FARMERS MUTUAL INSURANCE COMPANY
BUSINESSOWNERS AND CHURCH PROGRAM
WEST VIRGINIA
AMERICAN ASSOCIATION OF INSURANCE SERVICES
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM LISTING OF FORMS AND ENDORSEMENTS WEST VIRGINIA FORMS BP - 100 BP - 200
1.0 1.0
Businessowners Standard Policy Businessowners Special Policy
MANDATORY ENDORSEMENTS BP 0552 04 01 Auxiliary Buildings and Structures – West Virginia BP 0663 12 99 Known Injury or Damage Amendments GL - 890 2. 0 Lead Liability Exclusion ML - 126 4-82 West Virginia Loss Payment Endorsement CONDITIONAL ENDORSEMENTS CL - 292 1.0 Effective Time Change CL 0317 05 05 Flood Coverage Notice – West Virginia CL 0334 10 07 Coal Mine Subsidence Coverage Part – Non Dwelling CL 0335 10 07 Coal Mine Subsidence Coverage Part- Dwelling REQUIRED ENDORSEMENTS BP 0360 07 03 Limited Fungus and Related Perils Coverage BP 0537 03 99 Calendar Date or Time Failure Exclusion BP 0551 03 99 Property Additional Coverage Endorsement BP 0750 01 08 Certified Terrorism Loss BP 0850 10 06 Virus or Bacteria Exclusion GL 0528 03 99 Church Medical Payments Coverage (Churches Only) GL - 894 2.0 Punitive Damages Exclusions OTHER ENDORSEMENTS BP - 302 1.0 BP - 304 1.0 BP - 305 1.0 BP - 306 1.0 BP - 307 1.0 BP - 309 1.0 BP - 313 1.0 BP - 315 1.0 BP - 317 1.0 BP - 318 1.0 BP - 319 1.0 BP - 320 1.0 BP - 321 2.0 BP - 322 1.0 BP - 323 1.0 BP - 324 1.0 BP - 325 1.0 BP - 327 1.0 BP - 328 1.0 BP - 330 1.0 BP - 331 1.0 BP - 332 1.0 BP - 334 1.0 BP - 336 1.0 BP - 338 1.0 REV 11-13
Burglary and Robbery Coverage Money and Securities Coverage Additional Insured – Lessor of Leased Equipment Theft Coverage Additional Insured – Owner or Lessor of Leased Land Liability Coverage – Designated Premises or Project Exclusion – Personal Injury Liability Exclusion – Advertising Injury Liability Condominium Buildings Exclusion – Entire Units Condominium Buildings Exclusion – Improvements Condominium Loss Assessment Coverage Accounts Receivable Coverage Ordinance Or Law Extension Computer Coverage Peak Season Increase Fine Arts Coverage Sprinkler Leakage Earthquake Extension Spoilage Coverage Valuable Papers and Records Coverage Water Damage Coverage – Back Up of Sewers and Drains Protective Devices Earthquake Coverage Additional Insured – Townhouse Associations Premium Payments Condominium Association Coverage -1-
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM LISTING OF FORMS AND ENDORSEMENTS WEST VIRGINIA OTHER ENDORSEMENTS BP - 346 1.0 Change Endorsement BP - 348 1.0 Theft Exclusion BP - 350 1.0 Condominium Unit - Owners Coverage BP - 499 1.0 Additional Insured - Grantor of Franchise BP - 604 1.0 Businessowners Policy - Renewal Endorsement BP 0620 01 99 Loss of Income Coverage 72-hour Waiting Period Property Coverages CP - 132 2.0 Loss Payable Options CP - 162 2.0 Resident Agent Countersignature GL - 108 1.0 Additional Insureds GL - 111 1.0 Additional Insured (State or Political Subdivisions Premises Permits) GL - 117 2.0 Additional Insured - Engineers, Architects, or Surveyors GL - 118 2.0 Pharmacists’ Professional Liability Coverage GL - 124 2.0 Optical and Hearing Aid Establishments GL - 210 2.0 Liability Exclusion GL - 230 2.0 Funeral Directors’ Professional Liability Coverage GL - 244 3.0 Cosmetologists’ Liability GL 0519 03 99 Pastoral Counseling - Professional Liability GL - 836 4.0 Coverage Q - Employers Liability (Stop Gap) Coverage GL - 841 2.0 Additional Insured - Designated Party GL - 842 2.0 Additional Insured - Lessors GL - 843 2.0 Additional Insured - Vendors GL - 845 2.0 Additional Insured - Concessionaires Trading Under Your Name GL - 892 3.0 Coverage E - Employee Benefits Liability Coverage GL - 895 2.0 Employee Redefined GL - 899 2.0 Cross Liability Exclusion GL - 903 2.0 Contractual Liability Coverage Limitation (Incidental Contractual Liability) GL - 905 2.0 Exclusion - Coverage P - Personal and Advertising Injury Liability GL - 906 2.0 Leased Premises Limitation GL - 914 1.0 Limited Liability Company GL - 918 1.0 Employee Benefits Liability Coverage - Calendar Date Or Time Failure Exclusion GLS-COV 11-13 Glass Coverage Supplement M&S-COV 8-13 Money and Securities Supplement SGN-COV 3-10 Sign Coverage Supplement
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA INDEX Rules Page Accounts Receivable ..................................................................... 35 Actual Cash Value.......................................................................... 27 Automatic Increase ........................................................................ 27 Back-up of Sewers and Drains..................................................... 31 Basic Limits .......................................................................................7 Burglary and Robbery Coverage.................................................. 31 Cancellation.................................................................................... 10 Church Supplement - Medical Payments .......................................8 Computers ...................................................................................... 36 Conditional Endorsements............................................................ 15 Condominium Associations .......................................................... 14 Condominium Loss Assessment ................................................. 34 Condominium Unit-Owners ........................................................... 14 Continuous Policies ..........................................................................9 Coverage Descriptions -- Principal Coverages ............................4 Deductibles..................................................................................... 20 Definitions Fire Protection Classifications ......................................... 17 Building Construction Classifications .............................. 17 Earthquake Construction Classifications ............................................. 38 Premium Modifications...................................................... 43 Deductible ........................................................................... 44 Premium Determination .................................................... 44 Sprinkler Leakage.............................................................. 45 Eligibility.............................................................................................1 Employee Dishonesty.................................................................... 33 Employers Liability (Stop Gap) Coverage .................................. 61 Exterior Glass ................................................................................. 45 Financial Institution Risk Classification...........................................3 Fine Arts.......................................................................................... 36 REV 3/99
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Rules Page Glass................................................................................................ 46 Individual Risk Premium Modifications ........................................ 63 Ineligible Classifications ...................................................................4 Interior Glass................................................................................... 47 Interstate Accounts......................................................................... 15 Liability Coverage Options Additional Insureds............................................................. 50 Contractual Liability Limitation.......................................... 60 Coverage N - Products/Completed Work Excluded ...... 61 Cross Liability Exclusion ................................................... 60 Employee Benefits Liability Coverage ............................ 57 Employers Liability Coverage........................................... 61 Excl. - Designated Premises, Operations, or Prod........ 60 Higher Limits....................................................................... 49 Leased Premises Limitation............................................. 61 Coverage - Designated Premises or Project ................. 60 Non-owned/Hired Automobiles Coverage ...................... 54 Personal and/or Advertising Injury Exclusions................. 59 Professional Liability.......................................................... 55 Punitive Damages Exclusion............................................ 61 Loss Payable Options ................................................................... 12 Loss of Income - Without a Limit .................................................. 28 Money and Securities .................................................................... 34 Multiple Occupancy Risk Classification....................................... 22 Ordinance or Law Extension......................................................... 30 Outdoor Signs................................................................................. 37 Peak Season.................................................................................. 28 Policy Changes .............................................................................. 11 Policy Restrictions.......................................................................... 12 Policy Term ........................................................................................9 Policywriting Instructions...................................................................9 Premium Changes ......................................................................... 11
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Rules Page Premium Development.................................................................. 21 Basic Premium -Building............................................................................. 24 Business Personal Property .......................................... 25 Minimum Premiums ........................................................... 21 Additional Premiums ......................................................... 26 Premium Modifications.................................................................. 19 Program Description ........................................................................5 Property Additional Coverage Endorsement.............................. 48 Property Coverage Options .......................................................... 27 Renewable Policies ..........................................................................8 Resident Agent Countersignature ................................................ 15 Spoilage.......................................................................................... 37 Theft Coverage............................................................................... 33 Theft Exclusion................................................................................ 34 Valuable Papers and Records ..................................................... 35 Valuation ......................................................................................... 13 Warehouse Risk Classification .......................................................3 Weather Limitations ....................................................................... 38
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 1 -- ELIGIBILITY The Businessowners Program provides property, loss of income, and liability coverages for insuring the eligible types of businesses described in this rule. 1.1
Habitational Buildings -- Apartment buildings, residential condominium buildings, and one- to four-family rental dwellings are eligible. Buildings must not be more than six stories in height, must not be more than 15 years old, must not be used for student housing, must not be a converted dwelling, and must not contain more than 60 units. These buildings can include the following incidental occupancies: ---
Offices; and Eligible retail, service, or processing occupancies which occupy less than 15,000 square feet in total.
Floor areas do not include basement areas not open to the public. Business Personal Property -- Building owners' business personal property in eligible apartment buildings, residential condominium buildings, and one- to four-family rental dwellings is eligible. 1.2
Office Buildings -- Office buildings and office condominium buildings are eligible. Buildings must not exceed six stories in height and their total floor area must not exceed 100,000 square feet.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA These buildings can include the following incidental occupancies: ---
Apartments; and Eligible retail, service, or processing occupancies which occupy less than 15,000 square feet in total floor area.
Floor areas do not include basement areas not open to the public. Business Personal Property -- The business personal property of office occupants is eligible. The total floor area of the office occupancy must not exceed 15,000 square feet in a single building. The business personal property of the owners of office or office condominium buildings is also eligible. Floor areas do not include basement areas not open to the public. 1.3
Retail, Service, or Processing Buildings -- Buildings occupied principally by eligible retail, service, or processing operations are eligible. Eligible retail, service, and processing classifications are shown in the classification section of this manual. The total area of the building must not exceed 15,000 square feet. If the insured's business is a service or processing operation, at least 75% of the annual gross sales must be derived from on-premises operations. Storage buildings occupied by the insured are also eligible. They must be incidental to the eligible retail, service, or processing operation and must not exceed 15,000 square feet. Floor areas do not include basement areas not open to the public. Business Personal Property -- The business personal property of eligible retail, service, or processing operations shown in the classification section of this manual is eligible. The area of the retail, service, or processing operation must not exceed 15,000 square feet. The annual gross sales must not exceed $1,000,000 at any insured location.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS & CHURCH PROGRAM MANUAL WV If the insured’s business is a service or processing operation, at least 75% of the annual gross sales must be derived from on-premises operations. The business personal property in storage buildings occupied by the insured is also eligible. The storage buildings must not exceed 15,000 square feet & must be incidental to the retail, service or processing operation. Floor areas do not include basement areas not open to the public. 1.4
Miscellaneous Eligible Classifications Multiple Occupancy – If a multiple occupancy building includes both eligible & ineligible operations, the business personal property of an otherwise eligible tenant is eligible. Financial Institutions – Buildings leased to others for use as offices of banks, credit unions, or other financial institutions are eligible. Warehouses – Warehouses used by the insured solely for the private storage of the insured’s goods are eligible. The contents of the warehouse are also eligible. Churches – Including their contents & auxiliary buildings are eligible. Churches with daycare or school facilities or area over 15,000 square feet are not eligible. Parsonages may be written under the Homeowners program using the homeowner rate less 10%. We do require the Churches name & the pastors’ name, as their interest may appear, on the Homeowners application. We must also insure the church for the above credit.
