COMMERCIAL LIABILITY
GENERAL INSTRUCTIONS
This section contains rules, rates and rating procedures for the Commercial Liability policy.
Rule I
Rule II
Rule III
3-00
Eligibility
1.1
The owner, partnership or renter.
1.2
All risks with some exceptions ( contact Company for risks not listed.)
Ineligible
2.1
Vacant or unoccupied structures
2.2
Property which is rundown or where there is considerable rubbish or trash around
the premises.
2.3
Buildings in which unapproved heat lamps, portable salamander-type heaters, or
similar devices are used.
2.4
All structures having exposed cellular plastic insulation (polystyrene and
urethanefoamed or rigid.)
Policy Writing Procedures
3.1
Commercial Property Rules Apply.
3.2
Policies are issued on the Occurrence form (Claims-Made form is not available)
3.3
The Occurrence form provides coverage against claims for:
A.
Bodily injury, property damage, personal injury and advertising
injury arising from premises/operations in conjunction with the
insured’s business.
B.
Bodily injury and property damage arising from
products/completed operations in conjunction with the insured’s
business.
CL-1
3.4
The Commercial General Liability includes the following coverages:
A.
B.
C.
D.
E.
F.
G.
H.
I.
J.
K.
L.
M.
N.
Rule IV
Premises/Operations Liability
Products/Completed Operations
Contractual Liability
Personal and advertising Injury
Medical Payments
Fire Damage Legal Liability
Broad Form Property Damage
Host Liquor Liability
Incidental Medical Malpractice
Nonowned Watercraft
Limited Worldwide Liability
Additional Person Insured
Extended Bodily Injury
Automatic coverage for Newly-Acquired Organizations
Credits and Surcharge
4.1
5% to 25% credit may be given if the company provides the property
coverage (company retains the option).
4.2
Claim Free Credits- May be given on the total policy premium of
property and liability, when the Policyholder has completed the
following:
3 years claim free – 5% discount
7 years claim free – 8% discount
10 years claim free – 10% discount
4.3
Rule V
Commercial Rates and Coverage Limits
5.1
3-00
The company may surcharge the premium up to 50% after inspection
and rating.
The commercial rates are divided into two major coverage categories:
A.
Premises/Operations and
B.
Products/Completed Operations
C.
Products Coverage may be excluded by endorsement.
CL-2
5.2
Manual Rates are shown at the following basic limits:
A. The Commercial General Liability rates, as found in the company’s
rate section, are divided into tow major coverage categories:
1. Premises/Operations and
2. Products/Completed Operations
B. Basis Limits
1. Manual rates are shown at the following limits:
a.
3-00
$100,000 each “occurrence” for bodily injury and
property damage.
1.
$50,000 fire damage legal liability limit.
2.
$5,000 per person for medical payments.
b.
$100,000 per person or organization for personal injury
or advertising injury.
c.
The limits provided under a. and b. above are subject to
either the $100,000 General Aggregate Limit (for other
than products/completed operations) or the $100,000
Products/Completed Operations Aggregate Limits,
whichever is applicable.
2.
The Occurrence Limit applies to premises/operations and
products/completed operations.
3.
The Aggregate Limits apply separately to each year of the
policy or any applicable policy period less than 1 year (other
than an extension of less than 1 year after the policy is issued).
CL-3
C. Increased Limits
1. Increased Limits factors for both premises/operation and
products/completed operations are found in the rate section
CL-6. These factors contemplate that the limit for personal
injury and advertising injury will be equal to the “occurrence”
limit selected. The basic fire damage and medical payments
limits do not increase with increases in other limits. For
increased fire damage or medical payments limits , refer to page
CL-6.
2. Separate increased limits tables are applicable for
premises/operations and products/completed operations. To
determine the appropriate assignment refer to the rate section
page CL-6.
D. Rates
Classifications which show the symbol (A) instead of a specific
rate must be referred to company for rating.
5.3
3-00
Premium Bases
A.
Admissions: Total number of persons witnessing the event.
B.
