Rate Filings Acted = Upon

LOUISIANA DEPARTMENT OF = INSURANCE

JAMES J. DONELON, COMMISSIONER

P.O. BOX 94214

BATON ROUGE, LOUISIANA = 70804-9214

OFFICE OF PROPERTY AND = CASUALTY/INSURANCE RATING=20 DIVISION

RATE AND RULE FILINGS ACTED UPON FOR = THE WEEK=20 OF JANUARY 30, 2012

Item Key: = 278043
PERMANENT=20 GENERAL ASSURANCE CORPORATION
19 - Private Passenger = Automobile
Revised=20 Rate only
Private Passenger=20 Auto
Direct Retail Call Center Program
Rate=20 Revision
- Base Rates
Overall=20 % Impact: +10.300%Overall=20 $ Impact: $219,851#=20 of Policyholders: 1302

Company=20 Reference: 201111R
The last revision to this program was +9.40% or = $209,967=20 which was approved under state tracking number 270859 effective=20 6/17/2011.

With this filing, the company proposes to revise the = base=20 rates.

The rate impact associated with this filing is +10.3% or = $219,851=20 affecting 1,302 policyholders.
Final Action: = Approved
Amended=20 from +8.5% or +$181,430 to +10.3% or=20 +$219,851.

Item Key: = 280331
HANOVER=20 INSURANCE COMPANY, THE
MASSACHUSETTS BAY INSURANCE COMPANY
HANOVER = AMERICAN INSURANCE COMPANY, THE
5 - Commercial Multiple = Peril
Revised Rule=20 only
Businessowners Program
Avenues BOP - Coverages and = Endorsements
Overall=20 % Impact: N/AOverall=20 $ Impact: N/A#=20 of Policyholders: 0

Company=20 Reference: LA11542CG00043
Requested Effective Dates - New: 03/01/2012 = Renewal: 03/01/2012

In an effort to = further=20 address the needs of the above-captioned companies' policyholders, four = optional=20 endorsements have been created to provide a notice of cancellation = to a=20 designated entity, a notice of a material change in coverage, and a = notice of=20 nonrenewal to designated entity when the insured has agreed in a = written=20 contract, written agreement or permit to provide notice to the = entity. =20 These forms are used in addition to approved ISO and proprietary=20 endorsements.The four new optional forms are:

Notice of Cancellation to Designated Entity - 401-1235=20
- This endorsement provides that a written notice of cancellation = for any=20 reason, other than nonpayment of premium, will be given to an entity = when=20 the insured has agreed in a written contract, written agreement or = permit to=20 provide notice to the entity. The form provides that the = entity will=20 be given notice no less than the number of days in advance of the = effective=20 date of cancellation that the insured is given. The intent of the=20 endorsement is solely to advise the entity of the cancellation and = the=20 effective date of the cancellation, and does not grant, alter, or = extend any=20 rights or obligations under the policy.
Notice of Cancellation to Designated Entity (Including Nonpayment = of=20 Premium) - 401-1236=20
- This endorsement provides that a written notice of cancellation = for any=20 reason, including nonpayment of premium, will be given to an entity = when the=20 insured has agreed in a written contract, written agreement or = permit to=20 provide notice to the entity. The endorsement states its = purpose is=20 solely to advise the entity of the cancellation and the effective = date of=20 the cancellation, and does not grant, alter, or extend any rights or = obligations under the policy.
Notice of Material Coverage Change to Designated Entity - 401-1239 =
- This endorsement provides that a written notice of a material = change in=20 coverage that reduces or restricts the insurance afforded by the = Commercial=20 General Liability Coverage Part will be given to an entity when the = insured=20 has agreed in a written contract, written agreement or permit to = provide=20 notice to the entity. The endorsement states its purpose is = solely to=20 advise the entity of the material change in coverage and the = effective date,=20 and does not grant, alter, or extend any rights or obligations under = the=20 policy.
Notice of Non Renewal to Designated Entity - 401-1240=20
- This endorsement provides that a written notice of nonrenewal = will be=20 given to an entity when the insured has agreed in a written = contract,=20 written agreement or permit to provide notice to the entity. = The=20 endorsement states its purpose is solely to advise the entity of the = nonrenewal and the effective date, and does not grant, alter, or = extend any=20 rights or obligations under the policy.

