OREGON MUTUAL INSURANCE COMPANY PERSONAL UMBRELLA POLICY PROGRAM INDEX
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1 INDEX UMBRELLA PROGRAM TERRITORIES General Description... UP-1 Application... UP-1 Change Procedures... UP-1 Cancellation of Insurance... UP-1 Rounding Rule... UP-1 Binding Authority... UP-2 Ineligible Exposures... UP-2 General Program Offering... UP-2 Charges and Rates For Certain Personal Umbrellas Basic Charge... UP-3 Personal Umbrella (not farm risks) Credits For Self-Insured Retention Increase... UP-3 Personal Lines Umbrella Increased Limits and Minimum Premium... UP-4 Territory Location Zip Codes... T-1-2 December 2017 Oregon Index-i
2 GENERAL DESCRIPTION The following information is a general description. You should refer to the policy for an explanation of definitions, terms, limitations, and exclusions. The Personal Umbrella provides excess liability coverage over and above the limit provided by the underlying personal line policies. First dollar defense coverage is provided. We offer the Personal Umbrella so that the insured may purchase higher liability limits needed. In order to keep our underwriting costs down and retain underwriting control, we require that we write all of the eligible underlying coverage in the Oregon Mutual Group. If any of the underlying coverage requirements cannot be met, it may be possible to issue an Umbrella on a limited basis. We will normally either exclude the coverage that is not in our underlying or provide coverage on a following form basis as listed in the Schedule of Underlying. It may take extra time to make the necessary arrangements with our reinsurers before we can bind coverage if Oregon Mutual Group is not providing the underlying insurance. APPLICATION We must have fully completed applications. Even though we write the underlying coverage, the Umbrella application must be completed in detail and signed by the prospective policyholder. Completion of the application does not bind coverage. All Umbrellas are written on a one-year policy basis. CHANGE PROCEDURES Additional motor vehicles, drivers, property, watercraft or liability exposures must be reported as soon as practicable but no later than the annual anniversary. CANCELLATION OF INSURANCE If the company or insured cancels the policy, the earned premium will be computed on a pro-rata basis. ROUNDING RULE All premiums shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents or more shall be rounded to the next higher whole dollar. December 2017 Oregon UP-1
3 BINDING AUTHORITY Umbrella.... $1,000,000 INELIGIBLE EXPOSURES 1. Any automobile, snowmobile, or watercraft used for organized racing, stunt, speed, exhibition or demolition activity. 2. Any owned or non-owned aircraft or balloon exposure. 3. Any person who has been sued for libel or slander or has had unfavorable newspaper or comparable publicity. 4. Any risk whose primary coverage is issued by any carrier with a Best's Policyholder's Rating of less than A. 5. Any farming or business exposure other than incidental exposures. 6. Any watercraft with a combined engine rating speed over 45 MPH and any boat over 40 feet in length. 7. Jet boats, jet skis, wave runners, jet drives, and airboats. 8. Labor Union officials. 9. Newspaper reporters, editors or publishers. 10. Public lecturers or authors. 11. Risks that cannot be covered under a personal lines policy. 12. Risks with more than four rental units. 13. Target risks such as: actors, actresses, television and radio personalities, broadcasters or telecasters, professional athletes, entertainers, celebrities, and foreign residents living in this country temporarily. 14. We cannot insure trail bikes, ATVs, dirt bikes, dune buggies, or other similar recreational vehicles under the Personal Umbrella policy. These vehicles are to be identified on the application so that the policy can be issued with the exclusion of these vehicles. 15. Any person with a listed operator automobile policy or automobile policy with a named driver exclusion. GENERAL PROGRAM OFFERING 1. Minimum self-insured retention - $ Underlying limits requirements: a. Automobile, Motorcycle, and Licensed Recreational Vehicle Liability $250,000/$500,000 BI and $100,000 PD or $500,000 CSL minimum. b. Personal and Premises Liability - $300,000 CSL c. Unlicensed Recreational Vehicle Liability - $300,000 CSL. d. Watercraft Liability - $300,000 CSL. UP-2 Oregon December 2017
4 RATING TERRITORIES The rating territory is assigned by zip code. See territory section. CHARGES AND RATES FOR CERTAIN PERSONAL UMBRELLAS BASIC CHARGE Territory I Annual Premium Territory II 500/ / / /500 The basic Personal Umbrella charge includes the $115 $165 $130 $187 charge for the insured's primary residence and one private passenger auto. In Addition to the Basic Premium Charge 1. Each additional automobile or motorhome $33 $48 $39 $57 2. Recreational vehicle $33 $33 $39 $39 3. Motorcycle $38 $55 $38 $55 4. Youthful drivers (operator under 25 years of age) $41 $86 $47 $99 5. Each additional owner occupied dwelling $10 $10 $10 $10 6. Each one family dwelling rented to others $12 $12 $12 $12 7. Each two family dwelling rented to others $18 $18 $18 $18 8. Each three family dwelling rented to others $30 $30 $30 $30 9. Each four family dwelling rented to others $40 $40 $40 $ Incidental office exposure (Refer to Company) $27 $27 $27 $ Business pursuits (Refer to Company) $27 $27 $27 $ Incidental Farming (Refer to Company) $27 $27 $27 $ Each watercraft 26 feet or under in length $23 $23 $23 $ Each watercraft over feet in length $58 $58 $58 $58 (Refer to Company) 15. Each watercraft over feet in length $117 $117 $117 $117 (Refer to Company) PERSONAL UMBRELLA (not farm risks) CREDITS FOR SELF-INSURED RETENTION INCREASE Higher SIRs are available for the Personal Umbrella for a reduction in premium: SIR Annual Credit $ 500 $2 $1,000 $3 $2,000 $4 $5,000 $5 December 2017 Oregon UP-3
5 PERSONAL LINES UMBRELLA INCREASED LIMITS AND MINIMUM PREMIUM Limit of Liability Increased Limit Factor 500/500 Minimum Premium 250/500 Minimum Premium $1,000, $115 Terr. 1, $130 Terr. 2 $165 Terr. 1, $187 Terr. 2 $2,000,000 * 1.75 $200 All Terr. $200 All Terr. $3,000,000 * 2.25 $270 All Terr. $270 All Terr. $4,000,000 * 2.75 $340 All Terr. $340 All Terr. $5,000,000 * 3.25 $410 All Terr. $410 All Terr. *Prior approval required. UP-4 Oregon December 2017
6 TERRITORY LOCATION ZIP CODES Zip Code Terr Zip Code Terr Zip Code Terr Zip Code Terr Zip Code Terr July 2016 Oregon T-1
7 TERRITORY LOCATION ZIP CODES Zip Code Terr Zip Code Terr Zip Code Terr Zip Code Terr Zip Code Terr July 2016 Oregon T-2
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