Area: The total number of square feet of floor space at the
insured’s premises.
C.
Units: Premium based on units of exposure.
D.
Gross Sales: Gross sales of the business.
E.
Payroll: For premium computation, use $25,000 as basis for
executive offices (insured’s and partners).
F.
Total Cost: Total cost of each specific project. For premium
computation, $25,000 minimum.
CL-4
Rule VI
Rule VII
Rule VIII
Optional Endorsements
6.1
Non-Owned Auto Liability – Provides coverage for any auto that is
not owned, borrowed, or hired by the insured. Premium is 1-3 Employees $25.00,
4-10 Employees $35.00.
6.2
Hired Auto Liability – Provides coverage for autos leased, hired or
borrowed by the insured. Premium is $20.00 per vehicle.
6.3
Rental Watercraft – Coverage for boats you own used by any person or
organization provided the actual use is with your permission. Contact Company
for Rate. Form GL-114.
Auditing of Policies
7.1
When writing the policy, estimate the annual payroll and receipts as
close as possible.
7.2
The policyholder will be contacted to establish receipts or payroll for
the past policy period on or about the anniversary date of the policy.
Fire Legal Liability Higher Limits
Based is $50,000.00
Increase To
Additional Premium
100,000
300,000
500,000
1,000,000
04-06
$ 35.00
120.00
240.00
400.00
CL-5
GENERAL LIABILITY RATES
For higher BI and PD limits use the tables below. All limits are expressed in thousands of dollars.
Minimum premiums apply per policy.
Payroll: For premium computation, use $25,000 as basis for executive offices (Insureds and Partners).
Sales: For premium computation, $25,000 minimum.
INCREASED LIMIT FACTORS
Premises/Operations
Limit
BI & PD
100,000
300,000
500,000
1,000,000
Table
1
1.35
1.75
1.95
2.25
Min.
Prem.
65
90
100
110
Table
2
1.39
2.00
2.10
2.50
Min.
Prem.
85
102
112
130
Table
3
1.46
2.10
2.70
2.90
Min.
Prem.
105
160
195
225
Table
B
1.42
1.90
2.35
2.70
Min.
Prem.
104
135
175
210
Table
C
1.50
2.12
2.72
3.10
Min.
Prem.
140
225
260
315
Products/Completed Operations
Limit
BI & PD
100,000
300,000
500,000
1,000,000
Table
A
1.36
1.76
2.08
2.35
Min.
Prem.
66
85
95
105
INCREASED LIMITS MEDICAL PAY TO PUBLIC
10,000
15,000
20,000
100,000
28.00
38.00
45.00
Additional Insured
300,000
32.00
42.00
48.00
500,000
35.00
47.00
55.00
1,000,000
40.00
55.00
62.00
$200.00 per insured
LIABILITY DEDUCTIBLE
Circumstances may dictate that to provide coverage on some risks, a liability deductible is necessary.
Deductibles may be requested from $1,000.00 to $10,000.00. Contact Home Office for availability and
rate.
