COMMERCIAL LIABILITY. This program contains the rules, classifications, and premiums for the Commercial Liability policy.

Transcription

1 COMMERCIAL LIABILITY General Instructions This program contains the rules, classifications, and premiums for the Commercial Liability policy. Rule I Eligibility 1.1 The owner, partnership, or tenant. 1.2 All risks with some exceptions (contact Company for risks not listed). 1.3 Supporting coverage is required when the home premise is listed as the premise ID. Rule II Ineligible Risks 2.1 Vacant or unoccupied structures (Company option). 2.2 Property which is rundown or where there is considerable rubbish or trash around the premises. 2.3 Buildings in which unapproved heat lamps, portable salamander-type heaters, or similar devices are used. 2.4 All structures having exposed cellular plastic insulation (polystyrene and urethane foamed or rigid). Rule III Policy Writing Procedures 3.1 Commercial Property rules apply. 3.2 Policies are issued on the Occurrence Form (Claims-Made Form is unavailable). 3.3 The Occurrence Form provides claim coverage for: A. Bodily injury, property damage, personal injury, and advertising injury arising from premises/operations in conjunction with the insured s business. B. Bodily injury and property damage arising from products/completed operations in conjunction with the insured s business. 3.4 The Commercial Liability includes the following coverages: A. Premises/Operations Liability B. Products/Completed Operations C. Contractual Liability D. Personal and Advertising Injury CL-1

2 E. Medical Payments F. Fire Damage Legal Liability G. Broad Form Property Damage H. Host Liquor Liability I. Incidental Medical Malpractice J. Non-Owned Watercraft K. Limited Worldwide Liability L. Additional Person Insured M. Extended Bodily Injury N. Automatic Coverage for Newly-Acquired Organizations Rule IV Credits 4.1 Claim Free Credits Claim Free Credits are based on the total policy premium at inception or renewal provided the Policyholder has completed the following: 3 years claim free 5% discount 7 years claim free 8% discount 10 years claim free 10% discount Prior insurance is required for Claim Free Credit Rule V Commercial Rates and Coverage Limits 5.1 The Commercial rates are divided into two major coverage categories: A. Premises/Operations, and B. Products/Completed Operations - Products Coverage may be excluded by endorsement. 5.2 Manual Rates are shown at the following: A. Basic Limits 1. Limits of $100, to $1,000, each occurrence and an aggregate double the occurrence for bodily injury and property damage. a. $100, fire damage legal liability limit. b. $5, per person for medical payments. 2. Limit per person or organization for personal injury or advertising injury. 3. The limits provided under 1. and 2. above are subject to either the General Limit (for other than Products/Completed Operations) or the Products/Completed Operations Limits, whichever is applicable CL-2

3 The Occurrence/Aggregate Limit applies to Premises/Operations and Products/Completed Operations. B. Increased Limits 1. Increased Limits factors for both Premises/Operations and Products/Completed Operations are found in the rate section page CL-6. These factors contemplate that the limit for personal injury and advertising injury will be equal to the occurrence limit selected. The basic fire damage and medical payments limits do not increase with increases in other limits. For increased fire damage or medical payments limits, refer to page CL Separate increased limits tables are applicable for Premises/Operations and Products/Completed Operations. To determine the appropriate assignment refer to the rate section page CL Premium Bases/Commercial Liability Classification Table S = Sales per $1, ($30, minimum) A = Per 1,000 square feet of area P = Per $1, of payroll ($30, minimum) R = Per $1, of receipts ($30, minimum) U = Per unit = per apartment per game per gallon per animal per 1,000 admitted N/A = Not Available N.O.C. = Not Otherwise Classified AC = Per Acre Rule VI Optional Endorsements 6.1 Non-Owned Auto Liability Provides coverage for any auto that is not owned, borrowed, or hired by the insured. Rate for 1-3 Employees $25.00, 4-10 Employees $ Hired Auto Liability Provides coverage for autos leased, borrowed, or hired by the insured. Rate is $20.00 per vehicle. 6.3 Rental Watercraft Coverage for boats you own used by any person or organization provided the actual use is with your permission. Contact Company for rate. Form GL CL-3

4 6.4 Liquor Liability Provides coverage for the selling, serving, or furnishing of alcoholic beverages. A. Limit of Liability $100, each occurrence ; $300, aggregate (per policy period). B. Base premium is $ per location. Additional charges apply for the following: $50.00 for 100% alcohol sales; $50.00 for hours of operations after 12:00 a.m. C. Endorsement base premium is included with qualifying Rural Tavern Program. See B. above for additional charges. Rule VII Auditing of Policies 7.1 When writing the policy, estimate the annual payroll and receipts as close as possible. 7.2 The policyholder will be contacted to establish payroll or receipts for the policy period prior to the anniversary date of the policy. Rule VIII Fire Legal Liability Higher Limits Base is $100, Increase To Additional Premium $ 300, $ $ 500, $ $1,000, $ CL-4

