Name and Address Reporting for POC

Transcription

1 Name and Address Reporting for POC January 30 February 2, 2018 Palm Beach County Convention Center West Palm Beach, FL The Path to Data Excellence

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3 Name and Address Reporting for POC Presented by: Amy Royce and Jorge Acevedo Objective To provide a clear understanding of how the correct linking of Name and Address records will increase your Proof of Coverage (POC) success rate. 2 1

4 Agenda Concept of Linking and Linking Data Elements Name and Address Linking Examples Broken Links 3 What Is an Employer? Employer Address Name 4 2

5 What Is an Employer? Name Address 5 A&J Cafe Concept of Linking 6 3

6 Linking Name and Address Name Link Identifier Name Link Counter Identifier 7 Concept of Linking Name Link Identifier Name Link Counter Identifier 8 4

7 Name Link Reporting Name Link Identifier Name Link Counter Identifier 9 Name Link Identifier Review Located on Name and Address Records Primary Insured is always 001 For each additional employer, increase the Name Link Identifier by 1 (e.g., 002) Name Link Identifier must be the same for the name and address to be linked 10 5

8 Name Link Counter Identifier Review Located on Name and Address Records Accommodates policies with more than 999 unique employers If there are more than 999 names on the policy, report 00 in this field for the first 999 names Increase this field by 1 for the next 999 names If 999 or fewer names are being reported, this field should be reported as A&J Cafe Concept of Linking 12 6

9 Continuation of a Name Continuation Sequence Number 1. Continuation of an entity name 2. All operating in the same locations Name Nm Lnk ID Cont Seq Nbr Jorge Phillie Amy Noles dba FanTastic Sports Continuation Sequence Number Review Located on the Name Record only Primary Insured Name is always 001 Identifies each name of an employer with multiple names Only report 002 or greater when the employer has multiple names 14 7

10 A&J Cafe Concept of Linking 15 State Code Link A&J Cafe A&J Treats Inc 16 8

11 Address Types & State Code Link Review Address Type 1 The mailing address (Primary Insured) State Code Link does not apply but can be reported Address Type 2 Physical locations of operations State Code Link does not apply unless reporting an out of state address Address Type 6 No specific location in jurisdiction State Code Link Required on every Address Type 6 record All three address types are considered employer addresses. 17 Reporting Address Type 2 The Roofing Co. 1 Main St, Kingsport, TN SCL 16 SCL

12 Reporting Address Type 2 The Roofing Co. 1 Main St, Kingsport, TN Address Type NLI SCL 1 Main St Kingsport TN Main St Kingsport TN Reporting Address Type 6 The Roofing Co. 1 Main St, Kingsport, TN * No physical location in VA but performs work there Address Type NLI SCL 1 Main St Kingsport TN Main St Kingsport TN

13 State Code Link Review Located on Address Record only Not required for Address Type 1 Not required for Address Type 2 when reporting a physical in state address Required for Address Type 2 when reporting a physical out of state address Required for Address Type 6 when reporting a No Physical Location 21 Quiz Time! Which Data Element should be unique for each distinct entity? Which Data Element links the Employer to the State? Which Data Element was created to support policies with more than 1,000 names? Which Data Element is used to differentiate different names of a multi name entity? 22 11

14 Name and Address Linking Examples One Name One Address A & J Cafe 1 Main St, Boca Raton, FL Name A & J Cafe NLCI 00 NLI CSN Address 1 Main St Boca Raton FL NLCI 00 NLI SLC

15 Multiple Names One Address Jorge Acevedo Main St 25 Continuation Sequence Number Review When should you use the same Name Link Identifier with different Continuation Sequence Numbers? 1. Continuation of a Name 2. Operating at All the Same Location(s) 26 13