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Rules – 3
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 1.5
Ineligible Classifications The following classifications and property are ineligible for coverage under this program: ------------
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Automobile - dealers, repair, service, or salvage Condominium buildings (except office or residential condominiums) Contractors Farms Financial institutions (except as explained in Rule 1.4) Household personal property Manufacturing (except for eligible classifications) Parking lots or garages (unless incidental to an otherwise eligible classification) Places of amusement Service or processing (except for eligible classifications) Wholesalers
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 2 -- PROGRAM DESCRIPTION A businessowners policy must provide coverage for all eligible business buildings and business personal property owned by an insured and for all business liability exposures of an insured. The following is a general description of the coverages provided by the businessowners policies. The policies contain the complete conditions. 2.1
Forms of Coverage Two Businessowners Policies are available: BP-100 - Businessowners Standard Policy -- Provides named perils coverage for property, loss of income coverage, and includes commercial liability coverage. The covered perils are fire or lightning, explosion, sonic boom, windstorm or hail, smoke, vehicles and aircraft, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action. BP-200 - Businessowners Special Policy -- Provides coverage against all physical losses, with certain exceptions, for property. Also provides coverage for loss of income and includes commercial liability coverage.
2.2
Coverage Descriptions -- Principal Coverages Coverage A - Buildings -- Covers buildings and structures described on the declarations, including: -------
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completed additions; fixtures and machinery which are a permanent part of the building; outdoor fixtures; personal property used to maintain the building; additions, alterations, and repairs to the building; materials, equipment, supplies, and temporary structures, used for the construction of the building; and
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA ---
landlords' personal property in furnished apartments or rooms. appurtenant structures valued under $2,000.
Coverage B - Business Personal Property -- Covers business personal property in the described building or in the open on or within 100 feet of the described premises. This includes: --
the insured's interest in personal property of others in the insured's care, custody, or control, to the extent of the insured's legal liability, labor, material, and services; and
--
the insured's use interest as tenant in improvements to the described building.
Coverage C - Loss of Income -- Provides up to one year of earnings and extra expense coverage when the business is interrupted by a loss caused by a peril insured against. Coverage L - Bodily Injury, Property Damage Liability -- Pays on behalf of the insured for damages due to bodily injury or property damage caused by an occurrence to which the insurance applies. Bodily injury and property damage that arise out of the products and completed work hazard are not included under Coverage L. Coverage M - Medical Payments -- Pays medical expenses for bodily injury caused by an accident on premises owned by or rented to an insured or resulting from the insured's operations. Coverage N - Products/Completed Work -- Pays on behalf of the insured for damages due to bodily injury or property damage arising out of the products or completed work hazard and caused by an occurrence to which the insurance applies. Coverage O - Fire Legal Liability -- Pays for property damage to buildings or parts of buildings which are rented to an insured, if the damage is caused by a fire and the insured is legally liable for the fire damage.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Coverage P - Personal Injury Liability/Advertising Injury Liability -Personal injury pays for injury other than bodily injury and includes such offenses as slander, libel, invasion of privacy, false arrest, detention, imprisonment, malicious prosecution, wrongful entry, and eviction. The offenses can result from oral or written publication of material. Coverage P does not extend to offenses committed by insureds in the business of advertising, publishing, broadcasting, or telecasting. Advertising injury pays for injury other than bodily injury and includes such offenses as slander, libel, disparagement of a person's or organization's goods or services, invasion of privacy, misappropriation of advertising ideas or style of doing business, or infringement of copyright, title, slogan, trademark, or trade name. 2.3
Basic Limits The rating information shown in this manual reflects the following basic limits of insurance. Coverage A
Full replacement value or actual cash value of the insured buildings
Coverage B
Full replacement value or actual cash value of the insured business personal property
Coverage C
20% of Coverage A limit + 100% of Coverage B limit
Each Occurrence Limit
$300,000/occurrence
Medical Payments Limit
$5,000/person
Fire Legal Liability Limit
$50,000/occurrence
The Each Occurrence Limit, subject to the aggregate limits, is the most that will be paid for all injury and damages covered under Coverages L, M, N, O, and P for one occurrence.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Rules that addresses loss of income coverage without a dollar limit and higher each occurrence limits are included in this manual. Show the applicable limits on the declarations. 2.4
Aggregate Limits The rating information shown in this manual contemplates a General Aggregate Limit equal to twice the Each Occurrence Limit and a Products/Completed Work Hazard Aggregate Limit equal to the Each Occurrence Limit. Show the aggregate limits on the declarations.
2.5
Church Supplement Medical payments coverage includes church officers, members, and donated laborers, and athletic participants. Attach endorsement GL-528.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 3 -- POLICYWRITING INSTRUCTIONS 3.1
Policy Format A businessowners policy consists of the following components: -----
3.2
Form BP-100 or Form BP-200 Declarations and any Supplementary Declarations Optional endorsements, if applicable State amendatory endorsements or other required endorsements, if applicable
Endorsements Information called for as entries on endorsements can be shown on the declarations or a supplemental schedule instead.
3.3
Policy Term Policies can be written for a term of one year and renewed annually or written on a continuous basis. 3.3.1
Renewable Policies Use the rating information in effect at the time of the annual renewal. Any newly applicable forms or endorsements must be made part of the policy at each annual renewal date. Attach endorsements BP-336 and BP-604.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 3.3.2
Continuous Policies Continuous policies are in effect until canceled. (A notice with an expiration date must be issued at the time of cancellation). The premium for each successive term is calculated using the rating information in effect at the policy anniversary date. Any newly applicable forms or endorsements must be made part of the policy at each anniversary date. Attach endorsement BP-336.
3.4
Cancellation Coverage for buildings or business personal property or liability coverage cannot be canceled unless the entire policy is canceled. Policies canceled by either the insured or the company must be canceled in accordance with the terms of the cancellation provisions that apply. The return premium, if any, is computed on a pro rata basis. When calculating the return premium, round to the nearest whole dollar. Retain any minimum premium that may apply, unless canceling a policy as of the inception date.
3.5
Scheduled Buildings, Business Personal Property, and Loss of Income A businessowners policy cannot be issued on a blanket basis. Show the limit each covered building and the limit for personal property at each location on the declarations. Show the limit for loss of income coverage at each location on the declarations unless the Loss of Income -- Without a Limit option applies.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 3.6
Policy Changes Changes can be made to policies after inception, including adding or deleting optional coverages. Attach endorsement BP-346. 3.6.1
Additional Premium Changes Changing an Existing Location -- If changes are made to a location included at the inception of the policy, use the rules and rating information in effect on the effective date of the policy when calculating the additional premium. Adding a New Location -- If a location is added after the inception of the policy, use the rules and rating information in effect on the date of the change when calculating the additional premium. Changing a New Location -- If changes are made to a location added after the inception of the policy, use the rules and rating information in effect on the date the location was first added to the policy when calculating the additional premium. Calculate additional premiums on a pro rata basis.
3.6.2
Return Premium Changes Calculate all return premiums using the rating information in effect when coverage was issued. Calculate return premiums on a pro rata basis when a limit is reduced or an exposure is eliminated. Retain the policy writing minimum premium, if applicable.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 3.7
Policy Restrictions and Increased Premiums Policies can be issued with coverage restrictions or at increased premiums if the policy would not otherwise be issued. The insured must agree to any restrictions or premium increases in writing.
3.8
Loss Payable Options The standard mortgage provisions are included in the BP-100 and BP-200. Other loss payable options can be used in those instances where the standard mortgage provisions are not applicable. The following options can be used when another party has a financial interest in the property of an insured and requires status as a loss payee under the insurance covering the property. 3.8.1
Loss Payable -- Option 1 This option requires the insurer to pay claims jointly to the insured and the loss payee as their interests may appear. This option does not offer the loss payee any protection if the actions of the insured affect the coverage. Nor does it require that advance notice of cancellation or nonrenewal be given to the loss payee. Attach endorsement CP-132 and indicate that Option 1 applies.
3.8.2
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Lender's Loss Payable -- Option 2 This option includes provisions similar to the standard mortgage provisions in the policies, except that it is not limited in its application to buildings or structures.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA This option can be used with coverage for personal or real property if the other party has an interest that can be established by a written contract or other documentary evidence. This option also gives the loss payee limited protection against acts of the insured that void coverage. Advance notice of cancellation or nonrenewal must be given to the loss payee. Attach endorsement CP-132 and indicate that Option 2 applies. 3.8.3
Contract of Sale -- Option 3 This option is used when the insured is in the process of buying or selling property and both the seller and the buyer have insurable interests in the property. This option does not offer the loss payee any protection if the actions of the insured affect the coverage. Nor does it require that advance notice of cancellation or nonrenewal be given to the loss payee. Losses are paid jointly to the insured and the loss payee as their interests appear. Attach endorsement CP-132 and indicate that Option 3 applies.
3.9
Valuation As indicated on the declarations, property losses are settled on a replacement cost basis or an actual cash value basis, and covered property must be insured for its full value.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 3.10
Condominium Associations When the policy is issued to cover the interests of a condominium association, the policy terms must be amended accordingly. Attach endorsement BP-338. Policies issued to a condominium association can cover the buildings and exclude coverage for all fixtures, improvements, and alterations solely owned by individual condominium unit-owners. Attach endorsements BP-317 and BP-338. Policies issued to a condominium association can cover the buildings and exclude coverage for fixtures, improvements, and alterations that have been added to units by unit-owners after the original construction or conversion, and are not of the same kind and quality as those initially installed, and are solely owned by individual unit-owners. Attach endorsements BP-318 and BP-338.
3.11
Condominium Unit-Owners When the policy is issued to cover individual condominium unitowners, the policy terms must be amended to cover the fixtures, improvements, and alterations owned by the unit-owner that are a part of the building. Attach endorsement BP-350.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINA RATES 8.21
Glass Factor Exterior – second floor and below Exterior – above second floor Interior
1.00 0.50 0.33
Territory 01-02
$0.42 per square foot
RULE 9 – LIABILITY COVERAGE OPTIONS 9.1 Higher Limits 9.1.2
Higher Fire Legal Liability Limit Coverage O Limit Factor $ 100,000 10 250,000 40 500,000 90
9.2 Additional Insureds 9.2.1 Lessors BP-842 Apartment or Office Retail or Service
$ 6 per add’l insured, per location $18 per add’l insured, per location
9.2.9 Lessor of Leased Equipment BP-305 Apartment or Office Retail or Service
$ 6 per add’l insured, per location $18 per add’l insured, per location
For all other additional insureds, charge is $25 per policy. 9.3 Non-owned/Hired Automobiles Coverage This rule does not apply. 9.5 Professional Liability 9.5.1 Pharmacist’ Professional Liability Coverage Limit $300,000 500,000
FMIC Rev 1-12
$ 0.71 per $1000 of gross receipts 0.82 per $1000 of gross receipts
RATING INFORMATION – 15
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 3.15.2 Effective Time Change To comply with the provisions of the West Virginia Standard Fire Policy, policies must be written to be effective between 12 noon Standard Time on the inception date and 12 noon Standard Time on the expiration date. When the declarations page is pre-printed with an effective time of 12:01 a.m. Standard Time, the effective time must be changed to 12 noon Standard Time. Attach endorsement CL-292.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 4 -- DEFINITIONS 4.1
Fire Protection Classifications Protected -- Building is located within 1,000 feet of a fire hydrant and is within five road miles of a responding fire department. Partially Protected -- Building is located more than 1,000 feet from a fire hydrant but is within five road miles of a responding fire department. Unprotected -- All other.
