1. Property & Casualty 2008 Compliance Conference

2. What’s Wrong with my Filing? A Guide to the Correct Way to Submit a P&C Rate and Form Filing

5. Texas State Specific Fields

6. FORM SCHEDULE

7. Rate/Rule Schedule

8. Texas General Instructions (SERFF) Additional Information Links The Property and Casualty Filings Made Easy Guide is an aid to making property and casualty filings in Texas. The entire guide may be obtained by viewing the on- line version, downloading the MS Word file, or completing the interactive PDF forms. NOTE: Please read the “Filling Out Forms” instructions carefully before completing the interactive PDF forms. FILINGS MADE EASY GUIDE http://www.tdi.state.tx.us/pubs/pc/rspceasy.html TEXAS ADMINISTRATIVE CODE http://info.sos.state.tx.us/pls/pub/readtac$ext.ViewTAC?tac_view=4&ti=28&pt=1 TEXAS INSURANCE CODE http://www.tdi.state.tx.us/commish/code.html P&C FILING REVIEW REQUIREMENT CHECKLISTS http://www.tdi.state.tx.us/commercial/pcckindx.htmlhttp://www.tdi.state.tx.us/pubs/pc/rspceasy.html http://info.sos.state.tx.us/pls/pub/readtac$ext.ViewTAC?tac_view=4&ti=28&pt=1 http://www.tdi.state.tx.us/commish/code.html http://www.tdi.state.tx.us/commercial/pcckindx.html

9. Click to edit Master text styles –Second level Third level –Fourth level »Fifth level

10. FORM/ENDORSEMENT INFO MUST CORRESPOND WITH FORM SCHEDULE The names shown on the policy form and/or endorsement PDF attachments must correspond with the information shown in the SERFF Form Schedule. The policy form and/or endorsement numbers shown on the policy form and endorsement PDF attachments must correspond with the information shown in the SERFF Form Schedule. Don’t forget to attach the forms/endorsements to the filing.

11. INCORRECT SERFF FORM FILING SUBMISSION EXAMPLE SERFF Form ScheduleForm/Endorsement PDF’s Aircraft Excluded, 2354 (10/10 ed.) EIFS Exclusion, 7538 (8/10 ed.) Blanket Additional Insured, 931 (3/10 ed.) Liquor Coverage, 1205 (2/10 ed.) Aircraft Liability Exclusion, 2354 (10/10 ed.) Not attached Blanket Additional Insured, 9231 (9/10 ed.) Liquor Liability Coverage Form, 1205 (3/10 ed.)

12. CORRECT SERFF ENDORSEMENT FILING SUBMISSION EXAMPLE Form/Endorsement PDF’s SERFF Form Schedule Aircraft Liability Exclusion, 2354 (10/10 ed.) EIFS Exclusion, 7538 (8/10 ed.) Blanket Additional Insured, 9231 (9/10 ed.) Liquor Liability Coverage Form, 1205 (3/10 ed.) Aircraft Liability Exclusion, 2354 (10/10 ed.) EIFS Exclusion, 7538 (8/10 ed.) Blanket Additional Insured, 9231 (9/10 ed.) Liquor Liability Coverage Form, 1205 (3/10 ed.)

13. Exception/manual page numbers must correspond with the SERFF Rate/Rule Schedule. The number of exception/manual pages shown on the SERFF Rate/Rule Schedule must correspond with the number of pages submitted in the filing. MANUAL PAGES MUST CORRESPOND WITH RATE/RULE SCHEDULE

14. INCORRECT MANUAL RULE/RATE SERFF SUBMISSION EXAMPLE Rule/Rate Page PDF’s Exception Page CW-TX- 301 (05/10 ed.) Exception Page TX- LCM-250 (05/10 ed.) Manual Pages TX- GL- 1 (05/10 ed.) to TX-GL-10 (05/10 ed.) Rule/Rate Schedule Exception Page TX-CW- 301 (05/10 ed.) Exception Page TX- LCM-2500 (05/10 ed.) Manual Pages TX- GL- 1 (05/10 ed.) to TX-GL-12 (05/10 ed.)

15. CORRECT MANUAL RULE/RATE SERFF SUBMISSION EXAMPLE Rule/Rate PDF’s Exception Page CW-TX- 301 (05/10 ed.) Exception Page TX- LCM-2500 (05/10 ed.) Manual Pages TX- GL- 1 (05/10 ed.) to TX-GL-10 (05/10 ed.) Rate/Rule Schedule Exception Page CW-TX- 301 (05/10 ed.) Exception Page TX- LCM-2500 (05/10 ed.) Manual Pages TX- GL- 1 (05/10 ed.) to TX-GL-10 (05/10 ed.)

16. COMBINATION (FORMS/RULES/RATES SUBMITTED IN ONE FILING) FILINGS Please use “Policy Form” or “Endorsement” as the main filing type, when submitting forms/endorsements, manual rules, and/or rates in one filing. List all filing types being filed in Item #1 {Description of filing…} of the State-Specific Fields tab. This applies to reference and non-reference filings. Using forms/endorsements as the main filing type alerts TDI that the filing includes this information for the deemer provision. Using manual rule or rate as main filing type when also submitting forms/endorsements in one filing is incorrect.

