COMMERCIAL AUTO TABLE OF CONTENTS

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1 COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits Auto Loan/Lease Gap Coverage Cancellation/Nonrenewal... 4 Classifications Covered Auto Designation Symbols Deductible Insurance Discounts Drive Other Car Coverage Farm Vehicles... 8 Financial Responsibility Laws - Certification Funeral Directors... 8 Hired Autos Increased Liability Limits Individual as the Named Insured Individual Risk Premium Modification Plan Insurance Score Introduction... 1 Medical Payments Mobile Equipment... 9 Mobile Homes... 8 Non-Binding/Ineligible Vehicles Non-Ownership Liability Physical Damage Coverage Rating Procedures Age Group s Original Cost New s Policy Term... 3 Premium Development Trucks, Tractors & Trailers Premium Procedures Primary Classifications and Rating s Table Private Passenger Types... 8 Rating Territories And s... 4 Rounding Procedure... 3 Roadside Assistance Coverage... 8 Safe Driver Insurance Plan (SDIP) Secondary Classifications and Rating s Table Service/Utility Trailer (0-2,000 Pound Load Capacity) Special or Customized Equipment Coverage Suspension Tapes, Records and Discs Coverage Towing and Labor Costs Coverage (See Roadside Assistance Coverage)... 8 Trusts Uninsured Motorists and Underinsured Motorists Coverage TERRITORY DEFINITIONS... T-1-4 Iowa New Business North Star Mutual Ins. Co. Renewals

2 INTRODUCTION COMMERCIAL AUTO The ISO Business Auto policy will be used to provide Commercial Auto coverage. We will generally write this coverage only when we provide the customer s Commercial Property and Liability insurance and there is no hauling for hire exposure. The Commercial Auto program is designed to provide coverage for eligible Commercial Auto insureds whose radius of use is within 200 miles of the place of garaging and whose regular operation is within the six states (Iowa, Minnesota, Nebraska, North Dakota, Oklahoma and South Dakota) where North Star writes auto policies. APPLICATION PROCEDURE The Business Auto ACORD application shall be used to apply for coverage for vehicles of the Commercial type. When an application is prepared it shall be sent to our office the same day if coverage is to begin immediately. The policy term begins at 12:01 A.M. at the address of the insured on the effective date; however, coverage will not begin prior to the time the application is prepared. If coverage is bound, do not hold the application pending receipt of additional information from the applicant. The application should be submitted with a notation indicating that additional information will follow. Applications should be completed in detail. All applications must be signed by the applicant and the agent. List all drivers, including family members that will drive company vehicles, and employees who drive their own vehicles on company business. This includes all full-time and part-time operators. An updated drivers list will be requested periodically. When the policy covers private passenger type vehicles titled in the name of the business, and used for personal use, the names and dates of birth for all household members, including children not of driving age must be furnished on the application. When an application is received and coverage is bound, a policy will be issued. If it is determined that the company underwriting requirements are not met, the policy will be mailed and a cancellation notice issued with a pro rata earned premium charged. Flat cancellations are not permitted. If an agent wants to determine if an applicant is acceptable, he may submit a signed application, indicating COVERAGE NOT BOUND, and we will conduct our underwriting review. It is important to furnish complete information on the questionability of the applicant with the application. Upon completion of our review, we will advise if the applicant is acceptable. The application will be retained in our office. PREMIUM PROCEDURES A. New Business Premium payments must accompany all applications. The premiums can be prepaid (full policy amount submitted with the application), or installment billed. Refer to the BILLING INFORMATION Section of the manual for specific billing information. If the installment option is selected, the minimum down payment must be submitted with the application. B. Renewals For policies not on the monthly billing option, a renewal billing notice will be sent 15 days prior to the renewal effective date. The notice will indicate the total amount due and will also show the amount due for the installment option. C. Endorsements If installments are remaining, the endorsement premium will be spread to future installment billings. If no installments are remaining, a bill will be sent immediately. Return premiums are made payable to the insured and sent to the insured. North Star Mutual Ins. Co. NSCA - 1 Renewals

3 PREMIUM PROCEDURES Continued D. Down Payment Requirements A minimum down payment of two months must be attached to all new applications. E. All installment and renewal payments should be sent with the remittance portion of the billing notice to: North Star Mutual PO Box 48 Cottonwood MN F. Renewal premiums must be in our office on or before the due date indicated. If the agent receives the money after the renewal date, he may bind coverage at the time he receives the money by preparing a new application. Do not date the application back to the renewal date; it must be dated on or after the date the renewal premium is received. The agent can bind coverage only by preparing a new application showing the date and time of day payment is received, and promptly submitting it with the required down payment to our office. Show the prior policy number of the application. G. If the insured makes a change on the policy in the renewal period, it is important for the renewal premium payment be received in our office to keep the policy from lapsing. The debit or credit endorsement will be processed accordingly. It is important to timely pay the amount billed to keep the policy from lapsing. H. Nonpayment A second billing notice will not be issued. If payment is not received by the date due, the following notices will be processed: 1. Renewals A lapse notice will be sent one day after the renewal date. 2. Installments and Endorsements A cancellation carry date will be established and a Final Premium/Cancellation Notice will be issued 23 days prior to the carry date. I. Bad Check Charge Checks returned by the bank for insufficient funds or similar reasons will result in an NSF check charge. COVERED AUTO DESIGNATION SYMBOLS ISO s Covered Auto Designation Symbols are used to indicate the autos that are covered autos in the policy. The available coverage symbols are as follows: 5 = OWNED AUTOS SUBJECT TO NO-FAULT Only those autos the insured owns that are required to have No-Fault benefits in the state where they are licensed or principally garaged. This includes those autos the insured acquires ownership of after the policy begins provided they are required to have No- Fault benefits in the state where they are licensed or principally garaged. 6 = OWNED AUTOS SUBJECT TO A COMPULSORY UNINSURED MOTORIST LAW Only those autos the insured owns that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage. This includes those autos the insured acquires ownership of after the policy begins provided they are subject to the same state uninsured motorists requirement. 7 = SPECIFICALLY DESCRIBED AUTOS Only those autos described in Item Three of the Declarations for which a premium charge is shown (and for Liability Coverage any trailers the insured does not own while attached to any power unit described in Item Three). North Star Mutual Ins. Co. NSCA - 2 Renewals