4.2
Building Construction Classifications Frame -- Buildings where the exterior walls are wood or other combustible materials, including construction where combustible materials are combined with other materials (such as brick veneer, stone veneer, wood iron-clad, or stucco on wood). Joisted Masonry -- Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials, and where the floors and roof are combustible (disregarding floors resting directly on the ground). Non-combustible -- Buildings where the exterior walls, floors, and roof are constructed of, and supported by, metal, asbestos, gypsum, or other non-combustible materials. Masonry Non-combustible -- Buildings where the exterior walls are constructed of masonry materials as described in joisted masonry above, with the floors and roof of metal or other non-combustible materials. Modified Fire Resistive -- Buildings where the exterior walls, floors, and roof are constructed of masonry or fire resistive material with a fire resistance rating of one hour or more, but less than two hours. Rate as fire resistive.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Fire Resistive -- Buildings where the exterior walls, floors, and roof are constructed of masonry or fire resistive materials having a fire resistance rating of not less than two hours. Mixed Construction -- When a building is of mixed construction, determine the applicable construction type as follows:
4.3
--
If more than 1/3 of the total exterior wall area is of combustible materials, the applicable construction type is frame.
--
If 2/3 or more of the total exterior wall area and 2/3 or more of the floor and roof area is of non-combustible materials, the applicable construction type is non-combustible.
--
If 2/3 or more of the total wall area is of masonry or fire resistive materials, the construction type is: --
Fire resistive or modified fire resistive, when 2/3 or more of the total floor and roof area is of masonry or fire resistive materials.
--
Masonry non-combustible, when 2/3 or more of the total floor and roof area is of non-combustible materials.
--
Joisted masonry, when more than 1/3 of the total floor and roof area is of combustible materials.
Sprinklered Property A building is classified as sprinklered if the entire building is protected by an automatic sprinkler system. Automatic sprinkler system means any automatic fire protective or extinguishing system.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 5 -- PREMIUM MODIFICATIONS 5.1
Protective Devices or Services The premium can be modified to reflect protective devices or services. Premium credits are allowed for the installation of the following approved and properly maintained protective devices or services: ----
Burglar Alarm System Watchman Sprinkler System
The company must be notified if the protective devices or services are discontinued or out of service. Attach endorsement BP-331 and describe the protective device or service on the endorsement. When a burglar alarm system is maintained or a watchman employed, multiply the standard and special form business personal property rating information by the appropriate protective device or service factor shown in this manual. When a sprinkler system is maintained, multiply the building and business personal property rating information for standard form coverage by the appropriate protective device or service factor shown in this manual. 5.2
Other Premium Modifications Other premium modifications can be allowed. Refer to the company.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 6 -- DEDUCTIBLES With the exception of losses payable under Fire Department Service Charge coverage, a deductible will be applied to all property losses covered by forms BP-100 and BP-200. No deductible applies to the Loss of Income or Commercial Liability coverages provided by the BP-100 or BP-200. Unless otherwise indicated, the rating information shown in this manual reflects a $500 deductible amount. The following higher deductible amounts are available: $1,000 3,000 5,000 10,000 Show the deductible amount on the declarations. Modify the basic premium to reflect the deductible amount selected as described in the premium determination rule. The higher deductible amounts also apply to the property coverage options, unless the form or endorsement used to provide the option states otherwise. Only the standard $500 deductible applies to the following coverage options: Burglary and Robbery Coverage (Option 2) Condominium Loss Assessment Coverage Employee Dishonesty Coverage Exterior Glass Coverage Interior Glass Coverage Money and Securities Coverage Outdoor Sign Coverage The rule for each property coverage option includes deductible information.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 7 -- PREMIUM DEVELOPMENT 7.1
Factors or Multipliers Factors or multipliers should be applied consecutively and multiplied by each other. They should not be added together, unless specified otherwise.
7.2
Rounding Procedure 7.2.1
Rates Rating information should be rounded to three decimal places after the final calculation. Five-tenths or more of a mil will be considered one mil. For example:
7.2.2
7.3
.2225 = .223 .2224 = .222
Premiums Premiums for the coverages that require a separate calculation should be rounded to the nearest whole dollar.
Interpolation Rating information for which a limit is not shown should be developed by interpolation.
7.4
Minimum Premiums The annual policy minimum premiums vary by form of coverage as shown below. Form BP-100 Form BP-200
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$150 $250
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 7.5
Multiple Occupancies Building --
Determine the percentage of total floor area for each occupancy in the building.
--
Classify a building based on the highest rated occupancy unless another occupancy is 80% or more of the total area. The total area of a retail, service, or processing occupancy cannot exceed 15,000 square feet.
--
Rate the building using the lessor's risk rating information if the owner of the building occupies 75% or less of the total floor area of the building. Rate the building using the owneroccupied rating information if the owner occupies more than 75% of the total floor area of the building.
Floor areas do not include basement areas not open to the public.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Business Personal Property --
7.6
Rate the business personal property for each occupancy using the rating information for that occupancy. For example, if an office building includes a barber shop, rate the business personal property of the office using the office rating information and rate the business personal property of the barber shop using the barber shop rating information.
Premium Determination The rating information shown in this manual applies to policy terms of one year. The premium for the building and business personal property coverages are calculated using separate building and business personal property limits. Retail, Service, and Office Exposures Rating information shown for owner-occupied buildings is labeled "OCC" and rating information for leased buildings is labeled "LESS". The business personal property rating information is shown separately. Apartment, Habitational Condominium Associations, and Dwellings The building rating information is used for both the building and the business personal property coverages.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 7.6.1
Basic Premium -- Building Step 1 -- Select the property rate group from the classification section of this manual. Step 2 -- For each covered building, use the territorial assignment, protection classification, and construction classification to determine the appropriate building rating information per $1,000 of insurance. Step 3 -- If the building is protected by an automatic sprinkler system, multiply the rating information determined in Step 2 by the appropriate protective device factor for sprinklered properties. Step 4 -- If the policy is issued with a liability Each Occurrence limit of $500,000 or $1,000,000, add the higher liability increment to the result of Step 3, if applicable. Step 5 -- If Form BP-200 applies, add the rating information for special form coverage to the result of Step 4. Step 6 -- Multiply the result of Step 5 by any factors that are used to adjust the rating information for other premium modifications or coverage options that apply. Step 7 -- Multiply the result of Step 6 by the building limit in thousands. Step 8 -- Multiply the result of Step 7 by the deductible factor to determine the basic premium for each covered building.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 7.6.2
Basic Premium -- Business Personal Property Step 1 -- Select the property rate group from the classification section of this manual. When form BP-200 applies, also select the special rate group from the classification section. Rate group 0 applies when coverage for theft is excluded under the BP-200. Step 2 -- For the business personal property at each covered location, use the territorial assignment, protection classification, and construction classification to determine the appropriate business personal property rating information per $1,000 of insurance. Step 3 -- If the business personal property is protected by an automatic sprinkler system, multiply the rating information determined in Step 2 by the appropriate protective device factor for sprinklered properties. Step 4 -- When the policy is issued with a liability Each Occurrence limit of $500,000 or $1,000,000, add the appropriate higher liability increment to the result of Step 3. Step 5 -- Multiply the result of Step 4 by the business personal property limit in thousands. Step 6 -- If form BP-200 applies, use the rating information for the appropriate rate group to determine the special form personal property charge that corresponds to Coverage B limit. Add the applicable special form charge to the result of Step 5.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Step 7 -- Multiply the result of Step 6 by any factors that are used to adjust the rating information for other premium modifications or coverage options that apply. Step 8 -- Multiply the result of Step 7 by the deductible factor to determine the basic premium for the business personal property at each covered location. 7.6.3
Additional Premium -- Swimming Pools This rule does not apply.
7.6.4
Additional Premium -- Property and Liability Coverage Options Some of the rules in this manual that describe the property and liability coverage options require an adjustment to the rating information. Such adjustments are made in determining the basic building and/or business personal property premiums. Other rules call for developing an additional premium for the applicable coverage. Use the instructions in this manual to determine any applicable additional premiums for the coverage options selected.
7.6.5
Total Policy Premium The individual risk premium modification factor is multiplied by the sum of the following to determine the total policy premium: ----
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basic policy premium for each covered building, basic policy premium for business personal property at each covered location, and additional premium for any applicable property and liability coverage options.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 8 -- PROPERTY COVERAGE OPTIONS 8.1
Actual Cash Value Property can be covered on an actual cash value basis instead of on a replacement cost basis by making the appropriate entry on the declarations. The property must be insured for its full actual cash value.
8.2
Automatic Increase -- Coverages A and/or B This rule does not apply.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.3
Peak Season -- Coverage B When Coverage B is written at 100% of the average monthly value, the policy provides an automatic increase of 25% of the Coverage B limit for seasonal increases in value. If the 100% minimum average value is not met or if more than a 25% increase is needed, the Coverage B limit can be increased for seasonal changes in value. The period for which limits are increased cannot extend beyond the policy expiration date. Attach endorsement BP-323 and complete the schedule. To determine the additional premium, prorate the premium for the additional Coverage B limit based on the specific period for which the limit is increased. Multiply the additional premium by the deductible factor.
8.4
Loss of Income -- Without a Limit Losses under Coverage C -- Loss of Income, can be paid for up to one year without showing a dollar limit on the declarations. When this option is selected, a 72-hour waiting period can be imposed on the Loss of Income coverage. 8.4.1 Coverage Without a Waiting Period When Coverage C -- Loss of Income is written without a limit, determine the additional premium by multiplying the building and business personal property premium by the corresponding factor shown in this supplement. This coverage is not subject to the property loss deductible. Do not apply the property loss deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.4.2 Coverage Subject to a 72-Hour Waiting Period When Coverage C -- Loss of Income is written without a limit, a 72-hour waiting period can be imposed on the coverage provided for Earnings. The 72-hour waiting period will also apply to the Earnings coverage provided under the Supplemental Loss of Income Coverages for Interruption by Civil Authority. Extra Expense provided under these coverages is not subject to the 72-hour waiting period. However, the period of time during which the Earnings and Extra Expense applies under the Interruption by Civil Authority is extended from the two weeks to three weeks when the 72hour waiting period is imposed. Determine the additional premium by multiplying the building and business personal property premium by the corresponding factor shown in this supplement. This coverage is not subject to the property loss deductible. Do not apply the property loss deductible factor. Attach endorsement BP 0620.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.5
Ordinance or Law Extension -- Increased Cost of Construction Limited coverage for increased costs resulting from the enforcement of any ordinance or law is provided under the building and business personal property coverage following a covered loss. Additional coverage can be provided for loss to the undamaged portion of a building that results from the enforcement of an ordinance or law following a covered loss. Attach endorsement BP-321 and identify the covered buildings. Increase the building limit as needed and use the building rating information for all covered perils. No adjustment to the rating information applies. When the coverage described above applies, the policy can be further extended to provide additional coverage for other costs associated with the enforcement of an ordinance or law, including increased debris removal and demolition costs and/or increased cost of construction. Specify the additional limit for Debris Removal and Demolition and/or Increased Cost of Construction for the buildings identified on endorsement BP-321. To determine the additional premium, multiply each limit shown on endorsement BP-321 by the building rating information for all applicable perils. Multiply the result of this calculation by the ordinance or law extension factor shown in this manual. Multiply the additional premium by the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.6
Back-up of Sewers and Drains Coverage for loss caused by water that backs up through sewers or drains can be added for property covered under Coverage A or Coverage B. Attach endorsement BP-330 and identify the covered property and show the limits on the schedule. To determine the additional premium, multiply the water damage limit by the rating information shown in this manual. Multiply the additional premium by the deductible factor.