5 GENERAL LIABILITY RATES For higher BI and PD limits use the tables below. All limits are expressed in thousands of dollars. Minimum premiums apply per policy. Payroll: For premium computation, use $30, as basis for executive offices (Insureds and Partners). Sales: For premium computation, $30, minimum. Premises/Operations INCREASED LIMIT FACTORS Limit Minimum Minimum Minimum Table 1 Table 2 Table 3 BI & PD Premium Premium Premium 100 / / / 1, ,000 / 2, Products/Completed Operations Limit Minimum Table A BI & PD Premium 100 / / / 1, ,000 / 2, INCREASED LIMITS MEDICAL PAY TO PUBLIC 100, , ,000 1,000,000 10, , , Additional Insured $ per insured LIABILITY DEDUCTIBLE Circumstances may dictate that to provide coverage on some risks, a liability deductible is necessary. Deductibles may be requested from $1, to $10, (contact Company for availability and rate) CL-5

6 32500 (P) 2A Advertising Sign Companies Outdoor Including Products/Completed Work (S) 2A Air Conditioning Equipment Retail or Wholesale only (P) 2A Air Conditioning Systems, Installation, Service, or Repair (P) Alarms and Alarm Systems (S) Amusement Centers (S) 2A Antique Stores (U) Apartment Buildings One or Two Units (U) Apartment Buildings Three Units (U) Apartment Buildings Four Units (P) 1A Appliance and Accessories Installation, Service, or Repair (S) 1A Appliance Stores (S) Archery Ranges N.O.C (U) Athletic Games Coverage is Excluded for Participants (Attach Endorsement GL-202) (P) Auctioneers (S) 2A Auto Parts & Supplies Retail (S) Auto Quick Lubrications Services - if Hoist (Attach Endorsement GL-864) (S) 2A Auto Repair or Service Shop - if Hoist (Attach Endorsement GL-864) (P) Awning, Tent, or Canvas Goods Erection, Removal or Repair (S) 1A Bakeries (S) 1A Barber Shops (S) 1A Beauty Salons (S) 2A Beverage Stores Liquor or Wine CL-6

7 21040 (S) 2A Bicycle Shops Sales & Service (S) Bicycles Rented to Others (P) Blacksmithing (U) Boarding or Rooming Houses (P) 3A Boat Repair and Servicing (S) 2A Boat Sales (S) Boat Storage Moorage (S) Boat Canoes or Rowboats for Hire (S) Bookbinding (S) Book and Magazine Stores (S) Bowling Centers (S) 2A Building Material Dealers New Only (A) Buildings Banks, Office, Mercantile, or Manufacturing Lessors Risk Only (A) Buildings or Premises Office Occupied by Insured (P) Cable and Related Equipment (S) 2A Camera and Photographic Equipment Stores (S) Campgrounds (S) 1A Candy or Confectionery Stores (includes candy or confectionery manufacturing at the same location as the store if the products are sold principally in store) (S) 2A Car Washes Not Self Service (S) 1A Car Washes Self Service (P) 2A Carpentry Construction of Dwellings Three Stories and Under * (P) 2A Carpentry Interior * * Contact Home Office for Approval CL-7

8 31525 (P) 3A Carpentry N.O.C. * (P) 3A Carpentry Shop Only * (P) 1A Carpet, Rug, Furniture, or Upholstery Cleaning (S) 1A Caterers (AC) Cemeteries (S) Chairs Rented to Others (P) Chimney Cleaning (P) Churches Including Dwellings Occupied by Clergy (P) Cleaning Outside Surfaces of Buildings No Sandblasting (S) Clothing or Wearing Apparel Stores Including Army or Navy (A) Clubs Civic, Service, or Social (S) 2A Clubs Country and Golf (A) Clubs Horseback Riding, add Club Members as Additional Insureds GL-844 Guest-Riding Instruction or Hiring of Horses is Not Included (S) Cold Storage Lockers Coverage for Property Damage to Property Entrusted to the Insured is Excluded by Endorsement GL (S) Collectibles and Memorabilia Stores No Antiques (P) Computer Consulting or Programming (P) 1A Computer Service and Repair (S) 2A Computer Stores (S) 1A Concessionaires (P) 3A Concrete Construction * Contact Home Office for Approval CL-8

