ISO Multistate Rules 6-15 Multistate General Liability Experience and

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Lionel Brendan Shelton
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1 RULES 1. APPLICATION OF THIS DIVISION The following is added to Paragraph D. 3.: D.3. Loss Cost Conversion To convert the loss costs shown in this division to Oregon Mutual Insurance Company rates, multiply by the appropriate Loss Cost Multiplier as shown below: General Liability Loss Cost Multiplier: Premises Operations Owners and Contractors Products Completed Operations The following paragraph is added: Paragraph F. Loss Cost Edition is added as follows: 1. ISO Loss Cost Pages modified by this manual have the following edition dates: a. Washington Loss Cost pages Paragraph G. Rules Edition is added as follows: 14. MINIMUM PREMIUMS Rules Edition Date ISO Multistate Rules 6-15 Multistate General Liability Experience and Schedule Rating Plan General Liability Loss Cost Mapping (Class Table) 4-13 Washington Rules Exception Pages Washington General Liability Increased Limit Factors Estimated Loss Potentials 4-13 Washington Commercial Package Policy Package 1-16 Modification Factors The following is added to Paragraph B.2.: B.2. Minimum Premiums apply as follows: Increased Limit Subline Table Assignment Minimum Premium Premises/Operations 1 $ 75 2 $100 3 $150 Products/Completed Operations A $ 75 B $150 C $200 E.1. The special combined Minimum Premium for the classifications specified is $100. December 2016 Washington CG-E-1

2 23. COMPANY RATES OR ISO LOSS COSTS Rule 23.G. does not apply. 24. BASES OF PREMIUM Paragraph E.2.m. is replaced by the following: E.2.m. Exception to Bases of Premium: For premium computation purposes, use $31,100 as the annual individual payroll for executive officers. For premium computation purposes, use $31,100 as the annual individual payroll for individual insureds or co-partners. For premium computation purposes, use the average weekly payroll of each employee. Do not use any part of an employee's average weekly payroll which exceeds $ CLASSIFICATIONS Class Code Description Loss Cost Wine manufacturing still or sparkling Table 25.C.3. Wine Manufacturing Still or Sparkling 33. SPECIAL RULES APPLICABLE TO THE CLAIMS-MADE COVERAGE FORM M2657L Rule 33. does not apply. 36. DESCRIPTION OF ADDITIONAL OPTIONAL ENDORSEMENTS The following additional optional endorsements are added: A. Additional Optional Endorsements 1. Motels (M2752L) The loss cost charge for this endorsement is $ Motels Liability For Guests' Property In Safe Deposit Boxes (M2753L) The loss cost charge for this endorsement is $ OWNERS AND CONTRACTORS PROTECTIVE LIABILITY INSURANCE AND PRINCIPALS PROTECTIVE LIABILITY INSURANCE (Subline Code 335) Paragraph 8. is revised to read: Liability arising out of fungi or bacteria on or within a building or structure, including its contents, will be totally excluded by attaching Washington - Fungi Or Bacteria Exclusion Endorsement CG EMPLOYEE BENEFIT LIABILITY (Statistical Class Code 92100) D. Loss Cost: $.04 Per Employee Minimum Premium: $85.00 CG-E-2 Washington December 2016

3 55. TERRORISM ENDORSEMENT OPTIONS 1. Premium Determination The following table is added: Type Exposure Classes Terr. 501 Remainder of State TRIA Above Average Average December 2016 Washington CG-E-3

4 ADDITIONAL OREGON MUTUAL RULES ADDITIONAL OREGON MUTUAL RULES 1. FUNERAL DIRECTORS', MORTICIANS' AND CEMETERIES PROFESSIONAL LIABILITY Funeral Directors and Morticians loss cost and minimum premium for basic limits of $100,000 per claim/ $200,000 Aggregate (Statistical Class Code 72610). The following paragraphs are added: Premium shall be based on the total annual number of bodies. The following are loss costs: First 100 bodies Next 200 bodies Next 300 bodies Next 400 bodies Over 1000 bodies $.32 each $.23 each $.18 each $.14 each $.07 each Minimum Premium $ Cemetery Professional Liability loss cost and minimum premium for basic limits of $100,000 per claim/ $200,000 Aggregate. Premium shall be based on: (a) the total number of deceased human bodies already buried (Statistical Class Code 6555A) in the insured's cemetery at the effective date of the policy, at a loss cost of.002 for each of the first 5,000 bodies and at a loss cost of.001 for all bodies in excess of 5,000 except where the insured is a religious or charitable entity, disregard burials older than fifty years; and (b) the total number of such bodies to be buried or removed (Statistical Class Code 6555B) from such burial during the policy period, at the following loss costs: First 100 bodies Next 200 bodies Next 300 bodies Next 400 bodies Over 1000 bodies $.21 each $.16 each $.10 each $.08 each $.05 each The annual minimum premium for each distinct cemetery location shall be $25.00 at basic limits. Endorsement: M2299L Funeral Directors', Morticians' and Cemeteries Professional Liability ADDITIONAL OREGON MUTUAL RULE 2. COMMERCIAL GENERAL LIABILITY EXPERIENCE AND SCHEDULE RATING PLAN The following paragraph is added: The Expected Loss Ratio to be used for Rule 2.D. of the Commercial General Liability Experience And Schedule Rating Plan is 60%. CG-E-4 Washington December 2016

5 ADDITIONAL OREGON MUTUAL RULES (Cont.) ADDITIONAL OREGON MUTUAL RULE 3. RESERVED FOR FUTURE USE ADDITIONAL OREGON MUTUAL RULE 4. STOP GAP EMPLOYERS LIABILITY COVERAGE The following is added to Rule A2., Paragraph B.1.c.: Assign Statistical Class Code to Manufacturing, Processing, Contracting or Servicing Risks (classes through and through 99999) and Statistical Class Code to all other classes. ADDITIONAL OREGON MUTUAL RULE 5. PACKAGE MODIFICATION FACTORS Premium From CLM Division Package Modification Assignment Policy Type Code Six Liability Apartment House Contractors Industrial & Processing Institutional Mercantile Motel/Hotel Office Service Table 5. Package Modification Factors December 2016 Washington CG-E-5

6 ADDITIONAL OREGON MUTUAL RULES (Cont.) ADDITIONAL OREGON MUTUAL RULE 6 WINERY SPECIAL EVENTS Description/Number of Special None Winery does no special events annually Minimal Winery has 12 or fewer special events annually Slight Winery with > than 12 but no more than 24 special events annually Moderate Winery with greater than 24 and no more than 50 special events annually High Winery with greater than 50 and no more than 100 special events annually $1M/$2M Winery with NO $2M/$4M Winery with NO No Charge $1M/$2M Winery with $2M/$4M Winery with $45 $50 $215 $235 $130 $140 $615 $670 $260 $285 $1,245 $1,355 $1,185 $1,290 $4,350 $4,735 Table 6. Winery Special s CG-E-6 Washington December 2016

OREGON MUTUAL INSURANCE COMPANY DIVISION SIX GENERAL LIABILITY COMPANY EXCEPTION PAGES

OREGON MUTUAL INSURANCE COMPANY DIVISION SIX GENERAL LIABILITY COMPANY EXCEPTION PAGES RULES 8. POLICY WRITING MINIMUM PREMIUM Paragraphs A.1. and B.2. are replaced by the following: A.1. Prepaid Policies $350 B.1. Annual Premium Payment Plan Policies $350 9. ADDITIONAL PREMIUM CHANGES Paragraph