OREGON MUTUAL INSURANCE COMPANY BUSINESSOWNERS PROTECTOR PROGRAM STATE RATE PAGES

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1 CLASSIFICATION CODES Class Liability Increased Limits Owner Occupied/ Tenant Lessor s Risk CLASSIFICATIONS Class Code Building BPP Liability Adult Foster Homes Apartments (Must be classified as Lessor's Risk) 1 to 10 units per building N/A n/a to 30 units per building N/A n/a Over 30 units per building N/A n/a Appliances (including radio & TV) PD Deductible required unless LRO Art Galleries n/a Artists Supplies, Hobby Shops, Hobby & Model Makers Supplies Artists, Craft & Hobby Supplies - Wholesale Assisted Care Facility & Adult Day Care (Building & Contents) (Property Coverage Only For Owner) 1 to 10 units per building n/a to 30 units per building n/a Over 30 units per building n/a Auto Parts - Wholesale Auto Parts & Accessories - Retail Bakeries Bakeries - Wholesale Bakery Plants n/a Barber or Beauty Supply Distributors (No repackaging or re-labeling for "own brand" retail sales) Barber Shops Bath Accessory Shops Beauty Parlors & Nail Salons Bed & Breakfast (Building & Contents) n/a Beverage Bottler - Soft Drinks - Carbonated n/a Beverage Bottler - Soft Drinks - Non-Carbonated n/a Beverage Distributor Billiards & Games - Retail Bookbinding & Printing Supplies - Retail Bookbinding & Printing Supplies - Wholesale Books & Magazines Book & Periodical Distributor Box or Cardboard Mfg n/a Bridal Shops - Retail Camera Shops & Photographic Equipment - Retail Candy, Confectionery & Soda Stores Candy Mfg n/a Car Stereo Shops (Including Installation) - Retail PD Deductible required unless LRO Car Washes - PD Deductible required unless LRO Ceramics, Glassware, China & Pottery - Retail February 2017 Idaho BOPR-1

2 CLASSIFICATION CODES Class Liability Increased Limits Owner Occupied/ Tenant Lessor s Risk CLASSIFICATIONS Class Code Building BPP Liability Cheese Shops - Retail Children's & Infant's Wear China, Glassware, Ceramics & Pottery - Retail Clothing - Ladies, Men's, Girls and Boys (No high fashion or one-of-a-kind designer clothes) Clothing or Wearing Apparel - Wholesale Condominiums - Office or Merc. - Association Risk Condominiums - Residential - Association Risk Coffee Bar / Shops Including Espresso Carts Computer or Electronic Store - No Programming PD Deductible Required unless LRO Confectionery Candy & Soda Stores Convenience Mart - No Fuel - With Restaurant Convenience Mart - With Fuel - No Restaurant Convenience Mart - With Fuel - With Restaurant Convenience Mart - No Fuel - No Restaurant Copying & Duplicating Cosmetics, Toiletries & Perfumes Dairy Products - Ice Cream Stores Delicatessens (no cooking on premises except soup, microwave cooking & heating of beverages) Department Stores Distributors - Food & Drink Distributors - Food - Dry Dog Kennels Donut Shops Draperies Drug Stores & Apothecaries Dry Cleaning & Laundry Receiving Station Dry Goods (Including Fabrics, Yarn & Piece Goods) Educational & Schools Supply - Retail Educational & Schools Supply - Wholesale Electric Lighting Stores - Retail Electric Lighting Stores Wholesale Electrical Supply Distributor Electrical Wire or Cable Mfg n/a Electronics or Computer Store - No Programming PD Deductible Required unless LRO Engraving Equipment, Fixtures or Supplies Distributors - Office & Store Equipment Equipment, Fixtures or Supplies Distributors Restaurant, Bars, & Hotel Equipment Eye Glass Lens Mfg n/a BOPR-2 Idaho February 2017