4 COVERED AUTO DESIGNATION SYMBOLS Continued 8 = HIRED AUTOS ONLY Only those autos the insured leases, hires, rents, or borrows. This does not include any auto the insured leases, hires, rents, or borrows from any of the insured s employees, partners, members or members of their households. 9 = NONOWNED AUTOS ONLY Only those autos the insured does not own, lease, hire, rent, or borrow that are used in connection with the insured s business. This includes autos owned by the insured s employees, partners, members or members of their households but only while used in the insured s business or personal affairs. 19 = MOBILE EQUIPMENT SUBJECT TO COMPULSORY OR FINANCIAL RESPONSIBILITY OR OTHER MOTOR VEHICLE INSURANCE LAWS Only those autos that are land vehicles and that would qualify under the definition of mobile equipment under the policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged. POLICY TERM A. Policies will be written for a term of 6 months. B. Policies will be renewed by renewal certificates. When renewal certificates are used, they must conform in every respect to current rules, rates and forms at the time of renewal. C. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only a Declarations, new identification card(s), and forms that are new or revised. Policyholders may receive all policy forms upon request. D. When a policy is issued with an effective date on the 29 th, 30 th or 31 st of any month, the first policy period may run from the date of issuance to the first date of the calendar month following the first policy period. Premium for the extended coverage of one to three days will be waived. ROUNDING PROCEDURE The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving $0.50 or more shall be rounded to the next higher whole dollar. This procedure shall apply to all interim premium adjustments, including endorsements or cancellations. ADDITIONAL AND RETURN PREMIUM CHANGES A. All changes requiring premium adjustments shall be computed pro rata. B. North Star will waive additional premium of $5 or less. This waiver applies only to that portion of the premium due on the effective date of the policy change. C. North Star will waive return premium of $5 or less if the insured requests the following: 1. Cancellation of any coverage or exposure; 2. Reduction of limits of liability; or 3. Increase in deductible. Except that return premium shall be returned at the request of the insured. North Star Mutual Ins. Co. NSCA - 3 Renewals

5 CANCELLATION/NONRENEWAL A. Company The company has the option to cancel or nonrenew the policy in accordance with State Statutes and Policy Conditions by giving the required advance written notice. The unearned premium will be returned so as to be received by the insured by the cancellation effective date. B. Insured s Request The policy may be cancelled by the Named Insured by: 1. Surrendering the policy with the latest copy of the declarations page to the company or any of its authorized agents; or 2. Mailing to the company written request signed notice stating when thereafter the cancellation shall be effective. 3. The unearned premium will be returned within 30 days after the cancellation request is received by the company. Backdating of the effective date is not permitted. C. Pro Rata Cancellation All policies cancelled by the company or at the Named Insureds request shall be cancelled on a pro rata basis. RATING TERRITORIES AND FACTORS A. Territories are defined in terms of United States Postal Service (USPS) ZIP codes, as shown in the Territory Definitions. As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this new ZIP code is not yet listed in the Territory Definitions, use the ZIP code that formerly applied to the risk before the ZIP code boundaries were changed. B. Territory s Coverage Territory Bodily Injury Property Damage Medical Payments Comprehensive / Specified Causes Of Loss Collision Uninsured / Underinsured Motorists North Star Mutual Ins. Co. NSCA - 4 Renewals

6 PREMIUM DEVELOPMENT TRUCKS, TRACTORS & TRAILERS A. This rule applies to all trucks, tractors and trailers which regularly operate within a 200-mile radius from the street address of principal garaging. Refer to the Personal Auto Manual for rating private passenger type autos used for business and for individually owned cars, pickups and vans not used in business. Do not bind coverage on semi-tractors and trailers. They are eligible only when North Star provides insurance on the insured s other farm vehicles or private passenger autos. B. Determination Of Classification Rating And Class Determine the classification rating factor and class code as follows: 1. Determine the primary rating factor based on size class, business use class and radius class. 2. Determine the secondary rating factor based on whether the risk is classified as fleet or non-fleet and driver record points. The secondary factor does not apply to Trailers, Semi-Trailers or Service/Utility Trailers. 3. Determine the combined rating factor by adding the secondary rating factor to or subtracting it from the primary rating factor. C. Territory Determination Determine the applicable territory from the Territory Definitions based on the street address of principal garaging. D. Premium Computation 1. Base Premiums a. Liability Coverages (Bodily Injury Liability and Property Damage Liability) (1) The trucks, tractors and trailers base premiums are: (a) 25,000/50,000 Bodily Injury = $50.00 (b) 25,000 Property Damage = $34.00 b. Physical Damage Coverages (Comprehensive and Collision) (1) The trucks, tractors, and trailers base premiums are: (a) $100 Deductible Comprehensive = $81.00 (b) $250 Deductible Collision = $96.00 (c) Specified Causes Of Loss = $47.00 c. Medical Payments Coverage (1) The trucks, tractors, and trailers base Medical Payments premium is: $2,000 Medical Payments = $7.00 d. Uninsured Motorists Insurance And Underinsured Motorists Insurance (1) The trucks and tractors base premiums are: (a) 25,000/50,000 Uninsured Motorists = $7.00 (b) 25,000/50,000 Underinsured Motorists = $5.00 North Star Mutual Ins. Co. NSCA - 5 Renewals

