Revised Workers' Compensation Classification Relativities, Expected Loss Rates, D Ratios, and Various Changes to the Texas Basic Manual of Rules, Classification and Experience Rating Plan and the Retrospective Rating Plan Manual for Workers Compensation and Employers Liability Insurance Tables downloadable in Word and Excel

512-305-7527 • 512-463-6122 fax www.tdi.state.tx.us Texas Department of Insurance Property & Casualty Program - Actuarial, Mail Code 105-5G 333 Guadalupe • P. O. Box 149104, Austin, Texas 78714-9104 October 8, 1999 Commissioners’ Bulletin No. B-0051-99 W.C. Circular Letter No. 697 Retrospective Rating Article No. 190 TO ALL ISURANCE COMPANIES, CORPORATIONS, EXCHANGES, MUTUALS, RECIPROCALS, ASSOCIATIONS, LLOYDS, OR OTHER INSURERS WRITING WORKERS’ COMPENSATION AND EMPLOYERS’ LIABILITY INSURANCE IN THE STATE OF TEXAS, THEIR AGENTS AND REPRESENTATIVES, AND TO THE PUBLIC GENERALLY: RE: REVISED WORKERS’ COMPENSATION CLASSIFICATION RELATIVITIES, EXPECTED LOSS RATES, D RATIOS, AND VARIOUS CHANGES TO THE TEXAS BASIC MANUAL OF RULES, CLASSIFICATION AND EXPERIENCE RATING PLAN AND THE RETROSPECTIVE RATING PLAN MANUAL FOR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE. Notice is hereby given that the Commissioner of Insurance has entered Commissioner’s Order No. 99- 1371 dated October 1, 1999 which adopted revised Texas workers’ compensation classification relativities (classification relativities) and revised the following items in the Texas Basic Manual of Rules, Classifications and Experience Rating Plan for Workers’ Compensation and Employers’ Liability Insurance (the Basic Manual): • Expected Loss Rates • Admiralty / FELA Operations Liability Limit Table • Offshore Operations Liability Limit Table • Tables of Premium Credits for Promulgated Deductibles • W and B Values • State Accident Limit The order also amended the following items in the Retrospective Rating Plan Manual for Workers’ Compensation and Employers’ Liability Insurance (the Retro Manual): • Table of Insurance Charges – Group Assignment • Table of Classification by Hazard Group • Excess Loss Premium Factors The Commissioner determined after public notice and a public hearing held on September 7, 1999 that revisions to the relativities and manuals were necessary to reflect changes that have occurred through the passage of time such as technological advances, improvement of safety programs or economic trends. Description of the changes and rate level impact • Classification Relativities: The overall level of the relativities have not changed. The new classification relativities have been balanced back to the 1/1/1999 relativities level. During the process, the Commissioner limited the relativity change of any given class to +/- 25%. • Expected Loss Rates: The expected loss rates overall level have decreased by 14.6% from the 1/1/1999 level based on the statewide distribution. This will result in substantial increases in experience rating modifiers for many insureds. The maximum impact will be for the larger risks in classes where the expected loss rate decreases by 25%. In those cases, the experience modifier may increase by as much as 33%. Companies should carefully consider these changes in determining their deviations or independently filed relativities. • FELA / Admiralty and Offshore operations: The increased limit factors were determined to be insufficient. The Commissioner has increased them and capped the increases at 50%. The largest limits have the highest increases. • Promulgated Deductible Discount Plans: The discounts for the various plans have increased substantially. • Excess Loss Premium Factors: Since these factors have not been updated for many years, the factors have increased significantly to reflect economic trends. • Other Changes: Other elements have been updated to better reflect current levels. The State Accident Limit has been raised to $107,000, the W and B Values have been updated so that the self rating point is reached at $1.2 million instead of $1.0 million of expected losses. The Insurance Charge Group Assignment has been revised to better reflect current expected loss levels. Finally, the Table of Classification by Hazard Group used in the Retrospective Rating Manual has been updated to take into account the recent countrywide experience adjusted to the Texas classification system. Actions Required by Carriers All insurance companies must either use the revised classification relativities adopted by the Commissioner’s Order No. 99-1371or file their own individually developed company specific relativities for all workers’ compensation policies written with an effective date on or after January 1, 2000. In other words, for policies with an effective date on or after January 1, 2000, insurance companies may no longer use the January 1, 1999 relativities as the basis of rates. All rates must be based either on the January 1, 2000 relativities or on company specific relativities that have been filed with TDI. Insurance companies may use the new relativities prior to January 1, 2000, provided they notify TDI on or before their selected effective date. The revised expected loss rates, D-ratios and other experience rating elements (State Accident Limit, W and B values) must be used to calculate an experience modifier with an effective date on or after January 1, 2000. They may not be used to calculate an experience modifier with an effective date prior to January 1, 2000. All the other elements of the Basic and Retrospective Manual apply to workers’ compensation policies with an effective date on and after January 1, 2000. Required Submissions from Companies Companies that do not wish to change their deviations only have to complete the attached affidavit to confirm the date they will start using the new relativities (it must be no later than January 1, 2000). There will not be any file number assigned by TDI in those cases. If a company elects to change its deviations (even if it is for only one class you should answer yes to the question in the notice of carrier intent attached) it will be considered as a rate filing and the company will have to comply with the instructions for rate changes found in “Filings Made Easy” published by TDI. The company will also have to complete and include the attached affidavit with the rate filing and a TDI file number will be assigned to those filings. For further information or questions in regard to this bulletin, please contact Yves Doyon, Senior Actuary in the Property and Casualty Division at (512) 305 7527 or by E-Mail at yves_doyon@tdi.state.tx.us. Sincerely, Philip O. Presley Chief Actuary Property and Casualty Division Technical Appendix – Experience Rating Calculation of the W and B values Some Insurers or agents may calculate the W and B values directly instead of using the provided table. Here is the formula to use: If E < 175,000 B = (0.1*E) + (0.01028*S) Ø Minimum of 7,500 C = {E * [(0.75*E) + (0.81530 * S)]} / [E + (0.0204*S)] W = (E + B) / (E + C) Ø Minimum of 0.07 If 175,000 <= E <= 1,200,000 B = [(0.1*E) + (0.01028*S)] * {[(1,200,000 – E) / 1,025,000] EXP 1.5} W = 0.262 + {[(E – 175,000) / 1,025,000] * (1 – 0.262)} If E > 1,200,000 B = 0 W = 1.00 Where: • S = “state reference point” = 580,000 • E = Total Expected Losses Classes that were merged effective January 1, 1999 The following classes were merged effective January 1, 1999 