COMMERCIAL AUTO UNDERWRITING AND RATING MANUAL

Transcription

1 COMMERCIAL AUTO UNDERWRITING AND RATING MANUAL COMMERCIAL AUTO GENERAL RULES AND OVERVIEW INTRODUCTION DEFINITION POLICY TERM BINDING AUTHORITY INELIGIBLE OPERATORS INELIGIBLE RISKS GMIC EXPENSE COST RATING FACTOR GMIC SCHEDULED CREDITS OR DEBITS TRUCKS, TRACTORS AND TRAILERS CLASSIFICATION GUIDELINES PREMIUM DEVELOPMENT PRIVATE PASSENGER TYPES ELIGIBILITY CLASSIFICATION GUIDELINES PREMIUM DEVELOPMENT OPTIONAL COVERAGES TOWING INDIVIDUAL NAMED INSURED ENDORSEMENT - CA DRIVE OTHER CAR COVERAGE BROADENED COVERAGE FOR NAMED INDIVIDUALS ENDORSEMENT CA NON-OWNERSHIP LIABILITY EMPLOYEES AS INSUREDS COVERAGE CA LOSS PAYABLE CLAUSE - CA HIRED AUTO LIABILITY HIRED AUTO PHYSICAL DAMAGE COVERAGE EMPLOYEE AS LESSOR ENDORSEMENT CA LESSOR - ADDITIONAL INSURED AND LOSS PAYEE CA HIRED AUTOS SPECIFIED AS COVERED AUTOS YOU OWN ENDORSEMENT CA EMPLOYEE HIRED AUTOS ENDORSEMENT CA DESIGNATED INSURED CA AUTOS LEASED, HIRED, RENTED OR BORROWED WITH DRIVERS PHYSICAL DAMAGE COVERAGE ENDORSEMENT CA RENTAL REIMBURSEMENT CA TAPES, RECORDS AND DISCS COVERAGE CA FELLOW EMPLOYEE COVERAGE CA AUTO LOAN/LEASE GAP COVERAGE CA JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.1

2 GARAGEKEEPERS COVERAGE ENDORSEMENT CA POLLUTION LIABILITY-BROADENED COVERAGE FOR COVERED AUTOS-BUSINESS AUTO, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS CA REGISTRATION PLATES NOT ISSUED FOR A SPECIFIC AUTO CA ON-HOOK CARGO COVERAGE GM COMMERCIAL AUTO BLANKET ADDITIONAL INSURED AMENDMENT GM WISCONSIN TERRITORY PAGES TABLES STATE LOSS COST TABLE INCREASED LIABILITY LIMITS TABLE LIABILITY DEDUCTIBLE FACTOR TABLE LIABILITY FLEET FACTOR TABLE AGE GROUP FACTOR TABLE ORIGINAL COST NEW FACTOR TABLE DEDUCTIBLE FACTOR TABLE TRUCKS, TRACTORS, AND SEMITRAILERS CAPABLE OF DUMPING THEIR LOADS AND ALL TRUCK-TRACTORS TABLE PHYSICAL DAMAGE FLEET FACTOR TABLE UNINSURED MOTORISTS COVERAGE LOSS COSTS TABLE UNDERINSURED MOTORISTS COVERAGE LOSS COSTS TABLE DOC FACTOR TABLE NON-OWNERSHIP LIABILITY LOSS COST TABLE GARAGE SERVICE OPERATIONS, NON-OWNERSHIP LIABILITY COVERAGE FACTOR TABLE EXTENDED NON-OWNERSHIP LIABILITY EMPLOYEE COVERAGE FACTOR TABLE LIABILITY COVERAGE FOR OWNER OF HIRED AUTO FACTOR TABLE COST OF HIRE BASIS LIABILITY LOSS COST TABLE HIRED AUTOS LIABILITY MINIMUM PREMIUM TABLE HIRED AUTOS PHYSICAL DAMAGE LOSS COSTS TABLE RENTAL REIMBURSEMENT PHYSICAL DAMAGE LOSS COSTS TABLE TAPES, RECORDS, AND DISCS COMPREHENSIVE LOSS COST TABLE AUTO LOAN/LEASE GAP COVERAGE PREMIUM COMPUTATION FACTOR TABLE GARAGEKEEPERS OTHER THAN COLLISION TABLE GARAGEKEEPERS COLLISION TABLE PRIMARY RATING FACTORS/CLASS CODES TABLE (TRUCKS AND TRAILERS) SECONDARY RATING FACTORS TABLE (TRUCKS AND TRAILERS) PRIVATE PASSENGER CLASS CODES TABLE GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

3 COMMERCIAL AUTOMOBILE GENERAL RULES AND OVERVIEW INTRODUCTION Germantown Mutual s commercial automobile program is primarily based on the ISO Commercial Lines Division One Automobile Manual. The rules are primarily those of that program and the rates are primarily based on ISO s Loss Costs, and are independently filed. DEFINITION Commercial Automobiles include trucks, pickup, panel and van types, truck tractors, trailers and semi trailers. Private passenger types are four wheel autos of the private passenger or station wagon types. A pickup, panel truck or van not used for business is rated as a private passenger auto. POLICY TERM All policies will be written for a term of one year. BINDING AUTHORITY This program is intended to support those property and liability risks the company currently insures. All risks must be submitted for approval. INELIGIBLE OPERATORS Those in need of a financial responsibility filing. Any operator who has had his/her license suspended or revoked within the past five years. Any operator without a valid Wisconsin driver s license. Any operator who has had two or more at fault accidents, more than two minor traffic violations, or a combination of one traffic violation and one at fault accident in the last three years. Any operator who is under the age of 26 or over the age of 69, and has had more than one minor violation in the last three years. Any operator who has been convicted of any of the following violations in the past five years: Accident-Conviction-Fatal Altering driver license Attempting to elude officer Falsified accident report Failure to report accident Failure to stop after accident Great bodily harm Habitual traffic offender Implied consent Implied consent underage Intoxicant in vehicle carrying underage person Injury due to negligent use of vehicle Imprudent speed Intoxicant in vehicle-operator Intoxicant in vehicle-passenger Juvenile alcohol Non-compliance w/driver Safety Plan Negligent homicide JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.3