8.7
Crime Coverages -- BP-100 Only 8.7.1
Burglary and Robbery Coverage -- Option 1 Coverage can be provided for loss to business personal property (other than money and securities) resulting from burglary or robbery. Attach endorsement BP-302. Do not use this option with Burglary and Robbery Coverage (Option 2) or Theft Coverage, endorsement BP-306. Select the appropriate rate group from the Special column in the classification section in this manual. To determine the additional premium, use the rating information for the applicable rate group to determine the special form charge for business personal property that corresponds to the Coverage B limit. Multiply the special form charge by the burglary and robbery (Option 1) factor shown in this manual. If burglary protection devices or services are maintained, multiply the additional premium by the appropriate protective device or service factor shown in this manual and multiply the result by the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.7.2
Burglary and Robbery Coverage (Limits $1,000 - $5,000) -- Option 2 Limited coverage can be provided for loss to business personal property resulting from burglary, robbery, safe burglary, and messenger robbery. The minimum limit is $1,000 and the maximum limit is $5,000. This option does not include coverage for loss to money and securities resulting from burglary. This option is built into the BP-100 and is activated by indicating the option on the declarations. Also show the limit that applies. Do not use this option with Burglary and Robbery Coverage (Option 1), endorsement BP-302, or Theft Coverage, endorsement BP-306. Select the appropriate rate group from the Special column in the classification section in this manual. To determine the additional premium, multiply the burglary and robbery base amount by the burglary and robbery (Option 2) factor shown in this manual for the applicable rate group and limit. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.7.3
Theft Coverage Coverage can be provided for loss to business personal property (other than money and securities) resulting from theft. Attach endorsement BP-306. Do not use this option with Burglary and Robbery Coverage (Options 1 or 2) described above. Select the appropriate rate group from the Special column in the classification section in this manual. To determine the additional premium, use the rating information for the applicable rate group to determine the special form charge for business personal property that corresponds to the Coverage B limit. Multiply the special form charge by the theft factor shown in this manual. If burglary protection devices or services are maintained, adjust the additional premium by the appropriate protective device or service factor shown in this manual and multiply the result by the deductible factor.
8.8
Employee Dishonesty Coverage can be provided for loss or damage to business personal property, including money and securities, resulting from dishonest acts committed by the insured's employees. The minimum limit is $5,000 and the maximum limit is $50,000. Use the employee dishonesty rating information shown in this manual to determine the additional premium. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.9
Money and Securities Coverage can be provided for loss to money and securities resulting from theft, disappearance, or destruction. This option is built into form BP-200 and is activated by indicating the option on the declarations. Also show the inside the premises and outside the premises limits that apply. For form BP-100, attach endorsement BP-304 and show the limits that apply. To determine the additional premium, multiply the money and securities base amount by the money and securities factor shown in this manual for the applicable limits and occupancy. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
8.10
Theft Exclusion -- BP-200 Only Coverage for loss resulting from theft can be excluded. Attach endorsement BP-348. Use the rating information in the special policy personal property pages for rate group 0 instead of the rate group specified in the classification section when determining the basic policy premium.
8.11
Condominium Loss Assessment Condominium loss assessment coverage can be provided for condominium unit-owners. Attach endorsement BP-319 and complete the schedule. Use the condominium loss assessment rating information shown in this manual to determine the additional premium. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.12
Accounts Receivable Coverage against physical losses, with certain exceptions, can be provided for accounts receivable. This includes sums that cannot be collected from customers because the records were damaged or destroyed, the cost to reconstruct damaged or destroyed records, increased collection costs, and interest on loans used to offset losses prior to receipt of insurance proceeds. Attach endorsement BP-320; describe each covered location and show the limit that applies. To determine the additional premium, multiply the accounts receivable factor shown in this manual by the standard form business personal property rating information for the appropriate rate group. Multiply the result of this calculation by the accounts receivable limit in thousands. This coverage is not subject to a deductible. Do not apply the deductible factor.
8.13
Valuable Papers and Records Limited coverage for valuable papers is provided in the policy. Additional coverage against physical losses, with certain exceptions, can be provided for valuable papers and records. This optional coverage includes loss caused by earthquake, flood, seepage, or water damage. Attach endorsement BP-328; describe each covered location and show the limit that applies. The coverage provided by this endorsement is subject to a separate deductible amount. Show the deductible amount on the endorsement.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA To determine the additional premium, multiply the valuable papers and records factor shown in this manual by the standard form business personal property rating information for the appropriate rate group. Multiply the result of this calculation by the valuable papers and records limit in thousands. Multiply the additional premium by the deductible factor. 8.14
Computers Coverage against physical losses, with certain exceptions, can be provided for computer hardware and software used in the operation of the covered business. This option includes coverage for loss caused by mechanical breakdown, earthquake, flood, and water damage. Attach endorsement BP-322 and complete the schedule; describe each covered location and show the limits that apply. The coverage provided by this endorsement is subject to a separate deductible amount. Show the deductible amount on the endorsement. To determine the additional premium, multiply the computer rating information shown in this manual by the hardware and software limits in thousands. Multiply the additional premium by the deductible factor.
8.15
Fine Arts Coverage against physical losses, with certain exceptions, can be provided for articles of fine arts. This option includes coverage for losses resulting from earthquake, flood, and water damage. All items must be scheduled with a specific limit on each item. Attach endorsement BP-324; describe the covered property and show the limits that apply. The coverage provided by this endorsement is subject to a separate deductible amount. Show the deductible amount on the endorsement.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA To determine the additional premium, multiply the fine arts factor shown in this manual by the standard form business personal property rating information for the rate group that corresponds with the location where the property is usually kept. Multiply the result of this calculation by the fine arts limit in thousands. Multiply the additional premium by the deductible factor. 8.16
Outdoor Signs Limited coverage for signs is provided in the policy. Additional coverage against physical losses, with certain exceptions, can be provided for outdoor signs. This option includes coverage for losses resulting from earthquake, flood, and water damage. This option is built into the policy and is activated by indicating the option on the declarations. Also show the limit that applies. To determine the additional premium, multiply the outdoor signs rating information shown in this manual by the outdoor signs limit in thousands. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
8.17
Spoilage Coverage can be provided for loss to scheduled perishable stock caused by the perils of breakdown and contamination and/or power disruption. The maximum limit is $50,000. Attach endorsement BP-327 and complete the schedule. To determine the additional premium, multiply the spoilage rating information shown in this manual by the spoilage limit in thousands. Multiply the additional premium by the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.18
Weather Limitations -- BP-200 Only This rule does not apply.
8.19
Earthquake Coverage for loss caused by earthquake and volcanic eruption can be provided for all property covered under Coverages A and B and for the loss of income coverage provided under Coverage C. Attach endorsement BP-332. The earthquake rating information shown in this manual for buildings and personal property is displayed by earthquake construction classification and earthquake zone. The earthquake rating information for personal property also reflects an earthquake rate group assignment. The earthquake zones are listed under Territorial Definitions. The earthquake rate group assignments for personal property are shown in the classification section of this manual. The earthquake construction classifications are described below. 8.19.1 Earthquake Construction Classifications Wood Frame Buildings Class 1C -Wood frame and wood frame stucco construction -Two stories or less if habitational -Three stories or less if not habitational -3,000 square feet or less ground floor area if not habitational
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Class 1C (Cont.) -Floors not concrete supported -Walls not unit masonry or concrete -Masonry veneer walls Class 1D -Wood frame and wood frame stucco construction -Floors not concrete supported -Walls not unit masonry or concrete -Masonry veneer walls All Metal Buildings Class 2A -Metal frame -Metal, wood, or cement-asbestos siding and roofing -One story -20,000 square feet or less ground floor area Class 2B -Metal frame -Metal, wood, or cement-asbestos siding and roofing Steel Frame Buildings Class 3A -Steel frame carrying all loads -Floors and roof of poured-in-place reinforced concrete or of concrete fill on metal decking welded to steel frame -Floor and roof supports not web steel -Exterior walls non-load bearing -Exterior walls poured-in-place reinforced concrete or reinforced unit masonry -Column-free areas not exceeding 2,500 square feet -Not under construction
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Class 3B -Steel frame carrying all loads -Floors of poured-in-place reinforced concrete or metal -Roof of poured-in-place reinforced concrete or metal if three stories or less -Roof of any material if over three stories -Exterior and interior walls not load bearing Reinforced Concrete, Combined Reinforced Concrete and Structural Steel Buildings Class 4A -Frame of poured-in-place reinforced concrete or combination of poured-in-place reinforced concrete and structural steel -Floors of poured-in-place reinforced concrete -Roof of poured-in-place reinforced concrete if three stories or less -Roof of any material if over three stories -Exterior walls of poured-in-place reinforced concrete or reinforced unit masonry -Column-free areas not exceeding 2,500 square feet -Not under construction Class 4B -Frame of poured-in-place reinforced concrete or combination of poured-in-place reinforced concrete and structural steel -Floors of poured-in-place reinforced concrete -Roof of poured-in-place reinforced concrete if three stories or less -Roof of any material if over three stories -Nonbearing walls of any material -Bearing walls of poured-in-place reinforced concrete
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Class 4C -Frame of precast concrete or combination of precast concrete with poured-in-place reinforced concrete or structural steel -Floors of reinforced concrete lift-slabs -Roof of reinforced concrete lift-slabs if three stories or less -Roof of any material if over three stories -Bearing walls of poured-in-place reinforced concrete -Nonbearing walls of any material Class 4D -Frame of poured-in-place reinforced concrete or combination of poured-in-place reinforced concrete and structural steel -Floors and roof of any material -Nonbearing walls of any material Concrete, Brick, or Block Building Class 5A -Load bearing exterior walls of poured-in-place reinforced concrete, precast reinforced concrete, reinforced brick, or reinforced concrete block masonry -Supported floors of wood or metal -One story -Not under construction Class 5AA -Load bearing exterior walls of poured-in-place reinforced concrete, precast reinforced concrete, reinforced brick, or reinforced concrete block masonry -Supported floors of wood or metal
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Class 5B -Load bearing walls of unreinforced brick or other unreinforced solid masonry, except adobe -Floors and roof of any material Class 5C -Load bearing walls of hollow tile, hollow unit masonry, adobe, or cavity wall construction -Floors and roof of any material Class 5D -Any other construction Mixed Construction Buildings Construction classes under 10% should be disregarded. Use class (over 10%) with the highest rate.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.19.2 Earthquake Premium Modifications The earthquake rating information shown in this manual must be adjusted to reflect various conditions that affect exposure to loss by earthquake and volcanic eruption. The earthquake premium modifications addressed by this manual are described below. Masonry Veneer Exterior masonry veneer on wood frame walls is not covered for loss caused by earthquake or volcanic eruption when the masonry veneer exceeds 10% of the exterior wall area. The coverage provided by endorsement BP-332 can be extended to include loss to exterior masonry veneer by adjusting the earthquake rating information and making an entry on the declarations to show that masonry veneer is included. Multiply the earthquake rating information for buildings by the masonry veneer factor shown in this manual. Ground Stability The building and personal property earthquake rating information shown in this manual must be adjusted when buildings are not on firm, natural ground. Multiply the earthquake rating information for buildings and personal property by the ground stability factor shown in this manual. Roof Tanks The building and personal property earthquake rating information shown in this manual must be adjusted when the building is equipped with a roof tank. Multiply the earthquake rating information for buildings and contents by the roof tank factor shown in this manual.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.19.3 Earthquake Deductible Endorsement BP-332 includes a special earthquake deductible provision that applies as a percentage of the covered property at the time of the loss. The rating information shown in this manual reflects a mandatory minimum earthquake deductible of 2% of the value of the covered property at the time of the loss. The earthquake deductible can be increased to a maximum of 40%. Use the rating information in this manual to determine the earthquake deductible factor. Multiply the additional premium developed for endorsement BP-332 by the applicable earthquake deductible factor. Show the earthquake deductible percentage on the declarations. 8.19.4 Earthquake Premium Determination Step 1 -- Select the earthquake rating information shown in this manual that reflects the applicable earthquake construction type and earthquake zone for each covered building and for the personal property at each covered location. The personal property rating information selected must also reflect the appropriate earthquake rate group assignment. Step 2 -- Multiply the rating information selected in Step 1 by any applicable earthquake premium modifications. Step 3 -- Multiply the result of Step 2 by the applicable Coverage A and Coverage B limits in hundreds. Step 4 -- Multiply the result of Step 3 by the appropriate earthquake deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.20