but, for experience rating purposes, they are still used to calculate the experience modifiers. The expected loss rates that are to apply for these codes are those of the surviving codes. Old Class New Class ELR D Ratio 9078 9079 2.24 0.27 8038 9079 2.24 0.27 8393 8391 1.80 0.27 8605 8601 0.30 0.23 3093 3028 2.80 0.26 3076 3066 3.33 0.27 4113 4101 1.21 0.26 9403 9402 4.40 0.25 2883 2881 2.91 0.27 2150 6504 3.77 0.28 7389 7380 3.32 0.25 Texas Department of Insurance 333 Guadalupe Street P.O. Box 149104 Austin, Texas 78714-9104 512/463-6169 Notice of Carrier Intent Group Name: ____________________________________ Company Name NAIC # 1/1/2000 Rate Current Proposed Relativities Change Average Average Adoption (Y - Deviation Change) Deviation Deviation Date (N – No Change) ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ ___________________ ________ ___/___/_____ ____ ________ ________ Notice of Carrier Intent Certification I, ___________________________, am an officer of the ____________________________________ and in that capacity, I certify that all the information contained above is complete, correct, and true to the best of my knowledge and belief. _____________________________________ Officer’s Signature _____________________________________ Officer’s Title Sheet 1 of 5 EXHIBIT A TEXAS WORKERS' COMPENSATION RELATIVITIES AVAILABLE FOR IMMEDIATE USE MANDATORY EFFECTIVE DATE 1/1/2000 Current Class New Class Relativity Current Class New Class Relativity 0005 0005 5.86 2361 2361 1.03 0008 0008 9.32 2380 2380 4.15 0011 0011 13.42 2501 2501 14.66 0016 0016 6.91 2503 2503 1.28 0034 0034 15.23 2532 2532 2.08 0035 0035 4.53 2534 2534 4.73 0037 0037 8.77 2560 2560 10.52 0042 0042 10.46 2576 2576 9.99 0059 0059 'a' 2578 2578 13.20 0065 0065 'a' 2581 2581 8.36 0066 0066 'a' 2583 2583 4.55 0067 0067 'a' 2587 2587 3.97 0079 0079 7.18 2670 2670 5.93 0083 0083 10.99 2683 2683 7.31 0106 0106 17.13 2688 2688 10.99 0113 0113 5.86 2702 2702 17.32 0401 0401 26.68 2705 2705 19.94 0913 0913 'a' 2710 2710 11.69 1165 1165 'a' 2719 2719 16.30 1321 1321 2.82 2731 2731 5.66 1438 1438 6.53 2790 2790 2.58 1463 1463 20.25 2802 2802 11.95 1472 1472 7.59 2835 2835 8.93 1701 1701 7.77 2881 2881 7.19 1747 1747 11.87 2923 2923 3.66 1803 1803 5.94 3004 3004 7.81 1924 1924 9.04 3022 3022 7.33 2003 2003 8.69 3027 3027 2.12 2014 2014 9.65 3028 3028 7.09 2040 2040 6.10 3040 3040 12.18 2041 2041 4.63 3041 3041 10.20 2068 2068 11.99 3042 3042 5.64 2081 2081 8.80 3064 3064 10.11 2095 2095 8.64 3066 3066 7.33 2105 2105 11.83 3081 3081 15.29 2111 2111 6.03 3082 3082 7.54 2114 2114 7.70 3085 3085 7.76 2121 2121 4.61 3110 3110 8.64 2157 2157 7.03 3111 3111 8.65 2172 2172 1.28 3113 3113 4.67 2211 2211 23.22 3114 3114 4.32 2220 2220 4.54 3126 3126 4.77 2260 2260 8.85 3131 3131 6.02 2286 2286 5.66 3132 3132 6.91 2288 2288 7.98 3146 3146 7.47 Sheet 2 of 5 EXHIBIT A TEXAS WORKERS' COMPENSATION RELATIVITIES AVAILABLE FOR IMMEDIATE USE MANDATORY EFFECTIVE DATE 1/1/2000 Current Class New Class Relativity Current Class New Class Relativity 3179 3179 7.93 4045 4045 14.78 3220 3220 5.86 4062 4062 8.32 3223 3223 7.50 4101 4101 3.11 3224 3224 6.85 4112 4112 2.03 3227 3227 13.26 4114 4114 6.88 3255 3255 5.43 4130 4130 9.39 3257 3257 8.65 4150 4150 4.53 3300 3300 14.44 4206 4206 7.86 3316 3316 8.64 4207 4207 2.49 3331 3331 14.66 4239 4239 3.29 3365 3365 19.01 4243 4243 5.83 3372 3372 9.00 4244 4244 8.64 3383 3383 2.81 4250 4250 2.24 3507 3507 8.35 4273 4273 8.00 3548 3548 2.11 4279 4279 5.47 3574 3574 1.39 4282 4282 3.26 3620 3620 7.81 4283 4283 9.62 3629 3629 4.91 4299 4299 4.17 3632 3632 6.88 4304 4304 5.70 3639 3639 6.67 4307 4307 6.32 3642 3642 12.23 4351 4351 0.81 3643 3643 6.10 4360 4360 2.44 3647 3647 5.66 4361 4361 3.26 3648 3648 10.63 4362 4362 0.98 3681 3681 3.41 4410 4410 8.04 3685 3685 1.93 4417 4417 4.68 3719 3719 6.36 4420 4420 7.74 3724 3724 7.03 4431 4431 6.51 3726 3726 9.44 4432 4432 5.39 3805 3805 4.57 4439 4439 5.35 3807 3807 9.52 4452 4452 5.96 3808 3808 6.37 4459 4459 5.90 3821 3821 8.59 4470 4470 5.26 3822 3822 8.06 4484 4484 7.05 3823 3823 7.17 4511 4511 2.41 3824 3824 7.71 4519 4519 8.13 3830 3830 3.95 4558 4558 5.12 3865 3865 8.64 4568 4568 3.36 3881 3881 18.25 4583 4583 10.64 4000 4000 9.96 4611 4611 3.36 4021 4021 9.94 4635 4635 3.55 4024 4024 6.87 4653 4653 3.95 4034 4034 9.92 4665 4665 15.66 4036 4036 5.82 4670 4670 8.21 4038 4038 10.45 4692 4692 1.29 Sheet 3 of 5 EXHIBIT A TEXAS WORKERS' COMPENSATION RELATIVITIES AVAILABLE FOR IMMEDIATE USE MANDATORY EFFECTIVE DATE 1/1/2000 Current Class New Class Relativity Current Class New Class Relativity 4693 4693 3.17 5190 5190 8.69 4703 4703 2.93 5191 5191 2.06 4712 4712 7.43 5192 5192 7.13 4716 4716 2.88 5200 5200 10.64 4717 4717 2.97 5203 5203 20.31 4720 4720 3.49 5213 5213 18.90 4740 4740 2.53 5220 5220 7.85 4743 4743 1.19 5348 5348 9.25 4751 4751 3.32 5403 5403 16.89 4766 4766 'a' 5437 5437 12.49 4777 4777 'a' 5443 5443 12.98 4800 4800 'a' 5462 5462 11.91 4801 4801 'a' 5474 5474 11.74 4802 4802 'a' 5479 5479 14.50 4803 4803 'a' 5491 5491 6.75 4804 4804 'a' 5506 5506 13.12 4805 4805 'a' 5536 5536 8.60 4806 4806 'a' 5538 5538 15.13 4807 4807 'a' 5551 5551 27.56 4808 4808 'a' 5606 5606 3.70 4809 4809 'a' 5701 5701 28.44 4810 4810 'a' 6003 6003 22.91 4811 4811 'a' 6045 6045 5.66 4812 4812 'a' 6202 6202 25.29 4813 4813 'a' 6203 6203 3.69 4814 4814 'a' 6204 6204 19.65 4815 4815 'a' 6205 6205 'a' 4816 4816 'a' 6206 6206 6.08 4817 4817 'a' 6213 6213 8.84 4818 4818 'a' 6216 6216 11.17 4819 4819 'a' 6219 6219 11.28 4820 4820 'a' 6229 6229 9.73 4821 4821 'a' 6233 6233 13.70 4822 4822 'a' 6237 6237 4.95 4823 4823 'a' 6238 6238 24.86 4902 4902 5.78 6306 6306 13.53 4923 4923 2.42 6319 6319 9.28 5022 5022 16.51 6400 6400 15.30 5040 5040 27.79 6504 6504 9.18 5041 5041 21.96 6823 6823 7.63 5057 5057 21.44 6824 6824 10.52 5070 5070 19.98 6843 6843 8.96 5102 5102 11.85 6872 6872 18.50 5160 5160 6.92 6874 6874 20.08 5183 5183 8.82 7016 7016 23.22 Sheet 4 of 5 EXHIBIT A TEXAS WORKERS' COMPENSATION RELATIVITIES AVAILABLE FOR IMMEDIATE USE MANDATORY EFFECTIVE DATE 1/1/2000 Current Class New Class Relativity Current Class New Class Relativity 7024 7024 17.65 8034 8034 8.83 7046 7046 12.65 8039 8039 4.00 7047 7047 45.03 8044 8044 9.22 7098 7098 13.31 8045 8045 1.90 7099 7099 18.57 8047 8047 4.71 7133 7133 8.02 8058 8058 5.21 7134 7134 21.20 8102 8102 9.83 7135 7135 19.74 8106 8106 9.47 7219 7219 14.65 8107 8107 6.53 7230 7230 13.03 8113 8113 12.70 7309 7309 43.63 8209 8209 13.62 7313 7313 5.98 8215 8215 8.13 7317 7317 15.72 8227 8227 7.62 7327 7327 17.07 8231 8231 4.63 7350 7350 13.55 8234 8234 9.63 7360 7360 9.75 8264 8264 15.84 7380 7380 8.75 8265 8265 14.14 7382 7382 13.47 8288 8288 8.74 7390 7390 7.35 8292 8292 11.15 7405 7405 1.97 8293 8293 20.37 7418 7418 6.39 8295 8295 9.33 7421 7421 4.45 8304 8304 15.64 7422 7422 3.87 8350 8350 8.00 7423 7423 5.94 8385 8385 11.26 7502 7502 3.37 8387 8387 6.95 7515 7515 3.12 8391 8391 4.50 7520 7520 6.80 8601 8601 0.81 7538 7538 26.98 8606 8606 5.97 7539 7539 2.76 8607 8607 1.47 7580 7580 4.48 8709 8709 4.96 7590 7590 10.01 8726 8726 2.96 7600 7600 4.33 8742 8742 0.98 7602 7602 15.03 8748 8748 1.04 7610 7610 0.93 8752 8752 5.16 7704 7704 3.84 8754 8754 2.25 7720 7720 5.65 8755 8755 0.67 7855 7855 13.71 8803 8803 0.26 8002 8002 5.80 8809 8809 0.56 8006 8006 7.23 8810 8810 0.50 8008 8008 3.21 8820 8820 0.43 8013 8013 1.70 8828 8828 8.99 8017 8017 4.57 8829 8829 