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 ( 17 )	6.4	8	6.8	6.8	6.3	7.2	5.7	7.1	7.9	7.9	6.3	6.2	6.3	7	7.3	8.2	8	7.9	8.1	7.1	142.5
Adirondack ( 61 )	6.9	8.1	7.7	7.5	7.4	8.2	5.2	7.2	8.1	7.8	7.3	8	7.5	7.7	7.7	8.2	8.2	7.5	7.7	7.4	151.3
AIG commercial ( 24 )	6.4	6.8	6.1	6	6.2	6.2	5.3	6	6.6	6.4	5.5	5.6	5.6	5.8	6.6	5.6	7.1	4.8	6.2	6.1	120.9
AIG Private Client ( 33 )	5.5	7.4	5.9	5.8	6.1	6.4	4.6	6.4	7.6	8	6.7	6.9	7.5	6.5	7.5	6.8	7.3	5.6	7	5.1	130.6
Allstate (not Encompass) ( 32 )	7	7.7	5.5	5.4	7	6.1	8.1	7	7.5	7.7	6.3	8.4	7.2	5.7	7.7	5.9	6.9	7.8	7.8	4.8	137.5
Andover Cos. ( 30 )	7.5	7.6	8.3	7.5	8.2	8.2	5.6	7.3	7.8	7.7	6.3	6.7	4.6	7.6	7.5	7.8	8.5	8.2	8.4	7.6	148.9
Associated Mutual ( 16 )	7.3	6.3	8.9	7.9	8.1	8.3	6.1	7.2	6.8	7.7	6.2	4.2	5.4	8	8.5	8.9	8.5	8.8	8.6	7.6	149.3
Chubb commercial ( 31 )	6.1	9	7.9	6.7	7	8.5	8.7	8.2	9.2	8.8	6.8	4.9	5.3	7.3	7.6	7.6	8.6	8.5	8.1	6.6	151.4
Chubb personal ( 49 )	5.5	9.4	8	7.4	7.4	8.5	8.4	8.3	9.4	9.2	7.4	7.6	6.7	8.1	8.3	8.6	8.7	8.6	8.4	7.3	161.2
CNA/Continental ( 39 )	7	7.9	7.4	7.4	7.4	7.7	6.5	6.9	7.3	7.4	7.6	7.2	7.3	7.4	8	7.8	8	7.5	7.6	6.8	148.1
Commercial Mutual ( 33 )	7.5	7.1	8.3	8.1	7.9	8.5	6.3	8.1	8.4	8.2	6.8	6.3	6.4	8.1	8	8.2	8.6	8.4	8.4	8.3	155.9
Country-wide ( 22 )	6.8	4.7	5.2	4.1	5	6.1	4.8	5.8	5	4.9	5	4.1	4.1	4.3	6.1	4	5.3	6.3	5.3	5.3	102.2
Dryden Mutual ( 50 )	6.9	6.6	8.5	8	8.4	8.2	5.6	8.1	8.1	8	5.6	2.9	3.3	7.9	8.2	8.1	8.7	8.8	8.8	8.4	147.1
Encompass ( 49 )	4	7.7	5	4.2	5.9	5.4	4.3	4.4	7.3	7.8	6.3	7.7	7	5.4	6.4	5.8	6.9	5.1	6.2	4.6	117.4
Erie & Niagara ( 55 )	6.7	6.7	8	7.5	7.7	8	5.7	7.6	8.3	8.4	7	4.7	4.4	7.9	8.1	7.6	8	8.4	7.9	7.4	146
Erie Insurance Group ( 25 )	7.6	8.7	9	8.6	7	8.9	7.9	9	9	9	6.9	7.8	5.7	8.5	8.2	9.1	8.7	8.8	8.6	8.4	165.4
Fireman’s Fund commercial ( 16 )	5.9	7.4	6.8	6.2	6.7	7	6.8	6.3	7.5	7	6.1	6.5	5	6.3	6.3	6	8	5.9	5.9	5.8	129.4
Fireman’s Fund personal ( 19 )	5.7	9	7.1	6.4	6.1	7.5	6.6	6.9	7.8	8	6.4	5.7	7.1	6.9	6.8	7.4	8.4	7.4	7.7	6.7	141.6
Foremost/Farmers ( 108 )	6	6.8	6.3	6	6.8	6.7	6.4	6.8	7.8	8	6	6.9	5.6	6.7	7.2	7	7.3	7.4	7.3	6.2	135.2
