Missouri BUSINESSOWNERS
INDEX Page No.
-- A --
Accounts Receivable OPT-1 Additional Insureds OPT-2 Apartments - Rates APT-1 Apartments - Underwriting BOP-10 Application - Rating Worksheet BOP-5, 14-14.1 Auto Parts BOP-10
-- B --
Bakeries BOP-10 Barbers and Beauticians BOP-10 Binding Authority BOP-4 Building and Contents Rates BUS 1-4 Building Valuations & Insurance to Value BOP-6 BOP Advantage Endorsement BOP-7, OPT-2 BOP Advantage Plus Endorsement BOP-7, OPT-2
-- C --
Candy Stores BOP-10 Car Wash – Self Serve BOP-10 Certificate of Insurance BOP-8 Clothing Stores BOP-10 Condominium - Rates APT-1 Convenience Stores BOP-11 Customers Goods OPT-2 Customers Goods – Legal Liability OPT-3 Cyber Liability OPT-3
-- D --
Deductible definition BOP-5 options OPT-1 Delicatessen BOP-11 Directors & Officers Liability OPT-3
-- E --
Earthquake Coverage OPT-3 Electronic Data Processing Coverage OPT-4 Eligible Class Listing BOP-15, 16 Eligibility BOP-4 Employee Benefit Liability OPT-1 Employee Dishonesty OPT-1 Equipment Breakdown BOP-7 Experience Rating BOP-9
MIDWEST FAMILY MUTUAL BOP-1 07-2013
Missouri BUSINESSOWNERS Exterior Grade Floor Glass OPT-1
-- F --
Field Pricing BOP-5 Financial Statements BOP-6 Fire Legal Liability OPT-2 Food Spoilage OPT-2 Franchise Restaurant Rates FRN-1 Furniture Stores BOP-11
-- G --
Grocery Stores BOP-11 Guest Property MTL-1
-- H --
Hardware Stores BOP-11 Hired Auto Liability BOP-6, OPT-2 Hotels – Underwriting BOP-12
-- I --
Identity Recovery OPT-3 Increase Coverage Endorsement BOP-5 Inland Marine Coverage OPT-4 Insurance to Value BOP-6 Introduction BOP-4 IRPM BOP-8 IRPM Documentation BOP-14.1
-- J, K, L --
Liquor Stores BOP-11 Loss Experience BOP-6 LP Gas Exposure BOP-7
-- M --
Management Experience BOP-6 Med Pay Options OPT-1 Mini Storage Warehouse – Rates STE-1, 2 Minimum Premium OPT-4 Money & Securities OPT-1 Motels - Underwriting BOP-12 Motel - Rates MTL-1 Multiple Location Credit OPT-4
MIDWEST FAMILY MUTUAL BOP-2 07-2013
Missouri BUSINESSOWNERS
-- N --
Non Franchise Restaurant Rates NFRN-1 Non-owned Automobile Liability BOP-6, OPT-2
-- O -- Office - Rates OFF-1 Office – Underwriting BOP-12 Outdoor Sign Coverage OPT-1 Ordinance & Law Coverage OPT-3
-- P --
Personal Injury & Advertising Offense Exclusion OPT-4 Photographs BOP-6 Pizza Parlors BOP-12 Products Completed & Operations Exclusion OPT-4 Underwriting BOP-7 Professional Liability OPT-3 Property Valuations BOP-5 Property Values BOP-4
-- R -- Reduced Medical Payments OPT-1 Replacement Cost Factor OPT-1 Restaurant Advantage Endorsement OPT-3
-- S -- Sale and Disposal – Legal Liability OTP-3 Sewer Backup Coverage OPT-3 Sporting Goods BOP-12 Strip Shopping Center Program MALL-1 Swimming Pool - Rates MTL-1
-- T --
Taverns & Bars BOP-13 Territories BOP-17to 30
-- U, V --
Underwriting Guidelines BOP-6 Valuable Papers OPT-2 Video Rental BOP-13
-- W -- Warehouses BOP-13 Wind/Hail Deductible OPT-1 Wholesaler & Distributor Rates WHL-1
MIDWEST FAMILY MUTUAL BOP-3 07-2013
Missouri BUSINESSOWNERS
UNDERWRITING GUIDELINES
A. INTRODUCTION Midwest Family Mutual’s Businessowners Policy provides property and liability protection for average to above-average risks. We seek to insure financially secure, well-managed businesses with well-protected and maintained premises. B. ELIGIBILITY Mercantile occupancies found on our eligible list can be written on our Businessowners policy provided that: 1. Total square footage of the insured occupancy is 20,000 sq. ft. or less. 2. Number of stories does not exceed 3. 3. Receipts generated away from the premises operations, or receipts generated from on-premises service and repair, does not exceed 30% of total receipts. Apartment and condominium occupancies have no square footage or height restrictions. Office occupancies have no square footage or height restrictions; however, if the office is located in the insured’s home, Midwest Family Mutual must also provide the Homeowners coverage. C. BINDING AUTHORITY Agents may bind property coverage up to $500,000 in any protected (protection Class 1 - 8) fire division. Protection classes 9 and 10 and values that exceed $500,000 must be referred to Underwriting for prior approval. All property (building, contents, accounts receivable, Inland Marine, and so on) is included in the property definition. Agents may bind liability limits up to $1,000,000 combined single limit.
All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within 6 calendar days accompanied by the appropriate premium down payment. For additional business class requirements and restrictions, refer to our
Specific Underwriting by Class section of this manual. Businesses less than 2 years old should be submitted to Underwriting unbound for approval. D. TOTAL PROPERTY VALUES AVAILABLE Generally, Midwest Family Mutual will not write occupancies with total property values in excess of $4,000,000. This is not a binding limit but, rather, an indication of the focus of our program. Maximum agency binding limit is $500,000; refer all values in excess of this limit to Underwriting for consideration. MIDWEST FAMILY MUTUAL BOP-4 07-2013
Missouri BUSINESSOWNERS E. PROPERTY VALUATIONS Midwest Family offers three property valuation options: Actual Cash Value, Replacement Cost, and Functional Replacement Cost. The rates in our manual reflect Actual Cash Value. If Replacement Cost is elected, the insured will receive a 10% credit on building and contents rates. The Replacement Cost option will be considered for structures built within the last 40 years where evidence of updated facilities, such as heating, electrical, plumbing, and roof are provided. For structures older than 20 years, written proof of professionally updated facilities should be provided. Functional replacement cost may be written on the building (no 10% credit is applicable) when property may be replaced with similar property that performs the same function as the occupancy. The insurance value should be the value of the similar property. Functional replacement cost is written on structurally sound buildings of any age which have had facilities (heat, electrical, plumbing, roof) updated by a professional contractor to modern standards and code within the past 20 years. F. APPLICATION - RATING WORKSHEET Midwest Family accepts ACORD applications for all Commercial lines products. Applications should be signed and submitted with the Businessowners questionnaire and the IRPM debit/credit worksheet when applicable. G. FIELD PRICING Midwest Family encourages you to use our manual and the Businessowners rating worksheet to field price this product. If you need assistance, please contact our Underwriting staff. When requesting IRPM credits for superior risks, contact your underwriter for approval. A completed IRPM worksheet is required. H. DEDUCTIBLE The Standard and Special Businessowners policy includes a $250 deductible. Optional deductibles and corresponding debits or credits for $500, $1,000, $2,500, and $5,000 deductibles are available and displayed in our rate pages. I. INCREASE COVERAGE ENDORSEMENT The Businessowners policy provides an annual 6% increase in building and contents coverage limits. This option is included on all policies at no additional charge to insure that property values remain consistent with general inflation.
MIDWEST FAMILY MUTUAL BOP-5 05-2015
Missouri BUSINESSOWNERS
GENERAL UNDERWRITING A. LOSS EXPERIENCE All policy applications must be submitted with prior loss history. Information printed on prior carrier stationery, or loss runs from prior carriers, are acceptable documentation and provide Underwriting a complete picture of the potential risk. No IRPM credits will be given unless prior loss information is provided. At a minimum, the insured should sign a statement about known losses in the previous five years. B. FINANCIAL STATEMENTS Midwest Family does not require financial statements on all submissions; however, there are some classes and circumstances in which they are required (see Underwriting by Class section of this manual). Agents should understand that Underwriting may request financial information to increase their confidence in the quality of any submission. When requesting IRPM credits, agents are encouraged to submit financial information as evidence of a sound financial operation. C. BUILDING VALUATIONS AND INSURANCE TO VALUE Midwest Family’s Businessowners program requires that all property be insured for the full value (100% ACV, RC). A building cost estimator should be submitted with all applications. All property values will be validated in our office using the BOECKH method. D. PHOTOGRAPHS Each application for insurance should include photographs of all buildings. When the application requests only personal property coverage, a photograph of the building where the property will be located should be submitted. E. MANAGEMENT EXPERIENCE Generally, we will consider Businessowners coverage for any business where the existing ownership and/or management can demonstrate at least two (2) years of previous management experience in the same or a related field. New ventures should be submitted unbound with full details to Underwriting for approval. F. THEFT UNDERWRITING The special form Businessowners policy provides theft coverage for personal property. For those accounts where we are unable to provide theft coverage or when the insured does not require this coverage, we will exclude it and issue the policy with a premium credit. G. HIRED AND NON-OWNED AUTOMOBILE COVERAGE Businessowners policies can be endorsed to provide Hired and Non-owned Automobile Liability coverage for the premiums indicated in this manual. Drivers license numbers MIDWEST FAMILY MUTUAL BOP-6 07-2013
Missouri BUSINESSOWNERS are required for all drivers. The Hired and Non-owned exposure of some risks, including but not limited to pizza parlors or bakeries with delivery, extend beyond our intended market. Midwest Family will continue to consider these risks without a Hired and Non-owned Auto Liability exposure. H. PRODUCTS AND COMPLETED OPERATIONS UNDERWRITING Standard and Special Businessowners policies include products and completed operations coverage. If the insured does not require this coverage, we will exclude it and issue the policy with a premium credit. I. LP GAS EXPOSURES Businessowners classes with LP gas exposures are not within the scope of our program. If an eligible class has a LP exposure that is limited to tank exchange racks Midwest Family will consider the application. If the insured provides any service to the cylinder, for example, but not limited to; filling, cleaning, updating, delivery, and refurbishing, we will not consider this application. J. EQUIPMENT BREAKDOWN COVERAGE
This coverage is automatically included in all Businessowners policies. Refer to the appropriate tab in this manual for full details.
K. BOP ADVANTAGE ENDORSEMENT The BOP Advantage Endorsement is for retail, service, and office classes of business with personal property coverage. This endorsement can be added to a policy for a $65 premium, and includes the following: $ 10,000 Valuable Papers Coverage $ 5,000 Accounts Receivable Coverage $ 5,000 Exterior Sign Coverage $ 10,000 Additional coverage for Computers and Media $ 10,000 Personal Property of Others $ 10,000 Personal Property Off-Premises and in Transit L. BOP ADVANTAGE “PLUS” ENDORSEMENT
The BOP Advantage Endorsement is for retail, service, and office classes of business with personal property coverage. This endorsement can be added to a policy for a $85 premium, and includes the following: $ 50,000 increase in Fire Legal Coverage over any coverage shown on the dec page. $ 1,000 per pane/$3,000 per occurrence for Exterior Grade Glass. $ 1,000 inside/$1,000 outside Money and Securities $ 5,000 Sewer Coverage $ 2,500 Fire Department Coverage
MIDWEST FAMILY MUTUAL BOP-7 07-2013
Missouri BUSINESSOWNERS M. IRPM CREDITS AND DEBITS The following IRPM debits and credits may be applied to particular risks with Underwriter approval. Following are the ranges and factors: Debit/Credit Management +15 to - 15 Location +12 to - 12 Building Features +10 to - 10 Premises/Equipment +10 to - 10 Employees + 8 to - 8 Protection + 6 to - 6 Loss Experience +15 to -15
No more than 25% credit or debit may be applied to any single risk. To receive this credit, the IRPM Documentation must be completely filled out by the producing agent and sent to our office with the application. The calculated credit/debit will be approved by the Underwriter and applied to the gross Businessowners premium.
N. CERTIFICATES OF INSURANCE
A Certificate of Insurance provides evidence of inforce coverage. Certificates may not alter policy provisions or coverages unless the policy is properly endorsed prior to the certificates' issuance. If it is necessary to modify the provided coverage, agents should contact their underwriter prior to issuing the certificate for the appropriate approval. * Midwest Family does not require a copy of Certificates of Insurance when issued by an agent. * Requests for Additional Insureds, Waivers of Subro, and Non-contributory Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters. * Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
MIDWEST FAMILY MUTUAL BOP-8 05-2015
Missouri BUSINESSOWNERS
O. EXPERIENCE RATING
It is Midwest Family’s intent to award employers who exemplify good safety procedures and loss control as evidenced by the insured’s loss ratio. It is also our desire to encourage this behavior in our customers. To be eligible for this credit, the insured’s annual earned premium for coverages eligible must be at least $5,000.
Midwest Family will apply a credit to all of the insured’s commercial premiums (except Workers’ Compensation) according to the following table:
Loss Ratio Premium Credit 50% or more 0% 40-49.9% 5% 32-39.9% 10% 25-31.9% 15% 20-24.9% 20% less than 20 25%
This credit will be applied to the insured’s next annual premium and will apply to Commercial Property, Liability, Commercial Inland Marine, Commercial Umbrella, Motor Carrier and Commercial Auto coverage premiums. It does NOT apply to Worker’s Compensation.
The credit or debit will be applied to the total policy premium, prior to the IRPM factor.
MIDWEST FAMILY MUTUAL BOP-9 05-2015
Missouri BUSINESSOWNERS
SPECIFIC UNDERWRITING BY CLASS
A. APARTMENTS We will write occupancies with four or more units. Other business occupancy cannot
exceed 5% of total square footage. All buildings must be 80% or more occupied. Buildings must have been constructed for apartment occupancy and built within the last 30 years. Major facilities -- roof, electric, plumbing and heating -- must meet modern standards and code. Please advise us about the occupancy rate, turnover rate, lease requirements, and maintenance arrangements (especially snow and ice removal).
B AUTO PARTS STORE Receipts from machining should be less than 15% of total receipts. If a large percentage of receipts are derived from the turning of brake drums or rotors, the risk may be unacceptable. Include full details of machine work with the application. C. BAKERIES Products liability loss history must be submitted with each application. Extinguishing systems must be installed in grill and deep frying areas. Grilling and deep frying must be a small part of the overall operation. Underwriting may request a financial statement as demonstration of a sound operation. D. BARBERS AND BEAUTICIANS Risks with tanning booths, chemical or electrical hair removal, piercing, and tattooing are not acceptable. Owners or managers must be on-premise barbers or beauticians and all employees must have at least one year of experience. E. CANDY STORES Products liability loss history must be submitted at the time of application. F. CAR WASH – SELF SERVE
Risks that contain a self-service car wash exposure may be written on the Businessowners policy. There can be no service rendered to the customer’s vehicles by the insured or employees. Car washes that provide service may be written under our Garage Program. The rates shown in the manual anticipate the mandatory $500 property damage deductible. This deductible is required due to the variation in risk based on the operations design, function, maintenance and supervision.
G. CLOTHING STORES For stores located on the first floor, a complete description of the second floor occupancy must be included with the application. We may also require a financial statement. Provide details of current crime protection, including burglary and police MIDWEST FAMILY MUTUAL BOP-10 07-2013
Missouri BUSINESSOWNERS protection. Consignment practices must be discussed with Underwriting prior to binding coverage, they generally are not eligible. All prior crime and water losses should be included with the application. H. CONVENIENCE STORES The Businessowners policy does not provide coverage for the pollution peril. Insureds must secure a separate policy that provides full pollution coverage. The store must have been in business for at least two (2) years and be located in a town with a population of 100,000 or less. If it is a 24 hour operation, they must have at least two (2) employees on duty at all times and have surveillance cameras. All prior loss history must be submitted at the time of application. LP gas exposure is limited to an exchange operation. If the insured provides any service on the cylinder, such as filling, updating, or cleaning the risk is not acceptable. I. DELICATESSEN Midwest Family assumes that no grill or deep frying is associated with this exposure. Products liability loss exposure and a financial statement should be submitted with the application. J. FURNITURE STORES Stores must have been in business for at least two years. A financial statement is a must. Advise underwriting about occupancies in an upper story when our store is located on the first floor. All prior water loss history is required and should be included with the application. K. GROCERY STORES Prior incidents of “slip and fall” are a major concern. Advise about the cleanliness of the premises and the condition of walkways, parking lots, and steps. Crime loss history must be included with the application. First floor occupancies of two story buildings are generally not acceptable. If the agent feels an exception should be made for a superior risk, submit details on an unbound basis. Financial statements may be required. L. HARDWARE STORES Full details of gun sales, sporting good sales, service and repair work, and equipment rental must be submitted with the application. LP gas exposures will be limited to exchange operations. If the insured provides any service on the LP cylinders, such as filling, updating, or cleaning the risk is unacceptable. M. LIQUOR STORES Businesses written on the “special” policy form must have a central alarm system. Businesses without an alarm system will be considered for a standard policy.
MIDWEST FAMILY MUTUAL BOP-11 07-2013
Missouri BUSINESSOWNERS N. MOTELS / HOTELS
No buildings over three stories in height are eligible for our program. Eligible risks should have no more than 75 units per building. The building or buildings must have been built for motel occupancy. No restaurants or bars are allowed. A photo of each
building is required. All pools must be fenced (secured), lighted, and depths must be clearly marked. No diving boards or slides are allowed, and signs prohibiting diving must be present. Minimal exercise equipment is allowed. The insured cannot be involved in the rental of any recreational equipment, such as boats or snowmobiles.
Franchise Discount: All Motel/Hotel classification rates will be modified by a Franchise Discount Factor for eligible risks. This factor considers the structured management plans, financial strength requirements directed by franchisors, and increased survival ratios of franchises. Franchise qualifications are: 1. Insured is a member of a Francise Motel/Hotel organization and has a Franchise
Agreement. 2. Franchisor provides management and/or operations manuals; and 3. Franchisor has the right/duty to exercise control over the insured’s operation.
Apply a .90 factor to the Building and Personal Property rates developed in sequence with all other applicable factors and modifications for eligible Franchise Motel/Hotel operations. Examples of Franchise Motels/Hotels are: Country Inn & Suites, Americinns, Super 8, etc. Best Westerns are not eligible for this credit as it is a membership organization, not a franchise.
O. OFFICES – LANDLORD RISK
A list of tenants must be supplied with details of their operations indicated. At least 75% of the total square footage must be occupied by strictly office exposures, meaning that there is minimal customer traffic. If there is more exposure than this anticipates the “Building – Landlord Risk” class must be used. Property must be actively managed and maintained directly by the owner or a fulltime professional manager. The sprinkler credit does not apply to this class.
P. PIZZA PARLORS Businesses using deep fryers or grills are not acceptable. Hired or non-owned coverage cannot be endorsed to this class of business. Q. SPORTING GOODS Gun sales should not exceed 15% of total sales, and gun repair is not allowed. Businesses with gun sales must have a central station alarm system. Applicants are required to report the percentage of sales derived from football equipment and the repair of sporting goods.
MIDWEST FAMILY MUTUAL BOP-12 07-2013
Missouri BUSINESSOWNERS R. TAVERNS AND BARS An agent’s book of business should not be concentrated in this class. We will manage a ratio of no more than 1 bar or tavern to 4 other eligible classes. Eligible risks cannot have grills or deep frying, dancing, entertainment, or sporting events. A financial statement on this class of business is mandatory. The risk must have been in business at least two years and the operator of the business must have at least two years management experience. S. VIDEO RENTAL Businesses must have been operational for at least two (2) years. Crime loss history should be submitted at the time of application. Underwriting may request a financial statement and the presence of a central alarm system prior to acceptance. T. WAREHOUSES Eligible warehouse occupancies are owned by the insured and leased to others. Our lessors risk rates apply. If the warehouse is occupied by the insured, use the appropriate building, contents rate group and rate number. Use our contractor rates for contractor warehouses.
We must know what types of goods are stored in a eligible warehouse, (i.e. perishables, combustibles, etc.). We do not write warehouse legal liability, insuring the landlord for the loss of the tenants contents. A narrative of the operations taking place on the premises and the protection of the premises is required.
