LOUISIANA DEPARTMENT OF INSURANCE (LDI) INSURANCE PRODUCTS AND FILING REQUIREMENTS SPREADSHEET OFFICE OF PROPERTY & CASUALTY June 2018 EDITION

Transcription

1 LOUISIAA DEPARTMET OF ISURACE (LDI) ISURACE PRODUCTS AD FILIG REQUIREMETS SPREADSHEET OFFICE OF PROPERTY & CASUALTY June 2018 EDITIO SERFF AIC Types of Product ot Insurance Available For Specified Filing Types Filing Types Accepted: Form; Rate; AIC Filing Code AIC Sub-Type SERFF Type SERFF Sub-Type of Insurance of Insurance of Insurance LDI State TOI/ Sub TOI (Manual Drop Down) SERFF Description Coverage protecting the insured against loss or damage to real or personal property from a variety of perils, including-but not limited to-fire, lightening, business interruption, loss of rents, glass breakage, tornado, windstorm, hail, water damage,, explosion, riot, civil commotion, rain, or damage from aircraft or vehicles. LDI Product Code LDI Product ame - Type of Insurance LDI Sub-Type of Insurance LDI Marketing Type LDI Description Certified Product Line of Authority eeded FORMS OLY (Certificate of Authority) =o, FORMS/RATES/RULES Y= Mandatory, O=Optional *Filings sent Certified need a Certification submitted along with Statement of Compliance. Filing Fees Exceptions FORMS OLY (if exceptions will be marked) *Filing fees are not required for Filings. Statement of Compliance Exceptions FORMS/RATES/RULES (if exceptions will be marked) PC-All PROPERTY AD CASUALTY &; Casualty includes,, Workers' compensation, Burglary and Forgery, Fidelity, Surety, Title, Fire and allied lines, Steam boiler and sprinkler leakage, Crop, Marine and transportation (inland marine), Miscellaneous, Homeowners' insurance, Credit property and casualty, and Industrial Fire. *Please see special notes at the bottom of the spreadsheet. P PROPERTY (FIRE & ALLIED) Coverage protecting the insured against loss or damage to real or personal property from a variety of perils Personal (Fire and Allied Lines) insurance coverage sold to commercial ventures. P PROPERTY (FIRE & ALLIED) Personal (Fire and insurance coverage sold for personal, family or P PROPERTY (FIRE & ALLIED) Personal Allied Lines) household purposes. Standard Fire P PROPERTY (FIRE & ALLIED) Personal Industrial Fire P PROPERTY (FIRE & ALLIED) Personal Covers property insurance sold to commercial ventures. insurance coverage sold for personal, family or household purposes. (Dwelling policies fall under this product.) Standard Fire Coverage provided under named perils policy specifically for fire and extended coverage. O Industrial Fire Fire and allied lines insurance policies issued through agents operating on the debit agency system, under which system a weekly or monthly collection percentage is paid based either on actual weekly or monthly premium collections or weekly or monthly increases of premium collections and where the face amount of the insurance provided covering buildings and other structures or contents under the same ownership do not exceed $40,000 for the structure and $40,000 for contents. Industrial Fire Crop Crop Crop-Hail Sub-TOI Crop-Hail Crop-Hail on-federally Reinsured Only Federally Crop-Hail Federally Reinsured Reinsured Crop Only Coverage protecting the insured against loss or damage P CROP Crop Coverage for crops in the event of loss or damage by insured perils. Y Crop to crops from a variety of perils, including but not limited to fire, lightening, loss of revenue, tornado, windstorm, hail, flood, rain, or damage by insects. All other crop or hail insurance products P CROP Crop Coverage for crops in the event of loss or damage by insured perils. Y Crop Crop insurance coverage that is either wholly or in part P CROP Crop Coverage for crops in the event of loss or damage by insured perils. Y Crop reinsured by the Federal Crop Insurance Corporation (FCIC) under the Standard Reinsurance Agreement (SRA). This includes the following products: Multiple Peril Crop Insurance (MPCI); Catastrophic Insurance, Crop Revenue Coverage (CRC); Income Protection and Revenue Assurance. Flood Flood Coverage protecting the insured against loss or damage P FLOOD Flood Coverage protecting the insured against loss or damage to real or personal property from flood. (Includes Excess to real or personal property from flood. (ote: If coverage for flood is offered as an additional peril on a property insurance policy, file it under the applicable property insurance filing code.) Flood Policies) Flood Flood Separate flood insurance policy sold to commercial ventures for primary coverage. P FLOOD Flood Coverage protecting the insured against loss or damage to real or personal property from flood. Separate flood insurance policy sold to commercial ventures. (Includes Excess Flood Policies) Personal Flood Personal Flood Separate flood insurance policy sold for personal, family P FLOOD Personal Flood Coverage protecting the insured against loss or damage to real or personal property from flood. Separate flood or household purposes for primary coverage. insurance policy sold for personal, family or household purposes. (Includes Excess Flood Policies) Excess Flood Excess Flood Separate flood insurance policy sold to commercial ventures for excess coverage. P FLOOD Flood Coverage protecting the insured against loss or damage to real or personal property from flood. Separate flood insurance policy sold to commercial ventures. (Includes Excess Flood Policies) Personal Excess Flood Farmowners Personal Farmowners Personal Excess Flood Separate flood insurance policy sold for personal, family P FLOOD Personal Flood Coverage protecting the insured against loss or damage to real or personal property from flood. Separate flood or household insurance policy sold for personal, family or household purposes. (Includes Excess Flood Policies) purposes for excess coverage Personal Farmowners Farmowners insurance sold for personal, family or P FARMOWERS Farmowners Package policy sold for personal, family or household purposes; developed for farms and ranches; includes both household purposes. This package policy is similar to a homeowners policy, in that it has been developed for property