Sprinkler Leakage Earthquake Extension When earthquake coverage is not provided under endorsement BP332, the policy can be extended to include sprinkler leakage loss caused by earthquake or volcanic eruption. Coverage under this option must be provided for all property covered under Coverages A and B and for the loss of income coverage provided under Coverage C. Attach endorsement BP-325. (Do not use endorsement BP-325 when endorsement BP-332 applies; endorsement BP-332 includes sprinkler leakage coverage for loss caused by earthquake or volcanic eruption.) The sprinkler leakage earthquake extension rating information shown in this manual for buildings and personal property is displayed by earthquake construction classification and earthquake zone. The personal property rating information for this option also reflects a sprinkler leakage rate group assignment. The earthquake construction classifications are described under Rule 8.19.1. The earthquake zones are listed under Territorial Definitions. The sprinkler leakage rate group assignments ("l" - low, "m" moderate, and "h" - high) for personal property are shown in the classification section of this manual. Select the sprinkler leakage earthquake extension rating information shown in this manual that reflects the applicable earthquake construction type and earthquake zone for each covered building and for the personal property at each covered location. The personal property rating information selected must also reflect the appropriate sprinkler leakage rate group assignment. To determine the additional premium, multiply the rating information selected above by the applicable by the Coverage A and Coverage B limits in hundreds. Multiply the additional premium by the policy deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.21
Glass Limited glass coverage is provided under forms BP-100 and BP-200. Under form BP-100, no coverage is provided for the breakage of building glass or glass in an outdoor sign that results from vandalism. The vandalism exclusion does not apply to glass building blocks. Under form BP-200, coverage for the breakage of building glass that results from vandalism or from any other cause except one of the specified perils (other than vandalism) is limited to $100 per pane and $500 per occurrence. The special limits do not apply to glass building blocks. Plate glass or stained glass is included as part of the church building. The insured value of the building includes the value of the plate glass or stained glass. Additional glass coverage as described below may be provided under forms BP-100 and BP-200. 8.21.1 Exterior Glass Coverage against all physical losses, with certain exceptions can be provided for exterior glass. Only glass on the basement and ground floors is covered unless coverage for glass on all floors is indicated on the declarations. This option is built into the policy and is activated by selecting the option on the declarations. To determine the additional premium, separately measure the square footage of the covered glass located above the second floor and the covered glass located on the second floor and below. Multiply these measurements by the glass rating information and the appropriate exterior glass factor shown in this manual. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.21.2 Interior Glass Coverage against all physical losses, with certain exceptions, can be provided for interior glass which is permanently attached to or is a part of an interior wall, floor, or ceiling. Only glass on basement and ground floors is covered unless coverage for glass on all floors is indicated on the declarations. This option is built into the policy and is activated by selecting the option on the declarations. To determine the additional premium, multiply the glass rating information shown in this manual by the area of the covered glass in square feet. Multiply the result of this calculation by the interior glass factor shown in this manual. This coverage is not subject to deductible amounts greater than $500. Do not apply the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 8.22
Property Additional Coverage Endorsement The following rules and rating information apply to the Property Additional Coverage endorsement. This endorsement is added to the Businessowners Special Policy or Businessowners Standard Policy. The coverages provided by this endorsement relies on the terms and conditions of the policy. A policy can have both a Property Additional Coverage endorsement and a Businessowners optional coverage that provides the same coverage. For example if $5,000 of computer coverage is needed, $2,500 of coverage can be provided by the Property Additional Coverage Endorsement - 1 and $2,500 can be obtained through the optional computer coverage available under endorsement BP-322. The following is a general description of the coverages provided by this endorsement. The endorsement contains the complete conditions and coverages. Property Additional Coverage Endorsement - 1 Coverage Outdoor Signs Employee Dishonesty Valuable Papers and Records Accounts Receivable Spoilage Computers Money and Securities Money and Securities - Churches*
Limit $2,500 $5,000 $5,000 $5,000 $2,500 $2,500 $2,500 on premises/ $2,500 off premises $5,000 on premises/ $2,500 of premises
* Limits shown double during Easter, Thanksgiving, and Christmas. These coverages are included in the policy premium. Attach endorsement BP 0551 03 99
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 9 -- LIABILITY COVERAGE OPTIONS 9.1
Higher Limits 9.1.1
Higher Each Occurrence Limit The basic Each Occurrence Limit, which applies to Coverages L, M, N, O, and P, is $300,000. It can be increased to $500,000 or $1,000,000. Show the Each Occurrence Limit on the declarations. The incremental rating information for the higher Each Occurrence Limits is shown in this manual. Add the increment to the applicable property rating information as described in the premium determination rule.
9.1.2
Higher Fire Legal Liability Limit The basic Fire Legal Liability Limit, which applies to Coverage O, is $50,000. The Fire Legal Liability Limit can be increased to $100,000, $250,000, or $500,000. Show the Fire Legal Liability Limit on the declarations. To determine the additional premium, multiply the standard form building lessor's risk rating information for the appropriate rate group by the applicable factor for the higher fire legal liability shown in this manual. This coverage is not subject to a deductible. Do not apply the deductible factor.
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.2
Additional Insureds The liability section of the businessowners policies may require modification in order to extend the insured's liability protection to other persons or entities. This can be accomplished by the use of additional insured endorsements. Coverage for additional insureds is subject to all of the exclusions and conditions found in the liability section of the businessowners policy to which the additional insured endorsement is attached. Each endorsement may contain certain exclusions applying specifically to it. 9.2.1
Lessors The definition of insured can be amended to include the owner of the premises (lessor) from whom the named insured (lessee) leases the premises. The leased premises and the lessor must be described in the endorsement. The description of the leased premises must indicate the part of the premises leased by the insured. Attach endorsement GL-842. Use the rating information shown in this manual to determine the additional premium. This coverage is not subject to a deductible. Do not apply the deductible factor.
REV 3/99
Rules - 50
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.2.2
Controlling Interest The definition of insured can be amended to include controlling interests. Controlling interests are insured only for liability arising out of the described interest and the described premises and only while the named insured leases or occupies those premises. The extent of financial control and the premises involved must be described on the endorsement. Attach endorsement GL-108.
9.2.3
State or Political Subdivisions -- Premises Permits The definition of insured can be amended to include the state or political subdivision described in the endorsement. Coverage applies only with respect to operations performed by or on behalf of the named insured to which the state or subdivision has issued a permit. Attach endorsement GL-111.
9.2.4
Townhouse Associations The definition of insured can be modified to include each individual townhouse owner. Individual townhouse owners are covered for liability arising out of membership in townhouse associations. Attach endorsement BP-334.
9.2.5
Mortgagee, Assignee, or Receiver The definition of insured can be amended to include the interests of mortgagees, assignees, or receivers. The mortgagees, assignees, or receivers and the premises that the named insured owns, maintains, or uses must be described on the endorsement. These interests are insured for the liability arising out of those premises. Attach endorsement GL-108.
REV 3/99
Rules - 51
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.2.6
Owner or Lessor of Leased Land The definition of insured can be amended to include the owners or lessors of leased land. Attach endorsement BP-307.
9.2.7
Co-owner of Insured Premises The definition of insured can be amended to include the interests of co-owners. The ownership interest of the coowners and the premises involved must be described on the endorsement. Co-owners are covered only for liability as a co-owner of the premises insured. Attach endorsement GL-108.
9.2.8
Engineers, Architects, or Surveyors The definition of insured can be amended to include an architect, engineer, or surveyor engaged by the named insured. Coverage is limited to liability arising out of the named insured's premises or the named insured's work. Attach endorsement GL-117.
9.2.9
Lessor of Leased Equipment The definition of insured can be amended to include lessors of leased equipment. The additional insured's capacity must be indicated in the endorsement. A lessor of leased equipment is an insured only with respect to its liability arising out of the maintenance, operation, or use by the named insured of their equipment leased to the named insured. Attach a separate endorsement for each lessor of leased equipment. Attach endorsement BP-305. Use the rating information shown in this manual to determine the additional premium. This coverage is not subject to a deductible. Do not apply the deductible factor.
REV 3/99
Rules - 52
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.2.10 Grantor of Franchise The definition of insured can be amended to include grantors of franchises. The additional insured's capacity must be indicated in the endorsement. The grantor of a franchise is an insured only with respect to its liability as a grantor of that franchise. Attach endorsement BP-499. Refer to the company for rating information. 9.2.11 Vendors The definition of insured can be amended to include a vendor of the named insure's products. Limited products liability coverage is provided for such vendors. The products must be identified in the endorsement. Attach endorsement GL-843. Refer to the company for rating information. 9.2.12 Concessionaires Trading Under Your Name The definition of insured can be amended to include concessionaires described in the endorsement. This endorsement is used to provide coverage for those concessions or activities in a department store that are owned and conducted by others, but which are operated in the department store's name. Coverage for concessionaires applies only under Coverage N - Products and Completed Work. Attach endorsement GL-845. Refer to the company for rating information.
REV 3/99
Rules - 53
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.2.13 Designated Party This rule applies to additional insured situations not otherwise addressed. It is used to add a person or organization as an additional insured where there is no specific additional insured endorsement available for the class of persons or organizations to be added. The definition of insured can be amended to include designated persons or organizations. The designated party, the designated activity of the designated party, and the designated interest of the designated party must be described in the endorsement. The interests of the designated party should set forth the legal or other interest the party has in the insured's activities. Attach endorsement GL-841. Refer to the company for rating information. 9.3
Non-owned/Hired Automobiles Coverage This rule does not apply.
REV 3/99
Rules - 54
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.4
Definition of Employee Redefined The definition of employee can be amended to exclude leased workers. A leased worker is a person leased from a labor leasing firm to perform duties for the named insured. Attach endorsement GL-895.
9.5
Professional Liability 9.5.1
Pharmacists' Professional Liability Coverage Coverage for bodily injury or property damage arising from the professional services of a pharmacist can be added for an additional charge. Attach endorsement GL-118. The additional premium is determined by multiplying the gross receipts in thousands by the rating information shown in this manual. (Gross receipts means gross receipts from prescriptions, drugs, medical equipment or devices, health care products, and pharmacy professional services.) This coverage is not subject to a deductible. Do not apply the deductible factor.
9.5.2
Cosmetologists' Liability Coverage Coverage for bodily injury or property damage arising from the professional services of a cosmetologist can be added for an additional charge. Attach endorsement GL-244. Refer to the state rate pages for rating information.
REV 3/99
Rules - 55
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.5.3
Funeral Directors' Professional Liability Coverage Coverage for bodily injury or property damage arising from the professional services of a funeral director can be added for an additional charge. Attach endorsement GL-230. Refer to the state rate pages for rating information.
9.5.4
Optical Establishments Coverage for bodily injury or property damage liability arising from optical products and products furnished by the insured can be added. Attach endorsement GL-124. Refer to the state rate pages for rating information.
9.5.5
Hearing Aid Establishments Coverage for bodily injury and property damage liability arising from hearing aid products and services furnished by the insured can be added. Attach endorsement GL-124. Refer to the state rate pages for rating information.
9.5.6
Pastoral Counseling Professional Liability Provides professional liability for clergy by modifying Coverage L in the principle coverages. The additional premium is shown on the state rate pages. Attach endorsement GL 0519.
REV 3/99
Rules - 56
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.6
Employee Benefits Liability Coverage 9.6.1
Coverage Description Employee benefits liability coverage can be provided to cover damages to an employee caused by a negligent act, error, or omission in the administration of an employee benefits program. Employee benefits liability coverage is offered on a claims made basis. This means that the negligent act, error or omission must occur after the retroactive date shown in the schedule and before the end of the policy period, and the notice of the claim must be made within the policy period (or the extended reporting periods). The Employee Benefits Liability Coverage endorsement contains provisions for the following limits: Each Claim Limit -- The Each Claim Limit is the most that will be paid for all damages arising out of a single claim covered under Coverage E. Aggregate Limit -- The Aggregate Limit for Coverage E is the most that will be paid during each annual policy period for damages arising out of claims covered under Coverage E. The Aggregate Limit is the same as the Each Claim Limit. Deductible -- The deductible amount will be deducted from the amount of each claim. Attach endorsement GL-892 and show limits, deductible, and retroactive date on the schedule. Use the rating information shown in this manual to determine the additional premium.
