The document summarizes numerous property/casualty insurance rate and rule filings approved by the Tennessee Department of Commerce and Insurance. Many of the filings increased loss cost multipliers or rates to reduce the impact of approved loss cost decreases. Others involved rate increases for specific lines like homeowners, commercial auto, or workers compensation of between 5-25%. One filing withdrew a $20 fee for dishonored payments.

1. Marketplace Update
2018 Vol. 02 February 23, 2018
Copyright 2018 by the Independent Insurance Agents of Tennessee, Inc. For Members Only.
The following filings have been approved or filed by the Tennessee Department of Commerce & Insurance
1 of 4
Company Filing
Company Filings Made With the TN Department of Commerce & Insurance
Acuity Revising PP Auto rates and numerous rules so that an overall increase of 4.0% is
produced effective 4-23-18 for NB and 6-23-18 for RB.
Acuity Revising PP Auto rates and rules so that an overall 4.0% increase is produced
effective 4-23-18 for NB and 6-26-18 for RB.
American National P&C Increasing WC LCM from 1.392 to 1.423 effective 3-1-18. By increasing LCM the
overall decrease of 10.1% is less than the decrease approved for the NCCI
American Pet Revising rates and rules for pet insurance so that an overall 5.0% increase is
produced effective 5-1-18.
American Service Adopting ISO 2017 commercial auto loss cost and ILFs and revising LCMs effective
Gateway 3-1-18. Overall increase for American Service is 25.0% and 24.0% for Gateway.
AmGuard Increasing WC LCMs effective 3-1-18 so that the overall decrease is less than the
EastGuard loss cost decrease approved for the NCCI. The overall percentage changes and Nor-
Guard changes in LCMs are:
Auto-Owners Revising rates and rules for HO effective 4-12-18 for NB and 5-18-18 for RB.
Although actuarial indicated need was 62.7% company filed was approved for a
5.2% increase.
BITCO National Decreasing WC LCMs so that an overall decrease of 14.2% is produced effective
BITCO General 3-1-18. BITCO National LCM reduced from 1.75 to 1.66 and BITCO General
reduced from 1.487 to 1.411.
Carolina Casualty Increasing WC LCM from 1.62 to 1.70 effective 3-1-18. With the increase in the
LCM the overall change us -0.126% which is much less that approved for the NCCI.
To explain the increase in the LCM the filing states “To remain competitive within
the state, we chose to change our company selected LCM from 1.62 to 1.70.”
Central Mutual Filing a rating factor of 0.95 for all PP Auto coverages except UM for any insured
that has a valid insurance license from the Department of Commerce and Insurance.
Effective 7-1-18.
Crestbrook Revising rates and rules for HO so that a 16.0% increase is produced effective
6-15-18.
Crestbrook Revising rates and rules for PP Autos so that an overall 19.5% increase is produced
effective 6-15-18.
Dairyland Increasing rates for motorcycles 15.0% effective 7-26-18 for RB only as NB is no
longer being written.
Direct Revising rates and rules for PP Auto so that an overall 5.06% increase is produced
effective 1-22-18 for NB and 3-8-18 for RB.
Essentia Revising rates and rules for the Classic Auto program so that an overall 0.389%
increase is produced effective 5-1-18 for NB and 6-1-18 for RB.
Federated Mutual Revising rates and rules for commercial autos effective 5-15-18. Overall increases
Federated Service are 10.7% for Federated Mutual and 9.3% for Federated Service.
LCM %
AmGUARD 1.42 to 1.48 -13.0%
EastGUARD 1.23 to 1.28 -10.203%
NorGUARD 1.53 to 1.60 -10.613%

2. Copyright 2018 by the Independent Insurance Agents of Tennessee, Inc. For Members Only. 2 of 4
Chubb Companies Increasing WC LCMs effective 3-1-18. By increasing LCMs the overall decreeases
are less than that approved for the NCCI. Changes in LCMs and parentage changes
are:
Crum & Forster Indemnity Revising WC LCMs effective 3-1-15. LCMs are increased so that the overall
North River decreases are less than approved for the NCCI. Percentage decreases and changes in
United States Fire LCMs are:
FFVA Mutual Withdrawal of $20 NSF fee for any dishonored check or ACH payment received
from the insured. Effective 2-5-18.
GuideOne Specialty Mutual Initial filing of WC LCM off 1.695 effective 5-1-18.
Harco National Increasing liability rates 6.0% with no change for physical damage rates for the
commercial auto truckers program. Effective 3-1-18.
Hartford Group Increasing WC LCMs and other rule changes effective 3-1-18 so that the overall
changes are less than a 1.0% decrease except for Hartford A&I which is a 5.1%
increase.
ISO Decreasing loss cost for motorcycles 3.6% effective 8-1-18.
MGA Revising PP Auto rates effective 11-16-17 for NB and 1-16-18 for RB so that an
overall increase of 6.7% is produced.
National American Increasing WC LCM from 1.89 to 1.943 effective 3-1-18. Overall decrease is 3.02%
which is much lower than the decrease in loss cost approved for the NCCI.
Occidental F&C of North Carolina Increasing liability rates 6.0% with no change for physical damage rates for the
commercial auto truckers program. Effective 3-1-18.
Penn National Mutual Casualty Companies did not change WC LCMs on March 1st
but PNMC is reducing LCM
Penn National Security from 1.799 to 1.699 and PNS is reducing LCM from 1.361 to 1.299 effective 6-1-18.
Overall decreases are 5.6% for PNMC and 4.6% for PNS.
LCM %
Chubb Indemnity 1.661 to 1.711 -10.0%
Chubb National 1.108 to 1.163 -7.2%
Great Northern 1.994 to 2.093 -9.2%
Pacific Indemnity 1.883 to 1.976 -10.6%
Vigilant 2.215 to 2.325 -7.6%
Federal 2.218 to 2.325 -8.4%
LCM %
Crum & Forster Indemnity 1.74 to 2.01 -8.9%
North River 1.398 to 1.512 -7.8%
United States Fire 1.748 to 1.89 -4.8%
Marketplace Update
2018 Vol. 02 February 23, 2018
The following filings have been approved or filed by the Tennessee Department of Commerce & Insurance
Company Filing
Company Filings Made With the TN Department of Commerce & Insurance

