New Rates Filed – November 23, 2015

Here are the latest workers’ comp rate filing changes. All of them were in Compline comparative rating two days after filing. The Big news is American International Group’s filings decrease rates – effective 1/1/16 – across the board 5.5% – except American Home which takes a 38.5% decrease. Pacific Comp reduces overall rates some 3.5%, while the Zenith carriers move insignificantly. Berkshire Hathaway’s California Ins Company – used jun the EquityComp program – takes a 8% decrease.

[AIG] American Home Assurance Company files a -38.5% rate decrease effective January 1, 2016
American Home Assurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, and revise its LCM.

[AIG] AIU Insurance Company files a -5.5% rate decrease effective January 1, 2016
AIU Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and introduce territory relativities.

[AIG] Commerce and Industry Insurance Company files a -5.5% rate decrease effective January 1, 2016
Commerce and Industry Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and introduce territory relativities.

[AIG] Granite State Insurance Company files a -5.5% rate decrease effective January 1, 2016
Granite State Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and revise its territory relativities.

[AIG] National Union Fire Insurance Company of Pittsburgh, PA files a -5.5% rate decrease effective January 1, 2016
National Union Fire Insurance Company of Pittsburgh, PA files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and introduce territory relativities.

[AIG] New Hampshire Insurance Company files a -5.5% rate decrease effective January 1, 2016
New Hampshire Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and introduce territory relativities.

[AIG] The Insurance Company of the State of Pennsylvania files a -5.5% rate decrease effective January 1, 2016
The Insurance Company of the State of Pennsylvania files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and introduce territory relativities.

[AIG] AIG Property Casualty Company files a -5.5% rate decrease effective January 1, 2016
AIG Property Casualty Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and introduce territory relativities.

[ALLEGHANY GROUP] Pacific Compensation Insurance Company files a -3.5% rate decrease effective December 31, 2015
Pacific Compensation Insurance Company files to adopt the 1/1/16 WCIRB pure premiums and revise its LCM.

[FAIRFAX FINANCIAL GROUP] Zenith Insurance Company files a +0.2% rate increase effective January 1, 2016
Zenith Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premium, revise its class modification factors, and revise its LCM.

[FAIRFAX FINANCIAL GROUP] ZNAT Insurance Company files a -0.3% rate decrease effective January 1, 2016
ZNAT Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premium, revise its class modification factors, and revise its LCM.

[NO GROUP] Falls Lake Fire and Casualty Company files a 0.0% rate change effective January 1, 2016
Falls Lake Fire and Casualty Company is filing their initial rate filing adopting the 1/1/16 WCIRB pure premiums, introducing premium discounts, schedule rating, minimum premiums, and territory factors

[NO GROUP] Alaska National Insurance Company files a -1.6% rate decrease effective January 1, 2016
Alaska National Insurance Company files to adopt the 1/1/16 WCIRB pure premiums

[NO GROUP] National Casualty Company files a -1.0% rate decrease effective January 1, 2016
National Casualty Company files to adopt the 1/1/16 WCIRB pure premiums, revise its LCM, and introduce schedule rating

[NO GROUP] The Dentist Insurance Company files a 0.0% rate change effective January 1, 2016
The Dentist Insurance Company files to adopt the 1/1/16 WCIRB pure premiums and revise its LCM

[AMERICAN CONTRACTORS INSURANCE GROUP] ACIG Insurance Company files a -2.02% rate decrease effective January 1, 2016
ACIG Insurance Company files to adopt the 1/1/16 WCIRB pure premiums

[NO GROUP] Preferred Professional Insurance Company files a -2.0% rate decrease effective January 1, 2016
Preferred Professional Insurance Company files to adopt the 1/1/16 WCIRB pure premiums

[BERKSHIRE HATHAWAY GROUP] California Insurance Company files a -8.0% rate decrease effective January 1, 2016
California Insurance Company files to adopt the 1/1/16 WCIRB pure premiums and revise its LCM

[MAINE EMPLOYERS MUTUAL INSURANCE GROUP] MEMIC Indemnity Company files a -9.0% rate decrease effective January 1, 2016
MEMIC Indemnity Company files to adopt the 1/1/16 WCIRB pure premiums and revise its minimum premiums

[MUNICH RE GROUP] American Alternative Insurance Corporation files a -4.7% rate decrease effective January 1, 2016
American Alternative Insurance Corporation files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and revise its territory factors.

[MUNICH RE GROUP] American Family Home Insurance Company files a -4.7% rate decrease effective January 1, 2016
American Family Home Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and revise its territory factors.

[MUNICH RE GROUP] American Modern Home Insurance Company files a -4.7% rate decrease effective January 1, 2016
American Modern Home Insurance Company files to adopt the 1/1/16 WCIRB pure premiums, revise its minimum premiums, revise its LCM, and revise its territory factors.

[SWISS RE GROUP] Westport Insurance Corporation files a -2.0% rate decrease effective January 1, 2016
Westport Insurance Corporation files to adopt the 1/1/16 WCIRB pure premiums and revise its minimum premiums.

[SWISS RE GROUP] North American Specialty Insurance Company files a -2.0% rate decrease effective January 1, 2016
North American Specialty Insurance Company files to adopt the 1/1/16 WCIRB pure premiums and revise its minimum premiums.

[SWISS RE GROUP] North American Elite Insurance Company files a -2.0% rate decrease effective January 1, 2016
North American Elite Insurance Company files to adopt the 1/1/16 WCIRB pure premiums and revise its minimum premiums.

[GUARD INSURANCE CO GROUP] AmGUARD Insurance Company files a +0.2% rate increase effective January 1, 2016
AmGUARD Insurance Company files to adopt the 1/1/16 WCIRB pure premiums.

[GUARD INSURANCE CO GROUP] EastGUARD Insurance Company files a -1.4% rate decrease effective January 1, 2016
EastGUARD Insurance Company files to adopt the 1/1/16 WCIRB pure premiums.

[GUARD INSURANCE CO GROUP] NorGUARD Insurance Company files a -2.0% rate decrease effective January 1, 2016
NorGUARD Insurance Company files to adopt the 1/1/16 WCIRB pure premiums.

[NO GROUP] Federated Rural Electric Insurance Exchange files a -14.4% rate decrease effective January 1, 2016
Federated Rural Electric Insurance Exchange files to adopt the 1/1/16 WCIRB pure premiums.

[HOUSTON INTERNATIONAL INSURANCE GROUP] Imperium Insurance Company files a -8.2% rate decrease effective January 1, 2016
Imperium Insurance Company files to adopt the 1/1/16 WCIRB pure premiums and revise its minimum premiums.

[BALDWIN & LYONS GROUP] Protective Insurance Company files a -7.1% rate decrease effective January 1, 2016
Protective Insurance Company files to implement their initial premium discount table.