The = corresponding=20 form(s) filing, LDI Form Filing No. 280313, Company Form Filing No.=20 LA11542CG00044, was approved effective March 1, 2012.
Final = Action:=20 Approved

Item = Key:=20 278041
PERMANENT GENERAL ASSURANCE CORPORATION
19 - Private = Passenger Automobile
Revised Rate and Rule
Private Passenger Auto
LA Internet = Program
Revised Rate=20 and Rule
- Base = Rates
-=20 E-completion Discount
Overall=20 % Impact: +6.500%Overall=20 $ Impact: $226,051#=20 of Policyholders: 2243

Company=20 Reference: 201111I
The last revision to this program was +3.9% or = $141,174=20 which was approved under state tracking number 270857 effective=20 6/17/2011.

With this filing, the company proposes to revise the = base=20 rates for the Louisiana Internet program. The company also = proposes to=20 remove the E-completion Discount.

The rate impact = associated with=20 this filing is +6.500% or $226,051 affecting 2,243 policyholders. =20

Final Action: Approved
Amended from +9.8% or = +$341,494 to=20 +6.5% or +$226,501.

Item Key: = 280300
AMERICAS=20 INSURANCE COMPANY
4 - Homeowners
Revised Rate and = Rule
Homeowners=20 Program
Overall=20 % Impact: +10.3%Overall=20 $ Impact: $875,633#=20 of Policyholders: 4969

Company=20 Reference: AIC HO 12292011
Requested Effective Dates - New: = 03/01/2012=20 Renewal: 04/15/2012

The last adjustment = to this=20 program was approved in January 2011 (Item Key #267895) and resulted in = an=20 overall rate increase of +2.1% to be effective January 20, 2011 for new = business=20 and April 15, 2011 for renewal business.

The company states "This = filing=20 is being made to adjust rates for the HO-3 product".

With this = filing,=20 the company proposes the following:

A 10% increase to both wind and non-wind base rates for all = territories.=20
An increase to the credit given on homes built in the last 10 = years. =20 The credit will be increased by 10% for new construction and drop by=20 increments of 1% per year to an increase of 1% on 9 year old = homes. No=20 change is made to the Age of Dwelling rating factors on homes that are = 10=20 years old or greater.=20
This filing adds clarity to Preferred versus Standard rating=20 classifications. While fully renovated risks will continue to = receive a=20 renovation credit through treating the Year of Renovation as the Year = of=20 Construction in the rating calculation, going forward, the company = will use=20 the original year of construction for the determination of eligibility = for=20 Preferred rating, regardless of the renovated year.=20
Increase policy fees to $60.00 per policy on new business and = $35.00 per=20 policy on renewals (currently $25.00 on all). The difference in = new and=20 renewal fees reflects actual differences in underwriting expenses = incurred by=20 the company.

These changes will result in an overall rate increase of=20 +10.3% or +$875,633 = (4,969=20 policyholders).

Final Action: Approved

Item Key: = 281173
Unitrin Auto=20 and Home Insurance Company
33 - Other Lines
Installment = Program
Other Lines of = Business
Personal=20 Catastrophe Liability
Revised Bill Fee
Overall=20 % Impact: N/AOverall=20 $ Impact: N/A#=20 of Policyholders: 0

Company=20 Reference: LA PCL BILL FEE UPDATE
Requested Effective Dates - New: = 05/01/2012=20 Renewal: 05/01/2012

With this filing, = the=20 company is proposing to revise its Recurring Payment (Installment) = Fee. A = policyholder=20 will be required to pay installment charges unless the policyholder pays = the=20 premium in full for the entire policy term on or before the policy = effective=20 date. The Recurring Payment Fee is assessed on all installments set up = using a=20 recurring form of payment such as EFT or credit card.=20

This filing is to increase the amount of the Recurring Payment Fee = from $1.00=20 to $2.00 per installment.

There is no rate impact=20 associated with this filing.
Final Action: = Approved

Item Key: = 280128
Safeco=20 Insurance Company of America
1 - Property
Revised Rate = only
Landlord=20 Protection Program
Adoption of PIAL Filing Designation No.: = LA11-07
Overall=20 % Impact: +19.9%Overall=20 $ Impact: $530,984#=20 of Policyholders: 3508

Company=20 Reference: 2011-LA-CDF-R-1571
The last adjustment to this program was = approved in April 2011 (Item Key #270270) and resulted in an overall = rate=20 decrease of -3.2% to be effective July 9, 2011 for new business and = August 20,=20 2011 for renewal business.

