OREGON MUTUAL INSURANCE COMPANY COMMERCIAL LINES MANUAL DIVISION FOUR FARM RATES

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1 36. FARM PROPERTY COVERAGE - BASE PREMIUM COMPUTATION FARM COMBINATION COVERAGE OWNERS POLICY C. Dwellings, Other Private Structures Appurtenant to Dwellings, Household Personal Property and Loss of Use Causes Of Loss (Form ) Key s Entire State Basic (1) Broad (2) Special/Broad (3) Special (6) $250 Deductible ( 04); Frame Construction ( 1); 10 Protection ( 10); Type 1 Dwelling Multiply the Key Premium by a Key Factor based on the Coverage A limit of insurance. Multiply the resulting premium by modification factors based on type, construction, protection and non-owner occupancy as appropriate. Refer to the State Rules pages for key factors and modification factors. NOTE: Special/Broad Key s refer to selection of Special Causes of Loss for Coverage A and B property and Broad Causes of Loss for Coverage C property, subject to appropriate Declarations entry. Table 36.C. 1 (R) Farm Tenants Household Personal Property and Loss of Use (Additional Living Expense Only) s Causes Of Loss Coverage C Limit of Insurance Basic Broad Special * $ 5, * $ 6, * $ 7, ** $ 8, ** $ 9, ** $10, $12, $14, $16, $18, $20, $22, $24, $26, Each additional $1, $250 Deductible ( 04); Frame Construction ( 1); 10 Protection ( 10); Type 1 Dwelling * Type 3 Dwelling Only ** Type 2 or 3 Dwelling Only Multiply the premium by modification factors based on type, construction, protection as appropriate. Refer to the State Rules pages for type, construction, and protection modification factors. Table 36.C. 2 (R) October 2016 Washington R-1

2 36. FARM PROPERTY COVERAGE - BASE PREMIUM COMPUTATION OTHER THAN FARM COMBINATION COVERAGE OWNERS AND TENANTS POLICIES C. Farm Dwellings, Other Private Structures Appurtenant to Dwellings, Household Personal Property and Loss of Use Causes Of Loss Coverage A or Coverage C s Basic Broad Special Type 1 Dwelling Type 1 Household Personal Property Type 2 Dwelling Type 2 Household Personal Property Type 3 Dwelling Type 3 Household Personal Property Mobile Homes Dwelling Mobile Homes Household Personal Property Per $1,000 of Insurance; $250 Flat Deductible ( 04); Frame Construction ( 1); 10 Protection ( 10) Multiply the premium by the limit of insurance in thousands. Multiply the resulting premium by modification factors based on construction and protection as appropriate. Refer to the State Rules pages for construction and protection modification factors. Table 36.C. 3 (R) R-2 Washington October 2016

3 36. FARM PROPERTY COVERAGE - FARM PERSONAL PROPERTY (INCL. LIVESTOCK & MACHINERY) AND FARM INLAND MARINE* LIVESTOCK & MACHINERY C. Coverage E- Farm Personal Property and Farm Inland Marine s Causes of Loss Basic Broad Special Coverage E or Farm Inland Marine Equine Tack *** Grain In metal structures ** Grain In other structures Grain In the open 8.37 N/A N/A Hay, Straw, Fodder, Forage Crops In Structures Hay, Straw, Fodder, Forage Crops In The Open N/A N/A Blanket Livestock *** N/A Scheduled Livestock *** N/A Blanket Machinery, Vehicles, Implements *** Scheduled Machinery, Vehicles, Implements *** Scheduled Cotton Pickers & Combines *** Scheduled Irrigation Equipment*** Turkeys, In and Outside of Buildings N/A Poultry, In and Outside of Buildings N/A Trays, Boxes and Box Shook Wool Products, Farm & Dairy NOC Farm Property NOC Blanket Farm Property NOC Scheduled Potatoes Green Fruit Per $1,000 of Insurance; $250 Flat Deductible ( 04); 10 Protection ( 10) Multiply the rate by the limit of insurance in thousands. Multiply the resulting premium by modification factors for protection and farm combination coverage as appropriate. Refer to the State Rules pages for the modification factors. * Farm Inland Marine (FP 00 30, FP 00 40): For Livestock use BASIC rates or, if endorsement FP applies, BROAD rates. For Machinery, use SPECIAL rates. ** Refer to Rule 35.C.1. *** Protection modification factors do not apply to Equine Tack, Livestock or Machinery. Table 36.C. 4 (R) October 2016 Washington R-3