and liability coverage for personal and business losses. Coverage includes farm dwellings and their contents, barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock. farms and ranches and includes both property and liability coverage for personal and business losses. Coverage includes farm dwellings and their contents, barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock. ; Homeowners Homeowners Homeowners Sub-TOI A package policy combining real and personal property coverage with personal liability coverage. Coverage applicable to the dwelling, appurtenant structures, unscheduled personal property and additional living expense are typical. Includes mobile homes at a fixed location Condos Condominium Homeowners Homeowners insurance sold to condominium owners occupying the described property Mobile Homes Mobile Homeowners Homeowners insurance sold to owners occupying the described mobile home. P HOMEOWERS Homeowners Package policy combining real and personal property coverage with personal liability coverage, that protects owners and tenants against loss or damage to their residential property. P HOMEOWERS Homeowners - Condo/Unitowners P HOMEOWERS Homeowners - Mobile Homes Homeowners Coverage sold to condominium owners occupying the described property. Homeowners Coverage sold to owners occupying the described mobile home. Homeowners Page 1

2 Multiple Peril Owner Occupied Owner Occupied Homeowners Homeowners insurance sold to owners occupying the P HOMEOWERS Homeowners Package policy combining real and personal property coverage with personal liability coverage, that protects owners Homeowners described property. and tenants against loss or damage to their residential property Tenants Tenant Homeowners Homeowners insurance sold to tenants occupying the P HOMEOWERS Homeowners - Coverage sold to tenants occupying the described property. ; described property. Tenants Other Other Homeowners All other Homeowners insurance products P HOMEOWERS Homeowners Package policy combining real and personal property coverage with personal liability coverage, that protects owners Homeowners and tenants against loss or damage to their residential property CMP CMP Sub-TOI The policy packages two or more insurance coverages P COMMERCIAL MULTIPLE The policy packages two or more insurance coverages protecting an enterprise from various property and liability risk ; and protecting an enterprise for various property and liability Multiple Peril exposures. (OTE: See monoline products). on- risk exposures. Frequently includes fire, allied lines, various other coverages (e.g., difference in conditions) and liability coverage. Such coverages would be included in other annual statement lines, if written individually. Include under this type of insurance multiperil policies (other than farmowners, homeowners and automobile policies) that include coverage for liability other than auto on- Portion 05.1 CMP on- Portion Only Portion 05.2 CMP Portion Only Builders' Risk Policies CMP Sub-TOI Absence of a responsibility to fulfill a contract or obligation. P COMMERCIAL MULTIPLE CMP Sub-TOI Responsibility to fulfill a contract or obligation. P COMMERCIAL MULTIPLE Builders Risk Builders Risk (on-) Typically written on a reporting or completed value form, P COMMERCIAL MULTIPLE this coverage insures against loss to buildings in the course of construction. The coverage also includes machinery and equipment used in the course of construction and to materials incidental to construction. Multiple Peril Multiple Peril Builder s Risk The policy packages two or more insurance coverages protecting an enterprise from various property and liability risk exposures. (OTE: See monoline products). The policy packages two or more insurance coverages protecting an enterprise from various property and liability risk exposures. (OTE: See monoline products). Coverage that insures building contractors for damage to property under construction. Includes loss to buildings in course of construction; and machinery, equipment, and materials incidental to the construction. ; ; ; Businessowners Businessowners Businessowners (on-) Businessowners () The Businessowners (BOP) provides a broad package P COMMERCIAL MULTIPLE of property and liability coverages for small and medium sized apartment buildings, offices, and retail stores. Businessowners package Package policy designed to provide broad property and liability coverages for small and medium sized businesses. (OTE: See monoline products). ; Package Policy Package Package (on- ) Package () The Package Policy (CPP) provides a broad package of property and liability coverages for commercial ventures other than those provided insurance through a businessowners policy. (The older special multi peril programs (SMP) also use this code.) P COMMERCIAL MULTIPLE Package Package policy designed to provide broad property and liability coverages for commercial ventures, other than businessowners. (OTE: See monoline products). ; Manufacturers Output Policies Manufacturers Output Manufacturers Output (on- ) Manufacturers Output () Provides broad form all risks coverage of personal P COMMERCIAL MULTIPLE property of an insured manufacturer that is located away from the premises of the manufacturer at the time of a claim. Manufacturer s Output Coverage for personal property of a manufacturer on an all risks basis when that property is located away from the manufacturer's premises. (OTE: See monoline products). ; E-Commerce CMP E-Commerce CMP E-Commerce (on- ) CMP E-Commerce () Coverage for all aspects of E-Commerce Business P COMMERCIAL MULTIPLE E-Commerce Coverage for all aspects of E-Commerce Business ; Farm and Ranch Farm and Ranch Farm and Ranch (on-) Farm and Ranch () A commercial package policy for farming and ranching P COMMERCIAL MULTIPLE risks that includes both property and liability coverage. Coverage includes barns, stables, other farm structures and farm inland marine, such as mobile equipment and livestock. Farm & Ranch Package policy for farming and ranching risks that includes both property and liability coverage. Includes coverage to barns, stables, other