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) 401.99 Broad (2) 440.36 Special/Broad (3) 455.41 Special (6) 569.26 $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 * $ 5,000 61.70 63.24 85.39 * $ 6,000 63.41 65.22 88.07 * $ 7,000 65.08 67.26 90.75 ** $ 8,000 66.76 69.27 93.50 ** $ 9,000 68.47 71.28 96.22 ** $10,000 70.14 73.26 98.93 $12,000 73.53 77.28 104.36 $14,000 76.88 81.30 109.76 $16,000 80.26 85.32 115.18 $18,000 83.65 89.35 120.61 $20,000 87.00 93.33 126.04 $22,000 90.39 97.39 131.47 $24,000 93.74 101.38 136.90 $26,000 97.09 105.40 142.30 Each additional $1,000 1.68 1.98 2.71 $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 California R-1
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 2.45 2.78 3.45 Type 1 Household Personal Property 1.94 2.25 3.05 Type 2 Dwelling 2.48 2.82 3.52 Type 2 Household Personal Property 1.98 2.31 3.12 Type 3 Dwelling 2.61 2.92 3.69 Type 3 Household Personal Property 2.08 2.35 3.18 Mobile Homes Dwelling 3.89 4.19 5.30 Mobile Homes Household Personal Property 3.08 3.38 4.56 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 California October 2016
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 *** 9.58 10.15 14.36 Grain In metal structures ** 6.93 7.62 10.32 Grain In other structures 8.57 9.26 12.46 Grain In the open 9.45 N/A N/A Hay, Straw, Fodder, Forage Crops In Structures 7.77 8.42 11.35 Hay, Straw, Fodder, Forage Crops In The Open 32.49 N/A N/A Blanket Livestock *** 2.35 3.76 N/A Scheduled Livestock *** 1.55 2.52 N/A Blanket Machinery, Vehicles, Implements *** 5.11 5.45 7.30 Scheduled Machinery, Vehicles, Implements *** 3.41 3.63 4.86 Scheduled Cotton Pickers & Combines *** 6.80 7.20 9.74 Scheduled Irrigation Equipment*** 6.80 7.20 9.74 Turkeys, In and Outside of Buildings 89.41 90.02 N/A Poultry, In and Outside of Buildings 19.73 20.46 N/A Trays, Boxes and Box Shook 13.33 14.02 18.89 Wool 8.57 9.26 12.46 Products, Farm & Dairy NOC 8.57 9.26 12.46 Farm Property NOC Blanket 14.09 14.74 19.89 Farm Property NOC Scheduled 8.57 9.26 12.46 Potatoes 10.55 10.81 14.59 Green Fruit 10.55 10.81 14.59 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 10 04 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 California R-3
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 - $25,000 12.88 13.60 18.32 $25,001 - $100,000 12.53 13.14 17.71 $100,001 - $150,000 12.15 12.84 17.33 $150,001 - $200,000 11.81 12.38 16.69 Over $200,000 11.39 12.04 16.27 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 California October 2016
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 * 3.54 3.89 4.86 Barns, Dairy Barns, Stables, Outbuildings Type 2 * 3.71 4.07 5.04 Barns, Dairy Barns, Stables, Outbuildings Type 3 (Including Portable Buildings) * 3.93 4.24 5.35 Fences, Corrals, Chutes 5.66 5.97 7.43 Power and Light Poles, Wiring 5.66 5.97 7.43 Greenhouses 8.39 8.63 9.62 Green Fruit Cold Storage Warehouses and/or Packing Buildings Not Exceeding 10,000 Square Feet Of Ground Floor Area 17.57 18.03 22.54 Incubator, Brooder, Poultry Houses Without Heat Or With Central Heat, Or Heat From Outside Type 1 3.98 4.24 5.35 Incubator, Brooder, Poultry Houses Without Heat Or With Central Heat, Or Heat From Outside Type 2 4.07 4.46 5.61 Incubator, Brooder, Poultry Houses Without Heat Or With Central Heat, Or Heat From Outside Type 3 4.24 4.60 5.79 Incubator, Brooder, Poultry Houses With Heat Other Than Above 6.45 6.76 8.44 Potato Cellars 4.20 4.46 5.61 Potato Houses 5.66 5.97 7.52 Radio and TV Equipment Outdoor 49.91 50.26 62.77 Silos Type 1 * 2.83 3.18 3.93 Silos Type 2 * 3.54 3.85 4.77 Silos Type 3 * 4.42 4.69 5.88 Tanks 3.58 3.98 4.95 Windmills, Windchargers, Windpumps, Solar Panels 6.14 6.50 8.13 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 California R-5