With this filing, the company proposes = the=20 following changes:

Rate = Adjustments
The=20 company proposes to adopt The Property Insurance Association of = Louisiana's=20 (PIAL) Filing Designation No.: LA11-07 (approved as Item Key = #275038 to be=20 effective October 1, 2011). By adopting PIAL's rates, the company = revises=20 its Fire Coverages modifier from -3.4% to +1.6% and its Extended = Coverages=20 modifier from +26.7% to +70.3%.

Market=20 Relativities
The company proposes to update its market=20 relativities.

The company also proposes a change in the dwelling = fire=20 product guide. It is removing duplicate information only. = There are=20 no rule changes to the guide.

These changes will result in an = overall=20 rate increase of +19.9% or=20 +$530,984 (3,508 policyholders).
Final = Action:=20 Withdrawn
Withdrawn by company, per Ms. Judy Maddox's SERFF "Note = to=20 Reviewer" dated January 30, 2012.

Item Key: = 281271
HANOVER=20 INSURANCE COMPANY, THE
MASSACHUSETTS BAY INSURANCE COMPANY
HANOVER = AMERICAN INSURANCE COMPANY, THE
26 - Burglary And Theft
Delayed=20 Adoption
Burglary &=20 Theft
Delayed Adoption of ISO Filing Reference #:=20 CR-2011-ORU1
Overall=20 % Impact: N/AOverall=20 $ Impact: N/A#=20 of Policyholders: 0

Company=20 Reference: LA12059CG00001
Requested Effective Dates - New: 02/01/2013 = Renewal: 02/01/2013

With this filing, = the=20 company is proposing to delay adoption of Insurance Services = Office, Inc.=20 (ISO) designation # CR-2011-ORU1 approved for ISO under state tracking # = 276085=20 effective 4/01/2012. This was a revision to its multistate = rule which=20 contains a short-rate premium refund provision in accordance with 2011 = LA ACTS=20 135 (former S.B. 84) that amends R.S. 22:885 (B) to allow an insurer to=20 calculate unearned premium based on a short-rate provision contained in = any=20 insurance policy that has been filed and approved by the=20 commissioner. This filing contains a = table.

The=20 corresponding ISO form(s) filing, LDI Form Filing No. 276064, = Company Form=20 Filing No. CL-2011-OEND1, was approved effective March 1, = 2012.

The=20 companies propose an effective date of 2/01/2013 due to system=20 constraints.

There is no rate impact associated with this=20 filing.

Final Action: Approved

Item Key: = 279710
ATLANTIC=20 SPECIALTY INSURANCE COMPANY
17 - Other Liability
Initial Rate and=20 Rule
Professional Liability
Initial Rates and Rules for = Management &=20 Professional Liability and Cyber Liability
Overall=20 % Impact: N/AOverall=20 $ Impact: N/A#=20 of Policyholders: N/A

Company=20 Reference: ASIC-OL-BNK-LA-11-01-R
This filing is being made because = of the=20 OneBeacon consolidation and transfer project. With this = filing, the=20 company is introducing its rates and rules associated with the = Professional=20 Liability components of its new Banking program: Management &=20 Professional Liability and Cyber Liability. The company desires to = use=20 what was previously approved in Louisiana for an affiliate of the=20 Company.

The Management and Professional Liability Policy for = Financial=20 Institutions protects the personal assets of the directors,=20
officers and employees of financial institutions from losses arising = from=20 acts, errors, omissions, misstatements, misleading statements, neglect = or breach=20 of duty in their capacity as such. Losses include any amount which the = insured=20 persons are legally obligated to pay, including judgments, settlements, = and=20 defense costs.

The Cyber Liability and Intellectual Property Policy = (CLIP)=20 protects the Insured from losses arising from third-party actions = resulting from=20 =E2=80=9CWrongful Cyber Banking Acts=E2=80=9D. =E2=80=9CWrongful Cyber = Banking Act=E2=80=9D means any actual or=20 alleged act, error, omission, misstatement, misleading statement, = neglect or=20 breach of duty by any =E2=80=9CInsured Person=E2=80=9D or = =E2=80=9CFinancial Institution=E2=80=9D in connection=20 with =E2=80=9CCyber Banking Services=E2=80=9D. =E2=80=9CCyber Banking = Services=E2=80=9D are services provided by=20 the insured through the transmission of electronic data to or from an = internet=20 website or through a private computer network controlled by the = financial=20 institution.