MIDWEST FAMILY MUTUAL BOP-13 07-2013
BUSINESSOWNERS SUPPLEMENTAL ACORD APPLICATION/WORKSHEET
Applicants Name ______________________________________________________________________________________________ SS# ___________________ Phone # _______________ Companion Policy #______________ Policy Type: ________ Standard _______ Special Deductible: ___$100 ___$250 ___$500 ___$1000 ___$2500 ___$5000 Rate # ________ Rate Group _________ Territory _________ Liability Limits: ____300,000 ____ 500,000 ____1,000,000 Building Limit ___________ Contents Limit __________ / _____# of Units (Apt, condo, motel, or office) Med Pay __$5000 __$1000 __$500 DeductibleCredit/Debit +/- _________ Multiple Location Credit _________ IRPM +/- ________ Building 1:____________________X__________X_______X ______X ____________ X____________ = +__________ (base + special + incr liab) (Sprk Factor) (RC factor) (Limit) (Med Pay Credit) *(Credit Factor) Building 2:____________________X__________X_______X_______X_____________X____________ = +__________ (base + special + incr liab) (Sprk Factor) (RC factor) (Limit) (Med Pay Credit) *(Credit Factor) Contents: _____________ X______+__________X__________X________X_____________X____________ = +__________ (base + incr liab) (Limit) (Spec. Load) (Sprk Factor) (RC Factor) (Med Pay Credit) *(Credit Factor) Territory Surcharge Applied? TOTAL BUILDING AND CONTENTS PREMIUM __________ Optional Coverages: Outdoor Signs_________(amount per $100) X ________ (rate) X ________*Credit Factor) =+_________ Glass __________(linear feet) X _________ (rate) X ___________(Credit Factor) =+_________ Guest Property _________Limit ____(# units) X ________(rate) X ______*(Credit Factor) =+_________ Employee Dishonesty ____________Limit _______ (# employees) X ______*(Credit Factor) =+_________ Advantage Endorsement X ________ *(Credit Factor) =+_________ Sewer/Sump Coverage ______________________ Limit X________ *(Credit Factor) =+_________ Accounts Receivable ________________________ Limit X________ *(Credit Factor) =+_________ Valuable Papers ____________________________ Limit X________ *(Credit Factor) =+_________ Customers’ Goods __________________________ Limit X________ *(Credit Factor) =+_________ Food Spoilage ______________________________ Limit X________ *(Credit Factor) =+_________ Money & Securities__________________________ Limit X________ *(Credit Factor) =+_________ Hired & Non-owned Auto ___________________ Limit X________ *(Credit Factor) =+_________ Fire Legal Liability __________________________ Limit X________ *(Credit Factor) =+_________ Additional Insureds _______________________number X________ *(Credit Factor) =+_________ Pool Liability __________________________# of Pools X________ *(Credit Factor) =+_________ Other ___________________________________ X________ *(Credit Factor) =+_________ TOTAL - OPTIONAL COVERAGES +__________ = _________ Optional Exclusions: Products & Completed Operations Exclusion ____________ X .10 X ______________ = -_____________ (bldg base rate or .20 if no bldg) (bldg OR contents limit/100) Personal Injury & Advertising Offense Exclusion _______________ X .05 X________ = -____________ (bldg base rate or .20 if no bldg) (bldg OR contents limit/100)
TOTAL POLICY EXCLUSIONS = _________
TOTAL ANNUAL PREMIUM = ____________
* (The Credit Factor is equal to the sum of all credits including deductible, multiple location and IRPM)
MIDWEST FAMILY MUTUAL BOP- 14 05-15
UNDERWRITING INFORMATION - ALL QUESTIONS MUST BE ANSWERED
1. Gross Earnings (12 Months) $______________________ 100% Annual Rents (12 Months)______________________________________ 2. Receipts from installation, service or repair? _________________ Percent of the total sales and receipts?__________________________ 3. Electrical, Heating, Plumbing, & Roof: When Updated: Elec_______Heat_______Plumb_______Roof_______ 4. Age of building __________ Number of stories ___________________ Total ground square footage______________ 5. Are storage areas and aisles clean and trash disposed of properly? ___Yes ___No 6. Is there evidence of water damage, broken windows or breaks in pavements, ___Yes ___No floors, or sidewalks? 7. Does applicant own or operate any other business or property? ___Yes ___No 8. Does applicant own any Commercial Vehicles not insured by this Company? ___Yes ___No 9. Are any employees using their automobiles for company business? ___Yes ___No 10. Number of fire escapes?________Number of exits?________Are exits lighted? ___Yes ___No 11. Number of Stairways? _______Condition of Stairs?_______ Do stairs have handrails? ___Yes ___No 12. Are stairs lighted? ___Yes ___No Explanation of any of the above answers: ________________________________________________________________________________ _____________________________________________________________________________________________________________________ Describe business activities of insured: __________________________________________________________________________________ _____________________________________________________________________________________________________________________ 13. Has the applicant ever experienced a fire loss in this business, any other business ___Yes ___No or at their place of residence? 14. How long has the applicant owned this business? ________________________________________________________________________ 15. Has this business ever had a robbery? Explain. ___Yes ___No 16. Does the time of deposits vary? ___Yes ___No 17. Is the route changed? ___Yes ___No 18. How frequently are deposits made?_______________ How much money is carried at one time?______________________________ 19. Distance to Bank?________________________ How much money is kept on premises overnight?______________________ 20. How conveyed?______________________________________________________________________________________________________
INDIVIDUAL RISK PREMIUM MODIFICATION DOCUMENTATION
Briefly tell us what is extraordinary about the risk you are writing. Attach supplements is space provided if inadequate. Management________________________________________________________________________________________________________________________________________________________________________________________________________________ Location____________________________________________________________________________________________________________________________________________________________________________________________________________________ Building Features _____________________________________________________________________________________________ ______________________________________________________________________________________________________________ Premises and Equipment_______________________________________________________________________________________ ______________________________________________________________________________________________________________ Special Protection _____________________________________________________________________________________________ ______________________________________________________________________________________________________________ Employees ___________________________________________________________________________________________________ ______________________________________________________________________________________________________________
Page 2
MIDWEST FAMILY MUTUAL BOP- 14.1 05-15
Missouri BUSINESSOWNERS ELIGIBLE CLASSES
Apartments and Condominiums
Appliance Stores (radio, TV, stereo)
(0.90 factor x Bldg. rate & 0.90 factor x Content rate)
Appliance Stores (household appliances - furnishings)
(0.90 factor x Bldg. rate & 0.90 factor x Content rate)
Auto Parts Stores (0.90 factor x Bldg. rate & 0.90 factor x Content rate)
Bakeries (baking on premises)
Bakeries (no baking on premises)
Barber Shops (0.75 factor x Bldg. rate & 1.00 factor x Content rate)
Beauty Parlors (0.75 factor x Bldg. rate & 1.00 factor x Content rate)
Buildings - landlord risk - 75% of square footage are
occupancies of this eligible list
Bookstores (75% of sales from new books)
Candy Stores
Car Wash - Self Service (building coverage)
Car Wash - Self Service (contents coverage)
Clothing Stores (0.85 factor x Bldg. rate & 0.85 factor x Content rate)
Computer Stores
Convenience Stores (town of 100,000 pop. or less)
Delicatessens (incl. submarine sandwich shops)
Department/Discount Stores (under 20,000 sq. ft.)
Drug Stores (0.80 factor x Bldg. rate & 0.80 x Content rate)
Dry Cleaners and Laundries (0.85 factor x Bldg. rate & 0.85 factor x Content rate)
Fabric Stores
Floor Covering Stores
Florists
Franchise Exercise Centers
Franchise Restaurants
Funeral Homes (0.60 factor x Bldg. rate & 0.80 factor x Content rate)
Furniture Stores (0.95 factor x Bldg. rate & 0.95 factor x Content rate)
Gift Shops
Gourmet Coffee Shops
Grocery Stores (under 20,000 sq. ft.)
Hardware Store - Non-Lumber
(0.80 factor x Bldg. rate & 0.80 factor x Content rate)
Ice Cream Stores
with Dairy Queen Brazier
Jewelry Stores
Liquor Stores (Central Station for special policy)
Lumber Yard
Mailing Centers
Meat-Fish-Poultry or Seafood Stores
Mini Storage Warehouses Mini Storage Rates
Mobile Communication Stores - Retail
Motels Motel Rate
Movie Theatre (use lessor occupied rates) 7
Musical Instrument Stores (0.80 factor x Bldg. rate & 0.80 factor x Content rate)
Non-Franchise Restaurants
Offices
Offices - Landlord Risk (75% of square footage is used strictly for offices)
7
5
1
2
See Non-Franchise Rates
8
1
5
Use owner occupied rates
3
5
8
6
Office Rate
4
5
7
2
8
4
2
6
6
Apartment Rate
Use lessor occupied rates
1
Rate Number
1
5
See Franchise Rates
6
5
4
See lessor occupied rates
7
1
6
4
7
2
6
1
6
3
2
MIDWEST FAMILY MUTUAL BOP-15 05-2015
Missouri BUSINESSOWNERS ELIGIBLE CLASSES
Office Supplies (including office machines)
(0.80 factor x Bldg. rate & 0.80 factor x Content rate)
Office Supplies (with repair)
(0.80 factor x Bldg. rate & 0.80 factor x Content rate)
Pet Stores
Photo Processing Stores
Pizza Stores (no grill or deep fry - no non-owned auto)
Produce Dealers
Retail Stores (not otherwise classified - contact underwriter before binding)
Shoe Stores (including repair)
Strip Shopping Centers - 75% occupied by eligible occupancies
Sporting Goods (0.85 factor x Bldg. rate & 0.85 factor x Content rate)
Taverns & Bars if no entertainment, no dancing, no cooking, grills or deep
fryers - pizza warmers and microwaves are acceptable (1.60 factor x Bldg. rate)
(1.60 factor x Content rate)
Video Rental Stores
Warehouse (occupied by insured)
Warehouse (not occupied by insured)
Wholesalers and Distributors
8
1
6
7
Rate Number
Strip Mall Rates
1
6
See Wholesaler rates
6
7
6
6
5
See lessor occupied rates
6
MIDWEST FAMILY MUTUAL BOP-16 05-2015
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
63001 ALLENTON 703 63052 IMPERIAL 703
63005 CHESTERFIELD 705 63053 KIMMSWICK 703
63006 CHESTERFIELD 705 63055 LABADIE 703
63010 ARNOLD 703 63056 LESLIE 703
63011 BALLWIN 705 63057 LIGUORI 703
63012 BARNHART 703 63060 LONEDELL 703
63013 BEAUFORT 703 63061 LUEBBERING 703
63014 BERGER 703 63065 MAPAVILLE 703
63015 CATAWISSA 703 63066 MORSE MILL 703
63016 CEDAR HILL 703 63068 NEW HAVEN 703
63017 CHESTERFIELD 705 63069 PACIFIC 703
63019 CRYSTAL CITY 703 63070 PEVELY 703
63020 DE SOTO 703 63071 RICHWOODS 703
63021 BALLWIN 705 63072 ROBERTSVILLE 703
63022 BALLWIN 705 63073 SAINT ALBANS 703
63023 DITTMER 703 63074 SAINT ANN 705
63024 BALLWIN 705 63077 SAINT CLAIR 703
63025 EUREKA 705 63079 STANTON 703
63026 FENTON 705 63080 SULLIVAN 703
63028 FESTUS 703 63084 UNION 703
63030 FLETCHER 703 63087 VALLES MINES 703
63031 FLORISSANT 705 63088 VALLEY PARK 705
63032 FLORISSANT 705 63089 VILLA RIDGE 703
63033 FLORISSANT 705 63090 WASHINGTON 703
63034 FLORISSANT 705 63091 ROSEBUD 703
63036 FRENCH VILLAGE 703 63099 FENTON 705
63037 GERALD 703 63101 SAINT LOUIS 704
63038 GLENCOE 705 63102 SAINT LOUIS 704
63039 GRAY SUMMIT 703 63103 SAINT LOUIS 704
63040 GROVER 705 63104 SAINT LOUIS 704
63041 GRUBVILLE 703 63105 SAINT LOUIS 705
63042 HAZELWOOD 705 63106 SAINT LOUIS 704
63043 MARYLAND HEIGHTS 705 63107 SAINT LOUIS 704
63044 BRIDGETON 705 63108 SAINT LOUIS 704
63045 EARTH CITY 705 63109 SAINT LOUIS 704
63047 HEMATITE 703 63110 SAINT LOUIS 704
63048 HERCULANEUM 703 63111 SAINT LOUIS 704
63049 HIGH RIDGE 703 63112 SAINT LOUIS 704
63050 HILLSBORO 703 63113 SAINT LOUIS 704
63051 HOUSE SPRINGS 703 63114 SAINT LOUIS 705
Missouri
BOP-17
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
63115 SAINT LOUIS 704 63164 SAINT LOUIS 704
63116 SAINT LOUIS 704 63166 SAINT LOUIS 704
63117 SAINT LOUIS 705 63167 SAINT LOUIS 705
63118 SAINT LOUIS 704 63169 SAINT LOUIS 704
63119 SAINT LOUIS 705 63171 SAINT LOUIS 705
63120 SAINT LOUIS 704 63177 SAINT LOUIS 704
63121 SAINT LOUIS 705 63178 SAINT LOUIS 704
63122 SAINT LOUIS 705 63179 SAINT LOUIS 704
63123 SAINT LOUIS 705 63180 SAINT LOUIS 704
63124 SAINT LOUIS 705 63182 SAINT LOUIS 704
63125 SAINT LOUIS 705 63188 SAINT LOUIS 704
63126 SAINT LOUIS 705 63190 SAINT LOUIS 704
63127 SAINT LOUIS 705 63195 SAINT LOUIS 705
63128 SAINT LOUIS 705 63196 SAINT LOUIS 704
63129 SAINT LOUIS 705 63197 SAINT LOUIS 704
63130 SAINT LOUIS 705 63198 SAINT LOUIS 705
63131 SAINT LOUIS 705 63199 SAINT LOUIS 704
63132 SAINT LOUIS 705 63301 SAINT CHARLES 703
63133 SAINT LOUIS 705 63302 SAINT CHARLES 703
63134 SAINT LOUIS 705 63303 SAINT CHARLES 703
63135 SAINT LOUIS 705 63304 SAINT CHARLES 703
63136 SAINT LOUIS 705 63330 ANNADA 703
63137 SAINT LOUIS 705 63332 AUGUSTA 703
63138 SAINT LOUIS 705 63333 BELLFLOWER 703
63139 SAINT LOUIS 704 63334 BOWLING GREEN 703
63140 SAINT LOUIS 705 63336 CLARKSVILLE 703
63141 SAINT LOUIS 705 63338 COTTLEVILLE 703
63143 SAINT LOUIS 705 63339 CURRYVILLE 703
63144 SAINT LOUIS 705 63341 DEFIANCE 703
63145 SAINT LOUIS 705 63342 DUTZOW 703
63146 SAINT LOUIS 705 63343 ELSBERRY 703
63147 SAINT LOUIS 704 63344 EOLIA 703
63150 SAINT LOUIS 704 63345 FARBER 703
63151 SAINT LOUIS 705 63346 FLINTHILL 703
63155 SAINT LOUIS 704 63347 FOLEY 703
63156 SAINT LOUIS 704 63348 FORISTELL 703
63157 SAINT LOUIS 704 63349 HAWK POINT 703
63158 SAINT LOUIS 704 63350 HIGH HILL 703
63160 SAINT LOUIS 704 63351 JONESBURG 703
63163 SAINT LOUIS 704 63352 LADDONIA 703
Missouri
BOP-18
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
63353 LOUISIANA 703 63442 GRANGER 703
63357 MARTHASVILLE 703 63443 HUNNEWELL 703
63359 MIDDLETOWN 703 63445 KAHOKA 703
63361 MONTGOMERY CITY 703 63446 KNOX CITY 703
63362 MOSCOW MILLS 703 63447 LA BELLE 703
63363 NEW FLORENCE 703 63448 LA GRANGE 703
63365 NEW MELLE 703 63450 LENTNER 703
63366 O FALLON 703 63451 LEONARD 703
63367 LAKE SAINT LOUIS 703 63452 LEWISTOWN 703
63368 O FALLON 703 63453 LURAY 703
63369 OLD MONROE 703 63454 MAYWOOD 703
63370 OLNEY 703 63456 MONROE CITY 703
63373 PORTAGE DES SIOUX 703 63457 MONTICELLO 703
63376 SAINT PETERS 703 63458 NEWARK 703
63377 SILEX 703 63459 NEW LONDON 703
63378 TRELOAR 703 63460 NOVELTY 703
63379 TROY 703 63461 PALMYRA 703
63381 TRUXTON 703 63462 PERRY 703
63382 VANDALIA 703 63463 PHILADELPHIA 703
63383 WARRENTON 703 63464 PLEVNA 703
63384 WELLSVILLE 703 63465 REVERE 703
63385 WENTZVILLE 703 63466 SAINT PATRICK 703
63386 WEST ALTON 703 63467 SAVERTON 703
63387 WHITESIDE 703 63468 SHELBINA 703
63388 WILLIAMSBURG 703 63469 SHELBYVILLE 703
63389 WINFIELD 703 63471 TAYLOR 703
63390 WRIGHT CITY 703 63472 WAYLAND 703
63401 HANNIBAL 703 63473 WILLIAMSTOWN 703
63430 ALEXANDRIA 703 63474 WYACONDA 703
63431 ANABEL 703 63501 KIRKSVILLE 703
63432 ARBELA 703 63530 ATLANTA 703
63433 ASHBURN 703 63531 BARING 703
63434 BETHEL 703 63532 BEVIER 703
63435 CANTON 703 63533 BRASHEAR 703
63436 CENTER 703 63534 CALLAO 703
63437 CLARENCE 703 63535 COATSVILLE 703
63438 DURHAM 703 63536 DOWNING 703
63439 EMDEN 703 63537 EDINA 703
63440 EWING 703 63538 ELMER 703
63441 FRANKFORD 703 63539 ETHEL 703
63540 GIBBS 703 63645 FREDERICKTOWN 703
63541 GLENWOOD 703 63648 IRONDALE 703
63543 GORIN 703 63650 IRONTON 703
Missouri
BOP-19
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
63544 GREEN CASTLE 703 63651 KNOB LICK 703
63545 GREEN CITY 703 63653 LEADWOOD 703
63546 GREENTOP 703 63654 LESTERVILLE 703
63547 HURDLAND 703 63655 MARQUAND 703
63548 LANCASTER 703 63656 MIDDLE BROOK 703
63549 LA PLATA 703 63660 MINERAL POINT 703
63551 LIVONIA 703 63662 PATTON 703
63552 MACON 703 63663 PILOT KNOB 703
63555 MEMPHIS 703 63664 POTOSI 703
63556 MILAN 703 63665 REDFORD 703
63557 NEW BOSTON 703 63666 REYNOLDS 703
63558 NEW CAMBRIA 703 63670 SAINTE GENEVIEVE 703
63559 NOVINGER 703 63673 SAINT MARY 703
63560 POLLOCK 703 63674 TIFF 703
63561 QUEEN CITY 703 63675 VULCAN 703
63563 RUTLEDGE 703 63701 CAPE GIRARDEAU 703
63565 UNIONVILLE 703 63702 CAPE GIRARDEAU 703
63566 WINIGAN 703 63703 CAPE GIRARDEAU 703
63567 WORTHINGTON 703 63730 ADVANCE 703
63601 PARK HILLS 703 63732 ALTENBURG 703
63620 ANNAPOLIS 703 63735 BELL CITY 703
63621 ARCADIA 703 63736 BENTON 703
63622 BELGRADE 703 63737 BRAZEAU 703
63623 BELLEVIEW 703 63738 BROWNWOOD 703
63624 BISMARCK 703 63739 BURFORDVILLE 703
63625 BLACK 703 63740 CHAFFEE 703
63626 BLACKWELL 703 63742 COMMERCE 703
63627 BLOOMSDALE 703 63743 DAISY 703
63628 BONNE TERRE 703 63744 DELTA 703
63629 BUNKER 703 63745 DUTCHTOWN 703
63630 CADET 703 63746 FARRAR 703
63631 CALEDONIA 703 63747 FRIEDHEIM 703
63633 CENTERVILLE 703 63748 FROHNA 703
63636 DES ARC 703 63750 GIPSY 703
63637 DOE RUN 703 63751 GLENALLEN 703
63638 ELLINGTON 703 63752 GORDONVILLE 703
63640 FARMINGTON 703 63755 JACKSON 703
63758 KELSO 703 63847 GIBSON 703
63760 LEOPOLD 703 63848 GIDEON 703
63763 MC GEE 703 63849 GOBLER 703
63764 MARBLE HILL 703 63850 GRAYRIDGE 703
63766 MILLERSVILLE 703 63851 HAYTI 703
63767 MORLEY 703 63852 HOLCOMB 703
63769 OAK RIDGE 703 63853 HOLLAND 703
Missouri
BOP-20
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
63770 OLD APPLETON 703 63855 HORNERSVILLE 703
63771 ORAN 703 63857 KENNETT 703
63774 PERKINS 703 63860 KEWANEE 703
63775 PERRYVILLE 703 63862 LILBOURN 703
63776 MC BRIDE 703 63863 MALDEN 703
63779 POCAHONTAS 703 63866 MARSTON 703
63780 SCOTT CITY 703 63867 MATTHEWS 703
63781 SEDGEWICKVILLE 703 63868 MOREHOUSE 703
63782 STURDIVANT 703 63869 NEW MADRID 703
63783 UNIONTOWN 703 63870 PARMA 703
63784 VANDUSER 703 63873 PORTAGEVILLE 703
63785 WHITEWATER 703 63874 RISCO 703
63787 ZALMA 703 63875 RIVES 703
63801 SIKESTON 703 63876 SENATH 703
63820 ANNISTON 703 63877 STEELE 703
63821 ARBYRD 703 63878 TALLAPOOSA 703
63822 BERNIE 703 63879 WARDELL 703
63823 BERTRAND 703 63880 WHITEOAK 703
63824 BLODGETT 703 63881 WOLF ISLAND 703
63825 BLOOMFIELD 703 63882 WYATT 703
63826 BRAGGADOCIO 703 63901 POPLAR BLUFF 703
63827 BRAGG CITY 703 63902 POPLAR BLUFF 703
63828 CANALOU 703 63931 BRIAR 703
63829 CARDWELL 703 63932 BROSELEY 703
63830 CARUTHERSVILLE 703 63933 CAMPBELL 703
63833 CATRON 703 63934 CLUBB 703
63834 CHARLESTON 703 63935 DONIPHAN 703
63837 CLARKTON 703 63936 DUDLEY 703
63839 COOTER 703 63937 ELLSINORE 703
63840 DEERING 703 63938 FAGUS 703
63841 DEXTER 703 63939 FAIRDEALING 703
63845 EAST PRAIRIE 703 63940 FISK 703
63846 ESSEX 703 63941 FREMONT 703
63942 GATEWOOD 703 64037 HIGGINSVILLE 703
63943 GRANDIN 703 64040 HOLDEN 703
63944 GREENVILLE 703 64048 HOLT 703
63945 HARVIELL 703 64050 INDEPENDENCE 703
63950 LODI 703 64051 INDEPENDENCE 703
63951 LOWNDES 703 64052 INDEPENDENCE 703
63952 MILL SPRING 703 64053 INDEPENDENCE 703
63953 NAYLOR 703 64054 INDEPENDENCE 703
63954 NEELYVILLE 703 64055 INDEPENDENCE 703
63955 OXLY 703 64056 INDEPENDENCE 703
63956 PATTERSON 703 64057 INDEPENDENCE 703
Missouri
BOP-21
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
63957 PIEDMONT 703 64058 INDEPENDENCE 703
63960 PUXICO 703 64060 KEARNEY 703
63961 QULIN 703 64061 KINGSVILLE 703
63962 ROMBAUER 703 64062 LAWSON 703
63963 SHOOK 703 64063 LEES SUMMIT 703
63964 SILVA 703 64064 LEES SUMMIT 703
63965 VAN BUREN 703 64065 LEES SUMMIT 703
63966 WAPPAPELLO 703 64066 LEVASY 703
63967 WILLIAMSVILLE 703 64067 LEXINGTON 703
64001 ALMA 703 64068 LIBERTY 703