farm structures, mobile equipment and livestock. ; Mortgage Other CMP Policies Mortgage MG-Fixed Rate Mortgages Other CMP Other CMP Other CMP All other commercial multiple peril (CMP) insurance products. P COMMERCIAL MULTIPLE Multiple Peril MG Sub-TOI Insurance that indemnifies a lender for loss upon P FIDELITY AD SURETY Mortgage foreclosure if a borrower fails to meet required mortgage payments Fixed Rate MG The type of loan in which the interest rate will not chang P FIDELITY AD SURETY Mortgage for the entire term of the loan MG-Trust/Pools Trust/Pool MG Insure pools of loans secured by instruments P FIDELITY AD SURETY Mortgage constituting a first lien on real estate and evidenced by pass-through certificates or other instruments. The policy packages two or more insurance coverages protecting an enterprise from various property and liability risk exposures. (OTE: See monoline products). ; Coverage that indemnifies a lender from loss if a borrower fails to meet required mortgage payments. Surety o Form Filing Fees S of C not Required but requested Coverage that indemnifies a lender from loss if a borrower fails to meet required mortgage payments. Surety o Form Filing Fees S of C not Required but requested Coverage that indemnifies a lender from loss if a borrower fails to meet required mortgage payments. Surety o Form Filing Fees S of C not Required but requested MG-Variable Mortgages Ocean Marine Ocean Marine Variable Rate MG Other MG The type of loan in which the interest rate may vary or P FIDELITY AD SURETY Mortgage float periodically throughout the term of the loan based on an interest rate index Ocean Marine Coverage for ocean and inland water transportation exposures; goods or cargoes; ships or hulls; earnings; and liability. P MARIE AD TRASPORTATIO Ocean Marine Coverage that indemnifies a lender from loss if a borrower fails to meet required mortgage payments. Surety o Form Filing Fees S of C not Required but requested Coverage for ocean and inland water transportation exposures; goods or cargoes; ships or hulls, earnings; and liability. Y Marine & Transportation *Ocean Marine Filings, for vessels over 5 tons, are not required to be submitted Inland Marine Inland Marine Inland Marine Sub-TOI Coverage for property that may be in transit, held by a P MARIE AD bailee, at a fixed location, or movable goods that are TRASPORTATIO often at different locations (e.g., off-road constructions equipment), or scheduled property (e.g., Homeowners Personal Floater) including items such as live animals, property with antique or collector's value, etc. These lines also include instrumentatlities of transportation and communication, such as bridges, tunnels, piers, wharves, docks, pipelines, power and phone lines, and radio and television towers. Inland Marine Coverage for property that may be in transit, held by a bailee, at a fixed location, or movable goods at different O locations, or scheduled property. Coverage can also include instrumentalities of transportation and communication, i.e., bridges, tunnels, piers, wharves, docks, pipelines, power/phone lines, and radio/television towers. Marine & Transportation Page 2

3 Animal Mortality Animal Mortality Coverage that provides a death benefit to the owner of a P MARIE AD policy in the event of the death of the insured livestock. TRASPORTATIO Difference in Conditions (DIC) EDP Policies Electronic Data Processing (EDP) Pet Insurance Plans Difference in Conditions (DIC) DIC is a special form of open-peril coverage written in P MARIE AD conjunction with basic fire coverage and designed to provide protection against losses not reimbursed under the standard fire forms. TRASPORTATIO Coverage to protect against losses arising out of damagp MARIE AD to or destruction of electronic data processing equipment TRASPORTATIO and its software Pet Insurance Plans Veterinary care plan insurance policy providing care for P MARIE AD a pet animal (e.g., dog or cat) of the insured owner in the TRASPORTATIO event of its illness or accident. Animal Mortality Inland Marine Inland Marine Pet Health Insurance Difference In Conditions Electronic Data Protection Coverage that provides a death benefit to the owner of a policy in the event of the death of the insured animal/livestock. Coverage for property that provides open-peril coverage excluding coverages usually included in a business property O policy. Coverage to protect against losses arising out of damage to or destruction of electronic data processing equipment O and its software. Veterinary care plan insurance policy providing care for a pet/domestic animal of the insured owner in the event of its illness or accident. ; and Marine & Transportation (if covers property in transit) (If related to transit or transportation of animals OLY, then only Marine & Transportation is needed) ; and Marine & Transportation (if covers property in transit) Marine & Transportation Other Inland Marine Other Inland Marine All other inland marine coverage that is sold to commercial ventures. P MARIE AD TRASPORTATIO Inland Marine Coverage for property that may be in transit, held by a bailee, at a fixed location, or movable goods at different O locations, or scheduled property. Coverage can also include instrumentalities of transportation and communication, i.e., bridges, tunnels, piers, wharves, docks, pipelines, power/phone lines, and radio/television towers. Marine & Transportation Other Personal Inland Marine Communication Equipment (Cellular Telephones) Other Personal Inland Marine All other inland marine coverage that is sold for personap MARIE AD family or household purposes. TRASPORTATIO Communication Equipment (Cellular Telephones) Provides insured subscribers of Communications Equipment Service Provider replacement coverage for loss of and damage, theft or mechanical breakdown to P MARIE AD TRASPORTATIO communications equipment. Communications equipmen means wireless telephones and pagers, and any other devices incorporating wireless phone and pager capabilities, including but not limited to personal digital assistants (PDA) and wireless aircards. Personal Inland Marine