
202   Middlesex Insurance Company                              1.448     SEPX-125373473
203   Midwest Builders' Casualty Mutual Company                1.800     BMCC-126329604
204   Midwest Employers Casualty Company ###                   1.410     SNIC-125927953
205   Midwest Insurance Company                                1.480        06-4345C
206   Millers Mutual Insurance Company                         1.222        98-0665C
207   Milwaukee Casualty Insurance Company                     1.666     UNKP-126382577
208   Mitsui Sumitomo Insurance Company Of America             1.538    MSMX-125387124
209   Mitsui Sumitomo Inurance USA INC.                        1.769    MSMX-125387124
210   National American Insurance Company-Non Standard         1.690     NTAC-125816167
                                                   Standard    1.470     NTAC-125816167
                                                   Preferred   1.250     NTAC-125816167
211   National Farmers Union Property and Casualty Company          1.470      94-0327C
212   National Fire Insurance Company of Hartford                   1.450      05-3508C
213   National Interstate Insurance Company                         1.495      02-3904C
214   National Standard Insurance Company                           1.642      04-3747C
      National Standard Insurance Company                           1.795      04-3747C
215   National Surety Corporation                                   1.452      04-1656C
216   National Union Fire Insurance Company of Pittsburgh, PA.      1.619      01-3564C
217   Nationwide Agribusiness Insurance Company-Non-Standard        1.674   FARL-126347755
                                                         Standar    1.522   FARL-126347755
                                                         Preferre   1.370   FARL-126347755
218   Netherlands Insurance Company, The                            1.050   LBRM-125370637
219   New Hampshire Indemnity Company                               1.619      01-3564C
220   New Hampshire Insurance Company                               1.457      01-3564C
221   Niagara Fire Insurance Company                                1.518      97-2693C
222   Nipponkoa Insurance Company, Ltd.                             1.375      04-1415C
223   North American Elite Insurance Company                        1.926      07-2378C
224   North American Specialty Insurance Company                    1.675      07-2379C
225   North River Insurance Company                                 1.129      05-2644C
226   Northern Assurance Company of America                         1.188      99-2858C
227   Northern Insurance Company of New York                        1.333   ZURC-125878716
      Northern Insurance Company of New York                        1.408   ZURC-126365735
228   Northwestern National Casualty Company                        1.464      01-3462C
229   Northwestern Pacific Indemnity Company                        1.781   CHUB-126403956
230   Nova Casualty Company                                         1.268      06-2533C
231   Ohio Casualty Insurance Company                               1.750   LBRM-125909377
232   Ohio Farmers Insurance Company                                1.272      96-1940C
233   Ohio Security Insurance Company                               1.400   LBRM-125909377
234   Old Glory Insurance Company                                   1.350   OGIC-126162276
235   Old Republic General Insurance Company                        1.450      06-3412C
236   Old Republic Insurance Company ##                             1.450      96-4288C
      Old Republic Insurance Company ##                             1.680   LDDX-125373580
237   OneBeacon America Insurance Company                           1.320      98-4539C
238   OneBeacon Insurance Company                                   1.320      98-4539C
239   Pacific Employers Insurance Company                           1.724      06-4165C
240   Pacific Indemnity Company                                     1.781   CHUB-126403956
241   Peerless Indemnity Insurance Company                          1.750   LBRM-125909371
242   Peerless Insurance Company                                    1.250   LBRM-125909371
243   Pegasus Insurance Company, Incorporated                       1.700   PEGA-126088555
244   Pennsylvania Manufacturers' Association Insurance Co.         1.337      07-2593C
245   Pennsylvania Manufacturers' Indemnity Company                 1.204      07-2595C
246   Pennsylvania National Mutual Casualty                         1.197      94-0548C
247   Petroleum Casualty Company                                    1.127      97-5366C
248   Petrosurance Casualty Company                                 1.320      97-0257C
249   Pharmacists Mutual Insurance Company #                        1.362   PHAR-126379048
      Pharmacists Mutual Insurance Company #                        1.682   PHAR-126379048
      Pharmacists Mutual Insurance Company #                        1.566      06-4353C
250   Phico Insurance Company                                       1.265      95-4733C
251   Phoenix Assurance Company of New York                       1.232        02-5296C
252   Phoenix Insurance Company                                   1.650        01-3562C
253   Physicians Liability Insurance Company                      1.240        01-2826C
254   Potomac Insurance Company of Illinois                       1.188        98-4538C
255   Preferred Professional Insurance Company                    1.152     PERR-125339665