01-05
CL-6
WISCONSIN GENERAL LIABILITY RATES
Class Premium
Code
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
Air Conditioning Equipment – dealers
10010
(S)
2B
.048
.815
91111
(P)
2B
11.950
3.980
10015
(S)
3-
4.990
.340
Amusement Centers
10036
(S)
3C
1.035
A
Anhydrous Ammonia Dealers including application
10026
(S)
2A
.835
2.110
60010
(U)
1-
26.750
--
91150
(P)
1B
4.575
2.110
Appliances installation, servicing or repair –
commercial (TV or radio receiving set installation
or repair shall be separately classified and rated)
91155
(P)
1B
4.575
2.110
Appliances installation, servicing or repair –
household (TV or radio receiving set installation or
repair shall be separately classified and rated)
10042
(S)
1B
.350
.490
91177
(P)
2-
5.500
--
Auctioneers – sales conducted away from the
insured’s premises
91179
(P)
2-
5.500
--
Auctions – on premises owned or rented by the
insured
10071
(S)
1C
.615
.350
Auto Parts Store
10073
(S)
2C
1.955
1.450
Auto Repair or service shops (includes operations
of customer’s cars on insured’s premises)
10100
(S)
1A
1.255
.670
Bakeries (this classification includes baking
operations at the same location as the store if the
products baked are sold principally in that store)
10113
(S)
1-
.495
.350
Barber Shops
10115
(S)
1A
.770
.815
Beauty Parlors
MM-CL-1
(5-02)
CL-7
Air Conditioning Dealers including installation,
service or repair
Antique Stores
Apartment Buildings (no swimming pools)
Appliance Stores – household type including
radios, televisions, vacuums, sewing machines,
cooking ranges, washing machines, and
household type air conditioners
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
10145
(S)
2A
.310
.116
Beverage Stores – Liquor or wine
10146
(S)
1A
.615
.245
Beverage Stores – Soft drinks and beer
10150
(S)
1B
.615
.310
Bicycle Stores – sales and servicing
10203
(S)
1-
.615
--
10255
(S)
2B
.390
.300
61211
(A)
1-
17.200
--
Buildings or Premises – bank or office –
mercantile or manufacturing – (Lessors risk only)
61213
(A)
1-
22.900
--
Buildings or Premises – bank or office – mercantile
or manufacturing – maintained by the insured
(Lessors risk only)
61215
(A)
2-
44.650
--
Buildings or Premises – office
10309
(S)
1A
.615
.245
Camera and Photographic Equipment Stores
10352
(S)
1A
.605
.475
Candy or Confectionery Stores (includes candy or
confectionery manufacturing at the same location
as the store if the products are sold principally in
as store)
10367
(S)
1-
2.900
2.150
Car Washes
10368
(S)
2-
12.000
2.150
Car washes -- self service – This classification
applies to risks where customers physically wash
their own vehicles.
91340
(P)
2B
5.750
2.130
Carpentry – construction of residential property not
exceeding three stories in height
91341
(P)
2A
5.750
2.130
Carpentry – interior
91342
(P)
2B
7.100
2.130
Carpentry Not Otherwise Classified
91343
(P)
2A
1.835
2.130
Carpentry – shop only
91405
(P)
1-
8.800
3.60
Carpet or Upholstery Cleaning – on customer’s
premises
11020
(S)
1A
.615
.155
Catalog Store
MM-CL-1
(3-00)
CL-8
Books and Magazine Stores
Building Material Dealers
WISCONSIN GENERAL LIABILITY RATES
Class
Code
41602
Premium
Base
(ea. acre)
Limit Premises Product
I.D. Operations Comp. Ops.
Description
2-
6.600
--
Cemeteries
29.650
--
Churches – including dwellings occupied by clergy
41650
(A)
1-
11125
(S)
2A
41662
(A)
2-
89.500
--
Clubs – civic, service or social – having buildings or
premises owned or leased (activities other than club
meetings are not covered)
41663 (per member) 1-
.290
--
Clubs – civic, service or social – no building or
premises owned or leased except for office
manufacturing. (activities other than club meetings
are not covered)
.570
.140
Clothing Stores – includes tailoring, clothing
alterations and repair work but excludes
manufacturing.
11138
(S)
2B
4.530
.465
Clubs – country or golf
11168
(S)
1-
6.800
.465
Concessionaires
91560
(P)
3B
12.100
1.840
11222
(S)
2-
.112
--
Copying and Duplicating Services – retail
91606
(P)
3-
7.650
--
Crop Spraying – by contractors – no air craft
spraying --$250 PD deductible applies-Crop Drying
11257
(S)
1A
.410
.245
Dairy Products or Butter and Egg Stores
11288
(S)
1B
.935
.515
Delicatessens (if food is served for consumption on
premises, classify and rate under the appropriate
restaurant class)
92102
(P)
2B
10.550
3.710
Drilling – water
92215
(P)
1B
8.800
2.445
Driveway, Parking Area, or Sidewalk – paving or
repaving
12375
(S)
2C
.885
.300
Drugstores
12374
(S)
1C
.485
.300
Drugstores – no table or counter service for
beverage or food
92338
(P)
2B
3.970
1.435
MM-CL-1
(3-00)
CL-9
Concrete Construction – including foundations –
excavation to be separately classified and rated
Dry Wall or Wallboard Installation
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Limit Premises Product
I.D. Operations Comp. Ops.