Inland Marine Communication Equipment Coverage for property damage or destruction of an insured's property and/or liability exposure of an insured, for damage or destruction of someone else's property under the insured's care, custody or control. Sold for personal, family or household purposes. Provides insured subscribers of Communications Equipment Service Provider replacement coverage for loss of and O damage, theft or mechanical breakdown to communications equipment. Communications equipment means wireless telephones and pagers, and any other devices incorporating wireless phone and pager capabilities, including but not limited to personal digital assistants (PDA) and wireless aircards. Marine & Transportation Event Cancellation Event Cancellation Coverage for financial loss because of the cancellation P MARIE AD or postponement of a specific event due to weather or other unexpected cause beyond the control of the insured. TRASPORTATIO TRAVEL Event Cancellation Coverage for financial loss because of the cancellation or postponement of a specific event due to weather or other O unexpected cause beyond the control of the insured. Marine & Transportation; If accidental death/dismemberment benefit, then must be licensed for Travel Coverage Travel Coverage Covers financial loss due to trip cancellation/interruption; P MARIE AD lost or damaged baggage; trip or baggage delays; misse connections and/or changes in itinerary; and casualty losses due to rental vehicle damage. TRASPORTATIO TRAVEL Travel Coverage for pitfalls associated with travel; coverage when travelers must cancel a trip or in the event a trip is O terminated; coverage for valuables lost and expenses incurred because of inconvenience; and/or coverage for when a trip is cancelled because a carrier or tour operator is no longer in business. ote: Casualty losses due to rental vehicle damage is considered a vehicle product and the company would need to be licensed for vehicle in order to this coverage. Marine & Transportation; If accidental death/dismemberment benefit, then must be licensed for Boatowners/Pers onal Watercraft Boatowners/Personal Watercraft Covers damage to pleasure boats, motors, trailers, boating equipment and personal watercraft as well as bodily injury and property damage liability to others. P MARIE AD TRASPORTATIO Boatowners/ Personal Watercraft Policy that provides liability and medical coverage for damages resulting from the operation of water sports equipment and motor boats too large to qualify for insurance under homeowners policies. Coverage for boats under a specific length and maximum dollar amount combining property, liability and medical payments. Marine & Transportation Financial Medical Financial Med Mal- Claims and Financial A surety bond, insurance policy, or an indemnity contracp FIDELITY AD SURETY Surety An agreement where the insurer agrees to pay a second party (the obligee) or make complete an obligation in Surety o Form Filing Fees S of C not Required but requested (when issued by an insurer), or similar guaranty types under which loss is payable upon proof of occurrence of financial loss to an insured claimant, obligee or indemnitee as a result of failure to perform a financial obligation. response to the default, acts, or omissions of a third party (the principal or obligor) Med Mal Sub-TOI Insurance coverage protecting a licensed health care provider or health care facility against legal liability resulting from the death or injury of any person due to the insured's misconduct, negligence, or incompetence, in rendering or failure to Medical Medical - Claims 11.1 Med Mal- Only 11.2 Med Mal- Claims Only Med Mal Sub-TOI These policies cover insured events that occur within the effective dates of the policy regardless of when they are reported to the reporting entity Med Mal Sub-TOI These policies cover insured events that are reported (a defined in the policy) within the effective dates of the policy, subject to retroactive dates and extended reporting periods when applicable Acupuncture Acupuncture Medical malpractice for acupuncture procedures Ambulance Services Acupuncture Acupuncture - Claims Ambulance Services Medical malpractice for an ambulance service Ambulance Services Ambulance Services - Claims Page 3

4 Anesthetist Anesthetist Medical malpractice for an anesthetist Assisted Living Facility Anesthetist Anesthetist - Claims Assisted Living Facility Medical malpractice for an assisted living facility Assisted Living Facility Assisted Living Facility - Claims Chiropractic Chiropractic Medical malpractice for a chiropractor Community Health Centers Dental Hygienists Chiropractic Chiropractic - Claims Community Health Centers Medical malpractice for a community health center Community Health Centers Community Health Centers - Claims Dental Hygienists Medical malpractice for a dental hygienist Dental Hygienists Dental Hygienists - Claims Dentists Dentists Medical malpractice for a dentist Dentists - General Practice Dentists - Oral Surgeons Home Care Service Agencies Dentists Dentists - Claims Dentists - General Practice Medical malpractice for a general practice dentist Dentists - General Practice Dentists - General Practice - Claims Dentists - Oral Surgeons Medical malpractice for an oral surgeon dentist Dentists - Oral Surgeons Dentists - Oral Surgeons - Claims Home Care Service Agencies Medical malpractice for a home care service agency Home Care Service Agencies Home Care Service Agencies - Claims Hospitals Hospitals Medical malpractice for a hospital Hospitals Hospitals - Claims Page 4