256   Protective Insurance Company                                1.490     BALG-125881320
257   Providence Property and Casualty                            1.353        05-3994C
258   Quanta Indemnity Company                                    1.520        01-3868C
259   Ranger Insurance Company                                    1.332        98-0045C
260   Realm National Insurance Company                            1.760        04-3938C
261   Redland Insurance Company                                   1.500        06-2499C
262   Regent Insurance Company                                    1.258        04-1054C
263   Reinsurance Company of America                              1.472        04-4076C
264   Republic Fire & Casualty Insurance Company                  1.750   TRGR-125797566
265   Republic Underwriters Insurance Company                     1.525        02-2453C
266   Riscorp National Insurance Company                          1.290        97-2570C
267   Rockwood Casualty Insurance Company                         1.350   RWCA-125929477
268   Royal Indemnity Company                                     1.232        02-5296C
269   Royal Insurance Company of America                          1.643        02-5296C
270   SFM Mutual Insurance Company                                1.414   SFMC-125330895
271   SUA Insurance Company                                       1.550        07-2602C
272   Safeco Insurance Company of America                         1.260        98-4923C
273   Safeguard Insurance Company                                 1.397        02-5296C
274   Safety First Insurance Company                              1.560        02-5050C
275   Safety National Casualty Corporation                        1.150        00-3906C
276   Sagamore Insurance Company                                  1.657        04-2784C
277   SeaBright Insurance Company                                 1.262     SBIC-125784993
278   Security Insurance Company of Hartford                      1.807        02-5296C
279   Security National Insurance Company                         1.200     UNKP-125894566
280   Select Insurance Company                                    1.187        97-2451C
281   Seneca Insurance Company                                    1.366   REGU-126361011
282   Sentinel Insurance Company Limited                          1.227     HART-126062104
283   Sentry Casualty Company                                     1.246     SEPX-125234709
284   Sentry Select Insurance Company                             1.252     SEPX-125373473
285   Sentry Insurance, A Mutual Company                          1.448     SEPX-125373473
286   Sequoia Insurance Company                                   1.308     PERR-126128091
287   Service Lloyds Insurance Company                            1.560        03-3968C
288   Southern Insurance Company                                  1.525        02-2453C
289   Southern Underwriters Insurance                             1.525        02-2453C
290   Sparta Insurance Company                                    1.489     REGU-125328185
291   Specialty National Insurance Company                        1.510        03-2156C
292   Standard Fire Insurance Company (The)                       1.013         308312
293   Star Insurance Company                                      1.420        05-2698C
294   Starnet Insurance Company ###                               1.550         308464
295   State Auto Property & Casualty Insurance Company-Standard   1.576    SAMM-125908447
296   State Automobile Mutual Insurance Company-Preferred         1.340    SAMM-125908447
297   State Farm Fire & Casualty Insurance Company                1.060        99-4369C
298   State National Insurance Company, Incorporated    1.250   STNA-126296988
299   St. Paul Fire & Marine Insurance Company          1.447      04-4309C
300   St. Paul Guardian Insurance Company               1.230      04-4309C
301   St. Paul Medical Liability Insurance Company      1.348      95-0709C
302   St. Paul Mercury Insurance Company                1.230      04-4309C
303   Stonetrust Commercial Insurance Company           1.400      07-2599C
304   Technology Insurance Company                      1.360      06-1975C
305   T.H.E. Insurance Company                          1.350      01-3938C
306   The Continental Insurance Company                 1.000       309357
307   TIG Insurance Company                             1.351      02-0583C
308   TIG Premier Insurance Company                     1.351      02-0583C
309   TNUS Insurance Company                            0.987   WESA-125740889
310   Tokio Marine & Nichido Fire Insurance Company     1.408      04-3914C
311   Tower Insurance Company of New York               1.630   TWRG-125215974
312   Tower National Insurance Company                  1.479   TWRG-126174726
313   Toyota Motor Insurance Company                    1.071      96-4814C
314   Transcontinental Insurance Company                1.250      05-3508C
315   Transguard Insurance Company of America, Inc.     2.350   TRAX-125375702
316   Trans Pacific Insurance Company                   1.200   WESA-125740889
317   Transportation Insurance Company                  1.600      05-3508C
318   Travelers Casualty and Surety Company             1.375      97-0823C
319   Travelers Casualty Insurance Company of America   2.026      308312-07
320   Travelers Commercial Casualty Company             1.330      96-1461C
321   Travelers Indemnity Company                       1.237      97-0823C
322   Travelers Indemnity Company of America            1.168      97-0823C