17. MULTI-PERIL AND DUAL FILINGS A Dual filing is a monoline filing for a line of insurance that may also be used with the insurer's multi-peril policy without having to submit a separate multi-peril filing. Item #6 {Dual Filing} is completed [when applicable] when the filing is submitted with a monoline insurance line. TDI requires “Yes” or “No” wording and previously approved/accepted Multi-Peril TDI#, Link#(State Tracking#). Do not put a monoline TDI#/Link#(State Tracking#), the SERFF Tracking#, or your company tracking#. Do not include information in Item #6 {Dual Filing} when the filing is already being submitted as a Multi-Peril (Commercial or Personal) filing.

18. MULTI-PERIL VERSUS DUAL FILING COMPARISON Multi-Peril Filing TOI: CMP Liability… SubTOI: Commercial Package Item #6: n/a TOI: Dwelling Fire/ Personal Liability SubTOI: Dwelling Fire/ Personal Liability Item #6: n/a Dual Filing TOI: Property SubTOI: Commercial Property Item #6: Yes, 105243 TOI: Personal Auto SubTOI: Private Passenger Automobile Item #6: No

19. MULTI-PERIL AND INTERLINE FILINGS Only certain types of filings can be submitted as Interline – refer to the Filings Made Easy Guide. Multi-Peril and Interline are not the same type of filing, i.e., “multi-line”. Interline is considered a separate type of filing in Texas. Item #5 {Interline Filing} is completed only when the filing is submitted as an Interline filing. Do not include information in Item #5 {Interline Filing} when the filing is already being submitted as a Multi-Peril (Commercial or Personal) filing.

20. MULTI-PERIL VERSUS INTERLINE FILING COMPARISON Multi-Peril Filings TOI: CMP Liability… SubTOI: Businessowners Item #5: n/a TOI: Homeowner/Auto Combinations SubTOI: Homeowner/ Auto Combinations Item #5: n/a Interline Filings TOI: Interline Filings SubTOI: Commercial Interline Filings Item #5 (Crime, General Liability, Inland Marine) TOI: Interline Filings SubTOI: Personal Interline Filings Item #5 (Personal Auto, Homeowners, Dwelling)

21. REFERENCE FILING SUBMISSIONS Reference Filing – the adoption of either an Advisory Organization’s or another insurance company’s rates, forms/endorsements, and/or manual rules without any modifications to or including copies of this information. Refer to Advisory Organization Approved/Accepted Reference Filings list at http:www.tdi.state.tx.us/commercial/pccpadvs1.html (1999 to present). Example: TDI #9212509663 Refer to Property/Casualty Reference Filings list at http://www.tdi.state.tx.us/commercial/rspcref1.html (1992 to 1999). Example: TDI-98-100-ISO-BOP-PF Reference Filings – show all required information on Item #4 of the State-Specific Fields Tab.

22. PLEASE SIMPLIFY YOUR REFERENCE FILING SUBMISSIONS TDI only requires the Advisory Organization Name and/or Insurance Company Name, Filing Types, and TDI File number and/or TDI Link #(State Tracking#). TDI does not require a copy of the Advisory Organization Circular, the Circular #, or Advisory Organization number. TDI does not require *copies of the forms and/or endorsements or its information (name, form#, etc.) TDI does not require *copies of the manual pages or its manual rule page and/or rate information. *Exception: submit the above information only if modifications and/or revisions are being made to them.

23. COMPARISON OF A REFERENCE FILING SUBMISSION Original Reference Filing ISO, Form/Endorsement CA 20 06 12 93, Driving Schools, CA-2000-OEND1, 9212406682 CA 20 54 10 01 Employee Hired Autos, CA 2001- OFR00, 9212420118 CA 20 88 06 04, Texas Amphibious Vehicles, CA- 2003-OSIM1, 9212442693 Simplified Reference Filing ISO, Form/Endorsement, TDI #’s 9212406682, 9212420118, 9212442693

24. MANUAL RULE AND RATE REFERENCE FILINGS Though “rule” is shown in an Advisory Organization’s circular, it may be considered a “rate” filing in Texas. Any kind of rating plan (composite, retrospective, etc.) is considered a rate filing in Texas. For rate filings, please refer to the following websites: http:www.tdi.state.tx.us/commercial/pccpadvs1.html (1999 to present: “P/C Actuarial” links by coverage part) or http://www.tdi.state.tx.us/commercial/rspcref1.html (1992-1999: RT, RP, or RM filing types).

25. MANUAL RULE VERSUS RATE REFERENCE FILINGS “RULE” FILINGS ISO: 9212483861, Texas Rule 97. Uninsured Motorist Insurance & Rule 100 Increased Liability Limits Revised. SAA: 9212459729, SAA Rules Filing for Fidelity and Forgery. IN TEXAS… ISO, Rate, TDI #9212483861 SAA, Rate, TDI #9212459729