3 CLASSIFICATION CODES Class Liability Increased Limits Owner Occupied/ Tenant Lessor s Risk CLASSIFICATIONS Class Code Building BPP Liability Fabrics Stores - Retail Fabrics Stores - Wholesale Feed Stores Fire Departments - Property Only Florists - Retail Florists - Wholesale Food Mfg - Jams & Jellies n/a Formal Wear - Retail Fuel Mart, Convenience Food - With Fuel - No Restaurant Fuel Mart, Convenience Food - With Fuel - With Restaurant Funeral Homes or Chapels Furniture ( including house furnishings - no refinishing, repair or secondhand merchandise) PD Deductible required unless LRO Garage Service Operations Auto Body Repair PD Deductible required unless LRO Garage Service Operations Mechanical Repair PD Deductible required unless LRO Gardening Supplies General Stores Gift - Nic-Nac Items - Distributor Gift, Religious, Souvenir Stores, Greeting Cards Glass, Paint & Wall Coverings Stores Grocery Store / Supermarket Grocery - Wholesale Hardware & Tool Stores - Wholesale Hardware Stores - Building materials, equipment & supplies (no equipment rental, no lumberyards) Health or Exercise Clubs Hearing Aid Stores Hobby Shops, Hobby & Model Makers Supplies - Retail Hobby, Craft & Artist Supply - Wholesale Home Furnishing & Household Appliance Distributor - Wholesale Hotels Building & Contents (Must be classified as LRO) 1 to 10 units per building n/a to 30 units per building n/a Over 30 units per building n/a Hotels with Restaurant n/a Household Appliance & Home Furnishing Distributor - Wholesale Household Appliances & Home Furnishings - Retail PD Deductible required unless LRO February 2017 Idaho BOPR-3

4 CLASSIFICATION CODES Class Liability Increased Limits Owner Occupied/ Tenant Lessor s Risk CLASSIFICATIONS Class Code Building BPP Liability Ice Cream - Dairy Products Stores Janitorial Supplies - Retail Janitorial Supplies - Wholesale Jewelry - Costume Only Kitchen Accessories Land Leased to Others - Per acre N/A N/A N/A N/A Leather Goods & Luggage (Not Clothing) - Retail Lessors Risk for Industrial Office Parks Lessors Risk Retail - NOC n/a Lessors Risk Wholesale - NOC n/a Lessors Risk Multiple Occupancy - Nonmanufacturing Maintained by the Insured n/a Libraries - Property Only Locksmiths Luggage & Leather Goods (Not Clothing) - Retail Machine Shops n/a Mail Box Mailing List Compiling, Packaging or Mail Box Operation or Direct Mailing Maternity Shops Meat, Poultry or Seafood - Retail Mini Storage Warehouses & Self Storage Facilities Building & Contents (Must be classified as LRO) n/a Mobile Phone & Pager Stores - Retail PD Deductible required unless LRO Motels Building & Contents (Must be classified as LRO) 1 to 10 units per building n/a to 30 units per building n/a Over 30 units per building n/a Motel with Restaurant n/a Musical Instrument Mfg n/a Music or Video Store - Recorded Musical Instruments Nail Salons & Beauty Parlors Newsstands Office Buildings Office - Dental Office - Financial Services Office - Lawyers Office - Medical Office Condominium - Unit Owners Office Furniture Mfg n/a Office Machine Mfg n/a BOPR-4 Idaho February 2017

5 CLASSIFICATION CODES Class Liability Increased Limits Owner Occupied/ Tenant Lessor s Risk CLASSIFICATIONS Class Code Building BPP Liability Office Machines or Appliance Distributors Office Machines, Equipment & Supplies (No Computers) Optical Goods - Wholesale Optical Goods Stores - Retail Packaging, Mail Box, Mailing List Compiling Operation or Direct Mailing Paint, Wall Coverings & Glass Stores (No Installations) Paper Distributing - Other than Stationary Parking Garages Perfume & Toiletries - Retail Perfume & Toiletries - Wholesale Pet Boarding - Domestic Animals Pet Food Mfg n/a Pet Grooming - Domestic Animals Pet Supplies - Retail Pet Supplies - Wholesale Phone & Accessories Mfg & Distribution n/a Photo Finishing - Quick Stop Photo Studios Photographic Equipment & Camera Shops - Retail Only Photographic Equipment Mfg n/a Picture Framing Shops - Retail (No Public Usage of Power Tools or Hand Saws) Pizza - Delivery & Take Out Only Printing Printing & Book Binding Supplies - Wholesale Printing & Book Binding Supplies - Retail Produce - Not wholesale Quick Lube Auto Service PD Deductible required unless LRO Radio, TV & Audio Equipment (Including Parts & Supplies) PD Deductible required unless LRO Refrigeration Equipment Mfg n/a Religious Goods - Retail Religious Goods - Wholesale Rental Dwellings n/a Restaurant - Buffet n/a Restaurant - Casual Dining with Lounge n/a Restaurant - Casual Dining without Lounge n/a Restaurants - Fast Food n/a Restaurants - Fine Dining n/a Seafood, Meat or Poultry - Retail February 2017 Idaho BOPR-5