323   Travelers Indemnity Company of Connecticut        1.513      98-4921C
324   Travelers Insurance Company                       1.375      97-0823C
325   Triangle Insurance Company, Inc. ***              1.437      03-4604C
      Triangle Insurance Company, Inc. ***              1.294      03-4604C
      Triangle Insurance Company, Inc. ***              1.006      03-4604C
      Triangle Insurance Company, Inc. ***              1.150      03-4604C
      Triangle Insurance Company, Inc. ***              1.078      03-4604C
326   Trinity Universal Insurance Company               1.392   OKLA-125361369
327   Truck Insurance Exchange                          1.696      07-2415C
328   Twin City Fire Insurance Company                  1.443   HART-126062104
329   U.S. Specialty Insurance Company                  1.280      00-1984C
330   Ulico Casualty Company                            1.250      97-0964C
331   Underwriters Insurance Company                    1.144      99-0897C
332   Union Insurance Company                           1.529   UNON-125924551
333   United Pacific Insurance Company                  1.125      97-2018C
334   United States Fidelity & Guaranty Company         1.302   TRVD-126186299
335   United States Fire Insurance Company              1.328      05-2644C
336   United Wisconsin Insurance Company                1.575    ACCD-12517049
337   Universal Underwriters Insurance Company^         1.875      04-4299C
      Universal Underwriters Insurance Company^         2.156      04-4299C
      Universal Underwriters Insurance Company^         1.763      04-4299C
      Universal Underwriters Insurance Company^         1.369      04-4299C
        Universal Underwriters Insurance Company^                      1.631          04-4299C
 338    Utica Mutual Insurance Company                                 1.153          97-3027C
 339    Valiant Insurance Company                                      1.642          04-3747C
        Valiant Insurance Company                                      1.795          04-3747C
 340    Valley Forge Insurance Company                                 1.250          05-3508C
 341    Vanliner Insurance Company                                     1.459       VANL-125922674
 342    Vigilant Insurance Company                                     2.095       CHUB-126403956
 343    Villanova Insurance Company                                    1.355          01-3780C
 344    Virginia Surety Company, Inc.                                  1.125          98-2760C
 345    Wausau Business Insurance Company                              0.733       LMUG-126347344
 346    Wausau Underwriters Insurance Company                          1.128       LMUG-126347344
 347    Wesco Insurance Company                                        1.540       SHNF-125438864
 348    West American Insurance Company                                1.250       LBRM-125909377
 349    Westfield Insurance Company                                    1.272          96-1940C
 350    Westport Insurance Corporation                                 1.523          07-2379C
 351    Work First Casualty Company                                    1.467          06-1474C
 352    XL Insurance America, Incorporated                             1.066       XLAM-125301376
 353    XL Specialty Insurance Company                                 1.333       XLAM-125301376
 354    Yasuda Fire & Marine Insurance Company of America              1.641          02-0702C
 355    ZC Insurance Company                                           1.390          98-0709C
 356    Zenith Insurance Company                                       1.582          03-4998C
 357    Zurich American Insurance Company                              1.568       ZURC-125878716
        Zurich American Insurance Company                              1.657       ZURC-126365735
 358    Zurich American Insurance Company of Illinois                  1.882       ZURC-125878716
        Zurich American Insurance Company of Illinois                  1.988       ZURC-126365735

        AVERAGE                                                       1.435
        MEDIAN                                                        1.418
        MINIMUM                                                       0.733
        MAXIMUM                                                       2.350


*1.45 on all other codes; 1.76 on class codes 8824, 8825, 8826, 8829, 8832, 8833, 8835, 8842, 8864, 9040-
**1.453/1.671on all class codes except code 6216 (1.234) for both companies-Bituminous Casualty/Bitumino
*** 1.437 on all classes except 7380(1.294), 8304(1.006), 8353(1.15), 8720(1.078)-Triangle Ins. Co Inc.
***** .95 on class code 4511 Bancinsure Inc.
*****1.20 on class codes 8810, 8820, 8832 and 8868
*****1.26 on class codes 8601, 8605,8742, 9015
*****1.28 on class codes 4611, 8013, 8017, 9012, 9101
*****1.40 on class codes 0042, 3724, 5020, 5022, 5102, 5183, 5190, 5215, 5348, 5403, 5437, 5445, 5462, 5
*****1.350 on all other class codes
******1.618 on class codes 3113, 3629, 3632, 4299, 5190, 8013, 8058, 8116, 8232, 8394, 9620-Federated M
******1.425 on class code 8391
******1.500 on all other class codes
*******1.456 on class codes 3113, 3629, 3632, 4299, 5190, 8013, 8058, 8116, 8232, 8394, 9620-Federated
*******1.286 on class code 8391
*******1.350 on all other class codes
^1.875 on all other class codes-Universal Underwriters Ins. Co.
^2.156 on class codes 0083, 3632, 3821,8391, 8393, 8742, 8748, 8810
^1.763 on class code 8010
^1.369 on class code 8046
^1.631 on class code 8116