7.09 8018 8018 8.47 8831 8831 3.04 8032 8032 5.04 8832 8832 0.79 8033 8033 8.53 8833 8833 2.13 Sheet 5 of 5 EXHIBIT A TEXAS WORKERS' COMPENSATION RELATIVITIES AVAILABLE FOR IMMEDIATE USE MANDATORY EFFECTIVE DATE 1/1/2000 Current Class New Class Relativity Current Class New Class Relativity 8837 8837 'a' 8838 8838 0.92 8858 8858 0.76 8868 8868 0.92 8901 8901 0.58 9014 9014 7.91 9015 9015 6.99 9016 9016 5.86 9019 9019 2.68 9032 9032 7.17 9033 9033 6.99 9040 9040 8.55 9052 9052 6.90 9058 9058 4.35 9060 9060 4.06 9061 9061 3.29 9063 9063 2.96 9079 9079 5.31 9080 9080 2.77 9089 9089 2.49 9093 9093 3.76 9101 9101 8.27 9102 9102 7.28 9154 9154 3.83 9156 9156 2.75 9170 9170 50.71 9178 9178 12.32 9179 9179 25.78 9182 9182 3.91 9186 9186 33.53 9220 9220 10.84 9402 9402 11.05 9501 9501 6.81 9522 9522 4.47 9529 9529 16.11 9552 9552 16.32 9586 9586 2.55 9600 9600 2.55 9620 9620 2.49 9984 9984 'a' 9985 9985 'a' Sheet 1 of 5 Current Class New Class ELR D-Ratio Current Class New Class ELR D-Ratio 0005 0005 2.38 0.25 2361 2361 0.40 0.26 0008 0008 3.81 0.28 2380 2380 1.69 0.28 0011 0011 5.10 0.25 2501 2501 6.05 0.28 0016 0016 3.26 0.27 2503 2503 0.52 0.27 0034 0034 5.68 0.24 2532 2532 0.83 0.27 0035 0035 2.01 0.27 2534 2534 1.97 0.29 0037 0037 3.39 0.24 2560 2560 4.18 0.26 0042 0042 4.06 0.26 2576 2576 3.97 0.26 0059 0059 'a' 'a' 2578 2578 5.33 0.27 0065 0065 'a' 'a' 2581 2581 3.89 0.26 0066 0066 'a' 'a' 2583 2583 1.97 0.27 0067 0067 'a' 'a' 2587 2587 1.61 0.27 0079 0079 3.05 0.25 2670 2670 2.39 0.27 0083 0083 4.09 0.24 2683 2683 2.99 0.28 0106 0106 6.13 0.23 2688 2688 4.25 0.26 0113 0113 2.69 0.27 2702 2702 7.49 0.26 0401 0401 10.47 0.26 2705 2705 10.59 0.20 0913 0913 'a' 'a' 2710 2710 4.39 0.22 1165 1165 'a' 'a' 2719 2719 7.34 0.19 1321 1321 0.98 0.22 2731 2731 2.69 0.27 1438 1438 2.59 0.26 2790 2790 1.05 0.26 1463 1463 7.47 0.24 2802 2802 5.79 0.27 1472 1472 3.11 0.25 2835 2835 3.64 0.27 1701 1701 2.85 0.24 2881 2881 2.91 0.27 1747 1747 6.34 0.24 2923 2923 1.47 0.27 1803 1803 2.34 0.24 3004 3004 2.81 0.23 1924 1924 3.56 0.26 3022 3022 2.97 0.27 2003 2003 3.36 0.26 3027 3027 0.81 0.25 2014 2014 3.85 0.24 3028 3028 2.80 0.26 2040 2040 2.32 0.25 3040 3040 4.65 0.25 2041 2041 1.82 0.26 3041 3041 3.96 0.26 2068 2068 4.83 0.27 3042 3042 2.21 0.26 2081 2081 4.61 0.29 3064 3064 3.99 0.26 2095 2095 3.73 0.26 3066 3066 3.33 0.27 2105 2105 4.37 0.23 3081 3081 5.36 0.22 2111 2111 2.43 0.27 3082 3082 2.99 0.25 2114 2114 3.10 0.27 3085 3085 4.68 0.24 2121 2121 1.89 0.27 3110 3110 2.89 0.20 2157 2157 2.84 0.26 3111 3111 3.36 0.25 2172 2172 0.49 0.25 3113 3113 1.88 0.27 2211 2211 9.15 0.26 3114 3114 1.71 0.26 2220 2220 1.66 0.23 3126 3126 1.87 0.26 2260 2260 3.33 0.25 3131 3131 2.35 0.26 2286 2286 2.27 0.25 3132 3132 2.65 0.26 2288 2288 3.35 0.25 3146 3146 3.04 0.28 EXHIBIT B TEXAS WORKERS' COMPENSATION EFFECTIVE 1/1/2000 EXPECTED LOSS RATES AND D-RATIOS Sheet 2 of 5 Current Class New Class ELR D-Ratio Current Class New Class ELR D-Ratio EXHIBIT B TEXAS WORKERS' COMPENSATION EFFECTIVE 1/1/2000 EXPECTED LOSS RATES AND D-RATIOS 3179 3179 3.04 0.25 4045 4045 5.24 0.23 3220 3220 2.23 0.25 4062 4062 3.23 0.25 3223 3223 3.08 0.27 4101 4101 1.21 0.26 3224 3224 2.71 0.26 4112 4112 0.76 0.24 3227 3227 5.18 0.26 4114 4114 2.77 0.27 3255 3255 2.11 0.25 4130 4130 3.52 0.24 3257 3257 3.45 0.27 4150 4150 1.86 0.28 3300 3300 5.76 0.27 4206 4206 3.27 0.28 3316 3316 3.66 0.29 4207 4207 0.94 0.24 3331 3331 4.77 0.18 4239 4239 1.29 0.26 3365 3365 7.30 0.26 4243 4243 3.19 0.26 3372 3372 3.64 0.26 4244 4244 3.38 0.26 3383 3383 1.10 0.26 4250 4250 0.96 0.25 3507 3507 3.20 0.25 4273 4273 3.24 0.27 3548 3548 0.88 0.28 4279 4279 2.25 0.26 3574 3574 0.58 0.29 4282 4282 1.35 0.28 3620 3620 3.50 0.25 4283 4283 3.55 0.24 3629 3629 1.86 0.25 4299 4299 1.69 0.27 3632 3632 2.70 0.26 4304 4304 2.25 0.26 3639 3639 2.53 0.25 4307 4307 2.43 0.25 3642 3642 4.63 0.24 4351 4351 0.33 0.27 3643 3643 2.37 0.25 4360 4360 1.00 0.28 3647 3647 4.14 0.26 4361 4361 1.34 0.28 3648 3648 4.18 0.26 4362 4362 0.36 0.24 3681 3681 1.37 0.27 4410 4410 3.20 0.26 3685 3685 0.77 0.26 4417 4417 1.91 0.28 3719 3719 2.54 0.25 4420 4420 2.45 0.19 3724 3724 2.66 0.25 4431 4431 2.67 0.27 3726 3726 3.53 0.24 4432 4432 2.08 0.25 3805 3805 1.87 0.28 4439 4439 1.98 0.24 3807 3807 3.69 0.24 4452 4452 2.96 0.27 3808 3808 2.48 0.25 4459 4459 2.34 0.26 3821 3821 3.96 0.26 4470 4470 1.92 0.24 3822 3822 3.19 0.26 4484 4484 3.01 0.27 3823 3823 4.19 0.26 4511 4511 0.94 0.26 3824 3824 3.80 0.28 4519 4519 3.31 0.27 3830 3830 1.51 0.25 4558 4558 2.02 0.26 3865 3865 3.23 0.24 4568 4568 1.46 0.26 3881 3881 6.42 0.22 4583 4583 3.63 0.21 4000 4000 3.38 0.21 4611 4611 1.46 0.28 4021 4021 3.74 0.21 4635 4635 1.29 0.24 4024 4024 2.76 0.24 4653 4653 1.76 0.26 4034 4034 4.43 0.26 4665 4665 6.92 0.25 4036 4036 2.25 0.26 4670 4670 3.25 0.27 4038 4038 4.01 0.25 4692 4692 0.51 0.26 Sheet 3 of 5 Current Class New Class ELR D-Ratio Current Class New Class ELR D-Ratio EXHIBIT B TEXAS WORKERS' COMPENSATION EFFECTIVE 1/1/2000 EXPECTED LOSS RATES AND D-RATIOS 4693 4693 1.31 0.28 7024 7024 12.62 0.18 4703 4703 1.13 0.25 7046 7046 6.16 0.21 4712 4712 2.89 0.24 7047 7047 15.05 0.19 4716 4716 1.23 0.25 7098 7098 6.84 0.21 4717 4717 1.17 0.26 7099 7099 9.92 0.21 4720 4720 1.67 0.27 7133 7133 3.71 0.23 4740 4740 0.90 0.23 7134 7134 8.19 0.26 4743 4743 0.43 0.23 7135 7135 8.79 0.21 4751 4751 1.20 0.24 7219 7219 5.60 0.25 4766 4766 'a' 'a' 7230 7230 5.26 0.28 4777 4777 'a' 'a' 7309 7309 26.88 0.21 4800 4800 'a' 'a' 7313 7313 3.14 0.20 4801 4801 'a' 'a' 7317 7317 5.61 0.23 4802 4802 'a' 'a' 7327 7327 7.88 0.22 4803 4803 'a' 'a' 7350 7350 6.81 0.24 4804 4804 'a' 'a' 7360 7360 4.33 0.26 4805 4805 'a' 'a' 7380 7380 3.32 0.25 4806 4806 'a' 'a' 7382 7382 5.13 0.25 4807 4807 'a' 'a' 7390 7390 2.94 0.27 4808 4808 'a' 'a' 7405 7405 0.74 0.25 4809 4809 'a' 'a' 7418 7418 1.89 0.17 4810 4810 'a' 'a' 7421 7421 1.63 0.24 4811 4811 'a' 'a' 7422 7422 1.29 0.21 4812 4812 'a' 'a' 7423 7423 2.18 0.24 4813 4813 'a' 'a' 7502 7502 1.15 0.22 4814 4814 'a' 'a' 7515 7515 1.05 0.21 4815 4815 'a' 'a' 7520 7520 2.59 0.25 4816 4816 'a' 'a' 7538 7538 8.42 0.19 4817 4817 'a' 'a' 7539 7539 0.95 0.22 4818 4818 'a' 'a' 7580 7580 1.68 0.25 4819 4819 'a' 'a' 7590 7590 4.12 0.25 4820 4820 'a' 'a' 7600 7600 1.63 0.25 4821 4821 'a' 'a' 7602 7602 5.71 0.25 4822 4822 'a' 'a' 7610 7610 0.35 0.25 4823 4823 'a' 'a' 7704 7704 1.50 0.27 4902 4902 2.87 0.27 7720 7720 2.22 0.27 4923 4923 0.98 0.27 7855 7855 6.50 0.25 5022 5022 6.36 0.26 8002 8002 2.28 0.26 5040 5040 10.73 0.26 8006 8006 3.72 0.27 5041 5041 8.01 0.24 8008 8008 1.27 0.26 5057 5057 8.19 0.26 8013 8013 0.68 0.27 5070 5070 7.45 0.25 8017 8017 1.83 0.27 5102 5102 4.63 0.26 8018 8018 3.39 0.27 5160 5160 2.68 0.26 8032 8032 2.02 0.27 5183 5183 3.37 0.25 8033 8033 3.46 0.27 Sheet 4 of 5 Current Class New Class ELR D-Ratio Current Class New Class ELR D-Ratio EXHIBIT B TEXAS WORKERS' COMPENSATION EFFECTIVE 1/1/2000 EXPECTED LOSS RATES AND D-RATIOS 5190 5190 3.30 0.25 8034 8034 3.89 0.28 5191 5191 0.80 0.26 8039 8039 1.58 0.26 5192 5192 2.86 0.27 8044 8044 3.62 0.26 5200 5200 4.22 0.26 8045 8045 1.38 0.26 5203 5203 8.58 0.25 8047 8047 1.87 0.26 5213 5213 6.87 0.24 8058 8058 2.05 0.26 5220 5220 4.80 0.27 8102 8102 3.93 0.27 5348 5348 3.61 0.26 8106 8106 3.53 0.25 5403 5403 7.19 0.26 8107 8107 2.49 0.25 5437 5437 4.96 0.27 8113 8113 4.82 0.25 5443 5443 4.85 0.22 8209 8209 5.44 0.27 5462 5462 4.71 0.27 8215 8215 3.11 0.25 