4 Negligent homicide intoxicated Operating after revocation Operating while intoxicated causing injury Aggravated OWI Operating under influence of intoxicant or controlled substance Operating without license Operating without owners consent Operating while suspended Racing Reckless driving Speeding Excess Underage alcohol operation Vehicle used in commission of felony INELIGIBLE RISKS Any risk engaged in the following operations is generally ineligible: Ambulance service Anhydrous ammonia risks Armored cars Automobile Dealers Automobile dismantlers Auto vehicle delivery Auto loaning or leasing to others Concrete mixer trucks Courier service Daycare operation Driver training school Emergency vehicles Explosive hauling Extra-Heavy Trucks (Over 45,000 Lbs. G.V.W) and Extra-Heavy Truck-Tractors (Over 45,000 Lbs. G.C.W.) Farming (Discuss with underwriter. Some operations may be acceptable.) Fertilizer manufacturing or distributing Food and/or Beverage Delivery (Discuss with underwriter. Some operations may be acceptable.) Fuel dealers Garbage hauling Heavy Trucks (20,001 45,000 Lbs. G.V.W.) Heavy Truck-Tractors (0-45,000 Lbs. G.C.W.) Horse vans (Discuss with underwriter. Some operations may be acceptable.) House movers Ice cream vending vehicles Junk dealers Livestock haulers Logging/lumbering operations Long Distance Radius Operations (over 200 miles) Mining/quarrying operations Magazine/newspaper delivery Milk haulers Mobile home movers Moving companies Public or private livery, buses, limousines, 15 passenger vans, taxis Road construction Sand and gravel haulers Truckmen 18.4 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

5 GMIC EXPENSE COST RATING FACTOR PREMIUM DEVELOPMENT 1. Under the Trucks, Tractors and Trailers section (p 18.6), and under the Private Passengers Types section (p ); the premium is determined for Liability, Comprehensive, and Collision Coverages. For these coverages only, the following factor will be multiplied by those premiums. 2. The GMIC Expense Cost Rating Factor is This factor will not be multiplied by the Underinsured Motorists Premiums, Uninsured Motorists Premiums, Medical Payments Premiums, or any of the Optional Coverages Premiums GMIC SCHEDULED CREDITS OR DEBITS PREMIUM DEVELOPMENT 1. All coverage s are subject to any scheduled credits or debits, as filed by the company. JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.5

6 TRUCKS, TRACTORS AND TRAILERS CLASSIFICATION GUIDELINES 1. Fleet/Non-Fleet Classifications A. Classify as fleet the autos of any risk that have five or more self-propelled autos of any type that are under one ownership. Do not include autos owned by allied or subsidiary interests unless the insured holds a majority financial interest. B. Do not include mobile equipment insured on a general liability policy in determining if the risk is a fleet. C. Do not include trailers in determining if the risk is a fleet, but apply the fleet classification to the trailers if the risk otherwise is classified as a fleet. D. Classify the autos of any other risk as non-fleet. E. Do not change the fleet or non-fleet classification because of midterm changes. The fleet/non-fleet classification can only be changed when the policy is written new or at renewal. 2. Primary Classifications A. Vehicle Weight Gross vehicle weight (GVW) and gross combination weight (GCW) mean: (1) Gross Vehicle Weight The maximum loaded weight for which a single auto is designed, as specified by the manufacturer. (2) Gross Combination Weight 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. B. Size Class (1) Light Trucks Trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. (2) Medium Trucks Trucks that have a gross vehicle weight (GVW) of 10,001 20,000 pounds. Include crawler type trucks in this class. (3) Heavy Trucks Trucks that have a gross vehicle weight (GVW) of 20,001 45,000 pounds GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

7 (4) Extra Heavy Trucks Trucks that have a gross vehicle weight (GVW) over 45,000 pounds. (5) Truck Tractors A truck tractor is a motorized auto with or without body for carrying commodities or materials, equipped with fifth wheel coupling device for semi trailers. (a) A heavy truck tractor has a gross combination weight (GCW) of 45,000 pounds or less. (b) An extra heavy truck tractor has a gross combination weight (GCW) over 45,000 pounds. (6) Semi trailers A semi trailer is a trailer equipped with 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. (7) Trailers Any trailer with load capacity over 2,000 pounds, other than a semi trailer. (8) Service Or Utility Trailer Any trailer or semitrailer with load capacity of 2,000 pounds or less. C. 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. (1) 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. (2) Retail Use Autos used to pick up property from, or deliver property to individual households. (3) Commercial Use Autos used for transporting property other than those autos defined as service or retail. JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.7