36. ADDITIONAL OR REDUCED PREMIUM COMPUTATION D. Credit Cards, Electronic Fund Transfer Cards Or Other Access Devices, Forgery And Counterfeit Currency Limit Of Insurance $1,000 5.13 2,500 8.56 5,000 10.26 7,500 11.96 10,000 13.67 Table 36.D.2.b.(R) Glass Coverage Breakage Of Cab Glass Basis Of Additional Premium Each piece of equipment 43.99 Table 36.D.3.b.(3)(R) Coverage D Loss Of Use Increased Limit Basis Of Additional Premium Each $1,000 of increase 3.43 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 3.43 Table 36.D.6.a.(R) Scheduled Personal Property Kind Of Property Jewelry 25.45 Furs 25.45 Cameras 12.58 Musical Instruments 5.13 Silverware/Goldware 11.91 Golfers Equipment 14.22 Fine Arts 3.26 Postage Stamps 5.13 Rare and current coins 13.14 Firearms 18.68 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 34.19 s per $1,000 of Insurance Table 36.D.8.(R) R-6 California October 2016
36. ADDITIONAL OR REDUCED PREMIUM COMPUTATION (Cont.) Business Property Basis Of Additional Premium Each $1,000 of increase 17.10 Table 36.D.9.(R) Spoilage Coverage Perishable Farm Personal Property s per $1000 of Insurance (A) (B) Both (A), (B) 1 29.91 * 5.87 31.67 * 2 34.31 * 6.74 35.78 * 3 44.58 ** 7.62 46.04 ** (A) = Breakdown/Contamination Only (B) = Public Power Outage Only Deduct 8.50 from rate if Refrigeration Maintenance Agreement is applicable. Deduct 14.66 from rate if Refrigeration Maintenance Agreement is applicable. Table 36.D.13.d.(2)(R) Farm Computer Coverage Basis Of Additional Premium Each $1,000 43.99 Table 36.D.26.c.(R) Motorized Golf Cart Coverage Level Of Coverage Physical damage, except collision 23.46 Physical damage, including collision 41.06 Table 36.D.29.f.(1)(R) Assisted Living Care Coverage Basic Limits Use a rate of $131.97 per living unit. Table 36.D.32.c.(1)(R) Increased Limits Coverage C and/or Coverage H Coverage Multiply By To Obtain C 11.82 Each $1,000 Of Increase The Amount To Be Added To The Basic Limits H 29.33 ILF 1 of $131.97 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 $ 29.33 1 DLF The Amount To Be Subtracted From The Basic Limits of $131.97 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 California R-7
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 $ 131.97 + 177.30 ($15,000 divided by $1,000 = 15; 15 times $11.82 = $177.30) $ 309.27 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 $ 131.97 177.30 ($15,000 divided by $1,000 = 15; 15 times $11.82 = $177.30) + 3.82 (1.19 minus 1 = 0.19; $20.10 times 0.19 = $3.82) $ 313.09 EXAMPLE #3 DECREASED LIMITS FOR COVERAGE H Given: $25,000/$50,000 Occurrence/Aggregate Limits For Coverage H $ 131.97 5.63 (1 minus 0.72 = 0.28; $20.10 times 0.28 = $5.63) $ 126.34 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 3.43 Table 36.D.33.f.(2)(a)(R) Identity Fraud 43.99 Table 36.D.35.d.(R) R-8 California October 2016
37. FARM LIABILITY COVERAGE Increased Limits For Employees' Medical Payments Surcharges Limit Of Insurance Table 37.D.3.b.(R) 01415 $1,500 1.55 $2,000 2.07 $2,500 2.59 $3,000 3.11 $4,000 4.14 $5,000 4.66 Fire Damage Legal Liability (Premises Rented To Insured As Tenant) ( 01997) Total Fire Damage Limit $ 50,000 200,000 250,000 300,000 400,000 500,000 Credit Or Surcharge To -10.34* 103.44 155.16 206.88 310.32 413.76 Each Add l $50,000 51.72 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 California R-9