6 CLASSIFICATION CODES Class Liability Increased Limits Owner Occupied/ Tenant Lessor s Risk CLASSIFICATIONS Class Code Building BPP Liability Sewing Machine Sales Sheet Music & Records (No paraphernalia) Shoe Distributor or Mfg n/a Shoe Repair Shops Shoes - Ladies, Men's, Children's (No Specialty Sports Stores) Sporting Goods or Athletic Equipment Stores (Including Apparel) Stationery or Paper Products - Wholesale Stationery Supplies Supermarkets / Grocery Store T-Shirt/Souvenirs with Screen Printing Tailors Telephone Stores Textile Distributor Textile Mfg n/a Tiles - Floor Covering Distributor Tiles - Floor Covering Retail Toy Stores - Retail (Do Not Bind) Trophy Stores Uniform & Linen Supply Vacant Building Vacant Land - Per Acre N/A N/A N/A N/A Vacation Rental Condo Vacation Rental Dwelling n/a Vacuum Cleaner Sales Variety Stores Veterinarian Office Video & Music Stores - Recorded Wall Coverings, Paint & Glass Stores (No Installation) Wigs Wine Shops With Tasting Room Wine Shops Without Tasting Room Wineries - Still or Sparkling n/a Wood Products Mfg n/a Wood Products Not Otherwise Classified - Retail (no refinishing, repair or secondhand merchandise) BOPR-6 Idaho February 2017

7 2. GENERAL RULES F. Policy Writing Minimum Premiums Policy Writing Minimum Premiums $ MANDATORY COVERAGES AND FORMS B.19. State Changes Endorsement BP Idaho Changes is to be attached to all policies issued to cover businesses located in the State of Idaho. 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES F.1.d. Building Base Rates Building Base Rates per $1000 of Limit Territory Base Rate 1 $ $ $3.284 F.1.g. Public Protection Factors Public Protection PC Class Factor 1 to F.1.h. Property Deductible Property Deductible $ $1, $2, $5, $10, $25, $50, $75, $100, February 2017 Idaho BOPR-7

8 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) F.1.f. Building Amount of Insurance F.1.j. Construction Building Amount of Insurance Construction (000's) Factor (000's) Factor Construction Type $ < Frame (Code 1) Masonry Non-Combustible (Code 4) Fire Resistive (Code 6) F.1.k. Building Sprinkler Factor Building Sprinkler Factor Factor F.2.c $1000 of Limit Territory Base Rates $ $ $ BPP Base Rates BPP Base Rates per BPP Base Rates per $1000 of Limit Liability Rated Separately Territory Base Rates $ $ $4.358 Over 5, BPP Base Rates Liability Rated BOPR-8 Idaho February 2017

9 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) F.2.e. BPP Amount of Insurance BPP Amount of Insurance (000's) No-Liab Liab Included (000's) No-Liab Liab Included $ < Limit Of Insurance Factor Over 5, F.2.k. Personal Property Sprinkler Factor Personal Property Sprinkler Factor Factor February 2017 Idaho BOPR-9

10 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) F.3. Liability Increased Limits Base Rates Liability Increased Limits Base Rates Owner Occupied/Tenant Territory 1M/2M 1M/3M 1M/4M 1M/5M 2M/4M 1 $0.265 $0.350 $0.369 $0.388 $ $0.265 $0.350 $0.369 $0.388 $ $0.265 $0.350 $0.369 $0.388 $0.584 Liability Increased Limits Base Rates Lessor's Risk Territory 1M/2M 1M/3M 1M/4M 1M/5M 2M/4M 1 $0.161 $0.211 $0.223 $0.235 $ $0.161 $0.211 $0.223 $0.235 $ $0.161 $0.211 $0.223 $0.235 $0.367 F.4. Swimming Pools Classification Charge per Pool Swimming Pools 500,000/1M 1M/2M 1M/3M 1M/4M 1M/5M 2M/4M $250 $275 $312 $356 $409 $498 F.5. Equipment Breakdown Coverages Equipment Breakdown Coverages Equipment Breakdown Charge 6.33% F.7.d Amount of Sales/Payroll Amount of Sales/Payroll (000's) Factor F.7.b. Liability Base Rate For Classes With Property and Liability Rated Separately Liability Base Rates per $1000 of Exposure $ < Territory Base Rates $ $ $ Over 2, BOPR-10 Idaho February 2017

11 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) F.8.i. Liability Increased Limits For Classes With Property and Liability Rated Separately I.1. Loss History Credit Liability Increased Limits Loss History Credit Occurrence/Aggregate No losses at any location $500,000/$1,000,000 $1,000,000/$2,000,000 $1,000,000/$3,000,000 $1,000,000/$4,000,000 $1,000,000/$5,000,000 $2,000,000/$4,000, I.2. Age of Building Credit or Surcharge Age of Building Credit or Surcharge Age of Building Age of Building I.3. Persistency Credit Persistency Credit Years with Company & over & over February 2017 Idaho BOPR-11