8 D. Radius Class Determine radius on a straight line from the street address of principal garaging. (1) 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. (2) 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. (3) 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. GMIC is currently not a market for long distance operations. E. Classification Tables (1) See the Primary and Secondary Class Code Tables. PREMIUM DEVELOPMENT 1. Determination of Classification Rating Factor and Class Code Determine the classification rating factor and class code as follows: A. Determine whether the risk is classified as fleet or non-fleet. B. Determine the primary rating factor based on size class, business use class and radius class. (p 18.35) C. Determine the secondary rating factor, if any, based on the special industry classifications. (p 18.37) D. Determine the combined rating factor by adding the secondary rating factor to or subtracting it from the primary rating factor. 2. Premium Computation A. Liability (1) Determine the Territory Code by using the Wisconsin Territory Pages. (p 18.18) (2) Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) (3) Mulitply the State Loss Cost by the Increased Liability Limits Factor, found under the Increased Liability Limits Table. (p 18.27) (4) If applying a liability deductible, multiply the State Loss Cost by the Liability Deductible factor, found under the Liability Deductible Factor Table. (p 18.27) 18.8 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

9 (5) If this is a fleet, multiple the State Loss Cost by the Liability Fleet Factor, found under the Liability Fleet Factor Table. (p 18.27) (6) Multiply the State Loss Cost by the Combined Rating Factor (see Comments under Premium Development.1.D. listed on page 18.8). B. Physical Damage (Actual Cash Value Basis) (1) The following needs to be done separately for comprehensive and collision coverages: i. Determine the Territory Code by using the Wisconsin Territory Pages. (p 18.18) ii. Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) iii. Multiply the State Loss Cost by the Age Group Factor, found under the Age Group Factor Table (p 18.28) iv. Multiply the above result by the following: 1. Find the Original Cost New Factor, found under the Original Cost New Factor Table. (p 18.29) 2. Find the Deductible Factor, found under the Deductible Factor Table. (p 18.29) 3. Subtract the Deductible Factor from the Original Cost New Factor, however the deductible factor does not apply if the deductible factor is greater than the Original Cost New Factor v. To further clarify B.(1)ii. B.(1)iv. above, the formula should be: State Loss Cost x Age Group Factor x (Original Cost New Factor Deductible Factor) vi. For any trucks, trailers, and semitrailers capable of dumping their loads (determined by the secondary class code), and all trucktractors (determined by the primary class code), multiply the collision result by the factor found under the Trucks, Trailers, and Semitrailers capable of dumping their loads and all Truck-Tractors Table. (p 18.30) vii. If this is a fleet, multiple the result by the Physical Damage Fleet Factor found under the Physical Damage Fleet Factor Table. (p 18.30) viii. Multiple the result by the combined rating factor (see comments under 1.D. listed on page 18.8). D. Medical Payments (1) Trucks and Tractors i. Determine the Territory Code by using the Wisconsin Territory Pages. (p 18.18) JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.9

10 ii. Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) iii. Primary and secondary rating factors and fleet factors do not apply. (2) Trailers i. Determine the Territory Code by using the Wisconsin Territory Pages. (p 18.18) ii. Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) iii. Multiply the State Loss Cost by the primary rating factor. (p 18.35) iv. Secondary rating factors and fleet factors do not apply. E. Uninsured Motorists Insurance (1) See the Uninsured Motorists Coverage Loss Costs Table to calculate the premium. (p 18.30) (2) Primary and Secondary rating factors and fleet factors do not apply. F. Underinsured Motorists Insurance (1) See the Underinsured Motorists Coverage Loss Costs Table to calculate the premium. (p 18.31) (2) Primary and Secondary rating factors and fleet factors do not apply GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

11 PRIVATE PASSENGER TYPES ELIGIBILITY 1. Definition A private passenger auto is a four-wheel auto of the private passenger or station wagon type. A pickup, panel truck or van not used for business is rated as a private passenger auto. 2. Application This subsection applies to all private passenger autos which are owned by corporations, partnerships, unincorporated associations, government agencies or rated as part of a fleet and which are insured on a Business Auto form. CLASSIFICATION GUIDELINES 1. Class Codes are determined using the Private Passenger Class Codes Table below. (p 18.39) PREMIUM DEVELOPMENT 1. Determine the Territory Code by using the Wisconsin Territory Pages. (p 18.18) 2. Liability Premium Calculation a. Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) b. Multiply the State Loss Cost by the Increased Liability Limits Factor, found under the Increased Liability Limits Table. (p 18.27) 3. Physical Damage Premium Calculation a. Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) b. Multiply the State Loss Cost by the Age Group Factor, found under the Age Group Factor Table. (p 18.28) c. Multiply the above result by the following: i. Find the Original Cost New Factor, found under the Original Cost New Factor Table. (p 18.29) ii. Find the Deductible Factor, found under the Deductible Factor Table. (p 18.29) iii. Subtract the Deductible Factor from the Original Cost New Factor, however the deductible factor does not apply if the deductible factor is greater than the Original Cost New Factor. iv. To further clarify 3.b. 3.c. above, the formula should be: State Loss Cost x Age Group Factor x (Original Cost New Factor Deductible Factor). 4. Medical Payments Premium Calculation a. Using the Territory Code, determine the State Loss Cost, found under the State Loss Cost Table. (p 18.26) 5. Uninsured Motorists Insurance JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.11

12 a. See the Uninsured Motorists Coverage Loss Costs Table to calculate the premium. (p 18.30) 6. Underinsured Motorists Insurance a. See the Underinsured Motorists Coverage Loss Costs Table to calculate the premium. (p 18.31) GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