37. FARM LIABILITY COVERAGE (Cont.) Premium Computation Basic Limit ** Basic Limit ** Coverage H/I Coverage J Coverage H/I Coverage J 01235 0.14 0.14 04602 56.90 14.48 01350 N/A N/A 04603 63.11 14.48 01352 N/A N/A 04604 82.75 21.73 01415 4.14 1.04 04605 87.93 21.73 01518 * * 04606 107.58 28.96 01519 * * 04607 107.38 32.61 01618 * * 04608 131.38 43.44 01619 * * 04609 131.00 46.20 01718 * * 04610 160.30 61.54 01719 * * 04621 35.17 11.39 01818 * * 04622 N/A N/A 01819 * * 06518 * * 02518 * * 06519 * * 02519 * * 06618 * * 02618 * * 06619 * * 02619 * * 06718 * * 02718 * * 06719 * * 02719 * * 06818 * * 02818 * * 06819 * * 02819 * * 07106 7.25 2.37 03210 3.11 6.73 07518 * * 03320 1.04 5.68 07519 * * 03518 * * 07618 * * 03519 * * 07619 * * 03618 * * 07718 * * 03619 * * 07719 * * 03718 * * 07818 * * 03719 * * 07819 * * 03818 * * 07990 70.34 20.69 03819 * * 09250 7.25 4.66 03909 N/A N/A 09251 7.25 4.66 04122 4.14 4.66 09252 7.25 4.66 04601 35.17 11.39 09253 7.25 4.66 * 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 Add 5.51 surcharge to Coverage J Basic Limit. Table 37.E.(R) R-10 California October 2016
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) 01518 457.79 02518 457.79 03518 457.79 06518 457.79 07518 549.34 01519 457.79 02519 457.79 03519 457.79 06519 457.79 07519 549.34 01618 686.68 02618 686.68 03618 686.68 06618 686.68 07618 824.01 01619 686.68 02619 686.68 03619 686.68 06619 686.68 07619 824.01 01718 1144.45 02718 1144.45 03718 1144.45 06718 1144.45 07718 1373.33 01719 1144.45 02719 1144.45 03719 1144.45 06719 1144.45 07719 1373.33 01818 1144.45 02818 1144.45 03818 1144.45 06818 1144.45 07818 1373.33 01819 1144.45 02819 1144.45 03819 1144.45 06819 1144.45 07819 1373.33 Coverage J: $5,000 Per Person/Each Occurrence ( 55) 01518 06819 14.58 07518 07819 15.31 Coverage J: $10,000 Per Person/Each Occurrence ( 55) Surcharge 01518 06819 5.51 07518 07819 5.79 Table 37.F.(R) Pollution Liability Options - Chemical Drift Liability ( 01998) Limit of Liability Premium $ 25,000 Included 50,000 104.11 75,000 124.93 100,000 138.81 250,000 180.46 500,000 347.03 1,000,000 694.07 Table 37.O.1.(R) Pollution Liability Options Limited Farm Pollution Liability ( 01999) Limit of Liability Premium $ 25,000 138.81 50,000 194.34 75,000 242.92 100,000 277.63 250,000 416.44 500,000 694.07 1,000,000 1041.10 Table 37.O.3.(R) October 2016 California R-11
37. FARM LIABILITY COVERAGE (Cont.) Limited Crop Dusting Coverage ( 01360) Limit of Liability per $1,000 Minimum Premium $ 25,000 1.43 $ 89.00 50,000 2.91 133.00 75,000 4.40 176.00 100,000 5.70 228.00 250,000 7.39 295.00 500,000 8.54 342.00 1,000,000 10.08 406.00 Table 37.P.3.(R) All Terrain Vehicles ( 07995) Limit of Liability Cov. H/I per ATV $ 100,000 79.51 200,000 82.14 300,000 89.72 500,000 106.04 1,000,000 128.45 Table 37.U.2.(R) Waiver of Transfer Rights of Recovery Against Others to Us ( 92407) 104.11 Table 37.V.3.(R) R-12 California October 2016
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 01235 0.14 0.14 04603 63.11 14.48 01350 N/A N/A 04604 82.75 21.73 01352 N/A N/A 04605 87.93 21.73 01355 * N/A 04606 107.58 28.96 01356 * N/A 04607 107.38 32.61 01357 * N/A 04608 131.38 43.44 01391.10 N/A 04609 131.00 46.20 01415 4.14 1.04 04610 160.30 61.54 01518 * * 04621 35.17 11.39 01519 * * 04622 N/A N/A 01618 * * 05223 31.03 5.18 01619 * * 06518 * * 01718 * * 06519 * * 01719 * * 06618 * * 01818 * * 06619 * * 01819 * * 06718 * * 01901 0.10 N/A 06719 * * 02518 * * 06818 * * 02519 * * 06819 * * 02618 * * 07106 7.25 2.37 02619 * * 07518 4.97 * 1.63 * 02718 * * 07519 * * 02719 * * 07618 * * 02818 * * 07619 * * 02819 * * 07718 * * 03518 * * 07719 * * 03519 * * 07818 * * 03618 * * 07819 * * 03619 * * 07990 70.34 20.69 03718 * * 09250 7.25 4.66 03719 * * 09251 7.25 4.66 03818 * * 09252 7.25 4.66 03819 * * 09253 7.25 4.66 04601 35.17 11.39 04602 56.90 14.48 See State Specific s. Medical Payments Coverage does not apply. (a) Refer to Company. $10,000 Medical Limit Coverage Add $5.51 surcharge to Coverage C Basic Limit Medical Payment. Table 38.F.(R) October 2016 California R-13