5474 5474 4.85 0.26 8227 8227 2.95 0.26 5479 5479 6.84 0.25 8231 8231 2.38 0.24 5491 5491 2.69 0.27 8234 8234 3.68 0.25 5506 5506 4.80 0.24 8264 8264 6.02 0.25 5536 5536 3.47 0.27 8265 8265 5.79 0.26 5538 5538 5.96 0.26 8288 8288 4.30 0.25 5551 5551 11.27 0.26 8292 8292 4.42 0.26 5606 5606 1.41 0.25 8293 8293 8.04 0.26 5701 5701 11.00 0.22 8295 8295 3.82 0.28 6003 6003 9.45 0.24 8304 8304 5.78 0.24 6045 6045 2.82 0.25 8350 8350 2.73 0.21 6202 6202 9.22 0.24 8385 8385 4.38 0.26 6203 6203 1.27 0.22 8387 8387 2.85 0.26 6204 6204 7.75 0.27 8391 8391 1.80 0.27 6205 6205 'a' 'a' 8601 8601 0.30 0.23 6206 6206 2.07 0.22 8606 8606 1.93 0.19 6213 6213 3.17 0.22 8607 8607 0.72 0.22 6216 6216 5.09 0.26 8709 8709 2.42 0.26 6219 6219 4.19 0.24 8726 8726 1.03 0.22 6229 6229 4.01 0.25 8742 8742 0.37 0.25 6233 6233 4.90 0.23 8748 8748 0.41 0.27 6237 6237 1.68 0.21 8752 8752 1.92 0.24 6238 6238 13.49 0.24 8754 8754 0.91 0.27 6306 6306 6.27 0.22 8755 8755 0.26 0.26 6319 6319 3.82 0.26 8803 8803 0.10 0.25 6400 6400 7.19 0.25 8809 8809 0.21 0.24 6504 6504 3.77 0.28 8810 8810 0.20 0.26 6823 6823 2.95 0.26 8820 8820 0.18 0.28 6824 6824 4.41 0.25 8828 8828 3.51 0.26 6843 6843 3.17 0.18 8829 8829 4.82 0.26 6872 6872 6.46 0.23 8831 8831 1.22 0.27 6874 6874 13.50 0.21 8832 8832 0.32 0.28 7016 7016 11.36 0.23 8833 8833 0.83 0.26 Sheet 5 of 5 Current Class New Class ELR D-Ratio Current Class New Class ELR D-Ratio EXHIBIT B TEXAS WORKERS' COMPENSATION EFFECTIVE 1/1/2000 EXPECTED LOSS RATES AND D-RATIOS 8837 8837 'a' 'a' 8838 8838 0.37 0.27 8858 8858 0.30 0.26 8868 8868 0.36 0.26 8901 8901 0.24 0.28 9014 9014 3.14 0.26 9015 9015 2.72 0.26 9016 9016 2.53 0.27 9019 9019 1.07 0.25 9032 9032 3.30 0.27 9033 9033 2.73 0.25 9040 9040 3.37 0.26 9052 9052 2.91 0.27 9058 9058 1.91 0.28 9060 9060 1.70 0.27 9061 9061 1.40 0.27 9063 9063 1.18 0.27 9079 9079 2.24 0.27 9080 9080 1.07 0.25 9089 9089 0.98 0.26 9093 9093 1.49 0.26 9101 9101 3.36 0.28 9102 9102 2.92 0.27 9154 9154 1.51 0.27 9156 9156 1.12 0.27 9170 9170 19.60 0.27 9178 9178 4.66 0.25 9179 9179 9.70 0.24 9182 9182 1.50 0.25 9186 9186 14.56 0.24 9220 9220 4.17 0.25 9402 9402 4.40 0.25 9501 9501 2.57 0.25 9522 9522 2.29 0.26 9529 9529 6.14 0.25 9552 9552 5.97 0.24 9586 9586 1.07 0.29 9600 9600 1.01 0.26 9620 9620 0.94 0.25 9984 9984 'a' 'a' 9985 9985 'a' 'a' EXHIBIT C Page 1 of 6 Minimum Maximum W B W B 1 5,000 0.07 7,500 0.07 7,500 5,001 10,000 0.08 7,500 0.08 7,500 10,001 15,000 0.08 7,500 0.08 7,500 15,001 20,000 0.09 7,500 0.08 7,500 20,001 25,000 0.09 7,500 0.09 7,963 25,001 30,000 0.10 7,640 0.09 8,463 30,001 35,000 0.11 8,140 0.10 8,963 35,001 40,000 0.12 8,640 0.11 9,463 40,001 45,000 0.13 9,140 0.12 9,963 45,001 50,000 0.13 9,640 0.12 10,463 50,001 55,000 0.14 10,140 0.13 10,963 55,001 60,000 0.15 10,640 0.14 11,463 60,001 65,000 0.16 11,140 0.15 11,963 65,001 70,000 0.17 11,640 0.15 12,463 70,001 75,000 0.17 12,140 0.16 12,963 75,001 80,000 0.18 12,640 0.17 13,463 80,001 85,000 0.19 13,140 0.17 13,963 85,001 90,000 0.19 13,640 0.18 14,463 90,001 95,000 0.20 14,140 0.18 14,963 95,001 100,000 0.21 14,640 0.19 15,463 100,001 105,000 0.21 15,140 0.20 15,963 105,001 110,000 0.22 15,640 0.20 16,463 110,001 115,000 0.23 16,140 0.21 16,963 115,001 120,000 0.23 16,640 0.21 17,463 120,001 125,000 0.24 17,140 0.22 17,963 125,001 130,000 0.24 17,640 0.22 18,463 130,001 135,000 0.25 18,140 0.23 18,963 135,001 140,000 0.25 18,640 0.23 19,463 140,001 145,000 0.26 19,140 0.24 19,963 145,001 150,000 0.26 19,640 0.24 20,463 150,001 155,000 0.26 20,140 0.25 20,963 155,001 160,000 0.27 20,458 0.25 21,463 160,001 165,000 0.27 20,768 0.26 21,963 165,001 170,000 0.28 21,070 0.26 22,463 170,001 175,000 0.28 21,363 0.26 22,963 175,001 180,000 0.28 21,649 0.26 23,462 180,001 185,000 0.29 21,926 0.27 23,787 185,001 190,000 0.29 22,195 0.27 24,105 190,001 195,000 0.30 22,456 0.27 24,417 195,001 200,000 0.30 22,709 0.28 24,721 200,001 205,000 0.31 22,955 0.28 25,018 205,001 210,000 0.31 23,192 0.29 25,309 210,001 215,000 0.31 23,422 0.29 25,593 215,001 220,000 0.32 23,643 0.29 25,871 Expected Losses Current Values Proposed Values TABLE III W and B Values EXHIBIT C Page 2 of 6 Minimum Maximum W B W B Expected Losses Current Values Proposed Values TABLE III W and B Values 220,001 225,000 0.32 23,857 0.30 26,141 225,001 230,000 0.33 24,064 0.30 26,405 230,001 235,000 0.33 24,262 0.30 26,663 235,001 240,000 0.34 24,453 0.31 26,914 240,001 245,000 0.34 24,637 0.31 27,158 245,001 250,000 0.34 24,813 0.31 27,396 250,001 255,000 0.35 24,981 0.32 27,627 255,001 260,000 0.35 25,142 0.32 27,852 260,001 265,000 0.36 25,295 0.33 28,070 265,001 270,000 0.36 25,441 0.33 28,282 270,001 275,000 0.37 25,580 0.33 28,488 275,001 280,000 0.37 25,712 0.34 28,687 280,001 285,000 0.37 25,836 0.34 28,880 285,001 290,000 0.38 25,953 0.34 29,066 290,001 295,000 0.38 26,063 0.35 29,247 295,001 300,000 0.39 26,166 0.35 29,421 300,001 305,000 0.39 26,262 0.35 29,589 305,001 310,000 0.40 26,350 0.36 29,751 310,001 315,000 0.40 26,432 0.36 29,906 315,001 320,000 0.41 26,507 0.36 30,056 320,001 325,000 0.41 26,575 0.37 30,199 325,001 330,000 0.41 26,636 0.37 30,336 330,001 335,000 0.42 26,691 0.38 30,468 335,001 340,000 0.42 26,739 0.38 30,593 340,001 345,000 0.43 26,780 0.38 30,712 345,001 350,000 0.43 26,814 0.39 30,826 350,001 355,000 0.44 26,842 0.39 30,933 355,001 360,000 0.44 26,864 0.39 31,035 360,001 365,000 0.44 26,879 0.40 31,131 365,001 370,000 0.45 26,887 0.40 31,221 370,001 375,000 0.45 26,889 0.40 31,305 375,001 380,000 0.46 26,885 0.41 31,384 380,001 385,000 0.46 26,874 0.41 31,457 385,001 390,000 0.47 26,858 0.41 31,524 390,001 395,000 0.47 26,835 0.42 31,586 395,001 400,000 0.47 26,806 0.42 31,642 400,001 405,000 0.48 26,771 0.43 31,692 405,001 410,000 0.48 26,730 0.43 31,737 410,001 415,000 0.49 26,683 0.43 31,776 415,001 420,000 0.49 26,630 0.44 31,810 420,001 425,000 0.50 26,571 0.44 31,839 425,001 430,000 0.50 26,506 0.44 31,862 430,001 435,000 0.51 26,436 0.45 31,880 435,001 440,000 0.51 26,360 0.45 31,892 EXHIBIT C Page 3 of 6 Minimum Maximum W B W B Expected Losses Current Values Proposed Values TABLE III W and B Values 440,001 445,000 0.51 26,278 0.45 31,899 445,001 450,000 0.52 26,190 0.46 31,901 450,001 455,000 0.52 26,098 0.46 31,897 455,001 460,000 0.53 25,999 0.47 31,889 460,001 465,000 0.53 25,895 0.47 31,875 465,001 470,000 0.54 25,786 0.47 31,856 470,001 475,000 0.54 25,672 0.48 31,832 475,001 480,000 0.54 25,552 0.48 31,803 480,001 485,000 0.55 25,427 0.48 31,769 485,001 490,000 0.55 25,297 0.49 31,730 490,001 495,000 0.56 25,162 0.49 31,686 495,001 500,000 0.56 25,022 0.49 31,637 500,001 505,000 0.57 24,877 0.50 31,583 505,001 510,000 0.57 24,727 0.50 31,525 510,001 515,000 0.57 24,572 0.50 31,461 515,001 520,000 0.58 24,412 0.51 31,393 520,001 525,000 0.58 24,248 0.51 31,320 525,001 530,000 0.59 24,079 0.52 31,243 530,001 535,000 0.59 23,905 0.52 31,160 535,001 540,000 0.60 23,727 0.52 31,073 540,001 545,000 0.60 23,544 0.53 30,982 545,001 550,000 0.60 23,357 0.53 30,886 550,001 555,000 0.61 23,166 0.53 30,785 555,001 560,000 0.61 22,970 0.54 30,681 560,001 565,000 0.62 22,771 0.54 30,571 565,001 570,000 0.62 22,567 0.54 30,457 570,001 575,000 0.63 22,359 0.55 30,339 575,001 580,000 0.63 22,147 0.55 30,217 580,001 585,000 0.64 21,931 0.55 30,090 585,001 590,000 0.64 21,711 0.56 29,959 590,001 595,000 0.64 21,487 0.56 29,824 595,001 600,000 0.65 21,260 0.57 29,685 600,001 605,000 0.65 21,029 