13 OPTIONAL COVERAGES TOWING Private Passenger Type Vehicles Only Limit Per Vehicle Premium $50 $9.00 $100 $17.00 INDIVIDUAL NAMED INSURED ENDORSEMENT CA No charge for this endorsement. DRIVE OTHER CAR COVERAGE BROADENED COVERAGE FOR NAMED INDIVIDUALS ENDORSEMENT CA For an individual named insured that owns a private passenger auto and is not an auto dealer, we use form CA and there is no charge. 2. In all other circumstances, use form CA and charge as follows: a. Liability Premium Calculation i. The rating territory is 102 ii. Multiply the Private Passenger Loss Cost found under the State Loss Cost Table (p 18.26), by the DOC Factor, found under the DOC Factor Table. (p 18.31) iii. Multiply the above result by the Increased Liability Limits Factor, found under the Increased Liability Limits Table. (p 18.27) Use the factor listed under All Other Risks. iv. For liability deductibles, multiply the above result by the Liability Deductible Factor, found under the Liability Deductible Factor Table. (p 18.27) b. Physical Damage Premium Calculation i. The rating territory is 102 ii. The following needs to be done separately for both Comprehensive and Collision coverage 1. Find the Private Passenger Loss Cost found under the State Loss Cost Table. (p 18.26) 2. If using a deductible, find the Deductible Factor, found under the Deductible Factor Table (p 18.29) and subtract that number from 1. Multiple the result by the Private Passenger Loss Cost found under the State Loss Cost Table. (p 18.26) 3. Multiple the above result by the DOC Factor found under the DOC Factor Table. (p 18.31) c. Medical Payments Premium Calculation i. The rating territory is 102. JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.13

14 ii. Find the Private Passenger Loss Cost found under the State Loss Cost Table. (p 18.26) iii. Multiple the above result by the DOC Factor found under the DOC Factor Table. (p 18.31) d. Uninsured Motorists Coverage i. Use the factor found under the Uninsured Motorist Coverage Loss Cost Table. (p 18.30) ii. Multiple the above result by the DOC Factor, found under the DOC Factor Table. (p 18.31) NON-OWNERSHIP LIABILITY 1. Other than Garage Service Operations a. Using the total number of employees (for all locations), determine the Liability Base Loss Cost, found under the Non-Ownership Liability Loss Cost Table. (p 18.31) 2. For Garage Service Operations a. Determine the total number of employees whose principal duty involves the operation of autos and multiple this amount by the Garage Service Operations, Non-Ownership Liability Coverage Factor, found under the Garage Service Operations, Non-Ownership Liability Coverage Factor Table. (p 18.31) b. Multiply the above result by the Liability Loss Cost for Private Passenger Type Vehicles, found under the State Loss Cost Table. (p 18.26) The Liability Loss Cost will be based on the territory where operations are principally conducted. EMPLOYEES AS INSUREDS COVERAGE CA Determine the Extended Non-Ownership Liability Employee Coverage Factor, found under the Extended Non-Ownership Liability Employee Coverage Factor Table. (p 18.31) 2. Multiply the above factor by the premium determined under the Non-Ownership Liability section above on page The above result is the additional premium that is added to the policy for this coverage. LOSS PAYABLE CLAUSE CA No charge for this endorsement GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

15 HIRED AUTO LIABILITY 1. Estimate the annual cost of hire. 2. Divide the estimated annual cost of hire by Multiply the above result by the Cost of Hire Basis Liability Loss Cost Factor, found under the Cost of Hire Basis Liability Loss Cost Table (p 18.32). 4. For liability deductibles multiply the above result by the Liability Deductible Factor, found under the Liability Deductible Factor Table. (p 18.27) 5. For increased limits, multiply the above result by the Increased Liability Limits Factor found under the All Other Risks column of the Increased Liability Limits Table. (p 18.27) 6. The minimum premiums for hired auto liability are listed under the Hired Autos Liability Minimum Premium Table. (p 18.32) HIRED AUTO PHYSICAL DAMAGE COVERAGE 1. Divide the estimated annual cost of hire by Multiply the above result by Hired Autos Physical Damage Loss Costs Factor, found under the Hired Autos Physical Damage Loss Costs Table. (p 18.32) 3. The minimum premium for Hired Auto Physical Damage coverage is $50. EMPLOYEE AS LESSOR ENDORSEMENT CA No charge for this endorsement. LESSOR ADDITIONAL INSURED AND LOSS PAYEE CA Multiply the otherwise applicable liability premium for the specified auto leased or rented by the Liability Coverage for Owner Of Hired Auto Factor, found under the Liability Coverage for Owner Of Hired Auto Factor Table. (p 18.32) HIRED AUTOS SPECIFIED AS COVERED AUTOS YOU OWN ENDORSEMENT CA Multiply the otherwise applicable liability premium for the specified auto leased or rented by the Liability Coverage for Owner Of Hired Auto Factor, found under the Liability Coverage for Owner Of Hired Auto Factor Table. (p 18.32) EMPLOYEE HIRED AUTOS ENDORSEMENT CA No charge for this endorsement. DESIGNATED INSURED CA No charge for this endorsement. JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.15