16 Continuation of a Name Jorge Acevedo and Amy Royce dba A&J Cafe Name NLI CSN Jorge Acevedo Amy Royce dba A&J Cafe Main St, Boca Raton, FL Address NLI SCL 1 Main St Boca Raton FL Employers Created Name Jorge Acevedo Amy Royce dba A&J Cafe Address 1 Main St Boca Raton FL 1 Main St Boca Raton FL 1 Main St Boca Raton FL 28 14

17 Name Standardization Changes For Policies Effective 01/01/2017 and later: NCCI will no longer split names For Policies Effective 12/31/2016 and earlier: NCCI will continue to split names as it currently does 29 Name Standardization Changes Jorge Acevedo and Amy Royce dba A&J Cafe Employers Created Name Jorge Acevedo & Amy Royce dba A&J Cafe Address 1 Main St Boca Raton FL 30 15

18 Not Operating at Same Locations John Smith and Jane Jones dba Boca Boats 6 Main St, Boca Raton, FL John Smith and Jane Jones dba Miami Boats 8 North St, Miami, FL Note: Both employers have the same FEIN. 31 Not Operating at Same Locations Name NLI CSN John Smith Jane Jones dba Boca Boats dba Miami Boats

19 Employers Created Name John Smith Jane Jones Boca Boats dba Miami Boats dba John Smith Jane Jones Boca Boats dba Miami Boats dba Address 6 Main St Boca Raton FL 6 Main St Boca Raton FL 6 Main St Boca Raton FL 6 Main St Boca Raton FL 8 North St Miami FL 8 North St Miami FL 8 North St Miami FL 8 North St Miami FL 33 Not Operating at Same Locations Name NLI CSN John Smith Jane Jones dba Boca Boats John Smith Jane Jones dba Miami Boats

20 Not Operating at Same Locations Address NLI SCL 6 Main St Boca Raton FL North St Miami FL Employer Records Created Name Boca Boats dba John Smith Jane Jones Miami Boats dba John Smith Jane Jones Address 6 Main St Boca Raton FL 6 Main St Boca Raton FL 6 Main St Boca Raton FL 8 North St Miami FL 8 North St Miami FL 8 North St Miami FL 36 18

21 Name and Address Linking FL Beef Inc Type 1 37 FL Beef Inc One Name Multiple Locations 1 Main St, Boca Raton, FL 6 West St, Denver, CO Operating in Georgia (no physical location) 38 19

22 One Name Multiple Locations Name NLI CSN FL Beef Inc Address Type NLI SCL 1 Main St Boca Raton FL West St Denver CO Employer Records Created Name Street City State FL Beef Inc 1 Main St Boca Raton FL FL Beef Inc 6 West St Denver CO FL Beef Inc GA 40 20

23 Name and Address Linking Exercise 1 Linking Exercise #1 SCL 10 SCL 43 Mama Mia SCL

24 Linking Exercise #1 How Is This? The policy has a named insured, Mama Mia Pizzeria with a Mailing address in Florida (SCL 09). The insured is also operating in Georgia (SCL 10) delivering pizzas, but does not have a physical location in the state. And there is also a second location in Utah (SCL 43). Circle all errors on the following records: Name NLI CSN Mama Mia Pizzeria Address Type NLI SCL 1 Pepperoni St Palm Beach FL Sausage St Orem UT Various Locations Linking Exercise #1 Answer Populate the Name and Address fields with the correct data: Name NLI CSN Address Type NLI SCL 44 22

25 Name and Address Linking Jorge Inc Main St 45 Name and Address Linking Name NLI CSN Jorge Inc Amy Inc dba J Shoes Address Type NLI SCL 1 Main St Boca Raton FL South St Miami FL North St Orlando FL

26 Employer Records Created Name Street City State Jorge Inc 1 Main St Boca Raton FL Jorge Inc 5 South St Miami FL Jorge Inc 9 North St Orlando FL Amy Inc 1 Main St Boca Raton FL Amy Inc 5 South St Miami FL Amy Inc 9 North St Orlando FL J Shoes dba 1 Main St Boca Raton FL J Shoes dba 5 South St Miami FL J Shoes dba 9 North St Orlando FL 47 Name and Address Linking Exercise 2 24