0.57 29,542 605,001 610,000 0.66 20,794 0.57 29,394 610,001 615,000 0.66 20,556 0.58 29,243 615,001 620,000 0.67 20,314 0.58 29,088 620,001 625,000 0.67 20,069 0.58 28,928 625,001 630,000 0.67 19,821 0.59 28,765 630,001 635,000 0.68 19,569 0.59 28,598 635,001 640,000 0.68 19,315 0.59 28,427 640,001 645,000 0.69 19,057 0.60 28,253 645,001 650,000 0.69 18,796 0.60 28,074 650,001 655,000 0.70 18,533 0.61 27,892 655,001 660,000 0.70 18,266 0.61 27,707 EXHIBIT C Page 4 of 6 Minimum Maximum W B W B Expected Losses Current Values Proposed Values TABLE III W and B Values 660,001 665,000 0.70 17,997 0.61 27,518 665,001 670,000 0.71 17,725 0.62 27,325 670,001 675,000 0.71 17,451 0.62 27,129 675,001 680,000 0.72 17,174 0.62 26,929 680,001 685,000 0.72 16,895 0.63 26,726 685,001 690,000 0.73 16,613 0.63 26,519 690,001 695,000 0.73 16,329 0.63 26,309 695,001 700,000 0.74 16,043 0.64 26,096 700,001 705,000 0.74 15,755 0.64 25,880 705,001 710,000 0.74 15,465 0.64 25,661 710,001 715,000 0.75 15,173 0.65 25,438 715,001 720,000 0.75 14,880 0.65 25,213 720,001 725,000 0.76 14,584 0.66 24,984 725,001 730,000 0.76 14,287 0.66 24,752 730,001 735,000 0.77 13,989 0.66 24,518 735,001 740,000 0.77 13,689 0.67 24,280 740,001 745,000 0.77 13,388 0.67 24,040 745,001 750,000 0.78 13,086 0.67 23,797 750,001 755,000 0.78 12,783 0.68 23,551 755,001 760,000 0.79 12,479 0.68 23,303 760,001 765,000 0.79 12,174 0.68 23,052 765,001 770,000 0.80 11,868 0.69 22,798 770,001 775,000 0.80 11,562 0.69 22,542 775,001 780,000 0.80 11,255 0.69 22,284 780,001 785,000 0.81 10,947 0.70 22,023 785,001 790,000 0.81 10,640 0.70 21,759 790,001 795,000 0.82 10,332 0.71 21,494 795,001 800,000 0.82 10,025 0.71 21,226 800,001 805,000 0.83 9,717 0.71 20,956 805,001 810,000 0.83 9,410 0.72 20,684 810,001 815,000 0.84 9,103 0.72 20,410 815,001 820,000 0.84 8,797 0.72 20,134 820,001 825,000 0.84 8,492 0.73 19,856 825,001 830,000 0.85 8,187 0.73 19,576 830,001 835,000 0.85 7,883 0.73 19,294 835,001 840,000 0.86 7,581 0.74 19,010 840,001 845,000 0.86 7,280 0.74 18,725 845,001 850,000 0.87 6,980 0.75 18,438 850,001 855,000 0.87 6,682 0.75 18,150 855,001 860,000 0.87 6,386 0.75 17,860 860,001 865,000 0.88 6,092 0.76 17,569 865,001 870,000 0.88 5,800 0.76 17,276 870,001 875,000 0.89 5,511 0.76 16,982 875,001 880,000 0.89 5,224 0.77 16,687 EXHIBIT C Page 5 of 6 Minimum Maximum W B W B Expected Losses Current Values Proposed Values TABLE III W and B Values 880,001 885,000 0.90 4,941 0.77 16,390 885,001 890,000 0.90 4,660 0.77 16,093 890,001 895,000 0.90 4,383 0.78 15,795 895,001 900,000 0.91 4,109 0.78 15,495 900,001 905,000 0.91 3,839 0.78 15,195 905,001 910,000 0.92 3,573 0.79 14,894 910,001 915,000 0.92 3,312 0.79 14,592 915,001 920,000 0.93 3,056 0.80 14,289 920,001 925,000 0.93 2,805 0.80 13,986 925,001 930,000 0.93 2,559 0.80 13,683 930,001 935,000 0.94 2,319 0.81 13,379 935,001 940,000 0.94 2,086 0.81 13,075 940,001 945,000 0.95 1,859 0.81 12,771 945,001 950,000 0.95 1,640 0.82 12,466 950,001 955,000 0.96 1,429 0.82 12,161 955,001 960,000 0.96 1,226 0.82 11,857 960,001 965,000 0.97 1,032 0.83 11,552 965,001 970,000 0.97 849 0.83 11,248 970,001 975,000 0.97 677 0.83 10,944 975,001 980,000 0.98 518 0.84 10,641 980,001 985,000 0.98 372 0.84 10,338 985,001 990,000 0.99 243 0.85 10,035 990,001 995,000 0.99 133 0.85 9,734 995,001 1,000,000 1.00 47 0.85 9,433 1,000,001 1,005,000 0.86 9,133 1,005,001 1,010,000 0.86 8,834 1,010,001 1,015,000 0.86 8,536 1,015,001 1,020,000 0.87 8,240 1,020,001 1,025,000 0.87 7,945 1,025,001 1,030,000 0.87 7,652 1,030,001 1,035,000 0.88 7,360 1,035,001 1,040,000 0.88 7,070 1,040,001 1,045,000 0.89 6,782 1,045,001 1,050,000 0.89 6,496 1,050,001 1,055,000 0.89 6,212 1,055,001 1,060,000 0.90 5,930 1,060,001 1,065,000 0.90 5,652 1,065,001 1,070,000 0.90 5,375 1,070,001 1,075,000 0.91 5,102 1,075,001 1,080,000 0.91 4,832 1,080,001 1,085,000 0.91 4,565 1,085,001 1,090,000 0.92 4,301 1,090,001 1,095,000 0.92 4,042 1,095,001 1,100,000 0.92 3,786 EXHIBIT C Page 6 of 6 Minimum Maximum W B W B Expected Losses Current Values Proposed Values TABLE III W and B Values 1,100,001 1,105,000 0.93 3,534 1,105,001 1,110,000 0.93 3,286 1,110,001 1,115,000 0.94 3,043 1,115,001 1,120,000 0.94 2,805 1,120,001 1,125,000 0.94 2,572 1,125,001 1,130,000 0.95 2,345 1,130,001 1,135,000 0.95 2,123 1,135,001 1,140,000 0.95 1,908 1,140,001 1,145,000 0.96 1,699 1,145,001 1,150,000 0.96 1,497 1,150,001 1,155,000 0.96 1,303 1,155,001 1,160,000 0.97 1,117 1,160,001 1,165,000 0.97 940 1,165,001 1,170,000 0.97 773 1,170,001 1,175,000 0.98 616 1,175,001 1,180,000 0.98 470 1,180,001 1,185,000 0.99 338 1,185,001 1,190,000 0.99 220 1,190,001 1,195,000 0.99 120 1,195,001 1,200,000 1.00 43 1,200,000 - - EXHIBIT D Texas Workers' Compensation and Employers' Liability Manual Page R-33 Limit Per Accident Factor Program I Program II Factor Program I Program II 25,000 $ 1.00 50 $ 100 $ 1.00 50 $ 100 $ 50,000 $ 1.07 54 $ 107 $ 1.23 54 $ 107 $ 100,000 $ 1.09 55 $ 109 $ 1.36 55 $ 109 $ 200,000 $ 1.12 56 $ 112 $ 1.48 56 $ 112 $ 300,000 $ 1.16 58 $ 116 $ 1.59 58 $ 116 $ 400,000 $ 1.18 59 $ 118 $ 1.70 59 $ 118 $ 500,000 $ 1.20 60 $ 120 $ 1.80 60 $ 120 $ Admiralty/F.E.L.A. Operations Liability Limit Table Minimum Premium Current Table Proposed Table Minimum Premium Off Shore Operation - Liability Limit Table New ILFs for Off Shore Lower Limit Lower Upper 25 30 40 50 100 150 200 250 300 400 500 Upper 25 30 40 50 100 150 200 250 300 400 500 Limit 25 1.00 25 1.00 30 1.03 1.04 30 1.03 1.07 35 1.05 1.06 35 1.05 1.09 40 1.07 1.08 1.09 40 1.07 1.11 1.19 45 1.08 1.09 1.10 45 1.08 1.12 1.20 50 1.10 1.11 1.12 1.13 50 1.10 1.14 1.22 1.30 70 1.12 1.13 1.14 1.15 70 1.12 1.16 1.24 1.32 100 1.15 1.16 1.17 1.18 1.19 100 1.15 1.19 1.27 1.36 1.48 150 1.18 1.19 1.20 1.21 1.22 1.23 150 1.18 1.23 1.31 1.39 1.52 1.58 200 1.20 1.21 1.22 1.23 1.24 1.25 1.27 200 1.20 1.25 1.33 1.41 1.55 1.61 1.68 250 1.23 1.24 1.25 1.26 1.27 1.28 1.29 1.30 250 1.23 1.28 1.36 1.45 1.58 1.64 1.70 1.75 300 1.25 1.26 1.27 1.28 1.29 1.30 1.31 1.32 1.33 300 1.25 1.30 1.38 1.47 1.61 1.67 1.73 1.78 1.82 350 1.27 1.28 1.29 1.30 1.31 1.32 1.33 1.34 1.35 350 1.27 1.32 1.41 1.49 1.63 1.70 1.76 1.80 1.85 400 1.29 1.30 1.31 1.32 1.33 1.34 1.35 1.36 1.37 1.38 400 1.29 1.34 1.43 1.52 1.66 1.72 1.78 1.83 1.88 1.99 500 1.33 1.34 1.35 1.36 1.37 1.38 1.39 1.40 1.41 1.42 1.43 500 1.33 1.38 1.47 1.56 1.71 1.77 1.84 1.88 1.93 2.05 2.15 linda_changes_01012000_1.xls OffShore 10/18/1999 EXHIBIT F Page 1 of 6 Aggregate Hazard Hazard Hazard Hazard Aggregate Hazard Hazard Hazard Hazard Limit Group I Group II Group III Group IV Limit Group I Group II Group III Group IV 2,000 $ 7.8% 7.5% 6.7% 6.3% 2,000 $ 13.8% 13.3% 11.9% 11.1% 4,000 $ 11.8% 11.6% 10.1% 9.4% 4,000 $ 18.3% 18.0% 15.7% 14.6% 6,000 $ 16.2% 15.8% 14.1% 12.9% 6,000 $ 21.8% 21.3% 19.0% 17.4% 8,000 $ 17.9% 17.4% 15.4% 14.0% 8,000 $ 25.1% 24.4% 21.6% 19.7% 10,000 $ 19.0% 18.5% 16.2% 14.8% 10,000 $ 28.0% 27.2% 23.9% 21.8% 15,000 $ n/a n/a n/a n/a 15,000 $ n/a n/a n/a n/a 25,000 $ n/a n/a n/a n/a 25,000 $ n/a n/a n/a n/a 50,000 $ n/a n/a n/a n/a 50,000 $ n/a n/a n/a n/a 75,000 $ n/a n/a n/a n/a 75,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a Aggregate Hazard Hazard Hazard Hazard Aggregate Hazard Hazard Hazard Hazard Limit Group I Group II Group III Group IV Limit Group I Group II Group III Group IV 2,000 $ 6.9% 6.7% 6.1% 5.7% 2,000 $ 11.4% 11.0% 10.0% 9.4% 4,000 $ 10.9% 10.7% 9.5% 8.9% 