16 AUTOS LEASED, HIRED, RENTED OR BORROWED WITH DRIVERS PHYSICAL DAMAGE COVERAGE ENDORSEMENT CA No charge for this endorsement. RENTAL REIMBURSEMENT CA The following needs to be done separately for comprehensive and collision coverage. 2. Take the agreed amount of rental reimbursement for each day ($25) 3. Multiply by the maximum number of days (30) 4. Divided the above result by Multiply the above result by the loss cost per $100 of insurance found under the Rental Reimbursement Physical Damage Loss Costs Table. (p 18.32) 6. An example of the above equation would be 25 x 30 = / 100 = x 0.80 = $6 premium. TAPES, RECORDS AND DISCS COVERAGE CA Each individual auto, that receives this coverage, will be charged the premium referenced below in The premium per auto is the premium under the Tapes, Records, and Discs Comprehensive Loss Cost Table. (p 18.33) FELLOW EMPLOYEE COVERAGE CA No charge for this endorsement. AUTO LOAN/LEASE GAP COVERAGE CA Multiply the Physical Damage Coverage Premiums by the factor found in the Auto Loan/Lease Gap Coverage Premium Computation Factor Table. (p 18.33) GARAGEKEEPERS COVERAGE ENDORSEMENT - CA First determine one of three rating bases: a. Legal Liability b. Direct Coverage Primary Basis c. Direct Coverage Excess Basis 2. Garagekeepers Other than Collision Coverage. a. See the Garagekeepers Other Than Collision Table to determine the premium. (p 18.33) 3. Garagekeepers Collision a. See the Garagekeepers Collision Table to determine the premium. (p 18.34) GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

17 POLLUTION LIABILITY BROADENED COVERAGE FOR COVERED AUTOS BUSINESS AUTO, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS CA $ Charge for this form. REGISTRATION PLATES NOT ISSUED FOR A SPECIFIC AUTO CA For each coverage type (Liability, Auto Medical Payments, Uninsured Motorists, and Underinsured Motorists) a charge of $50 will be made for each plate. ON-HOOK CARGO COVERAGE GM Limit of insurance a. For each vehicle that has this coverage the following needs to be done. b. Take the limit of insurance and divide it by 100. Multiply this by 0.35 to determine the premium per vehicle. 2. Live Animals Sub-limit a. Limits of $5,000 and $10,000 are available. b. For each vehicle that has this coverage the following needs to be done. c. If the limit selected is $5,000 the premium is $5.00 d. If the limit selected is $10,000 the premium is $ Property being loaded or unloaded a. Take the total number of vehicles that have On-Hook Coverage and multiple that number by $ COMMERCIAL AUTO BLANKET ADDITIONAL INSURED AMENDMENT GM $ Charge for this form. JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.17

18 Code Name WISCONSIN TERRITORY PAGES Code Territory Code Name Code Territory Code Name ABBOTSFORD AUGUSTA BLENKER ABRAMS AVALON BLOOMER ADAMS AVOCA BLOOMINGTON ADELL BABCOCK BLUE MOUNDS AFTON BAGLEY BLUE RIVER ALBANY BAILEYS HARBOR BONDUEL ALGOMA BALDWIN BOSCOBEL ALLENTON BALSAM LAKE BOULDER JUNCTION ALMA BANCROFT BOWLER ALMA CENTER BANGOR BOYCEVILLE ALMENA BARABOO BOYD ALMOND BARNEVELD BRANDON ALTOONA BARRON BRANTWOOD AMBERG BARRONETT BRIGGSVILLE AMERY BASSETT BRILL AMHERST BAY CITY BRILLION AMHERST JUNCTION Code Territory BAYFIELD BRISTOL ANIWA BEAR CREEK BRODHEAD ANTIGO BEAVER DAM BROKAW APPLETON BEETOWN BROOKFIELD APPLETON BELDENVILLE BROOKFIELD APPLETON BELGIUM BROOKFIELD APPLETON BELLEVILLE BROOKLYN APPLETON BELMONT BROWNSVILLE APPLETON BELOIT BROWNTOWN ARCADIA BELOIT BRUCE ARENA BENET LAKE BRULE ARGONNE BENOIT BRUSSELS ARGYLE BENTON BRYANT ARKANSAW BERLIN BURLINGTON ARKDALE BIG BEND BURNETT ARLINGTON BIG FALLS BUTLER ARMSTRONG CREEK BIRCHWOOD BUTTE DES MORTS ARPIN BIRNAMWOOD BUTTERNUT ASHIPPUN BLACK CREEK CABLE ASHLAND BLACK EARTH CADOTT ATHELSTANE BLACK RIVER FALLS CALEDONIA ATHENS BLAIR CAMBRIA AUBURNDALE BLANCHARDVILLE CAMBRIDGE GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

19 Code Name Code Territory Code Name Code Territory Code Name CAMERON CONRATH DRESSER CAMP DOUGLAS COON VALLEY DRUMMOND CAMP LAKE CORNELL DUNBAR CAMPBELLSPORT CORNUCOPIA DURAND CAROLINE COTTAGE GROVE EAGLE CASCADE COUDERAY EAGLE RIVER CASCO CRANDON EAST ELLSWORTH CASHTON CRIVITZ EAST TROY CASSVILLE CROSS PLAINS EASTMAN CATARACT CUBA CITY EAU CLAIRE CATAWBA CUDAHY EAU CLAIRE CAZENOVIA CUMBERLAND EAU CLAIRE CECIL CURTISS EAU GALLE CEDAR GROVE CUSHING EDEN CEDARBURG CUSTER EDGAR CENTURIA DALE EDGERTON CHASEBURG DALLAS EDGEWATER CHETEK DALTON EDMUND CHILI DANBURY EGG HARBOR CHILTON DANE ELAND CHIPPEWA FALLS DARIEN ELCHO CHIPPEWA FALLS DARLINGTON ELDERON CLAM LAKE DE FOREST ELDORADO CLAYTON DE PERE ELEVA CLEAR LAKE DE SOTO ELK MOUND CLEVELAND DEER PARK ELKHART LAKE CLINTON DEERBROOK ELKHORN CLINTONVILLE DEERFIELD ELLISON BAY CLYMAN DELAFIELD ELLSWORTH COBB DELAVAN ELM GROVE COCHRANE DELLWOOD ELMWOOD COLBY DENMARK ELROY COLEMAN DICKEYVILLE ELTON COLFAX DODGE EMBARRASS COLGATE DODGEVILLE ENDEAVOR COLLINS DODGEVILLE EPHRAIM COLOMA DORCHESTER ETTRICK COLUMBUS DOUSMAN EUREKA COMBINED LOCKS DOWNING EVANSVILLE COMSTOCK DOWNSVILLE EXELAND CONOVER DOYLESTOWN FAIRCHILD Code Territory JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.19