12 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) I.4. Fixed Expense Credit Fixed Expense Fixed Expense Premium Range Factor Premium Range Factor Less than $1, $2,658 - $2, $1,989 - $1, $2,676 - $2, $1,998 - $2, $2,693 - $2, $2,008 - $2, $2,711 - $2, $2,018 - $2, $2,729 - $2, $2,028 - $2, $2,747 - $2, $2,038 - $2, $2,766 - $2, $2,048 - $2, $2,785 - $2, $2,058 - $2, $2,804 - $2, $2,069 - $2, $2,823 - $2, $2,079 - $2, $2,842 - $2, $2,090 - $2, $2,862 - $2, $2,101 - $2, $2,882 - $2, $2,111 - $2, $2,903 - $2, $2,122 - $2, $2,923 - $2, $2,133 - $2, $2,944 - $2, $2,144 - $2, $2,966 - $2, $2,156 - $2, $2,987 - $3, $2,167 - $2, $3,009 - $3, $2,179 - $2, $3,031 - $3, $2,190 - $2, $3,054 - $3, $2,202 - $2, $3,077 - $3, $2,214 - $2, $3,100 - $3, $2,226 - $2, $3,124 - $3, $2,238 - $2, $3,148 - $3, $2,250 - $2, $3,172 - $3, $2,263 - $2, $3,197 - $3, $2,275 - $2, $3,222 - $3, $2,288 - $2, $3,247 - $3, $2,301 - $2, $3,273 - $3, $2,314 - $2, $3,299 - $3, $2,327 - $2, $3,326 - $3, $2,340 - $2, $3,353 - $3, $2,353 - $2, $3,381 - $3, $2,367 - $2, $3,409 - $3, $2,381 - $2, $3,438 - $3, $2,395 - $2, $3,467 - $3, $2,409 - $2, $3,496 - $3, $2,423 - $2, $3,526 - $3, $2,437 - $2, $3,557 - $3, $2,452 - $2, $3,588 - $3, $2,467 - $2, $3,620 - $3, $2,482 - $2, $3,652 - $3, $2,497 - $2, $3,685 - $3, $2,512 - $2, $3,718 - $3, $2,527 - $2, $3,752 - $3, $2,543 - $2, $3,787 - $3, $2,559 - $2, $3,822 - $3, $2,575 - $2, $3,858 - $3, $2,591 - $2, $3,894 - $3, $2,608 - $2, $3,932 - $3, $2,624 - $2, $3,970 - $4, $2,641 - $2, $4,009 - $4, BOPR-12 Idaho February 2017

13 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) I.4. Fixed Expense Credit Fixed Expense Fixed Expense Premium Range Factor Premium Range Factor $4,048 - $4, $8,314 - $8, $4,088 - $4, $8,486 - $8, $4,130 - $4, $8,665 - $8, $4,172 - $4, $8,852 - $9, $4,214 - $4, $9,047 - $9, $4,258 - $4, $9,251 - $9, $4,303 - $4, $9,465 - $9, $4,348 - $4, $9,688 - $9, $4,395 - $4, $9,923 - $10, $4,443 - $4, $10,169 - $10, $4,491 - $4, $10,427 - $10, $4,541 - $4, $10,699 - $10, $4,592 - $4, $10,986 - $11, $4,644 - $4, $11,288 - $11, $4,697 - $4, $11,608 - $11, $4,751 - $4, $11,946 - $12, $4,807 - $4, $12,304 - $12, $4,864 - $4, $12,685 - $13, $4,922 - $4, $13,089 - $13, $4,982 - $5, $13,521 - $13, $5,043 - $5, $13,982 - $14, $5,106 - $5, $14,475 - $15, $5,170 - $5, $15,005 - $15, $5,236 - $5, $15,574 - $16, $5,304 - $5, $16,189 - $16, $5,374 - $5, $16,854 - $17, $5,445 - $5, $17,577 - $18, $5,518 - $5, $18,363 - $19, $5,593 - $5, $19,224 - $20, $5,671 - $5, $20,170 - $21, $5,750 - $5, $21,213 - $22, $5,832 - $5, $22,370 - $23, $5,916 - $6, $23,660 - $25, $6,003 - $6, $25,109 - $26, $6,092 - $6, $26,746 - $28, $6,184 - $6, $28,612 - $30, $6,278 - $6, $30,757 - $33, $6,376 - $6, $33,251 - $36, $6,476 - $6, $36,184 - $39, $6,580 - $6, $39,686 - $43, $6,688 - $6, $43,937 - $49, $6,798 - $6, $49,209 - $55, $6,913 - $7, $55,918 - $64, $7,031 - $7, $64,746 - $76, $7,154 - $7, $76,884 - $94, $7,281 - $7, $94,622 - $122, $7,413 - $7, $123,000 - $175, $7,549 - $7, $175,693 - $307, $7,690 - $7, $307,369 - $1,226, $7,837 - $7, $1,226,879 and over $7,990 - $8,148 $8,149 - $8, February 2017 Idaho BOPR-13