REV 3/99
Rules - 57
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA The rating information contemplates a deductible of $1,000 for each claim. This coverage is not subject to deductible amounts other than $1,000. Do not apply the deductible factor. For organizations with more than 100 employees, refer to the company for rating information. 9.6.2
Extended Reporting Periods Extended reporting periods allow for injuries that occur after the retroactive date and before the end of the policy period, but the claim is not made until after the policy's expiration. Basic Extended Reporting Period The Basic Extended Reporting Period starts with the end of the policy period and lasts for: Twelve months for claims arising out of an event that was reported within 60 days after the end of the policy period; or Sixty days after the end of the policy period for all other claims. The Basic Extended reporting period is provided at no additional charge. No additional endorsement is required.
REV 3/99
Rules - 58
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.7
Personal and/or Advertising Injury Coverage Exclusions 9.7.1
Coverage P - Personal and Advertising Injury Coverage Excluded Coverage P - Personal and Advertising Injury Coverage can be excluded from the businessowners policies. Attach endorsement GL-905. Refer to the state rate pages for rating information.
9.7.2
Personal Injury Coverage Excluded Personal injury coverage can be excluded from the businessowners policies. Attach endorsement BP-313. Refer to the state rate pages for rating information.
9.7.3
Advertising Injury Coverage Excluded Advertising injury coverage can be excluded from the businessowners policies. Attach endorsement BP-315. Refer to the state rate pages for rating information.
REV 3/99
Rules - 59
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.8
Contractual Liability Coverage Limitation This rule does not apply.
9.9
Limitation of Coverage -- Designated Premises or Project Liability coverage can be limited to only those premises, incidental operations, or projects shown in the schedule. Attach endorsement BP-309.
9.10
Liability Exclusion -- Designated Premises or Operations Liability coverage can be excluded for the premises or operations shown in the schedule. This exclusion applies to the products manufactured or distributed from the designated premises and to the products and completed work hazard caused by the designated operations. Attach endorsement GL-210.
9.11
Cross Liability Exclusion Coverage for bodily injury to an insured can be excluded. Attach endorsement GL-899.
REV 3/99
Rules - 60
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA 9.12
Leased Premises Limitation Contractual liability coverage assumed under a lease of premises can be limited to only those premises shown in the schedule. Attach endorsement GL-906.
9.13
Punitive Damages Exclusion Punitive, exemplary, and vindictive damages can be excluded from the businessowners policies. Attach endorsement GL-894.
9.14
Coverage N - Products/Completed Work Excluded Coverage N - Products/Completed Work can be excluded for apartment, office, and condominium risks. Indicate the deletion of Coverage N on the declarations.
9.15
Employers Liability (Stop Gap) Coverage Employers liability coverage can be provided for the insured's operations in states with a monopolistic workers compensation state fund. The Employers liability coverage endorsement contains provisions for the following limits: Bodily Injury by Accident Limit -- The Bodily Injury by Accident Limit is the most that will be paid for all damages under Coverage Q for bodily injury to one or more employees arising out of one accident. It is subject to the policy General Aggregate Limit. Bodily Injury by Disease Limit -- The Bodily Injury by Disease Limit is the most that will be paid for all damages under Coverage Q for bodily injury by disease to any one employee.
REV 3/99
Rules - 61
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Bodily Injury by Disease - Aggregate Limit -- The Bodily Injury by Disease - Aggregate Limit is the most that will be paid for all damages under Coverage Q arising out of bodily injury by disease, regardless of the number of employees who sustain bodily injury by disease. Attach endorsement GL-836 and show the limits on the schedule or the declarations. Use the rating information shown in this manual to determine the additional premium. This coverage is not subject to a deductible. Do not apply the deductible factor.
REV 3/99
Rules - 62
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA
RULE 10 -- INDIVIDUAL RISK PREMIUM MODIFICATIONS The following modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rates. The sum of credits or debits developed using the following table cannot exceed 50%. Convert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.
RISK VARIATIONS (1) (2) (3)
(4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
Care and condition of equipment and premises Classification variations Cooperation of owners or operators with recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective equipment Damage and susceptibility Dispersion or concentration Employees: selection, training, supervision, experience Location: accessibility, congestion, and exposures Miscellaneous protective features or hazards Protective devices not otherwise reflected in rates Storage practices and hazardous operations Superior or inferior structural features Past losses relative to number of exposure units and subsequent preventive measures Other
REV 3/99
Rules - 63
RANGE OF MODIFICATIONS CREDIT DEBIT
10% 10%
to to
10% 10%
10% 10% 5%
to to to
10% 10% 5%
5%
to
5%
10%
to
10%
10%
to
10%
10% 10% 10%
to to to
10% 10% 10%
10% 50%
to to
10% 50%
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA CLASSIFICATION TABLE Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- APARTMENTS ----Apartments Single Occupancy: Up to 10 units Bldg. 10000 Cont. 10000 11-30 units Bldg. 10002 Cont. 10002 over 30 units Bldg. 10004 Cont. 10004
20
1
m
3
1 1
m m
3 3
Multiple Occupancies: Up to 10 units Bldg. 10010 Apt., Office, Service (Grp. I) Cont. 10010 Other Cont. 10012 11-30 units Bldg. 10014 Apt., Office, Service (Grp. I) Cont. 10014 Other Cont. 10016 Over 30 units Bldg. 10018 Apt., Office, Service (Grp. I) Cont. 10018 Other Cont. 10020
----- CONDOMINIUMS ----Condominiums Apartment Office
REV 3/99
19 19
Class - 1
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Use the apartment stat codes for apartment condominiums and the office stat codes for office condominiums.
REV 3/99
Class - 2
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- CHURCHES ----Churches Church Contents
40003 40035
1
1
m
3
1
m
3
1
m
3
6 1 1
h h h
3 2 3
----- DWELLINGS ----One- to Four-Family Rental Dwellings
10006
20
----- OFFICES ----Offices
1
Offices occupied exclusively by employees of the insured Bldg. 20000 Offices - other Bldg. 20002 Offices Cont. 20000 Offices - Apt., Service (Group I) Cont. 20000 Offices - Mercantile or Service Occupancy (Group II) Cont. 20002
----- SERVICE ----Appliance - service, repair Art Studios Barber
REV 3/99
40004 40006 40008
7 3 4
Class - 3
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- SERVICE (cont.) ----Beauty Parlors 40010 5 Camera Repair 40102 Copy & Duplicating 40014
1 7 2
h 6 1
3 h h
2 3
Dental Laboratories Dressmakers Dry Cleaners receiving
40016 40018
2 9
1 6
h h
2 3
40020
8
6
h
3
Engravers Funeral Homes Laundries - receiving
40022 40024 40026
10 1 8
1 1 2
h m m
3 1 2
Lithographers Locksmiths Mailing & Addressing
40028 40030 40032
10 9 2
1 4 1
h m h
3 3 1
40103 40101
7 5
6 1
h h
2 3
99054
10
2
h
2
Photographer Studios Printers Shoe Repair
40036 40038 40040
6 10 9
1 2 4
h h m
2 3 3
Tailors Taxidermists Telephone Answering Service
40042 40046
9 10
6 2
h h
3 3
40104
2
1
m
3
Musical Instrument Repair Nail Salons Photo Finishing Laboratories
REV 3/99
Class - 4
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- SERVICE (cont.) ----Television or Radio service 40044 Tuxedo Rental 40105 9 Video Tape Rental 40047 Watch, Clock, Jewelry Repair Word Processing Service
7 6 9
6 h 5
h 3 h
2
40048
8
5
h
2
40106
2
1
m
3
15
3
m
3
4
m
3
11 15 15
10 1 2
h h h
2 1 1
16 15
9 3
h h
2 3
15
1
m
2
15 15 15
2 1 1
h m l
3 3 2
2
----- RETAIL STORES ----Air Conditioning Supplies (no service) 30201 Appliance Sales - not TV, VCR, etc. 30004 15 Appliance Sales - TV, VCR, etc. Art Galleries Art Supplies
30006 30008 30010
Athletic Equip. & Sporting Goods 30012 Auto Parts & Accessories 30014 Bakeries (no restaurant) including Pizza Parlors 30016 Barber & Beauty Supplies Bath Accessories Beverages (no liquor)
REV 3/99
30202 30203 30018
Class - 5
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- RETAIL STORES (Cont.) ----Bicycle Sales (no repair) Books & Magazines
30020 30024
15 15
1 4
m h
3 3
Building Materials Cameras Candy (no cooking)
30026 30028 30030
15 15 15
4 5 1
h h h
4 2 2
Carpets & Rugs China, Glassware & Pottery Clocks
30032
11
4
m
4
30034 30204
15 15
3 2
l h
1 1
30036
15
6
h
3
30038
15
10 15
h 1
3 m
Clothing - children & infants Clothing - other than children Coffee
30205
Coins or Stamps Computer & Software Confectionery (no cooking)
30040 30042
15 15
7 4
h h
3 2
30030
15
1
h
2
15 1 15
5 h 4
m 3 h
2
2
m
2
15 17
3 3
m m
Convenience* (no cooking) 30044 Cosmetics, Perfume 30046 15 Curtains and Draperies 99078 Dairy Products Delicatessens (no cooking) Department
30048
15 30050 30052
2
3
3 3
*Convenience stores with gasoline sales require a 10% surcharge to the final premium. REV 3/99 Class - 6 AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- RETAIL STORES (Cont.) ----Discount Drug Dry Goods
30054 30056 30058
15 15 15
6 6 4
h m h
2 1 3
Fabrics Feed, Grain, Hay Five & Ten Cent
30060 30062 30064
15 15 17
4 1 4
h h h
3 3 2
Floor Coverings - no rugs or carpets Florists Fruit or Vegetable
30066 30068 30070
11 15 17
1 1 1
m m m
3 1 2
Furniture 30072 Fur 30074 Garden or Lawn Supplies 30076
12 15 15
4 8 1
h h h
2 2 4
General Stores 30078 Gift 30080 Glassware, China, Pottery 30034
15 15 15
4 2 3
h h h
2 1 1
15
4
h
3
17 6
5 m
m 2
2
14 15 15
4 5 2
h m h
2 2 2
Greeting Cards & Stationery 30082 Grocery - less than 3000 sq. ft. 30084 Grocery - other 30086 18 Hardware (no gun sales) Health Food Hearing Aid
REV 3/99
30088 30090 99032
Class - 7
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- RETAIL STORES (Cont.) ----Hobby, Craft Ice Cream or Milk (no cooking) Jewelry - imitation or novelty
30092
15
2
h
1
30048
15
2
m
2
30094
14
7
h
2
30096 30206
14 15
10 3
h m
2 2
30098
15
6
m
2
30100 30102 30104
11 15 15
2 6 3
h m m
3 1 2
Men's Clothing 30106 15 Millinery 30108 Musical Instruments 30110
10 15 15
h 6 4
3 h h
3 2
News Stands Notions Office Supplies & Furniture
99050 30207
15 15
4 4
h h
3 3
30112
15
4
h
3
Optical Goods Paint Pet
30116 30118 30120
15 15 15
2 1 5
h h m
1 3 2
Photographic Equipment 30028 Picture Framing 30208 Plumbing Fixtures & Supplies (no installation) 99058
15 15
5 2
h h
2 2
15
3
l
3
Jewelry - not imitation or novelty Kitchen Accessories Lamps & Lighting Fixtures Leather Products not shoes Liquor Meat, Seafood or Poultry
REV 3/99
Class - 8
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA Stat Classification
Code
Prop
------ Rate Groups -----SP SL EQ
----- RETAIL STORES (Cont.) ----Radio or TV Sales Record or Tape Sales Refreshment Stands (no cooking)
30122 30124
15 15
10 2
h h
2 2
30126
15
7
m
2
Religious Goods Retail - NOC Rug or Carpet
30128 30130 30032
15 15 11
2 5 4
h m m
2 2 4
Sewing Machines Shoe
99084 30136
15 11
4 4
h m
3 3
Souvenir Sporting Goods & Athletic Equip. Supermarkets - less than 3000 sq. ft.