64011 BATES CITY 703 64069 LIBERTY 703
64012 BELTON 703 64070 LONE JACK 703
64013 BLUE SPRINGS 703 64071 MAYVIEW 703
64014 BLUE SPRINGS 703 64072 MISSOURI CITY 703
64015 BLUE SPRINGS 703 64073 MOSBY 703
64016 BUCKNER 703 64074 NAPOLEON 703
64017 CAMDEN 703 64075 OAK GROVE 703
64018 CAMDEN POINT 703 64076 ODESSA 703
64019 CENTERVIEW 703 64077 ORRICK 703
64020 CONCORDIA 703 64078 PECULIAR 703
64021 CORDER 703 64079 PLATTE CITY 703
64022 DOVER 703 64080 PLEASANT HILL 703
64024 EXCELSIOR SPRINGS 703 64081 LEES SUMMIT 703
64028 FARLEY 703 64082 LEES SUMMIT 703
64029 GRAIN VALLEY 703 64083 RAYMORE 703
64030 GRANDVIEW 703 64084 RAYVILLE 703
64034 GREENWOOD 703 64085 RICHMOND 703
64035 HARDIN 703 64086 LEES SUMMIT 703
64036 HENRIETTA 703 64088 SIBLEY 703
64089 SMITHVILLE 703 64141 KANSAS CITY 701
64090 STRASBURG 703 64144 KANSAS CITY 703
64092 WALDRON 703 64145 KANSAS CITY 701
64093 WARRENSBURG 703 64146 KANSAS CITY 701
64096 WAVERLY 703 64147 KANSAS CITY 701
64097 WELLINGTON 703 64148 KANSAS CITY 701
64098 WESTON 703 64149 KANSAS CITY 701
64101 KANSAS CITY 701 64150 RIVERSIDE 703
64102 KANSAS CITY 701 64151 KANSAS CITY 703
64105 KANSAS CITY 701 64152 KANSAS CITY 703
64106 KANSAS CITY 701 64153 KANSAS CITY 703
64108 KANSAS CITY 701 64154 KANSAS CITY 703
64109 KANSAS CITY 701 64155 KANSAS CITY 703
64110 KANSAS CITY 701 64156 KANSAS CITY 703
64111 KANSAS CITY 701 64157 KANSAS CITY 703
Missouri
BOP-22
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
64112 KANSAS CITY 701 64158 KANSAS CITY 703
64113 KANSAS CITY 701 64161 KANSAS CITY 703
64114 KANSAS CITY 701 64163 KANSAS CITY 703
64116 KANSAS CITY 703 64164 KANSAS CITY 703
64117 KANSAS CITY 703 64165 KANSAS CITY 703
64118 KANSAS CITY 703 64166 KANSAS CITY 703
64119 KANSAS CITY 703 64167 KANSAS CITY 703
64120 KANSAS CITY 701 64168 KANSAS CITY 703
64121 KANSAS CITY 701 64170 KANSAS CITY 701
64123 KANSAS CITY 701 64171 KANSAS CITY 701
64124 KANSAS CITY 701 64172 KANSAS CITY 701
64125 KANSAS CITY 701 64179 KANSAS CITY 701
64126 KANSAS CITY 701 64180 KANSAS CITY 701
64127 KANSAS CITY 701 64183 KANSAS CITY 701
64128 KANSAS CITY 701 64184 KANSAS CITY 701
64129 KANSAS CITY 701 64185 KANSAS CITY 701
64130 KANSAS CITY 701 64187 KANSAS CITY 701
64131 KANSAS CITY 701 64188 KANSAS CITY 703
64132 KANSAS CITY 701 64190 KANSAS CITY 703
64133 KANSAS CITY 703 64191 KANSAS CITY 701
64134 KANSAS CITY 701 64192 KANSAS CITY 701
64136 KANSAS CITY 701 64193 KANSAS CITY 703
64137 KANSAS CITY 701 64194 KANSAS CITY 701
64138 KANSAS CITY 703 64195 KANSAS CITY 703
64139 KANSAS CITY 701 64196 KANSAS CITY 701
64197 KANSAS CITY 701 64459 HELENA 703
64198 KANSAS CITY 701 64461 HOPKINS 703
64199 KANSAS CITY 701 64463 KING CITY 703
64401 AGENCY 703 64465 LATHROP 703
64402 ALBANY 703 64466 MAITLAND 703
64420 ALLENDALE 703 64467 MARTINSVILLE 703
64421 AMAZONIA 703 64468 MARYVILLE 703
64422 AMITY 703 64469 MAYSVILLE 703
64423 BARNARD 703 64470 MOUND CITY 703
64424 BETHANY 703 64471 NEW HAMPTON 703
64426 BLYTHEDALE 703 64473 OREGON 703
64427 BOLCKOW 703 64474 OSBORN 703
64428 BURLINGTON JUNCTION 703 64475 PARNELL 703
64429 CAMERON 703 64476 PICKERING 703
64430 CLARKSDALE 703 64477 PLATTSBURG 703
64431 CLEARMONT 703 64479 RAVENWOOD 703
64432 CLYDE 703 64480 REA 703
64433 CONCEPTION 703 64481 RIDGEWAY 703
64434 CONCEPTION JUNCTION 703 64482 ROCK PORT 703
64436 COSBY 703 64483 ROSENDALE 703
Missouri
BOP-23
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
64437 CRAIG 703 64484 RUSHVILLE 703
64438 DARLINGTON 703 64485 SAVANNAH 703
64439 DEARBORN 703 64486 SHERIDAN 703
64440 DE KALB 703 64487 SKIDMORE 703
64441 DENVER 703 64489 STANBERRY 703
64442 EAGLEVILLE 703 64490 STEWARTSVILLE 703
64443 EASTON 703 64491 TARKIO 703
64444 EDGERTON 703 64492 TRIMBLE 703
64445 ELMO 703 64493 TURNEY 703
64446 FAIRFAX 703 64494 UNION STAR 703
64447 FAIRPORT 703 64496 WATSON 703
64448 FAUCETT 703 64497 WEATHERBY 703
64449 FILLMORE 703 64498 WESTBORO 703
64451 FOREST CITY 703 64499 WORTH 703
64453 GENTRY 703 64501 SAINT JOSEPH 703
64454 GOWER 703 64502 SAINT JOSEPH 703
64455 GRAHAM 703 64503 SAINT JOSEPH 703
64456 GRANT CITY 703 64504 SAINT JOSEPH 703
64457 GUILFORD 703 64505 SAINT JOSEPH 703
64458 HATFIELD 703 64506 SAINT JOSEPH 703
64507 SAINT JOSEPH 703 64664 MOORESVILLE 703
64508 SAINT JOSEPH 703 64667 NEWTOWN 703
64601 CHILLICOTHE 703 64668 NORBORNE 703
64620 ALTAMONT 703 64670 PATTONSBURG 703
64622 BOGARD 703 64671 POLO 703
64623 BOSWORTH 703 64672 POWERSVILLE 703
64624 BRAYMER 703 64673 PRINCETON 703
64625 BRECKENRIDGE 703 64674 PURDIN 703
64628 BROOKFIELD 703 64676 ROTHVILLE 703
64630 BROWNING 703 64679 SPICKARD 703
64631 BUCKLIN 703 64680 STET 703
64632 CAINSVILLE 703 64681 SUMNER 703
64633 CARROLLTON 703 64682 TINA 703
64635 CHULA 703 64683 TRENTON 703
64636 COFFEY 703 64686 UTICA 703
64637 COWGILL 703 64688 WHEELING 703
64638 DAWN 703 64689 WINSTON 703
64639 DE WITT 703 64701 HARRISONVILLE 703
64640 GALLATIN 703 64720 ADRIAN 703
64641 GALT 703 64722 AMORET 703
64642 GILMAN CITY 703 64723 AMSTERDAM 703
64643 HALE 703 64724 APPLETON CITY 703
64644 HAMILTON 703 64725 ARCHIE 703
64645 HARRIS 703 64726 BLAIRSTOWN 703
Missouri
BOP-24
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
64646 HUMPHREYS 703 64728 BRONAUGH 703
64647 JAMESON 703 64730 BUTLER 703
64648 JAMESPORT 703 64733 CHILHOWEE 703
64649 KIDDER 703 64734 CLEVELAND 703
64650 KINGSTON 703 64735 CLINTON 703
64651 LACLEDE 703 64738 COLLINS 703
64652 LAREDO 703 64739 CREIGHTON 703
64653 LINNEUS 703 64740 DEEPWATER 703
64654 LOCK SPRINGS 703 64741 DEERFIELD 703
64655 LUCERNE 703 64742 DREXEL 703
64656 LUDLOW 703 64743 EAST LYNNE 703
64657 MC FALL 703 64744 EL DORADO SPRINGS 703
64658 MARCELINE 703 64745 FOSTER 703
64659 MEADVILLE 703 64746 FREEMAN 703
64660 MENDON 703 64747 GARDEN CITY 703
64661 MERCER 703 64748 GOLDEN CITY 703
64750 HARWOOD 703 64847 LANAGAN 703
64752 HUME 703 64848 LA RUSSELL 703
64755 JASPER 703 64849 NECK CITY 703
64756 JERICO SPRINGS 703 64850 NEOSHO 703
64759 LAMAR 703 64853 NEWTONIA 703
64761 LEETON 703 64854 NOEL 703
64762 LIBERAL 703 64855 ORONOGO 703
64763 LOWRY CITY 703 64856 PINEVILLE 703
64765 METZ 703 64857 PURCELL 703
64766 MILFORD 703 64858 RACINE 703
64767 MILO 703 64859 REEDS 703
64769 MINDENMINES 703 64861 ROCKY COMFORT 703
64770 MONTROSE 703 64862 SARCOXIE 703
64771 MOUNDVILLE 703 64863 SOUTH WEST CITY 703
64772 NEVADA 703 64864 SAGINAW 703
64776 OSCEOLA 703 64865 SENECA 703
64778 RICHARDS 703 64866 STARK CITY 703
64779 RICH HILL 703 64867 STELLA 703
64780 ROCKVILLE 703 64868 TIFF CITY 703
64781 ROSCOE 703 64869 WACO 703
64783 SCHELL CITY 703 64870 WEBB CITY 703
64784 SHELDON 703 64873 WENTWORTH 703
64788 URICH 703 64874 WHEATON 703
64790 WALKER 703 64999 KANSAS CITY 701
64801 JOPLIN 703 65001 ARGYLE 703
64802 JOPLIN 703 65010 ASHLAND 703
64803 JOPLIN 703 65011 BARNETT 703
64804 JOPLIN 703 65013 BELLE 703
Missouri
BOP-25
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
64830 ALBA 703 65014 BLAND 703
64831 ANDERSON 703 65016 BONNOTS MILL 703
64832 ASBURY 703 65017 BRUMLEY 703
64833 AVILLA 703 65018 CALIFORNIA 703
64834 CARL JUNCTION 703 65020 CAMDENTON 703
64835 CARTERVILLE 703 65023 CENTERTOWN 703
64836 CARTHAGE 703 65024 CHAMOIS 703
64840 DIAMOND 703 65025 CLARKSBURG 703
64841 DUENWEG 703 65026 ELDON 703
64842 FAIRVIEW 703 65032 EUGENE 703
64843 GOODMAN 703 65034 FORTUNA 703
64844 GRANBY 703 65035 FREEBURG 703
65036 GASCONADE 703 65084 VERSAILLES 703
65037 GRAVOIS MILLS 703 65085 WESTPHALIA 703
65038 LAURIE 703 65101 JEFFERSON CITY 703
65039 HARTSBURG 703 65102 JEFFERSON CITY 703
65040 HENLEY 703 65103 JEFFERSON CITY 703
65041 HERMANN 703 65104 JEFFERSON CITY 703
65042 HIGH POINT 703 65105 JEFFERSON CITY 703
65043 HOLTS SUMMIT 703 65106 JEFFERSON CITY 703
65046 JAMESTOWN 703 65107 JEFFERSON CITY 703
65047 KAISER 703 65108 JEFFERSON CITY 703
65048 KOELTZTOWN 703 65109 JEFFERSON CITY 703
65049 LAKE OZARK 703 65110 JEFFERSON CITY 703
65050 LATHAM 703 65111 JEFFERSON CITY 703
65051 LINN 703 65201 COLUMBIA 703
65052 LINN CREEK 703 65202 COLUMBIA 703
65053 LOHMAN 703 65203 COLUMBIA 703
65054 LOOSE CREEK 703 65205 COLUMBIA 703
65055 MC GIRK 703 65211 COLUMBIA 703
65058 META 703 65212 COLUMBIA 703
65059 MOKANE 703 65215 COLUMBIA 703
65061 MORRISON 703 65216 COLUMBIA 703
65062 MOUNT STERLING 703 65217 COLUMBIA 703
65063 NEW BLOOMFIELD 703 65218 COLUMBIA 703
65064 OLEAN 703 65230 ARMSTRONG 703
65065 OSAGE BEACH 703 65231 AUXVASSE 703
65066 OWENSVILLE 703 65232 BENTON CITY 703
65067 PORTLAND 703 65233 BOONVILLE 703
65068 PRAIRIE HOME 703 65236 BRUNSWICK 703
65069 RHINELAND 703 65237 BUNCETON 703
65072 ROCKY MOUNT 703 65239 CAIRO 703
65074 RUSSELLVILLE 703 65240 CENTRALIA 703
65075 SAINT ELIZABETH 703 65243 CLARK 703
Missouri
BOP-26
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
65076 SAINT THOMAS 703 65244 CLIFTON HILL 703
65077 STEEDMAN 703 65246 DALTON 703
65078 STOVER 703 65247 EXCELLO 703
65079 SUNRISE BEACH 703 65248 FAYETTE 703
65080 TEBBETTS 703 65250 FRANKLIN 703
65081 TIPTON 703 65251 FULTON 703
65082 TUSCUMBIA 703 65254 GLASGOW 703
65083 ULMAN 703 65255 HALLSVILLE 703
65256 HARRISBURG 703 65334 HUGHESVILLE 703
65257 HIGBEE 703 65335 IONIA 703
65258 HOLLIDAY 703 65336 KNOB NOSTER 703
65259 HUNTSVILLE 703 65337 LA MONTE 703
65260 JACKSONVILLE 703 65338 LINCOLN 703
65261 KEYTESVILLE 703 65339 MALTA BEND 703
65262 KINGDOM CITY 703 65340 MARSHALL 703
65263 MADISON 703 65344 MIAMI 703
65264 MARTINSBURG 703 65345 MORA 703
65265 MEXICO 703 65347 NELSON 703
65270 MOBERLY 703 65348 OTTERVILLE 703
65274 NEW FRANKLIN 703 65349 SLATER 703
65275 PARIS 703 65350 SMITHTON 703
65276 PILOT GROVE 703 65351 SWEET SPRINGS 703
65278 RENICK 703 65354 SYRACUSE 703
65279 ROCHEPORT 703 65355 WARSAW 703
65280 RUSH HILL 703 65360 WINDSOR 703
65281 SALISBURY 703 65401 ROLLA 703
65282 SANTA FE 703 65402 ROLLA 703
65283 STOUTSVILLE 703 65409 ROLLA 703
65284 STURGEON 703 65436 BEULAH 703
65285 THOMPSON 703 65438 BIRCH TREE 703
65286 TRIPLETT 703 65439 BIXBY 703
65287 WOOLDRIDGE 703 65440 BOSS 703
65299 COLUMBIA 703 65441 BOURBON 703
65301 SEDALIA 703 65443 BRINKTOWN 703
65302 SEDALIA 703 65444 BUCYRUS 703
65305 WHITEMAN AIR FORCE BASE 703 65446 CHERRYVILLE 703
65320 ARROW ROCK 703 65449 COOK STATION 703
65321 BLACKBURN 703 65452 CROCKER 703
65322 BLACKWATER 703 65453 CUBA 703
65323 CALHOUN 703 65456 DAVISVILLE 703
65324 CLIMAX SPRINGS 703 65457 DEVILS ELBOW 703
65325 COLE CAMP 703 65459 DIXON 703
65326 EDWARDS 703 65461 DUKE 703
65327 EMMA 703 65462 EDGAR SPRINGS 703
Missouri
BOP-27
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
65329 FLORENCE 703 65463 ELDRIDGE 703
65330 GILLIAM 703 65464 ELK CREEK 703
65332 GREEN RIDGE 703 65466 EMINENCE 703
65333 HOUSTONIA 703 65468 EUNICE 703
65470 FALCON 703 65603 ARCOLA 703
65473 FORT LEONARD WOOD 703 65604 ASH GROVE 703
65479 HARTSHORN 703 65605 AURORA 703
65483 HOUSTON 703 65606 ALTON 703
65484 HUGGINS 703 65607 CAPLINGER MILLS 703
65486 IBERIA 703 65608 AVA 703
65501 JADWIN 703 65609 BAKERSFIELD 703
65529 JEROME 703 65610 BILLINGS 703
65532 LAKE SPRING 703 65611 BLUE EYE 703
65534 LAQUEY 703 65612 BOIS D ARC 703
65535 LEASBURG 703 65613 BOLIVAR 703
65536 LEBANON 703 65614 BRADLEYVILLE 703
65541 LENOX 703 65615 BRANSON 703
65542 LICKING 703 65616 BRANSON 703
65543 LYNCHBURG 703 65617 BRIGHTON 703
65546 MONTIER 703 65618 BRIXEY 703
65548 MOUNTAIN VIEW 703 65619 BROOKLINE STATION 703
65550 NEWBURG 703 65620 BRUNER 703
65552 PLATO 703 65622 BUFFALO 703
65555 RAYMONDVILLE 703 65623 BUTTERFIELD 703
65556 RICHLAND 703 65624 CAPE FAIR 703
65557 ROBY 703 65625 CASSVILLE 703
65559 SAINT JAMES 703 65626 CAULFIELD 703
65560 SALEM 703 65627 CEDARCREEK 703
65564 SOLO 703 65629 CHADWICK 703
65565 STEELVILLE 703 65630 CHESTNUTRIDGE 703
65566 VIBURNUM 703 65631 CLEVER 703
65567 STOUTLAND 703 65632 CONWAY 703
65570 SUCCESS 703 65633 CRANE 703
65571 SUMMERSVILLE 703 65634 CROSS TIMBERS 703
65580 VICHY 703 65635 DADEVILLE 703
65582 VIENNA 703 65636 DIGGINS 703
65583 WAYNESVILLE 703 65637 DORA 703
65584 SAINT ROBERT 703 65638 DRURY 703
65586 WESCO 703 65640 DUNNEGAN 703
65588 WINONA 703 65641 EAGLE ROCK 703
65589 YUKON 703 65644 ELKLAND 703
65590 LONG LANE 703 65645 EUDORA 703
65591 MONTREAL 703 65646 EVERTON 703
65601 ALDRICH 703 65647 EXETER 703
Missouri
BOP-28
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
65648 FAIR GROVE 703 65708 MONETT 703
65649 FAIR PLAY 703 65710 MORRISVILLE 703
65650 FLEMINGTON 703 65711 MOUNTAIN GROVE 703
65652 FORDLAND 703 65712 MOUNT VERNON 703
65653 FORSYTH 703 65713 NIANGUA 703
65654 FREISTATT 703 65714 NIXA 703
65655 GAINESVILLE 703 65715 NOBLE 703
65656 GALENA 703 65717 NORWOOD 703
65657 GARRISON 703 65720 OLDFIELD 703
65658 GOLDEN 703 65721 OZARK 703
65660 GRAFF 703 65722 PHILLIPSBURG 703
65661 GREENFIELD 703 65723 PIERCE CITY 703
65662 GROVESPRING 703 65724 PITTSBURG 703
65663 HALF WAY 703 65725 PLEASANT HOPE 703
65664 HALLTOWN 703 65726 POINT LOOKOUT 703
65666 HARDENVILLE 703 65727 POLK 703
65667 HARTVILLE 703 65728 PONCE DE LEON 703
65668 HERMITAGE 703 65729 PONTIAC 703
65669 HIGHLANDVILLE 703 65730 POWELL 703
65672 HOLLISTER 703 65731 POWERSITE 703
65673 HOLLISTER 703 65732 PRESTON 703
65674 HUMANSVILLE 703 65733 PROTEM 703
65675 HURLEY 703 65734 PURDY 703
65676 ISABELLA 703 65735 QUINCY 703
65679 KIRBYVILLE 703 65737 REEDS SPRING 703
65680 KISSEE MILLS 703 65738 REPUBLIC 703
65681 LAMPE 703 65739 RIDGEDALE 703
65682 LOCKWOOD 703 65740 ROCKAWAY BEACH 703
65685 LOUISBURG 703 65741 ROCKBRIDGE 703
65686 KIMBERLING CITY 703 65742 ROGERSVILLE 703
65688 BRANDSVILLE 703 65744 RUETER 703
65689 CABOOL 703 65745 SELIGMAN 703
65690 COUCH 703 65746 SEYMOUR 703
65692 KOSHKONONG 703 65747 SHELL KNOB 703
65701 MC CLURG 703 65752 SOUTH GREENFIELD 703
65702 MACOMB 703 65753 SPARTA 703
65704 MANSFIELD 703 65754 SPOKANE 703
65705 MARIONVILLE 703 65755 SQUIRES 703
65706 MARSHFIELD 703 65756 STOTTS CITY 703
65707 MILLER 703 65757 STRAFFORD 703
65759 TANEYVILLE 703 65814 SPRINGFIELD 703
65760 TECUMSEH 703 65817 SPRINGFIELD 703
65761 THEODOSIA 703 65890 SPRINGFIELD 703
65762 THORNFIELD 703 65897 SPRINGFIELD 703
65764 TUNAS 703 65898 SPRINGFIELD 703
Missouri
BOP-29
ZIP CODE USPS ZIP CODE NAME TERRITORYZIP
CODEUSPS ZIP CODE NAME TERRITORY
65765 TURNERS 703 65899 SPRINGFIELD 703
65766 UDALL 703
65767 URBANA 703
65768 VANZANT 703
65769 VERONA 703
65770 WALNUT GROVE 703
65771 WALNUT SHADE 703
65772 WASHBURN 703
65773 WASOLA 703
65774 WEAUBLEAU 703
65775 WEST PLAINS 703
65777 MOODY 703
65778 MYRTLE 703
65779 WHEATLAND 703
65781 WILLARD 703
65783 WINDYVILLE 703
65784 ZANONI 703
65785 STOCKTON 703
65786 MACKS CREEK 703
65787 ROACH 703
65788 PEACE VALLEY 703
65789 POMONA 703
65790 POTTERSVILLE 703
65791 THAYER 703
65793 WILLOW SPRINGS 703
65801 SPRINGFIELD 703
65802 SPRINGFIELD 703
65803 SPRINGFIELD 703
65804 SPRINGFIELD 703
65805 SPRINGFIELD 703
65806 SPRINGFIELD 703
65807 SPRINGFIELD 703
65808 SPRINGFIELD 703
65809 SPRINGFIELD 703
65810 SPRINGFIELD 703
Missouri
BOP-30
Missouri - Territory 701
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
BASE BUILDING RATES - SPECIAL POLICY BASE CONTENTS RATE - SPECIAL POLICY
Per $100 of Building Value Per $100 Contents Value
Construction Protection Owner Lessor Construction Protection Rate Numbers
Type Class Occupied Occupied Type Class 1-5 6 7-8
Frame / 01-08 0.58 0.71 Frame / 01-08 0.75 1.20 1.46
Joisted 09-10 0.76 0.95 Joisted 09-10 0.95 1.65 2.03
Masonry Masonry
Non- 01-08 0.42 0.53 Non- 01-08 0.58 0.97 1.23
Combustible 09-10 0.54 0.63 Combustible 09-10 0.77 1.38 1.68
Masonry
Non- 01-08 0.40 0.53 Masonry 01-08 0.56 0.94 0.98
Combustible 09-10 0.49 0.61 Non- 09-10 0.74 1.19 1.25
Combustible
Fire 01-08 0.33 0.44 Fire 01-08 0.70 0.76 0.79
Resistive 09-10 0.42 0.53 Resistive 09-10 0.92 1.04 1.08
$ 500,000 Liability n/a 0.03 $ 500,000 Liability 0.03 0.06 0.08
$1,000,000 Liability n/a 0.05 $1,000,000 Liability 0.09 0.16 0.21
STANDARD RATES
SPRINKLER FACTOR
MULTIPLY ABOVE RATES BY .90
MULTIPLY ABOVE RATES BY .70
BUSINESSOWNERS RATES
Note: Rounding may result in a $1 to $2 premium variance
MIDWEST FAMILY MUTUAL MO-BUS-1 11/2011
Missouri - Territory 703
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
BASE BUILDING RATES - SPECIAL POLICY BASE CONTENTS RATE - SPECIAL POLICY
Per $100 of Building Value Per $100 Contents Value
Construction Protection Owner Lessor Construction Protection Rate Numbers
Type Class Occupied Occupied Type Class 1-5 6 7-8
Frame / 01-08 0.60 0.65 Frame / 01-08 1.10 1.22 1.48
Joisted 09-10 0.78 0.88 Joisted 09-10 1.40 1.67 2.07
Masonry Masonry
Non- 01-08 0.44 0.49 Non- 01-08 0.85 0.99 1.25
Combustible 09-10 0.56 0.58 Combustible 09-10 1.13 1.40 1.71
Masonry
Non- 01-08 0.41 0.49 Masonry 01-08 0.83 0.95 1.00
Combustible 09-10 0.51 0.56 Non- 09-10 1.09 1.21 1.27
Combustible
Fire 01-08 0.34 0.40 Fire 01-08 0.79 0.85 0.89
Resistive 09-10 0.44 0.49 Resistive 09-10 1.03 1.17 1.21
$ 500,000 Liability n/a 0.03 $ 500,000 Liability 0.03 0.06 0.08
$1,000,000 Liability n/a 0.05 $1,000,000 Liability 0.09 0.16 0.21
STANDARD RATES
SPRINKLER FACTOR MULTIPLY ABOVE RATES BY .70
Note: Rounding may result in a $1 to $2 premium variance
BUSINESSOWNERS RATES
MULTIPLY ABOVE RATES BY .90
MIDWEST FAMILY MUTUAL MO-BUS-2 11/2011
Missouri - Territory 704
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
BASE BUILDING RATES - SPECIAL POLICY BASE CONTENTS RATE - SPECIAL POLICY
Per $100 of Building Value Per $100 Contents Value
Construction Protection Owner Lessor Construction Protection Rate Numbers
Type Class Occupied Occupied Type Class 1-5 6 7-8
Frame / 01-08 0.67 0.85 Frame / 01-08 1.30 1.44 1.75
Joisted 09-10 0.86 1.14 Joisted 09-10 1.66 1.97 2.44
Masonry Masonry
Non- 01-08 0.48 0.63 Non- 01-08 1.01 1.17 1.47
Combustible 09-10 0.61 0.75 Combustible 09-10 1.34 1.66 2.01
Masonry
Non- 01-08 0.46 0.63 Masonry 01-08 0.98 1.13 1.18
Combustible 09-10 0.56 0.72 Non- 09-10 1.29 1.43 1.50
Combustible
Fire 01-08 0.38 0.52 Fire 01-08 0.93 1.01 1.05
Resistive 09-10 0.48 0.63 Resistive 09-10 1.22 1.38 1.43
$ 500,000 Liability n/a 0.03 $ 500,000 Liability 0.03 0.06 0.08
$1,000,000 Liability n/a 0.05 $1,000,000 Liability 0.09 0.16 0.21
STANDARD RATES
SPRINKLER FACTOR
BUSINESSOWNERS RATES
MULTIPLY ABOVE RATES BY .90
MULTIPLY ABOVE RATES BY .70
Note: Rounding may result in a $1 to $2 premium variance
MIDWEST FAMILY MUTUAL MO-BUS-3 11/2011
Missouri - Territory 705
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
BASE BUILDING RATES - SPECIAL POLICY BASE CONTENTS RATE - SPECIAL POLICY
Per $100 of Building Value Per $100 Contents Value
Construction Protection Owner Lessor Construction Protection Rate Numbers
Type Class Occupied Occupied Type Class 1-5 6 7-8
Frame / 01-08 0.62 0.73 Frame / 01-08 0.99 1.11 1.34
Joisted 09-10 0.81 0.98 Joisted 09-10 1.27 1.51 1.87
Masonry Masonry
Non- 01-08 0.45 0.54 Non- 01-08 0.77 0.89 1.13
Combustible 09-10 0.57 0.65 Combustible 09-10 1.02 1.27 1.54
Masonry
Non- 01-08 0.43 0.54 Masonry 01-08 0.75 0.86 0.90
Combustible 09-10 0.52 0.62 Non- 09-10 0.98 1.10 1.15
Combustible
Fire 01-08 0.35 0.45 Fire 01-08 0.71 0.77 0.80
Resistive 09-10 0.45 0.54 Resistive 09-10 0.93 1.06 1.10
$ 500,000 Liability n/a 0.03 $ 500,000 Liability 0.03 0.06 0.08
$1,000,000 Liability n/a 0.05 $1,000,000 Liability 0.09 0.16 0.21
STANDARD RATES
SPRINKLER FACTOR
BUSINESSOWNERS RATES
MULTIPLY ABOVE RATES BY .90
MULTIPLY ABOVE RATES BY .70
Note: Rounding may result in a $1 to $2 premium variance
MIDWEST FAMILY MUTUAL MO-BUS-4 11/2011
APARTMENT AND CONDOMINIUM PROGRAM
Missouri - Territory 701
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
Base Building and Contents Rates - Special PolicyPer $100 of Building and Contents Value
Construction Protection Apartment Condo Standard Rates
Type Class Rate Rate Building & Contents
Frame / 01 - 08 .47 .36 Multiply rate by .90
Joisted Masonry 09 - 10 .66 .49
Sprinklered Factor
01 - 08 .36 .27
All Other 09 - 10 .57 .42 Multiply rate by .75
$ 500,000 Liability .04 .04
$1,000,000 Liability .07 .07
Territory 703 0.90
Territory 704 1.34
Territory 705 1.03
Qualifications* Eligible apartments must have 4 or more units.
