A newsletter forWayne Insurance Groupagencies and producers

Adjustments made to Personal Auto program

We have implemented several changes to our Personal Auto program that are designed to improve our competitive position and profitability throughout Ohio. The changes were effective October 1 for both new and renewal business. Following are highlights of the key changes being made:

Key Personal Auto changes:

Moved Wood County from Territory 40 to Territory 39

Modified form WM 03 17 (Auto Policy Amendatory Endorsement) to add language excluding the use of transportation network platforms

Modified form WM 03 13 (Uninsured Motorists Property Damage Endorsement) to add language excluding the use of transportation network platforms

Added ISO’s symbol relativities for OTC and Collision coverages for model years 2018 and 2019.

Removed the multi-car eligibility guideline that prohibited children over 25 residing in the named insureds household from getting the multi-car discount

Removed the multi-policy eligibility guideline that prohibited children over 25 residing in the named insureds household from getting the multi-policy discount

Revised base rates for all territories – in general other-than-collision, property damage liability, rental reimbursement will see increases, while Uninsured/Underinsured Motorists will see a decrease.

The addition of the language excluding transportation networks is designed to reinforce that our policy does not provide coverage for livery type exposures, such as Uber or Lyft. A disclosure notice will be sent with all renewals for one year to notify policyholders of this change.

The rate adjustments are designed to address coverages that have been underperforming as well as areas of that state that have been performing well. These changes are expected to result in a very modest premium increase overall. The Loyalty Discount description is being revised to clarify that to be eligible for the discount the policy must be continuously in force for at least one year. We also removed the multi-car and multi-policy eligibility guidelines that prohibited children over 25 residing in the named insureds household from qualifying for these discounts. Finally, the Underwriting Guideline section was revised to clarify that a married couple can be written if at least one individual is 21 or older without supporting business.

See “Personal Auto adjustments”…page 2

Wayne fall mini-meetings scheduled

Wayne Insurance Group will be hosting our annual mini-meetings in a few weeks. The dates and locations will be:

Fairborn - Tuesday, October 18 Lunch at 11:30 (12:30-4:00 meeting) Hope Hotel & Richard C. Holbrooke Conference Center 10823 Chidlaw Road Building #823, Area A Wright Patterson Air Force Base, OH Ada - Wednesday, October 19 9:00-12:30 meeting (lunch after) The Inn at Ohio Northern University 401 West College Avenue Ada, OH Millersburg – Tuesday, October 25 9:00-12:30 meeting (lunch after) The Inn at Honey Run 6920 County Road 203. Millersburg, OH Canton – Wednesday, October 26 9:00-12:30 meeting (lunch after) Courtyard by Marriott 4375 Metro Circle NW Canton, OH Wooster – Thursday, October 27 9:00-12:30 meeting (lunch after) Hilton Garden Inn 959 Dover Road Wooster, OH

Our online registration is now closed. If you would like to attend one of our meetings, please contact your marketing rep.

Wayne Insurance Group October 2016 2

Personal Auto adjustments (Continued from page 1)

Here is a detailed listing of the program changes:

Manual Modifications:

a. Revised the Preferred Program Base Rates (RT-PWA-1)

b. Added Other Than Collision Symbol Relativities for Model year 2018 and 2019 (RTA-PWA -3 – RTA-PWA-4)

c. Added Collision Symbol Relativities for Model year 2018 and 2019 (RTA-PWA-5 – RTA-PWA-6)

d. Revised Gross Vehicle Weight limit for trucks that is acceptable in this program (R-3)

e. Clarified the Loyalty Discount guidelines (R-16)

f. Clarified the Multi-Policy Discount rules (R-17 and R-18)

g. Revised the guidelines for Multi-Car Risk Discount (R-17)

h. Revised the Insurance Score section (R-17 and R-18)

i. Revised the Underwriting Guideline section to clarify that a married couple can be written if one individual is 21 or older without supporting business (G-PWA-1)

j. Revised the Private Passenger Auto Policy Endorsement Index to include updated edition dates for the Uninsured Motorist Property Damage Endorsement and the Auto Policy Amendatory Endorsement (E-1)

k. Corrected The UM PD base rate in the PWA Rate pages from $11 to $10.(RT-PWA-1)

Rate Modifications:

1. Rating Factor Modifications:

a. Introduced symbol relativities for the 2018 and 2019 model years.

b. Revised the Preferred Program Base Rates

2. Territory Modifications: a. Moved Wood County from Territory 40 to Territory 39.

The Personal Auto AgentNET Point-of-Sale (APOS) program, along with the EZLynx and SEMCAT quote tools, have been updated with these changes. Any quotes entered with an effective date of 10/1/2016 or later should reflect the new rates. Please note: the APOS reports (MVR, CLUE, ADD) are not used to automatically determine eligibility, but will provide the information you need to underwrite the risk.

The updated manual pages, forms WM 03 17 and WM 03 13 and a copy of the disclosure notice have been posted on the Wayne Insurance Group AgentNET website.

Move to MSB Comm’l Express completed in Sept.

MSB/CoreLogic has upgraded us from the BVS Farm/Commercial replacement cost estimating program to their new Commercial Express estimating program.

The “Our Systems” page on our AgentNET site now displays a link that says “MSB (Commercial Express).” Your username and password did not change. Access to the MSB Commercial Express Program still requires your old Wayne Mutual AgentNET site login credentials, just as the BVS Program did.

Any estimates created in the last 90 days remain available. However, the following estimates did not transfer: Expired estimates – any estimate that is

90 days old or more Historical estimates – if more than one

estimate has been entered for a location, only the most recent estimate was transferred.

Several Wayne employees volunteered to help serve barbecued chicken at the Wayne County Fair a few weeks ago.