PFM 05/03

PF&M COMPANION

By Bruce Hicks, CLU, CPCU

FORM AND ENDORSEMENT CHANGES

Approved by individual states, through March 2003

COUNTRYWIDE

Businessowners II

Insurance Services Office has introduced a multi-state, mandatory endorsement. The BP 05 14 01 03, War Liability Exclusion was written in order to expand the previous policy language. Unlike the property provisions, the BOP liability language only narrowly excluded damage related to war and similar events, barring coverage only when such liability was related to medical payments or exposure that was assumed contractually. The new War Liability Exclusion endorsement specifically prohibits coverage for any war (or similar activity) exposure.

Commercial Liability Umbrella, General Liability II

Insurance Services Office has introduced several multi-state, mandatory endorsements. The following forms were written in order to expand the previous policy language:

* CG 00 62 12 02 War Liability Exclusion (CGL Coverage Part)

* CG 00 63 12 02 War Liability Exclusion (Products/Completed Operations and OCP)

* CG 00 64 12 02 War Liability Exclusion (Liquor Liability, Pollution Liability, Railroad Protective, UST Coverage Parts)

* CU 00 62 12 02 War Liability Exclusion (Commercial Liability Umbrella Coverage Part)

Unlike the property provisions, the liability language onlynarrowly excluded damage related to war and similar events, barring coverage only when such liability was related to medical payments or exposure that was assumed contractually. The new War Liability Exclusion endorsements specifically prohibit coverage for any war (or similar activity) exposure.

Farm

Insurance Services Office has introduced several multi-state revisions of its Farm Program, affecting basic coverage parts and endorsements. ISO advises that the changes (broader and narrower elements) offset each other so that, in its opinion, there is no overall rate impact. For complete information, please refer to ISO Circular LI-FR-2002-147. The changes are substantial. Highlights of the revision include the following:

Section I Changes:

Broader coverage impact--relating to outdoor antennas and satellite dishes, the property loss valuation provision, appurtenant structures, household property, personal property with special sub-limits, property away from an insured location, grave markers, borrowed or rented farm machinery, miscellaneous and newly acquired equipment, private utility poles, and much more.

Narrower coverage impact--relating to vehicle parts, credit cards, funds access cards, livestock (under Coverage F), frozen plumbing, towing-related loss, roadbed collision, and much more.

Clarification of--several causes of loss (such as earth movement, intentional loss and others) and defined terms (notably, "collapse"). While often described as an editorial change, there is always the possibility that interpretations will result in a measurable impact on coverage.

Section II Changes:

Broader coverage impact--relating to building property replacement cost provision, increased limit options on household and business property, blanket coverage for barns and other structures, loss due to interrupted operations, medical payments, and much more.

Narrower coverage impact--relating to functional building valuation option, theft of certain property classes, intentional loss, custom farming coverage, home daycare exposure, and much more.

Clarification of--various elements and items such as the Windstorm and Hail Percentage Deduction, protective safeguards, value reporting forms, chemical drifts, extensive changes to the Personal Liability Endorsement, Limited Farm Pollution Liability Endorsement, Premises Liability, crop dusting exposure, employers liability, and much more.

Section III Changes:

The changes in the section focus upon the coverage provided by the Farm Umbrella Liability Policy and Farm Umbrella Endorsements.

New and Revised Forms include:

FB 04 01, Farm Premises And Personal Umbrella Liability

FB 04 02, Broadened BI Definition

FB 10 03, Advertising Injury Exclusion

FB 10 04, Custom Farming Exclusion

FB 10 07, Products and Completed Operations

Revisions to the following policy provisions:

Coverage H Insuring Agreement and exclusions

Coverage I Personal and Advertising Injury

Conditions and Definitions

Editor's note: The list of individual states and which changes each has approved appears exclusively at the "PF&M Companion" link at the Rough Notes Web site: www.roughnotes.com.