9 27065 (U) Condominiums Residential add Endorsement GL- 160 Additional Insured (A) Condominiums Commercial, Banks, Mercantile, Office add Endorsement GL-160 Additional Insured (A) Condominiums Commercial Warehouses add Endorsement GL-160 Additional Insured (P) Consultants Do not include Architectural, Engineering, Legal, Medical, or Computer Consulting (P) Contractors N.O.C. No Subcontractors and/or General Contractors * (S) Contractors Equipment and Earth Moving Equipment except Cranes, Derricks, and Power Shovels Rented to Others * (A) Convents and Monasteries (S) 3A Copying and Duplicating Services Retail (S) Crematories Professional Services Excluded (P) Crop Spraying (Attach Endorsement GL-0891) (S) Custom Farming Excludes Spraying (S) 2A Dairy Products Store (S) Dance Hall No Table, Schools, or Services (P) Debris Removal (S) 2A Delicatessen No Consumption on Premises (S) 2A Department or Discount Stores (P) 2A Door and Window Installation (S) 1A Drugstores (P) 1A Driveway, Parking Area, or Sidewalk Paving or Repaving * Contact Home Office for Approval CL-9

10 32569 (P) 2A Drywall or Wallboard Installation (S) Dude Ranches Rate Separate Horse Riding, Beaches, Swimming Pools, Shooting Ranges, and Boats (U) Dwelling per Unit One Family Lessors Risk (U) Dwelling Two Family Lessors Risk (U) Dwelling Three Family Lessors Risk (U) Dwelling Four Family Lessors Risk (U) Dwellings Additional Charge for Incidental Business (P) 2A Electric Apparatus Installation, Service, Repair (P) 2A Electrical Work Interior (P) Engraving (S) 2A Equipment, Fixtures, Supplies (S) 2A Electronic Stores (P) 2A Excavation N.O.C. * (A) Exhibition or Convention Buildings (A) Exhibitions (S) Exterminators (S) Fabric Stores (AC) 1A Farms Less than 160 Acres (S) 1A Farms 160 Acres to 500 Acres (AC) 1A Farms More than 500 Acres (P) 1A Farm Machinery Operations by Contractors (S) 1A Farm Products (S) 1A Farms, Fruits, and Vegetables * Contact Home Office for Approval CL-10

11 35585 (S) 1A Fence Retail (P) 2A Fence Erection (S) 1A Fertilizer Retail and Wholesale (U) Fishing Piers (S) Fishing Pond or Lakes Include Rental of Boats No Motors (P) 2A Floor Covering Installation (S) 1A Floor Covering Stores (P) Floor Waxing (S) Florists (P) Forestry Service Operations (S) 1A Forging Work N.O.C (S) 1A Fruit and Vegetable Retail (S) 2A Fuel Dealers Coal or Wood (S) 2A Fur or Pelt Processing (S) 1A Furniture or Woodworking, Stripping, Refinishing, or Repair Shop Only (S) 1A Furniture Stores (P) Garbage, Ash, or Refuse Collecting (U) 2A Gas Stations Full and Self Service Per 1,000 Gallons (S) 2A Gift Shops (S) Golf Courses (S) Golf Driving Ranges (S) Golf Mobiles Rented to Others (P) Grading of Land CL-11

12 35058 (P) 3A Grain Elevator Operation (U) Grazing Animals (P) 2A Greenhouse or Hot House Erection (S) 1A Grocery Stores (S) Guides or Outfitters (P) 2A Gunsmiths (A) Halls (P) 3A Handyman (S) 1A Hardware Stores (S) 1A Hay, Grain, or Feed Retail (S) Health or Exercise Facilities (S) Health or Natural Food Stores (S) 1A Hearing Aid Service Stores (P) 2A Heating and Air Conditioning (S) 2A Hobby, Artist Supply Store (S) 2A Home Improvement Stores (A) Hotels and Motels Lessors Risk Less than Four Stories (A) Hotels and Motels Lessors Risk Four Stories or More (S) Hotels or Motels with Pool or Beaches (P) 1A House Furnishings Installation (P) 1A Ice Cream Stores (S) Ice Retail and Wholesales (U) Indoor Exhibitions Athletic & Sports Contents Indoors CL-12