20 Code Name Code Territory Code Name Code Territory Code Name FAIRWATER GLEASON HANOVER FALL CREEK GLEN FLORA HARSHAW FALL RIVER GLEN HAVEN HARTFORD FENCE GLENBEULAH HARTLAND FENNIMORE GLENWOOD CITY HATLEY FERRYVILLE GLIDDEN HAUGEN FIFIELD GOODMAN HAWKINS FISH CREEK GORDON HAWTHORNE FLORENCE GOTHAM HAYWARD FOND DU LAC GRAFTON HAZEL GREEN FOND DU LAC GRAND MARSH HAZELHURST FOND DU LAC GRAND VIEW HEAFFORD JUNCTION FONTANA GRANTON HELENVILLE FOOTVILLE GRANTSBURG HERBSTER FOREST JUNCTION GRATIOT HERTEL FORESTVILLE GREEN BAY HEWITT FORT ATKINSON GREEN BAY HIGH BRIDGE FOUNTAIN CITY GREEN BAY HIGHLAND FOX LAKE GREEN BAY HILBERT FOXBORO GREEN BAY HILLPOINT FRANCIS CREEK GREEN BAY HILLSBORO FRANKLIN GREEN BAY HINGHAM FRANKSVILLE GREEN BAY HIXTON FREDERIC GREEN BAY HOLCOMBE FREDONIA GREEN BAY HOLLANDALE FREEDOM GREEN BAY HOLMEN FREMONT GREEN BAY HONEY CREEK FRIENDSHIP GREEN LAKE HORICON FRIESLAND GREEN VALLEY HORTONVILLE GALESVILLE GREENBUSH HOULTON GALLOWAY GREENDALE HUBERTUS GAYS MILLS GREENLEAF HUDSON GENESEE DEPOT GREENVILLE HUMBIRD GENOA GREENWOOD HURLEY GENOA CITY GRESHAM HUSTISFORD GERMANTOWN HAGER CITY HUSTLER GILE HALES CORNERS INDEPENDENCE GILLETT HAMMOND IOLA GILMAN HANCOCK IOLA GILMANTON HANNIBAL IRMA Code Territory GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

21 Code Name Code Territory Code Name Code Territory Code Name IRON BELT LA POINTE MADISON IRON RIDGE LA VALLE MADISON IRON RIVER LAC DU FLAMBEAU MADISON IXONIA LADYSMITH MADISON JACKSON LAKE DELTON MADISON JANESVILLE LAKE GENEVA MADISON JANESVILLE LAKE MILLS MADISON JANESVILLE LAKE NEBAGAMON MADISON JANESVILLE LAKE TOMAHAWK MADISON JEFFERSON LAKEWOOD MADISON JIM FALLS LANCASTER MADISON JOHNSON CREEK LAND O LAKES MADISON JUDA LANNON MADISON JUMP RIVER LAONA MADISON JUNCTION CITY LARSEN MADISON JUNEAU LEBANON MADISON KANSASVILLE LENA MADISON KAUKAUNA LEOPOLIS MADISON KELLNERSVILLE LIME RIDGE MADISON KENDALL LINDEN MADISON KENNAN LITTLE CHUTE MADISON KENOSHA LITTLE SUAMICO MADISON KENOSHA LIVINGSTON MADISON KENOSHA LODI MADISON KENOSHA LOGANVILLE MADISON KENOSHA LOMIRA MADISON KESHENA LONE ROCK MADISON KEWASKUM LONG LAKE MADISON KEWAUNEE LOWELL MAIDEN ROCK KIEL LOYAL MALONE KIELER LUBLIN MANAWA KIMBERLY LUCK MANITOWISH WATERS Code Territory KING LUXEMBURG MANITOWOC KINGSTON LYNDON STATION MANITOWOC KNAPP LYONS MAPLE KOHLER MADISON MAPLEWOOD KRAKOW MADISON MARATHON LA CROSSE MADISON MARENGO LA CROSSE MADISON MARIBEL LA CROSSE MADISON MARINETTE LA FARGE MADISON MARION JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.21

