CONEMAUGH VALLEY MUTUAL INSURANCE COMPANY JOHNSTOWN, PENNSYLVANIA INLAND MARINE POLICY PROGRAM
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1 CONEMAUGH VALLEY MUTUAL INSURANCE COMPANY JOHNSTOWN, PENNSYLVANIA INLAND MARINE POLICY PROGRAM
2 CONEMAUGH VALLEY MUTUAL INSURANCE COMPANY INLAND MARINE MANUAL Rule No. 1. ELIGIBILITY: This manual contains rules, classifications, and rates for writing Inland Marine Insurance. Regulated Classes- Accounts Receivable Boats Camera Coins Computer Coverage Fine Arts Furs Guns Installation Floater Jewelry Livestock Miscellaneous Property Floater Mobile Farm Machinery & Equipment Floater Musical Instruments Personal Effects Property of Others Satellite Dish Antenna Silverware Stamps Surveyors Floater Tools & Equipment Coverage Transit Coverage Valuable Papers ED. 5/1/08 1
3 2. MINIMUM LIMIT & MANDATORY FORMS: MINIMUM LIMIT-NONE MANDATORY FORMS-MR20, ALLE-10 Appropriate Coverage Section MINIMUM PREMIUMS: All policies are subject to a minimum earned or retained policy fee of $ GENERAL RULES: 3-a CANCELLATION If insurance is cancelled or reduced at the request of the company or the insured, the earned premium shall be computed on a pro-rata basis. 3-b CONTINUOUS RENEWAL-ML-430 Policy is written on a continuous renewal basis, attach form ML c COVERAGES OTHER PROGRAMS If is permissible to attach any filed form offering supplemental coverage not included in this section. The appropriate rates are to be used. 3-d DEDUCTIBLES Inland Marine forms contain a blank where the deductible amount is to be shown. Rates are shown for certain deductible levels on the rate pages. Other optional deductibles are shown in the Premium Section of the manual. 3-e MAXIMUM AND MINIMUM CHARGES A fully earned $100 policy writing minimum premium applied to this program. No additional premium shall be charged and no return premium shall be allowed when such additional or return premium is less than $5.00. Unless the policyholder specifically requests that premium less than $5.00 is to be returned to the policy holder. ED. 5/1/08 2
4
5 3-f RATE REVISIONS The revised rates shall apply to all policies, endorsements, and binders having inception dates on and subsequent to the effective date of revisions, except that renewals of policies having inception dates within 45 days after the date of announcement may be written at the rates prevailing immediately prior to announcement of revisions. 3-g RESTRICTION OF INDIVIDUAL POLICIES If a policy would not be issued because of unusual exposures, the applicant may request a restriction of the policy at no reduction in the premium. The request, bearing the signature of the applicant, shall be referred to the Company. 3-h TRANSFER CREDIT In the event that a policy is transferred from a licensed insurance company that we are acquiring, a maximum discount up to 20% will be applied to match the expiring premium in order to minimize the impact on the insured. The discount will be reduced at future renewals or removed in the event of a rate change that eliminates the need for the discount. The reduction on the first renewal will be 50% with the balance of the discount removed at the second renewal. 3-i WHOLE DOLLAR PREMIUM 4. RATING: The premium for each exposure shall be rounded to the nearest whole dollar or separately for each coverage provided by the policy. Regulated and Unregulated (if any) rates 1. Obtain rate for classification at appropriate deductible level. 2. Adjust for optional higher deductible. 3. Multiply rate with appropriate deductible by amount of insurance to obtain annual premium. 4. Annual premium shall not be less than the minimum premium. See Minimum Premium description in this manual. ED. 03/01/17 3