27 Linking Exercise #2 Jorge Antipasto, Inc dba TGI Jorges 1 Anchovy St, Boca Raton, FL (Mailing Address) 6 Linguine St, Newport, RI Amy Ravioli, Inc 1 Anchovy St, Boca Raton, FL Operating in New York with no physical location in the state Note: Jorge Antipasto, Inc is the Primary Insured 49 Linking Exercise #2 Name NLI CSN Address Address Type NLI SCL 50 25

28 Linking Exercise #2 How many Employer Records will be created per State? State # of Employers 51 Broken Links 26

29 Data Grade 7 Unlinked Names records will generate a Data Grade 7 error Unlinked Address records will generate a Data Grade 7 error These records will NOT be sent to the state 53 Name Effective Date One date for each unique name on the policy Set when name is first reported on the policy Cannot be changed Can be reset by deleting all occurrences of the name from the policy Depending upon how you reported the names and addresses, this can affect several employers in several states

30 Address Effective Date One date for each unique standardized address on the policy Set when address is first reported on the policy Cannot be changed Can be reset by deleting all occurrences of the address from the policy This means: Address Type 6 One effective date per state 55 Pitfalls of Broken Links NLI CSN Name Address Jorge Inc 2 Main St Amy Inc 5 South St Jeff Inc 11 North St Bob Inc 17 East St Jane Inc 23 West St Greg Inc 31 First Ave 56 28

31 Pitfalls of Broken Links NLI CSN Name Address Jorge Inc 2 Main St Amy Inc 5 South St Jeff Inc 11 North St Bob Inc 17 East St Jane Inc 23 West St Greg Inc 31 First Ave 57 Pitfalls of Broken Links Jorge Inc 11 Bob Inc 2 North St Main St Jorge Inc 2 Jorge Main Inc 17 St East St Bob Inc 17 East St Jorge Jorge Inc 23 Inc 5 West South St St Bob Inc 23 West St Amy Inc 2 Main St Jane Inc 11 Jorge Inc 2 Main Jane Inc 23 North West St Amy Inc 5 South St St Amy Inc 17 East St Amy Inc 11 North St Jane Jane Inc 5 Inc 31 South First St Ave Greg Inc 5 South St Amy Inc 31 First Ave Jeff Inc 11 Jeff North Inc 5 StSouth St Greg Inc 31 First Ave Jeff Inc 2 Main St Jeff Inc 17 East St Greg Inc 2 Main St 58 29

32 Another Pitfall Changing NLI from one transaction to another can lead to unexpected results. Best Practice: Report the same NLI throughout the life of the policy for each employer. 59 Changing NLI Pitfall NLI CSN Name PCED PCXD First Employer Second Employer Third Employer NLI Type Street City ST SCL PCED PCXD East St Boca Raton FL

33 Policy Effective: 01/01/18 Changes to be reported: Changing NLI Pitfall Second Employer is being deleted midterm (effective 04/01/18) A new employer is being added midterm (effective 07/01/18) Operating in South Carolina (no physical location) 61 Changing NLI Pitfall NLI CSN Name PCED PCXD First Employer Second Employer Third Employer Fourth Employer NLI Type Street City ST SCL PCED PCXD East St Boca Raton FL

34 Changing NLI Pitfall NLI CSN Name PCED PCXD First Employer Second Employer Third Employer Fourth Employer NLI Type Street City ST SCL PCED PCXD East St Boca Raton FL Changing NLI Pitfall Reminder: What were we trying to do? Delete Second Employer, Effective 04/01/18 Add Fourth Employer, Effective 07/01/