What follows is a list of individual states and which of the above changes each has approved involving ISO forms and programs. The text will not be repeated but will refer back to this countrywide section.

ALABAMA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 19, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 9, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners II--The program changes referred to in the Countrywide section have been approved. The form is available for use by all participating insurers for all policies written on or after February 25, 2003.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 -76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003.

Commercial Liability Umbrella, General Liability II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after December 19, 2002.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

ALASKA

Commercial Liability Umbrella--Forms CU 31 07 09 00, Split Excess Uninsured and Underinsured Motorists Coverage Limits and CU 31 09 08 02, Alaska Excess Uninsured and Underinsured Motorists Coverage have been approved. The forms were made available in response to a state high court ruling that a CU policy qualified as a policy that offers auto liability coverage. Therefore, the policy must also offer UM/UIM coverage. The forms are available for use by all participating insurers for all policies effective on or after July 1, 2003.

Dwelling Liability--ISO's Personal Umbrella Liability Policy, related endorsements and state-specific forms have been approved. The forms are available for use by all interested insurers. The forms will carry a distribution date of April 2003.

Personal Automobile--Form PP 04 93, Uninsured and Underinsured Motorists Coverage - Alaska has been approved. The form was revised due to an insurance department notification that the exclusion of punitive damages did not comply with state law. The new form edition deletes the exclusion. The form is available for use by all participating insurers for all policies effective on or after April 1, 2003.

ARIZONA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 4, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of February 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 25, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2003.

ARKANSAS

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 30, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003.

Farm (not including Farm Umbrella)--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2003.

Farm Umbrella (see Countrywide Farm)--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers and carry a distribution date of September 2003.

CALIFORNIA

Homeowners--A state-specific form of the countrywide filing introducing the optional Identity Fraud Expense Coverage Endorsement form, HO 04 55, has been approved. The form is available for use by all participating insurers as it was approved effective December 16, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

COLORADO

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 23, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers and carry a distribution date of September 2003.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

CONNECTICUT

Farm (Umbrella)--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 are being implemented along with the state's approval of accompanying program rules. The forms are available for use by all participating insurers effective for all policies written on or after April 1, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

DELAWARE

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 28, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 31, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 5, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

FLORIDA

Businessowners--The program changes made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 17, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm--The program changes made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 17, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

GEORGIA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 along with a special, state disclosure requirement have been approved. The requirement concerns additional information regarding the capping of losses from certified acts of terrorism. The forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002, along with a special, state disclosure requirement have been approved. The requirement concerns additional information regarding the capping of losses from certified acts of terrorism. The forms are available for use by all participating insurers for all policies as of their approval date of January 17, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002, along with a special, state disclosure requirement have been approved. The requirement concerns additional information regarding the capping of losses from certified acts of terrorism. The forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 along with a special, state disclosure requirement have been approved. The requirement concerns additional information regarding the capping of losses from certified acts of terrorism. The forms are available for use by all participating insurers for all policies as of their approval date of January 31, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

GUAM

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 18, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

IDAHO

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 1, 2003. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 2, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 2, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 29, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 29, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

ILLINOIS

Commercial Automobile--Forms CA 01 20 06 03, Illinois Changes and CA 01 0406 03, Illinois Changes - Garage Coverage Form have been approved. The forms were revised to comply with state law. The law required that, depending upon the existence of other coverage, a permitted user of an auto dealership's car is covered on either a primary or excess basis. Further, the coverage must minimally be 100/300/50. The forms are available for use by all participating insurers for all policies written on or after June 1, 2003.