5 Professional urses urse - Anesthetists urse - Licensed Practical Professional urses Medical malpractice for any professional nurse Professional urses Professional urses - Claims urse - Anesthetists Medical malpractice for a nurse anesthetist urse - Anesthetists urse - Anesthetists - Claims urse - Licensed Practical Medical malpractice for a licensed practical nurse urse - Licensed Practical urse - Licensed Practical - Claims urse - Midwife urse - Midwife Medical malpractice for a nurse midwife urse - Practitioners urse - Private Duty urse - Registered urse - Midwife urse - Midwife - Claims urse - Practitioners Medical malpractice for a nurse practitioner urse - Practitioners urse - Practitioners - Claims urse - Private Duty Medical malpractice for a private duty nurse urse - Private Duty urse - Private Duty - Claims urse - Registered Medical malpractice for a registered nurse urse - Registered urse - Registered - Claims ursing Homes ursing Homes Medical malpractice for a nursing home Occupational Therapy Portable Electronics Insurance Policies Ophthalmic Dispensing ursing Homes ursing Homes - Claims Occupational Therapy Medial malpractice for an occupational therapist Occupational Therapy Occupational Therapy - Claims Ophthalmic Dispensing Medical malpractice for ophthalmic dispensing Ophthalmic Dispensing Ophthalmic Dispensing - Claims Page 5

6 Optometry Optometry Medical malpractice for an optometrist Optometry Optometry - Claims Osteopathy Osteopathy Medical malpractice for an osteopathic physician Osteopathy Osteopathy - Claims Pharmacy Pharmacy Medical malpractice for a pharmacist Physical Therapy Physicians & Surgeons Physicians Assistants Pharmacy Pharmacy - Claims Physical Therapy Medical malpractice for a physical therapist Physical Therapy Physical Therapy - Claims Physicians & Surgeons Medical malpractice for a physician or surgeon Physicians & Surgeons Physicians & Surgeons - Claims Physicians Assistants Medical malpractice for a physicians' assistant Physicians Assistants Physicians Assistants - Claims Podiatry Podiatry Medical malpractice for a podiatrist Podiatry Podiatry - Claims Psychiatry Psychiatry Medical malpractice for a psychiatrist Psychiatry Psychiatry - Claims Psychology Psychology Medical malpractice for a psychologist Speech Pathology Psychology Psychology - Claims Speech Pathology Medical malpractice for a speech pathologist Speech Pathology Speech Pathology - Claims Page 6

7 Other Other Medical malpractice no specifically described above. Earthquake Earthquake Workers' Earthquake Personal Earthquake Workers Other Other - Claims coverage for losses resulting from a sudden trembling or shaking of the earth, including that caused by volcanic eruption Earthquake Earthquake property coverage for commercial ventures.p EARTHQUAKE Earthquake Personal Earthquake Earthquake property coverage for personal, family or P EARTHQUAKE Personal household purposes. Earthquake WC Sub-TOI Insurance that covers an employer's liability for injuries, P WORKERS' COMPESATIO Workers' disability or death to persons in their employment, without regard to fault, as prescribed by state or federal workers' compensation laws and other statutes. Includes employer's liability coverage. P EARTHQUAKE Earthquake coverage for losses resulting from a sudden trembling or shaking of the earth, including that caused by volcanic eruption. Earthquake property coverage for commercial ventures. Earthquake property coverage for personal, family or household purposes. Coverage for the insured's obligations imposed upon employers under workers' compensation law; also coverage for O the insured's obligations under law other than workers' compensation law. Workers Alternative Workers' Alternative WC Other than standard workers' compensation coverage, P WORKERS' COMPESATIO Alternative employer's liability and excess workers' compensation Workers' (e.g., large deductible, managed care). Coverage that can include a combination of life, accident, health, property, casualty or other insurance policies that offer in the aggregate, benefits that satisfy an employer's workers' compensation obligations pursuant to Louisiana Revised Statute 23:1020, et. seq. Workers Employers Employers WC Employers' liability coverage for the legal liability of employers arising out of injuries to employees. This code should be used when coverage is issued as an endorsement, or as part of a statutory workers' compensation policy. When coverage is issued as a stand-alone policy, or as an endorsement to a package policy, the appropriate "Other " code should be used (i.e., , , or ). P WORKERS' COMPESATIO Employers Coverage for an employer's liability for injuries, disability or death to persons in their employment not covered under O workers' compensation law. Workers Excess Workers' Standard Workers' Excess WC Either specific and/or aggregate excess workers' compensation insurance written above an attachment point or self-insured retention. P WORKERS' COMPESATIO Excess Workers' Standard WC Insurance that covers an employer's liability for injuries, P WORKERS' COMPESATIO Workers' disability or death to persons in their employment, without regard to fault, as prescribed by state or federal workers' compensation laws and includes within the basic policy employer's liability coverage. Coverage for specific and/or aggregate excess workers' compensation insurance written above an attachment point O or self-insured retention. Coverage for the insured's obligations imposed upon employers under workers' compensation law; also coverage for O the insured's obligations under law other than workers' compensation law. Workers Workers Other Other - /Cl aims Other Sub-TOI Other Other - Claims 17.1 Other - Only 17.2 Other - Claims Only Other Sub-TOI Other Sub-TOI Excess Stop P&C Coverage protecting the insured against legal liability resulting from negligence, carelessness, or a failure to act resulting in property damage or personal injury to others. P LIABILITY General P LIABILITY Excess Stop P&C These policies cover insured events that occur within thep LIABILITY effective dates of the policy regardless of when they are General reported to the reporting entity. These policies cover insured events that are reported (ap LIABILITY defined in the policy) within the effective dates of the policy, subject to retroactive dates and extended reporting periods when applicable. General Coverage for losses of an insured above a specific amount or a self-insurer for losses over a stated amount. Insures Y an individual or business against legal liabilities other than those associated with provision of health benefits to employees or members of a health benefit plan