* All buildings must have been built within the last 30 years.
* No conversions
Note: Rounding may result in a $1 to $2 premium variance.
Territory Factors
MIDWEST FAMILY MUTUAL MO-APT-1 05/2015
RENTAL DWELLINGS (1 – 3 UNITS)
Purpose: To provide Businessowners property and liability coverage for landlords whoown one or more 1 – 3 family rental properties.
RATES ALL STATES - $500 DEDUCTIBLE ($1,000 DEDUCTIBLE PREFERRED)
Dwellings with $300,000 liability .81/$100 of insurance Dwellings with $500,000 liability .85/$100 of insurance Dwellings with $1,000,000 liability .86/$100 of insurance
Credit for multiple locations (over 4) 5%Credit for multiple locations (over 9) 10%Credit for replacement cost 10%Credit for $1,000 deductible 7%Credit for $2,500 deductible 11%Credit for $5,000 deductible 19%
UNDERWRITING REQUIREMENTS
A photo is required of each dwelling. Dwellings must be insured 100% of value (replacement cost or actual cash value). Dwellings must be less than 60 years old. Replacement cost is written if 30 years or less. ACV is written if over 30, but less than 60. Minimum deductible is $500. A $1,000 minimum deductible is preferred. Maximum med pay is $1,000. Lower med pay is acceptable. Homes beyond 30 years old should have evidence of updating to determine eligibility i.e.: roof, wiring, plumbing, heating. No dwelling will be insured for less than $60,000 and insurance to 100% of value is a must. Protection class 1 – 8 homes are eligible. Class 9 – 10 homes are ineligible unless part of a multiple location account. A 25% surcharge applies to class 9 and 10 homes.
MIDWEST FAMILY MUTUAL MO-RENTAL 02/2005
Missouri
BUSINESSOWNER RATESMidwest Hangar Program
All Territories
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
- Policy for liability only: $300,000/$600,000 $550
$500,000/$1,000,000 $650
$1,000,000/$2,000,000 $800
Hangar Qualifications: - Hangar must have a hard surface flooring
- Hangar must be adjacent to a hard surface runway.
Note: Rounding may result in a $1 to $2 premium variance.
Construction Protection Building/Personal
Type Class Property
Rates
Frame / 01-08
Joisted Masonry
09-10 0.80
01-08 0.93
01-08 0.80
Non-Combustible
Resistive
Per $100 of Value
Sprinklered Rates
(All Construction types)
09-10 1.23
Masonry
1.23
09-10
0.67
1.85
$1,000,000 Liability 0.08
BASE BUILDING & CONTENTS RATES - SPECIAL POLICY
$ 500,000 Liability
Non-Combustible 09-10 0.93
Fire
09-10
01-08
01-08
0.74
09-10 0.11
0.05
01-08
09-10
01-08
0.04
0.67
MIDWEST FAMILY MUTUAL MO-HNG-1 11/2011
OFFICE PROGRAM
Missouri - Territory 701
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
Base Building & Contents Rates - Special PolicyPer $100 of Building and Contents Value
Construction Protection Building Contents
Type Class Rate Rate
01 - 08 .34 .57
09 - 10 .52 .88
Non-Combustible 01 - 08 .24 .34
09 - 10 .39 .52
Masonry 01 - 08 .21 .34
Non-Combustible 09 - 10 .36 .52
Fire 01 - 08 .18 .26
Resistive 09 - 10 .32 .44
$ 500,000 Liability .03 .03
$1,000,000 Liability .05 .05
Territory 703 0.77
Territory 704 1.32
Territory 705 0.77
Standard Rates Multiply Special rates by .90
Sprinkler Rates Multiply rates by .75
Joisted
Masonry
Frame /
Note: Rounding may result in a $1 to $2 premium variance
Territory Factors
MIDWEST FAMILY MUTUAL MO-OFF-1 11/2011
MOTEL / HOTEL PROGRAM
Missouri Territory 701
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
Base Building and Contents Rates - Special Policy
Per $100 of Building and Contents Value Construction Protection Rate Standard Rates
Type Class Bulding & Contents
Frame / 01 - 08 .63
Joisted 09 - 10 1.00 Sprinklered Factor
Masonry Multiply rate by .85
FRANCHISE CREDIT
Non- 01 - 08 .51 See Page BOP-10 for credit
Combustible 09 - 10 .81 and guidelines.
Guest Property
Limit Rate
Masonry 01 - 08 .42 Guest Agg Ea. Unit
Non - 09 - 10 .71 1,000 / 10,000 $2.50
Combustible 1,000 / 25,000 $2.75
2,000 / 10,000 $3.50
2,000 / 25,000 $3.75
Fire Resistive 01 - 08 .32
09 - 10 .58 Swimming Pool Rate
Liability Limit per pool
$ 500,000 Liability .03 300,000 200
$1,000,000 Liability .04 500,000 225
1,000,000 275
Territory 703 0.90
Territory 704 1.34
Territory 705 1.03
Qualifications
* Building must be 3 stories or less, and have 75 or fewer units
* If motel has a pool, see page BOP-7 for eligibility
* Minimal exercise equipment - No rental of recreational equipment, see page BOP-8
* No lounge or restaurant
Territory Factors
Note: Rounding may result in a $1 to $2 premium variance
Multiply rate by .90
MIDWEST FAMILY MUTUAL MO-MTL-1 05/2015
Missouri Territory 701
Building/Personal
Property
Unsecured
$ 500,000 Liability
$1,000,000 Liability
Standard Building & Contents Rates Multiply rate by .90
Territory 703 0.90
Territory 704 1.34
Territory 705 1.03
Mini Storage Warehouse Qualifications: * Rental of storage space to individuals and businesses must be on a strictly self-service basis
* Only structures designed and specfically built for self storage operations may be insured under this program
* No pick up and delivery or product handling services of any kind can be provided
* The customer is responsible for any movement of and damage to stored items
* Premises must be checked daily and removal of snow, ice, debris, brush or any obstacles must be timely
* Storage areas must be secure and have full perimeter lighting
* No sale of goods or services/processes/incidental operations are permitted on premises
* No storage of flammable liquids, aerosols, compressed gas canisters, ammunition, toxic substances
or hazardous materials.
* Fire extinguishers must be readily available
Territory Factors
Construction Protection Building/Personal
Sprinklered & Non-Sprinklered - $300,000 Liability Limits - $250 Deductible
Per $100 of Value
Secured
Frame / 01-08 .59.64
BUSINESSOWNER RATESMini Storage Warehouse Program
Type Class Property
Non-Combustible 01-08 .43.47
09-10 .77.85Joisted Masonry
09-10 .49
Masonry 01-08 .43
.57
.47
.39Fire
.06
Resistive 09-10 .43.47
.03
.06
BASE BUILDING AND CONTENTS RATES - SPECIAL POLICY
.03
Note: Rounding may result in a $1 to $2 premium variance.
01-08 .35
Non-Combustible 09-10 .48.54
MIDWEST FAMILY MUTUAL MO-STE-1 05/2015
Missouri
BUSINESSOWNERS RATESMini Storage Warehouse Program (continued)
Optional Liability Coverages
A. Customers Goods Legal Liability - BOP 00 42 This coverage covers claims by tenants for loss or damage to their stored goods, while at the
described premises for which the insured is legally liable. Coverage applies on a per occurrence
basis.
Compute the additional coverage premium charge by multiplying the published building rate by .40.
Apply rate to the per occurrence coverage limit per $1,000. Minimum premium $40.00.
Deductible is not applicable.
B. Sale and Disposal Legal Liability - BOP 00 41 This is a form of Errors and Omissions insurance covering liability which arises from the sale or
removal of customer's property; or wrongful eviction or lockout of customers from the insured
premises. The following coverage limits and premium charges apply:
$5,000 per claim / $15,000 aggregate
$10,000 per claim / $30,000 aggregate
$25,000 per claim / $75,000 aggregate
A minimum $1,000 per claim deductible applies. Higher deductibles are available upon request.
$81
Limit Premium
$50
$63
MIDWEST FAMILY MUTUAL MO-STE-2 05/2015
Missouri
Territory701
$ 500,000 Liability
$1,000,000 Liability
Standard Building & Contents Rates Multiply rates by .90
Sprinklered Rates Multiply rates by .80
Territory 703 0.90
Territory 704 1.34
Territory 705 1.03
FRANCHISE RESTAURANT QUALIFICATIONS - Protection class 1-8. Classes 9-10 will be considered on multiple location accounts.
- Refer to Businessowners eligibility and binding authority.
- All cooking areas must be protected by fire extinguisher/suppression systems.
- See page MO-OPT-1 thru MO-OPT-4 for optional coverages.
- For liquor service, multiply above rates by 1.20. Evidence of liquor liability coverage must be included
with application.
- No delivery, dance floor, entertainment, dinner theater, or night clubs.
- No playground equipment unless multiple locations and less than 25% of locations have a playground.
Surcharge $600 per eligible playground.
- Table service is defined as food served by a waiter or waitress.
- All risks must be associated with a recognized franchise which establishes standards for menu, decor,
protection, risk management, etc.
.05 .04
Territory Factors
Fire 01-08 .52 .41
.09 .07
Resistive 09-10 1.07 .88
Masonry 01-08 .64 .50
Non-Combustible 09-10 1.28 .98
Non-Combustible 01-08 .78 .64
09-10 1.39 1.19
Frame / 01-08 1.07 .86
09-10 1.65 1.51Joisted Masonry
Type Class Property With Property Without
Table Service Table Service
Note: Rounding may result in a $1 to $2 premium variance.
FRANCHISE RESTAURANT PROGRAM
Construction Protection Building/Personal Building/Personal
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
Per $100 of Value BASE BUILDING & CONTENTS RATES - SPECIAL POLICY
MIDWWEST FAMILY MUTUAL MO-FRN-1 11/2011
Missouri
Territory 701
$ 500,000 Liability
$1,000,000 Liability
Standard Rates Building & Contents
Sprinklered Factor
Territory 703 0.90
Territory 704 1.34
Territory 705 1.03
NON-FRANCHISE RESTAURANT QUALIFICATIONS:
- Protection class 1-8. Classes 9-10 considered on multiple location accounts.
- Refer to Businessowners eligibility and binding authority.
- All cooking areas must be protected by fire extinguisher/suppression systems.
- See page MO-OPT-1 thru MO-OPT-4 for optional coverages.
- For liquor service, multiply rates by 2.40. Evidence of liquor liability coverage must be included with application.
- No delivery, dance floor, entertainment, dinner theater, or night clubs.
- No playground equipment unless multiple locations and less than 25% of locations have a playground. Surcharge $600 per eligible playground.
- Table service is defined as food served by a waiter or waitress.
Note: Rounding may result in a $1 to $2 premium variance.
0.13
2.36
1.14
2.00
0.93
1.83
0.75
Construction Protection Building/Personal
Type Class Property With
Table Service
Frame / 01-08
Joisted Masonry 09-10
1.55
1.55
Multiply rate by .90
Non-Combustible 01-08
09-10
Masonry 01-08
Non-Combustible 09-10
0.08
Territory Factors
Multiply rate by .80
NON-FRANCHISE RESTAURANT PROGRAM
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
BASE BUILDING & CONTENTS RATES - SPECIAL POLICY
Per $100 of Value
Fire 01-08
Resistive 09-10
MIDWEST FAMILY MUTUAL MO-NFRN-1 11/2011
Missouri Territory 701
STRIP SHOPPING CENTER PROGRAM
All Territories
-
Territory 703Territory 704Territory 705
Note: Rounding may result in a $1 to $2 premium variance
Territory Factors
1.110.750.97
Standard Building & Contents Rates Multiply rate by .90
Sprinklered Rates Multiply rate by .75
0.510.69
0.390.45
0.390.44
$500,000 Liability 0.03
$1,000,000 0.06
Masonry
Non-Combustible
01-08
09-10
Fire
Resistive
01-08
09-10
0.320.39
Frame/
Joisted Masonry
01-08
09-10
Non-Combustible 01-08
09-10
Non-Sprinklered - $300,000 Liability Limit $250 Deductible
BASE BUILDING & CONTENTS RATES-SPECIAL POLICY
Per $100 of Value
ConstructionType
ProtectionClass
Building/Personal PropertyRates
MIDWEST FAMILY MUTUAL MO-MALL-1 05/2015
Missouri Territory 701
Non-Sprinklered - $300,000 Liability Limit - $250 Deductible
$ 500,000 Liability
$1,000,000 Liability
Standard Building & Contents Rates Multiply rate by .90
Sprinklered Rates Multiply rate by .75
Territory 703 0.90
Territory 704 1.34
Territory 705 1.03
WHOLESALERS & DISTRIBUTORS QUALIFICATIONS: - See page MO-OPT-1 thru MO-OPT-4 for optional coverages.
- Businesses that distribute or wholesale food, fruits, and vegetables - multiply above rates by 1.15. This
surcharge does not apply to beverage distributors.
- This program assumes a distribution radius of 300 miles (see commercial auto program for rules and rates).
Use Intermediate auto rates for autos operating beyond 75 miles but less than 300 miles.
Territory Factors
.51
Note: Rounding may result in a $1 to $2 premium variance.
WHOLESALERS AND DISTRIBUTORS PROGRAM
Construction Protection Building/Personal
BASE BUILDING & CONTENTS RATES - SPECIAL POLICY
Per $100 of Value
Type
.80
Class Property
Rates
Frame 01-08 1.10
.09
Resistive 09-10 .66
.05
09-10 1.38Joisted Masonry
Non-Combustible 01-08
Non-Combustible 09-10 .78
Fire 01-08
09-10 .89
Masonry 01-08 .71
MIDWEST FAMILY MUTUAL MO-WHL-1 11/2011
BUSINESSOWNER - OPTIONAL COVERAGES
Missouri - Entire StateOptional coverages are calculated on a per location basis
Option $250 $500 $1000 $2500 $5000 $10000 $25000
Deductible Options Factor 1.00 .93 .86 .82 .74 .70 .65
Factor to be multiplied by all rates and premiums.
Factor .90
Functional Replacement Cost Factor 1.00
Factor to be multiplied by all building and contents premiums.
Factor does not apply to Inland Marine coverages.
Deductible OptionCredit FactorFactor is applied to property premiums, excluding equipment breakdown coverage
Medical Limit $0 $500 $1000 $2500 $5000
Payments Options Credit .93 .94 1.00 1.03 1.06
($1,000 Included with policy) Factor to be multiplied by all building and contents premiums.
Exterior Grade Floor Glass Apartment Office All Other
(Per linear foot) .45 .45 .45
Outdoor Signs $1.75 per $100 of sign value
Limit PremiumOn Premises Off Premises
$ 1,000 $ 1,000 $ 20.00
Money and Securities $ 2,000 $ 2,000 $ 35.00
$ 5,000 $ 5,000 $ 65.00
$10,000 $10,000 $125.00
Each Additional $10,000 $ 45.00
Limit 0 - 5 Employees More than 5 $ 5,000 $ 50.00 $ 6.00
$10,000 $ 65.00 $ 7.00
$20,000 $ 90.00 $ 9.00
Employee Dishonesty $30,000 $ 105.00 $ 11.00
$40,000 $ 120.00 $ 13.00
$50,000 $ 135.00 $ 15.00
Each Additional
$10,000 $ 20.00 $ 10.00
# of Employees $300,000 $500,000 $1,000,000$200 $250 $300
$325 $375 $425
$450 $500 $550
$600 $650 $700
Note: Liability limits must match the policy liability limits.
Limit Premium$ 10,000 Included
$ 25,000 $ 32.00
Accounts Receivable $ 50,000 $ 40.00
$ 100,000 $ 60.00
Each Additional $ 25,000 $ 18.00
5% of building value
Wind/Hail Deductible .95 .93 .90
2% of building value 3% of building value
100-150
Full Replacement Cost
Employee Benefit Liability
1-25
25-100
Over 150
MIDWEST FAMILY MUTUAL MO-OPT-1 01/2014
BUSINESSOWNER - OPTIONAL COVERAGES CONTINUED
Limit Premium $ 10,000 $ 45.00
$ 25,000 $ 68.00
Customers' Goods $ 50,000 $100.00
$ 100,000 $170.00
Each Additional $ 20,000 $ 15.00
Includes: $10,000 Off Premises Personal Property
BOP Advantage $65.00 $10,000 Property of Others, Computers and Media,
Endorsement Flat Fee $5,000 Sign Coverage, Refrigeration Coverage.
Includes:$50,000 increase in Fire Legal over cov.
$85.00 shown on dec page; $1,000/$3,000 Exterior Grade
Flat Fee Glass; $1,000/$1,000 Money & Securities, $5,000 in
Sewer Coverage; $2,500 Fire Department Coverage
$125.00 Buy both the BOP Advantage and the BOP
Flat Fee Advantage Plus Endorsement and receive for $125
Limit Premium$ 10,000 Included
$ 25,000 $ 55.00
Valuable Papers $ 50,000 $ 80.00
$ 100,000 $ 125.00
Each Additional
$ 20,000 $ 15.00
Limit Premium $ 5,000 $ 75.00
Food Spoilage $ 10,000 $ 135.00
By Loss of Refrigerant $ 20,000 $ 225.00
Each Additional
$ 10,000 $ 60.00
Limit Premium $ 100,000 $ 15.00
Fire Legal Liability $ 200,000 $ 25.00
Each Additional
$ 50,000 $ 10.00
Limit PremiumHired and Non-Owned $ 300,000 $ 50.00
Auto Liability $ 500,000 $ 75.00
$1,000,000 $100.00
Property Insurance Liability Insurance
Additional Insureds No Charge $ 25.00
Flat charge per Additional Insured and Location
Bop Advantage "Plus" Endorsement
MIDWEST FAMILY MUTUAL MO-OPT-2 01/2014
BUSINESSOWNER - OPTIONAL COVERAGES CONTINUED
Professional Liability Refer to the PROFESSIONAL LIABILITY SECTION of
this manual for eligible classes, underwriting, and rates.
