We really appreciate your patience during this catch-up phase. We frequently write on each of these only to find there is an amendatory endorsement already in place. We need actuarial support for rate changes. Generally, five years of data are reviewed to support changes. Underwriting judgment is not enough.
Most inland marine is considered a filed rate.
If you would like a copy of that list, please call our department and we will be happy to provide it for you. We require two copies of all filings. This includes any response to our correspondence. Some of the specialty lines require three copies. For those lines of insurance that are written on a claims-made basis, specific guidelines are in place which we will be happy to provide for you.