Farm (Umbrella)--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 are being implemented, along with the state's approval of accompanying program rules. The forms are available for use by all participating insurers effective for all policies written on or after May 1, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

INDIANA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 20, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--Form BP 01 35 06 03, Indiana Changes, has been approved. The form was revised to incorporate wording from another state form (IL 01 56 on fraud) and to correct some wording in the form's subrogation section. The form is available for use by all participating insurers for all policies written on or after June 1, 2003.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 21, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 28, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

IOWA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--Forms CA 01 60 02 03, Iowa Changes and CP 01 51 02 03, Iowa Changes have been approved. The forms were revised to comply with state law. The law requires that, in case of an unsatisfied judgment, the applicable third party gains the same status as a first party to sue an insurer. The forms are available for use by all participating insurers for all policies written on or after July 1, 2003.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Dwelling Liability--Form DL 25 14 01 03, Iowa has been approved. The form was revised to comply with state law. The law requires that, in case of an unsatisfied judgment, the applicable third party gains the same status as a first party to sue an insurer. The form is available for use by all participating insurers for all policies written on or after May 1, 2003.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Homeowners--Form HL 01 14 01 03, Special Provisions - Iowa has been approved. The form was revised to comply with state law. The law requires that, in case of an unsatisfied judgment, the applicable third party gains the same status as a first party to sue an insurer. The form is available for use by all participating insurers for all policies written on or after June 1, 2003.

KANSAS

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 5, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

KENTUCKY

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 31, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 30, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 28, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

LOUSIANA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 17, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG21 74 - 76 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 17, 2002. For more information, please see the Countrywide section (under the CU, CGL portion) in the February 2003 edition of Rough Notes magazine.

General Liability--The multi-state filings introducing the '98, '99 and '01 changes to the ISO General Liability Program, along with a number of state-specific forms, have been approved. The forms are available for use by all participating insurers for all policies written effective on or after July 1, 2003.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

MAINE

Homeowners--The countrywide filing introducing the optional Identity Fraud Expense Coverage Endorsement form, HO 04 55, has been approved. The form is available for use by all participating insurers for all policies written on or after July 1, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

MARYLAND

MASSACHUSETTS

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

MICHIGAN

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 5, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 27, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--Form CA 21 31 07 03, Michigan Uninsured Motorists Coverage, has been approved. The form was revised to comply with the two recent decisions reached by high courts in separate cases. The modified form now includes a reference to a three-year limit to sue an insurer and a clarification of what constitutes a hit and run incident when there's no contact with such a vehicle. The form is available for use by all participating insurers for all policies written on or after July 1, 2003.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

MINNESOTA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of February 25, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of February 12, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CU 2131, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms, though approved, will be implemented along with the approval of the multi-state Commercial Liability Umbrella Program changes. The program and the terrorism forms will be available for use by all participating insurers for all policies written effective on or after May 1, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of February 12, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

MISSISSIPPI

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 13, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

MISSOURI

MONTANA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 11, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of February 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 11, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

NEBRASKA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 9, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 19, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 31, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 31, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 11, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 11, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

NEVADA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 10, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 23, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 28, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

NEW HAMPSHIRE

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filing made in response to the Terrorism Risk Insurance Act of 2002 has been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Homeowners--The following forms have been approved:

* HO 04 26 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 04 27 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 04 28 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 24 82 04 02 Personal Injury

The forms are available for use by all participating insurers for all policies written on or after May 1, 2003. The forms allow insurers to provide limited protection against mold/fungi-related losses under the basic HO policy forms.

NEW JERSEY

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of February 26, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--ISO's multi-state filing introducing its optional mold/fungi forms has been approved. The forms are available for use by all participating insurers for all policies written on or after June 1, 2003.(For more details on this change, please refer to the "PF&M Companion" in the November 2002 issue of Rough Notes magazine at http://www.roughnotes.com.)

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 24, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 21, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Homeowners--ISO's filing of its 2000 edition Homeowners and Mobilehomeowners programs, along with several state-specific forms, has been approved. The forms are available for use by all participating insurers for all policies written on or after June 1, 2003. (For more details on this change, please refer to the "PF&M Companion" in the July 2000 issue of Rough Notes magazine at http://www.roughnotes.com.)