7 PREMIUM DEVELOPMENT TRUCKS, TRACTORS & TRAILERS Continued 2. Premium Computation Table Iowa Premium Computation Table (After each calculation, round to the nearest whole dollar Other Calculation Step Liability than Collision Collision Iowa New Business North Star Mutual Ins. Co. NSCA - 6 Renewals Med Pay UM/UIM Base Premium x x x x x x Age Group x x x Original Cost New x x x Territory x x x x x x Physical Damage Coverage Deductible factor x x x Load dumping factor 1.25 x Med Pay Increased Limits x x UM/UIM Increased Limits x x Liability Increased Limit x x Primary/Secondary Combined Rating x x x x x Passive Restraints Discount x x Commercial Companion Policy discount factor x x x x x x Anti-Theft Discount x x Insurance Score x x x x x x IRPM x x x x If a particular rating item is not applicable for a particular coverage or vehicle, go to the next step. 3. Stated Amount Rating Refer to Physical Damage Coverage Rating Procedures. CLASSIFICATIONS Classify trucks, tractors and trailers for liability and physical damage coverages as follows: A. Primary Classifications 1. Vehicle Weight Gross vehicle weight (GVW) and gross combination weight (GCW) mean: a. Gross Vehicle Weight The maximum loaded weight for which a single auto is designed, as specified by the manufacturer. b. Gross Combination Weight 2. Size Class The maximum loaded weight for a combination truck-tractor and semi-trailer or trailer for which the truck-tractor is designed, as specified by the manufacturer. a. Light Trucks Trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. This includes all pickup trucks b. Medium Trucks Trucks that have a gross vehicle weight (GVW) of 10,001-20,000 pounds. c. Heavy Trucks Trucks that have a gross vehicle weight (GVW) of 20,001-45,000 pounds.

8 CLASSIFICATIONS Continued d. Extra-Heavy Trucks Trucks that have a gross vehicle weight (GVW) of over 45,000 pounds. e. Semi-Tractors A semi-tractor is a motorized auto without body for carrying commodities or materials, equipped with fifth wheel coupling device for semi-trailers. An extra-heavy semi-tractor has a gross combination weight (GCW) over 45,000 pounds. f. Semi-trailers A semi-trailer is a trailer equipped with a fifth wheel coupling device for use with a truck-tractor, with load capacity over 2,000 pounds. This includes bogies used to convert containers into semi-trailers. g. Trailers Any trailer with a load capacity over 2,000 pounds, other than a semi-trailer. h. Service Or Utility Trailer Any trailer or semi-trailer with a load capacity of 2,000 pounds or less. 3. Business Use Class If a truck, tractor or trailer has more than one use, use the highest rated classification unless 80% of the use is in a lower rated activity. In that case, use the lower rated classification. a. Service Use Autos used for transporting the insured s personnel, tools, equipment and incidental supplies to or from a job location. This classification is confined to autos principally parked at job locations for the majority of the working day or used to transport supervisory personnel between job locations. b. Retail Use Autos used to pick up property from or deliver property to individual households. c. Commercial Use Autos used for transporting property other than those autos defined as service or retail. d. Farm Use Autos used for farming or ranching. e. Beet/Potato/Specialty Use Autos used for hauling beets or potatoes or other specialty property types. 4. Radius Class Determine radius on a straight line from the street address of principal garaging. a. Local (Up to 50 miles) The auto is not regularly operated beyond a radius of 50 miles from the street address where such auto is principally garaged. b. Intermediate (51 to 200 miles) The auto is operated beyond a radius of 50 miles but not regularly beyond a radius of 200 miles from the street address where such auto is principally garaged. c. Long Distance (Over 200 miles) The auto is operated regularly beyond a 200-mile radius from the street address where such auto is principally garaged. Vehicles in this classification are ineligible. B. Secondary Classifications Refer to Safe Driver Insurance Plan and Fleet Discount sections of this manual. Iowa New Business North Star Mutual Ins. Co. NSCA - 7 Renewals

