Increased Limit Subline Table Assignment Minimum Premium Premises/Operations 1 $ 75 2 $100 3 $150 Products/Completed Operations A $ 75
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1 RULES 1. APPLICATION OF THIS DIVISION The following is added to Paragraph D.3.: D.3. Loss Cost Conversion To convert the loss costs shown in this division to Oregon Mutual Insurance Company rates, multiply by the appropriate Loss Cost Multiplier as shown below: General Liability Loss Cost Multiplier: Premises Operations Owners and Contractors Products Completed Operations The following paragraph is added: F. Loss Cost Edition ISO Loss Cost Pages modified by this manual have an edition date of POLICY WRITING MINIMUM PREMIUM The following paragraph is added: C. Contracting or Servicing (Codes & ) written on Claims Made policies. Years in Claims-Made Minimum 1 $ $ $ $ $ MINIMUM PREMIUMS The following is added to Paragraph B.2.: B.2. Minimum s apply as follows: Increased Limit Subline Table Assignment Minimum Premises/Operations 1 $ 75 2 $100 3 $150 Products/Completed Operations A $ 75 The following is added to Paragraph E.1.: B $150 C $200 E.1. This special combined Minimum for the classifications specified is $100. April 2015 Idaho CG-E-1
2 23. COMPANY RATES OR ISO LOSS COSTS Rule 23.G. is replaced by the following: G. Claims Made Multipliers 25. CLASSIFICATIONS Class code Description Loss Cost Wine manufacturing still or sparkling Table 25.C.3. Wine Manufacturing Still or Sparkling Premises/Operations Products/Completed Operations Year in Claims Made Codes & All Other All Codes Codes Codes or more SPECIAL RULES APPLICABLE TO THE CLAIMS-MADE COVERAGE FORM M2657L Rule 33. A. 4. is replaced by the following: A. Extended Reporting Periods 4. The premium for the Supplemental Extended Reporting Period Endorsement will be the final year's premium for the general liability coverage being terminated multiplied by the appropriate factor in the table below. This premium will be fully earned when the Endorsement takes effect. Premises/Operations Products/Completed Operations Year in Codes & All Other Claims Made All Codes Codes Codes or more DESCRIPTION OF ADDITIONAL OPTIONAL ENDORSEMENTS The following additional optional endorsements are added: A. Additional Optional Endorsements 1. Motels (M2752L) The loss cost charge for this endorsement is $ Motels Liability For Guests' Property In Safe Deposit Boxes (M2753L) The loss cost charge for this endorsement is $ EMPLOYEE BENEFIT LIABILITY (Statistical Class Code 92100) D. Loss Costs: $.05 Per Employee Minimum : $65.00 CG-E-2 Idaho April 2015
3 55. TERRORISM ENDORSEMENT OPTIONS 1. Determination The following table is added: Type Exposure Classes Entire State TRIA Above Average.009 Average.004 ADDITIONAL OREGON MUTUAL RULES ADDITIONAL OREGON MUTUAL RULE 1. FUNERAL DIRECTORS', MORTICIANS' AND CEMETERIES PROFESSIONAL LIABILITY Funeral Directors and Morticians loss costs and minimum premium for basic limits of $100,000 per claim/ $200,000 Aggregate (Statistical Class Code 72610). The following paragraphs are added: shall be based on total annual number of bodies. The following are loss costs: First 100 bodies Next 200 bodies Next 300 bodies Next 400 bodies Over 1000 bodies $.25 each $.11 each $.07 each $.05 each $.04 each Minimum $ Cemetery Professional Liability loss costs and minimum premium for basic limits of $100,000 per claim/ $200,000 Aggregate shall be based on: (a) the total number of deceased human bodies already buried (Statistical Class Code 6555A) in the insured's cemetery at the effective date of the policy, at a loss cost of.003 for each of the first 5,000 bodies and at a loss cost of.001 for all bodies in excess of 5,000 except where the insured is a religious or charitable entity, disregard burials older than fifty years; and (b) the total number of such bodies to be buried or removed (Statistical Class Code 6555B) from such burial during the policy period, at the following loss costs: First 100 bodies Next 200 bodies Next 300 bodies Next 400 bodies Over 1000 bodies $.14each $.11 each $.07 each $.05 each $.04 each The annual minimum premium for each distinct cemetery location shall be $27.00 at basic limits. Endorsement: M2299L Funeral Directors', Morticians' and Cemeteries Professional Liability ADDITIONAL OREGON MUTUAL RULE 2. COMMERCIAL GENERAL LIABILITY EXPERIENCE AND SCHEDULE RATING PLAN The following paragraph is added: The Expected Loss Ratio to be used for Rule 2.D. of the Commercial General Liability Experience And Schedule Rating Plan is 52.5%. April 2015 Idaho CG-E-3