GMAC ( 105 )	6.3	6.7	7.1	6.7	6.4	7.1	5.9	6.4	7.5	7.7	7.2	7.4	6.6	7.1	7.6	7.5	7.5	7	7.6	6	139.3
Greater NY Mutual ( 11 )	6.9	7.9	6.1	5.6	6.9	7.4	5.1	6.6	6.7	5.9	4.9	2.4	2.6	5.6	8	6.4	8.1	8.1	7.3	5.3	123.8
Hanover Group commercial ( 31 )	6.7	7.6	7.9	8	7.5	8	6.1	7.2	8	7.9	7.3	5.4	5.1	7.5	7.1	7.7	7.4	8	7.2	7.4	145
Hanover Group personal ( 50 )	5.8	7.2	7.2	6.7	7	7.6	5.8	6.5	7.7	7.8	7	7.9	6.9	7.3	7.5	7.3	7.7	7.4	7.2	6.8	142.3
Harleysville/Worcester ( 42 )	6.9	7.5	7.6	7.7	7.7	7.9	6.5	7.1	7.8	7.8	6.9	6.5	6	7.6	7	7.5	7.9	7.9	7.5	7.9	147.2
Interboro ( 84 )	8	7.4	7.7	7.8	8.1	8.4	5.5	7.9	8	8.2	7.4	6.6	7	7.6	7.6	7.4	8	8.1	8.3	7.5	152.5
Kemper/Unitrin ( 79 )	7.2	8.2	7.9	7.6	7.7	7.8	6.7	7.3	8.1	8.3	8	8.3	7.9	7.9	8.4	8.3	8.5	8.1	8.2	7.2	157.6
Magna Carta ( 21 )	6	6.5	6.6	6.7	6.7	8.3	5.2	7.1	7.3	7.4	6.8	5.5	5.2	6.8	6.9	6.4	7.3	7.4	7.3	6.8	134.2
Merchants Mutual commercial ( 62 )	7.5	7.7	8	7.8	7.6	8.3	5.5	7.3	8	8.1	8	6.4	5.7	8	8.1	8.1	8.4	8.1	8	7.3	151.9
Merchants Mutual personal ( 53 )	7.7	8	8.1	7.6	8	8.5	5.8	7.5	8.2	8.5	8	8.2	6.6	7.9	8.1	8.3	8.5	7.8	8	7.3	156.6
Mercury General Group ( 50 )	7.5	7.5	7.7	7.4	8.1	8.6	6.4	7.8	8	8.1	6.8	7.6	7.5	7.4	7.8	7.6	8	8.1	8.2	7.1	153.2
MetLife Auto & Home ( 75 )	6.5	8.1	7.8	7.4	7.4	7.3	8.3	7.4	8.6	8.5	8	8.3	7.7	8.1	8.7	8.3	8.7	7.6	8	7.1	157.8
New York Central Mutual ( 162 )	7.7	8	8.4	8.3	8.1	8.7	7.1	8.1	8.1	8.2	8.2	8.3	8	8.3	8.5	8.5	8.9	8.6	8.7	8.2	164.9
New York Mutual Underwriters ( 61 )	6.3	6.5	8.2	7.7	6.7	7.7	5.4	7.1	7.8	8.1	5.8	4.8	4.1	7.6	8.2	7.8	8.2	8.1	8.2	7.5	141.8
NGM/Main Street commercial ( 69 )	7.1	8	8.2	7.8	8	8.5	6.9	7.9	8.1	8.3	7.6	7.2	6.6	8	7.7	8.1	8.2	8.1	8.2	7.6	156.1
NGM/Main Street personal ( 57 )	6.8	8	8.5	8.1	8.2	8.7	6.7	8	8.4	8.4	6.6	8.2	7	8.4	7.8	8.4	8.8	8.4	8.9	8.1	160.4
OneBeacon commercial ( 27 )	7.3	7.9	7.1	6.9	6.8	7.3	5.5	6.5	7.5	7.4	6.9	5.9	5.1	7.4	7.1	7.1	7.4	7.1	6.9	7	138.1
Peerless commercial (including Ohio Casualty & Safeco) ( 88 )	8.3	8.2	8	7.7	7.9	8.3	7.2	7.8	8	8.1	8.1	7.6	7.4	7.5	7.8	7.9	8.1	8	7.6	7.5	157