Sewer Backup Coverage Limit Premium
(a minimum $250 policy $ 5,000 $ 50.00
deductible applies) $ 10,000 $ 95.00
$ 15,000 $ 140.00
Limit Premium
Bldg Limit $ .02/$100
Limit Premium
Directors and Officers
Liability
Earthquake Coverage Type
Rates are per $100 of coverage Joisted Masonry
A Mandatory 10% deductible applies Masonry Veneer
See Territory page for Zone Hollow tile, Hollow unit
Masonry adobe, and Cavity wall
Credits do not apply to this coverage All other
Refer to the MINI STORAGE WAREHOUSE
SECTION of this manual for underwriting
qualifications and rates.
$5,000 per claim / $15,000 aggregate
$10,000 per claim / $30,000 aggregate
$25,000 per claim / $75,000 aggregate
A minimum $1,000 per claim deductible applies.
Higher deductibles are available upon request.
Equipment Breakdown coverage required on all BOP policies.
Please refer to page EB-2 in the Equipment Breakdown
section of your manual.
Identity Recovery coverage required on all BOP policies.
Revenue
<$500,000
500,000-1,000,000
1,000,001-1,500,000
1,500,001-2,000,000
2,000,001-3,000,000
3,000,001-4,000,000
4,000,001-5,000,000
5,000,001-6,000,000
6,000,001-7,000,000
7,000,001-8,000,000
8,000,001-9,000,000
9,000,001-10,000,000
Includes:$10,000 Sewer Backup; $10,000 per occ/$25,000 aggregate Food
$250/Location Contamination; $5,000 Recharge and $5,000 Cleanup for Automatic Extinguishing
Flat Fee System; $25,000 Accounts Receivable; $5,000 Lock Replacement; $25,000 Fine Arts;
$10,000 Computer Fraud; 12 months ALS Dependent Properties Business Income;
$10,000 Utility Services; $10,000 Outdoor Plants; $10,000 Outdoor Signs;
$25,000 Computer Equipment; $25,000 Crime
$2,742
$3,082$3,420
$3,760
$5,855
Option 2
$377
$603
$905
$1,206
$1,718
$4,098
$2,142
$2,403
$3,058
$3,432
$3,917
$4,402$4,886
$5,371
$2,928
Restaurant Advantage Endorsement
Increased Limit Options
Option 3
$538
$862
$1,292
$1,723
$2,455
NETGUARD PLUSTM
Cyber LiabilityRequired on all BOP policies
$65 for $50,000 LimitIncreased Limits
Option 1: $250,000Option 2: $500,000
Option 3: $1,000,000
Option 1
$269
$431
$1,228
$1,529
$646
$1,958
$862
$1,000,000
$2,202 $2,443
$2,686
$1,717
$81
SALE AND DISPOSAL - $50
LEGAL LIABILITY $63
CUSTOMERS GOODS-
LEGAL LIABILITY
Limit Premium
Premium
IDENTITY RECOVERY $25,000 annual aggregate per insured/$500 Deduct. $27
EQUIPMENT BREAKDOWN
Limit
Ordinance & Law Coverage
.13
.03
$500.00
ConstructionBuilding Contents
.10
.13
$600.00
$700.00
$300,000
$500,000
.07
.02
.11
.02
MIDWEST FAMILY MUTUAL MO-OPT-3 01/2014
OPTIONAL EXCLUSIONS
Personal Injury & Factor .05
Advertising Offense .05 x (bldg base rate OR .20 if no bldg) x (bldg OR contents limit/100)
Products and Completed Factor .10
Operations Exclusion .10 x (bldg base rate OR .20 if no bldg) x (bldg OR contents limit/100)
MULTIPLE LOCATION CREDITS
Number of Locations Amount of Credit 0 - 4 0
Multiple Location Expense Credit 5 - 9 5%
Over 9 10%
INLAND MARINE COVERAGES(Subject to a separate $100 minimum premium)
EDP, Mini or Deductible $250 $500 $1000 $2500
Micro Computers Charge per $100 1.50 1.40 1.30 1.25
Note: A complete list of all equip- Coverage is for Direct Physical Loss. Includes coverage for Coverage A-
ment including make, model, Equipment and Coverage B - Media. Coverage C - Extra Expense
serial number, and cost of each is 20% of Coverage A limit. Maximum available limit is $75,000
item is required (Coverage A plus Coverage B).
MINIMUM PREMIUM
Our Minimum premium for a BOP policy is $500. If the business is located in the
NOTE: insured's home and Midwest Family Mutual writes the Homeowners policy, the
'minimum premium is $300. If all units are beauticians the minimum premium is $350
MIDWEST FAMILY MUTUAL MO-OPT-4 05/2015
PROFESSIONAL LIABILITY Missouri
MIDWEST FAMILY MUTUAL PL-1 11-2011
INDEX Page No.
-- A --
Application PL-2, 6
-- B --
Barbers’ & Beauticians’ Limits of Liability & Coverages PL-3 Barbers’ & Beauticians’ Professional Liability PL-3 Barbers’ & Beauticians’ Rates PL-4
-- C --
-- D --
Druggist Professional Liability PL-3
-- E, F, G –
Funeral Directors Liability PL-2
-- H, I, J --
Introduction PL-2
-- K, L, M --
-- N, O, P --
-- Q, R, S --
-- T, U, V --
-- W, X, Y, Z --
PROFESSIONAL LIABILITY Missouri
MIDWEST FAMILY MUTUAL PL-2 06-2014
PROFESSIONAL LIABILITY
INTRODUCTION Midwest Family will endorse the Professional Liability coverage part to the following eligible Businessowners classes: Morticians, Cemeteries, Druggists, Barbers and Beauticians. APPLICATION Midwest Family’s professional liability application PRO-001-09-91 must be completed, signed and submitted to our office. A sample of this application can be seen in this manual. This application can be obtained from our supply department however, we encourage you to reproduce it locally to minimize processing delays. FUNERAL DIRECTORS LIABILITY (FORM BP 08 02) Funeral Directors Liability coverage cannot be written on a stand alone basis. When Midwest Family provides the premises and operations coverage through a Businessowners policy, the Funeral Directors coverage can be included by applying the appropriate rates shown below. Contractual liability applies to any contract, made in the usual course of the insured’s business, as a funeral director for the embalming, burial, care, handling, or disposition of a deceased human body or the transportation thereof by another.
FUNERAL DIRECTORS LIABILITY (ANNUAL RATES)
With Contractual Liability First 100 bodies $ .90 each body Over 100 bodies $ .70 each body Minimum Premium $150.00 The above rates reflect a basic $100,000 occurrence limit for all damages arising out of any act or omission with respect to any one human body or memorial service. A $300,000 aggregate limit applies to all damages incurred in an annual policy period.
INCREASED LIABILITY LIMITS Limits Factor times annual premium $ 300,000 / $ 300,000 1.15 $ 500,000 / $ 500,000 1.40 $1,000,000 / $1,000,000 1.75
PROFESSIONAL LIABILITY Missouri
MIDWEST FAMILY MUTUAL PL-3 06-2014
DRUGGIST PROFESSIONAL LIABILITY Druggist Professional Liability coverage is designed to meet the professional liability needs of a drug store. Only the named insured is provided coverage. Employed pharmacists may be included as additional insureds at the premiums indicated: Rates per $100 of Business Personal Property Limit $ 300,000 $ 500,000 $ 1,000,000 Entire State .31 .35 .40 To include an employed pharmacist as a named insured, multiply the above calculated premium by .35. BARBERS’ AND BEAUTICIANS’ PROFESSIONAL LIABILITY Barbers’ and Beauticians’ professional liability provides protection for claims arising out of any personal or professional services rendered, or the use of any preparation or appliance on or away from the premises in connection with the operation of a beauty parlor or a barber shop. LIMITS OF LIABILITY AND COVERAGES A Physical Damage to Property limit of $250 per customer per occurrence. This limit is subject to a $25 deductible for damage to or the destruction of wigs, toupees, or hairpieces while in the care, custody, or control of the insured.
PROFESSIONAL LIABILITY Missouri
MIDWEST FAMILY MUTUAL PL-4 11-2011
BEAUTY AND BARBER PROFESSIONAL LIABILITY CLASSIFICATION AND RATE TABLE
Beauty Barber Limit of Liability Class Shop Shop $ 100,000 / 300,000 BI Full-time $ 35 $ 12 $ 10,000 PD Part-time 17 7 Manicurist 12 12 Minimum Premium 40 25 $ 200,000 / 600,000 BI Full-time $ 40 $ 14 $ 10,000 PD Part-time 20 9 Manicurist 14 14 Minimum Premium 50 30 $ 300,000 / 300,000 BI Full-time $ 45 $ 15 $ 10,000 PD Part-time 23 10 Manicurist 16 15 Minimum Premium 55 33 $ 500,000 / 500,000 BI Full-time $ 50 $ 17 $ 10,000 PD Part-time 25 12 Manicurist 18 17 Minimum Premium 60 32 $ 1,000,000 / 1,000,000 BI Full-time $ 60 $ 22 $ 10,000 PD Part-time 30 16 Manicurist 22 22 Minimum Premium 80 37 Note: Rate is per employee. Full-time means a person who usually works more than 16 hours per week. Part-time means a person who usually works 16 hours or less per week.
MANUFACTURING AND EXTENDED PRODUCTS PROGRAM GENERAL The Midwest Family Manufacturing and Products/Completed Operations Liability Expansion Program allows for Midwest Family’s Businessowners, Contractors and Garage programs to expand eligibility to insureds who conduct manufacturing operations and/or present a larger products completed operations liability exposure than contemplated currently in these programs without an additional products and completed operations exposure charge. ELIGIBILITY Any manufacturing or products liability customer is eligible subject to: • Being in business for at least 3 years. • Does not currently manufacturer or has never manufactured in the past, a
product or part used in the automobile, aviation, watercraft, recreational vehicle or medical industry.
• Owner and/or executive officers having a credit score of 750 or greater. • Sales being less than $20M. • Prior year product liability audits can be provided. • The business is profitable with adequate capital. AGENCY BINDING AUTHORITY Due to the wide range of products liability hazards/exposures, and corresponding pricing, no agency binding authority exists for this program. Contact your Underwriter or Marketing Representative for assistance. PROPERTY AND LIABILITY LIMITS AVAILABLE We will consider manufacturing/operations business that have total property (building, personal property) limits up to $5M. Liability limits to $1M CSL are written with Umbrella to $5M provided beyond Midwest Family’s underlying limits. PROPERTY PREMISES LIABILITY RATES Building, personal property and premises/operations liability coverage is determined by using a rate group 4 for Businessowners, base rates for Contractors and rate number 1 for Garage. Most insureds will be written under the Businessowners program.
PRODUCTS COMPLETED OPERATIONS LIABILITY ELIGIBILITY & RATING Manufacturing of metal, plastics and wood goods have a wide range of uses and as such, the relative products liability has a wide range of exposure and a wide range of pricing/rating. No pricing authority is granted at the agency level and as such all pricing/rating is controlled by Midwest Family underwriting. PRICING AND RATING Ranges of rates are determined from the following rate table:
Product liability rates per $1,000 of sales or receipts
Metal goods manufacturing .25 – 8.00 Plastic good manufacturing .15 – 7.50 Wood products manufacturing .10 – 6.00 All other manufacturing processes .10 – 9.00 Completed operations .15 – 6.50
General products (limited mfg) .10 – 5.50 UNDERWRITING APPLICATION A fully completed Businessowners, Contractors and Garage application is required to begin the underwriting process. The insureds last products liability audit must accompany the application. A products liability questionnaire will also supplement a complete submission. Following on the next page is this products questionnaire.
PRODUCTS/COMPLETED OPERATIONS LIABILITY SUPPLEMENTAL APPLICATION
Insured Name: Address: Description and use of product/service conducted/manufactured: How long in business?: Has the insured discontinued a product line or service? Yes No If no, describe: Last 5 years sales: Past year sales: $______________ 2 years ago sales: $______________ 3 years ago sales: $______________ 4 years ago sales: $______________ 5 years ago sales: $______________ List all products liability losses (include any incidents, notice of provisional loss or any other occurrence that did not or may not result in a liability payment): ______________________________________________________________________ Insured’s signature Title Date Agent’s signature Date Attach to this questionnaire any copies of brochures, internal control, or quality control processes that will aid in our understanding, underwriting and pricing of your products/completed operations liability risk. SUPPLEMENTAL APPLICATION
All States
MIDWEST FAMILY MUTUAL EB-1 07-2013
EQUIPMENT BREAKDOWN COVERAGE What has traditionally been called “boiler and machinery coverage” is now more appropriately referred to as “EQUIPMENT BREAKDOWN COVERAGE”. This coverage is even more universally needed than its predecessor given the technology required to do business today. All businesses are dependent on technology and operate high valued equipment that increases their exposure to mechanical or electrical breakdown loss. Traditional boiler and machinery policies have not effectively addressed the increased exposure to equipment breakdown loss that many small and medium insureds now have. This coverage can no longer be considered an optional coverage as it has for been for so long. It is estimated that only 5-10% of all commercial insureds have purchased this coverage, which leaves a large population with a significant exposure to loss, but no protection. Midwest Family Mutual in conjunction with Hartford Steam Boiler has developed a simple, economical solution to provide coverage for both property damage and business income/extra expense. This new solution integrates coverage into the existing policy form and provides coverage by removing equipment related exclusions and limitations from the standard coverage form wording (see form for actual coverage provided). This means that the policy limit written is simply available for these kinds of losses at an economical flat rate.
COVERAGE Boilers and pressure vessels are covered but so are the following: telephone systems, business equipment (fax, copiers, printers), retail equipment (bar-code scanners, pay-at-the-pump machines), security-alarm and sound systems, electrical panels and distribution systems, heating systems, water heaters, air conditioning and refrigeration systems, generators, fans, motors, pumps, drill presses, lathes, planers, routers, computer controller equipment, etc. All classes of business written by Midwest Family are eligible for this coverage. The coverage is a part of the policy limit; however, there is a $100,000 sublimit on certain high-risk exposures. The sublimit applies to expediting expenses, hazardous substances, perishable goods, computer equipment and CFC refrigerants. See Form BOP 00 26 for complete coverage detail.
LOCATION DEFINITION Coverage is purchased on a per building basis and is rated on the value of that building. For the purposes of rating this coverage only, small auxiliary buildings (garages, equipment storage, separate mechanical structure, etc.) are to be included in the main building value even though they are shown separately in the declarations. Multiple buildings at one location i.e. apartment complexes are considered multiple locations and a separate limit and premium charged for each. The contents value is used as the rating base and location definition for leased buildings.
All States
MIDWEST FAMILY MUTUAL EB-2 07-2013
DEDUCTIBLES The policy deductible applies to all classes written.
SERVICES Breakdown coverage included as a part of the package—one policy, one company, and one underwriter. Second, our usual prompt, fair claims service. Finally, jurisdictional inspections as required. We identify, schedule and perform boiler and pressure vessel certificate inspection services in accordance with jurisdictional requirements. This usually satisfies an obligation the insured would otherwise have to pay for and helps them improve their operations maintenance and reliability.
RATING – Policy Deductible Applies Value All classes except Grocery, food Per grocery, food or beverage or beverage Building wholesalers. Wholesalers POLICY DEDUCTIBLE $2500 MIN. APPLIES DEDUCTIBLE $0-250,000 $ 100 $175 250,001-500,00 125 275 500,001-750,000 150 375 750,000-1,000,000 175 475 1,000,000 + 200 575
NO CREDITS OR DISCOUNTS APPLY. “Value per building” is not to be confused with the total value of all buildings in a complex. A complex is made up of individual buildings to which the premium applies individually. Contents value is used as the rating base for leased buildings.
EMPLOYMENT PRACTICES LIABILITY INSURANCE
GENERAL Employment Practices Liability Insurance (EPLI) provides coverage to eligible insureds for liability arising out of employer/employee employment practices as defined in coverage part EP 00 01 01 02. This coverage can only be provided as a coverage part to an eligible Businessowners, Garage and Contractors policy. This cover is optional. ELIGIBILITY Employers are eligible for this program if: • They employ less than 20 employees. • They have not previously experienced an EPLI loss. • Employees are considered “at will”. • No employment contracts/agreements exist. AGENCY BINDING/QUOTING Agents may bind and quote this coverage to eligible insureds in conjunction with an eligible Businessowners, Contractors or Garage proposal. This coverage is not written alone. The coverage is optional. LIABILITY LIMITS/DEDUCTIBLE Our only limit for this coverage is $200,000. A $5,000 deductible applies. Legal expenses are covered but are included in this limit. PRICING/RATING This insurance is per employee priced. Our premium per employee is $75. APPLICATION The following short form application must be submitted. This form can be reproduced on our website.
EMPLOYMENT PRACTICES LIABILITY INSURANCE APPLICATION Name: Address: Number of employees: Number of employees hired in the past year: Number of employees terminated in the past years: In the lines that follow, describe all incidents that may give rise to a loss under this coverage that have occurred in the past 7 years:
In the lines that follow, list all employment related claims or lawsuits that have occurred: Insured’s signature Title Date Agent’s signature Date EPLI APPL 04-06
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 1 07-2013
UNDERWRITING GUIDELINES
A. INTRODUCTION
Midwest Family Mutual’s Agribusiness Program offers a package policy that combines to provide commercial property, general liability, and inland marine coverages for small to medium sized, well-managed businesses with above average to very good loss experience. Good property maintenance and employee safety training are essential to loss control and are therefore a major part of overall eligibility and pricing.
B. ELIGIBILITY
The following are eligible under the Agribusiness Program:
• Grain elevators• Feed Mills and Feed, Grain, Hay Dealers
• Ag Chemical and Fertilizer Plants and Dealers
• Seed Plants and Dealers
• Livestock Sales Companies, Livestock Dealer• Petroleum Dealers and Service Stations
• Machinery & Equipment Dealers
• Other classes when incidental to Agribusiness Program exposures
C. BINDING AUTHORITY
Agents may bind property up to $4,000,000 in any one protected fire division (protection class 1-8). Property classes 9 and 10 and values that exceed $1,000,000 must be submitted to Underwriting for prior approval. All property (building, contents, stock, and inland marine coverages) is included in the property definition.
Agents may bind liability limits up to $1,000,000 per occurrence with a $2,000,000 aggregate. Agribusinesses on our eligible class listing (not including Ag Chemical and Fertilizer Plants and Dealers or Petroleum Dealers and Service Stations or other similar exposures) with at least two years of experience may be bound. Additionally, you may bind operations with up to $20,000,000 in gross receipts. All others should be submitted to Underwriting for approval. No certificates of insurance may be modified without prior approval. No cities or municipalities may be listed as additional insureds.
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 2 07-2013
All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and appropriate down payment of premium.
D. TOTAL PROPERTY VALUES AND LIABILITY LIMITS AVAILABLE
Generally, Midwest Family will not write occupancies with total property values (building, contents, stock, inland marine, and business income coverages) in excess of $4,000,000 per location. The maximum agency binding limit is $4,000,000 for those classes specified in the Binding Authority section. For occupancies with values in excess of $4,000,000 or for classes that are not bind-able without prior approval, refer to Underwriting for consideration. Always consider an Umbrella policy.
E. PROPERTY VALUATIONS
Midwest Family offers three property valuation options: Actual Cash Value, Replacement Cost, and Functional Replacement Cost. The rates in our manual include Actual Cash Value. If Replacement Cost is elected, the insured will receive a 10% credit on building and contents rates. If Functional Replacement Cost is elected, apply a 15% surcharge to the building and contents rates. In addition, buildings may be written on a scheduled basis or on a blanket basis. At your option or by underwritten direction, certain structures may be excluded. Blanket coverage must include a list of buildings included per location with corresponding values. The maximum coverage for any one building will be no more than 125% of the amount listed in the schedule. The Replacement Cost option will be considered for structures built within the last 40 years where evidence of updated facilities, such as heating, electrical, plumbing, and roof are provided. For structures older than 20 years, written proof of professionally updated facilities should be provided.
F. APPLICATION – RATING WORKSHEET
Midwest Family accepts ACORD applications for all Commercial lines products. Applications should be signed and submitted with the Agribusiness Rating Worksheet, Questionnaire, & IRPM Worksheet when applicable.
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 3 07-2013
G. FIELD PRICING
Midwest Family encourages you to use our manual and the Agribusiness rating worksheet to filed price this product. If you need assistance, please contact our Underwriting staff. When requesting IRPM credits for superior risks, submit a completed worksheet with the application and contact Underwriting for prior approval.
H. BASIS FOR PREMIUM
Property premiums are developed per $100 of property value. Liability premiums are developed on any of the following: per $1,000 of gross sales, per $1,000 of payroll, or per 1,000 gallons (or pounds).
I. AUDITS
All liability premiums are annual deposit premiums calculated using the estimated payroll, gross sales, and/or gallons (or pounds). At the policy expiration, an audit may be conducted and the premium adjusted based on actual numbers.
J. DEDUCTIBLE
The Agribusiness Program includes a $1,000 property deductible and a $500 property damage liability deductible. Optional deductibles and corresponding credits for property are available and displayed in our rate pages. We strongly encourage use of higher deductibles.
K. INCREASE COVERAGE ENDORSEMENT
The Agribusiness Program provides an annual 8% increase in building and contents coverage limits. This option is included on all policies at no additional charge to ensure that property values remain consistent with general inflation.
L. BUSINESS INCOME
Loss of income is covered on an actual loss sustained basis for 12 months, limited to either (1) 10% of the cumulative limit of building, stock, and personal property listed on the dec, or (2) the specific limit stated on the dec.
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 4 07-2013
M. AG ADVANTAGE ENDORSEMENT
The Ag Advantage Endorsement is used for Ag Classes with property coverage. This endorsement can be added for a $300 premium, and includes the following:
Additional Debris Removal (up to 25%) $100,000 Pollution Clean Up /Removal $50,000 Tank Leakage $10,000/Occ $20,000/Aggr Ordinance & Law $100,000 Garage Keepers $100,000 Agreed Amount – No Coinsurance Arson Reward $7,500 Newly Acquired/Constructed Property $500,000 Personal Effects of Others $15,000 Business Personal Property in Transit $50,000 Business Personal Prop. Away from Premises $50,000 Business Personal Property Extension up to 1,000 feet Rekeying of Locks $1,000 Signs $15,000 per location Fire Extinguisher Recharge $2,500 Fire Department Surcharge $2,500 Property at Fairs or Exhibitions $25,000 Fire Legal Liability $100,000 Broad Form Drive Other Car Mortgaged & Stolen Grain $100,000/Occ $200,000/Aggr
N. MINIMUM PREMIUM
The Agribusiness Program policy premium is subject to a minimum premium of $500, including optional coverages. A separate $100 minimum premium apples to Inland Marine Coverages endorsed to the Agribusiness Program policy.
O. ADDITIONAL INSUREDS
Additional Insureds for property will be added to the Agribusiness Program policy at no additional charge. Additional Insureds for liability are discouraged and should be encouraged to purchase their own coverage. No cities or municipalities may be listed as additional insureds without prior approval. When it becomes necessary to add an Additional Insured for liability, the following pricing applies:
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 5 07-2013
1. If the inclusion of an Additional Insured for liability creates no operations hazard, a charge of $50 per Additional Insured will be made.
2. If the inclusion of an Additional Insured for liability creates an
operational hazard, the premium will be calculated as if the Additional Insured were the named insured. When possible, Additional Insured liability requests should be discouraged by issuance of a certificate of insurance.
