Percent of business in Illinois by line:
Commercial: 100%

Are you currently appointing new agents? Yes.

What are your premium volume requirements? Minimum premium is 20,000, but will consider less occasionally. $500,000 commitment in six months, then look at mix-no Hazard 4.

What is your company's most aggressive line of business? WC.

Do you use credit scoring? N/A

Do you currently download/upload with your agencies? N/A

What methods do you use to distribute your insurance products? Independent Agents, 100%

If we had agents agree to sell homeowners policies with actual cash value endorsements, would you write more business in southern Illinois? N/A

What are the major ways in which you are interfacing electronically with your agents today? Are you pleased with the results? N/A

Additional Comments: Muirfield is a managing general underwriter owned by AON and representing Virginia Surety. Muirfield has 90 million in volume in Illinois. Out of the 100 agencies in Illinois, 20% do most of Muirfield's business. The company is looking to be flat in 2002, depending on reinsurance issues that are currently being worked on. Muirfield writes all contracting classes up to Hazard 4 and trucking is based on travel difference. VRP (Variable Ratio Program) is a loss deviser program with pre-determined high and low premium rates. The premium is set in the middle and changed at the end depending on losses and payroll. This generally starts at $100,000. Larry Colletti services Rockford East and 89 North (Chicago Branch). Norm Burdick handles the rest of the state.