9 PRIVATE PASSENGER TYPES Private passenger rating from the Personal Auto Manual applies. The underwriting requirements for these vehicles will be similar to the requirements for Personal Auto coverage. Private passenger vehicles titled in an individual s name should be submitted on the ACORD Personal Auto Application and written on the Personal Auto Policy. FARM VEHICLES Private passenger type autos, pickups and vans owned by an individual, husband and wife (or equivalent) resident in the same household, or a family farm partnership or corporation and not used in any occupation other than farming or ranching are eligible. Refer to the Personal Auto Manual for rating. ROADSIDE ASSISTANCE COVERAGE Coverage may be provided for roadside assistance and trip interruption costs resulting from the disablement of a private passenger type vehicle as designated in the declarations.. This coverage is available to private passenger autos, recreational trailers, and motor homes only. Refer to Personal Auto Manual for rating. ANTIQUE AUTOS CA For private passenger type automobiles, refer to the Personal Auto Manual for rules and rating. Use Stated Amount Insurance Endorsement CA instead of PP FUNERAL DIRECTORS CA A. Eligibility 1. This rule applies to autos owned or used by a funeral director. 2. The policy must exclude coverage for bodily injury or property damage which results from providing or failing to provide any professional service. Use Professional Services Not Covered Endorsement CA B. Premium Computation 1. Limousines - (Class ) a. For liability and medical payments coverages, multiply the trucks, tractors or trailers base premiums by b. For physical damage, multiply the trucks, trailers and semi-trailers base premiums by 0.55 for Comprehensive Coverage and by 0.50 for Collision Coverage. 2. Hearses And Flower Cars - (Class ) a. For liability and medical payments coverages, multiply the trucks, tractors or trailers base premiums by b. For physical damage, multiply the trucks, trailers and semi-trailers base premiums by 0.50 for Comprehensive Coverage and by 0.45 for Collision Coverage. 3. Combination Hearses and Ambulances are ineligible. 4. Autos Used For Other Purposes refer to Home Office Commercial Auto Underwriter. MOBILE HOMES CA Motor homes and pickup trucks used only to transport camper bodies should be rated according to the Personal Auto Manual. Use Stated Amount Insurance Endorsement CA North Star Mutual Ins. Co. NSCA - 8 Renewals

10 MOBILE EQUIPMENT There are a few options available to insure mobile equipment. In order to avoid gaps in insurance coverage with respect to mobile equipment, listed below are insurance options depending on the insured s needs. A. Insuring Mobile Equipment Using Inland Marine Generally, mobile equipment may be insured according to our Inland Marine Manual under the following circumstances: 1. The mobile equipment is not self-propelled or is self-propelled and is not subject to state compulsory or financial responsibility laws; 2. Liability for the transportation of the mobile equipment is covered under the Business Auto Coverage Form CA 00 01; and 3. Liability for the operation of the mobile equipment is covered under the insured s Commercial General Liability policy. Use the rates, rules and forms according to our Inland Marine Manual. B. Insuring Mobile Equipment Using Commercial Auto 1. Business Auto Coverage Form CA Mobile equipment may need to be insured under the Business Auto Coverage Form CA if the mobile equipment is subject to state compulsory or financial responsibility laws. a. Liability and Medical Payments Coverage Refer to Home Office Underwriter for eligibility and rating. b. Physical Damage Coverages The premium for such mobile equipment is determined on a stated amount basis. 2. Mobile Equipment Endorsement CA a. Application Mobile equipment may be insured using the Mobile Equipment Endorsement CA under the following circumstances: (1) The mobile equipment is not subject to state compulsory or financial responsibility laws; (2) The mobile equipment is not covered under the Business Auto Coverage Form CA 00 01; and (3) Liability for the operation of the mobile equipment is not covered under the insured s Commercial General Liability policy. b. Premium Determination (1) Liability and Medical Payments Coverages Refer to Home Office Underwriter for eligibility and rating. (2) Physical Damage Coverages The premium for such mobile equipment is determined on a stated amount basis. North Star Mutual Ins. Co. NSCA - 9 Renewals

11 DRIVE OTHER CAR COVERAGE CA A. Provides coverage to specifically named individuals (and their spouses) who do not own an auto but require coverage while they are using a nonowned private passenger type auto for their own personal use. B. Drive other car coverage may not be necessary if the individual insures a private passenger automobile on a Personal Auto Policy. Endorse a policy covering an individually owned auto that is used in the business with the appropriate Named Individual Insured Endorsement. C. The limits and deductibles for this coverage must follow the policy limits and deductibles. D. Premium Development - ( ) 1. Base Rates Coverage for a named individual may be written at the following rates: Semi-Annual Premium Coverage Limits (000 s) Per Named Individual Bodily Injury Liability 25/50 $13 Property Damage Liability 25 6 Comprehensive $100 Deductible 5 Collision $250 Deductible 11 Uninsured Motorist 25/50 60% of the basic truck rate Underinsured Motorist 25/50 60% of the basic truck rate Medical Payments Amount Selected 100% of the basic truck rate Apply the Commercial Companion Policy Discount and Insurance Score. 2. Increased Limits And Optional Deductibles a. Bodily Injury And Property Damage Increased Limits Refer to Increased Liability Limits section for factors. b. Comprehensive/Collision Deductibles Refer to Deductible Insurance section for factors. c. Uninsured And Underinsured Motorists Increased Limits For higher UM/UIM limits use 60% of the basic truck rate at the higher limit rate. North Star Mutual Ins. Co. NSCA - 10 Renewals