4 36. FARM PROPERTY COVERAGE UNSCHEDULED FARM PERSONAL PROPERTY C. Coverage F Unscheduled Farm Personal Property s Causes of Loss Basic Broad Special Coverage F Limits $0 - $25, $25,001 - $100, $100,001 - $150, $150,001 - $200, Over $200, Per $1,000 of Insurance; $250 Flat Deductible ( 04); 10 Protection ( 10) Multiply the rate by the limit of insurance in thousands. Multiply the resulting premium by modification factors for protection and farm combination coverage as appropriate. Refer to the State Rules pages for the modification factors. Table 36.C. 5 (R) R-4 Washington October 2016

5 36. FARM PROPERTY COVERAGE - OTHER FARM STRUCTURES C. Coverage G Other Farm Structures s Causes of Loss Basic Broad Special Coverage G Barns, Dairy Barns, Stables, Outbuildings Type 1 * Barns, Dairy Barns, Stables, Outbuildings Type 2 * Barns, Dairy Barns, Stables, Outbuildings Type 3 (Including Portable Buildings) * Fences, Corrals, Chutes Power and Light Poles, Wiring Greenhouses Green Fruit Cold Storage Warehouses and/or Packing Buildings Not Exceeding 10,000 Square Feet Of Ground Floor Area Incubator, Brooder, Poultry Houses Without Heat Or With Central Heat, Or Heat From Outside Type Incubator, Brooder, Poultry Houses Without Heat Or With Central Heat, Or Heat From Outside Type Incubator, Brooder, Poultry Houses Without Heat Or With Central Heat, Or Heat From Outside Type Incubator, Brooder, Poultry Houses With Heat Other Than Above Potato Cellars Potato Houses Radio and TV Equipment Outdoor Silos Type 1 * Silos Type 2 * Silos Type 3 * Tanks Windmills, Windchargers, Windpumps, Solar Panels Per $1,000 of Insurance; $250 Flat Deductible ( 04); Frame Construction ( 1); 10 Protection ( 10) Multiply the rate by the limit of insurance in thousands. Multiply the resulting premium by modification factors for construction, protection and farm combination coverage as appropriate. Refer to the State Rule pages for the modification factors. * Refer to Rules 35.C. and 35.D. for minimum Limits of Insurance Table 36.C. 6 (R) October 2016 Washington R-5

6 36. ADDITIONAL OR REDUCED PREMIUM COMPUTATION D. Credit Cards, Electronic Fund Transfer Cards Or Other Access Devices, Forgery And Counterfeit Currency Limit Of Insurance $1, , , , , Table 36.D.2.b.(R) Glass Coverage - Breakage Of Cab Glass Basis Of Additional Premium Each piece of equipment Table 36.D.3.b.(3)(R) Coverage D Loss Of Use Increased Limit Basis Of Additional Premium Each $1,000 of increase 4.35 Table 36.D.4.b.(R) Household Personal Property Farm Combination Coverage - Increased Limits Of Insurance Basis Of Additional Premium Each $1,000 of increase 4.35 Table 36.D.6.a.(R) Scheduled Personal Property Kind Of Property Jewelry Furs 5.56 Cameras Musical Instruments 8.73 Silverware/Goldware 2.78 Golfers Equipment Fine Arts 5.56 Postage Stamps 8.73 Rare and current coins Firearms s per $1,000 of Insurance Table 36.D.7.(R) Rental To Others Theft Coverage Basis Of Additional Premium Each Residence Premises To Which The Coverage Applies s per $1,000 of Insurance Table 36.D.8.(R) R-6 Washington October 2016