14 5. PREMIUM DEVELOPMENT - MANDATORY COVERAGES (Cont.) I.5. Number of Late Payments Surcharge Number of Late Payments and Over I.6. Workers Compensation Waiver of Subrogation and Indemnity Agreement Credit Factor Workers Compensation Waiver of Subrogation and Indemnity Agreement Factor OPTIONAL COVERAGES A.4. Employee Dishonesty Limit $25,000 $50,000 $100,000 $250,000 $500,000 Employee Dishonesty 0 to 5 Employees Each Employee Over 5 $135 $12 $185 $15 $257 $17 $451 $19 $714 $20 A.5. Forgery or Alteration Limit $25,000 $50,000 $100,000 $250,000 $500,000 Forgery or Alteration 0 to 5 Employees Each Employee Over 5 $135 $12 $185 $15 $257 $17 $451 $19 $714 $20 A.6. Glass Deductible Waiver A.7. Money and Securities Glass Deductible Waiver Money and Securities Flat Charge $33 On Premises Off Premises Premium $10,000 $2,000 Included $10,000 $5,000 $22 $10,000 $10,000 $45 B.1. Damage to Premises Rented to You - Liability $25,000 $25,000 $137 Damage to Premises Rented to You - Liability Factor ENDORSEMENTS B.9. Additional Insured - Managers or Lessors of Premises Additional Insured Managers or Lessors of Premises Retailers/Wholesalers $50 All Other $17 B.15. Additional Insured - Vendors Additional Insured Factor - Each Vendor Factor 0.05 BOPR-14 Idaho February 2017

15 7. ENDORSEMENTS (Cont.) D. Art Dealer and Galleries Coverage Art Dealer and Galleries Coverage Loading per $1000 $2.77 Breakage per $1000 $1.66 E. Bed & Breakfast Supplemental Coverages For Comprehensive Personal Liability use the rates in table 7.G. Bed & Breakfast Supplemental Coverages Liability Limit Premium $500,000 $63 $1,000,000 $72 $2,000,000 $78 F. Businessowners Aggregate Limit of Insurance Per Location Endorsement Businessowners Aggregate Limit of Insurance Per Location Endorsement Factor per Location 0.01 G. Businessowners Comprehensive Personal Liability Bed & Breakfast Supplemental Coverages Liability Limit Premium $500,000 $64 $1,000,000 $70 $2,000,000 $78 H. Businessowners Food Contamination Coverage Businessowners Food Contamination Coverage Charge per Location $28 Increased Food Contamination per $1000 $4.226 Increased Advertising Expense per $1000 $1.055 I. Businessowners Food Contamination Contingent Business Income Businessowners Food Contamination Contingent Business Income Limit of Liability First Owned Location Each Additonal Owned Location $25,000 $83 $66 $50,000 $111 $83 $100,000 $222 $166 $300,000 $555 $416 $500,000 $887 $665 $1,000,000 $1,109 $831 February 2017 Idaho BOPR-15

16 7. ENDORSEMENTS (Cont.) J. Businessowners Liability (Section II) Exclusion Businessowners Liability (Section II) Exclusion Credit 25% L. Cluster Endorsement - Standard First Cluster Endorsement - Standard Each Additonal First Each Additonal Deductible Location Location Deductible Location Location $500 $81 $24 $25,000 $62 $19 $1,000 $77 $23 $50,000 $60 $18 $2,500 $74 $22 $75,000 $59 $18 $5,000 $71 $22 $100,000 $57 $17 $10,000 $64 $19 M. Cluster Endorsement - Special First Cluster Endorsement - Special Each Additonal First Each Additonal Deductible Location Location Deductible Location Location $500 $142 $29 $25,000 $111 $23 $1,000 $137 $28 $50,000 $105 $22 $2,500 $129 $27 $75,000 $104 $22 $5,000 $127 $26 $100,000 $101 $20 $10,000 $113 $24 N. Cluster Endorsement - Xtreme First Cluster Endorsement - Xtreme Each Additonal First Each Additonal Deductible Location Location Deductible Location Location $500 $320 $65 $25,000 $250 $52 $1,000 $308 $63 $50,000 $236 $50 $2,500 $290 $61 $75,000 $234 $50 $5,000 $286 $59 $100,000 $227 $45 $10,000 $254 $54 When liability coverage is excluded from the policy, reduce the above charge(s) by 10%. O. Cluster Endorsement Extension - Accounts Receivable Cluster Endorsement ExtensionAccounts Receivable Factor Accounts Receivable Factor 0.05 BOPR-16 Idaho February 2017