Homeowners--The following forms have been approved:

* HO 04 26 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 04 27 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 04 28 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 24 82 04 02 Personal Injury

The forms are available for use by all participating insurers for all policies written on or after June 1, 2003. The forms allow insurers to provide limited protection against mold/fungi-related losses under the basic HO policy forms.

NEW MEXICO

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 20, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 20, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Dwelling Liability--Form DL 98 95 06 03, Personal Umbrella Liability Policy Amendment of Policy Provisions - New Mexico has been approved. The form is available for use by all interested insurers and it will carry a distribution date of June 2003. The endorsement's termination wording was revised in order to comply with statutory requirements.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 21, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 30, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

NEW YORK

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 and in accordance with the NY Ins. Dept. Circular Letter No. 25 (2002) have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 28, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: To comply with state insurance regulations, state-specific form CA 23 65 12 02 was also approved as a substitute for multi-state form, CA 23 57 12 02, Exclusion Of Certified Acts Of Terrorism. The forms are available for use by all participating insurers for all policies as of their approval date of February 18, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: This state's filing did NOT include forms CG 21 77/CU 21 37, Exception To Terrorism Exclusion For Certified Acts Of Terrorism or CG 211 78/CU 21 38, Removal of Terrorism Exclusion (not applicable since previous war exclusions were not applicable in New York). The forms are available for use by all participating insurers for all policies as of their approval date of February 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

NORTH CAROLINA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 23, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 13, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 2, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 14, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

NORTH DAKOTA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 13, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 8, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 30, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 30, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 16, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

OHIO

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--Form CA 21 33 09 03, Ohio Uninsured and Underinsured Motorists Coverage, has been approved. The form was revised in response to the decision reached by the Ohio Supreme Court in Ferrando v. Auto-Owners Mut. Ins. Co. In light of this case, the form's notification provision now states that late notification will result in claim denial only if the delay harms the insurer's rights. The form is available for use by all participating insurers for all policies written on or after September 1, 2003.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: Amended filings, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 and to withdraw two non-compliant forms (related to excluding punitive damage) were also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 13, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Personal Automobile--The following forms have been approved:

* PP 01 86 08 03 Amendment of Policy Provisions - Ohio

* PP 04 82 08 03 Uninsured Motorists Coverage - Ohio

* PP 14 04 08 03 Property Damage Uninsured Motorists Coverage - Ohio

* PP 14 09 08 03 Underinsured Motorists Coverage - Ohio

The forms were revised in response to the decision reached by the Ohio Supreme Court in Ferrando v. Auto-Owners Mut. Ins. Co. In light of this case, the forms' notification provisions now state that late notification will result in claim denial only if the delay harms the insurer's rights (except in form PP 04 82, where the modified portion is the Consent To Settle provision). The forms are available for use by all participating insurers for all policies written on or after August 1, 2003.

OKLAHOMA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 20, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of February 18, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 22, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 27, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

OREGON

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 18, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 18, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 2, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 28, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

PENNSYLVANIA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 27, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

PUERTO RICO

Commercial Lines--Form IL 01 36 02 96, Mandatory Premium And Coverage Conditions Endorsement - Puerto Rico has been approved. The form is available for use by all participating insurers for all policies written on or after May 1, 2003. The form includes wording that prohibits transactions that include an extension of credit as part of a premium payment.

Personal Automobile--The multi-state filing introducing the '98 edition of the Personal Auto Program, several state-specific forms and a Spanish version of both policy and forms have been approved. The forms are available for use by all participating insurers for all policies effective on or after May 1, 2003.

Personal Automobile--English and Spanish versions of form PP 13 01 12 99, Coverage For Damage To Your Auto Exclusion Endorsement have been approved. The forms are available for use by all participating insurers for all policies written effective on or after May 1, 2003. The forms clarify that there is no coverage for loss attributable to a covered vehicle's diminished value.