22 Code Name Code Territory Code Name Code Territory Code Name MARKESAN MILWAUKEE MONROE MARQUETTE MILWAUKEE MONTELLO MARSHALL MILWAUKEE MONTFORT MARSHFIELD MILWAUKEE MONTICELLO MARSHFIELD MILWAUKEE MONTREAL MARSHFIELD MILWAUKEE MORRISONVILLE MASON MILWAUKEE MOSINEE MATHER MILWAUKEE MOUNT CALVARY MATTOON MILWAUKEE MOUNT HOPE MAUSTON MILWAUKEE MOUNT HOREB MAYVILLE MILWAUKEE MOUNT STERLING MAZOMANIE MILWAUKEE MOUNTAIN MC FARLAND MILWAUKEE MUKWONAGO MC NAUGHTON MILWAUKEE MUSCODA MEDFORD MILWAUKEE MUSKEGO MELLEN MILWAUKEE NASHOTAH MELROSE MILWAUKEE NECEDAH MENASHA MILWAUKEE NEENAH MENOMONEE FALLS MENOMONEE FALLS Code Territory MILWAUKEE NEENAH MILWAUKEE NEILLSVILLE MENOMONIE MILWAUKEE NEKOOSA MEQUON MILWAUKEE NELSON MERCER MILWAUKEE NELSONVILLE MERRILL MILWAUKEE NEOPIT MERRILLAN MILWAUKEE NEOSHO MERRIMAC MILWAUKEE NESHKORO MERTON MILWAUKEE NEW AUBURN MIDDLETON MILWAUKEE NEW BERLIN MIKANA MILWAUKEE NEW BERLIN MILLADORE MILWAUKEE NEW FRANKEN MILLSTON MILWAUKEE NEW GLARUS MILLTOWN MILWAUKEE NEW HOLSTEIN MILTON MILWAUKEE NEW HOLSTEIN MILWAUKEE MILWAUKEE NEW LISBON MILWAUKEE MILWAUKEE NEW LONDON MILWAUKEE MINDORO NEW MUNSTER MILWAUKEE MINERAL POINT NEW RICHMOND MILWAUKEE MINOCQUA NEWBURG MILWAUKEE MINONG NEWTON MILWAUKEE MISHICOT NIAGARA MILWAUKEE MONDOVI NICHOLS GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

23 Code Name Code Territory Code Name Code Territory Code Name NORTH FREEDOM PESHTIGO RACINE NORTH LAKE PEWAUKEE RACINE NORTH PRAIRIE PHELPS RACINE NORWALK PHILLIPS RACINE OAK CREEK PHLOX RADISSON OAKDALE PICKEREL RANDOLPH OAKFIELD PICKETT RANDOLPH OCONOMOWOC PIGEON FALLS RANDOM LAKE OCONTO PINE RIVER READFIELD OCONTO FALLS PITTSVILLE READSTOWN ODANAH PLAIN REDGRANITE OGDENSBURG PLAINFIELD REEDSBURG OGEMA PLATTEVILLE REEDSBURG OJIBWA PLEASANT PRAIRIE REEDSVILLE OKAUCHEE PLOVER REESEVILLE OMRO PLUM CITY REWEY ONALASKA PLYMOUTH RHINELANDER ONEIDA POPLAR RIB LAKE ONTARIO PORT EDWARDS RICE LAKE OOSTBURG PORT WASHINGTON Code Territory RICHFIELD OREGON PORT WING RICHLAND CENTER ORFORDVILLE PORTAGE RIDGELAND OSCEOLA PORTERFIELD RIDGEWAY OSHKOSH POTOSI RINGLE OSHKOSH POTTER RIO OSHKOSH POUND RIPON OSHKOSH POWERS LAKE RIVER FALLS OSHKOSH POY SIPPI ROBERTS OSSEO POYNETTE ROCHESTER OWEN PRAIRIE DU CHIEN ROCK FALLS OXFORD PRAIRIE DU SAC ROCK SPRINGS PACKWAUKEE PRAIRIE FARM ROCKLAND PALMYRA PRENTICE ROSENDALE PARDEEVILLE PRESCOTT ROSHOLT PARK FALLS PRESQUE ISLE ROTHSCHILD PATCH GROVE PRINCETON RUBICON PEARSON PULASKI RUDOLPH PELICAN LAKE RACINE SAINT CLOUD PELL LAKE RACINE SAINT CROIX FALLS PEMBINE RACINE SAINT GERMAIN PEPIN RACINE SAINT NAZIANZ JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.23

24 Code Name Code Territory Code Name Code Territory Code Name SALEM SPRING GREEN TOWNSEND SAND CREEK SPRING VALLEY TREGO SARONA SPRINGBROOK TREMPEALEAU SAUK CITY SPRINGFIELD TREVOR SAUKVILLE STANLEY TRIPOLI SAXEVILLE STAR LAKE TUNNEL CITY SAXON STAR PRAIRIE TURTLE LAKE SAYNER STETSONVILLE TWIN LAKES SCANDINAVIA STEUBEN TWO RIVERS SCHOFIELD STEVENS POINT UNION CENTER SENECA STEVENS POINT UNION GROVE SEXTONVILLE STEVENS POINT UNITY SEYMOUR STITZER UPSON SHARON STOCKBRIDGE VALDERS SHAWANO STOCKHOLM VAN DYNE SHEBOYGAN STODDARD VERONA SHEBOYGAN STONE LAKE VESPER SHEBOYGAN STOUGHTON VIOLA SHEBOYGAN FALLS STRATFORD VIROQUA SHELDON STRUM WABENO SHELL LAKE STURGEON BAY WALDO SHERWOOD STURTEVANT WALES SHIOCTON SUAMICO WALWORTH SHULLSBURG SULLIVAN WARRENS SILVER LAKE SUMMIT LAKE WASCOTT SILVER LAKE SUN PRAIRIE WASHBURN SINSINAWA SUN PRAIRIE WASHINGTON ISLAND Code Territory SIREN SUPERIOR WATERFORD SISTER BAY SURING WATERLOO SLINGER SUSSEX WATERTOWN SOBIESKI TAYLOR WATERTOWN SOLDIERS GROVE THERESA WAUKAU SOLON SPRINGS THIENSVILLE WAUKESHA SOMERS THORP WAUKESHA SOMERSET THREE LAKES WAUKESHA SOUTH MILWAUKEE TIGERTON WAUKESHA SOUTH RANGE TILLEDA WAUNAKEE SOUTH WAYNE TISCH MILLS WAUPACA SPARTA TOMAH WAUPUN SPENCER TOMAHAWK WAUSAU SPOONER TONY WAUSAU GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