17 7. ENDORSEMENTS Q. R. Class S. Cluster Endorsement Extension - Personal Property Off Premises Cluster Endorsement Extension Personal Property Off Premises Personal Property Off Premises Charge Cluster Endorsement Extension - Spoilage With Refrigeration Maintenance Agreement $60 Cluster Endorsement Extension - Spoilage - Flat Charge Breakdown or Contamination Without Refrigeration Maintenance Agreement Both Breakdown or Contamination & Power Outage With Refrigeration Maintenance Agreement Without Refrigeration Maintenance Agreement Power Classification Description Outage Rating Basis Code Bakery Goods Bakery Plants Bed & Breakfast Candy Manufacturing Cheese Shops Delicatessens $287 $400 $173 $400 $516 Distributors - Food - Dry Fruits & Vegetables Restaurants Wine Shops Adult Care Convenience Food Store Dairy Products (No Ice Cream Distributors - Food and Drink $343 $460 $184 $460 $590 Food Mfg - Jams & Jellies Grocery Stores Meat and Poultry Markets Pharmaceuticals Veterinarians Office Dairy Products (Ice Cream) Florists $405 $595 $206 $527 $722 Seafood Cluster Endorsement Extension - Valuable Papers Cluster Endorsement Extension - Valuable Papers Valuable Papers Factor 0.10 W. Druggist Professional Liability - Druggists Rate Increments Druggist Professional Liability Druggists Rate Increments Territory Base Rate 1 $ $ $6.00 February 2017 Idaho BOPR-17

18 7. ENDORSEMENTS (Cont.) Y. Employee Benefits Liability Endorsement Employee Benefits Liability Endorsement Limit of Liability Annual Flat Charge $500,000/$1,000,000 $192 $1,000,000/$2,000,000 $212 $1,000,000/$3,000,000 $217 $1,000,000/$4,000,000 $220 $1,000,000/$5,000,000 $222 $2,000,000/$4,000,000 $235 AF. Extended Business Income Coverage Extended Business Income Coverage 18 Months 24 Months February 2017 Idaho BOPR-18

19 7. ENDORSEMENTS (Cont.) AJ. Funeral Directors, Morticians and Cemeteries Professional Liability Funeral Directors, Morticians and Cemeteries Professional Liability Funeral Directors and Morticians Professional Rate per Body (Annually) Limit 500,000/1M 1M/2M 1M/3M 1M/4M 1M/5M 2M/4M First 100 Bodies $0.98 $1.18 $1.20 $1.21 $1.21 $1.28 Next 200 bodies $0.41 $0.49 $0.49 $0.51 $0.52 $0.54 Next 300 bodies $0.26 $0.33 $0.34 $0.36 $0.37 $0.38 Next 400 bodies $0.21 $0.24 $0.25 $0.26 $0.27 $0.28 Over 1000 $0.15 $0.17 $0.17 $0.18 $0.19 $0.21 Cemetary Professional Liability Rate per Total Bodies in Cemetery Limit 500,000/1M 1M/2M 1M/3M 1M/4M 1M/5M 2M/4M First 100 Bodies $0.54 $0.65 $0.66 $0.66 $0.68 $0.73 Next 200 bodies $0.41 $0.49 $0.49 $0.51 $0.52 $0.54 Next 300 bodies $0.26 $0.37 $0.37 $0.39 $0.40 $0.41 Next 400 bodies $0.21 $0.24 $0.25 $0.26 $0.27 $0.28 Over 1000 $0.15 $0.17 $0.17 $0.18 $0.19 $0.21 Minimum Premium $81 $93 $94 $95 $96 $115 BOPR-19 Idaho February 2017