Description
63010 (per dwelling)
1-
18.850
--
Dwellings – one family (Lessors Risk only)
63011 (per dwelling)
1-
29.550
--
Dwellings – two family (Lessors Risk only)
63012 (per dwelling)
1-
71.000
--
Dwellings – three family (Lessors Risk only)
63013 (per dwelling)
1-
71.000
--
Dwellings – four family (Lessors Risk only)
92478
(P)
2B
4.765
1.775
Electrical Work – within buildings (including
incidental outside work)
94007
(P)
2B
46.550
2.110
Excavation
12510
(S)
2B
.850
A
Fabric Stores
94225
(P)
2-
15.950
--
Farm Machinery Operations – by Contractors
12583
(S)
2B
.215
1.65
Feed or Grain Dealers (Grain Elevators are to be
separately classified and rated)
94276
(P)
2B
12.900
2.595
Fence Erection Contractors – do not write if fences
are erected along roads or highways
12683
(S)
2B
.215
A
Fertilizer Dealers and Distributors (for application of
dry fertilizer, use Farm Machinery Operations – by
contractors for liquid fertilizer and chemical
application, use Crop Spraying)
43551
(A)
3-
30.750
--
Fire Departments – volunteer (this classification
applies to firehouses and fire fighters)
94569
(P)
2B
6.650
2.945
12805
(S)
1A
.290
.145
12841
(S)
1-
.615
--
13111
(S)
1A
.620
.089
Fruit or Vegetable Dealers
13202
(S)
2B
1.190
.385
Fuel Oil or Kerosene Dealers – delivering to homes
or farms and not owning or leasing bulk plants
43889
(S)
2-
.670
--
MM-CL-1
(3-00)
Premium
Base
CL-10
Floor Covering Installation- not ceramic, tile or stone
Floor Covering Stores
Florists
Funeral Homes or Chapels
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
53734
(S)
1-
.520
--
13350
(S)
1A
.290
.145
95233
(P)
2-
5.050
--
13408
(S)
3C
A
.460
Gasoline or Diesel Dealers – delivering to homes or
farms and not owning or leasing bulk plants
13450
(S)
2C
.485
.460
Gasoline Stations – full service
13451
(S)
2B
.635
.460
Gasoline Stations – self-service
13452
(S)
2C
.635
.460
Gasoline Stations – self and full service combined –
The following shall be separately classified and
rated:
- retail store operation
- car washes
- self-service car washes
13505
(S)
1A
.615
2.110
13590
(S)
1A
.810
.865
44070
(S)
2-
9.250
--
95410
(P)
2B
15.000
2.855
13621
(S)
3B
.320
.460
Grain Milling
13671
(S)
1A
.570
.089
Grocery Stores
44275
(A)
2-
13715
(S)
2B
.062
.325
Hardware or Tools Distributors
13716
(S)
1B
.635
.310
Hardware Stores
13930
(S)
2B
.048
1.125
Heating or Combined Heating and Air Conditioning
Equipment – Dealers
95647
(P)
2B
11.950
7.250
Heating or Combined Heating and Air Conditioning
Equipment dealers and installation, servicing or
repair – no LP gas sales or work
MM-CL-1
(3-00)
Limit Premises Product
I.D. Operations Comp. Ops.