35 What NCCI Loads Flag NLI CSN Name NED NXD PCED PCXD N First Employer 01/01/18 N Third Employer 01/01/18 N Fourth Employer 07/01/18 07/01/18 YN First Employer 01/01/18 YN Second Employer 01/01/18 04/01/18 04/01/18 YN Third Employer 01/01/18 NLI CSN Name PCXD Second Employer 04/01/18 65 What NCCI Loads Flag NLI SCL Address AED AXD PCED PCXD N East St 01/01/18 N /01/18 N /01/18 N /01/18 07/01/18 NY East St 01/01/18 NY /01/18 04/01/18 04/01/18 NY /01/18 NY /01/18 NLI SCL Address PCXD /01/

36 What the POC Process Generates Rec Type Name Address Triplicate Trans Set Eff Dt PC1 First Employer 5 East St 00/33/87 04/01/18 PC2 Second Employer DELETE PC1 First Employer 5 East St 00/33/87 04/01/18 PC2 First Employer DELETE PC1 First Employer 5 East St 00/31/87 01/01/18 PC2 First Employer ADD PC1 First Employer 5 East St 00/31/87 07/01/18 PC2 Fourth Employer ADD 67 Questions? 68 34

37 Supplemental Information

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39 Presenter Biographies Amy Royce, AU, AINS, joined NCCI 22 years ago and is currently a consultant in the Data Services Department of Data Resources. Her primary responsibilities include Proof of Coverage management and industry communication. She also represents NCCI on the International Association of Industrial Boards and Commissions as the POC Committee Chair. Amy earned a bachelor s in human resource management from Palm Beach Atlantic University in Florida as well as Associate of Commercial Underwriting (AU) and Associate in General Insurance (AINS) designations and is currently working on completing her Insurance Data Management Association (IDMA) certification. Jorge Acevedo has been with NCCI since He is the Proof of Coverage lead data analyst on the Policy/Proof of Coverage Team in the Data Collection Department. Prior to joining Data Collection in 2007, he worked in the Experience Rating Department as an analyst. Jorge s professional background includes technical support for a major computer company and fraud detection for an Internet hosting company.

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41 POLICY & POC ACRONYM REFERENCE SHEET Data Elements Reported on WCPOLS Carrier Generated NLI Name Link Identifier NLCI Name Link Counter Identifier CSN Continuation Sequence Number SCL State Code Link PED Policy Effective Date PXD Policy Expiration Date PCED Policy Change Effective Date PCXD Policy Change Expiration Date Data Elements NOT Reported in WCPOLS NCCI Generated NED Name Effective Date AED Address Effective Date NXD Name Expiration Date AXD Address Expiration Date SNN Split Name Number Codes Reported in Acknowledgment POC & State Generated PC1 IAIABC POC Insured Record PC2 IAIABC POC Employer Record TA Transaction Accepted TE Transaction Accepted With Errors TR Transaction Rejected Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved

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43 IAIABC Triplicate History by POC Format Transaction Submission Code Transaction Triplicate POC 1.0 POC 2.1 POC 3.0 Assigned Risk Binder I X POC 1.0 Binder POC 2.1 Coverage Notice/Binder some/all Employer locations within Jurisdiction A X X X POC 3.0 POC Notice some or all employer locations within Jurisdiction POC 1.0 Binder Insured has no physical location in jurisdiction POC 2.1 Coverage Notice/Binder Insured has no Physical location within Jurisdiction I X X X POC 3.0 POC Notice without location(s) within Jurisdiction POC 1.0 Binder Named Employer(s) with no jurisdiction address POC 2.1 Coverage Notice/Binder Employers with No Physical Address, but Operating within the Jurisdiction EN/M X X X POC 3.0 POC Notice with no physical locations within jurisdiction but operating within the Jurisdiction POC 1.0 New Policy POC 2.1 New Policy all/some employer locations with locations A X X X POC 3.0 New Policy some or all employer locations within Jurisdiction POC 1.0 New Policy Insured has not physical location in jurisdiction POC 2.1 New Policy Insured has no Physical Location within Jurisdiction POC 3.0 New Policy Without location(s) within Jurisdiction I X X X POC 1.0 New Policy Named Employer(s) with no jurisdiction address POC 2.1 New Policy Employers with No Physical Address, but Operating within the Jurisdiction POC 3.0 New Policy with no physical locations within the Jurisdiction but operating within the Jurisdiction POC 1.0 Renew Policy POC 2.1 Renewal all/some employer locations within Jurisdiction POC 3.0 Renewal some or all employer locations within Jurisdiction POC 1.0 Renew Policy Insured has no physical location in jurisdiction POC 2.1 Renewal Insured has no Physical location with Jurisdiction POC 3.0 Renewal without location(s) within Jurisdiction Notification of Coverage POC 1.0 Renew Policy Named Employer(s) with no jurisdiction address POC 2.1 Renewal Policy Employers with No Physical Address, but Operating within the Jurisdiction POC 3.0 Renewal Policy with no physical locations within the Jurisdiction but operating within the Jurisdiction EN/M X X X A X X X I X X X EN/M X X X POC 1.0 Add Jurisdiction POC 2.1 Endorsement Notifying a New Jurisdiction when a New Location is added to Existing Policy POC 3.0 Endorsement notifying a new Jurisdiction when a location is added to existing policy POC 1.0 Add Jurisdiction with no State location POC 2.1 Endorsement Notifying a New Jurisdiction when a New Employer with No jurisdiction location is added to Existing Policy POC 3.0 Endorsement notifying a new Jurisdiction when an employer with no Jurisdiction location is added to existing policy POC 1.0 Add Jurisdiction Named Employer(s) with no jurisdiction address POC 2.1 Add New Employer Add (Employer Not in Jurisdiction) POC 3.0 Endorsement notifying a new Jurisdiction when an employer with no physical location but operating within the Jurisdiction is added to existing policy POC 1.0 Rewrite/Reissue Policy POC 2.1 Rewrite/Reissue Policy Employer Locations within Jurisdiction POC 3.0 Rewrite/Reissue Policy some or all employer locations within Jurisdiction POC 1.0 Rewrite/Reissue Policy Insured has no physical location in Jurisdiction POC 2.1 Rewrite/Reissue Policy Insured has No Physical Location within Jurisdiction POC 3.0 Rewrite/Reissue Policy without location(s) within Jurisdiction A X X X I X X X EN/M X X X A X X X I X X X 1

