COMMERCIAL UMBRELLA. 1.1 The underlying business insurance must be insured with Mt Morris.

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1 COMMERCIAL UMBRELLA Program Description This program contains the rules and rates governing the writing of Commercial Umbrella Liability Policies. This insurance is designed to cover the liability needs of the Business Community for small to medium sized risks. Umbrella Liability insurance is provided over Declared Primary Liability Insurance. Scope of Coverage The policy will pay, on behalf of the insured, the ultimate net loss in excess of the retained limit which the insured shall become legally obligated to pay as damages because of Bodily Injury, Property Damage, Personal Injury or Advertising Injury. Retained limit is the limit on other policies that the insured is required to carry, or the Self-Insured Retention (Deductible), for those exposures where primary coverage is not required. Ultimate net loss is the amount actually paid in settlement or satisfaction for a loss in which the insured is liable. Rule1 Eligibility - Agents do not have binding authority for Commercial Umbrella Policies. Please submit the ACORD or Company application on a non-binding basis, with the following information. 1.1 The underlying business insurance must be insured with Mt Morris. 1.2 Automobile declarations must be submitted for all vehicles not insured with Mt Morris. 1.3 MVRs (motor vehicle records) must be submitted for all drivers of the business. 1.4 Five year loss history must be submitted with the application. 1.5 Details of all losses over $10,000. Rule II General Information 2.1 PolicyTerm - The Commercial Umbrella Policy is written for a 12 month term. 2.2 Premiums - Policies are written for a 12 month term. A. The premium will be rounded to the nearest whole dollar. A premium involving 50 cents will be rounded to the next higher whole dollar. 05/08 UC-1

2 2.3 Changes - All changes to the policy need to be requested on an ACORD form or the Company s change form. 2.4 Assignment - Policy assignments are not available, submit a new, and fully completed commercial umbrella application. 2.4 Retained Limit - The retention by the insured for exposures not covered by the underlying insurance policy is $10, Minimum Premium - $500 for the 1st million, $400 for 2 nd and 3 rd million. Contact Home Office for the 4 th and 5 th million. 2.6 Prior Approval - must be received on all commercial umbrellas. The Company reserves the right to refuse any risk it sees unfit for this program. Rule III Risks Requiring Home Office Approval 3.1 Risks with any type of Water Craft. 3.2 Risks with vehicles insured elsewhere. 3.3 Drivers with moving violations, two or more in the past 3 yrs, and major citations in the past 5 yrs. 3.4 Risks with livery vehicles. Rule IV Underlying limits - Mt Morris Mutual must write the underlying Commercial Liability. In those instances where Mt Morris Mutual is not able to write a particular underlying automobile exposure, it can be placed with a company having a Best s Rating of B+ or better and the specified use of all vehicles must be accepted by Mt Morris Mutual. If the coverages referenced below are reduced, cancelled, discontinued, or nonexistent, the insured s minimum retained limit will be equal to the amount of liability coverage that the required underlying coverage would have provided. 4.1 AUTOMOBILE LIABILITY - All vehicles with Mt Morris Mutual must have the same Combined Single Limit. Split limits are not available with Mt Morris. Private Passenger autos and light trucks (10,000 GVW or Less) and medium trucks (10,001 to 20,000 pounds GVW). $250,000/$500,000/$100,000 Split Limits; $300,000/$300,000/$100,000 Split Limits; $300,000 Combined Single Limit. 05/08 UC-2

3 Heavy Trucks (20,001 to 45,000 GVW) and extra have trucks (45,001 and greater). Company approval required on vehicles above 45,000 GVW. $500,000/500,000/100,000 Split Limits; $500,000 Combined Single Limit 4.2 COMMERCIAL LIABILITY $500,000 Single Limit Per Occurrence Rule V Increased Limits of Liability - Rates reflect a $1,000,000 policy limit and a $10,000 self-insured deductible. 5.1 Limit may be increased to $2,000,000 or $3,000,000. Contact Home Office for a quote on $4,000,000 or $5,000,000. RATING FACTORS: 1 Million Million.50 3 Million.50 4 Million Contact Home Office 5 Million Contact Home Office Rule VI Exclusions 6.1 Workers Compensation, Unemployment Compensation, or Disability 6.2 Personal Injury - employee suing employee unless underlying affords coverage. 6.3 Watercraft over 50 feet away from owned premises. 6.4 Property Damage to goods or products manufactured, sold, or handled by the insured. 6.5 Products recall. 6.6 War. 6.7 Commercial, Personal, and Farm Umbrella policies must have an Absolute Pollution Exclusion unless prohibited by state statute. 06/08 UC-3

4 Rule VII Conditions 7.1 First dollar defense is provided for defense coverage in those areas which are uninsured in the primary policies, but which are covered under the broader coverages of the Umbrella Liability. 7.2 Maintenance of Underlying each policy described in the declarations shall be maintained in full effect during the currency of the Umbrella Liability. Rule VIII Premium Modifications Premiums may be modified (if justified) by a schedule credit not to exceed 25%. 05/08 UC-4

5 Commercial Umbrellas Minimum Premium $500 Rule 6- Rating Formula PREMISES OPERATIONS Primary Limits Table 1 Table 2 Table 3 $500,000 18% 31% 40% $1,000,000 12% 20% 29% PRODUCTS/COMPLETED OPERATIONS Primary Limits $500,000 $1,000,000 Table A 31% 15% AUTOMOBILE LIABILITY Underlying Limit 300CSL, 250/500, 500CSL, 500/500, 1,000,000 CSL 300/ /1000 Mt Morris Underlying limit 300 CSL 500 CSL Not available w/mt Morris Initial Auto, light truck Each additional auto, light truck Each Medium truck (10,001 to 20,000 GVW) Each Heavy truck (20,001 to 45,000 GVW) Each Extra-Heavy truck (Over 45,001 GVW) Each Driver under 25 years of age All trailers (utility, service, semi) No charge No charge No charge Hired and Non-Owned Auto No charge No charge No charge UM/UIM-NOT AVAILABLE ON THE UMBRELLA **UNINSURED/UNDERINSURED MOTORISTS COVERAGE IS NOT AVAILABLE ON THE COMMERCIAL UMBRELLA** 06/08 UC-5

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