| Products & pricing |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Pricing is competitive |
N/A |
N/A |
3.3 |
3.3 |
3.3 |
3.4 |
2.9 |
3.4 |
2.9 |
3.5 |
| Coverage compares favorably |
N/A |
N/A |
3.6 |
3.9 |
3 |
4 |
3.2 |
3.9 |
3.5 |
4 |
| Treatment of agents |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Dedicated to independent agency system |
N/A |
N/A |
4.1 |
3.9 |
4.3 |
4 |
3.6 |
3.9 |
4.7 |
4.1 |
| Attractive agency compensation |
N/A |
N/A |
3.7 |
3.4 |
3.7 |
3.5 |
3.6 |
3.5 |
3.9 |
3.7 |
| Communicates effectively |
N/A |
N/A |
3.2 |
3.5 |
2.7 |
3.6 |
2.1 |
3.5 |
2.6 |
3.7 |
| Marketing support |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Advertises, is recognizable brand |
N/A |
N/A |
2.2 |
3.2 |
2.2 |
3 |
2.1 |
3 |
2.3 |
3.1 |
| Supports agency marketing |
N/A |
N/A |
3.5 |
3.2 |
2.7 |
3.2 |
2.7 |
3.2 |
2.5 |
3.3 |
| Technology |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Good technology overall |
N/A |
N/A |
2.2 |
3.4 |
2.4 |
3.3 |
1.8 |
3.3 |
2.3 |
3.5 |
| Good support, helps with training |
N/A |
N/A |
2.1 |
3.3 |
2.2 |
3.2 |
1.9 |
3.2 |
2.6 |
3.4 |
| Enables SEMCI/Real-Time transactions |
N/A |
N/A |
2.5 |
2.9 |
2.1 |
2.8 |
1.8 |
3.1 |
1.9 |
3.4 |
| Claims handling |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Pays promptly |
N/A |
N/A |
3.4 |
3.9 |
3.5 |
4 |
3.1 |
3.8 |
3.3 |
4 |
| Adjusts claims fairly |
N/A |
N/A |
3.7 |
3.9 |
3.9 |
3.9 |
3.3 |
3.8 |
3.5 |
4 |
| Service |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Good overall service |
N/A |
N/A |
3.2 |
3.7 |
3 |
3.8 |
2.6 |
3.7 |
2.5 |
3.9 |
| Speedy, responsive service |
N/A |
N/A |
3 |
3.8 |
3 |
3.9 |
2.1 |
3.5 |
2.5 |
3.8 |
| Underwriting |
2003 |
2004 |
2005 |
2006 |
2007 |
| This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
This co. |
Avg. all cos. |
 |
| Stable, consistent market |
N/A |
N/A |
3.5 |
3.6 |
4 |
3.8 |
3.3 |
3.7 |
4.1 |
3.9 |
| Grants flexibility when warranted |
N/A |
N/A |
3.3 |
3.2 |
3.6 |
3.3 |
2.8 |
3.3 |
3.5 |
3.5 |