44 IAIABC Triplicate History by POC Format Transaction POC 1.0 Rewrite/Reissue Policy Named Employer(s) with no jurisdiction address POC 2.1 Rewrite/Reissue Policy Employers with No Physical Address, but Operating within the Jurisdiction POC 3.0 Rewrite/Reissue Policy with no physical locations within the Jurisdiction but operating within the Jurisdiction Addition of Coverage POC 1.0 Add Location(s) POC 2.1 Add New Employer Add (Location in Jurisdiction) POC 3.0 Add Employer location within Jurisdiction POC 1.0 Add Employer(s) with no jurisdiction address POC 2.1 Add Employer Add (Employer not in Jurisdiction) POC 3.0 Add New Employer with no Physical Location within Jurisdiction POC 1.0 Include Corporate Officer/Partner/Sole Proprietor POC 2.1 Submitting Corporate Officer/Partner/Sole Proprietor Inclusion POC 3.0 Corporate Officer/Partner/Sole Proprietor Inclusion POC 1.0 Exclude Corporate Officer/Partner/Sole Proprietor POC 2.1 Submitting Corporate Officer/Partner/Sole Proprietor Exclusion POC 3.0 Corporate Officer/Partner/Sole Proprietor Exclusion Change of Existing of Coverage POC 1.0 Change Change Legal Status, Change Insured Name, Change Governing Class Code, Change Total Payroll, Change Insured Address, Change Telephone Number, Change Business Market, Change Wrap Up Indicator, Change Assignment Date POC 2.1 Change Insured Demographics Legal Status, Insured Name, Governing Class, Total Payroll, Insured Address, Telephone Number, Business Market, Wrap Up Indicator, Assignment Date, Employee Leasing Policy Identification, Minimum Premium Policy Indicator Submission Code Transaction Triplicate POC 1.0 POC 2.1 POC 3.0 EN/M X X X E/M X X X E/M X X X I X X X I X X X I X X Change Insured Demographics Legal Status, Insured Name, Governing Class, Total Payroll, Insured Address, Telephone Number, Business Market, Wrap Up Indicator, Assignment Date, Employee Leading Policy Identification, Minimum Premium Policy Indicator, Losses Subject to Deductible Code, Basis of Deductible Calculation Code, Insured Sate Premium, PEO or Client Company Code, Reason State was Added to the Policy Code Change Prior Policy Number I PI X X Add new Insured FEIN POC 1.0 Change Erroneous Insured FEIN POC 2.1 Change Insured FEIN Change Insured FEIN POC 1.0 Change Employer FEIN POC 2.1 Change Employer FEIN Employer Locations within Jurisdiction POC 3.0 Change Employer FEIN Employer locations within Jurisdiction POC 1.0 Change Employer UI POC 2.1 Change Employer U/I Employer Locations within Jurisdiction POC 3.0 Change Employer UI Number employer locations within Jurisdiction POC 1.0 Change Change Name all or any employer location, Change Address all or any Employer location, Change SIC Code (Employer level), Change # of Employees (Employer level) POC 2.1 Change Employer Demographics Employer Locations with Jurisdiction Name, Address, SIC Code, Number of Employees POC 3.0 Change Employer Demographics Employer location within Jurisdiction Name, Address, Industry Code, Number of Employees, Legal Status of Employer, Name Type Code, PEO or Client Company Code PI PI PI PE PE PE X X X X X X X X X X X X X 2

45 IAIABC Triplicate History by POC Format Transaction Submission Code Transaction Triplicate POC 1.0 POC 2.1 POC 3.0 POC 2.1 Change Employer Demographics Employer with No Jurisdiction Location Name, Address, SIC Code, Number of Employees POC 3.0 Change Employer Demographics Employer with no Jurisdiction location Name, Industry Code, Number of Employees, Legal Status of Employer, Name Type Code, PEO or Client Company Code POC 2.1 Change Employer U/I Number Employer with No Jurisdiction Location POC 3.0 Change Employer UI Number employer with no Jurisdiction location POC 2.1 Change Employer FEIN Employer with No Jurisdiction Location POC 3.0 Change Employer FEIN employer with no physical location within Jurisdiction Change Policy Number Change Policy Number POC 1.0 Change Erroneous Effective Date POC 2.1 Correct Erroneous Policy Effective Date Change Policy Effective Date POC 1.0 Change Erroneous Expiration Date POC 2.1 Correct Erroneous Expiration Date Change Policy Expiration Date POC 1.0 Change Erroneous Carrier/Insurer FEIN POC 2.1 Change Carrier/Insurer FEIN Change Carrier/Insurer FEIN Deletion of Coverage POC 1.0 Delete location(s) POC 2.1 Delete Employer Locations within Jurisdiction POC 3.0 Endorsement, Delete Location POC 1.0 Delete Jurisdiction POC 2.1 Delete Jurisdiction No Longer Covered by Carrier/Insurer POC 3.0 Endorsement, Delete Jurisdiction POC 2.1 Delete Employer with No Jurisdiction Location POC 3.0 Delete Employer no Jurisdiction address Cancellation/Nonrenewal of Coverage PE PE PE PI PI PI PI PI PI PI PI E/M X X X I X X X E/M X X Policy Cancelled By Carrier/Insurer Failure to Comply with Terms of Audit I X Policy Cancelled By Carrier/Insurer Cancelled at Request of Finance Company I X Policy Cancelled By Carrier/Insurer Failure to Submit Payroll Information I X POC 1.0 Cancelled By Carrier/Insurer Non Payment POC 2.1 & POC 3.0 Policy Cancelled by Carrier/Insurer Non Payment I X X X POC 1.0 Cancelled By Carrier/Insurer Underwriting Reason POC 2.1 & POC 3.0 Policy Cancelled by Carrier/Insurer Underwriting Discretion I X X X POC 1.0 Cancelled by Carrier/Insurer Revocation of Voluntary Market Acceptance POC 2.1 & POC 3.0 Policy Cancelled by Carrier/Insurer Revocation of Voluntary Market Acceptance I X X X POC 1.0 Cancelled By Carrier/Insurer Failure to Pay Deductible POC 2.1 & POC 3.0 Policy Cancelled by Carrier/Insurer Failure to Pay Deductible I X X X X X X X X X X X X X X X X X X X X X POC 1.0 Cancelled by Carrier/Insurer Misrepresentation of Information on Application POC 2.1 & POC 3.0 Policy Cancelled by Carrier/Insurer Misrepresentation on Application POC 1.0 Cancelled By Carrier/Insurer Rewrite/Reissue POC 2.1 & POC 3.0 Policy Cancelled by Carrier/Insurer Rewrite/Reissue POC 1.0 Cancelled By Insured Reason Unknown POC 2.1 & POC 3.0 Policy Cancelled by Insured Reason Unknown I X X X I X X X I X X X 3