30138
15
2
h
1
30012
16
9
h
2
30084
17
5
m
2
Supermarkets - other Tobacco Toys
30086 30144 30146
18 15 15
6 6 1
m h h
2 2 2
Trophy Vacuum Cleaners Variety
30209 30210 30148
15 15 15
2 4 3
h m h
2 3 3
Wallpaper Wigs Women's Clothing
30150 30211 30152
15 15 15
1 3 10
h h h
3 3 3
REV 3/99
Class - 9
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA TERRITORIAL DEFINITIONS City
Territory
Buckhannon
02
Charleston
02
Clarksburg
02
Elkins
02
Huntington
02
Morgantown
02
Parkersburg
02
Weston
02
Wheeling
02
Balance of State
01
EARTHQUAKE ZONES County
Zone
Cabell
4
Greenbrier
4
Jackson
4
Lincoln
4
Mason
4
REV 3/99
TD - 1
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL TERRITORY 02
WEST VIRGINIA BUILDING RATES (PER $1,000)
STANDARD POLICY $500 DED
PROTECTED RATE GROUP 1
OCC LESS
FRAME MAS/JST. 2.89 2.27 2.93 2.32
N-C 1.69 1.74
MAS. N-C 1.11 1.16
FIRE RESIST. 0.74 0.79
HIGHER LIABILITY LIMIT $500,000 N/A 0.01
2-6
OCC LESS
4.69 5.16
3.54 4.00
3.07 3.53
1.75 2.21
1.11 1.58
N/A 0.05
7-10
OCC LESS
7.15 7.58
5.30 5.72
4.56 4.99
2.64 3.07
1.66 2.08
N/A 0.05
11-18
OCC LESS
7.42 7.94
5.50 6.03
4.75 5.26
2.74 3.27
1.71 2.24
N/A 0.05
*
19
APT OFF
6.20 2.93
4.68 2.32
4.08 1.74
2.44 1.16
1.62 0.79
0.01 0.01
*
20
7.63
5.78
5.02
2.99
1.98
0.02
∗
THESE RATES APPLY TO BOTH BUILDING AND BUSINESS PERSONAL PROPERTY. THE LESSOR'S RISK RATES AND THE RATE GROUP 19 AND 20 RATES INCLUDE $300,000 OF LIABILITY COVERAGE INCLUDING $5,000 PER PERSON MEDICAL PAYMENTS COVERAGE. Special Policy-Building $0.38 per $1,000 of insurance
FMIC REV 01/2005
RATING INFORMATION - 3
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL TERRITORY 01
WEST VIRGINIA PERSONAL PROPERTY RATES (PER $1,000)
STANDARD POLICY $500 DED
PROTECTED RATE GROUP 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
FRAME 4.84 10.30 12.30 12.47 12.98 13.31 16.07 16.40 17.08 14.06 17.46 19.90 15.76 17.73 18.32 20.76 19.11 22.25
MAS/JST. 3.87 7.96 9.96 10.13 10.65 10.99 12.77 13.10 13.79 10.77 13.74 15.55 12.50 14.02 14.60 16.42 15.39 17.92
N-C 2.90 7.11 9.10 9.28 9.80 10.14 11.57 11.91 12.59 9.57 12.38 13.98 11.30 12.66 13.25 14.83 14.04 16.33
MAS. N-C 2.26 4.58 6.58 6.75 7.27 7.61 8.15 8.48 9.18 6.16 8.53 9.56 7.97 8.80 9.39 10.41 10.17 11.91
FIRE RESIST. 1.69 3.32 5.32 5.49 6.01 6.35 6.42 6.74 7.43 4.41 6.54 7.26 6.25 6.83 7.41 8.13 8.21 9.61
HIGHER LIABILITY LIMIT $500,000 0.01 0.01 0.32 0.32 0.34 0.35 0.32 0.33 0.35 0.01 0.26 0.26 0.26 0.26 0.29 0.29 0.32 0.35
PARTIALLY PROTECTED 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
5.04 10.86 12.77 12.93 13.41 13.73 16.76 17.09 17.76 14.88 18.30 20.90 16.47 18.57 19.11 21.71 19.88 23.13
4.03 8.43 10.33 10.49 10.96 11.30 13.35 13.67 14.33 11.46 14.44 16.39 13.07 14.71 15.27 17.21 16.01 18.63
2.98 7.51 9.41 9.59 10.06 10.38 12.05 12.38 13.04 10.16 12.97 14.68 11.78 13.23 13.78 15.49 14.54 16.91
2.34 4.83 6.74 6.91 7.39 7.71 8.44 8.77 9.42 6.54 8.87 9.99 8.24 9.15 9.69 10.79 10.46 12.21
1.74 3.49 5.39 5.55 6.03 6.36 6.55 6.87 7.52 4.65 6.75 7.52 6.41 7.01 7.58 8.32 8.34 9.74
0.01 0.01 0.29 0.30 0.32 0.34 0.29 0.30 0.34 0.01 0.25 0.21 0.25 0.25 0.27 0.27 0.30 0.33
THE RATES INCLUDE $300,000 OF LIABILITY COVERAGE INCLUDING $5,000 PER PERSON MEDICAL PAYMENTS COVERAGE. FMIC REV 01/2005
RATING INFORMATION - 4
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL TERRITORY 01
RATE GROUP 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
WEST VIRGINIA PERSONAL PROPERTY RATES (PER $1,000)
STANDARD POLICY $500 DED
UNPROTECTED
HIGHER LIABILITY FIRE LIMIT RESIST. $500,000 1.85 0.01 3.65 0.01 5.66 0.32 5.85 0.32 6.35 0.34 6.69 0.35 6.91 0.32 7.25 0.33 7.94 0.35 4.90 0.01 7.11 0.26 7.91 0.26 6.74 0.26 7.39 0.26 7.97 0.29 8.77 0.29 8.77 0.32 10.27 0.35
FRAME 5.31 11.42 13.42 13.60 14.10 14.46 17.65 17.98 18.68 15.65 19.26 22.00 17.33 19.54 20.12 22.86 20.92 24.36
MAS/JST. 4.25 8.87 10.88 11.05 11.56 11.91 14.06 14.40 15.08 12.06 15.20 17.25 13.77 15.48 16.07 18.11 16.85 19.61
N-C 3.14 7.90 9.90 10.08 10.59 10.93 12.69 13.02 13.71 10.69 13.65 15.45 12.41 13.92 14.50 16.32 15.31 17.80
MAS. N-C 2.48 5.08 7.09 7.26 7.78 8.12 8.88 9.21 9.91 6.89 9.35 10.49 8.68 9.63 10.21 11.36 11.00 12.86
THE RATES INCLUDE $300,000 OF LIABILITY COVERAGE INCLUDING $5,000 PER PERSON MEDICAL PAYMENTS COVERAGE. FMIC REV 01/2005
RATING INFORMATION - 5
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL TERRITORY 02
WEST VIRGINIA PERSONAL PROPERTY RATES (PER $1,000)
STANDARD POLICY $500 DED
PROTECTED RATE GROUP 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
FRAME 4.19 8.70 10.71 10.89 11.40 11.74 13.83 14.16 14.86 11.83 14.94 16.96 13.55 15.21 15.80 17.81 16.60 19.31
MAS/JST. 3.37 6.78 8.78 8.96 9.47 9.82 11.11 11.45 12.14 9.11 11.87 13.36 10.86 12.15 12.73 14.23 13.52 15.72
N-C 2.56 6.09 8.07 8.26 8.77 9.10 10.11 10.45 11.13 8.11 10.73 12.05 9.87 11.01 11.59 12.90 12.39 14.41
MAS. N-C 1.98 3.92 5.92 6.10 6.60 6.94 7.22 7.56 8.24 5.23 7.48 8.31 7.04 7.75 8.34 9.18 9.12 10.68
FIRE RESIST. 1.50 2.87 4.85 5.04 5.54 5.88 5.76 6.10 6.78 3.77 5.82 6.41 5.62 6.10 6.68 7.26 7.48 8.76
HIGHER LIABILITY LIMIT $500,000 0.01 0.01 0.32 0.32 0.34 0.35 0.32 0.33 0.35 0.01 0.26 0.26 0.26 0.26 0.29 0.29 0.32 0.35
THE RATES INCLUDE $300,000 OF LIABILITY COVERAGE INCLUDING $5,000 PER PERSON MEDICAL PAYMENTS COVERAGE. FMIC REV 01/2005
RATING INFORMATION - 6
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA SPECIAL POLICY PERSONAL PROPERTY CHARGE RATES TERRITORY: ENTIRE STATE
PERSONAL PROPERTY LIMITS 1 10,000 10,001 20,000 20,001 30,000
RATE GROUPS 2 3 4 5 6 Rate Groups 1 - 10 Include Theft; 39 42 49 70 80 97 42 47 54 75 83 102 47 50 58 79 88 105 1
7 8 9 10 Rate Group 0 Excludes Theft 97 142 142 195 102 145 145 201 105 150 150 204
0 2 6 11
30,001 40,001 50,001
-
40,000 50,000 60,000
50 56 59
56 59 64
62 66 70
83 87 91
91 97 100
110 113 119
110 113 119
153 159 163
153 159 163
209 212 217
15 19 23
60,001 70,001 80,001
-
70,000 80,000 90,000
64 67 72
67 72 76
75 80 83
96 100 104
105 109 113
123 127 131
123 127 131
167 171 175
167 171 175
221 226 230
27 32 37
90,001 100,001 110,001
-
100,000 110,000 120,000
76 81 85
81 85 89
88 91 97
109 112 118
118 122 126
135 140 144
135 140 144
180 184 188
180 184 188
234 238 243
41 45 49
120,001 130,001 140,001
-
130,000 140,000 150,000
89 93 98
93 98 102
100 105 109
122 126 130
130 134 139
148 152 158
148 152 158
192 196 201
192 196 201
247 251 256
54 58 62
150,001 175,001 200,001
-
175,000 200,000 225,000
105 119 127
110 123 131
118 129 138
138 151 160
146 160 168
164 177 186
164 177 186
209 221 230
209 221 230
264 276 285
70 82 90
225,001 250,001 275,001
-
250,000 275,000 300,000
138 148 162
142 152 167
148 160 174
170 180 194
179 190 203
196 207 221
196 207 221
240 251 266
240 251 266
295 306 320
102 112 127
5
5
5
5
5
5
5
5
5
5
5
EACH ADDITIONAL 10,000
BASE AMOUNT: Money and Securities Burglary and Robbery
FMIC REV 01/2005
$39 $39
RATING INFORMATION - 7
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
RULE 3 - POLICYWRITING INSTRUCTIONS 3.15 Conditional Endorsements 3.15.1 Coal Mine Subsidence Coverage
Policies providing fire insurance for structures located in Territory 1, as shown below, must include coverage for loss caused by coal mine subsidence, unless the insured or applicant waives such coverage. Policies covering structures located in Territory 2, as shown below, may include coal mine subsidence insurance at the insured's or applicant's request. Make the additional premium charge shown below. Territory 1.
Entire State except for the counties listed in Territory 2
2.