12 NON-OWNERSHIP LIABILITY A. Coverage for Non-Ownership Liability may be added for autos not owned, leased, hired, rented, or borrowed which are used in connection with the insured s business. B. If more than 50% of the insured s employees regularly operate their autos in the insured s business, refer to the Home Office Commercial Auto Underwriter for eligibility and rating. C. Premium Development For all risks other than social service agency risks defined as public transportation: 1. Determine the total number of employees of the insured at all locations and select the advance premium from the table below: BODILY INJURY PROPERTY DAMAGE Limit 25,000/50,000 25,000 No. of Employees For increased limits, multiply base rates by Increased Liability Limits factors. 2. Apply Commercial Companion Policy Discount and IRPM. D. For partnership as the named insured: When non-ownership liability coverage is provided, the coverage form provides coverage to a partnership for the use of autos owned by individual partners which are used in the business of the partnership. Multiply the truck rates by 10% for each active or inactive partner for the territory in which the partnership is located. Apply this rating base regardless of the type of autos being used. Add this amount to the premium developed above. E. Non-ownership ineligible risks include: 1. Clubs; 2. Prepared food house-to-house delivery; 3. Taverns; 4. Social Service Agencies; and 5. Garages. F. To extend non-ownership liability coverage to cover the individual liability of employees while using their autos in the employer s business, compute the additional premium by multiplying the premium determined in accordance with preceding Paragraph C., by 25%. Use Employees As Insureds Endorsement CA G. Earned Premium Unless there is a substantial change in exposures during the policy period, the advance premium is the earned premium. Iowa New Business North Star Mutual Ins. Co. NSCA - 11 Renewals

13 HIRED AUTOS CA 20 01, CA 20 54, CA A. Specified Auto Basis 1. If an insured lessee or renter is providing the primary insurance covering the auto and the term of the lease or agreement is: a. For 6 months or more: (1) Rate as though owned by the insured lessee or renter; and (2) If the policy is extended to cover the owner of the auto as an additional insured, multiply the otherwise applicable liability rate by Use Lessor Additional Insured And Loss Payee CA b. For less than 6 months: Refer to the Home Office Commercial Auto Underwriter. 2. If the owner of the auto is providing the primary insurance, rate according to Paragraph B. below. 3. If the lessor is an employee of the insured, use Employee As Lessor Endorsement CA If an employee rents or hires an auto in his or her own name for the purposes of performing duties related to the insured s business, use Employee Hired Autos Endorsement CA B. Cost Of Hire Basis Liability And Physical Damage Coverages 1. Cost of hire means the total amount incurred by the insured for the leasing and hiring of autos that the insured does not own. Cost of hire does not include charges incurred for: a. Autos that are leased, hired, rented or borrowed from any of the insured s employees, partners, members (if the insured is a limited liability company) or members of their households; or b. Services performed by motor carriers of property or passengers. 2. Liability Premium Computation a. Estimate the total annual cost for the hire of autos for each state where the insured is expected to hire autos. (Vehicles leased, hired, rented or borrowed with drivers are ineligible). b. To compute the advance premium, multiply the cost of hire rate in the rate table below times each $100 cost of hire in each state. Add the total cost of hire premium for all states. Semi-Annual Rate Per Each $100 Annual Cost Of Hire Bodily Injury Liability 25/50 Limit $0.35 Property Damage Liability 25,000 Limit 0.25 Apply the Commercial Companion Policy Discount and Insurance Score factor c. Unless there is substantial change in exposures during the policy period, the advance premium is the earned premium. d. To determine the premium for limits above the state minimum financial responsibility limits, multiply the premium by the appropriate factor shown in the Increased Liability Limits section. North Star Mutual Ins. Co. NSCA - 12 Renewals

14 HIRED AUTOS CA 20 01, CA 20 54, CA Continued 3. Physical Damage Premium Computation Physical Damage coverage may be provided for autos which are leased, hired, rented or borrowed while being operated by or in the custody of the insured, but does not apply to autos which are leased, hired, rented or borrowed with drivers or from any of the insured s employees, partners, members (if the insured is a limited liability company) or members of their households. Use Employee Hired Autos Endorsement CA for coverage if an employee rents or hires a vehicle in his or her own name for the purposes of performing duties related to the insured s business. a. Estimate the total cost for the hire of autos for each state where the insured is expected to hire autos. Do not include charges for any auto that is leased, hired, rented or borrowed with a driver or from any of the insured s employees, partners, members (if the insured is a limited liability company) or members of their households. b. To compute the advance premium for each state where the insured does business, multiply each $100 estimated annual cost of hire by the rates shown in the table below for each coverage. Add the total cost of hire premium for all states. Semi-Annual Rate Per Each $100 Comprehensive Annual Cost Of Hire $ 100 Deductible $ Deductible Deductible ,000 Deductible ,500 Deductible ,000 Deductible ,500 Deductible 0.14 Collision $ 250 Deductible $ Deductible ,000 Deductible ,500 Deductible ,000 Deductible ,500 Deductible 0.40 Apply the Commercial Companion Policy Discount and Insurance Score factor. c. Unless there is substantial change in exposures during the policy period, the advance premium is the earned premium. INDIVIDUAL AS THE NAMED INSURED CA A policy issued to an individual named insured may be endorsed with the Individual As Named Insured Endorsement. Family drive other car coverage may be provided at no additional charge if the policy covers: A. A private passenger auto not used for public transportation or rented to others without a driver. B. A pickup, panel truck or van that is not used in the business of the insured other than for farming or ranching. MEDICAL PAYMENTS CA The base premium for trucks, tractors, trailers is shown in Premium Development Trucks, Tractors & Trailers. For increased limits, use the following limit factors: Limit 2, , , , North Star Mutual Ins. Co. NSCA - 13 Renewals