77.500
--
CL-11
Description
Furniture or Woodwork Stripping, Refinishing or
Repairing – shop only
Furniture Stores
Garbage, Ash, or Refuse Collecting
Gift Shops
Glass Dealers and Glaziers
Golf Courses – Municipal or Public – not golf or
country clubs
Grading of Land
Halls
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
14101
(S)
1A
.615
1.500
Hobby, Model Maker or Artist’s Supply Stores
14279
(S)
2B
.390
.300
96053
(P)
1B
7.350
1.920
14401
(S)
1A
1.165
.275
Ice Cream Stores
45334
(A)
2-
28.700
--
Insurance Agents
96611
(P)
1B
7.350
1.060
Interior Decorators
96702
(P)
2B
17.150
A
Irrigation or Drainage System Construction
96816
(P)
2-
10.550
--
Janitorial Services
14655
(S)
1-
.140
--
Jewelry Stores
97047
(P)
1-
9.400
--
Landscape Gardening
14731
(S)
1-
5.900
--
Laundries and Dry Cleaners – self-service –
property damage to customers dry cleaning is
excluded
66121
(A)
2-
42.400
--
Lawyers Office (Personal and Advertising Injury are
excluded)
66309
(S)
1-
35.350
--
Libraries
14855
(S)
1B
.260
2.898
45819
(S)
2B
.390
.300
Lumberyards
97220
(P)
3C
1.280
2.110
Machine Shop
97221
(P)
3C
1.280
2.515
Machinery or Equipment – farm – installation
servicing, repair or erection
97223
(P)
1C
4.765
2.110
Machinery or Equipment NOC installation, servicing,
Home Improvement Stores
House Furnishings Installation
Livestock Dealers
or repair
15061
(S)
3C
.8750
1.7500
Machinery or Equipment Dealers – Farm type
15062
(S)
2B
.500
1.7500
Machinery or Equipment Dealers – NOC
15063
(S)
3B
.955
1.235
Machinery or Equipment Dealers – yard or garden
type
MM-CL-1
CL-12
(3-00)
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
97447
(P)
3B
5.500
1.960
Masonry
56760
(S)
2B
.135
.135
Meat, Fish, Poultry, or Seafood Processing – not in
airtight containers
15224
(S)
1A
.820
.200
Meat, Fish, Poultry, or Seafood Stores
66561
(A)
2-
57001
(S)
2A
.081
.080
46202
(S)
1-
9.200
--
Mobile Home Parks or Courts
45192
(S)
2-
1.845
--
Motels – no swimming pools
46425
(A)
1-
35.350
--
Museums
15538
(S)
1A
.615
A
Musical Instrument Stores
15699
(S)
1-
.185
--
Nursery – garden (Landscape gardening shall be
separately classified and rated)
98111
(P)
1-
1.285
--
Office Machines or appliances installation,
inspection, adjustments or repair (this classification
includes shop operations)
15839
(S)
1C
.305
.500
15991
(S)
1A
.865
A
98304
(P)
2A
8.200
1.910
Painting – exterior – buildings three stories or less in
height
98305
(P)
1A
8.200
1.910
Painting – interior – buildings (for spray painting
operations, a property damage deductible of $250
per claim applies)
15993
(S)
1A
.615
1.500
Painting, Picture or Frame Stores
98344
(P)
1A
7.850
1.050
Paperhanging
16403
(S)
1B
.340
.630
MM-CL-1
21.900
--
CL-13
Medical Offices (Professional Services are
excluded)
Milk Depots and Dealers
Optical Goods Stores
Paint, Wallpaper, or Wallcovering Stores
Pet Stores and Taxidermists
(5-02)
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
16471
(S)
1-
.215
--
Photographers (This Class includes studios)
98405
(P)
1-
1.285
2.100
Piano Tuning
98482
(P)
2B
10.800
3.635
Plumbing – Light Commercial
98483
(P)
2B
10.800
5.550
Plumbing – Residential
58407
(S)
2-
46880 (ea. member) 1-
.099
--
Printing
A
--
Professional and Trade Association – no building or
premises owned or leased except as offices
(Personal and Advertising Injury are excluded)
Publisher – Newspapers
58455
(S)
1-
.210
4.865
47050
(P)
2-
1.305
--
47051
(per acre)
2-
1.850
1.850
Real Estate Development Property
16676