or managed care health plan General General Flexible & broad commercial liability coverage with two major sub-lines: premises/operations sub-line and products/completed operations sub-line. For general professional liability see P LIABILITY General General - P LIABILITY General General - Claims P LIABILITY General Completed Operations Completed Operations Policies provided to contractors covering liability to persons who have incurred bodily injury or property P LIABILITY General damage from defective work or operations completed or abandoned by or for the insured, away from the insured's premises Completed Operations - P LIABILITY General Completed Operations - Claims P LIABILITY General Comprehensive Personal Comprehensive Personal Comprehensive liability coverage for exposures arising P LIABILITY Personal coverage for exposures arising out of the residence premises and activities of individuals and family out of the residence premises and activities of individual and family members. (on-business liability exposure protection for individuals.) members. (on-business liability exposure protection for individuals.) Comprehensive Personal - P LIABILITY Personal coverage for exposures arising out of the residence premises and activities of individuals and family members. (on-business liability exposure protection for individuals.) Page 7

8 Contractual Comprehensive Personal - Claims P LIABILITY Personal coverage for exposures arising out of the residence premises and activities of individuals and family members. (on-business liability exposure protection for individuals.) Contractual coverage of an insured who has assumed the P LIABILITY Contractual coverage of an insured who has assumed the legal liability of another party by written or oral contract. legal liability of another party by written or oral contract. Includes a contractual liability policy providing coverage for all obligations and liabilities incurred by a service contract Incudes a contractual liability policy providing coverage provider under the terms of service contracts issued by the provider. for all obligations and liability incurred by a service contract or other contract provider under the terms of service contracts issued by the provider. Miscellaneous Day Care Centers Contractual Contractual - Claims P LIABILITY Contractual P LIABILITY Contractual Day Care Centers coverage for day care centers P LIABILITY General coverage of an insured who has assumed the legal liability of another party by written or oral contract. Includes a contractual liability policy providing coverage for all obligations and liabilities incurred by a service contract provider under the terms of service contracts issued by the provider. coverage of an insured who has assumed the legal liability of another party by written or oral contract. Includes a contractual liability policy providing coverage for all obligations and liabilities incurred by a service contract provider under the terms of service contracts issued by the provider. Miscellaneous Miscellaneous Day Care Centers - P LIABILITY General Day Care Centers - Claims P LIABILITY General Directors & Officers Elevators and Escalators Employee Benefit Directors & Officers coverage protecting directors or officers of a P LIABILITY Directors & corporation from liability arising out of the performance o their professional duties on behalf of the corporation. Officers (Management ) Directors & Officers - P LIABILITY Directors & Officers (Management ) Directors & Officers - P LIABILITY Directors & Claims Officers (Management ) Elevators and Escalators Liab coverage for bodily injury or property damage P STEAMBOILER AD LEAKAGE Elevators & arising from the use of elevators or escalators operated, Escalators maintained or controlled by the insured Elevators and Escalators Liab - P STEAMBOILER AD LEAKAGE Elevators & Escalators Elevators and Escalators Liab - P STEAMBOILER AD LEAKAGE Elevators & Claims Escalators Employee Benefit protection for an employer for claims arising fromp LIABILITY Employee provisions in an employee benefit insurance plan Benefit Plan / provided for the economic and social welfare of Fiduciary employees. Examples of items covered are pension plans, group life insurance, group health insurance, group disability income insurance, and accidental death and dismemberment. For fiduciary liability see coverage protecting directors or officers of a corporation from liability arising out of the performance of their professional duties on behalf of the corporation. coverage protecting directors or officers of a corporation from liability arising out of the performance of their professional duties on behalf of the corporation. coverage protecting directors or officers of a corporation from liability arising out of the performance of their professional duties on behalf of the corporation. Covers losses resulting from the malfunction of elevators and escalators. Y Steam Boiler & Sprinkler Leakage Covers losses resulting from the malfunction of elevators and escalators. Y Steam Boiler & Sprinkler Leakage Covers losses resulting from the malfunction of elevators and escalators. Y Steam Boiler & Sprinkler Leakage protection for an employer for claims arising from provisions in an employee benefit insurance plan provided for the economic and social welfare of employees. Coverage available to pay for liability arising out of the performa of professional or business related duties, with coverage being tailored to the needs of the Employee Benefit Plan Fiduciary Employers Employee Benefit Employee Benefit - Claims P LIABILITY Employee Benefit Plan / Fiduciary P LIABILITY Employee Benefit Plan / Fiduciary Employers Employers' liability coverage for the legal liability of employers arising out of injuries to employees. This cod should be used when coverage is issued as a standalone P LIABILITY Employers policy, or as an endorsement to a package policy. When this coverage is issued as an endorsement to a statutory workers' compensation policy, the appropriate "Workers' " code should be used (i.e., Code ). protection for an employer for claims arising from