13 32638 (P) 2A Insulation Work (A) Insurance Agents Office (P) 1A Interior Decorating (P) Irrigation Systems (P) Janitorial Services (S) 2A Janitorial Supplies Retail or Wholesale (S) 1A Jewelry Retail or Wholesale (U) Kennels (P) Landscape (S) 1A Large Grocery Stores (S) 1A Laundries For Products (Attach Endorsement GL- 0897) (S) Laundries and Dry Cleaners Self Service To Exclude Property Damage Endorsement GL (P) Lawn Care Service (A) Lawyers Offices Personal Injury Excluded (Attach Endorsement GL-905) (A) Libraries (S) 2A Liquor and Wine Stores (S) 2A Livestock Sales Companies (S) 2A Locksmiths (S) 3A Machinery Yard or Garden (S) 2A Machinery Farm & Construction No Service or Repair (P) 3A Machine Shop (P) 3A Machinery Farm Servicing, Repair Erection CL-13

14 35675 (S) 3A Machinery or Equipment N.O.C (S) Markets Lessors Risk (P) 3A Masonry (A) Mausoleums (S) 2A Meat, Fish, Poultry, Seafood Processing (P) 1A Metal Erection (S) 2A Milk Depots or Dealers (S) 2A Miniature Golf Courses (S) Mobile Home Parks or Courts (U) Movie Theatres (S) 2A Music Stores (S) 2A Musical Instrument Stores (S) 1A Nursery Garden Stores (S) 2A Optical Stores (P) 3A Orchards and Vineyards (P) 2A Painting Exterior Three Stories or Less (P) 2A Painting Exterior Four Stories or More (P) 2A Painting Interior (S) 2A Painting or Wallpaper Stores (S) 2A Painting, Picture, or Framing Stores (P) 2A Paper Hanging (A) Parking Public Lessors Risk (A) Parking Public (A) Parking Private CL-14

15 28305 (U) 2A Parks or Playgrounds (S) Pet Grooming (S) 2A Pet Stores (S) 2A Photo Finishing Labs (S) Photographers (This Class Includes Studios) (P) 2A Plumbing Commercial (P) 2A Plumbing Residential (S) 2A Plumbing Supplies & Fixtures (P) Real Estate Agents (U) 2A Real Estate Development Property (AC) Real Estate Property Managed (S) 2A Recreational Vehicle Dealers (S) 2A Refrigeration Equipment Retail and Wholesale Only (P) 2A Refrigeration Repair and Service (S) Rental Stores N.O.C (S) 2A Restaurants Alcohol Less than 75% without Dance Floor (S) 2A Restaurants Alcohol Less than 75% with Dance Floor (S) 2A Restaurants Alcohol More than 75% without Dance Floor (S) 2A Restaurants Alcohol More than 75% with Dance Floor (S) 3A Restaurants Refreshment Stand or Drive Inn s (S) 3A Restaurants Self Service or Self Ordering Including Cafeterias & Smorgasbords CL-15

16 20055 (S) 1A Retail Groceries N.O.C (U) Riding Academies Include Instruction, Stables, and Stalls Per Animal (U) Rifle or Pistol Ranges N.O.C. Outdoors Per Person (U) Rifle or Pistol Ranges N.O.C. Indoors Per Person (P) 2A Roofing Commercial (P) 2A Roofing Residential (S) Rummage Sales By Organizations (S) 2A Rural Taverns Alcohol More than 75% without Dance Floor (S) 1A Second Hand Stores (P) Security and Patrol Agencies (U) 2A Self Service Retail Gas Stations Per 1,000 Gallons (S) 2A Shoe Repair, Shoe Shining (S) 2A Shoe & Leather Goods (A) Shopping Centers Lessors Risk (P) 3A Siding Installation (P) 3A Sign Erection, Installation, Service, and/or Repair (P) 3A Sign Painting and Lettering Interior (P) 2A Sign Painting or Lettering Outside (S) 1A Sporting Goods Stores (P) Stables, Boarding, Livery, or Racing Premises Coverage Only (S) 2A Stationary or Paper Products Stores (S) 2A Stores No Food or Drink N.O.C (P) 2A Street Cleaning Including Snow Removal

17 01-14 CL-16 WISCONSIN GENERAL LIABILITY RATES (P) Swimming Pool Servicing, Installation, and Repair (S) 1A Tailoring or Dressmaking (S) Tanning Animal Hides (S) 2A Taxidermists (S) Tents or Canopies Loaned or Rented (S) 2A Towels, Uniforms, Linens, Diapers, Infant Apparel Rental (S) 2A Toy Stores (P) 1A Upholstering Off Premises (P) 1A Upholstering Shop Only (AC) Vacant Land (P) 1A Variety Stores (S) 2A Vending Machine Operations (S) 2A Video Stores (P) Warehouses N.O.C (S) Warehouses Mini CL-17