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) 01518 206.00 02518 206.00 03518 206.00 06518 206.00 07518 247.19 01519 206.00 02519 206.00 03519 206.00 06519 206.00 07519 247.19 01618 309.01 02618 309.01 03618 309.01 06618 309.01 07618 370.82 01619 309.01 02619 309.01 03619 309.01 06619 309.01 07619 370.82 01718 515.01 02718 515.01 03718 515.01 06718 515.01 07718 618.01 01719 515.01 02719 515.01 03719 515.01 06719 515.01 07719 618.01 01818 515.01 02818 515.01 03818 515.01 06818 515.01 07818 618.01 01819 515.01 02819 515.01 03819 515.01 06819 515.01 07819 618.01 Table 38.G.1.d. - 1(R) CGL Farm Liability Premium Computation (State Specific) Coverage C: $5,000 Per Person Each Occurrence ( 55) 01518 06819 28.64 07518 07819 30.07 Coverage C: $10,000 Per Person Each Occurrence ( 55) Surcharge 01518 06819 10.81 07518 07819 11.35 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) 01355 0.075 01356 0.047 01357 0.015 Table 38.L.2.(R) Pollution Liability Options - Chemical Drift Liability ( 01998) Limit of Liability Premium $25,000 Included 50,000 104.11 75,000 124.93 100,000 138.81 250,000 180.46 500,000 347.03 1,000000 694.07 Table 38.N.1.(R) R-14 California October 2016
38. CGL FARM LIABILITY (Cont.) Pollution Liability Options Limited Farm Pollution Liability ( 01999) Limit of Liability Premium $25,000 138.81 50,000 194.34 75,000 242.92 100,000 277.63 250,000 416.44 500,000 694.07 1,000,000 1041.10 Table 38.N.2.(R) All Terrain Vehicles ( 07995) Limit of Liability Cov. H/I per ATV $ 100,000 79.51 200,000 82.14 300,000 89.72 500,000 106.04 1,000,000 128.45 Table 38.Q.2.(R) Limited Crop Dusting Coverage ( 01360) Limit of Liability per $1,000 Minimum Premium $ 25,000 1.43 $89.00 50,000 2.91 133.00 75,000 4.40 176.00 100,000 5.70 228.00 250,000 7.39 295.00 500,000 8.54 342.00 1,000,000 10.08 406.00 Table 38.R.3.(R) Additional Interests ( 92689) Form/Description CG 20 11 Retailers/Wholesales $38.00 All Other $13.00 Table 38.U.1.b(R) ( 92690) Form CG 20 26 $25.00 Table 38.U.2.b.(R) October 2016 California R-15
38. CGL FARM LIABILITY (Cont.) General Liability Cluster Endorsement ( 92691) $ 150.00 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 $ 350.00 $ 8.00 5,000/50,000/50,000 400.00 10.00 10,000/50,000/50,000 450.00 11.00 10,000/100,000/100,000 500.00 13.00 15,000/100,000/100,000 550.00 14.00 25,000/100,000/100,000 600.00 16.00 25,000/250,000/250,000 800.00 20.00 50,000/250,000/250,000 950.00 22.00 50,000/500,000/500,000 1,350.00 24.00 100,000/500,000/500,000 1,650.00 25.00 Table 38.X.4.(R) Equine Training, Lessons or Instructions ( 92693) Base Limit of Liability per $1,000 Receipts Minimum Premium $100,000 $45.00 $150.00 For increased limits, Optional Limits Factor applies to the Minimum Premium. Table 38.Y.3.(R) 43. ADDITIONAL OREGON MUTUAL RULES Dairy Farm Cluster $31.93 Table 43.B.3.(a)(R) Employee Benefit Liability Per Employee Minimum Premium $2.02 $ 75.00 Table 43.D.3.(a)(R) Farm Commercial Cluster $79.81 Table 43.F.3.(a)(R) R-16 California October 2016
43. ADDITIONAL OREGON MUTUAL RULES (Cont.) Winery Cluster Endorsement $89.91 Table 43.K.3.(a)(R) Winery Cluster Extension Unexpected Wine Contamination per $1,000 $5.99 Table 43.M.3.(a)(R) Winery Cluster Extension Unexpected Wine Oxidation per $1,000 $5.99 Table 43.N.3.(a)(R) Winery Special Cluster $149.86 Table 43.O.3.(a)(R) Orchard and Vineyard Growers Endorsement $110.00 Flat Charge Table 43.Q.3.(R) Trampolines ( 92694) Base Limit of Liability Flat Charge $100,000 $250.00 For higher limits, apply Optional Limits Factor. Table 43.T.3.(R) October 2016 California R-17