15 AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT ADDED LIMITS CA A. For vehicles written on an actual cash value basis, the $1,000 sub-limit for loss to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time of loss, is: 1. Permanently installed in or upon the covered auto in a housing, opening or other location that is not normally used by the auto manufacturer for the installation of such equipment; 2. Removable from a permanently installed housing unit or is an integral part of that equipment; or 3. An integral part of such equipment. Such equipment does not include equipment designed or used for detection or location of radar. Coverage is not available for radar detection equipment. This $1,000 limit may be increased for vehicles written on an actual cash value basis. Form CA is not applicable to vehicles written on a stated amount basis, as the sub-limit does not apply to such vehicles. B. Premium Development 1. Determine the amount of additional coverage needed for covered equipment above the included $1, Select the premium from the table below independently for each covered auto: Added Limits For Audio, Visual And Data Electronic Equipment Semi-Annual Premium $ 500 $ 35 1, , , , , , , Over 4,000 Refer to Company Apply the Commercial Companion Policy Discount. North Star Mutual Ins. Co. NSCA - 14 Renewals

16 TAPES, RECORDS AND DISCS COVERAGE CA A. Provides comprehensive coverage for $200 worth of tapes, records, discs and other similar devices used with permanently installed audio, visual or data electronic equipment. B. Charge $8 per auto, per 6-month term. UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE CA 21 12, CA 21 02, CA A. Application Uninsured and Underinsured Motorists Coverage must be provided at limits not less than the minimum financial responsibility limits required by Iowa for bodily injury liability unless rejected by the named insured(s) in writing. Use Iowa Uninsured and Underinsured Motorists Coverage Endorsement CA For split limits use Split Bodily Injury Uninsured Motorists Coverage Limits Endorsement CA and Split Bodily Injury Underinsured Motorists Coverage Limits Endorsement CA 21 51; however, property damage is not provided by Uninsured and Underinsured Motorists Coverage in Iowa. The Iowa Insurance Division requires that we advise the applicant that UM/UIM coverage does not cover vehicle damage. Use Iowa Auto Supplement ACORD 62 IA. 1. The named insured has the right to reject either uninsured motorist coverage or underinsured motorist coverage or both by signed, written rejection. If the named insured is an individual, such rejection of coverage must be completed by all named insureds. Use Iowa Auto Supplement ACORD 61 IA. 2. North Star does not have to provide Uninsured nor Underinsured Motorists Coverage on renewal policies when the named insured has rejected the coverage on the policy previously issued by North Star. 3. If the named insured elects Uninsured and Underinsured Motorists Coverages, the coverages must be the same limits and must apply to all autos registered or principally garaged in Iowa under the policy. B. Limits 1. Base Limits are 25/ Increased Limits a. The insured must be offered limits equal to but not greater than the Bodily Injury Liability limits carried. b. The insured may choose lower limits, but not less than the base limits shown above. C. Premium Development 1. The base premiums are shown in Premium Development Trucks, Tractors & Trailers. 2. Apply the appropriate limit factor from the table below: s Limit (000 s) Uninsured Motorists Underinsured Motorists 25/ / / / / / The premiums are not subject to modification under the provisions of any rating plan except for the Commercial Companion Policy Discount and Insurance Score. 4. Do not charge a premium for the following: a. Trailers; b. Hired & non-owned autos; or c. Owned vehicles which have not been assigned registration plates (such as Auto Dealers Inventory). Iowa New Business North Star Mutual Ins. Co. NSCA - 15 Renewals

17 DEDUCTIBLE INSURANCE A. Liability Coverage Deductible Liability Insurance is not available for vehicles classified and rated according to the rules of this manual. B. Physical Damage Coverages For deductibles for which no premium is shown, compute the premium by multiplying the base deductible rate by the appropriate factor in the following table: Deductible Comprehensive s Collision s $ , , , , Specified Causes of Loss 0.40 NA C. Specified Causes of Loss Perils include: 1. Fire, lightning or explosion; 2. Theft; 3. Windstorm, hail, or earthquake; 4. Flood; 5. Mischief or vandalism; or 6. The sinking, burning, collision or derailment of any conveyance transporting the covered auto. FINANCIAL RESPONSIBILITY LAWS CERTIFICATION A. Financial Responsibility Filings required by the various states normally will not be made by North Star since, in most cases, a person requiring such a filing will not be eligible for coverage. B. The state requires the filing of a Financial Responsibility Certificate (SR-22) when the auto insurance policy serves as the required evidence of financial responsibility following conviction on traffic code violations or upon failure to satisfy judgment arising out of a motor vehicle accident. C. Certificates can be issued only by the North Star Home Office, and then only if complete information concerning the reason for the filing is submitted by the agent. The request for the certificate must clearly identify the person for whom the company will be making the filing. A Financial Responsibility Certificate will not be issued unless all autos owned by the applicant are insured by North Star. D. One (SDIP) Safe Driving Record Point shall be applied if a filing is made. INCREASED LIABILITY LIMITS Liability Coverages will be written on a split limit basis. The base limit for Bodily Injury Liability is 25,000/50,000. The base limit for Property Damage Liability is 25,000. For higher limits, multiply the base rates by the factors shown in the table below. Split Liability Limits BI Limits (000 s) PD Limits 25/ , / , / , / **250, / **500/ ** Do Not Bind Coverage. Refer to the Home Office for eligibility. North Star Mutual Ins. Co. NSCA - 16 Renewals