RHODE ISLAND

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after June 1, 2003.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 27, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Homeowners--The following forms have been approved:

* HO 04 26 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 04 27 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 04 28 04 02 Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage

* HO 24 82 04 02 Personal Injury

SOUTH CAROLINA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 4, 2003. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of February 4, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of February 11, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

SOUTH DAKOTA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 17, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 13, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

TENNESSEE

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 10, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 30, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

TEXAS

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: This state's filing did NOT include forms CG 21 77/CU 21 37, Exception To Terrorism Exclusion For Certified Acts Of Terrorism or CG 211 78/CU 21 38, Removal of Terrorism Exclusion (not applicable since previous war exclusions were not applicable in Texas). The forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: This state's filing did NOT include forms FL 70 11 02, Cap On Losses From Certified Acts Of Terrorism or FL 10 73 11 02, Exclusion Certified Acts Of Terrorism (not applicable since previous war exclusions were not applicable in Texas). The forms are available for use by all participating insurers for all policies as of their approval date of February 7, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

UTAH

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 5, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 12, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Dwelling Liability--Form DL 98 55 06 03, Personal Umbrella Liability Policy Amendment of Policy Provision - Utah has been approved. The form is available for use by all participating insurers and it will carry a distribution date of June 2003. The form's Termination Provision was changed to conform with Utah statutes.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 17, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

VERMONT

Homeowners--Form HO 04 02 04 03, Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage - Vermont has been approved. The form is available for use by all participating insurers for all policies written on or after April 1, 2003. The form was created in order to conform with the state-specific endorsements that were previously approved with the state's adoption of the HO 2000 Program.

VIRGIN ISLANDS

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 31, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 31, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 31, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

VIRGINIA

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 11, 2003. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of February 5, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--While the countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 are still pending, forms CA 23 5611 02/CC 23 56 11 02, Caps On Loss From Certified Acts Of Terrorism were approved. The forms are available for use by all participating insurers for all policies as of their approval dates of February 1, 2003, and February 7, 2003, respectively.

WASHINGTON

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of November 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Lines--Forms IL 01 46 03 03, Washington Common Policy Conditions and BP 01 06 03 03, Washington Changes have been approved. The forms are available for use by all participating insurers for all policies written on or after July 1, 2003. The IL form change was merely to add "Washington" to its title. The BP form's wording was changed to state that the policy coverage will renew automatically unless the policy specifically says otherwise (though there has to be a reason for the non-renewable status).

WEST VIRGINIA

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 22, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella--Form CU 02 13 05 03, West Virginia Changes - Cancellation has been approved. The form is available for use by all participating insurers for all policies written on or after June 15, 2003. The excess coverage form was changed so that it made the proper references to underlying coverage.

Farm Liability and Farm Inland Marine--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 23, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 24, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

WISCONSIN

Boiler and Machinery, Commercial Property, Commercial Inland Marine, Crime and Fidelity, Farm--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 30, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 26, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Automobile--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CA 23 58 - CA 23 61 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 7, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of December 26, 2002. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 15, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Umbrella--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 27, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

WYOMING

Businessowners--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of December 13, 2002. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms BP 05 38 - BP 05 41 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Commercial Liability Umbrella, General Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. NOTE: An amended filing, replacing 11 02 with 12 02 editions of forms CG 21 71, CG 21 72, CG 21 74 - 76, CU 21 31, CU 21 32, CU 21 34 - 36 was also approved. The amended versions include a definition of "any injury or damage," which applies strictly to terrorism loss. The original and amended forms are available for use by all participating insurers for all policies as of their approval date of January 6, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.

Farm Liability--The countrywide forms filings made in response to the Terrorism Risk Insurance Act of 2002 have been approved. The forms are available for use by all participating insurers for all policies as of their approval date of January 21, 2003. For more information, please see the Countrywide section in the February 2003 edition of Rough Notes magazine.