3. Copyright 2018 by the Independent Insurance Agents of Tennessee, Inc. For Members Only. 3 of 4
Privilege Underwriters Reciprocal Revising PP Auto rates and rules so that an overall 9.9% increase is produced
(PURE) effective 2-2-18 for NB and 3-31-18 for RB.
Protective Increasing WC LCM from 1.889 to 1.916 effective 3-1-18. By increasing LCM the
overall decrease of 10.4% is less than the decrease approved for the NCCI.
QBE Companies Increasing WC LCMs effective 3-1-18 thus the overall decreases are less than
approved for the NCCI. LCMs and percentage changes by company are:
Safe Auto Revising rates and numerous rules for PP Auto with no overall rates level change.
Effective 2-5-18 for MN and 3-13-18 for RB.
Safeco of Illinois Filing changes to the PP Auto scorecard with no overall rates level change.
effective 3-16-18 for NB and 5-17-18 for RB.
Sirius America Initial filing of a WC LCM of 1.37 effective 3-1-18. Target market will be small
employers.
Southern Trust Revising rates for dwelling fire so that a 5.0% rate level increase is produce effective
2-1-18 for NB and 3-15-18 for RB.
Spinnaker Initial filing of a HO program that will be distributed through a general agent, Hippo
Analytics, Inc., doing business as Hippo Insurance Services (Hippo). Effective
1-25-18.
Star Initial filing of a liquor liability program effective 1-29-18.
Travelers Companies Revising rates and rules for the Master Pac Legacy BOP program effective 6-1-18.
Overall increases by company are:
LCM %
Praetorian 1.665 to 1.70 -10.8%
QBE 1865 to 1.955 -8.4%
North Pointe 1.440 to 1.470 -10.8%
Stonington 1.000 to 1.000 -12.6%
General Casualty of WI 1.675 to 1.810 -5.6%
Regent 1.490 to 1.590 -6.7%
Charter Oak Fire 9.1%
Phoenix 8.8%
Travelers Indemnity 7.9%
Travelers Indemnity of America 2.2%
Travelers Indemnity of CT 7.5%
Travelers Property Casualty of America 8.0%
Marketplace Update
2018 Vol. 02 February 23, 2018
The following filings have been approved or filed by the Tennessee Department of Commerce & Insurance
Company Filing
Company Filings Made With the TN Department of Commerce & Insurance

4. Copyright 2018 by the Independent Insurance Agents of Tennessee, Inc. For Members Only. 4 of 4
Travelers Companies Increasing WC LCMs effective 3-1-18. The increases in LCMs results in smaller
reductions than approved for the NCCI loss cost. The changes in LCMs and overall
percentage decreases are:
Trexis Name changed from Alfa Vision. Revising PP Auto rates and rules so that an
overall 2.0% increase is produced effective 3-5-18 for NB and 4-7-18 for RB.
Union Revising WC LCMs for all companies except Firemen/s. By increasing LCMs the
Acadia effect of the NCCI approved loss cost is negated. Changes is LCMs and overall
Continental Western percentage changes are:
Firemen’s ofWashington DC
Unique Revising PP Auto rates and rules so that an overall decrease of 1.62% is produced
effective 2-15-18 for NB and 4-15-18 for RB.
Zurich American Companies Adopting ISO 2017 commercial auto loss cost and ILFs effective 8-1-18. Liability
and UM LCMs are increased 3.0%. Overall increases by company are American
Zurich 13.0%, American G&L 13.7%, Zurich American of IL 17.0% and
Zurich American 13.0%
LCM %
Travelers C&S 1.60 to 1.66 -10.0%
Farmington Casualty 0.96 to 0.996 -12.6%
Travelers Indemnity 1.12 to 1.162 -10.0%
Travelers Indemnity of America 1.28 to 1.328 -10.2%
Charter Oak Fire 1.44 to 1.494 -10.9%
Phoenix 1.76 to 1.826 -12.4%
Travelers Indemnity of CT 1.92 to 1.992 -10.2%
Travelers Property Casualty of America 2.08 to 2.158 -10.0%
Travelers Commercial Casualty 2.401 to 2.49 -10.4%
LCM %
Acadia 1.49 to 1.78 -0.1%
Union 1.85 to 2.13 0
Continental Western 2.15 to 2.49 -0.3%
Firemen’s 1.15 unchanged -16.0%
Marketplace Update
2018 Vol. 02 February 23, 2018
The following filings have been approved or filed by the Tennessee Department of Commerce & Insurance
Company Filing
Company Filings Made With the TN Department of Commerce & Insurance