FARM UMBRELLA. 1.4 Five year loss history must be submitted with the application. 1.5 Details of all losses over $10,000.

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1 FARM UMBRELLA Program Description This program contains the rules and rates governing the writing of Farm Umbrella Liability Policies. The Farm Umbrella Liability Policy is designed to cover above average, owneroccupied farming operations. This section contains the guidelines and rates for writing a Farm Umbrella Liability Policy. Scope of Coverage This 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 Personal Injury or Property Damage. 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 of satisfaction for a loss in which the insured is liable. Rule 1 Eligibility - Agents do not have binding authority for Farm Umbrella Policies. Please submit the ACORD or Company application on a non-binding basis, with the following: 1.1 The underlying Farm coverage (including primary dwelling) 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 not insured with Mt Morris, and in the insured s household. 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 Policy Term Policies are written for a 12 month term. 2.2 Premiums - Policy premium changes or cancellations will be computed on a pro-rata basis. 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 UF-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, fully completed farm umbrella application. 2.5 Retained Limit - The retention by the insured for exposures not covered by the underlying insurance policy is $1000 per occurrence. 2.6 Minimum Premium - $125 per layer. Rule III Risks Requiring Home Office Approval 3.1 Risks with the following types of watercraft. A. Outboard boats that exceed 150 total horsepower. B. Inboard and inboard/outboard boats that exceed 260 horsepower. C. Boats 15 years of age or older. D. Boats that exceed 50 feet in length. E. Jet skis, wave runners, or other personal watercraft exceeding 50 horsepower. 3.2 Risks with the following MVR entries. A. Vehicle operators with more than 1 moving violation or chargeable accident in the past 3 years. B. Vehicle operators previously convicted of a major moving violation with-in the past 5 years. 3.3 Bed and Breakfast exposures unless the following conditions have been met: A. Each risk shall be inspected by the Company. B. Each room must contain a working smoke detector. Rule IV Ineligible Risks 4.1 Vacant/Unoccupied risks. 4.2 Risks that carry the Roomer/Boarder and/or Respite Care Program. 05/08 UF-2

3 4.3 Commercial Exposures - Risks with business operations conducted on the premises. Exposures not eligible for the underlying liability, home, farm, or auto programs due to commercially related activities will not be eligible for a farm umbrella, but may be eligible for a commercial umbrella. (Exception: Acceptable incidental business activities with receipts less than $20,000.) 4.4 Vehicle Operators - in the insured s household whose automobile insurance is provided by an assigned risk plan or auto program designated for high risk drivers. 4.5 Risks with truck filings - required by the Interstate Commerce Commission, Public Service Commission or a similar group. Rule V Underlying limits Mt Morris must write the underlying personal liability. In those instances where Mt Morris is not able to write a particular underlying auto exposure, it can be placed with a company having a Best s Rating of B+ or better, with Home Office approval. 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. The following are the minimum underlying limits required: 5.1 AUTOMOBILE LIABILITY - All vehicles with Mt Morris Mutual must have the same Liability limit $250,000/$500,000/$100,000 Split Limits; $300,000/$300,000/$100,000 Split Limits; $300,000 Combined Single Limit. 5.2 FARM PERSONAL LIABILITY-(Comprehensive Farm Liability or the Liability Section of a Farmowners Policy), Watercraft Liability, Recreational Vehicle Liability, Business Pursuits including Home Day Care, Bed and Breakfast exposures, and INCIDENTAL Business exposures. $300,000 Single Limit. 5.3 EMPLOYERS LIABILITY $500/$500/$ /08 UF-3

4 Rule VI Increased Limits of Liability - Rates reflect a $1,000,000 policy limit and a $1000 self-insured deductible. 6.1 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. A. RATING FACTORS: 1 Million Million.50 3 Million.50 4 Million Contact Home Office 5 Million Contact Home Office EACH LAYER IS SUBJECT TO THE MINIMUM PREMIUM OF $ Rule VII Exclusions 7.1 Workers Compensation, Unemployment Compensation, or Disability Benefits. 7.2 Personal Injury employee suing employee unless underlying affords coverage. 7.3 Property Damage to goods or products manufactured, sold, or handled by the insured. 7.4 Products recall. 7.5 War. 7.6 Commercial, Personal, and Farm Umbrella policies must have an Absolute Pollution Exclusion unless prohibited by state statute. 7.7 Transmission of disease. 7.8 Aircraft or aircraft related operations. 7.9 Any errors and omissions or professional liability exposures except for barber shops, beauty shops, cemeteries, druggists, opticians, clergy (only if sexual molestation exclusion is written), veterinarians that treat household pets, morticians, and hearing aid stores Directors and officers exposures except in reference to condominiums and homowners associations Racing of vehicles Intentional acts. 05/08 UF-4

5 Rule VIII Conditions 8.1 First dollar defense is provided for defense coverage in those areas which are uninsured in the primary policy(s), but which are covered under the broader coverage of the Umbrella Liability. 8.2 Maintenance of underlying each policy described in the declarations shall be maintained in full effect during the currency of the Umbrella Liability. Rule IX Renewing an Umbrella Policy 9.1 Completed renewal questionnaire must be provided to the Company. 9.2 Renewing an umbrella policy with underlying auto coverage elsewhere Mt Morris must be provided with current auto declarations. 05/08 UF-5

6 Farm Umbrellas Minimum Premium $125 *Each rate must correspond with its underlying limit. In some situations, this may require that you deviate from one column to another to correctly rate a risk. Applies to Farm Underlying Liability Limits: $300,000 $500,000 $1,000,000 Cultivated Farms Basic Premium (includes initial farm & $5000 in receipts for custom farming) Up to 640 acres to 1280 acres to 1920 acres to 2560 acres Each additional Each additional farm with buildings owned by, rented to or occupied by the insured Each additional residence occupied by the insured Each horse Each swimming pool Each trampoline Recreational Vehicles Snowmobiles, dune buggies, all terrain vehicles, mini-bikes, trail bikes or any other vehicles not licensed for road use and used off the residence premises Watercraft (under 50 feet) Each watercraft powered by an outboard motor (in excess of 25 HP) Each inboard or inboard/outboard watercraft (50HP-260HP) Jet Skis (not to exceed 50HP) Business Exposure Each incidental office, profession, private school or studio occupancy Each additional residence rented to others (maximum of 4 rental units) Home day care (maximum of 4 children) Custom Farming Each $1000 of annual custom farming receipts over $5000 (max of $25,000 annually) **CONTINUE WITH AUTO RATES ON NEXT PAGE** UF-6

7 Applies to Auto Underlying Limits: 250/500/ /500/100 1,000 or or 1,000/ CSL 500 CSL 1,000 CSL Automobiles, Motorhomes and Motorcycles Owned by, leased by, or furnished for regular use to an insured Initial Auto or Motorcycle Each Additional automobile and motorcycle Each Medium Truck (GVW of 10,001 to 20,000) Each Light-Heavy Truck (GVW of 20,001 to 35,000 pounds) Each Heavy Truck or Extra Heavy (GVW of 35,001 to 45,001 pounds or greater) Under aged operators (charge for each operator under the age of 25) Each trailer over 21 feet in length (bed length) Each motor home **UNINSURED/UNDERINSURED MOTORISTS COVERAGE IS NOT AVAILABLE ON THE FARM UMBRELLA** UF-7

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