6 CLASSIFICATION FORM NO. Rates per $1,000 of Insurance DEDUCTBILE AMOUNT $0 $100 $250 Accounts Receivable MR $2.50 Boat-Hull Coverage MR-51 $16.00 $14.40 (Physical Damage, No Jet Ski or similar watercraft) Camera-Non Commercial MR-53 $13.50 $12.15 Coins MR-53 $17.00 $15.30 Computer Coverage Personal MR-61A $12.00 $10.80 Commercial MR-61A $12.00 Exhibition Floater Excludes Theft MR Includes Theft MR Fine Arts With Breakage MR-53 $6.00 $5.40 Without Breakage MR-53 $3.00 $2.70 Furs MR-53 $9.00 $8.10 Guns MR-56 $36.00 $32.40 Installation Floater MR-76 Causes of Loss Not Excluded $10.00 MR-75 Specified Causes of Loss $7.00 Jewelry MR-53 $20.00 $18.00 Livestock Scheduled-All Other MR-33 $4.70 $4.20 $3.78 Blanket-All Other MR-32 $5.25 $4.70 $4.23 Turkey $9.00 $8.10 Sheep $9.00 $8.10 Emu/Ostrich $9.00 $8.10 Contact Company for specific MISCELLANEOUS PROPERTY MR-54 rates. ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED POLICY FEE OF $ ED. 5/1/08 6
7 MOBILE FARM MACHINERY Rates per $1,000 of Insurance CLASSIFICATION FORM NO. DEDUCTBILE AMOUNT $0 $100 $250 Schedule MR-41or CVMIC-MR-41B $4.70 $4.23 Blanket MR-41 $6.30 $5.67 Antique & Classic Scheduled CVMIC-MR-41B $3.30 $3.00 MUSICAL INSTRUMENTS MR-90 $5.00 $4.50 (Non Professional, less than $1,000/year remuneration) PERSONAL EFFECTS MR-53 $10.00 $9.00 (If class not listed, contact office) PROPERTY OF OTHERS MR-54 $10.00 In Care, Custody & Control SATELLITE DISH ANTENNA MR-82 $15.00 $13.50 SILVERWARE MR-53 $4.50 $4.05 STAMPS MR-53 $9.00 $8.10 SURVEYORS FLOATER MR-101 $10.00 TOOL & EQUIPMENT FLOATER TRANSIT COVERAGE MR-79 Theft Included Theft MR-78 Excluded 9.00 MR-80 Specified Causes of Loss 7.00 MR-104 MR-106 Causes Not Excluded $10.00 Specified Causes $8.00 VALUABLE PAPERS Scheduled MR-87 $8.00 Blanket MR-86 $10.00 DEDUCTIBLES - (with $100 Ded. Rates) $250-10% Credit $500-15% Credit $1,000-20% Credit DEDUCTIBLES ALL POLICIES ARE SUBJECT TO A MINIMUM EARNED OR RETAINED POLICY FEE OF $ ED. 7/01/13 5
8 CVMIC Mandatory & Options Forms Inland Marine Edition Mandatory Date Description MR-20 PA (2/08) Inland Marine Policy ALLE10 (6/02) Amend. End.- Taking out INFO ONLY Privacy (5/01) CVMIC Privacy Notice Optional MR-31 (10/02) Specific Livestock Form MR-31A (10/02) Specific Livestock Form MR-32 (10/02) Blanket Livestock Form MR-32A (10/02) Blanket Livestock Form MR-33 (10/02) Pro-Rata Livestock Form MR-33A (10/02) Pro-Rata Livestock Form MR-34 (5/89) Livestock Breeders Equip. Form MR-41 (5/89) Mobile Farm Mach & Equipment Form MR-41A MR-41B (7/13) Mobile Farm Mach & Equipment Form MR-45 (5/89) Change Endorsement MR-51 (8/94) Boats MR-51A (7/93) Boat Coverage Enhancement MR-52 (5/89) Miscellaneous Property Floater MR-53 (5/89) Personal Articles Coverage MR-54 (1/90) Miscellaneous Property Floater MR-56 (9/92) Sports Equipment Floater MR-57 (9/92) Deferred Payment Floater MR-58 (9/92) Exhibition Floater MR-59 (9/92) Exhibition Floater MR-60 (9/92) Pedigreed Animals Floater MR-61 (5/89) Computer Coverage MR-61A (1/95) Computer Coverage MR-71 (5/89) Contractor's Equipment Form MR-72 (5/89) Contractor's Equipment Form MR-73 (7/90) Repairman's Floater MR-74 (6/90) Equipment Rental Reimburse Agree. MR-75 (2/90) Installation Floater MR-76 (2/90) Installation Floater MR-78 (5/89) Tools & Equipment Coverage MR-79 (5/89) Tools & Equipment Coverage MR-80 (5/89) Tools & Equipment Coverage MR-81 (5/89) Additionally Acquired Property MR-82 (5/89) Satellite Antenna Coverage MR-83 (5/95) Radio & TV Towers & Equipment MR-84 PA (2/08) Amendatory MR-85 (5/89) Fine Arts Coverage MR-86 (5/89) Valuable Papers & Records MR-87 (5/89) Accounts Receivable MR-88 (5/89) Physicians & Surgeons Equipment ED. MR-89 5/1/08 (5/89) Signs 8
9 MR-90 (5/89) Musical Instruments MR-91 (1/90) Trailers MR-101 (2/90) Surveyor's Property Coverage MR-102 (3/92) Recreational Vehicles Physical Dam. MR-102A (6/98) Recreational Vehicles Physical Dam. MR-103 (5/92) Transit Coverage MR-104 (5/92) Transit Coverage MR-105 (5/92) Transit Coverage MR-106 (5/92) Transit Coverage MR-107 (1/93) Warehouseman's Form MR-108 (7/93) Scientific Instruments & Equipment MR-109 (4/94) Replacement Cost Endorsement MR-110 (4/94) Agreed Value Endorsement MR-111 (12/96) Information Systems Floater MR-112 (12/96) Supplemental Declarations MR-113 (6/98) Collectibles Floater MR-310 (4/84) Specific Livestock Form MR-320 (4/84) Blanket Livestock Form MR-321 (4/84) Blanket Livestock Form MR-330 (4/84) Pro-Rata Livestock Form MR-COM PA (2/08) Cancellation Provisions Commercial Lines MR-PERS PA (2/08) Cancellation Provisions Personal Lines
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