As you are aware, among our 2012 goals has been the improvement of our company’s Personal Lines results.  Several strategies have been put in place to support improved profitability within this line of business, and we appreciate your continued support and loyalty.

Our plan is to continue to use a disciplined approach to improving our results.  As products and prices evolve, it is necessary to keep pace with an ever changing marketplace.  To that end, effective 11/1/2012, we are making the following changes:

Solid Fuel Heating Appliance (Group & Non-Group Program)

The Solid Fuel Heating Appliance charge is being increased from $75 per unit to $125.  A rule is also added to indicate units located in an attached or detached garage or outbuilding will be considered ineligible for new business.

Eligibility Requirements (Non-Group Program)      

We are updating our manual pages to conform to a recent change in MI state statute.  The Essential Insurance eligibility limit of three paid claims in three years is now increased from $3,200 to $3,700 excluding weather related claims.  The limit of three paid claims in three years is now increased from $4,300 to $5,000 including weather related claims.

Thank you again for your continued support as we work to improve our mutual results.

If you have any questions, please feel free to contact your Personal Lines Field Manager, Underwriter or myself.