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The rates for each liability product are based on the unique drivers of risk exposure of that type of insurance, the type of business being insured, and the location of the business, among other factors.

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Claim money plus other value from pending class action settlements. Small commercial businesses, in aggregate, will be more impacted than medium, which will be more impacted than large companies, but it will vary substantially by industry.

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In particular, we are selective about the quality of the customers for which we issue surety bonds and require our customers to indemnify us for any losses we incur under surety bonds that we issue on their behalf.

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