25 Code Name Code Territory Code Name Code Territory Code Name WAUSAU WHITEHALL WISCONSIN RAPIDS WAUSAUKEE WHITELAW WITHEE WAUTOMA WHITEWATER WITTENBERG WAUZEKA WILD ROSE WONEWOC WEBSTER WILLARD WOODFORD WEST BEND WILLIAMS BAY WOODLAND WEST BEND WILMOT WOODMAN WEST SALEM WILSON WOODRUFF WESTBORO WILTON WOODVILLE WESTBY WINDSOR WOODWORTH WESTFIELD WINNEBAGO WRIGHTSTOWN WEYAUWEGA WINNECONNE WYOCENA WEYERHAEUSER WINTER ZACHOW WHEELER WISCONSIN DELLS ZENDA WHITE LAKE WISCONSIN RAPIDS Code Territory JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.25

26 State Loss Cost Table Liability TABLES Med Pay Limit Limit of Liability $100,000 $1,000 $2,000 $5,000 $10,000 Physical Damage Original Cost New Range $15,001 $20,000 $500 Ded Comp. $500 Ded Coll. Trucks, Tractors, and Trailers Classifications Territory 102 $292 $17 $23 $33 $42 $73 $166 Territory 103 $239 $14 $19 $27 $34 $54 $157 Territory 104 $132 $8 $10 $15 $19 $94 $143 Territory 105 $186 $11 $15 $21 $27 $51 $149 Territory 106 $179 $10 $14 $20 $26 $68 $156 Territory 107 $142 $8 $11 $16 $20 $56 $127 Territory 108 $167 $10 $13 $19 $24 $52 $123 Territory 109 $86 $5 $7 $10 $12 $102 $145 Territory 110 $155 $9 $12 $18 $22 $62 $131 Territory 111 $145 $8 $11 $17 $21 $71 $141 Territory 113 $225 $13 $18 $26 $32 $51 $138 Territory 114 $270 $15 $21 $31 $39 $50 $175 Territory 115 $222 $13 $17 $25 $32 $48 $143 Territory 116 $113 $6 $9 $13 $16 $105 $147 Territory 117 $108 $6 $8 $12 $15 $85 $161 Private Passenger Type Classifications Territory 102 $279 $10 $14 $18 $20 $50 $223 Territory 103 $257 $9 $13 $16 $18 $41 $210 Territory 104 $183 $7 $9 $12 $13 $80 $195 Territory 105 $196 $7 $10 $13 $14 $44 $167 Territory 106 $130 $5 $7 $8 $9 $62 $151 Territory 107 $214 $8 $11 $14 $15 $42 $142 Territory 108 $196 $7 $10 $13 $14 $36 $167 Territory 109 $164 $6 $8 $10 $12 $92 $158 Territory 110 $187 $7 $9 $12 $13 $48 $160 Territory 111 $204 $7 $10 $13 $14 $53 $168 Territory 113 $214 $8 $11 $14 $15 $35 $154 Territory 114 $324 $12 $16 $21 $23 $41 $232 Territory 115 $262 $9 $13 $17 $19 $37 $208 Territory 116 $175 $6 $9 $11 $12 $101 $162 Territory 117 $167 $6 $8 $11 $12 $88 $ GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

27 Combined Single Limit of Liability (000's) Increased Liability Limits Table Heavy Trucks and Truck Tractors Extra Heavy Trucks and Extra Heavy Truck Tractors Light and Medium Trucks All Other Risks , Liability Deductible Factor Table Combined Single Limit Deductible Amount (Other than Zone rated) , , , , LIABILITY FLEET FACTOR TABLE 1.10 JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.27

28 Age Group Factor Table Trucks, Tractors, and Trailers Private Passenger Types Age Group (starts on October 1 st ) Comprehensive Collision Comprehensive Collision Current Model Year st Preceding Model Year nd Preceding Model Year rd Preceding Model Year th Preceding Model Year th Preceding Model Year th Preceding Model Year th Preceding Model Year th Preceding Model Year th Preceding Model Year th Preceding Model Year All Other (11th Preceding Model Year or More) GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012

29 Original Cost New Factor Table Trucks, Tractors, and Trailers Private Passenger Types Price Range Comprehensive Collision Comprehensive Collision $ Each Additional $1000 over $90000* * For autos with an original cost new in excess of $90000 (i) Subtract from the original cost new. (ii) Divide the result by (iii) Multiply by the appropriate "Each Additional $1000 over $90000" factor. (iv) Add the result to the appropriate factor. Deductible Factor Table Trucks, Tractors, and Trailers Private Passenger Types Comprehensive Collision Comprehensive Collision Deductible JAN 2012 GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN 18.29

30 Trucks, Trailers, and Semitrailers capable of dumping their loads and all Truck Tractors Table. Factor 1.25 Physical Damage Fleet Factor Table Other than Collision Collision Uninsured Motorists Coverage Lost Costs Table Other Than Private B.I. Limits Private Passenger Types Per Exposure Passenger Types Per Exposure 100, , , , , , , , , , , ,000, GERMANTOWN MUTUAL INSURANCE COMPANY WISCONSIN JAN 2012