7 36. ADDITIONAL OR REDUCED PREMIUM COMPUTATION (Cont.) Business Property Basis Of Additional Premium Each $1,000 of increase Table 36.D.9.(R) Spoilage Coverage Perishable Farm Personal Property s per $1000 of Insurance (A) (B) Both (A), (B) * * * * ** ** (A) = Breakdown/Contamination Only (B) = Public Power Outage Only Deduct from rate if Refrigeration Maintenance Agreement is applicable. Deduct from rate if Refrigeration Maintenance Agreement is applicable. Table 36.D.13.d.(2)(R) Farm Computer Coverage Basis Of Additional Premium Each $1, Table 36.D.26.c.(R) Motorized Golf Cart Coverage Level Of Coverage Physical damage, except collision Physical damage, including collision Table 36.D.29.f.(1)(R) Assisted Living Care Coverage Basic Limits Use a rate of $ per living unit. Table 36.D.32.c.(1)(R) Increased Limits Coverage C and/or Coverage H Coverage Multiply By To Obtain C Each $1,000 Of Increase The Amount To Be Added To The Basic Limits H ILF 1 of $ per living unit. For the ILF (Increased Limits Factor), see Table 37.D.3.a. in the Rules pages. Table 36.D.32.c.(2)(R) Decreased Limits Coverage H Only Multiply By To Obtain $ DLF Amount To Be Subtracted From The Basic Limits of $ per living unit. For the DLF (Decreased Limits Factor), see Table 37.D.3.a. in the Rules pages. Table 36.D.32.c.(3)(R) October 2016 Washington R-7

8 36. ADDITIONAL OR REDUCED PREMIUM COMPUTATION (Cont.) Examples Of Calculation of Assisted Living Care Coverage EXAMPLE #1 INCREASED LIMITS FOR COVERAGE C Given: $15,000 Of Increase For Coverage C $ ($15,000 divided by $1,000 = 15; 15 times $14.97 = $224.55) $ EXAMPLE #2 INCREASED LIMITS FOR COVERAGE C AND COVERAGE H Given: $15,000 Of Increase For Coverage C, And $200,000/$600,000 Occurrence/Aggregate Limits For Coverage H $ ($15,000 divided by $1,000 = 15; 15 times $14.97 = $224.55) (1.19 minus 1 = 0.19; $37.14 times 0.19 = $7.06) $ EXAMPLE #3 DECREASED LIMITS FOR COVERAGE H Given: $25,000/$50,000 Occurrence/Aggregate Limits For Coverage H $ (1 minus 0.72 = 0.28; $37.14 times 0.28 = $10.40) $ Table 36.D.32.c.(4)(R) Increased Limits for Coverage A Dwellings - Unit-Owners Coverage Basis Of Additional Premium Each $1,000 of increase $4.35 Table 36.D.33.f.(2)(a)(R) Identity Fraud $55.71 Table 36.D.35.d.(R) R-8 Washington October 2016

9 37. FARM LIABILITY COVERAGE Fire Damage Legal Liability (Premises Rented To Insured As Tenant) ( 01997) Total Fire Damage Limit Credit Or Surcharge To $ 50, * 200, , , , , Each Add l $50, Credit applies only to policies with an "Each Occurrence" limit of $100,000 or more for Coverage H. Table 37.D.3.c.(R) October 2016 Washington R-9

10 37. FARM LIABILITY COVERAGE (Cont.) Premium Computation Basic Limit ** Basic Limit ** Coverage H/I Coverage J Coverage H/I Coverage J (a) N/A N/A N/A N/A N/A N/A * * * * * * * * * * * * * * (a) (a) * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * (a) (a) * See state specific rates (Table 37.F.(R)) ** Basic limits are detailed in Paragraph 37.D.2. in the Farm rules. (a) Refer to Company. $10,000 Medical Limit Coverage Add $7.75 surcharge to Coverage J Basic Limit. Table 37.E.(R) R-10 Washington October 2016

11 37. FARM LIABILITY COVERAGE (Cont.) Premium Computation (State Specific) Coverages H and I: $100,000 Occurrence $200,000 Aggregate ( 55) Coverage M: $25,000 Aggregate ( 48) Coverage J: $5,000 Per Person/Each Occurrence ( 55) Coverage J: $10,000 Per Person/Each Occurrence ( 55) Surcharge Table 37.F.(R) Pollution Liability Options - Chemical Drift Liability ( 01998) Limit of Liability Premium $ 25,000 Included 50, , , , , ,000, Table 37.O.1.(R) Pollution Liability Options Limited Farm Pollution Liability ( 01999) Limit of Liability Premium $ 25, , , , , , ,000, Table 37.O.3.(R) October 2016 Washington R-11

12 37. FARM LIABILITY COVERAGE (Cont.) Limited Crop Dusting Coverage ( 01360) Limit of Liability per 1,000 Minimum Premium $ 25, $ , , , , , ,000, Table 37.P.3.(R) All Terrain Vehicles (class code 07995) Limit of Liability Cov. H/I per ATV $ 100, , , , ,000, Table 37.U.2.(R) Waiver of Transfer Rights of Recovery Against Others to Us $ Table 37.V.3.(R) R-12 Washington October 2016

