Filing No. 0604 December 1, 2006 Rate and Loss Cost Filing

On July 24, 2006 the Bureau submitted a residual market rate and voluntary market loss cost filing to the Delaware Insurance Department. That filing, designated as Bureau filing No. 0604, proposed revisions to residual market rates, voluntary market loss costs, related rating values and Manual rules effective December 1, 2006.

A complete listing of the proposals and supporting information comprising the Bureau’s December 1, 2006 loss cost filing appears below. Clicking on each listed item will allow you to review and/or download the filing materials as needed.

Copies of the filing material may be printed once the item(s) in question have been accessed. (Note: In total the filing is quite voluminous. Before printing be sure that you understand the magnitude of the file(s) you will be printing and how your system and equipment will respond to and/or be affected by a print command.)

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File	Description
Filing Letter
Record of meeting - Actuarial and Classification & Rating Committees, July 19, 2006
Summary of Material for Modification of Experience ("Brown Book")
Trends In Experience - Questionnaire for Leading Carrier Groups
Exhibit 1 - Limited Losses	Table I - Summary of Financial Call Data
Exhibit 1a	Excess Loss Factor and Policy Year Loss Limitations
Exhibit 1b	Reported Losses in Excess of Loss Limitations
Exhibit 2 - Limited Losses	Paid and Incurred Loss Development and Trend
Exhibit 2a - Limited Losses	Graphs of Selected Loss Development Projections
Exhibit 2b - Limited Losses	Comparisons of 2005 and 2006 Filing Estimates of Ultimate Loss
Exhibit 3 - Limited Losses	Measures of Goodness of Fit in Trend Calculations Using Severity Ratios
Exhibit 5	Graphs of Ultimate and Trended Experience Components
Exhibit 6 - Limited Losses	Retrospective Test of Trend Projections for Severity Ratios
Exhibit 7	Closure Rates, Payout Ratios and Average Claim Costs
Exhibit 8	Expense Study
Exhibit 9	Internal Rate of Return Model
Exhibit 10	Effect of 7/1/07 Benefit Change
Exhibit 11	Expense Loading
Exhibit 12	Indicated Change in Residual Market Rate and Voluntary Market Loss Costs
Exhibit 13	Experience Rating Plan Performance
Exhibit 14	DCCPAP
Exhibit 15	Rate and Loss Cost Formulae
Exhibit 16	Small Deductible Program
Exhibit 17a	Excess Loss (Pure Premium) Factors
Exhibit 17b	Excess Loss (Pure Premium) Factors with Adjustment for ALAE
Exhibit 17c	Excess Loss Premium Factors
Exhibit 17d	Excess Loss Premium Factors with Adjustment for ALAE
Exhibit 18	State & Hazard Group Relativities
Exhibit 19	Delaware Insurance Plan
Exhibit 20	Review of Experience Rating Plan Parameters
Exhibit 21	Table B
Exhibit 22a	Table II - Unit Statistical Data
Exhibit 22b	Table III - Unit Statistical Data
Exhibit 22c	Table IV - Unit Statistical Data
Exhibit 23	Claim Frequencies
Exhibit 24	Retrospective Development Factors
Exhibit 25	Tax Multiplier
Exhibit 26	Summary of Indicated and Proposed Residual Market Rates
Exhibit 27	Manual Rates, Loss Costs and Expected Loss Rates
Exhibit 28	Index and Supporting Classification Exhibits
Exhibit 29	Delaware Workplace Safety Program & Merit Rating Program
Exhibit 30	Distribution of Residual Market Rate Changes
Exhibit 31a	Summary of Indicated and Proposed Residual Market Rates by Class Code
Exhibit 31b	Summary of Indicated and Proposed Residual Market Rates by Percentage Change
Exhibit 32	NCCI Filing Memorandum R-1395
Exhibit 1 - Unlimited Losses	Table I - Summary of Financial Call Data
Exhibit 2 - Unlimited Losses	Paid and Incurred Loss Development and Trend
Exhibit 2a - Unlimited Losses	Graphs of Selected Loss Development Projections
Exhibit 2b - Unlimited Losses	Comparison of 2005 and 2006 Filing Estimates of Ultimate Loss
Exhibit 3 - Unlimited Losses	Measures of Goodness of Fit in Trend Calculations Using Severity Ratios
Exhibit 6 - Unlimited Losses	Retrospective Test of Trend Projections for Severity Ratios
DCRB Staff Memorandum of June 12, 2006: Corporate Officer Weekly Minimum and Maximum Payrolls
Proposed Manual Language Pertaining to Calendar Quarters Used to Determine Qualifying Wages for Delaware Construction Classification Premium Adjustment Program
Completed Copies of the Following Property & Casualty Filing Forms: -Filing Fee Form - State Specific Requirements - Property & Casualty Transmittal Document - Property & Casualty Additional Rate Attachment

File	Description
Filing Letter
Summary of Material for Modification of Experience ("Brown Book")
Exhibit 12	Indicated Change in Residual Market Rate and Voluntary Market Loss Costs
Exhibit 20	Review of Experience Rating Plan Parameters
Exhibit 26	Summary of Indicated and Proposed Residual Market Rates
Exhibit 27	Manual Rates, Loss Costs and Expected Loss Rates
Exhibit 28	Index and Supporting Classification Exhibits
Exhibit 30	Distribution of Residual Market Rate Changes
Exhibit 31a	Summary of Indicated and Proposed Residual Market Rates by Class Code
Exhibit 31b	Summary of Indicated and Proposed Residual Market Rates by Percentage Change

File	Description
Index and Supporting Classification Exhibits	Review and/or download Index and supporting Classification Exhibits. File can be printed once accessed.
Class Book EXCEL File	Review and/or download the Class Book data in Excel format. The file also contains worksheets showing a record layout of the file, and for viewing or printing individual Class Book pages.
Class Book PDF File	The file can be used to print all selected pages of the Class Book
Medical-Only Claim Count Supplement to Class Book	Review and/or download Medical-Only Claim Count Supplement to the Class Book in Excel format.

File	Description
Index and Supporting Classification Exhibits	Review and/or download Index and supporting Classification Exhibits. File can be printed once accessed.
Class Book EXCEL File	Review and/or download the Class Book data in Excel format. The file also contains worksheets showing a record layout of the file, and for viewing or printing individual Class Book pages.
Class book PDF File	The file can be used to print all selected pages of the Class Book.