4,000 $ 16.2% 15.9% 14.1% 13.2% 6,000 $ 15.1% 14.4% 13.1% 12.3% 6,000 $ 20.0% 19.1% 17.4% 16.3% 8,000 $ 17.0% 16.3% 14.6% 13.7% 8,000 $ 22.9% 21.9% 19.7% 18.4% 10,000 $ 18.4% 17.7% 15.7% 14.6% 10,000 $ 25.6% 24.6% 21.8% 20.3% 15,000 $ 25.0% 24.5% 21.9% 20.7% 15,000 $ 30.3% 29.7% 26.5% 25.1% 25,000 $ 30.5% 29.9% 26.5% 24.8% 25,000 $ 38.7% 37.9% 33.6% 31.4% 50,000 $ n/a n/a n/a n/a 50,000 $ n/a n/a n/a n/a 75,000 $ n/a n/a n/a n/a 75,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a Aggregate Hazard Hazard Hazard Hazard Aggregate Hazard Hazard Hazard Hazard Limit Group I Group II Group III Group IV Limit Group I Group II Group III Group IV 2,000 $ 5.1% 5.0% 4.8% 4.5% 2,000 $ 9.0% 8.8% 8.5% 8.0% 4,000 $ 8.9% 8.7% 8.1% 7.7% 4,000 $ 12.9% 12.6% 11.7% 11.1% 6,000 $ 12.0% 11.8% 11.0% 10.3% 6,000 $ 16.1% 15.8% 14.8% 13.8% 8,000 $ 14.2% 13.9% 12.8% 11.9% 8,000 $ 19.2% 18.8% 17.3% 16.1% 10,000 $ 15.9% 15.6% 14.1% 13.1% 10,000 $ 21.9% 21.4% 19.4% 18.0% 15,000 $ 21.4% 21.1% 19.7% 18.4% 15,000 $ 26.5% 26.2% 24.4% 22.8% 25,000 $ 27.8% 27.3% 25.0% 23.2% 25,000 $ 34.8% 34.1% 31.3% 29.0% 50,000 $ 39.6% 39.6% 36.3% 33.9% 50,000 $ 47.0% 47.0% 43.1% 40.2% 75,000 $ n/a n/a n/a n/a 75,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a Aggregate Hazard Hazard Hazard Hazard Aggregate Hazard Hazard Hazard Hazard Limit Group I Group II Group III Group IV Limit Group I Group II Group III Group IV 2,000 $ 3.5% 3.5% 3.4% 3.3% 2,000 $ 7.5% 7.5% 7.3% 7.1% 4,000 $ 6.4% 6.4% 6.1% 5.9% 4,000 $ 10.2% 10.2% 9.7% 9.4% 6,000 $ 9.3% 9.1% 8.7% 8.5% 6,000 $ 12.8% 12.5% 12.0% 11.7% 8,000 $ 11.6% 11.3% 10.7% 10.3% 8,000 $ 15.8% 15.4% 14.6% 14.0% 10,000 $ 13.5% 13.1% 12.2% 11.6% 10,000 $ 18.1% 17.6% 16.4% 15.6% 15,000 $ 18.1% 17.9% 16.7% 16.1% 15,000 $ 22.4% 22.2% 20.7% 19.9% 25,000 $ 24.8% 24.4% 22.3% 21.3% 25,000 $ 30.5% 30.0% 27.4% 26.2% 50,000 $ 36.0% 36.0% 33.3% 31.5% 50,000 $ 42.7% 42.7% 39.5% 37.4% 75,000 $ 44.3% 44.3% 41.1% 39.0% 75,000 $ 49.0% 49.0% 45.4% 43.1% 100,000 $ n/a n/a n/a n/a 100,000 $ n/a n/a n/a n/a Aggregate Hazard Hazard Hazard Hazard Aggregate Hazard Hazard Hazard Hazard Limit Group I Group II Group III Group IV Limit Group I Group II Group III Group IV 2,000 $ 2.6% 2.6% 2.5% 2.5% 2,000 $ 6.9% 6.9% 6.7% 6.7% 4,000 $ 4.9% 4.9% 4.8% 4.7% 4,000 $ 9.1% 9.1% 8.9% 8.7% 6,000 $ 7.1% 7.1% 6.9% 6.8% 6,000 $ 11.2% 11.2% 10.9% 10.7% 8,000 $ 9.1% 9.0% 8.7% 8.5% 8,000 $ 13.3% 13.1% 12.7% 12.4% 10,000 $ 10.9% 10.8% 10.3% 9.9% 10,000 $ 15.3% 15.1% 14.4% 13.9% 15,000 $ 15.2% 15.1% 14.5% 13.9% 15,000 $ 19.2% 19.1% 18.3% 17.6% 25,000 $ 21.8% 21.6% 20.3% 19.1% 25,000 $ 26.7% 26.5% 24.9% 23.4% 50,000 $ 33.3% 32.5% 30.3% 28.8% 50,000 $ 39.8% 38.8% 36.2% 34.4% 75,000 $ 41.8% 40.8% 38.1% 36.2% 75,000 $ 48.5% 47.4% 44.2% 42.0% 100,000 $ 48.1% 47.2% 44.1% 42.0% 100,000 $ 54.9% 53.9% 50.4% 48.0% Current Discounts Proposed Discounts Premium Credits (%) by Aggregate Limit Estimated Annual Premium Range: $ 5 001 to $ 10 000 Estimated Annual Premium Range: $ 10 001 to $ 25 000 Estimated Annual Premium Range: $ 25 001 to $ 50 000 Estimated Annual Premium Range: $ 50 001 to $ 75 000 Estimated Annual Premium Range: $ 75 001 to $ 100 000 EXHIBIT F Page 2 of 6 Per Accident Hazard Hazard Hazard Hazard Per Accident Hazard Hazard Hazard Hazard Deductible Group I Group II Group III Group IV Deductible Group I Group II Group III Group IV 1,000 $ 6.0% 5.9% 4.8% 4.6% 1,000 $ 14.9% 13.9% 7.0% 5.7% 2,500 $ 10.4% 9.8% 8.7% 7.9% 2,500 $ 18.8% 17.4% 10.7% 8.9% 5,000 $ 16.2% 15.8% 13.8% 12.5% 5,000 $ 23.9% 22.7% 15.6% 13.4% 10,000 $ 26.5% 25.5% 21.5% 19.4% 10,000 $ 36.4% 34.3% 25.2% 22.4% 25,000 $ 48.4% 46.8% 40.3% 36.7% 25,000 $ 59.0% 55.4% 43.5% 39.9% Current Discounts Proposed Discounts Premium Credit Per Accident Deductible EXHIBIT F Page 3 of 6 Hazard Group I Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 5.4% 2,000 $ 13.4% 4,000 $ 5.8% 4,000 $ 14.4% 6,000 $ 6.0% 9.6% 6,000 $ 14.9% 17.4% 8,000 $ 6.0% 9.9% 8,000 $ 14.9% 17.9% 10,000 $ 6.0% 10.1% 14.4% 10,000 $ 14.9% 18.3% 21.3% 15,000 $ 15,000 $ 25,000 $ 25,000 $ 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 5.2% 2,000 $ 12.9% 4,000 $ 5.8% 4,000 $ 14.4% 6,000 $ 5.9% 9.3% 6,000 $ 14.7% 16.8% 8,000 $ 6.0% 9.6% 8,000 $ 14.9% 17.4% 10,000 $ 6.0% 9.8% 13.9% 10,000 $ 14.9% 17.7% 20.5% 15,000 $ 6.0% 10.1% 14.8% 15,000 $ 14.9% 18.3% 21.9% 25,000 $ 6.0% 10.3% 15.6% 23.1% 25,000 $ 14.9% 18.6% 23.1% 31.8% 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 4.3% 2,000 $ 10.7% 4,000 $ 5.3% 4,000 $ 13.2% 6,000 $ 5.7% 8.6% 6,000 $ 14.2% 15.6% 8,000 $ 5.8% 9.1% 8,000 $ 14.4% 16.5% 10,000 $ 5.9% 9.5% 13.2% 10,000 $ 14.7% 17.2% 19.5% 15,000 $ 6.0% 9.9% 14.3% 15,000 $ 14.9% 17.9% 21.1% 25,000 $ 6.0% 10.2% 15.4% 21.7% 25,000 $ 14.9% 18.5% 22.8% 29.8% 50,000 $ 6.0% 10.4% 16.0% 24.3% 35.8% 50,000 $ 14.9% 18.8% 23.6% 33.4% 43.6% 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 3.3% 2,000 $ 8.2% 4,000 $ 4.9% 4,000 $ 12.2% 6,000 $ 5.4% 7.5% 6,000 $ 13.4% 13.6% 8,000 $ 5.7% 8.3% 8,000 $ 14.2% 15.0% 10,000 $ 5.8% 8.9% 11.5% 10,000 $ 14.4% 16.1% 17.0% 15,000 $ 6.0% 9.5% 13.3% 15,000 $ 14.9% 17.2% 19.7% 25,000 $ 6.0% 10.1% 14.8% 20.8% 25,000 $ 14.9% 18.3% 21.9% 28.6% 50,000 $ 6.0% 10.3% 15.8% 24.1% 33.9% 50,000 $ 14.9% 18.6% 23.3% 33.1% 41.3% 75,000 $ 6.0% 10.4% 16.1% 25.3% 38.3% 75,000 $ 14.9% 18.8% 23.8% 34.8% 46.7% 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 2.5% 2,000 $ 6.2% 4,000 $ 4.2% 4,000 $ 10.5% 6,000 $ 5.1% 6.4% 6,000 $ 12.7% 11.6% 8,000 $ 5.5% 7.5% 8,000 $ 13.7% 13.6% 10,000 $ 5.7% 8.2% 9.9% 10,000 $ 14.2% 14.8% 14.6% 15,000 $ 6.0% 9.1% 12.1% 15,000 $ 14.9% 16.5% 17.9% 25,000 $ 6.0% 9.9% 14.1% 18.9% 25,000 $ 14.9% 17.9% 20.8% 26.0% 50,000 $ 6.0% 10.3% 15.5% 23.1% 31.5% 50,000 $ 14.9% 18.6% 22.9% 31.8% 38.4% 75,000 $ 6.0% 10.4% 16.0% 24.7% 36.5% 75,000 $ 14.9% 18.8% 23.6% 34.0% 44.5% 100,000 $ 6.0% 10.4% 16.1% 25.4% 39.4% 100,000 $ 14.9% 18.8% 23.8% 34.9% 48.0% Estimated Annual Premium Range: $ 75 001 to $ 100 000 Estimated Annual Premium Range: $ 5 001 to $ 10 000 Current Discounts Proposed Discounts Premium Credits (%) by Per Accident Deductible and Aggregate Limit Estimated Annual Premium Range: $ 10 001 to $ 25 000 Estimated Annual Premium Range: $ 25 001 to $ 50 000 Estimated Annual Premium Range: $ 50 001 to $ 75 000 EXHIBIT F Page 4 of 6 Hazard Group II Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 5.4% 2,000 $ 12.7% 4,000 $ 5.8% 4,000 $ 13.6% 6,000 $ 5.9% 9.1% 6,000 $ 13.9% 16.1% 8,000 $ 5.9% 9.4% 8,000 $ 13.9% 16.7% 10,000 $ 5.9% 9.6% 14.1% 10,000 $ 13.9% 17.0% 20.3% 15,000 $ 15,000 $ 25,000 $ 25,000 $ 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 5.1% 2,000 $ 12.0% 4,000 $ 5.7% 4,000 $ 13.4% 6,000 $ 5.8% 8.8% 6,000 $ 13.6% 15.6% 8,000 $ 5.9% 9.1% 8,000 $ 13.9% 16.1% 10,000 $ 5.9% 9.3% 13.6% 10,000 $ 13.9% 16.5% 19.6% 15,000 $ 5.9% 9.5% 14.4% 15,000 $ 13.9% 16.8% 20.7% 25,000 $ 5.9% 9.7% 15.2% 22.2% 25,000 $ 13.9% 17.2% 21.9% 29.9% 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 4.3% 2,000 $ 10.1% 4,000 $ 5.3% 4,000 $ 12.5% 6,000 $ 5.6% 8.2% 6,000 $ 13.2% 14.5% 8,000 $ 5.8% 8.7% 8,000 $ 13.6% 15.4% 10,000 $ 5.9% 9.0% 12.7% 10,000 $ 13.9% 15.9% 18.3% 15,000 $ 5.9% 9.4% 13.9% 15,000 $ 13.9% 16.7% 20.0% 25,000 $ 5.9% 9.7% 14.9% 21.0% 25,000 $ 13.9% 17.2% 21.4% 28.2% 50,000 $ 5.9% 9.8% 15.6% 23.5% 35.0% 50,000 $ 13.9% 17.4% 22.4% 31.6% 41.4% 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 3.3% 2,000 $ 7.8% 4,000 $ 4.8% 4,000 $ 11.3% 6,000 $ 5.4% 7.2% 