Philadelphia Insurance Cos. ( 57 )	7.9	8.3	7.7	7.5	6.9	7.6	6.7	7.3	7.7	7.8	6.8	5.3	4.8	7.2	8	7.6	8.2	8.5	8.2	7.5	147.5
Preferred Mutual ( 85 )	7.5	7.9	8.6	8	8.1	8.6	6.3	7.8	7.9	7.8	7.6	8.3	7.5	8.1	8.2	8.4	8.7	8.5	8.7	8.5	161
Progressive ( 226 )	6.2	7.3	7.6	6.9	5.5	6	8	5.7	8	8.6	9	8.7	8.3	8.3	8.6	8.4	8.2	8	8.4	6.1	151.8
Safeco personal (including Peerless) ( 77 )	7.6	7.9	7.8	7.5	7.5	8	6.9	7.6	7.8	8	8.4	8.2	7.8	7.9	7.8	7.8	8.1	7.9	7.9	7.3	155.7
Security Mutual ( 85 )	7.4	7.6	8.3	8	7.9	8.1	6.1	7.7	7.7	8	7	4.7	5.3	7.9	8.1	8	8.6	8.6	8.4	8	151.4
Selective ( 40 )	7.7	8.5	7.9	7.7	7.7	8.2	6.8	7.9	8.2	8.5	8.2	7.6	8	8.4	8.4	8.1	8.6	8.2	8	8	160.6
Sterling ( 68 )	7.7	7.9	8.7	8.4	8.4	9.1	6.8	8.1	8.5	8.6	8.3	8.2	6.1	8.6	8.9	8.8	9	8.6	8.8	8.3	165.8
The Hartford commercial ( 96 )	7.4	8.3	7.9	7.6	7.7	7.8	7.7	7.5	8	8.1	8.3	7.6	7.6	8	8	8	8.4	8	8	7.8	157.7
The Hartford personal ( 92 )	6.2	7.6	7.4	7.1	7.1	7.2	7.6	7.1	8	7.9	7.9	8.1	7.6	7.6	8.1	7.9	8.3	7.7	8.1	7.3	151.8
Tower Group ( 86 )	6.8	6.8	7	6.7	7	7.3	5.6	6.5	6.7	7	7	6.2	6	6.5	7	6.7	7.5	7.9	7.6	6.8	136.6
Travelers commercial ( 117 )	7	8.2	7.8	7.2	7.5	7.4	8.1	7.4	8.1	8	8	7.3	7	7.8	7.9	7.9	8.4	7.9	7.5	7.4	153.8
Travelers personal ( 219 )	7.2	8.1	7.8	7.3	7.7	7.1	8.1	7.2	8.4	8.5	8.2	8.5	8.4	7.8	8.1	8	8.3	8.2	7.9	6.8	157.6
Utica First ( 70 )	7.7	7.1	8.6	8.1	8	8.8	6.5	8.1	8.1	8.2	8.2	7.3	6.1	8.2	8.3	8.1	8.7	8.5	8.5	7.2	158.3
Utica National commercial ( 61 )	6.8	7.4	7.5	6.9	7.3	8.2	6.5	7.7	7.6	7.5	6.8	6.1	6	6.7	7	7.4	7.8	7.2	7	6.5	141.9
Utica National personal ( 60 )	7.3	7.7	7.6	7.1	7.4	8.6	6.3	7.8	8	8	7.6	8	7.1	7.3	7.9	7.8	7.9	7.7	7.8	7	151.9
Zurich U.S. commercial ( 29 )	6.4	7.3	7.2	6.6	6.7	6.7	6.4	6.6	7.4	7.4	7.4	6.8	6	6.6	7	6.7	7	7.2	7.4	6.7	137.5
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	6.9	7.6	7.6 * *	7.2	7.3	7.7	6.4	7.2	7.8	7.9	7.1	6.7	6.3	7.4	7.7	7.6	8.1	7.8	7.8	7.1	147.2
Avg Per Section	7.2		7.4				6.8		7.9		6.7			7.6			7.7
Sections	Section 1		Section 2				Section 3		Section 4		Section 5			Section 6			Section 7