Section 1 Products & Pricing		Section 2 Treatment of agents				Section 3 Marketing		Section 4 Claims		Section 5 Technology			Section 6 Service & Processing			Section 7 Underwriting
Company / no. of agents rating	Q1	Q2	Q3	Q4	Q5	Q6	Q7	Q8	Q9	Q10	Q11	Q12	Q13	Q14	Q15	Q16	Q17	Q18	Q19	Q20	Score
ACE/Atlantic Mutual personal ( 29 )	8	9.6	9.2	9	8.4	9.1	7.4	8.8	9.3	9.3	8.2	8.9	7	9.2	9.1	9.4	9.4	8.8	9.3	8.7	176.1
AIG commercial ( 12 )	6.7	6.3	6.2	5.5	5.7	6.5	3.5	4.9	5.8	6	6.6	5.4	5.6	5.4	6.9	5.5	7.2	4.8	5.3	6.1	115.9
AIG Private Client ( 25 )	7.1	8.8	7.3	7.6	6.8	7.4	4.3	6.9	8.5	8.2	6.9	7.1	6.2	7.5	8	7.3	8.2	5.6	7.8	7	144.5
American Commerce ( 18 )	7.8	8.1	7.8	8.1	6.8	8.6	4.8	8.1	7.3	7.3	8.6	7	2.3	6.9	8.3	7.8	7.3	7.8	7.8	6.9	145.4
Andover Cos. ( 39 )	7.3	8	8.3	8.3	8.3	8.8	6	8.1	8.3	8.4	7.2	7.9	5.1	8.5	8.4	8.5	9.1	9.3	9.1	8.3	161.2
ARI ( 30 )	7.2	8.6	9.4	9.1	8.8	9.4	7.1	8.9	8.9	9.3	7.5	7	7.2	9.5	9.4	9.4	9.4	9.2	9.4	9.2	173.9
Camden Fire ( 6 )	5.8	7.4	6.4	6.8	6.5	7.5	6.4	7.2	7	6	7	7.5	7.5	6.8	7	5.5	9	7.7	8	8	141
Chubb commercial ( 16 )	4.1	7.9	6.2	5.9	6	5.9	7.3	6.5	7.8	7.6	5.5	5.1	4.4	6.7	6.6	6.8	8.2	8.4	7.5	7.8	132.2
Chubb personal ( 52 )	5	9.7	8.6	7.7	7.2	8.3	9.4	8	9.5	9.2	7.8	8.3	7.8	8.6	9	9.2	8.8	9	8.5	7.5	167.1
CNA/Continental ( 27 )	6.1	7.4	6.2	6.4	6.8	6.3	6.3	6.1	6.4	6.6	7.3	6.2	5.9	6.5	8	6.3	7.3	6.7	6.5	5.3	130.6
Cumberland Group ( 62 )	7.7	7.9	8.8	8.4	8.8	9	6.6	8	8.3	8.3	8.2	8.2	6.7	8.3	8.3	8.7	8.7	8.7	9	8.3	164.9
Encompass ( 56 )	5.1	7.9	5.9	5.4	6.6	6.4	5.3	6.3	7.7	8	6.6	7.8	7.4	6.5	7.1	6.6	7.2	5.5	6.2	5	130.5
Farmers of Flemington ( 31 )	5.7	6.4	7.7	7.2	7.1	7.9	4.5	6.9	7.6	7.9	6.3	4	4.1	7.8	7.7	7.8	7.7	7.6	7.3	7.1	136.3
Farmers of Salem ( 46 )	6	6.8	7.5	7.3	7.5	7.5	5.5	7.4	7.9	8.1	6.1	4.9	4.4	7.3	7.8	8	8.2	7.6	7.8	7.3	140.9
Fireman’s Fund ( 15 )	6.6	8.9	8.2	7.7	7.4	8.4	8.6	8.1	9.1	9.3	7.9	8.2	7	8.2	7.8	8.9	9.2	8.8	8.4	8.4	165.1
FMI Group ( 82 )	6.9	7.8	8.2	7.9	7.6	8.1	6.4	7.9	8.1	8.4	7	7.1	5	8.2	8.5	8.6	8.8	8.8	9	7.4	155.7