provisions in an employee benefit insurance plan provided for the economic and social welfare of employees. Coverage available to pay for liability arising out of the performa of professional or business related duties, with coverage being tailored to the needs of the Employee Benefit Plan Fiduciary. protection for an employer for claims arising from provisions in an employee benefit insurance plan provided for the economic and social welfare of employees. Coverage available to pay for liability arising out of the performa of professional or business related duties, with coverage being tailored to the needs of the Employee Benefit Plan Fiduciary. Employers' liability coverage for the legal liability of employers arising out of injuries to employees. This code should be used when coverage is issued as a stand-alone policy, or as an endorsement to a package policy. When this coverage is issued as an endorsement to a statutory workers' compensation policy, the appropriate "Workers' " product should be used (i.e., P ) Employers - P LIABILITY Employers Employers - Claims P LIABILITY Employers Employers' liability coverage for the legal liability of employers arising out of injuries to employees. This code should be used when coverage is issued as a stand-alone policy, or as an endorsement to a package policy. When this coverage is issued as an endorsement to a statutory workers' compensation policy, the appropriate "Workers' " product should be used (i.e., P ). Employers' liability coverage for the legal liability of employers arising out of injuries to employees. This code should be used when coverage is issued as a stand-alone policy, or as an endorsement to a package policy. When this coverage is issued as an endorsement to a statutory workers' compensation policy, the appropriate "Workers' " product should be used (i.e., P ) Employment Practices Employment Practices protection for an employer providing personal P LIABILITY Employment injury coverage arising out of employment-related practices, personnel policies, acts, or omissions. Examples of claims such policies respond to are refusal to employ, termination, coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, and discrimination. Practices protection for an employer providing personal injury coverage arising out of employment-related practices, personnel policies, acts, or omissions. Page 8

9 Employment Practices - P LIABILITY Employment Practices protection for an employer providing personal injury coverage arising out of employment-related practices, personnel policies, acts, or omissions Employment Practices - Claims P LIABILITY Employment Practices protection for an employer providing personal injury coverage arising out of employment-related practices, personnel policies, acts, or omissions Environmental Pollution Environmental Pollution coverage of an insured to persons who have incurred bodily injury or property damage from acids, P LIABILITY Environmental Pollution fumes, smoke, toxic chemicals, waste materials or other pollutants Environmental Pollution P LIABILITY Environmental Pollution Coverage for third-party claims arising from either sudden or gradual releases of pollutants from insured locations. Coverage for third-party claims arising from either sudden or gradual releases of pollutants from insured locations Environmental Pollution Claims P LIABILITY Environmental Pollution Coverage for third-party claims arising from either sudden or gradual releases of pollutants from insured locations Fire Legal Fire Legal Coverage for property loss liability as the result of separate negligent acts and/or omissions of the insured that allows a spreading fire to cause bodily injury or P LIABILITY General property damage of others. An example is a tenant who, while occupying another party's property, through negligence causes fire damage to the property Fire Legal - P LIABILITY General Fire Legal - Claims P LIABILITY General Kidnap & Ransom Kidnap & Ransom coverage up to specific limits for payments P CRIME (BURGLARY & THEFT) Kidnap and demanded by kidnappers for the release of an insured Ransom held against his or her will Kidnap & Ransom Kidnap & Ransom - Claims P CRIME (BURGLARY & THEFT) Kidnap and Ransom P CRIME (BURGLARY & THEFT) Kidnap and Ransom Liquor Liquor Coverage for the liability of an entity involved in the retail P LIABILITY or wholesale sales of alcoholic beverages, or the serving of alcoholic beverages, to persons who have incurred bodily injury or property damage arising from an intoxicated person. General Coverage of expenses associated with kidnapping and/or ransom demands. Burglary & Forgery *Please note that if you are using ISO Crime and Fildelity Program you must also be licensed for Fidelity Coverage of expenses associated with kidnapping and/or ransom demands. Burglary & Forgery *Please note that if you are using ISO Crime and Fildelity Program you must also be licensed for Fidelity Coverage of expenses associated with kidnapping and/or ransom demands. Burglary & Forgery *Please note that if you are using ISO Crime and Fildelity Program you must also be licensed for Fidelity Liquor - P LIABILITY General Liquor - Claims P LIABILITY General Municipal Municipal coverage for the acts of a municipality. P LIABILITY General Municipal - P LIABILITY General Municipal - Claims P LIABILITY General uclear Energy Personal Injury uclear Energy Coverage for bodily injury and property damage liability P LIABILITY uclear Energy resulting from the nuclear energy material (whether or not radioactive) on the insured business's premises or in transit uclear Energy - P LIABILITY uclear Energy uclear Energy - Claims P LIABILITY uclear Energy Personal Injury Coverage for the liability of an insured for injury to persons, other than bodily injury. Examples include discrimination, false arrest, illegal detainment, libel, malicious prosecution, slander, suffering and mental anguish, and violation of privacy rights. P LIABILITY Personal Injury Coverage for bodily injury and property damage liability resulting from nuclear energy material on the insured business's premises or in