P. CERTIFICATES OF INSURANCE
A Certificate of Insurance provides evidence of inforce coverage. Certificates may not alter policy provisions or coverages unless the policy is properly endorsed prior to the certificates' issuance. If it is necessary to modify the provided coverage, agents should contact their underwriter prior to issuing the certificate for the appropriate approval. * Midwest Family does not require a copy of Certificates of Insurance when issued by an agent. * Requests for Additional Insureds, Waivers of Subro, and Non-contributory Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters. * Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
Q. PROPERTY DIAGRAMS
All New Business submissions must include a site diagram with distances between structures visibly shown.
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 6 07-2013
GENERAL UNDERWRITING
A. LOSS EXPERIENCE
All policy applications must be submitted with prior loss history. Information
printed on company stationary, or loss runs from the prior carriers are acceptable
documentation and provide Underwriting with a complete picture of the potential
risk. If official prior loss history documentation is unavailable, the insured should
sign a statement with respect to known losses from the previous five (5) year period.
No IRPM credits will be given unless prior information is provided.
B. FINANCIAL STATEMENTS
Midwest Family does not require financial statements on all submissions. Agents
should understand however, that Underwriting may randomly request financial
information to increase their confidence in the quality of a submission. When
requesting IRPM credits or adding stock/inventory coverage, agents are encouraged
to submit financial information as evidence of a sound financial operation.
C. BUILDING VALUATIONS
Midwest Family’s Agribusiness Program requires that all property be insured for full
value (100% ACV, RC). When requesting Actual Cash Value coverage (ACV), it is
not necessary to submit a building cost estimator; however, when requesting
Replacement Cost coverage, a building cost estimator should be submitted with the
application. When requesting Functional Replacement Cost, documentation
supporting the requested limit should be submitted.
D. PHOTOGRAPHS
A photograph of each structure to be insured on all properties must be included with
the application.
E. MANAGEMENT EXPERIENCE
Midwest Family will consider Agribusiness Program coverage on any business
where the existing ownership or management can demonstrate at least two (2) years
of previous management experience in the same or a related field. Though new
ventures are not prohibited, they should not be bound and should be sent to
Underwriting with full details for approval. Additionally, any risk with activities
which require, by law or ordinance, specific licensing or training must be qualified
accordingly.
All States AGRIBUSINESS PROGRAM
MIDWEST FAMILY MUTUAL AG - 7 07-2013
F. HIRED AND NON-OWNED AUTOMOBILE COVERAGE
This coverage can only be endorsed to the policy when the insured has no owned
automobile. If owned automobiles exist, the Hired and Non-owned coverage should
be written with the carrier providing the vehicle’s liability and physical damage
coverage. Complete driver information is required for all persons, including full
name (first, middle, last), date of birth, and drivers license number.
G. FLEX RATING
Midwest Family Mutual may subjectively deviate the rate by 40%. No more than a
40% credit or
debit may be applied to any single risk.
All States
MIDWEST FAMILY MUTUAL AG – 6 12/2010
AGRIBUSINESS SUPPLEMENTAL WORKSHEET
Applicant’s Name ______________________________ DBA____________________________________________________________
SS # ______-____-______ or FEIN # ___-__________ Phone # ______-______-________
PROPERTY
For each risk: 1) Select base property rate.2) Select Deductible Factor, Valuation Factor, Sprinkler Factor and Standard Factor.3)Multiply in the order specified below to come up with each risk premium.
BLDG: __________ x (__________/100) x __________ x __________ x __________ x __________ = ____________ Base Rate Coverage Value Ded Factor Valuation Factor Sprinkler Factor Standard Factor Premium
CONT: __________ x (__________/100) x __________ x __________ x __________ x __________ = ____________ Base Rate Coverage Value Ded Factor Valuation Factor Sprinkler Factor Standard Factor Premium
STOCK: __________ x (__________/100) x __________ x __________ x __________ x __________ = ____________ Base Rate Coverage Value Ded Factor Valuation Factor Sprinkler Factor Standard Factor Premium
TOTAL PROPERTY PREMIUM: _______________
LIABILITY
For each class: 1) Determine the applicable class code.2) Select your base rates for Premises Operations and Products/Completed Operations from the table.3) Determine the exposure basis (per $1,000 payroll, per $1,000 gross sales, per 1,000 gallons, or per head capacity per building).4) Select Increased Limits Factor and the Medical Payments Factor applicable.5)Multiply in the order specified below to come up with each risk premium.
PREMISES OPERATIONS: ____________ x ___________ x ___________ x ___________ = ____________ Base Rate Exposure Basis Incr Limits Factor Med Pay Factor Class Premium
PROD/COMP OPERATIONS: ____________ x ___________ x ___________ x ___________ = ____________ Base Rate Exposure Basis Incr Limits Factor Med Pay Factor Class Premium
TOTAL LIABILITY PREMIUM: _______________ OPTIONAL COVERAGES
Outdoor Signs_________(amount per $100) X ________ (rate) =_________ Glass __________(linear feet) X _________ (rate) =_________ Guest Property _________Limit ____(# units) X ________(rate) =_________ Employee Dishonesty ____________Limit _______ (# employees) =_________ Advantage Endorsement X ________ =_________ Sewer/Sump Coverage ______________________ Limit =_________ Accounts Receivable ________________________ Limit =_________ Valuable Papers ____________________________ Limit =_________ Customers’ Goods __________________________ Limit =_________ Food Spoilage ______________________________ Limit =_________ Money & Securities__________________________ Limit =_________ Hired & Non-owned Auto ___________________ Limit =_________ Fire Legal Liability __________________________ Limit =_________ Additional Insureds _______________________number =_________ Other ___________________________________ =_________
TOTAL OPTIONAL COVERAGES: = _________________
TOTAL PROPERTY:___________ + TOTAL LIABILITY:___________+ TOTAL OPTIONAL:____________ = PREMIUM: ____________ X IRPM: ______
= TOTAL ANNUAL PREMIUM: _________________
All States
MIDWEST FAMILY MUTUAL AG – 7 12/2010
UNDERWRITING INFORMATION - ALL QUESTIONS MUST BE ANSWERED
1. Gross Earnings (12 Months) $______________________ 100% Annual Rents (12 Months)______________________________________2. Receipts from installation, service or repair? _________________ Percent of the total sales and receipts?__________________________3. Electrical, Heating, Plumbing, & Roof: When Updated: Elec_______Heat_______Plumb_______Roof_______4. Age of building __________ Number of stories ___________________ Total ground square footage______________ 5. Are storage areas and aisles clean and trash disposed of properly? ___Yes ___No 6. Is there evidence of water damage, broken windows or breaks in pavements, ___Yes ___No
floors, or sidewalks?7. Does applicant own or operate any other business or property? ___Yes ___No 8. Does applicant own any Commercial Vehicles not insured by this Company? ___Yes ___No 9. Are any employees using their automobiles for company business? ___Yes ___No 10. Number of fire escapes?________Number of exits?________Are exits lighted? ___Yes ___No 11. Number of Stairways? _______Condition of Stairs?_______ Do stairs have handrails? ___Yes ___No 12. Are stairs lighted? ___Yes ___No
Explanation of any of the above answers: ________________________________________________________________________________ _____________________________________________________________________________________________________________________ Describe business activities of insured: __________________________________________________________________________________ _____________________________________________________________________________________________________________________
13. Has the applicant ever experienced a fire loss in this business, any other business ___Yes ___No or at their place of residence?
14. How long has the applicant owned this business? ________________________________________________________________________15. Has this business ever had a robbery? Explain. ___Yes ___No 16. Does the time of deposits vary? ___Yes ___No 17. Is the route changed? ___Yes ___No 18. How frequently are deposits made?_______________ How much money is carried at one time?______________________________19. Distance to Bank?________________________ How much money is kept on premises overnight?______________________ 20. How conveyed?______________________________________________________________________________________________________
INDIVIDUAL RISK PREMIUM MODIFICATION DOCUMENTATION
Briefly tell us what is extraordinary about the risk you are writing. Attach supplements is space provided if inadequate.
Management__________________________________________________________________________________________________ ______________________________________________________________________________________________________________
Location______________________________________________________________________________________________________ ______________________________________________________________________________________________________________
Building Features _____________________________________________________________________________________________ ______________________________________________________________________________________________________________
Premises and Equipment_______________________________________________________________________________________ ______________________________________________________________________________________________________________
Special Protection _____________________________________________________________________________________________ ______________________________________________________________________________________________________________
Employees ___________________________________________________________________________________________________ ______________________________________________________________________________________________________________
Minnesota
Ag Business Property Rates
All Territories
Non-Sprinklered - $1000 Deductible
BASE BUILDING, CONTENTS AND INVENTORY/STOCK RATES - SPECIAL POLICY
Per $100 of Building, Contents & Stock Value
Construction Protection PropertyType Class Rate
Frame / 01 - 08
Joisted Masonry 09 - 10
Non-Combustible 01 -08
09 - 10 0.95
01 -08 0.86
09 - 10 0.81
01 -08 0.76
09 - 10
Sprinkler Factor of 0.7
Deductible
Factors
$2,500
$5,000
$10,000
$25,000
Note: Rounding may result in a $1 to $2 premium variance.
Non-Combustible
Fire Resistive
.34
.39
.31
(Not Implement Dealers)
.36
Standard RatesBuilding & Contents
Multiply rate by .90
.56
.61
.39
.45
Masonry
MIDWEST FAMILY MUTUAL AG - PROP - 1 12/1/2010
Minnesota
All Territories
Rates
Class Description
Prem
Ops
Prod/
Compl Rating Basis10036 Anhydrous Ammonia Dealers & distributors 1.008 1.024 Gross Sales Limit Factor11101 Chemical Dealers 0.640 0.752 Gross Sales 300,000 1.0012583 Feed, Grain or Hay Dealers 0.339 0.672 Gross Sales 500,000 1.2012683 Fertilizer Dealers and Distributors 0.688 1.584 Gross Sales 1,000,000 1.3513621 Grain Milling 0.181 1.344 Gross Sales
16891
Seed Merch - erroneous delivery, error in
mixture & germination failure 0.296 1.200 Gross Sales
16892
Seed Merch - err delivery, error in
mixture (excl germination failure) 0.296 0.752 Gross Sales
44009
Gasoline or Oil Supply Stations - retail
(lessor's risk only) 8.512 Gross Sales53001 Feed Mfg 0.464 1.120 Gross Sales53077 Fertilizer Mfg 0.258 1.392 Gross Sales55371 Honey Extracting 0.736 0.608 Gross Sales
16890
Seed Merch - excl erroneous delivery,
error in mixture & germin failure 0.296 0.416 Gross Sales
91179 Auctioneers (no livestock) 7.632 Payroll
91606 Crop Spraying - by contractors 29.420 Payroll
95455 Grain Elevator Operations 12.160 4.848 Payroll
97221
Machinery or Equip - farm - installation,
servicing, repair or erection 7.952 6.160 Payroll97654 Metal Erection- steel lock gates, tanks, silos 11.216 11.616 Payroll
98257
Orchards and Vineyards - operations by
contractors 3.072 Payroll98502 Prefabricated Building Erection 11.632 15.568 Payroll
NOC01 Not Othewise Classified - Class 1 0.254 0.542 Gross SalesNOC02 Not Othewise Classified - Class 2 0.540 0.714 Gross SalesNOC03 Not Othewise Classified - Class 3 1.120 1.240 Gross Sales
Liability & Products
Increased Limits
(Not Implement Dealers)Ag Business Liability and Products Rates
MIDWEST FAMILY MUTUAL AG - LIAB - 1 12/01/2010
***If no base rate for prod/compl op shown, it is included in premises op premium
Minnesota ***Unpublished Rates***
All Territories $300,000 Limit
Rates
$300,000 Limit
Class Description
Prem
Ops
Prod/
Compl Rating Basis
13204 Fuel Oil or Kerosene Dealers 1.216 1.456 Per 1,000 gallons
13205 Fuel Oil or Kerosene Dealers 0.624 0.896 Per 1,000 gallons
13410 Gas Dealers - LPG 1.504 8.320 Per 1,000 gallons, or lbs/4.6
13411 Gas Dealers or Distributors 0.592 0.832 Per 1,000 gallons, or lbs/4.6
13412 Gas Dealers - LPG 0.608 4.448 Per 1,000 gallons, or lbs/4.6
13454 Gasoline Stations - self service 0.768 1.820 Per 1,000 gallons
14855 Livestock Dealers or Commission Merchants 0.357 0.880 Gross Sales
45771 Livestock Sales Companies 0.592 1.152 Gross Sales
All Territories
Ag Business Liability and Products Rates
MIDWEST FAMILY MUTUAL AG - LIAB - 2 12/01/2010
AGRIBUSINESS - OPTIONAL COVERAGES
ALL STATES
All Optional Coverages are calculated by Location Full Replacement Cost Factor .90Functional Replacement Cost Factor 1.25Factor to be multiplied by building and contents premiums.
Retroactive Length FactorOne Year Retroactive 0.85Two Year Retroactive 0.90Three Year Retroactive 0.95Four Year Retroactive 1.00No Retroactive Date 1.10
Consulting Type RateCrop Consulting $3.00/1,000 Gross Receipts
AG CONSULTING Soil Service Consulting $2.00/1,000 Gross ReceiptsFarm Management Consulting $6.00/1,000 Gross Receipts
Minimum Premium (all types) $1,500
Average Crop Value Rate < $500 per Acre $500/1,000 Acres $501 to $2,000 per Acre $600/1,000 Acres $2,000 to $5,000 Per Acre $700/1,000 Acres
Deductible Factor$5,000 1.15$10,000 1.00$25,000 0.80
Minimum Premium $2,000
Rates $0.50 per 1,000 Gallons
Minimum Premium $400Includes: $100,000 additional Debris Removal (up to 25%)
$50,000 Pollution Clean Up /Removal, $10,000 per Occ/$20,000
Agg Tank Leakage, $100,000 Ordinance & Law, $100,000 Garage
Keepers, Agreed Amount, $7,500 Arson Reward, $500,000 Newly
$300.00 Aquired/Constructed Property, $15,000 Pers. Prop of Others,
Flat Fee $50,000 BPP in Transit, $50,000 BPP Away from Premises,
BPP Extension up to 1,000 feet, $1,000 Rekeying of Locks,
$15,000 per location - Signs, $2,500 Fire Extinguisher Recharge,
$2,500 Fire Dept Surcharge, $25,000 Prop at Fairs/Exhibitions,$100,000 Fire Legal Liability, Broad Form Drive other Car,
& $100,000 per Occ/$200,000 Agg - Mortgaged and Stolen Grain
Property Insurance Liability InsuranceADDITIONAL INSUREDS No Charge $ 50.00
Flat charge per Additional Insured and Location
Number of Locations Amount of CreditMULTIPLE LOCATION 0 - 4 0
EXPENSE CREDIT 5 - 9 5%Over 9 10%
REPLACEMENT COST OPTIONS
AG ADVANTANGE
Rate: $0.20 per $1,000 of Company Assets
MISAPPLICATION OF HERBICIDE & PESTICIDES
MISDELIVERY OF LIQUID PRODUCT
DIRECTORS & OFFICERS NON - PROFIT
Minimum Premium $1,400 regardless of Retroactive Date
MIDWEST FAMILY MUTUAL AGOPT- 1 04/2011
Missouri ARTISAN CONTRACTORS
INDEX
Page No. -- A --
Accounts Receivable ART-16 Additional Insureds ART-6, 17 Application - Rating Worksheet ART-5, 10-10.1 Audits ART-5
-- B --
Basis for Premium ART-5 Binding Authority ART-4 Building and Contents Rates ART-15 Building Valuation ART-7 Business Personal Property Charges ART-15
-- C --
Care, Custody & Control ART-17 Certificates of Insurance ART-6 Computer Coverage & Rates ART-17 Contractors Advantage Endorsement ART-17 Contractors Equipment Coverage ART-18 Contractors NOC ART-7 Contractual Liability ART-17 Customers’ Goods Coverage ART-16 Cyber Liability ART-17
-- D --
Deductible Definition ART-5 Options - Building & Contents ART-16 Options - Liability ART-16
-- E --
Eligibility ART-4 Eligible Class Listing ART-11, 12 Employee Dishonesty ART-16 Experienced Employer Credit ART-17 Experience Rating ART-9
-- F --
Field Pricing ART-5 Financial Statements ART-7
MIDWEST FAMILY MUTUAL ART-1 07-2013
Missouri ARTISAN CONTRACTORS
Fire Legal Liability ART-17
-- G, H --
Hired Auto Liability ART- 8, 17
-- I --
Increase Coverage Endorsement ART-5 Introduction ART-4 IRPM ART-8 IRPM Documentation Worksheet ART-10.1
-- J, K, L --
Liability Rates ART-14 Loss Experience ART-7
-- M --
Management Experience ART-8 Medical Payments - Rates ART-14 Minimum Premium ART-6, 18 Money & Securities ART-16
-- N --
Non-owned Auto Liability ART-8, 17
-- O, P --
Perils Insured ART-6 Photographs ART-7 Property Valuations ART-4 Property Values & Liability Limits ART-4 Personal Property Rates ART-15 Protection Classes ART-13 Protective Device Credit ART-16
-- Q, R --
Replacement Cost ART-16
-- S --
Sewer Backup ART-17
MIDWEST FAMILY MUTUAL ART-2 07-2013
Missouri ARTISAN CONTRACTORS
-- T -- Territory ART-13 Tool Floater ART-18
-- U, V, W, X --
Valuable Papers ART-16 Voluntary Property Damage Liability ART-17 Wind/Hail Deductible ART-16 XCU Coverage ART-7 Rates ART-14
-- Y, Z --
MIDWEST FAMILY MUTUAL ART-3 07-2013
Missouri ARTISAN CONTRACTORS
A. INTRODUCTION Midwest Family Mutual’s Contractors Program provides Property and General Liability protection for small to medium-sized, well-managed businesses. B. ELIGIBILITY An eligible contractor risk: 1. Performs at least 50% of construction work, general contractors are not acceptable. 2. Has annual receipts less than or equal to $2,000,000. 3. Has an annual payroll less than $500,000 or no more than 20 employees. C. BINDING AUTHORITY Agents may bind property coverages up to $500,000 in any one protected fire division (protection class 1 through 8). Property in protection classes 9 and 10 and values that exceed $500,000 must be submitted to Underwriting for prior approval. All property (building, contents, and inland marine coverages) is included in the property definition. Agents may bind liability limits to $500,000 per occurrence/$1,000,000 aggregate. Contractors listed in our eligible class listing with at least one year of experience may be bound. All others, including the Contractors N.O.C. classification, should be submitted to Underwriting for approval. No certificates of insurance may be modified without prior approval. No cities or municipalities may be listed as additional insureds. All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and the appropriate down payment of premium. D. TOTAL PROPERTY VALUES AND LIABILITY LIMITS AVAILABLE Generally, Midwest Family will not write occupancies with total property values in excess of $4,000,000. This is not a binding limit but, rather, an indication of the focus of our program. Maximum agency binding limit is $500,000; refer all values in excess of this limit to Underwriting for consideration. Always consider an Umbrella policy. E. PROPERTY VALUATIONS Midwest Family offers two property valuation options: Actual Cash Value and Replacement Cost. The rates in our manual include Actual Cash Value. If Replacement Cost is elected, the insured will receive a 10% credit on building and contents rates. The Replacement Cost option will be considered for structures built within the last 40 years where evidence of updated facilities, such as heating, electrical,
MIDWEST FAMILY MUTUAL ART-4 07-2013
Missouri ARTISAN CONTRACTORS
plumbing, and roof are provided. For structures older than 20 years, written proof of professionally updated facilities should be provided. F. APPLICATION - RATING WORKSHEET Midwest Family accepts ACORD applications for all Commercial lines products. Applications should be signed and submitted with the Contractors questionnaire and the IRPM debit/credit worksheet when applicable. G. FIELD PRICING Midwest Family encourages you to use our manual and the Contractors rating worksheet to field price this product. If you need assistance, please contact our Underwriting staff. When requesting IRPM credits for superior risks, submit a completed worksheet with the application and contact underwriting for prior approval. H. BASIS FOR PREMIUM Property premiums are developed per $1,000 of property value. Liability premiums are developed per full and part-time employees. A full-time employee works more than 120 days in any calendar year. A part-time employee works 120 days or less in any calendar year. I. AUDITS All liability premiums are annual deposit premiums calculated using the estimated number of employees in the policy period. At policy expiration, an audit may be conducted and the premium adjusted based on actual numbers. J. DEDUCTIBLE The Contractors policy includes a $250 property and no liability deductible. Optional deductibles and corresponding credits for property and liability are available and displayed in our rate pages. Exception: All XCU exposures must carry a $250 liability deductible. For a complete listing of XCU exposure, see the Contractors eligible class listing. K. INCREASE COVERAGE ENDORSEMENT The Contractors policy provides an annual 8% increase in building and contents coverage limits. This option is included on all policies at no additional charge to insure that property values remain consistent with general inflation.
MIDWEST FAMILY MUTUAL ART-5 07-2013
Missouri ARTISAN CONTRACTORS
L. PERILS INSURED FOR PROPERTY The special Contractors policy provides coverage for risks of direct physical loss, no named peril option is available. Insureds who do not require theft coverage may exclude it and receive a 10% premium credit. M. MINIMUM PREMIUM
The Contractors policy premium is subject to the following minimums, including optional coverages, depending on the liability limit:
Liability Limit Minimum Premium $300,000 $425 $500,000 $475 $1,000,000 $525
A separate $50 minimum premium applies to Inland Marine Coverages endorsed to the Contractors Policy.
A separate $250 minimum premium applies to the Contractors’ and Builders Installation Floater endorsed to the Contractors Policy. N. ADDITIONAL INSUREDS
Additional Insureds for property will be added to the Contractors policy at noadditional charge. Additional Insureds for liability are discouraged and should be encouraged to purchase their own coverage. No cities or municipalities may be listed as additional insureds without prior approval. When it becomes necessary to add an additional insured for liability, the following pricing applies:
1. If the inclusion of an additional insured for liability creates no operations hazard, a charge of $50 per additional insured will be made. 2. If the inclusion of an additional insured for liability creates an operations hazard, the premium will be calculated as if the additional insured were the named insured. When possible, additional insured liability requests should be discouraged by issuance of a certificate of insurance. O. CERTIFICATES OF INSURANCE
A Certificate of Insurance provides evidence of inforce coverage. Certificates may not alter policy provisions or coverages unless the policy is properly endorsed prior to the certificates' issuance. If it is necessary to modify the provided coverage, agents should contact their underwriter prior to issuing the certificate for the appropriate approval. * Midwest Family does not require a copy of Certificates of Insurance when issued by an agent. * Requests for Additional Insureds, Waivers of Subro, and Non-contributory Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters. * Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
MIDWEST FAMILY MUTUAL ART-6 07-2013
Missouri ARTISAN CONTRACTORS
GENERAL UNDERWRITING
A. LOSS EXPERIENCE All policy applications must be submitted with prior loss history. Information printed on company stationery, or loss runs from prior carriers are acceptable documentation and provide Underwriting with a complete picture of the potential risk. If prior loss information is unavailable, the insured should sign a statement with respect to known losses from the previous five years. No IRPM credits will be given unless prior loss information is provided. B. FINANCIAL STATEMENTS Midwest Family does not require financial statements on all submissions. Agents should understand however, that Underwriting may randomly request financial information to increase their confidence in the quality of a submission. When requesting IRPM credits, agents are encouraged to submit financial information as evidence of a sound financial operation. C. BUILDING VALUATIONS Midwest Family’s Contractors program requires that all property be insured for the full value (100% ACV, RC). When requesting Actual Cash Value coverage (ACV), it is not necessary to submit a building cost estimator; however, when requesting Replacement Cost coverage, a building cost estimator should be submitted with the application D. PHOTOGRAPHS A photograph of each commercial property location to be insured must be included with the application. E. XCU COVERAGES
We will provide Explosion, Collapse, and Underground Property Damage coverage (XCU) for risks classified as eligible eligible class listing). The premium for this coverage is shown on our rate pages; a $250 property damage deductible must apply.