6,000 $ 12.7% 12.8% 8,000 $ 5.6% 8.0% 8,000 $ 13.2% 14.2% 10,000 $ 5.8% 8.5% 11.3% 10,000 $ 13.6% 15.1% 16.3% 15,000 $ 5.9% 9.1% 13.0% 15,000 $ 13.9% 16.1% 18.7% 25,000 $ 5.9% 9.5% 14.4% 19.9% 25,000 $ 13.9% 16.8% 20.7% 26.8% 50,000 $ 5.9% 9.8% 15.4% 23.1% 33.2% 50,000 $ 13.9% 17.4% 22.2% 31.1% 39.3% 75,000 $ 5.9% 9.8% 15.7% 24.2% 37.3% 75,000 $ 13.9% 17.4% 22.6% 32.5% 44.1% 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 2.5% 2,000 $ 5.9% 4,000 $ 4.2% 4,000 $ 9.9% 6,000 $ 5.1% 6.3% 6,000 $ 12.0% 11.2% 8,000 $ 5.5% 7.3% 8,000 $ 12.9% 12.9% 10,000 $ 5.7% 8.0% 9.8% 10,000 $ 13.4% 14.2% 14.1% 15,000 $ 5.9% 8.8% 11.9% 15,000 $ 13.9% 15.6% 17.1% 25,000 $ 5.9% 9.4% 13.8% 18.4% 25,000 $ 13.9% 16.7% 19.8% 24.7% 50,000 $ 5.9% 9.8% 15.2% 22.4% 30.9% 50,000 $ 13.9% 17.4% 21.9% 30.1% 36.6% 75,000 $ 5.9% 9.8% 15.6% 23.8% 35.6% 75,000 $ 13.9% 17.4% 22.4% 32.0% 42.1% 100,000 $ 5.9% 9.8% 15.7% 24.5% 38.4% 100,000 $ 13.9% 17.4% 22.6% 33.0% 45.4% Premium Credits (%) by Per Accident Deductible and Aggregate Limit Current Discounts Proposed Discounts Estimated Annual Premium Range: $ 5 001 to $ 10 000 Estimated Annual Premium Range: $ 10 001 to $ 25 000 Estimated Annual Premium Range: $ 25 001 to $ 50 000 Estimated Annual Premium Range: $ 50 001 to $ 75 000 Estimated Annual Premium Range: $ 75 001 to $ 100 000 EXHIBIT F Page 5 of 6 Hazard Group III Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 4.4% 2,000 $ 6.4% 4,000 $ 4.7% 4,000 $ 6.9% 6,000 $ 4.7% 8.2% 6,000 $ 6.9% 10.1% 8,000 $ 4.8% 8.4% 8,000 $ 7.0% 10.4% 10,000 $ 4.8% 8.5% 12.2% 10,000 $ 7.0% 10.5% 13.8% 15,000 $ 15,000 $ 25,000 $ 25,000 $ 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 4.3% 2,000 $ 6.3% 4,000 $ 4.6% 4,000 $ 6.7% 6,000 $ 4.7% 7.9% 6,000 $ 6.9% 9.8% 8,000 $ 4.7% 8.1% 8,000 $ 6.9% 10.0% 10,000 $ 4.8% 8.3% 11.8% 10,000 $ 7.0% 10.3% 13.4% 15,000 $ 4.8% 8.5% 12.5% 15,000 $ 7.0% 10.5% 14.2% 25,000 $ 4.8% 8.6% 13.1% 19.2% 25,000 $ 7.0% 10.6% 14.8% 22.5% 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 3.8% 2,000 $ 5.5% 4,000 $ 4.4% 4,000 $ 6.4% 6,000 $ 4.6% 7.5% 6,000 $ 6.7% 9.3% 8,000 $ 4.7% 7.9% 8,000 $ 6.9% 9.8% 10,000 $ 4.7% 8.1% 11.3% 10,000 $ 6.9% 10.0% 12.8% 15,000 $ 4.8% 8.4% 12.2% 15,000 $ 7.0% 10.4% 13.8% 25,000 $ 4.8% 8.6% 12.9% 18.4% 25,000 $ 7.0% 10.6% 14.6% 21.6% 50,000 $ 4.8% 8.7% 13.4% 20.1% 31.5% 50,000 $ 7.0% 10.7% 15.2% 23.6% 34.0% 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 3.1% 2,000 $ 4.5% 4,000 $ 4.1% 4,000 $ 6.0% 6,000 $ 4.5% 6.7% 6,000 $ 6.6% 8.3% 8,000 $ 4.6% 7.3% 8,000 $ 6.7% 9.0% 10,000 $ 4.7% 7.7% 10.2% 10,000 $ 6.9% 9.5% 11.6% 15,000 $ 4.7% 8.2% 11.4% 15,000 $ 6.9% 10.1% 12.9% 25,000 $ 4.8% 8.5% 12.5% 17.6% 25,000 $ 7.0% 10.5% 14.2% 20.7% 50,000 $ 4.8% 8.7% 13.3% 20.0% 29.6% 50,000 $ 7.0% 10.7% 15.1% 23.5% 31.9% 75,000 $ 4.8% 8.7% 13.4% 20.7% 32.9% 75,000 $ 7.0% 10.7% 15.2% 24.3% 35.5% 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 2.4% 2,000 $ 3.5% 4,000 $ 3.8% 4,000 $ 5.5% 6,000 $ 4.3% 5.9% 6,000 $ 6.3% 7.3% 8,000 $ 4.5% 6.7% 8,000 $ 6.6% 8.3% 10,000 $ 4.6% 7.2% 9.1% 10,000 $ 6.7% 8.9% 10.3% 15,000 $ 4.7% 7.9% 10.8% 15,000 $ 6.9% 9.8% 12.2% 25,000 $ 4.8% 8.4% 12.2% 16.6% 25,000 $ 7.0% 10.4% 13.8% 19.5% 50,000 $ 4.8% 8.7% 13.1% 19.4% 28.2% 50,000 $ 7.0% 10.7% 14.8% 22.8% 30.4% 75,000 $ 4.8% 8.7% 13.4% 20.4% 32.0% 75,000 $ 7.0% 10.7% 15.2% 24.0% 34.5% 100,000 $ 4.8% 8.7% 13.5% 20.9% 34.2% 100,000 $ 7.0% 10.7% 15.3% 24.5% 36.9% Premium Credits (%) by Per Accident Deductible and Aggregate Limit Current Discounts Proposed Discounts Estimated Annual Premium Range: $ 5 001 to $ 10 000 Estimated Annual Premium Range: $ 10 001 to $ 25 000 Estimated Annual Premium Range: $ 25 001 to $ 50 000 Estimated Annual Premium Range: $ 50 001 to $ 75 000 Estimated Annual Premium Range: $ 75 001 to $ 100 000 EXHIBIT F Page 6 of 6 Hazard Group IV Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 4.2% 2,000 $ 5.2% 4,000 $ 4.5% 4,000 $ 5.6% 6,000 $ 4.6% 7.5% 6,000 $ 5.7% 8.5% 8,000 $ 4.6% 7.7% 8,000 $ 5.7% 8.7% 10,000 $ 4.6% 7.8% 11.3% 10,000 $ 5.7% 8.8% 12.1% 15,000 $ 15,000 $ 25,000 $ 25,000 $ 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 4.1% 2,000 $ 5.1% 4,000 $ 4.4% 4,000 $ 5.5% 6,000 $ 4.5% 7.3% 6,000 $ 5.6% 8.3% 8,000 $ 4.6% 7.4% 8,000 $ 5.7% 8.4% 10,000 $ 4.6% 7.6% 11.0% 10,000 $ 5.7% 8.6% 11.8% 15,000 $ 4.6% 7.8% 11.6% 15,000 $ 5.7% 8.8% 12.4% 25,000 $ 4.6% 7.9% 12.2% 17.6% 25,000 $ 5.7% 8.9% 13.1% 20.4% 50,000 $ 50,000 $ 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 3.6% 2,000 $ 4.5% 4,000 $ 4.2% 4,000 $ 5.2% 6,000 $ 4.4% 6.9% 6,000 $ 5.5% 7.8% 8,000 $ 4.5% 7.2% 8,000 $ 5.6% 8.1% 10,000 $ 4.5% 7.4% 10.5% 10,000 $ 5.6% 8.4% 11.3% 15,000 $ 4.6% 7.7% 11.3% 15,000 $ 5.7% 8.7% 12.1% 25,000 $ 4.6% 7.8% 11.9% 16.7% 25,000 $ 5.7% 8.8% 12.8% 19.3% 50,000 $ 4.6% 7.9% 12.4% 18.3% 28.9% 50,000 $ 5.7% 8.9% 13.3% 21.2% 31.4% 75,000 $ 75,000 $ 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 3.0% 2,000 $ 3.7% 4,000 $ 3.9% 4,000 $ 4.9% 6,000 $ 4.2% 6.2% 6,000 $ 5.2% 7.0% 8,000 $ 4.4% 6.8% 8,000 $ 5.5% 7.7% 10,000 $ 4.5% 7.1% 9.7% 10,000 $ 5.6% 8.0% 10.4% 15,000 $ 4.6% 7.5% 10.8% 15,000 $ 5.7% 8.5% 11.6% 25,000 $ 4.6% 7.8% 11.7% 16.2% 25,000 $ 5.7% 8.8% 12.5% 18.7% 50,000 $ 4.6% 7.9% 12.3% 18.2% 27.7% 50,000 $ 5.7% 8.9% 13.2% 21.0% 30.1% 75,000 $ 4.6% 7.9% 12.4% 18.8% 30.5% 75,000 $ 5.7% 8.9% 13.3% 21.7% 33.1% 100,000 $ 100,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Aggregate 1,000 $ 2,500 $ 5,000 $ 10,000 $ 25,000 $ Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Limit Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. Per Acc. Ded. 2,000 $ 2.4% 2,000 $ 3.0% 4,000 $ 3.6% 4,000 $ 4.5% 6,000 $ 4.1% 5.6% 6,000 $ 5.1% 6.3% 8,000 $ 4.4% 6.3% 8,000 $ 5.5% 7.1% 10,000 $ 4.5% 6.8% 8.6% 10,000 $ 5.6% 7.7% 9.2% 15,000 $ 4.6% 7.3% 10.1% 15,000 $ 5.7% 8.3% 10.8% 25,000 $ 4.6% 7.7% 11.3% 15.4% 25,000 $ 5.7% 8.7% 12.1% 17.8% 50,000 $ 4.6% 7.9% 12.2% 17.8% 26.2% 50,000 $ 5.7% 8.9% 13.1% 20.6% 28.5% 75,000 $ 4.6% 7.9% 12.4% 18.6% 29.5% 75,000 $ 5.7% 8.9% 13.3% 21.5% 32.1% 100,000 $ 4.6% 7.9% 12.5% 18.9% 31.4% 100,000 $ 5.7% 8.9% 13.4% 21.9% 34.1% Premium Credits (%) by Per Accident Deductible and Aggregate Limit Current Discounts Proposed Discounts Estimated Annual Premium Range: $ 5 001 to $ 10 000 Estimated Annual Premium Range: $ 10 001 to $ 25 000 Estimated Annual Premium Range: $ 25 001 to $ 50 000 Estimated Annual Premium Range: $ 50 001 to $ 75 000 Estimated Annual Premium Range: $ 75 001 to $ 100 000 EXHIBIT G Page 1 of 2 Group min max min max 99 - 29 1 52 98 30 70 53 126 97 71 131 127 235 96 132 214 236 384 95 215 317 385 569 94 318 442 570 770 93 443 582 771 1,014 92 583 752 1,015 1,310 91 753 942 1,311 1,641 90 943 1,157 1,642 2,016 89 1,158 1,396 2,017 2,432 88 1,397 1,666 2,433 2,903 87 1,667 1,960 2,904 3,415 86 1,961 2,288 3,416 3,986 85 2,289 2,647 3,987 4,612 84 2,648 3,035 4,613 5,288 83 3,036 3,462 5,289 6,032 82 3,463 3,925 6,033 6,838 81 3,926 4,424 6,839 7,708 80 4,425 4,968 7,709 8,656 79 4,969 5,555 8,657 9,678 78 5,556 6,187 9,679 10,779 77 6,188 6,869 10,780 11,968 76 6,870 7,601 11,969 13,243 75 7,602 8,392 13,244 14,621 74 8,393 9,238 14,622 16,095 73 9,239 10,149 16,096 17,682 72 10,150 11,126 17,683 19,384 71 11,127 12,172 19,385 21,207 70 12,173 13,297 21,208 23,167 69 13,298 14,497 23,168 25,258 68 14,498 15,786 25,259 27,503 67 15,787 17,162 27,504 29,901 66 17,163 18,641 29,902 32,478 65 18,642 20,221 32,479 35,230 64 20,222 21,912 35,231 38,176 