State	Exemption	Exempt Policyholder Criteria	Other Provisions
Pennsylvania Effective 2/19/99 Rate/Form	Exempts Large Commercial Risks from rate and form filing provisions.	Large commercial risks include risks --with annual aggregate property/casualty premiums of at least $25K or at least 25 full-time employees --that employ a risk manager or retain a qualified insurance consultant or risk manager	Excludes reinsurance; marine insurance; aircraft insurance; personal risks; accident & health; title insurance; workers comp; insurance covering loss in excess of $10K issued to self-insurers.

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