Revised Commercial Umbrella Rule and Rate Manual Approved in Maryland and Indiana – 2/12/04

Pennsylvania Superior Court Upholds Depreciation of Partial Losses – 1/16/04

Revised Commercial Umbrella Rate and Rule Manual Approved in Pennsylvania and Delaware – 1/13/04

New Jersey Personal Lines Advanced Notice to Policyholders on Rate Filings Regulation Adopted – 1/09/04

Commercial Auto Mandatory Endorsement Revised in New Jersey – 1/07/04

Fungi / Mold Liability Exclusion Endorsement Approved for Personal Umbrella Liability Program – 1/06/04

Expedited Terrorism Filings Announced for Dwelling Program – 12/30/03

New Jersey Private Passenger Automobile Insurance Legislation Personal Injury Protection Revision Applicability – 12/12/03

Fungi / Mold Exclusion Added to Personal Excess Liability (Umbrella) Endorsement MPL 80 in New Jersey – 12/08/03

NJ Public Hearing on the Exportable List Announced – 12/05/03