18 PHYSICAL DAMAGE COVERAGE RATING PROCEDURES A. Private Passenger Vehicles Refer to the Personal Auto Manual. B. Commercial Rated Vehicles Physical damage coverages are provided on an actual cash value or stated amount basis. 1. Actual Cash Value Premiums a. Actual Cash Value Actual cash value premiums are based on original cost new and age group of the vehicle. b. Original Cost New (1) Original cost new is the retail cost the original purchaser paid for the auto and its equipment. This includes the value of any trade-in auto and any federal, state and local sales taxes or any other taxes charged in place of sales taxes. (2) If the original cost new is not known, multiply the original cost new of the chassis by a factor of (3) Original Cost New s Comprehensive / Category Price Range Specified Causes Of Loss Collision 1-OCN $ 0-4, OCN 4,501-6, OCN 6,001-8, OCN 8,001-10, OCN 10,001-15, OCN 15,001-20, OCN 20,001-25, OCN 25,001-40, OCN 40,001-65, OCN 65,001-90, OCN 90, , c. Age Group (1) Determine the age group as follows: Age Group and Autos 1 Current model year 2 1 st Preceding Model Year 3 2 nd Preceding Model Year 4 3 rd Preceding Model Year 5 4 th Preceding Model Year 6 All Other (5 th Preceding Model Year or More) (2) The current model year changes October 1, regardless of the actual date the models are introduced. (3) For rebuilt or structurally altered autos, the age of the chassis determines the age of the auto. (4) Age Group s Comprehensive / Age Group Specified Causes Of Loss Collision d. Premium Development Refer to Paragraph D.2. of the Premium Development Trucks, Tractors & Trailers section for development of physical damage premiums. North Star Mutual Ins. Co. NSCA - 17 Renewals

19 PHYSICAL DAMAGE COVERAGE RATING PROCEDURES Continued 2. Stated Amount Basis CA For those autos which may be written on a stated amount basis, determine the premium as follows: a. Determine the stated amount rate for the desired physical damage coverage as follows: (1) Determine the actual cash value base premium for $15,001 20,000 Age Group 1 using the trucks, tractors and trailers premiums. (2) Multiply the actual cash value base premium by the applicable physical damage coverage factor below: Stated Amount Comprehensive & Specified Vehicle Value Range Causes Of Loss Collision $ 1-10, ,001-15, ,001-20, ,001-25, ,001-40, ,001-65, ,001-90, Over 90, b. Multiply the result of Paragraph B.2.a. by the actual stated amount of insurance per $100. c. Apply the Primary and Secondary Rating s. d. Apply the Commercial Companion Policy Discount and Insurance Score factor. 3. Service/Utility Trailer ( Lb. Load Capacity) Refer to Service/Utility Trailer ( Lb. Load Capacity) section. 4. Physical Damage Coverage On Vehicles Ten Years Old Or Older Physical damage coverage on vehicles 10 through 14 years of age may be written with the following minimum deductibles: Comprehensive $250 Collision $500 Do not bind coverage on vehicles 15 years old or older. Additional consideration may be secured from the Home Office Commercial Auto Underwriter. A photograph may be required. North Star Mutual Ins. Co. NSCA - 18 Renewals

20 SUSPENSION CA A. This rule does not apply to the following types of risks: 1. Risks for which a certificate has been filed in accordance with a financial responsibility law. 2. Risks subject to the requirements of any state or federal authority regulating motor carriers of passengers or property. 3. Any other risks subject to compulsory insurance laws. B. Insurance may be suspended only for liability, medical payments, uninsured/underinsured motorists and collision coverages and for periods of at least 30 days. Use Suspension Of Insurance Endorsement CA C. Suspension becomes effective on the date requested by the insured or the date the company or any of its authorized representatives receives the request. D. Prorate the return premium for the period of suspension. E. If the insured requests, reinstate the policy. Reinstatement must become effective on the day the company or any of its authorized agents receives the insured s request. F. If the insurance for all owned autos has been suspended, other coverages may continue where there is a separate premium such as non-ownership liability, hired autos on a cost of hire basis and drive other car coverage. AUTO LOAN/LEASE GAP COVERAGE CA A. This rule applies to autos that are loaned or leased for a period of six months or longer and which have been provided Physical Damage Coverage. B. A policy providing Physical Damage Coverage may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle and the actual cash value of the vehicle. Use Auto Loan/Lease GAP Coverage Endorsement CA C. The premium for Auto/Loan Lease GAP Coverage is computed by multiplying the Physical Damage Coverage premiums by a factor of SPECIAL OR CUSTOMIZED EQUIPMENT COVERAGE CA Comprehensive and collision coverage for Special or Customized Equipment may be purchased on a stated amount basis for special or customized equipment on a pickup, van or other vehicle insured for physical damage coverage. We will consider the following as normal standard equipment on a pickup or van which will not require an additional premium: Pickup topper with list price new up to $1,000; fog lights; running boards; clearance lights; visor; bug deflector; bed liner; and built in tool boxes with an aggregate list price new for all tool boxes of $500 or less. Other special equipment such as, but not limited to, the following will need to be insured as special equipment and rated for using the following rates. Load lifting tail gate; topper over $1,000 list price new; tool boxes with an aggregate of all boxes over $500 on the vehicle; or other equipment. Stated Amount Semi-Annual Rate Per $100 Comprehensive Collision $ 100 Deductible $0.53 $ 250 Deductible $ Deductible Deductible Deductible ,000 Deductible ,000 Deductible ,500 Deductible ,500 Deductible ,000 Deductible ,000 Deductible ,500 Deductible ,500 Deductible 0.18 The Stated Amount must be 100% of the current value. Apply the Commercial Companion Policy Discount and Insurance Score factor. North Star Mutual Ins. Co. NSCA - 19 Renewals