4 ADDITIONAL OREGON MUTUAL RULES (Cont.) ADDITIONAL OREGON MUTUAL RULE 3. FIXED EXPENSE CREDIT Multiply the final policy premium by the factor from the following table corresponding to the amount of the policy premium. Under 1, ,736-1, ,454-2, ,183-4, ,350-1, ,747-1, ,476-2, ,247-4, ,357-1, ,758-1, ,498-2, ,313-4, ,363-1, ,769-1, ,520-2, ,380-4, ,370-1, ,780-1, ,543-2, ,450-4, ,377-1, ,792-1, ,567-2, ,522-4, ,383-1, ,804-1, ,590-2, ,597-4, ,390-1, ,815-1, ,615-2, ,674-4, ,397-1, ,827-1, ,639-2, ,754-4, ,404-1, ,839-1, ,665-2, ,836-4, ,411-1, ,851-1, ,690-2, ,921-5, ,419-1, ,864-1, ,717-2, ,010-5, ,426-1, ,876-1, ,743-2, ,102-5, ,433-1, ,889-1, ,771-2, ,197-5, ,441-1, ,902-1, ,798-2, ,295-5, ,448-1, ,915-1, ,827-2, ,398-5, ,456-1, ,928-1, ,856-2, ,504-5, ,463-1, ,942-1, ,885-2, ,615-5, ,471-1, ,955-1, ,915-2, ,731-5, ,479-1, ,969-1, ,946-2, ,851-5, ,487-1, ,983-1, ,978-3, ,976-6, ,494-1, ,997-2, ,010-3, ,107-6, ,503-1, ,012-2, ,042-3, ,244-6, ,511-1, ,026-2, ,076-3, ,387-6, ,519-1, ,041-2, ,110-3, ,536-6, ,527-1, ,056-2, ,145-3, ,693-6, ,536-1, ,071-2, ,181-3, ,858-7, ,544-1, ,087-2, ,218-3, ,031-7, ,553-1, ,102-2, ,256-3, ,213-7, ,561-1, ,118-2, ,294-3, ,404-7, ,570-1, ,135-2, ,333-3, ,606-7, ,579-1, ,151-2, ,374-3, ,820-8, ,588-1, ,168-2, ,415-3, ,045-8, ,597-1, ,185-2, ,457-3, ,284-8, ,606-1, ,202-2, ,501-3, ,538-8, ,616-1, ,220-2, ,545-3, ,808-9, ,625-1, ,237-2, ,591-3, ,095-9, ,635-1, ,255-2, ,638-3, ,401-9, ,644-1, ,274-2, ,686-3, ,730-10, ,654-1, ,292-2, ,735-3, ,081-10, ,664-1, ,311-2, ,786-3, ,460-10, ,674-1, ,331-2, ,838-3, ,867-11, ,684-1, ,350-2, ,891-3, ,308-11, ,694-1, ,370-2, ,946-4, ,786-12, ,704-1, ,391-2, ,003-4, ,306-12, ,715-1, ,411-2, ,061-4, ,874-13, ,725-1, ,432-2, ,121-4, ,498-14, Table 3. Fixed Expense Credit CG-E-4 Idaho April 2015
5 ADDITIONAL OREGON MUTUAL RULES (Cont.) ADDITIONAL OREGON MUTUAL RULE 3. FIXED EXPENSE CREDIT (Cont.) 14,184-14, ,945-15, ,791-16, ,739-17, ,809-19, ,024-20, ,417-22, ,030-23, ,920-26, ,166-28, ,876-32, ,212-36, ,420-41, ,893-49, ,302-59, ,895-76, , , , , , , ,039 and over.793 Table 3. Fixed Expense Credit ADDITIONAL OREGON MUTUAL RULE 5. PACKAGE MODIFICATION FACTORS From CLM Division Package Modification Assignment Policy Type Code Six Liability Apartment House Contractors Industrial & Processing Institutional Mercantile Motel/Hotel Office Service Table 5. Package Modification s April 2015 Idaho CG-E-5
6 ADDITIONAL OREGON MUTUAL RULES (Cont.) ADDITIONAL OREGON MUTUAL RULE 6 WINERY SPECIAL EVENTS Description/Number of Special None Winery does no special events annually Minimal Winery has 12 or fewer special events annually Slight Winery with > than 12 but no more than 24 special events annually Moderate Winery with greater than 24 and no more than 50 special events annually High Winery with greater than 50 and no more than 100 special events annually $1M/$2M Winery with NO Table 6. Winery Special s $2M/$4M Winery with NO No Charge $1M/$2M Winery with $2M/$4M Winery with $45 $50 $230 $245 $135 $145 $650 $695 $280 $295 $1,320 $1,410 $1,255 $1,345 $4,610 $4,925 CG-E-6 Idaho April 2015
The following paragraph is added: F. Loss Cost Edition ISO Loss Cost Pages modified by this manual have been approved by California as of 5-13.
COMPANY EXCEPTION PAGES RULES 1. APPLICATION OF THIS DIVISION The following is added to Paragraph D.3.: D.3. Loss Cost Conversion To convert the loss costs shown in this division to Oregon Mutual Insurance
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