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page14APublicationofIndependentInsuranceAgentsofWVstatementisrequired.E.Nopersonshallknowinglydemandorrequiretheissuanceofacertix1acateofinsurancefromaninsurerinsuranceproviderorpolicyholderthatcontainsanyfalseormisleadinginformationconcerningthepolicyofinsurancetowhichthecertix1acatemakesreference.F.Nopersonshallknowinglyprepareorissueacertix1acateofinsurancethatcontainsanyfalseormisleadinginformationorthatpurportstoafx1armativelyornegativelyalteramendorextendthecoverageprovidedbythepolicyofinsurancetowhichthecertix1acatesmakesreference.x1cThebiggestthingthatwewereafterwasthatacerti1cateholdercanx19tbullyanagentintoputtingsomethingonacerti1catethatx19snotcoveredinordertohelptheirinsuredgetajobkeepajoborgetpaidforajobx1dHudginssaid.x1cOurintentwastogetouragentsoutofharmx19sway.x1dVirginiaisnx19ttheonlystatetotakeactiontoenforcestrictcerti1cateofinsurancerequirements.TheNationalConferenceofInsuranceLegislatorsNCOILvotedunanimouslythisyeartoexploreanewstatutoryapproachtoaddresshowaninsuredprovesinsurancetothirdparties.NCOILplanstodraftaproposallaterthissummerinconjunctionwiththealready-introducedCerti1catesofInsuranceModelAct.AccordingtoanNCOILstatementx1casintroducedthedraftCerti1catesofInsuranceModelActwouldrequireinsurancedepartmentapprovalofallcerti1cateformsmandatex1cinfoonlyx1ddisclosureandprohibitalteringacerti1cateorusingfalseormisleadingdata.ThemodelsponsoredfordiscussionbyRep.GeorgeKeiserNDwouldbanreferencetothirdpartycontractsandstressthatacerti1cateconfersnorightsbeyondwhatthepolicysays.x1dVIRGINIATOENFORCECERTIFICATEOFINSURANCEUSAGEcontinuedfromPage13RLICHUBBAMONGTOPPCPERFORMERSSNLRLICorp.topsthelistofpropertycasualtycommerciallinescarriersrankedbynancialperformanceforthe12monthsendingMarch31basedonareviewbySNL.RLIbeatoutChubbDorincoReinsuranceandArgoGroupfortophonors.AspecialtylinesinsurerRLIisbasedinPeoriaIllinois.RoundingouttheSNLtop10areMarkelAcuityAMutualAllyFinancialCUNAMutualW.R.BerkleyandAmericanInternationalGroup.SNLrankedbynancialperformance31propertycasualtyentitiesdesignatedashavingax1ccommerciallinesfocusx1dandthatheldatleast500millioninpolicyholdersx19surplusasofDec.312011.SNLdesignatesacompanyashavingacommerciallinesfocusifitwritesthemajorityofitsnetpremiumincommerciallinesbusinesswhilenotspecializinginanysingleareaofbusinesssuchasworkersx19compensationormedicalprofessionalliability.SNLsaiditevaluatedtheinsurersbasedonthefollowingmetricslistedinorderofimportanceannualizedratesofreturnprotabilityassetandsurplusgrowthinvestmentperformancereservedevelopmentandpremiumgrowth.ThisanalysisonlyincludesNAICNationalAssociationofInsuranceCommissionersstatutorylers.TodeterminethespecicperformancescoresSNLcalculatedthemeanamongallofthecompaniesforeachof13selectedmetrics.SNLthencalculatedeachcompanyx19sdeviationfromeachofthe13means.ThedeviationfromthemeanwasstandardizedusingaZ-testsothedifferentmetricschosencouldbecompared.Themetricswerethencategorizedandaweightedaveragewasappliedtoeachcategory.Returnsbothonassetsandequityandprotabilityratiosrelativetopremiumwerethehighestweightedcategoriesat35percentand30percentrespectively.Theratesofgrowthinassetsandsurplusreecttheannualizedsequentialchangeineachmetric.TominimizetheeffectofoutliersSNLsetarangelimitingtheamountofdeviationrecordedforeachcompany.DoyouhavesomenewstoshareClickheretosendusanemailaboutitTHEWESTVIRGINIAINSUROR