21 SERVICE/UTILITY TRAILER (0-2,000 Pound Load Capacity) CA A. Liability Liability coverage will be extended without charge to a Service/Utility Trailer (0-2,000 lb. load capacity) while connected to a covered private passenger auto, pickup, or van while it is not used as a residence or premises. B. Physical Damage Comprehensive and collision coverage may be provided on a Stated Amount basis. The Stated Amount must be 100% of the Actual Cash Value. Comprehensive Stated Amount Semi-Annual Rate Per $100 Collision $ 100 Deductible $0.60 $ 250 Deductible $ Deductible Deductible Deductible ,000 Deductible ,000 Deductible ,500 Deductible ,500 Deductible ,000 Deductible ,000 Deductible ,500 Deductible ,500 Deductible 0.30 C. Apply the Commercial Companion Policy Discount and Insurance Score factor. SAFE DRIVER INSURANCE PLAN (SDIP) A. Definitions 1. Driving Record Points a. Convictions Points shall be assigned for convictions during the experience period for motor vehicle violations of the applicant or any operator as follows: (1) One-half point for conviction of any moving traffic violation by any driver under the age of 30 that is not assigned under one of the following paragraphs. (This is limited to the first two convictions during the experience period.) (2) One point is assigned for the conviction of any other moving traffic violation resulting in: (a) suspension or revocation of an operator s license; or (b) the filing of evidence of financial responsibility under any Financial Responsibility Law required as of the effective date of this policy. (c) the third and successive convictions not qualifying under paragraphs (1) and (4) of this section by a driver under age 30. (3) Two points are assigned for: (a) the accumulation of points under a State Point System or a series of convictions requiring the filing of evidence of Financial Responsibility under any Financial Responsibility Law as of the effective date of this policy; or (b) conviction of reckless driving. (4) Three points are assigned for conviction of: (a) driving while intoxicated or under the influence of drugs; or (b) failure to stop and report when involved in an accident; or (c) homicide or assault arising out of the operation of a motor vehicle; or (d) driving while license is suspended or revoked; or (e) driving a motor vehicle at an excessive rate of speed and/or in a reckless manner where an injury to person or damage to property results. North Star Mutual Ins. Co. NSCA - 20 Renewals

22 SAFE DRIVER INSURANCE PLAN (SDIP) Continued (5) Minor Traffic Violations Exception b. Accidents The first two speeding citations within a 12-month period for not more than 10 miles per hour in excess of legal speed zones that are equal to or greater than 35 miles per hour and not greater than 55 miles per hour shall not be counted as moving violations. Points shall be assigned for each accident that occurred during the experience period, involving the insured or operator of the vehicle, who is 50% or more at fault. (1) One-half point is assigned for each auto accident that results in total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of less than $2,000. (2) One point is assigned for each auto accident that results in: (a) total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of $2,000 or more; or (b) a loss experienced under the Comprehensive Coverage portion of the policy under the following conditions: (i) A vehicle falling through the ice of any body of water; or (ii) An at fault accident in which the loss would normally be paid under Collision Coverage, but glass breakage is paid under the Comprehensive Coverage. (3) One point is assigned if, during the experience period there were two or more accidents each of which resulted in payment but have not been assigned a point under (2) above. (4) Chargeable losses resulting from the operation of a farm truck, motor home, artisan vehicle or an antique auto are subject to the provisions of the Safe Driver Insurance Plan. (5) Exceptions (a) Accidents involving personally owned private passenger autos not insured under this plan. (b) No points are assigned for accidents incurred by an operator demonstrated to be a named insured or a principal operator of an auto insured under a separate policy in this Company. In this situation the points will be assigned to the policy on which the operator is a named insured or principal operator. (c) No points are assigned for accidents occurring under the following circumstances: (i) (ii) auto lawfully parked (if the parked vehicle rolls from the parked position then any such accident is charged to the operator who parked the auto); or the applicant, owner or other resident operator in an accident is: i. determined to be 50% or less negligent; or ii. reimbursed for 50% or more of his or her damages by, or on behalf of persons involved in the accident. (iii) auto is struck in the rear by another vehicle and the applicant or other resident operator was not convicted of a moving traffic violation in connection with this accident; or (iv) operator of the other auto involved in the accident was convicted of a moving traffic violation and the applicant or operator was not convicted of a moving traffic violation in connection with the accident; or (v) auto operated by the applicant or any resident operator is struck by a hit-and-run vehicle, if the accident is reported to the proper authority within 24 hours by the applicant or operator; or (vi) accidents involving damage by contact with animals or fowl; or (vii) accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or falling objects; or North Star Mutual Ins. Co. NSCA - 21 Renewals

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