20 7. ENDORSEMENTS (Cont.) AL. Hired Auto and Nonowned Auto Liability Hired Auto and Nonowned Auto Liability Auto Usage Limit Hired Auto Non-Owned Auto $500,000 $74 $110 Other than Retail $1,000,000 $81 $121 Delivery $2,000,000 $90 $133 $500,000 $74 $64 per $1000 of Driver's Payroll Retail Delivery* $1,000,000 $81 $70 per $1000 of Driver's Payroll * A minimum Payroll of $18,000 must be used. AN. Liability for Property of Guests or Residents Liability for Property of Guests or Residents Charge $6 AP. Liquor Liability Coverage Liquor Liability Coverage Rate Per $1000 of Liquor Receipts Class Limits of Liability $500,000 $1,000,000 $2,000,000 Bed and Breakfast (Class Code 68141) Buffet (Class Code 09015) Casual Dining Restaurant (Class Codes 09011, 09012) Delicatessen (Class Code 54116) Fast Food Restaurant (Class Code 09014) Fine Dining Restaurant (Class Code 09013) $2.336 $2.869 $3.450 Motels (Class Codes 67141, 67132, 67133, 67134) Wine Shop with Tasting Room (Class Code 59216) Convenience Mart (Class 09321, 09331, 09351, 09361) Grocery/Supermarket Store (Class Code 09362) $0.668 $0.820 $0.986 Grocery Wholesale (Class Code 50481) Wineries - Still or Sparkling (Class Code 59964) $0.067 $0.082 $0.099 Wine Shop - No Tasting Room (Class Code 59217) All Other Classes $0.067 $0.082 $0.099 AR. Mechanics Errors and Omission Coverage Mechanics Errors & Omission Charge Per Location $100 AU. Ministorage Warehouse Customers Legal Liability Ministorage Warehouse Rate per $1000 $1.40 Ministorage Warehouse Sale or Disposal of Customers' Property Legal Liability Limits of Insurance (per Under 200 Units Per Policy 200 Units and Over Per Policy $10,000/30,000 $80 $95 $25,000/75,000 $144 $191 February 2017 Idaho BOPR-20

21 7. ENDORSEMENTS (Cont.) AV. Motels - Liability for Guests' Property in Safe Deposit Boxes Motels - Liability Guests' Property In Safe Deposit Boxes Limit of Insurance Premium $25,000 $44 $50,000 $64 $100,000 $107 $250,000 $173 AX. Outdoor Unattached Signs Coverage Outdoor Unattached Signs Coverage Deductible Per Sign/Occurrence Rate per $100 Replacement Cost $250 $2.35 $500 $2.15 $1,000 $2.00 AZ. Pet Boarders and Pet Groomers Professional Liability Coverage Pet Boarders & Groomers Professional Liability Cov. Charge per Location $31 BC. Printer's Errors and Omissions Liability Printer's Errors and Omissions Liability Limits of Insurance Average Hazard High Hazard (per occurrence/aggregate) (Rate per $1000 of Sales) (Rate per $1000 of Sales) $500,000/$1,000,000 $0.19 $0.29 $1,000,000/$2,000,000 $0.22 $0.33 $2,000,000/$4,000,000 $0.23 $0.35 BD. Product Withdrawal Coverage Product Withdrawal Coverage Limit Rate $50, $100, $200, $300, $500, $1,000, $2,000, BE. Property Damage Deductible Liability Insurance Property Damage Deductible Liability Insurance Deductible Amount Factor $250 $500 No Adjustment $ $1, $2, $5, BOPR-21 Idaho February 2017

22 7. ENDORSEMENTS (Cont.) BI. Small Animal Services Cluster - Grooming, Kennel and Pet Boarders Small Animal Services Cluster Grooming, Kennel, and Pet Boarders Deductible Premium Deductible Premium $500 $24 $25,000 $18 $1,000 $23 $50,000 $17 $2,500 $22 $75,000 $17 $5,000 $22 $100,000 $17 $10,000 $19 BJ. Spoilage Coverage Spoilage Coverage Rate per $1,000 of Limit Breakdown or Contamination With Refrigeration Maintenance Agreement Without Refrigeration Maintenance Agreement Both Breakdown or Contamination & Power Outage With Refrigeration Maintenance Agreement Without Refrigeration Maintenance Agreement Power Class Classification Description Outage Rating Basis Code Bakery Goods Bakery Plants Bed & Breakfast Candy Manufacturing Cheese Shops 1 Delicatessen Distributors - Food - Dry Fruits & Vegetables Resturants Wine Shops Wineries Adult Care Convenience Food Stores Dairy Products - No Ice Cream Distributors - Food and 2 Drink Food Manufacturing - Jams and Jellies Grocery Stores Meat and Poultry Markets Pharmaceuticals Supermarkets Veterinarians Office Dairy Products - Ice Cream 3 Florists Seafood February 2017 Idaho BOPR-22

23 7. ENDORSEMENTS (Cont.) BN.2.a. Terrorism Coverage Options When Coverage for Terrorism is provided use forms BP and M3125. When coverage for Terrorism is not provided use form BP 05 41, M3125 and M2784. BN.2.b. Terrorism Rates Terrorism Rates per $1000 of Building and Personal Property Limits Territory TRIA $0.011 $0.012 $0.011 BQ. Utility Services - Time Element Utility Services - Time Element Power Supply and Water Supply Rate Per Cause of Loss $1000 of Limit Other than EQ $1.097 Earthquake $0.588 Communications Supply Properties Rate Per Cause of Loss $1000 of Limit Other than EQ $2.472 Earthquake $1.184 Overhead Power Transmission and Overhead Communication Lines Rate Per Cause of Loss $1000 of Other than EQ Earthquake Limit $1.922 $1.184 BR. Unexpected Wine Oxidation Unexpected Wine Oxidation Charge Per 1,000 $4.00 BS. Unexpected Wine Contamination Unexpected Wine Contamination Charge Per 1,000 $4.00 BOPR-23 Idaho February 2017