(S)
1A
.615
.250
Records, Tapes, and Sheet Music Stores
16811
(S)
1B
2.135
.180
Restaurants – Refreshment stands or drive-ins with
tray service (this classification applies to risks
having less than 500 square feet, of no seating)
16812
(S)
1B
2.135
.180
Restaurants – self-service or self-ordering –
including cafeterias and smorgasbords
16814
(S)
1B
2.005
.340
Restaurants – with no sale of alcoholic beverages –
without dance floor
16816
(S)
1B
2.415
.340
Restaurants – with sales of alcoholic beverages that
are less than 75% of the total annual receipts of the
restaurant -- without dance floor
47366
(P)
3-
.435
.475
Sales, Service, or Consulting Organizations (this
classification is applicable only to risks the majority
of whose employees are chiefly engaged away from
the premises owned, rented, or controlled by the
insured as salespersons, canvassers, or (2)
employeesfurnished at a charge to perform services
for others, namely clerical office employees,
collectors, messengers, draftspersons, auditors,
accountants, consultants, and models)The following
type firms shall be separately classified and
Rated:
- Architectural
- Engineering
- Legal
- Medical Consulting
MM-CL-1
CL-14
Real Estate Agents (For premium purposes include
payroll of clerical employees and salesmen)
(3-00)
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
16891
(S)
2C
.101
.310
Seed Merchants
16890
(S)
2A
.101
A
Seed Merchants – excluding misdelivery, error in
mixture and germination failure
16892
(S)
2C
.101
A
Seed Merchants – excluding germination failure
18109
(S)
1A
.925
.610
Shoe Repair Shops
18110
(S)
1A
.615
.250
Shoe Stores
98993
(P)
1A
13.600
18206
(S)
1C
.545
.850
Sporting Goods or Athletic Equipment Stores
18335
(S)
1A
.615
.075
Stationary or Paper Products Stores
18433
(S)
1B
.615
.245
Stores – food or drink NOC
18434
(S)
1B
.615
A
Stores – no food or drink NOC
99471
(P)
3-
4.760
--
Surveyors – land – not engaged in actual
construction (professional services are excluded)
18507
(S)
1A
.580
.140
99612
(P)
1-
3.230
--
99650
(S)
1B
3.920
2.110
18616
(S)
3B
.900
.350
99793
(P)
2-
5.150
--
99826
(P)
1A
6.850
.760
99827
(P)
2A
.355
1.065
Upholstering – shop only (this classification includes
incidental furniture refinishing or repair)
49450
(per acre)
1-
A
.72
Vacant Land (applies solely to the existence and
maintenance of property exclusive of buildings. This
does not include: Property, Persons, Real Estate
Development, Vacant Land used By other, and
Hunting Preserves.)
18910
(S)
1B
1.370
.245
MM-CL-1
A
CL-15
Sign Erection, Installation or Repair
Tailoring or Dressmaking Establishments – Custom
Telephone Companies
Television or Radio Receiving Set Installation or
Repair (this classification includes erection of
antennas)
Tire Dealer
Truckers (250 mile radius or less)
Upholstering NOC
Variety Stores
(3-00)
WISCONSIN GENERAL LIABILITY RATES
Class
Code
Premium
Base
Limit Premises Product
I.D. Operations Comp. Ops.
Description
99851
(P)
2-
3.145
Veterinarian or Veterinary Hospitals
18991
(S)
2-
6.950
--
Warehouse – Mini-warehouses
68705
(A)
2-
17.300
--
Warehouses – Private
68702
(A)
2-
6.950
--
Warehouses – Private buildings or premises –
occupied by multiple interests (Lessor’s Risk Only)
68703
(A)
2-
4.060
--
Warehouses – Single interest (Lessor’s Risk)
99948
(P)
2A
10.150
11.800
19051
(S)
1-
6.350
.90
MM-CL-1
1.575
CL-16
Water Softening Equipment – installation, servicing,
or repair
Water Softening Equipment – rented to others
(3-00)