13 38. CGL FARM LIABILITY CGL Farm Liability Premium Computation Coverage A/B Basic Limit Coverage C Basic Limit Medical Payments Coverage A/B Basic Limit Coverage C Basic Limit Medical Payments (a) N/A N/A N/A N/A * N/A * N/A * N/A (a) N/A N/A N/A * * * * (a) (a) * * * * * * * * * * * * * * * * * * * * * * N/A * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * See State Specific s. Medical Payments Coverage does not apply. (a) Refer to Company. $10,000 Medical Limit Coverage Add $7.75 surcharge to Coverage C Basic Limit Medical Payment. Table 38.F.(R) October 2016 Washington R-13

14 38. CGL FARM LIABILITY (Cont.) CGL Farm Liability Premium Computation (State Specific) Coverages A and B: $100,000 Occurrence $200,000 Aggregate ( 55) Coverage M: $25,000 Aggregate ( 48) Table 38.G.1.d. - 1(R) CGL Farm Liability Premium Computation (State Specific) Coverage C: $5,000 Per Person Each Occurrence ( 55) Coverage C: $10,000 Per Person Each Occurrence ( 55) Surcharge Table 38.G.1.d. 2 (R) Grazing Away From Premises Basic Limits s, Coverages A and B: $100,000 Occurrence $200,000 Aggregate ( 55) Table 38.L.2.(R) Pollution Liability Options - Chemical Drift Liability ( 01998) Limit of Liability Premium $ 25,000 Included 50, , , , , , Table 38.N.1.(R) R-14 Washington October 2016

15 38. CGL FARM LIABILITY (Cont.) Pollution Liability Options Limited Farm Pollution Liability ( 01999) Limit of Liability Premium $ 25, , , , , , ,000, Table 38.N.2.(R) All Terrain Vehicles (class code 07995) Limit of Liability Coverage H/I per ATV $ 100, , , , ,000, Table 38.Q.2.(R) Limited Crop Dusting Coverage ( 01360) Limit of Liability per $1,000 Minimum Premium $ 25, $ , , , , , ,000, Table 38.R.3.(R) Additional Interests ( 92689) Form/Description CG Retailers/Wholesales $38.00 All Other $13.00 Table 38.U.1.b.(R) ( 92690) Form CG $25.00 Table 38.U.2.b.(R) October 2016 Washington R-15

16 38. CGL FARM LIABILITY (Cont.) General Liability Cluster Endorsement ( 92691) $ Flat Charge Table 38.V.3.(R) Equine Care, Custody or Control Coverage ( 92692) Limit of Liability Per Animal/ Per Occurrence/Aggregate up to 20 Animals Each Over 20 Animals $ 5,000/25,000/25,000 $ ,000/50,000/50, ,000/50,000/50, ,000/100,000/100, ,000/100,000/100, ,000/100,000/100, ,000/250,000/250, ,000/250,000/250, ,000/500,000/500, ,000/500,000/500, Table 38.X.4.(R) Equine Training, Lessons or Instructions ( 92693) Base Limit of Liability Per $1,000 Receipts Minimum Premium $100,000 $90.00 $ For increased limits, Optional Limits Factor applies to the Minimum Premium. Table 38.Y.3.(R) 43. ADDITIONAL OREGON MUTUAL RULES Dairy Farm Cluster $66.68 Table 43.B.3.(a)(R) Employee Benefit Liability Per Employee Minimum Premium $2.78 $75.00 Table 43.D.3.(a)(R) Farm Commercial Cluster $ Table 43.F.3.(a)(R) R-16 Washington October 2016

17 43. ADDITIONAL OREGON MUTUAL RULES (Cont.) Winery Cluster Endorsement $92.36 Table 43.K.3.(a)(R) Winery Cluster Extension Unexpected Wine Contamination per $1,000 $7.11 Table 43.M.3.(a)(R) Winery Cluster Extension Unexpected Wine Oxidation per $1,000 $7.11 Table 43.N.3.(a)(R) Winery Special Cluster $ Table 43.O.3.(a)(R) Orchard and Vineyard Growers Endorsement $ Table 43.Q.3.(R) Trampolines ( 92694) Base Limit of Liability Flat Charge $100,000 $ For higher limits, apply Optional Limits Factor Table 43.T.3.(R) October 2016 Washington R-17