No change has been made to the = previously=20 approved filing(s), with the following exception: if a form = referenced in this filing contains the name of the insurance company, = the=20 company will change the insurance company name to = =E2=80=9CAtlantic=20 Specialty Insurance Company=E2=80=9D. Likewise, if this = filing contains=20 previously approved rates identifying the insurance company, this filing = makes=20 one change to those documents, which is to change the name = of the=20 insurance company to =E2=80=9CAtlantic Specialty Insurance = Company=E2=80=9D. If=20 changes to a previously approved Louisiana amendatory = endorsement=20 are needed for regulatory compliance, an updated amendatory endorsement = is=20 included with the forms filing. If changes to a previously = approved=20 rate manual are needed for regulatory compliance, updated = Louisiana=20 rating pages are included with the rate filing.

The company will use the = previously=20 approved filing(s) exactly as it was approved for the = company=E2=80=99s=20 affiliate, other than changing the name of the insurance company = wherever it=20 appears in the approved forms = or rate=20 manual and providing Louisiana-specific updates for regulatory=20 compliance.

There is no rate impact associated with this=20 filing.

This filing requires approval of corresponding forms = submitted=20 under state tracking # 279698.

Final Action:=20 Approved
Contingent upon form(s) approval, LDI Form Filing No.=20 279698.

Item Key:=20 280197
AMERICAN MODERN HOME INSURANCE COMPANY
1 -=20 Property
Revised Rate and Rule
Dwelling Fire
DWG-1, DWG-3 and = Vacant=20 Dwelling Programs
Overall=20 % Impact: +8.92%Overall=20 $ Impact: $536,264#=20 of Policyholders: 6415

Company=20 Reference: 20110316-02
The last adjustment to this program was = approved in=20 June 2010 (Item Key #260202) and resulted in an overall rate increase of = +8.05%=20 to be effective October 15, 2010 for both new and renewal = business.

With=20 this filing, the company proposes the following=20 changes:

Eligibility & = Coverages
The=20 company is now accepting Vacant Condominiums under the DWG-1=20 Program.

Territory Definitions
The = company is=20 moving Avoyelles, Rapides and Vernon parishes from Territory 60 into = Territory=20 61.

UVRC Relativity Curves
The company = is=20 adding two new relativity curves for the Vacant = Program.

DWG-1=20 Rates
Increase Owner base rates by 5%.
Increase = Rental base=20 rates by 2%.
Increase Seasonal base rates by 2%.
Increase = Territory 62=20 relativity from 1.35 to 1.45.

DWG-3=20 Rates
Increase Owner base rates by 6%.
Increase = Rental base=20 rates by 2%.
Increase Seasonal base rates by 2%.
Increase = Territory 62=20 relativity from 1.35 to 1.45.

Vacant=20 Program
The company is adding Condos to the Vacant=20 Program.
The company will now be rating the Vacant Program on a base = rate=20 basis rather than a rate per $100 basis. The new base rate will be = $53.00.

Credits and Surcharges
The = company is=20 increasing the 3 and 4 family surcharge from 1.50 to=20 1.75.

Optional Coverages
The company = is adding=20 Identity Recovery Coverage at a rate of = $20.00.

Liability=20 Coverages
The company is revising the Medical Payments = maximum=20 limit up to $5,000. The rates for this coverage are $5.00 for the = $1,000=20 limit and $2.00 for each additional $1,000 thereafter.

In = addition to the=20 proposed revisions above, the company also proposes to revise the = structure=20 of the filing manual to provide a more efficient process within its = internal=20 system setup. Therefore, the formatting changes to the filing = itself are=20 extensive, but the actual changes to the program are minimal. = While=20 several items may have been removed from the filing, none of them, = unless=20 otherwise noted, are actual coverage changes. Items such as the = rating=20 algorithm and unnecessary definitions have been removed.

These = changes=20 will result in an overall rate increase of = +8.92% or=20 +$536,264 (6,415 = policyholders).

Companion forms=20 (Item Key #280124) were disapproved on January 11, 2012.
Final = Action:=20 Approved
Contingent upon form(s) approval, LDI Form Filing No. = 280124,=20 Company Form Filing No. 20111220-01.