46 IAIABC Triplicate History by POC Format Transaction Submission Code Transaction Triplicate POC 1.0 POC 2.1 POC 3.0 POC 1.0 Cancelled By Insured Out of Business POC 2.1 & POC 3.0 Policy Cancelled by Insured Out of Business POC 1.0 Cancelled by Insured Coverage Placed Elsewhere POC 2.1 & POC 3.0 Policy Cancelled by Insured Coverage Placed Elsewhere POC 1.0 Cancelled By Insured Duplicate Coverage POC 2.1 & POC 3.0 Policy Cancelled by Insured Duplicate Coverage POC 1.0 Cancelled by Insured Change of Ownership POC 2.1 & POC 3.0 Policy Cancelled by Insured Ownership Change POC 1.0 Cancelled By Insured Business Sold POC 2.1 Policy Cancelled by Insured Business Sold POC 1.0 Cancelled by Insured No Employees/No Exposure/No Operations POC 2.1 & POC 3.0 Policy Cancelled By Insured No Employees/No Exposure/No Operations I X X X I X X X I X X X I X X X I X X I X X X POC 1.0 Non Renewal of Policy By Insured Reason Unknown POC 2.1 & POC 3.0 Policy Non Renewed by Insured Reason Unknown I X X X POC 1.0 Non Renewal of Policy By Insured Out of Business POC 2.1 & POC 3.0 Policy Non Renewed by Insured Out of Business I X X X Policy Non Renewed by Carrier/Insurer Non Payment I X X POC 1.0 Non Renewal of Policy by Insured Coverage Placed Elsewhere POC 2.1 & POC 3.0 Policy Non Renewed by Insured Coverage Placed Elsewhere I X X X POC 1.0 Non Renewal of Policy by Insured Change of Ownership POC 2.1 & POC 3.0 Policy Non Renewed by Insured Change of Ownership I X X X POC 1.0 Non Renewal of Policy By Insured Business Sold POC 2.1 Policy Non Renewed by Insured Business Sold I X X POC 1.0 Non Renewal of Policy by Insurer Underwriting Discretion POC 2.1 & POC 3.0 Policy Non Renewed by Carrier/Insurer Underwriting Discretion I X X X POC 1.0 Non Renewal of Policy by Insured No Employees/No Exposure/No Operations POC 2.1 & POC 3.0 Policy Non Renewed by Insured No Employees/No Exposure/No Operations Reinstatement of Coverage POC 1.0 Reinstate Policy POC 2.1 Carrier/Insurer Reinstate Policy Copyright 2016 National Council on Compensation Insurance, Inc. All Rights Reserved I X X X I X X X 4