Foremost/Farmers ( 71 )	6.3	7.2	7.6	7.3	6.9	7.5	6.7	7.4	7.7	7.8	7.7	6.7	5.7	8.1	8.2	8.4	8.4	8.5	8.5	6.7	149.3
Great American ( 17 )	7.3	7.9	7.9	8.4	8.3	8.5	7.7	7.9	7.1	7.2	6.9	6.4	6.7	7.9	8.5	8.4	8.9	8.7	8.5	8.8	157.9
Greater New York ( 10 )	7.4	7	6.8	6.7	6.3	7.5	6.6	7.2	7.3	7.7	5.4	5	4.8	6.1	6.4	6.7	7.5	7.9	7.6	7.1	135
GUARD ( 14 )	7.6	7.4	7.5	7.1	7	7.8	6.9	7.5	7.7	7.8	8.2	6.4	7.4	7.3	8.1	8.1	8	8.1	8.1	7.3	151.3
Harleysville ( 44 )	7.6	7.8	7.3	7	7.6	8.2	6.6	7.4	8	7.9	6	6.7	5.5	6.9	7.1	7.5	8.3	8.1	7.8	8	147.3
IFA ( 37 )	7.4	7.5	8.6	8.4	7.5	8.7	5.8	7.7	8.2	8.3	8.5	7.7	7.1	8.5	8.5	8.5	9.3	8.5	8.8	8.7	162.2
Magna Carta ( 27 )	5.6	5.7	5.7	5	6.3	6.4	3.6	5.8	5.6	6.8	4.7	3.6	3.9	5.5	5.9	5.7	6.6	6.1	6.5	5.3	110.3
Mercer Group commercial ( 25 )	6.8	6.6	7.5	6.8	6.7	8.1	4.8	6.6	7.9	8.2	6.3	5.4	4.1	7.4	7.7	7.3	7.6	7.6	7.7	7	138.1
Mercer Group personal ( 15 )	5.5	6.7	7.4	6.2	6.3	8	4.5	6.6	8.2	8.4	6.3	5.8	3.3	8	8	7.2	7.6	7.8	7.9	6.9	136.6
Merchants Group ( 17 )	7.2	6.9	7.2	6.5	6.9	7.9	5.8	7.2	7.4	7.3	7.3	6.1	5.5	6.7	6.9	6.6	6.9	6.8	6.9	6.9	136.9
Mercury General ( 96 )	6.7	7	6.7	6.3	7.9	8	6.4	7.3	7.3	7.6	6.9	7.6	6.6	6.9	6.9	7	7.5	7.3	7	6.1	141
New Jersey Skylands ( 43 )	6.5	7.5	6.8	6.9	6.9	7.5	5.4	7.2	7.7	7.7	7.2	7.7	7.4	7.3	7.4	7.4	7.1	7.2	7.3	6.3	142.4
Norfolk & Dedham/Fitchburg ( 58 )	7.1	7.6	7.9	7.9	8	8.7	5.9	7.8	8	8.2	7.9	7.5	6.3	8.1	8.1	8.1	8.6	8.8	8.4	8	156.9
OneBeacon commercial ( 16 )	6.4	7.3	7	6.6	7.1	7.5	4.7	6.7	7.5	7.5	6.6	7.6	7	7.3	7.3	7.3	7.7	7	7.4	5.4	138.9
Palisades Group ( 119 )	7.6	8	8.5	8.1	7.6	8.5	7.1	7.9	8.9	8.7	8.4	8.3	6.7	8.6	8.6	9.1	8.9	8.9	8.9	7.9	165.2
Penn National commercial ( 20 )	7.7	7.6	9.2	8.3	8	9.1	5.9	7.7	8.8	8.4	8.6	7.2	6.8	8.9	8.6	8.9	8.8	8.9	8.9	8.4	164.7
Penn National personal ( 10 )	7	6.7	8	7.2	7	8.6	5.8	6.8	8.1	8.4	8.3	8.3	8.2	8.2	8.4	9.1	8.6	8.7	8.3	8	157.7
Philadelphia Contributionship ( 54 )	5.9	6.5	7.8	7.4	6.9	7.9	5.7	7.2	7.8	7.9	7.8	8.1	6.7	7.9	8.4	8.2	8.4	8.5	8.4	7.8	151.2
Philadelphia Ins. Cos. ( 24 )	7	7.9	7.5	7.5	7	7.3	6.2	6.6	7.4	8	6.5	5.8	6.6	7.5	7.9	7.4	7.8	7.5	7.8	7.1	144.3