Berkeley, Cabell, Calhoun, Hampshire, Hardy, Jackson, Jefferson, Monroe, Morgan, Pendleton, Pleasants, Ritchie, Roane, Wirt, and Wood counties Amount of Insurance $ $ $ $ $ $ $ $ $ $ $ $ $ $
10,000 10,001 15,001 20,001 25,001 30,001 35,001 40,001 45,001 50,001 55,001 60,001 65,001 70,001
Dwelling Structures or to to to to to to to to to to to to to
less $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000 $75,000
$
10.00 11.00 12.00 13.00 14.00 15.00 16.00 17.00 18.00 19.00 20.00 21.00 22.00 23.00
Non-Dwelling Structures $
20.00 22.00 24.00 26.00 28.00 30.00 32.00 34.00 36.00 38.00 40.00 42.00 44.00 46.00
Attach endorsement FO-136
FMIC REV 3-99 REV 01/2005
RATING INFORMATION - 8
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
RULE 5 - PREMIUM MODIFICATIONS 5.1
Protective Devices or Services Burglary Protection
Factor
Watchman-signals to central station or police station Watchman-other Burglar Alarm System-signals to central station Burglar Alarm System-other
0.83 0.97 0.86 0.97
Sprinklered Properties
Factor
Business Personal Property Rate Groups 1-6 Rate Groups 7-18
0.76 0.69
Buildings Rate Groups 1-6 (owner occupied) Rate Groups 1-6 (lessor’s risk) Rate Groups 7-18 (owner occupied) Rate Groups 7-18 (lessor’s risk) Rate Groups 19-20
0.65 0.76 0.55 0.69 0.76
RULE 6 - DEDUCTIBLES Multiply the Coverage A and Coverage B premiums by the following factors: Deductible $ 500 1,000 3,000 5,000 10,000
Factor 1.00 0.92 0.85 0.80 0.77
RULE 7 - PREMIUM DEVELOPMENT 7.6.3
Swimming Pools This rule does not apply.
FMIC REV 4-03 REV 01/2005
RATING INFORMATION - 9
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
RULE 8 - PROPERTY COVERAGE OPTIONS 8.1
Actual Cash Value This rule does not apply.
8.2
Automatic Increase - Coverages A and/or B This rule does not apply.
8.4
Loss of Income - Written without a limit Factor 8.4.1
1.04 Coverage Without a Waiting Period Factor
8.4.2
0.04
Coverage Subject to a 72-hour Waiting Period Factor
8.5
0.03
Ordinance or Law Extension Factor
8.6
1.14
Back up of Sewers and Drains 6.74 per $1,000 of insurance
8.7
Crime Coverages - BP-100 Only 8.7.1
Burglary and Robbery Coverage - Option 1 Factor
8.7.2
0.50
Burglary and Robbery Coverage (Limits $1,000-$5,000) - Option 2 Factors: Limits $ 1,000 1,500 2,000 2,500 5,000
FMIC REV 01/2005
Special Policy Rate Groups 1
2
3
4
1.21 1.34 1.49 1.65 2.07
1.24 1.38 1.53 1.70 2.13
1.31 1.46 1.62 1.80 2.23
1.46 1.62 1.80 2.00 2.52
RATING INFORMATION - 10
5-6 1.60 1.78 1.98 2.20 2.75
7-10 1.83 2.03 2.25 2.50 3.15 AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
8.7.3
Theft Coverage Factor
8.8
0.70
Employee Dishonesty
Limit $ Up to 5 employees Each additional employee
8.9
5,000
$
included 6
$
10,000
$
25,000
76 $ 8
50,000
116 $ 12
168 17
Money and Securities Factors Office
Apts.
8.11
$
Other
Limits $5,000 on $0 off $5,000 on $2,000 off $5,000 on $5,000 off
2.00 2.15 2.28
2.13 2.28 2.42
2.25 2.39 2.55
$10,000 on $0 off $10,000 on $2,000 off $10,000 on $5,000 off
4.02 4.16 4.29
4.25 4.39 4.54
4.50 4.64 4.80
Condominiums Loss Assessment
Limit
BP-100 BP-200
FMIC REV 01/2005
$
1,000
$
5,000
$
10,000
$
2.69 4.04
$
4.73 6.74
$
6.06 8.10
RATING INFORMATION - 11
Each Add'l $ 5,000 $
0.50 1.02
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
8.12
Accounts Receivable in excess of $5,000 Factor
8.13
0.21
Valuable Papers and Records in excess of $5,000 Factor
8.14
0.49
Computers in excess of $2,500 Hardware and Software Building Construction Type Fire Resistive and Masonry Non-combustible
8.15
2.84
per $1,000 of insurance
Non-combustible and Masonry Joisted
3.55
per $1,000 of insurance
Frame
4.26
per $1,000 of insurance
Fine Arts Factor
8.16
$
0.70
Outdoor Signs in excess of $2,500 $23 per $1,000 of insurance
8.17
Spoilage in excess of $2,500 Power Disruption only
$
Breakdown and Contamination only with service agreement without service agreement
6.06 per $1,000 of insurance
10.78 per $1,000 of insurance 15.49 per $1,000 of insurance
Power Disruption and Breakdown and Contamination with service agreement 14.83 per $1,000 of insurance without service agreement 18.86 per $1,000 of insurance
FMIC REV 01/2005
RATING INFORMATION - 12
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
8.19
Earthquake Earthquake Classification
Building Structure
Earthquake Rate Group 1 2 3
4
Zone 2 1C, 2A 1D, 2B 3A, 4A 3B, 4B, 5A 4C, 4D, 5AA 5B 5C
$0.046 0.072 0.088 0.102 0.148 0.305 0.457
$0.371 0.371 0.371 0.371 0.419 0.450 0.741
$0.090 0.090 0.090 0.090 0.128 0.252 0.583
$0.046 0.046 0.046 0.046 0.081 0.176 0.363
$0.030 0.030 0.030 0.030 0.043 0.088 0.145
1C, 2A 1D, 2B 3A, 4A 3B, 4B, 5A 4C, 4D, 5AA 5B 5C
0.032 0.047 0.059 0.067 0.104 0.190 0.281
0.257 0.257 0.257 0.257 0.282 0.319 0.498
0.067 0.067 0.067 0.067 0.097 0.175 0.376
0.032 0.032 0.032 0.032 0.056 0.120 0.228
0.022 0.022 0.022 0.022 0.029 0.056 0.090
1C, 2A 1D, 2B 3A, 4A 3B, 4B, 5A 4C, 4D, 5AA 5B 5C
0.021 0.025 0.035 0.037 0.063 0.088 0.126
0.159 0.159 0.159 0.159 0.166 0.204 0.282
0.047 0.047 0.047 0.047 0.069 0.106 0.191
0.021 0.021 0.021 0.021 0.032 0.067 0.110
0.016 0.016 0.016 0.016 0.017 0.026 0.042
0.016 0.023 0.047 0.047 0.063
0.119 0.119 0.119 0.159 0.196
0.040 0.040 0.058 0.079 0.119
0.016 0.016 0.022 0.047 0.063
0.013 0.013 0.013 0.016 0.023
Zone 3
Zone 4
Zone 5 1C-D,2A-B 3A-B, 4A-B, 5A 4C-D, 5AA 5B 5C Masonry Veneer
% of Masonry Veneer 10% - 25% 25% - 50% over 50%
Factor 1.75 2.50 4.00
Ground Stability
1.25
Roof Tanks
1.25
FMIC REV 01/2005
RATING INFORMATION - 13
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL
8.19.3
WEST VIRGINIA RATES
Deductible
% Deductible
Factor
2%
1.00
For Earthquake construction classifications 4D, 5AA, 5B, and 5C: Each Additional
1%
subtract from above
0.01
1%
subtract from above
0.02
For all other Earthquake construction classifications: Each Additional 8.20
Sprinkler Leakage Earthquake Extension Earthquake Classification Zone 1 1C-D,2A-B 3A-B 4A-D 5AA, 5A-C Zone 2 1C-D,2A-B 3A-B 4A-D 5AA, 5A-C Zone 3 1C-D,2A-B 3A-B 4A-D 5AA, 5A-C Zone 4 1C-D,2A-B 3A-B 4A-D 5AA, 5A-C Zone 5 1C-D,2A-B 3A-B 4A-D 5AA, 5A-C
Building Structure
Personal Property Rate Group SL l m h
$0.016 0.023 0.027 0.079
$0.016 0.023 0.027 0.079
$0.023 0.037 0.041 0.119
$0.032 0.047 0.056 0.159
0.013 0.018 0.021
0.013 0.018 0.021
0.018 0.026 0.032
0.023 0.037 0.041
0.009 0.014 0.017 0.047
0.009 0.014 0.017 0.047
0.014 0.021 0.025 0.071
0.019 0.029 0.033 0.096
0.006 0.008 0.009 0.026
0.006 0.008 0.009 0.026
0.008 0.013 0.014 0.040
0.009 0.016 0.018 0.051
0.006 0.008 0.009 0.026
0.006 0.008 0.009 0.026
0.008 0.013 0.014 0.040
0.009 0.016 0.018 0.051
Do not apply masonry veneer factors to the sprinkler leakage earthquake extension.
FMIC REV 01/2005
RATING INFORMATION - 14
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
8.21
Glass Factor 1.00 0.50 0.33
Exterior - second floor and below Exterior - above second floor Interior Territory 01-02
$0.42 per square foot
RULE 9 - LIABILITY COVERAGE OPTIONS 9.1
Higher Limits 9.1.2
Higher Fire Legal Liability Limit Coverage O Limit $ 100,000 250,000 500,000
9.2
Additional Insureds 9.2.1
Lessors
9.2.9
9.3
Factor 10 40 90
Apartment or Office Retail or Service
$ $
6 18
per add'l insured, per location per add'l insured, per location
Lessor of Leased Equipment Apartment or Office Retail or Service
$ $
6 18
per add'l insured, per location per add'l insured, per location
Non-owned/Hired Automobiles Coverage This rule does not apply.
9.5
Professional Liability 9.5.1
Pharmacists’ Professional Liability Coverage $
FMIC REV 01/2005
Limit 300,000 500,000 1,000,000
$
0.71 0.82 0.91
per $1,000 of gross receipts per $1,000 of gross receipts per $1,000 of gross receipts
RATING INFORMATION - 15
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FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
9.5.2
Cosmetologists’ Liability Coverage Limit of Liability $
9.5.3
300,000 500,000
$
37 42
per Beautician or Barber per Beautician or Barber
Funeral Directors’ Professional Coverage Minimum Premium
Limit of Liability $
9.5.4
300,000 500,000
$
0.30 0.33
per body per body
$
50.00 55.00
Optical Establishments Limit of Liability $
9.5.5
300,000 500,000
$
133 145
per person per person
Hearing Aid Establishments Minimum Premium
Limit of Liability $
9.5.6
300,000 500,000
$
2.24 2.42
per $1,000 of receipts per $1,000 of receipts
$
50.00 55.00
Pastoral Counseling Professional Liability Limit of Liability $
300,000 500,000
FMIC REV 01/2005
$
24 37
per person per person
RATING INFORMATION - 16
AAIS
FARMERS MUTUAL INSURANCE COMPANY BUSINESSOWNERS AND CHURCH PROGRAM MANUAL WEST VIRGINIA RATES
9.6
Employee Benefits Liability Coverage Limits Each Claim $ 25,000 50,000 100,000 300,000 500,000
9.7
/ / / / / /
Aggregate $ 25,000 50,000 100,000 300,000 500,000
$
112 134 164 209 235
per per per per per
policy policy policy policy policy
Personal and/or Advertising Injury Coverage Exclusions - Credits
Personal and Advertising Injury Personal Injury Advertising Injury
9.15
$
300,000
$
3.00 2.00 2.00
$ 500,000 $
$ 1,000,000
5.00 $ 3.00 3.00
9.00 4.00 4.00
Employers Liability (Stop Gap) Coverage BI by Accident-Each Accident $ 100,000 BI by Disease-Each Employee 100,000 BI by Disease-Aggregate Limit 200,000
$
300,000 300,000 600,000
$
500,000 500,000 1,000,000
Per Policy
$
130
$
151
FMIC REV 01/2005
$
93
RATING INFORMATION - 17
AAIS