F. CONTRACTORS’ NOC
The Contractors’ NOC classification applies to risks that are similar to other eligible classes yet not defined in our eligible class listing. These risks cannot be bound and must be submitted to Underwriting for prior approval and appropriate rate group assignment.
MIDWEST FAMILY MUTUAL ART-7 07-2013
Missouri ARTISAN CONTRACTORS
G. MANAGEMENT EXPERIENCE
Midwest Family will consider Contractors coverage on any business where the existing ownership or management can demonstrate at least two years of previous management experience in the same or a related field. Though new ventures are not prohibited, they should not be bound and should be sent to Underwriting with full details for approval.
H. HIRED AND NON-OWNED AUTOMOBILE COVERAGE This coverage can only be endorsed to the policy when the insured has no owned automobile. If owned automobiles exist, the Hired and Non-owned coverage should be written with the carrier providing the vehicle’s liability and physical damage coverage. Complete driver information is required for all persons, including full name (first, middle, last), date of birth, and drivers license number. I. INDIVIDUAL RISK PREMIUM MODIFICATION The following modifications may be applied to recognize special characteristics of a risk that are not fully reflected in the rates. The total amount of credit or debit developed using the following table may not exceed 25%. The credit or debit developed is applied after all other rating procedures. Range of Modifications
Risk Variations Credit Debit
1. Care and condition of equipment and premises 10% to 10% 2. Classification variations 10% to 10% 3. Cooperation of owners or operators with
recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective equipment 10% to 10%
4. Damage and susceptibility 10% to 10% 5. Dispersion or concentration 5% to 5% 6. Employees: selection, training, supervision
and experience 5% to 5% 7. Location: accessibility, congestion and
exposures 10% to 10% 8. Miscellaneous protective features or hazards 10% to 10% 9. Protective devices not otherwise reflected in rates 10% to 10% 10. Storage practices and hazardous operations 10% to 10% 11. Superior or inferior structural features 10% to 10% 12. Past losses relative to the number of exposure
units and subsequent preventive measures 10% to 10%
IRPM credits can only be obtained from your underwriter. The IRPM Documentation Worksheet must be completed to document the special characteristics of the risk.
MIDWEST FAMILY MUTUAL ART-8 07-2013
Missouri ARTISAN CONTRACTORS
J. EXPERIENCE RATING
It is Midwest Family’s intent to award employers who exemplify good safety procedures and loss control as evidenced by the insured’s loss ratio. It is also our desire to encourage this behavior in our customers. To be eligible for this credit, the insured’s annual earned premium for coverages eligible must be at least $5,000.
Midwest Family will apply a credit to all of the insured’s commercial premiums (except Workers’ Compensation) according to the following table:
Loss Ratio Premium Credit 50% or more 0% 40-49.9% 5% 32-39.9% 10% 25-31.9% 15% 20-24.9% 20% less than 20 25%
This credit will be applied to the insured’s next annual premium and will apply to Commercial Property, Liability, Commercial Inland Marine, Commercial Umbrella, Motor Carrier and Commercial Auto coverage premiums. It does NOT apply to Worker’s Compensation.
The credit or debit will be applied to the total policy premium, prior to the IRPM factor.
MIDWEST FAMILY MUTUAL ART-9 05-2015
CONTRACTORS SUPPLEMENTAL ACORD APPLICATION/WORKSHEET Applicant’s Name _________________________________________________________________________________ SS#_________________Phone #__________________ Companion Policy #_________________________________ Rate Group: Liability _____ Property _____ Territory: _____ Deductible (Liability) ___$250___$500 ___$1000 Deductible (Prop.) ___$250 ___$500 ___$1,000 ___$3,000 ___$5,000 ___$10,000 Medical Pay: ___$1,000 ___$2,000 ___$3,000 ___$4,000 ___$5,000 Bldg Limit: ________ Contents Limit:_______ Building: _________X_________X________X________X__________X_______ = __________ (rate) (Sprk Factor) (RC Factor) (Ded.) (Limit) (IRPM) Contents: _________X_________X________X________X__________X________+_______X______ = __________ (rate) (Sprk Factor) (RC Factor) (Ded.) (Prot Device) (Limit) (Cnts Charge) (IRPM) TOTAL BUILDING AND CONTENTS PREMIUM = _______ Liability Limits: ___300,000/600,000 ___500,000/1,000,000 ___1,000,000/2,000,000 Full Time _____________+___________X___________X___________ = +__________ (Liability Prem.) (Inc Med Pay) (# employees) (Ded. Factor) (Per Employee) Part Time _____________+___________X___________X______________ = +__________ (Liability Prem.) (Inc Med Pay) (# employees) (Ded. Factor) Total # of Employees________ TOTAL LIABILITY PREMIUM = _______ OPTIONAL COVERAGES (list) ___XCU (if applicable) Full Time __________ X ___________ X __________ = ____________ ( Premium) (# employees) (IRPM) Part Time __________ X ___________ X __________ = ____________ ( Premium) (# employees) (IRPM) Type of coverage Amount IRPM Premium ___________________________________ ___________ X______ = $____________ ___________________________________ ___________ X______ = $____________ ___________________________________ ___________ X______ = $____________ ___________________________________ ___________ X______ = $____________ TOTAL OPTIONAL COVERAGES = ________ TOTAL PREMIUM = _______ Minimum Premium - $425 minimum for the $300,000 occurrence limit, $475 minimum for the $500,000 occurrence limit, and $525 minimum for the $1,000,000 occurrence limit.
UNDERWRITING INFORMATION - ALL QUESTIONS MUST BE ANSWERED 1. Years known by agent_______ 2. Is equipment rented, loaned or leased to others? If yes, describe_______________ ____Yes ___No A. Do you provide operators? B. Annual rental/lease receipts $_________ ____Yes ___No 3. Any out of state operations performed? ____Yes ___No 4. Any excavation operations? If yes, percentage of gross receipts.________% ____Yes ___No 5. Any roofing operations? If yes, percentage of gross receipts._______% ____Yes ___No 6. Describe operation to be insured - nature of business__________________________________________________________ 7. Do you hire subcontractors? ___Yes___No Are they under written contract? ____Yes___No 8. Describe the type of work subcontracted out?________________________________________________________________ 9. Do you hire yourself out as a sub? ___Yes___No Is there a written contract:? ____Yes___No 10. What % of your income is derived from subcontracting?___________% 11. What type of work do you perform as a subcontractor?________________________________________________________ 12. Does insured routinely check with utilities prior to digging?____________________________________________________
ART-10
13. What percentage of the digging is: A. Inside the city limits? B. Outside the city limits?____________________________ 14. What is the maximum depths the insured digs?_______________________________________________________________
Family Member Employed Name Age Relationship Job Duties _____________ ______ _________________ __________________ _____________ ______ _________________ __________________ _____________ ______ _________________ __________________ All employees including named insured by job classification: ARE: (EX: 3 Electricians, 2 Carpenters, etc.) 15. Applications Required?___________ A.____________________________________________________ 16. References Checked? ____________ B. ____________________________________________________ 17. Physical Exams Required?__________ C.____________________________________________________ 18. Minors Hired? (Under 18)__________ D.____________________________________________________ 19. Any employees on Social Security? 20. Where do employees report to work?______________ Is a foreman always on job site?_______________ 21. Do employees ever use their personal cars for business purposes?_________________________________________________ 22. Has the applicant ever experienced a fire loss in this business, any other business or at their place of residence? ___Yes___No 23. How often are bank accounts reconciled?______Are two signatures required on checks? ___Yes___No 24. Does someone other than those authorized to sign checks reconcile bank accounts? ___Yes___No 25. How frequently are physical inventories taken?____________________________________________________________________ 26. Frequency of audits:___________________ Conducted by:__________________________________________________________ 27. Has this business ever had a robbery? ___Yes___No 28. Does the time of deposits vary? ___Yes___No Is the route changed? ___Yes___No How conveyed? 29. How frequently are deposits made?_________ How much money is carried at one time?________________________________ 30. Distance to bank?_________ How much money is kept on premises overnight?_______________________________________
INDIVIDUAL RISK PREMIUM MODIFICATION DOCUMENTATION WORKSHEET (Briefly tell us what is extraordinary about the risk you are writing. Attach supplements if space provided is inadequate.) Care and Condition of Equipment and Premises________________________________________________________ ____________________________________________________________________________________________________ Classification_______________________________________________________________________________________ ____________________________________________________________________________________________________ Cooperation of owners or operators with recommendations with respect to structural features, segregation, & control of hazards and maintenance of protective equipment____________________________________________ ____________________________________________________________________________________________________ Damage and susceptibility___________________________________________________________________________ Dispersion or concentration__________________________________________________________________________ Employees: selection, training, supervision and experience______________________________________________ ____________________________________________________________________________________________________ Location: accessibility, congestion and exposures_______________________________________________________ ____________________________________________________________________________________________________ Miscellaneous protective features and 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 & subsequent preventive measures_______________________ ____________________________________________________________________________________________________
ART-10.1
MISSOURI
Liability Property XCU
6 2
4 5
6 4
3 2
3 2
5 2
3 2
4 2
4 1
4 5
4 1
5 1
4 5
5 1
To Be Determined
3 2
4 1
4 1
4 1
3 4
9 1 XCU
4 1
5 3
4 1
3 5
3 5
3 1
2 2
3 3
4 1
3 1
4 5
4 5
9 1 XCU
2 4 XCU
3 1
6 2 U
4 4
3 1
1 1
4 4
ELIGIBLE CLASSES
ARTISAN CONTRACTORS PROGRAM
Rate Groups
Land Graders
Landscape Gardeners
Laser Engraving/Screen Printing/Embroidery (Sign Painting/Lettering)
Laterals and Septic Tank Installers
Locksmiths
Garage or Overhead Installers - Wood
Glaziers
Grain Bin Erection
Gutter Installation
Home Builders (DO NOT BIND)
House Furnishings Installation - N.O.C.
Classification
Masons
Motor Carrier Operations
Musical Instrument Repair (electronic or nonelectronic)
Interior Decorators
Garage or Overhead Installers - Metal
Countertop Installation/Mfg
Doors, Window and Partition Installers - INTERIOR
Driveway, Parking Area, Yard or Sidewalk -
Drywall or Wallboard Hanging and Taping
Electric Work
Excavators
Fence Erection Contractors
Fiberglass - Insulation Workers
Floor Covering Installation, Service or Repair
Furniture and Fixtures Woodworking
Furniture - Upholstery
Contractors NOC (Do Not Bind) Refer to Underwriter
Refer to Underwriting
Air conditioning and Heating Systems and Equipment
Appliances and Accessories - Installation & Servicing
Awning - Installation, Service and Repair
Cabinet Makers and Installers
Cable TV, Satellite Dish - Installation
Carpentry - Framing
Carpentry - Interior
Ceiling or Wall Installation - Metal
Ceramic Installation - Marble, Terrazzo, Tile Work
Cleaners - Rug or Carpet
Cleaners - Window (max. 3 stories)
Cleaning Services - Residential or Office
Computers, Office Appliances or Office Machines - Repair or Service
Concrete Construction
MIDWEST FAMILY MUTUAL ART-11 05-2015
ARTISAN CONTRACTORS ELIGIBLE CLASSES (Cont.)
MISSOURI
Liability Property XCU
Rate Groups
Classification
3 1
4 1
5 2
6 4 U
4 1
4 5
5 1
4 5
3 2
3 5
3 1
6 4
5 1
4 1
Taxidermy
Wallpapering
Water Softening Equipment - Installation, Sales & Repair
Well Drillers - Water
Wood Floor Installation - Floor Covering
Plumbing
Pressure Cleaning/Washing - No Sandblasting
Professional Packers (not moving)
Siding, Window & Exterior Door Installers
Small Engine Repair
Swimming Pool Service - No Repair
Painting - Exterior (3 stories or less)
Painting - Interior
Plaster or Stucco Work - Interior or Exterior (DO NOT BIND)
MIDWEST FAMILY MUTUAL ART-12 05-2015
MISSOURI
Entire State
PROTECTION CLASSES
Protection Classes Protected - Building is located within 1,000 feet of a fire hydrant and is
1-8 within 5 road miles of a responding fire department.
Protection Class Partially Protected - Building is located more than 1,000 feet from a fire
9 hydrant but is within 5 road miles of a responding fire department.
Protection Class Unprotected - All Other
10
The Contractor's policy premium is subject to the following minimums, including
NOTE: optional coverages, depending on the liability limit: $425 minimum for the $300,000
occurrence limit, $475 minimum limit for the $500,000 occurrence limit, and $525
minimum for the $1,000,000 occurrence limit.
TERRITORY PAGE
County Territory
1
MIDWEST FAMILY MUTUAL ART-13 11-2011
MISSOURI - ENTIRE STATE LIMITS REFER
Agents may bind to Underwriter
Occurrence/ $ 300,000/ $ 500,000/ $1,000,000/
Rate Group Aggregate $ 600,000 $1,000,000 $2,000,000
(Charge Per Employee) (Limits Include $1,000 Med Pay) 1 Full time Employee 149 153 196
Part time Employee 50 56 65 2 Full time Employee 235 266 311
Part time Employee 78 88 103 3 Full time Employee 248 278 325
Part time Employee 82 92 108 4 Full time Employee 327 369 431
Part time Employee 108 122 141 5 Full time Employee 389 440 514
Part time Employee 128 145 170 6 Full time Employee 533 604 703
Part time Employee 177 199 234 7 Full time Employee 557 629 735
Part time Employee 184 208 244 8 Full time Employee 716 738 943
Part time Employee 240 268 314 9 Full time Employee 829 853 1089
Part time Employee 278 310 363 10 Full time Employee 976 1004 1284
Part time Employee 327 366 428
LIMITS REFER
Agents may bind to Underwriter
Occurrence/ $ 300,000/ $ 500,000/ $1,000,000
Classification Aggregate $ 600,000 $1,000,000 $2,000,000
(Charge Per Employee) (Limits Include $1,000 Med Pay)
Excavators Full time 607 704 795 Part time 202 234 265
Land Graders Full time 303 352 397 Part time 101 117 133
Landscape Full time 251 292 330Gardening Part time 84 97 110Plumbing Full time 48 54 62
Part time 16 18 21Septic Tank and Full time 48 54 62Lateral Installers Part time 16 18 21$250 Property Damage deductible must apply to any class carrying XCU exposure.
See Page ART-14 for deductible credit.
LIMIT $1,000 $2,000 $3,000 $4,000 $5000
Full time Incl. 2.36 3.55 4.73 6.21
Part time Incl. 1.19 1.77 2.36 3.01
XCU
CONTRACTORS
LIABILITY RATES
MED PAY INCREASED LIMITS(Charge Per Employee)
Note: Rounding may result in a $1 to $2 premium variance.
MIDWEST FAMILY MUTUAL ART-14 05-2015
MISSOURI - ENTIRE STATE
Non-Sprinklered $250 Deductible
Premiums developed by the following tables include coverages against "risk of direct physical loss".
Non-Combustible
Protection Coverage Frame Masonry Non-Combustible
Type Joisted Masonry Fire Resistive
Protected Building
Contents
Partially Building
Protected Contents
Unprotected Building
Contents
Rate Group 1 2 3 4 5 6
Flat Charge 87 98 111 129 179 228
THEFT EXCLUSION .50 times the Business Personal Property Charge
SPRINKLERED RATES .60 times all non-sprinklered rates
(Per $1000 of Insurance)
BASE BUILDING AND BUSINESS PERSONAL PROPERTY RATES
5.85
5.73
3.12
10.14
5.65
14.26
7.70
19.49
10.46
13.99
8.00
10.54
BUILDING AND CONTENTS RATES
BUSINESS PERSONAL PROPERTY CHARGES(Must be added to Base Premium)
Note: Rounding may result in a $1 to $2 premium variance.
CONTRACTORS
MIDWEST FAMILY MUTUAL ART-15 05-2015
ARTISAN CONTRACTORS OPTIONAL COVERAGES
Missouri
Entire State
All optional coverages are calculated by locationDEDUCTIBLE OPTIONS Deductible $500 $1000 $3000 $5000 $10,000
(Building and Contents) Factor .95 .91 .84 .80 .78
DEDUCTIBLE OPTIONS Deductible $250 $500 $1,000 $2,500
(Liability) Factor .98 .85 .77 .75
Factor is applied to property premiums, excluding equipment breakdown coverage
FULL REPLACEMENT COST Factor .90
Type Factor
PROTECTIVE DEVICES Watchman signals to Central Station/Police .75
CREDIT Watchman - other .95
Burglar Alarm System signals to Central Station .80
Burglar Alarm System - other .95
Limit Premium
$10,000 $34
ACCOUNTS $25,000 $39
RECEIVABLE $50,000 $43
$100,000 $56
Each Add'l $25,000 $26
Limit Premium
$5,000 $34
$10,000 $36
VALUABLE PAPERS $25,000 $39
$50,000 $43
$100,000 $56
Each Add'l $20,000 $16
Limit Premium
$10,000 $50
CUSTOMERS' $25,000 $75
GOODS $50,000 $110
$100,000 $190
Each Add'l $20,000 $15
Limit Premium
MONEY AND SECURITIES $1,000/$1,000 $80
COVERAGE $2,000/$2,000 $100
$5,000/$5,000 $120
Limit 0-5 Employees Each Employee Over 5
EMPLOYEE $5,000 $67 $6
DISHONESTY $10,000 $90 $9
$25,000 $138 $14
$50,000 $200 $19
WIND/HAIL DEDUCTIBLE
Deductible Option
Credit Factor
2% of building 3% of building 5% of building value value value
.95 .93 .90
MIDWEST FAMILY MUTUAL ART-16 03-2013
Missouri
COMPUTERS MICRO or MINI $1.50 Per $100 of Insurance - $250 Deductible
HIRED AND NON-OWNED Limit Premium AUTO LIABILITY $300,000 $50
Limits may be equal to Policy $500,000 $75
Liability Limits $1,000,000 $105 Refer to Underwriter
ADDITIONAL Property Insurance - No charge
INSUREDS Liability Insusrance- See Additional Insureds on Page ART-6
CONTRACTUAL
LIABILTY 5 % times the total Liability Premium
CARE, CUSTODY Premium
AND Limit Per Employee Deductible Minimum
CONTROL LIABILITY $ 5,000 $20 $250 $30
VOLUNTARY Premium
PROPERTY DAMAGE Limit Per Employee Deductible Minimum
LIABILITY $ 5,000 $20 $250 $30
Higher Limits Premium FIRE LEGAL $100,000 $20
LIABILITY $250,000 $75
$500,000 $150
$50,000 of coverage provided in base premium
SEWER BACKUP COVERAGE Limit Premium
(A minimum $250 policy $5,000 $50
deductible must apply) $15,000 $130
Includes $2000 - Computer Coverage, $2,000 - Tool Coverage (tools owned,
CONTRACTORS $89.00 rented, and employees tools at employers request), $5,000 Accounts
ADVANTAGE Flat Fee Receivable, $1,000 - Mobile Electronic Equipment, $2,000 - Contents
located at principal residence. Property coverage subject to a $250 ded.
$2,000 Medical Payments, Contractual Liability - Limit equal to policy
liability limit, and Additional $50,000 Fire Legal Liability.
A 15% credit will be applied to the liability portion of the policy premium
EXPERIENCED EMPLOYER when the number of full-time employees exceed 5 and the employer has at
CREDIT least 3 years of experience.
Revenue Option 2 Option 3
<$500,000 $377 $538
500,000-1,000,000 $603 $862
1,000,001-1,500,000 $905 $1,292
1,500,001-2,000,000 $1,206 $1,723
2,000,001-3,000,000 $1,718 $2,455
3,000,001-4,000,000 $2,142 $3,058
4,000,001-5,000,000 $2,403 $3,432
5,000,001-6,000,000 $2,742 $3,917
6,000,001-7,000,000 $3,082 $4,402
7,000,001-8,000,000 $3,420 $4,886
8,000,001-9,000,000 $3,760 $5,371
9,000,001-10,000,000 $4,098 $5,855
$646
$1,717
$862
NETGUARD PLUS TM
Cyber Liability
Required on all BOP policies
$65 for $50,000 Limit
Increased Limits
Option 1: $250,000
Option 2: $500,000
Option 3: $1,000,000
Option 1
$269
$431
$1,228
Increased Limit Options
$1,529
$1,958
$2,928
$2,202
$2,443
$2,686
MIDWEST FAMILY MUTUAL ART-17 03-2013
INLAND MARINE COVERAGESRates per $100 of Insurance
TOOL Deductible $100 $250 $500
FLOATER Rate 2.25 2.00 1.75
Tools valued over $500 must be scheduled.
CONTRACTORS Rates - $.65 to $3.00 per $100 of Insurance
EQUIPMENT Rates vary according to schedule, use, perils,
deductible etc. Call your Underwriter for a quote.
Missouri
MINIMUM PREMIUMS
The Contractor's policy premium is subject to the following minimums, including optional coverages, depending on the liability limit: $425 minimum for the $300,000 occurrence limit, $475
minimum limit for the $500,000 occurrence limit, and $525 minimum for the $1,000,000
occurrence limit.
NOTE: A separate $50 minimum applies to Inland Marine Coverages endorsed to the
Artisan Contractors Policy.
NOTE: A separate $250 minimum applies to the Contractors' and Builders Installation
Floater endorsed to the Artisan Contractors Policy.
NOTE: Rounding may result in a $1 to $2 premium variance
MIDWEST FAMILY MUTUAL ART-18 03-2013
MISSOURI
When insuring a Carpentry Contractor who builds homes occupied by 1 to 4 families,
we will add Form # ART 0001 (09/91) as optional coverage.
This form insures the contractor's homes while under construction and until sold, and the
insured's interest ceases. We also insure materials to become part of homes the insured
is building while in transit and while on the job site awaiting installation.
Agents may bind coverage if the limit per home is $150,000 or less and the occurrence
limit is $300,000 or less.
Our form covers "direct physical loss" to covered property unless the loss is caused by a
peril specifically excluded.
Deductible Rates per $100 of
Completed Value
$ 500 $ .20
$ 1,000 $ .17
$ 2,500 $ .15
$ 5,000 $ .12
A provisional premium will be charged based on a 100% estimate of the insured's annual
completed values. Actual premium will be determined after policy expiration by
multiplying the rate times the actual annual completed values.
Our special application must be used for this coverage. It is reproduced on the next
page for your convenience.
Our Minimum Premium is $250.00
Our limit "per building" will be the largest building the insured anticipates building.