Progressive ( 160 )	6.5	7.3	7.8	7.4	5.9	6.8	8.2	6.7	8.2	8.3	8.7	8.2	7.7	8	8.5	8.5	8.4	8.4	8.6	6.8	154.9
Quincy Mutual ( 29 )	7.6	8.1	7.9	8.1	8	7	6	7.1	7.8	8.3	7.3	7	4.5	8	8.5	7.9	8.7	6.9	8.5	7.5	150.7
Safeco personal (including Peerless & Ohio Casualty) ( 24 )	7	7.3	7.3	7	6.6	7	6.4	6.9	8.2	8.1	7.6	7.4	6.9	7.2	8.1	7.3	8.1	7.2	7.7	7.2	146.5
Selective commercial ( 46 )	7.8	8.4	8.3	8.2	7.6	9	7.6	7.9	7.8	7.9	8.4	8.2	8.4	8.2	8.5	8.6	8.4	8.4	8.1	8.1	163.8
Selective personal ( 43 )	6.5	7.7	8.2	7.9	7.2	8.9	7	7.6	8.2	8.2	8.4	9	8.8	8.3	8.5	8.8	8.6	8.7	8.4	7.8	162.7
Sirius America ( 8 )	6.9	6.9	7.1	7	7.8	9	4.9	7.2	7.2	7.2	7	3	3.8	7.5	7.7	7.5	8.2	6.6	6.8	7.7	137
The Hanover commercial ( 19 )	7.4	7.5	7.1	7.2	7.4	8.1	6.2	7	7.6	7.7	7.9	7.3	7	7.4	7.7	7.7	7.9	8.1	7.6	8	149.8
The Hanover personal ( 48 )	6.3	7.5	7.8	7.1	7.2	8.1	6.3	7	8.3	8.3	7.9	8.4	6.7	7.8	8.1	7.9	8.3	7.9	8.3	6.8	152
The Hartford ( 54 )	7.1	8.4	7.7	7.4	7.5	7.1	8.1	7.3	7.3	7.3	8.3	7.6	7.8	7.3	8	8	8.5	7.7	8.1	7.6	154.1
Tower Group commercial ( 50 )	7	6.3	6.1	6	6.5	6.9	5.2	6.1	7.1	7.5	6.7	5	5.3	5.6	6.6	5.9	6.8	6.3	6.6	6	125.5
Tower Group personal ( 39 )	5.7	6.4	5.9	5.7	5.9	6.9	4.9	6.2	7.5	7.6	6.9	5	4.6	6.2	6.6	6.1	7.2	7.2	7.1	5.4	125
Travelers commercial ( 62 )	6.6	8	7.3	7.1	7.3	7.3	7.9	7.2	7.5	7.6	8.2	7.5	6.7	7.5	8	7.8	8.6	8.6	8	7.6	152.3
Travelers NJ personal ( 138 )	7.2	8.1	7.7	7.3	7.5	7.3	8.2	7.2	8.4	8.4	7.9	8.3	7.5	8	8.2	8.3	8.7	8.2	8	7.2	157.6
Utica National ( 9 )	6.4	7.2	6.7	6.6	6.6	7.8	6	7.2	7.6	7	6.4	5.7	7.8	6.1	6.9	6.9	6.9	7.3	5.9	6.1	135.1
Zurich U.S. commercial ( 44 )	5.9	7.5	5.8	5.5	6.5	6.8	6.6	6.2	7	7.1	6.7	6.5	6.5	6.1	7	6.5	7	6.9	6.7	5.9	130.7
Question	Q1	Q2	Q3	Q4	Q5	Q6	Q7	Q8	Q9	Q10	Q11	Q12	Q13	Q14	Q15	Q16	Q17	Q18	Q19	Q20	Score
Avg Per Question	6.7	7.5	7.5	7.2	7.2	7.8	6.2	7.2	7.8	7.9	7.3	6.9	6.2	7.5	7.8	7.7	8.1	7.8	7.8	7.2	147.3
Avg Per Section	7.1		7.4				6.7		7.8		6.8			7.7			7.7
Sections	Section 1		Section 2				Section 3		Section 4		Section 5			Section 6			Section 7