transit. Coverage for bodily injury and property damage liability resulting from nuclear energy material on the insured Y business's premises or in transit. Coverage for bodily injury and property damage liability resulting from nuclear energy material on the insured Y business's premises or in transit. coverage for the insured in the event the insured's negligent acts and/or omissions result in libel, slander, invasion of privacy, or false arrest suit. Y Premises and Operations (OL&T and M&C) Personal Injury Personal Injury - Claims Premises and Operations (OL&T and M&C) P LIABILITY Personal Injury P LIABILITY Personal Injury Policies covering the liability of an insured to persons P LIABILITY who have incurred bodily injury or property damage on General an insured's premises during normal operations or routine maintenance, or from an insured's business operations either on or off of the insured's premises. coverage for the insured in the event the insured's negligent acts and/or omissions result in libel, slander, invasion of privacy, or false arrest suit. coverage for the insured in the event the insured's negligent acts and/or omissions result in libel, slander, invasion of privacy, or false arrest suit. Page 9

10 Premises and Operations (OL&T and M&C) - P LIABILITY General Premises and Operations (OL&T and M&C) - Claims P LIABILITY General Professional Errors and Omissions Professional Errors and Omissions Coverage available to pay for liability arising out of the P LIABILITY Professional performance of professional or business related duties, with coverage being tailored to the needs of the specific profession. Examples include abstracters, accountants, insurance adjusters, architects, engineers, insurance agents and brokers, lawyers, real estate agents, stockbrokers. / Errors & Omissions Coverage available to pay for liability arising out of the performance of professional or business related duties, with coverage being tailored to the needs of the specific profession Umbrella and Excess () Professional Errors and Omissions Professional Errors and Omissions - Claims Umbrella and Excess P LIABILITY Professional / Errors & Omissions P LIABILITY Professional / Errors & Omissions Coverage for the liability of a commercial venture above P LIABILITY Umbrella; Excess a specific amount set forth in a basic policy issued by th Umbrella; primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or Excess unknown gaps in basic coverages or self-insured retentions. ote: Does not include excess workers compensation insurance. Does include excess directors and officers and excess errors and omissions products. Coverage available to pay for liability arising out of the performance of professional or business related duties, with coverage being tailored to the needs of the specific profession. Coverage available to pay for liability arising out of the performance of professional or business related duties, with coverage being tailored to the needs of the specific profession. Coverage for the liability of a commercial venture above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions. ote: Does not include excess workers' compensation insurance Umbrella and Excess (Personal) Umbrella and Excess Umbrella and Excess - Claims Personal Umbrella and Excess on-business liability protection for individuals above a Personal Umbrella and Excess - P LIABILITY Umbrella; Excess Umbrella; Excess P LIABILITY Umbrella; Excess Umbrella; Excess P LIABILITY Umbrella; Excess Personal specific amount set forth in a basic policy issued by the Umbrella; primary insurer; or a self-insurer for losses over a stated Personal Excess amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions. Coverage for the liability of a commercial venture above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions. ote: Does not include excess workers' compensation insurance. Coverage for the liability of a commercial venture above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions. ote: Does not include excess workers' compensation insurance. on-business liability protection for individuals above a specific amount set forth in a basic policy issued by the primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown gaps in basic coverages or self-insured retentions. P LIABILITY Umbrella; Excess Personal on-business liability protection for individuals above a specific amount set forth in a basic policy issued by the Umbrella; primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown Personal Excess gaps in basic coverages or self-insured retentions Personal Umbrella and Excess - Claims P LIABILITY Umbrella; Excess Personal on-business liability protection for individuals above a specific amount set forth in a basic policy issued by the Umbrella; primary insurer; or a self-insurer for losses over a stated amount; or an insured or self-insurer for known or unknown Personal Excess gaps in basic coverages or self-insured retentions. X - Form; Rate; X - Form; Rate; X - Form; Rate; Other Other Other not specifically described above. /A /A /A /A /A /A /A /A /A Other - /A /A /A /A /A /A /A /A /A Other - Claims /A /A /A /A /A /A /A /A /A Veterinarian Veterinarian coverage for the acts of a veterinarian. P LIABILITY General Veterinarian - P LIABILITY General Veterinarian - Claims P LIABILITY General Internet Internet arising out of claims for wrongful acts related to P LIABILITY Internet arising out of claims for wrongful acts related to the content posted on a website by the insured or the the content posted on a website by the insured or the insured's failure to maintain the security of its computer systems. insured's failure to maintain the security of its computer systems Internet - P LIABILITY Internet arising out of claims for wrongful acts related to the content posted on a website by the insured or the insured's failure to maintain the security of its computer systems Internet - Claims P LIABILITY Internet arising out of claims for wrongful acts related to the content posted on a website by the insured or the insured's failure to maintain the security of its computer systems. Page 10