63 21,913 23,723 38,177 41,332 62 23,724 25,663 41,333 44,712 61 25,664 27,744 44,713 48,337 60 27,745 29,968 48,338 52,212 59 29,969 32,351 52,213 56,364 58 32,352 34,906 56,365 60,815 57 34,907 37,645 60,816 65,587 56 37,646 40,582 65,588 70,705 55 40,583 43,838 70,706 76,377 54 43,739 47,122 76,378 82,099 53 47,123 50,757 82,100 88,432 52 50,758 54,665 88,433 95,241 51 54,666 58,870 95,242 102,567 Current Expected Loss Ranges Proposed Expected Loss Ranges Table of Insurance Charges - Group Assignment EXHIBIT G Page 2 of 2 Group min max min max Current Expected Loss Ranges Proposed Expected Loss Ranges Table of Insurance Charges - Group Assignment 50 58,871 63,397 102,568 110,454 49 63,398 68,273 110,455 118,950 48 68,274 73,529 118,951 128,107 47 73,530 79,204 128,108 137,994 46 79,205 85,333 137,995 148,673 45 85,334 91,964 148,674 160,225 44 91,965 99,140 160,226 172,728 43 99,141 106,920 172,729 186,283 42 106,921 115,366 186,284 200,998 41 115,367 124,543 200,999 216,987 40 124,544 134,532 216,988 234,390 39 134,533 145,422 234,391 253,363 38 145,423 157,745 253,364 274,833 37 157,746 180,942 274,834 315,248 36 180,943 207,890 315,249 362,199 35 207,891 239,269 362,200 416,869 34 239,270 275,923 416,870 480,730 33 275,924 318,872 480,731 555,559 32 318,873 369,360 555,560 643,522 31 369,361 428,936 643,523 747,319 30 428,937 499,501 747,320 870,262 29 499,502 583,445 870,263 1,016,514 28 583,446 683,762 1,016,515 1,191,293 27 683,763 804,228 1,191,294 1,401,176 26 804,229 949,684 1,401,177 1,777,975 25 949,685 1,126,325 1,777,976 2,195,447 24 1,126,326 1,342,219 2,195,448 2,718,157 23 1,342,220 1,607,909 2,718,158 3,364,681 22 1,607,910 1,937,383 3,364,682 4,158,140 21 1,937,384 2,349,378 4,158,141 5,263,028 20 2,359,379 2,869,319 5,263,029 6,681,380 19 2,869,320 3,532,211 6,681,381 8,549,518 18 3,532,212 4,387,037 8,549,519 11,799,164 17 4,387,038 5,503,431 11,799,165 16,685,150 16 5,503,432 6,982,472 16,685,151 23,532,904 15 6,982,473 8,973,925 23,532,905 33,092,983 14 8,973,926 11,705,458 33,092,984 46,378,991 13 11,705,459 15,532,876 46,378,992 68,522,522 12 15,532,877 21,030,515 68,522,523 101,849,397 11 21,030,516 29,161,798 101,849,398 150,493,680 10 29,161,799 41,615,842 150,493,681 220,133,692 9 41,615,843 61,519,240 220,133,693 333,551,316 8 61,519,241 95,050,528 333,551,317 528,238,555 7 95,050,529 155,473,324 528,238,556 885,636,101 6 155,473,325 274,450,877 885,636,102 and over 5 274,450,878 and over TEXAS RETROSPECTIVE RATING PLAN MANUAL Page 1 PART FOUR - E Effective 2nd Reprint to Part Four--Table F Code Hazard Code Hazard Code Hazard Code Hazard Code Hazard Code Hazard No. Group No. Group No. Group No. Group No. Group No. Group 0005 II 2172 II 3040 III 3639 II 4239 III 4692 II 0008 II 2211 III 3041 II 3642 II 4243 II 4693 II 0011 II 2220 II 3042 II 3643 II 4244 II 4703 II 0016 II 2260 III 3064 II 3647 II 4250 II 4712 II 0034 II 2286 II 3066 II 3648 II 4273 II 4716 II 0035 II 2288 II 3081 III 3681 II 4279 II 4717 I 0037 II 2361 II 3082 III 3685 II 4282 II 4720 II 0042 II 2380 II 3085 III 3719 III 4283 II 4740 III 0079 III 2501 II 3110 II 3724 III 4299 II 4743 III 0083 II 2503 II 3111 II 3726 IV 4304 II 4751 III 0106 III 2532 II 3113 II 3805 II 4307 I 4766 IV 0113 II 2534 II 3114 II 3807 II 4351 II 4777 III 0401 III 2560 I 3126 II 3808 II 4360 II 4800 III 0913 II 2576 II 3131 II 3821 III 4361 II 4801 III 1165 III 2578 II 3132 III 3822 II 4362 III 4802 III 1321 III 2581 II 3146 II 3823 II 4410 II 4803 III 1438 III 2583 II 3179 II 3824 II 4417 II 4804 III 1463 III 2587 II 3220 II 3830 III 4420 III 4805 III 1472 III 2670 I 3223 I 3865 I 4431 I 4806 III 1701 III 2683 II 3224 I 3881 II 4432 I 4807 III 1747 III 2688 II 3227 II 4000 III 4439 III 4808 III 1803 IV 2702 III 3255 I 4021 II 4452 II 4809 III 1924 II 2705 III 3257 II 4024 III 4459 II 4810 III 2003 III 2710 III 3300 I 4034 III 4470 III 4811 III 2014 III 2719 III 3316 II 4036 III 4484 II 4812 III 2040 II 2731 II 3331 II 4038 I 4511 II 4813 III 2041 II 2790 II 3365 III 4045 III 4519 II 4814 III 2068 II 2802 II 3372 III 4062 II 4558 II 4815 III 2081 II 2835 I 3383 II 4101 III 4568 III 4816 III 2095 II 2881 II 3507 II 4112 II 4583 III 4817 III 2105 II 2923 II 3548 II 4114 II 4611 II 4818 III 2111 II 3004 III 3574 II 4130 II 4635 IV 4819 III 2114 II 3022 II 3620 III 4150 I 4653 II 4820 III 2121 II 3027 II 3629 II 4206 II 4665 III 4821 III 2157 II 3028 II 3632 II 4207 II 4670 III 4822 III TABLE OF CLASSIFICATIONS BY HAZARD GROUP This Table is to be used in the determination of the excess loss premium factor. This factor is determined based on the selected loss limitation, and the hazard group assignment shown below for the classification producing the largest amount of estimated Workers Compensation standard premium for each state included in the plan. Refer Page 2 TEXAS RETROSPECTIVE RATING PLAN MANUAL 2nd Reprint Effective PART FOUR - E Code Hazard Code Hazard Code Hazard Code Hazard Code Hazard Code Hazard No. Group No. Group No. Group No. Group No. Group No. Group 4823 III 6203 III 7350 IV 8047 II 8820 III 9186 III 4902 II 6204 III 7360 III 8058 II 8828 II 9220 II 4923 II 6205 III 7380 III 8102 II 8829 II 9402 III 5022 III 6206 IV 7382 III 8106 III 8831 II 9501 II 5040 IV 6213 III 7390 III 8107 III 8832 III 9522 II 5041 IV 6216 III 7405 III 8113 III 8833 II 9529 III 5057 IV 6219 III 7418 IV 8209 II 8837 II 9552 III 5070 III 6229 II 7421 III 8215 III 8838 II 9586 I 5102 III 6233 III 7422 IV 8227 III 8858 II 9600 II 5160 III 6237 III 7423 III 8231 III 8868 II 9620 III 5183 III 6238 III 7502 III 8234 III 8901 III 5190 III 6306 III 7515 IV 8264 II 9014 II 5191 III 6319 III 7520 III 8265 III 9015 III 5192 II 6400 II 7538 IV 8288 II 9016 II 5200 III 6504 II 7539 III 8292 II 9019 III 5203 IV 6823 III 7580 III 8293 II 9032 III 5213 III 6824 III 7590 II 8295 II 9033 II 5220 III 6843 IV 7600 III 8304 III 9040 II 5348 III 6872 IV 7602 III 8350 III 9052 II 5403 III 6874 III 7610 III 8385 III 9058 II 5437 III 7016 IV 7704 III 8387 III 9060 II 5443 II 7024 IV 7720 III 8391 III 9061 II 5462 III 7046 IV 7855 III 8601 III 9063 III 5474 III 7047 IV 8002 II 8606 III 9079 II 5479 III 7098 IV 8006 II 8607 III 9080 II 5491 III 7099 IV 8008 II 8709 IV 9089 II 5506 III 7133 III 8013 II 8726 III 9093 I 5536 III 7134 III 8017 II 8742 III 9101 II 5538 III 7135 III 8018 II 8748 III 9102 II 5551 III 7219 III 8032 II 8752 III 9154 III 5606 III 7230 III 8033 II 8754 II 9156 II 5701 III 7309 IV 8034 II 8755 III 9170 II 6003 III 7313 IV 8039 II 8803 III 9178 II 6045 III 7317 IV 8044 II 8809 II 9179 II 6202 III 7327 IV 8045 II 8810 II 9182 II TABLE OF CLASSIFICATIONS BY HAZARD GROUP EXHIBIT I Per Accident Limitation Hazard Group Hazard Group I II III IV I II III IV 25,000 $ 24.0% 25.3% 31.7% 36.4% 25.3% 28.0% 36.9% 39.6% 30,000 $ 20.6% 21.7% 27.2% 31.2% 23.0% 25.7% 34.5% 37.2% 40,000 $ 15.4% 16.3% 20.3% 23.3% 18.4% 21.3% 29.9% 32.4% 50,000 $ 11.9% 12.6% 15.6% 17.9% 13.8% 16.8% 25.2% 27.6% 75,000 $ 7.4% 7.8% 9.7% 11.0% 10.5% 13.3% 20.8% 22.7% 100,000 $ 5.3% 5.6% 6.9% 7.9% 7.2% 9.8% 16.3% 17.8% 150,000 $ 3.6% 3.8% 4.7% 5.3% 5.5% 7.7% 12.4% 13.4% 200,000 $ 2.8% 2.9% 3.6% 4.0% 4.7% 6.5% 10.4% 11.3% 250,000 $ 2.4% 2.5% 3.0% 3.4% 4.2% 5.7% 9.2% 9.9% 500,000 $ 1.2% 1.2% 1.5% 1.7% 2.7% 3.4% 5.4% 5.9% 750,000 $ 0.5% 0.6% 0.8% 0.8% 1.2% 1.8% 2.9% 2.9% 1,000,000 $ 0.5% 0.5% 0.5% 0.6% 1.2% 1.5% 1.8% 2.1% Excess Loss Premium Factor Current Factors Proposed Factors