24 7. ENDORSEMENTS (Cont.) BV. Veterinarians Professional Liability Veterinarians Professional Liability Predominately Domestic Animals Limits of Insurance (per occurrence / aggregate) Veterinarian Veterinarian $500,000/$1,000,000 $145 $109 $1,000,000/$2,000,000 $166 $125 $1,000,000/$3,000,000 $170 $127 $1,000,000/$4,000,000 $171 $128 $1,000,000/$5,000,000 $172 $129 $2,000,000/$4,000,000 $187 $141 Limits of Insurance (per occurrence / aggregate) First Cattle, Horses and Livestock Each Additional Each Additional Veterinarian First Veterinarian $500,000/$1,000,000 $191 $145 $1,000,000/$2,000,000 $219 $166 $1,000,000/$3,000,000 $226 $170 $1,000,000/$4,000,000 $227 $171 $1,000,000/$5,000,000 $227 $172 $2,000,000/$4,000,000 $292 $187 BW. Veterinarians Cluster Endorsement - Small Animal Veterinarians Cluster Endorsement Small Animal Each First Additonal Deductible Veterinarian Veterinarian $500 $78 $46 $1,000 $74 $43 $2,500 $71 $41 $5,000 $68 $40 $10,000 $62 $36 $25,000 $60 $36 $50,000 $58 $35 $75,000 $57 $34 $100,000 $55 $33 February 2017 Idaho BOPR-24

25 7. ENDORSEMENTS (Cont.) BX. Veterinarians Cluster Endorsement - Large Animal Veterinarians Cluster Endorsement Large Animal Each First Additional Deductible Veterinarian Veterinarian $500 $230 $139 $1,000 $219 $132 $2,500 $209 $126 $5,000 $204 $123 $10,000 $185 $111 $25,000 $180 $108 $50,000 $170 $102 $75,000 $168 $101 $100,000 $163 $98 BY. Veterinarians Cluster Extension - Animals in Care, Custody and Control Veterinarians Cluster Extension - Animals in Care, Custody and Control Rate per $1,000 $1.90 BZ. Veterinarians Cluster Extension - Government Closure Due to Animal Sickness Veterinarians Cluster Extension - Government Closure Due to Animal Business Income - Rate per $1,000 for the amount over $25,000 $1.00 Extra Expense - Rate per $1,000 for the amount over $2,500 $0.50 CA. Veterinarians Cluster Extension - Veterinarians Equipment Veterinarians Cluster Extension - Veterinarians Equipment Small Animal - Rate per $1,000 for amount over $10,000 Large Animal - Rate per $1,000 for amount over $25,000 $0.26 $0.26 CB. Veterinarians Consent to Settle Charge 20% of the total professional liability premium. CC. Waiver of Transfer of Rights of Recovery Against Others to Us Waiver of Transfer of Rights of Recovery Against Others to Us Flat Premium Charge $89 CD. Winery Cluster Endorsement Winery Cluster Endorsement Flat Charge per Location $83 BOPR-25 Idaho February 2017

26 7. ENDORSEMENTS (Cont.) CE. Winery Cluster Extension - Wine Leakage Winery Cluster Extension Wine Leakage Rate per $1,000 $1.01 CF. Winery Special Cluster Winery Special Cluster Per location $ INDIVIDUAL RISK PREMIUM MODIFICATION PLAN Total Credits and Debits under this plan shall not exceed 25%. Risk Characteristics Management Location Building Features Classification Premises and Employees Protection Sales/Receipts Description Cooperation in matters of safeguarding and proper handling of the property covered Accessibility, congestion and exposures Age, condition and unusual structural features Peculiarities of Classification Care, Condition and type Selection, training, supervision and experience Not otherwise recongnized Materially different than normal for risk Range of Modifications Credits Debits 15% 15% 5% 5% 10% 10% 10% 10% 10% 10% 5% 5% 2% 2% 10% 10% February 2017 Idaho BOPR-26

27 TERRITORY ZIP CODE LOCATIONS ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY February 2017 Idaho BOPR-27

28 TERRITORY ZIP CODE LOCATIONS ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY February 2017 Idaho BOPR-28