| 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 |
3 |
3.4 |
2.9 |
3.4 |
3.2 |
3.4 |
3.4 |
3.5 |
N/A |
N/A |
| Coverage compares favorably |
4 |
4 |
3.5 |
3.9 |
4.1 |
3.9 |
4 |
4 |
N/A |
N/A |
| 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 |
3.4 |
3.9 |
3.7 |
4 |
4.1 |
3.9 |
4.1 |
4 |
N/A |
N/A |
| Attractive agency compensation |
3.1 |
3.6 |
3.1 |
3.5 |
3.5 |
3.5 |
3.7 |
3.6 |
N/A |
N/A |
| Communicates effectively |
3.1 |
3.5 |
3.2 |
3.6 |
3.3 |
3.6 |
3.8 |
3.7 |
N/A |
N/A |
| 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 |
3.2 |
3.6 |
3 |
3.2 |
3.5 |
3.1 |
3.4 |
3.3 |
N/A |
N/A |
| Supports agency marketing |
3 |
3.3 |
3.4 |
3.2 |
3.6 |
3.2 |
3.7 |
3.3 |
N/A |
N/A |
| 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 |
3.8 |
3.6 |
3.3 |
3.4 |
3.9 |
3.4 |
3.9 |
3.5 |
N/A |
N/A |
| Good support, helps with training |
3.9 |
3.5 |
3.1 |
3.3 |
3.8 |
3.3 |
4 |
3.5 |
N/A |
N/A |
| Enables SEMCI/Real-Time transactions |
2.6 |
2.8 |
2.2 |
2.8 |
3 |
3.2 |
3.8 |
3.3 |
N/A |
N/A |
| 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 |
3.6 |
3.9 |
3.8 |
4 |
4.1 |
4 |
3.6 |
3.8 |
N/A |
N/A |
| Adjusts claims fairly |
3.6 |
3.9 |
3.5 |
3.9 |
3.9 |
3.9 |
3.6 |
3.9 |
N/A |
N/A |
| 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 |
3.3 |
3.8 |
3.3 |
3.8 |
3.6 |
3.8 |
3.8 |
3.7 |
N/A |
N/A |
| Speedy, responsive service |
3.5 |
3.9 |
3.4 |
3.9 |
4.1 |
4 |
4 |
3.7 |
N/A |
N/A |
| 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 |
2.9 |
3.7 |
3 |
3.6 |
3.4 |
3.7 |
3.8 |
3.8 |
N/A |
N/A |
| Grants flexibility when warranted |
2.3 |
3.2 |
3 |
3.2 |
3.5 |
3.4 |
3.6 |
3.4 |
N/A |
N/A |