Our limit "per occurrence" will be two times the "per building" limit.
APPLICATION
POLICY WRITING GUIDE FOR LIMITS
$ 250 $ .23
CONTRACTORS' AND BUILDERS INSTALLATION FLOATER
BINDING AUTHORITY
PERILS INSURED
RATES
MIDWEST FAMILY MUTUAL ART-19 03-2013
MISSOURI
Midwest Family Mutual Insurance Company
Contractors & Builders Floater Application
(1-4 Family Dwellings)
Producer Applicant's name and address Tax ID or SS#
Effective date:
Agency # Phone Number Policy Number
Maximum coverage per building $
Maximum coverage per occurrence $
(2 times bldg coverage)
Deductible: $
(per loss, per building)
Estimated annual completed value of all construction $
Rate (per $100) x
Deposit premium $
(Minimum premium $250)
1. Average value of home constructed in previous 12 months $
2. Average completion time per home
3. Number of years experience building homes
4. Amount of work completed by subcontractors %
5. Explain how material are delivered to various job sites
_____________________________________________________________________________________________
6. How many Homes completed by the insured are awaiting sale?
Oldest completion?
Coverage Carrier Date and Amount of Loss Cause and Description of Loss
7. Has the applicant ever experienced a fire loss in this business, any other business or
at their place of residence? ___ Yes ___ No
Insured's Signature Date Agent's Signature Date
UNDERWRITING
LOSS HISTORY
(Provide full details last 5 years)
MIDWEST FAMILY MUTUAL ART-20 03-2013
MIDWEST FAMILY MUTUAL GEN CONTRACTOR - 1 4-06
MIDWEST FAMILY MUTUAL GEN CONTRACTOR - 2 4-06
Missouri COMMERCIAL UMBRELLA
MIDWEST FAMILY MUTUAL CU-1 05/2011
INDEX
Page No. -- A, B, C --
Application CU-5 Binding Authority CU-4 Caution Hazard CU-5
-- D, E, F --
Forms List CU-2, 3 Experience Rating CU-10
-- G, H, I --
Introduction CU-4 IRPM CU-7, 8
-- J, K, L --
Limit Of Liability CU-4
-- M, N, O --
Minimum Premium CU-6, 7
-- P, Q, R --
Policy Term CU-5 Preferred/Non-Preferred Risks CU-7 Pricing Guide CU-5, 6
-- S --
Self-insured Retention CU-4
-- T, U --
Territory Definitions CU-6 Underlying Insurance Carrier CU-4 Underlying Requirements CU-4, 5
-- V, W, X – -- Y, Z –
Missouri COMMERCIAL UMBRELLA
MIDWEST FAMILY MUTUAL CU-2 05/2011
INDEX OF FORMS AND ENDORSEMENTS
Form Number
Edition Title
Basic Coverage Forms
CU 00 01 12-01 Commercial Liability Umbrella Coverage Form
Mandatory Endorsements
CU 24 16 09-00 Broad Form Products Coverage
CU 02 20 09-00 IA Changes – Cancel & Non-Renewal
CU 01 06 05-03 Minnesota Changes
CU 02 18 09-00 ND Changes – Cancel/Non-renewal
CU 02 08 09-00 NE Changes – Cancellation
CU 22 49 09-00 NE Garage Endorsement
CU 01 07 09-00 Wisconsin Changes
CU 31 14 01-10 Wisconsin Split Uninsured and Underinsured Motorists Coverage Limits
CU 31 23 01-10 Wisconsin Excess Uninsured Motorists Coverage
CU 31 24 01-10 Wisconsin Excess Underinsured Motorists Coverage
MFMIL001 11-09 Wisconsin Excess UM/UIM Coverage Offer/Rejection
Optional Endorsements
CU 21 12 09-00 Abuse or Molestation Exclusion
CU 21 13 09-00 Amendment of Liquor Liability Exclusion
CU 21 14 09-00 Amendment of Liquor Liability Exclusion Exception for Scheduled Activities
CU 24 14 09-00 Auto – Fellow Employee Coverage
CU 24 15 09-00 Auto – Fellow Employee Designated
CU 24 17 02-02 Auto – Individual Named Insured
CU 24 07 09-00 Boats
CU 24 20 09-00 Broadened BI Definition
CU 21 30 01-08 Cap on Losses from Certified Acts of Terrorism
CU 24 09 09-00 Contractual Liability – Railroads
CU 21 07 09-00 Contractual Liability Limitation
CU 22 19 09-00 Corporal Punishment
CU 04 00 09-00 Coverage for Injury to Leased Workers
CU 24 23 12-01 Coverage for Professional Service
CU 22 20 12-01 Druggists
CU 22 63 12-01 Druggists – Broadened Coverage
CU 02 04 09-00 Earlier Notice of Cancellation by Us
CU 04 02 02-02 Electronic Data Liability Endorsement
CU 22 25 09-00 Emergency vehicle – volunteer firefighters & work injuries excluded
CU 24 11 09-00 Erroneous/Seed Merchandise Exclusion Failure to Germinate
CU 24 10 09-00 Erroneous/Seed Merchandise Included Failure to Germinate
CU 21 37 11-02 Exception to Terrorism Exclusion
CU 21 00 09-00 Exclusion – All hazards in connection w/designated premises
CU 21 01 09-00 Exclusion – Athletic/Sports Participants
CU 22 00 09-00 Exclusion – BI to Railroad Passengers
CU 22 27 09-00 Exclusion - Certain Leased Autos
CU 21 33 01-08 Exclusion – Certified Acts of Terrorism
CU 21 34 12-02 Exclusion – Certified Acts of Terrorism and Nuclear, Biological or Chemical Acts of Terrorism
CU 21 35 12-02 Exclusion – Certified Acts of Terrorism and Other Acts of Terrorism
CU 22 02 09-00 Exclusion – Corporal Punishment
CU 22 64 12-01 Exclusion – Damage to Sub Work
CU 22 61 12-01 Exclusion – Damage to Sub Work Designation
CU 22 14 09-00 Exclusion – Described Hazards (Fairs, Carnivals)
CU 21 16 09-00 Exclusion – Designated Ongoing Operations
CU 21 17 09-00 Exclusion – Designated Ongoing Operations covered by wrap up program
CU 21 03 09-00 Exclusion – Designated Work
CU 21 05 09-00 Exclusion – Employees as Insureds
CU 22 22 09-00 Exclusion – Erroneous Deliver/Mix
CU 22 06 09-00 Exclusion – Exist or Maintenance of Roads
Missouri COMMERCIAL UMBRELLA
MIDWEST FAMILY MUTUAL CU-3 05/2011
INDEX OF FORMS AND ENDORSEMENTS
CU 21 10 09-00 Exclusion – Explosion/Collapse/Underground Prop Dam Hazard (Specific Exception)
CU 21 09 09-00 Exclusion – Explosion/Collapse/Underground Prop Dam Hazard (Specific exclusions)
CU 22 09 09-00 Exclusion – Failure to Supply
CU 22 04 09-00 Exclusion – Fiduciary/Rep List Financial Institution
CU 21 15 09-00 Exclusion – Financial Services
CU 22 05 12-01 Exclusion – Housing Project sites
CU 22 10 09-00 Exclusion – Laundry/Dry Clean Damage
CU 21 04 09-00 Exclusion - New Entities
CU 21 24 12-01 Exclusion – Non-Owned Aircraft
CU 21 06 09-00 Exclusion – Personal & Advertising Injury
CU 21 02 09-00 Exclusion – Prod/Completed Operations Hazard
CU 22 23 09-00 Exclusion – Property Damage to EDP
CU 22 01 09-00 Exclusion – Property Entrusted
CU 21 36 01-08 Exclusion - Punitive Damage Related to Certified Acts of Terrorism
CU 22 07 09-00 Exclusion – Railing Stock – Rail Construction
CU 22 03 09-00 Exclusion – Riot, Civil, Etc
CU 22 08 09-00 Exclusion – Saline Subs Contamination
CU 27 01 09-00 Exclusion – Specific Accident, Work, Location
CU 22 24 09-00 Exclusion - Telecommunications Equip/Service Provider E & O
CU 24 06 02-02 Fiduciary Interest
CU 24 04 09-00 Financial Institution Reporting Provision
CU 21 27 04-02 Fungi or Bacteria Exclusion
CU 22 31 02-02 Garage Endorsement
CU 22 28 12-01 Leasing or Rental Auto Concerns
CU 22 30 09-00 Leasing or Rental Auto Concerns Lessees Rentees Excluded
CU 22 29 09-00 Leasing or Rental Auto Schedule of Limits for Owned Autos
CU 24 19 12-01 Lessor Additional Insured & Loss Payee
CU 22 15 09-00 Limit of Coverage – Real Estate Operations
CU 21 11 09-00 Limitation of Coverage to Designated premises or project
CU 21 31 12-02 Limited Terrorism Exclusion
CU 01 10 09-00 MN Changes – Condominiums
CU 01 05 09-00 MN Changes – Townhouses
CU 22 37 12-01 Motor Carriers Endorsement
CU 21 23 02-02 Nuclear Energy Liability Exclusion
CU 21 32 12-02 Nuclear, Bio, Chemical Terrorism Exclusion
CU 22 18 09-00 Optical/Hearing Aid Established Coverage
CU 22 40 09-00 Policy Change Form
CU 24 05 09-00 Prod/Completed Operations Redefined
CU 22 33 09-00 Public Transportation Autos
CU 21 38 11-02 Removal of Terrorism Cap
CU 24 18 12-01 Repossessed Autos
CU 21 25 12-01 Total Pollution Exclusion Endorsement
CU 22 35 09-00 Truckers – Insured for Non-trucking
CU 22 36 12-01 Truckers – UIIE-1
CU 22 34 09-00 Truckers Endorsement
CU 22 38 12-01 Truckers Named Lessee as Insured
CU 22 16 12-01 Underground Resources & Equipment Hazard
CU 24 02 09-00 Waiver of Charitable Immunity
CU 24 08 09-00 Waiver of Government Immunity
CU 24 03 09-00 Waiver of Transfer of Rights Recovery
CU 00 02 12-02 War Liability Exclusion
CU 22 54 09-00 WI Garage Endorsement
CU 22 57 09-00 WI Garage Endorsement
CU 22 58 09-00 WI Motor Carrier Endorsement
CU 22 59 09-00 WI Truckers Endorsement
Missouri COMMERCIAL UMBRELLA
MIDWEST FAMILY MUTUAL CU-4 05/2011
A. INTRODUCTION
The Commercial Umbrella policy provides excess liability coverage to eligible Businessowner, Contractor, and Commercial Garage classes. To determine a prospect’s eligibility, refer to the eligible class listing in the appropriate section of this manual.
B. BINDING AUTHORITY
No policy may be bound by the agent without authorization from the company. Each application must be submitted to us and approved by us prior to binding coverage. After approval, all binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and the appropriate down payment of premium.
C. LIMIT OF LIABILITY The Umbrella policy limit of liability is $1,000,000. Other limits may be considered on a
case-by-case basis up to $5,000,000. D. SELF-INSURED RETENTION The Umbrella policy requires a $10,000 self-insured retention. E. UNDERLYING INSURANCE CARRIER
To issue a Commercial Umbrella policy, Midwest Family must provide the underlying general liability (Businessowners, Contractors or Garage), and Commercial Auto coverage. In states where Midwest Family does not provide Workers Compensation coverage, we will provide Umbrella coverage over another insurance company’s Employers Liability coverage. This carrier must have an A. M. Best’s rating of B+ or higher and a category size of V or larger.
F. UNDERLYING LIABILITY LIMIT REQUIREMENTS Coverage Required Limits -- Minimums Commercial Auto Liability $500,000 Combined Single Limit Businessowners Liability $500,000 Combined Single Limit $500,000 Aggregate Contractors General Liability $500,000 Combined Single Limit
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$500,000 Aggregate Garage Liability $500,000 Combined Single Limit $500,000 Aggregate Professional Liability $500,000 Occurrence $500,000 Aggregate Employers Liability $100,000 Each Accident $100,000 Each Employee Disease $500,000 Policy Limit
Uninsured and Underinsured Motorists coverage is NOT provided by our Umbrella. G. APPLICATION
Midwest Family accepts ACORD applications for all commercial lines products. This ACORD Umbrella application should be completed, signed and sent to our office immediately for review.
H. POLICY TERM
Commercial Umbrella policies are written for a one-year period. A renewal application form must be completed and signed prior to each subsequent renewal.
I. CAUTION HAZARDS Generally, the following hazards associated with an otherwise eligible risk are
INELIGIBLE. If you feel an exception should be made, submit full details in writing with a completed application to Underwriting.
Gun Sales Motels with Swimming Pools Equipment Rentals Athletic Equipment Sales Liquefied Petroleum Gas Exposures Insurance Sales Aviation Hazards J. PRICING GUIDE Agencies do not have field pricing authority. Underwriting must approve all Umbrella
policies prior to their presentation to the insured. The following is a guide to our Umbrella pricing for general information only:
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1. General Liability UNDERLYING LIABILITY LIMIT $500,000 $1,000,000 Percent of total unmodified BOP premium 13% 10% Percent of Contractor liability premium 42% 33% Percent of Subcontractor liability premium 20% 15% Percent of Garage liability premium 42% 28% (excluding Garagekeepers) 2. Auto Liability
Territories 1. Territory 1 – Minneapolis, St. Paul, Milwaukee, and Chicago 2. Territory 2 – All other
Rating Classes 1. Private passenger, light trucks, medium trucks 2. Heavy trucks, extra heavy trucks
The rating basis will be determined in each territory based on the predominance of vehicles. The rating class that comprises >50% of the insured’s vehicles, will determine the rate to be used for auto liability in that territory. (If equal, Class 2 rate will be used.)
Rates
Rates shown are percent of underlying auto premium.
UNDERLYING AUTO LIABILITY LIMIT $500,000 $1,000,000
Territory 1, Class 1 29% 17% Territory 1, Class 2 30% 30% Territory 2, Class 1 25% 15% Territory 2, Class 2 25% 25%
UM/UIM rates are per vehicle. $50 each $30 each 3. Total Premium
The calculated Businessowners, Contractors, or Garage Liability premiums are added to the calculated Automobile premiums to generate the total premium, subject to the minimums premiums below.
4. Premium Modification
Premiums may be modified to match the IRPM schedule used in the underlying coverage rating. Prior approval is required for IRPM credit.
5. Other Additional premium of $70 per $1 million layer is added if there is underlying Directors and Officers coverage.
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K. MINIMUM PREMIUMS
1. Preferred BOP (defined below) UNDERLYING LIABILITY LIMIT $500,000 $1,000,000
$1,000,000 $500 $425 $2,000,000 add 50% of 1st layer or minimum $400 $900 $825 $3,000,000 add 50% of 2nd layer or minimum $400 $1,300 $1,225 $4,000,000 add 50% of 3rd layer or minimum $400 $1,700 $1,625 $5,000,000 add 50% of 4th layer or minimum $400 $2,100 $2,025
2. Non-Preferred (defined below) UNDERLYING LIABILITY LIMIT $500,000 $1,000,000
$1,000,000 $650 $650 $2,000,000 add 50% of 1st layer or minimum $400 $1,050 $1,050 $3,000,000 add 50% of 2nd layer or minimum $400 $1,450 $1,450 $4,000,000 add 50% of 3rd layer or minimum $400 $1,850 $1,850 $5,000,000 add 50% of 4th layer or minimum $400 $2,250 $2,250
3. All Other UNDERLYING LIABILITY LIMIT $500,000 $1,000,000
$1,000,000 $850 $850 $2,000,000 add 50% of 1st layer or minimum $400 $1,250 $1,250 $3,000,000 add 50% of 2nd layer or minimum $400 $1,650 $1,650 $4,000,000 add 50% of 3rd layer or minimum $400 $2,050 $2,050 $5,000,000 add 50% of 4th layer or minimum $400 $2,450 $2,450
L. PREFERRED/NON-PREFERRED RISKS
1. Preferred BOP RiskUmbrellas written with underlying BOP policies are eligible for the Preferred BOPminimum premium if the risk satisfies the following criteria:a. Risk is classified as mercantile, apartment, or office operation;b. Annual receipts are less than $1,000,000;c. Apartments have 20 or fewer units;d. Buildings have 2 or fewer stories;e. Risk has 2 or fewer locations;f. Risk has no owned auto exposure.
2. Non-Preferred RiskUmbrellas written with underlying BOP or Artisan/Contractor policies are eligible forthe Non-Preferred minimum premium if the risk satisfies the following criteria:a. Risk has a fleet with fewer than 6 owned autos;b. Owned autos are private passenger, light truck, or medium truck;c. Annual receipts are less than $5,000,000.
M. I.R.P.M. CREDITS AND DEBITS
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The following IRPM debits and credits may be applied to particular risks with Underwriter approval. Following are the ranges and factors:
Debit/Credit Management +15 to - 15 Location +12 to - 12 Building Features +10 to - 10 Premises/Equipment +10 to - 10 Employees + 8 to - 8 Protection + 5 to - 5
No more than 40% credit or debit may be applied to any single risk. To receive this credit, form BOP 0021 (05-99) must be completely filled out by the producing agent and sent to our office with the application. The calculated credit/debit will be approved by the Underwriter and applied to the gross Businessowners premium. A sample of form BOP 0021 (05-99) can be found on page BOP-13. This form can be ordered from our supply department; however, we encourage
N. EXPERIENCE RATING
It is Midwest Family’s intent to award employers who exemplify good safety procedures and loss control as evidenced by the insured’s loss ratio. It is also our desire to encourage this behavior in our customers. To be eligible for this credit, the insured’s annual earned premium for coverages eligible must be at least $5,000.
Midwest Family will apply a credit to all of the insured’s commercial premiums (except Workers’ Compensation) according to the following table:
Loss Ratio Premium Credit 50% or more 0% 40-49.9% 5% 32-39.9% 10% 25-31.9% 15% 20-24.9% 20% less than 20 25%
This credit will be applied to the insured’s next annual premium and will apply to CommercialProperty, Liability, Commercial Crime, Inland Marine, Commercial Umbrella, and Commercial Auto coverage premiums. It does NOT apply to Worker’s Compensation.
The credit or debit will be applied to the total policy premium, prior to the IRPM factor.
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INDEX
Page No.
--A -- Application CA-3
-- B -- Binding Authority CA-3 Business Use Definitions CA-5
-- C --
Certificate Of Insurance CA-7Covered Auto Symbol CA-5
-- D -- Driver Information CA-6 Drive Other Car Coverage (IA, MN, NE, WI) CA-16 Drive Other Car Coverage (ND, SD) CA-15
-- E -- Eligible Driving Records CA-6 Eligibility CA-3 Experience Rating CA-7
-- F -- Field Pricing CA-4 Fleet Discount CA-8
-- G, H, I -- Hired Auto (IA, MN, NE, WI) CA-16
Hired Auto (ND, SD) CA-15 Ineligible Hazards CA-3 Introduction CA-3 IRPM CA-8
-- J, K, L, M -- Liability Rates Heavy Service Class (MN, WI) CA-14 Heavy Service Class (IA, NE, ND, SD) CA-13 Heavy Retail & Commercial Classes (IA, MN, NE, WI) CA-14 Heavy Retail & Commercial Classes (ND, SD) CA-13 Light & Medium Service Class (IA, MN, NE, ND, SD, WI) CA-13 Light & Medium Retail & Comm’l Classes (MN, ND, SD, WI) CA-13 Light & Medium Retail & Comm’l Classes (IA, NE) CA-14 Trailers (IA, MN, NE, WI) CA-15 Trailers (ND, SD) CA-14
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Loss Experience CA-7
-- N, O, P -- Non-Ownership Liability (IA, MN, NE, WI) CA-16 Non-Ownership Liability (ND, SD) CA-15 Physical Damage Rates Heavy Trucks – Service Class (IA, MN, NE, WI) CA-19-19a Heavy Trucks – Service Class (ND, SD) CA-18-18a Heavy Trucks – Retail & Commercial Classes (IA, MN, NE, WI) CA-20-20a Heavy Trucks – Retail & Commercial Classes (ND, SD) CA-19-19a Light & Medium Trucks – Service Class (IA, MN, NE, WI) CA-17-17a Light & Medium Trucks – Service Class (ND, SD) CA-16-16a Light & Medium Trucks – Retail & Comm’l Classes (IA, MN, NE, WI) CA-18-18a Light & Medium Trucks - Retail & Commercial Classes(ND, SD) CA-17-17a Trailers (IA, MN, NE, WI) CA-15-15a Trailers (ND, SD) CA-14-14a Private Passenger Rates (IA) CA-21 - CA-26 Private Passenger Rates (NE) CA-21 - CA-25 Private Passenger Rates (ND) CA-20 –CA-22 Private Passenger Rates (MN, WI) CA-21 –CA-24 Private Passenger Rates (SD) CA-20 –CA-23 Prior Experience CA-7
-- Q, R --
Rating Worksheet CA-11 - CA-12 Radius Definition CA-5
-- S, T --
Territory Definition CA-T-1 Truck Size & Definition CA-5
-- U, V -- Uninsured/Underinsured Motorists (IA, MN, NE) CA-16 Uninsured/Underinsured Motorists (ND, SD, WI) CA-15 Vehicle Classes CA-5
-- W, X, Y, Z --
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COMMERCIAL AUTOMOBILE A. INTRODUCTION
Midwest Family’s Commercial Auto Program provides liability and physical damage coverage for insureds operating commercial motor vehicles within a 200 mile radius. Radius is determined on a straight line basis from the point of principal garaging. The states into which we permit operations are Minnesota, Wisconsin, North Dakota and South Dakota. B. APPLICATION Midwest Family accepts ACORD applications for all commercial products. Applications should be completed, signed, and submitted with the Commercial Auto questionnaire and the IRPM worksheet (CA-0021 (01-97)) when necessary. C. BINDING AUTHORITY Agents may bind Bodily Injury limits up to $250,000 / $500,000 and Property Damage limits up to $100,000. The $500,000 Combined Single Limit should not be bound, and is used only for experienced drivers and underlying Umbrella requirements. Inexperienced customers should be submitted to Underwriting for approval. All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and the appropriate down payment of premium. D. ELIGIBLE CLASSES
Generally, we will write a Commercial Auto policy if we provide the insureds Property and Liability coverage. Refer to the eligibility listings in our Businessowner, Contractor, or Garage manual sections for eligible business classes. E. INELIGIBLE HAZARDS -- DO NOT BIND 1. Vehicles carrying passengers for a fee. 2. Mix in transit concrete. 3. Dumping operation vehicles, unless incidental to an otherwise eligible fleet. 4. Gravel hauling. 5. Vehicles garaged in states other than in Minnesota, Wisconsin, North Dakota and South Dakota. 6. Vehicles used in snow removal. 7. Haul for hire operations. 8. Vehicles involved with pizza delivery or any other retail food delivery.
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9. Vehicles carrying hazardous materials as defined by the U. S. Department of Transportation, Motor Carrier Act of 1980. Following is a condensed listing: a. Combustible Liquids -- not classified as flammable liquids (i.e. camphor oil, creosote, diesel fuel, fuel oil, kerosene). b. Corrosive Materials (i.e. alkaline battery fluid, phosphoric acid, sulfuric acid). c. Etiologic agents (substances which can cause human disease and which are specifically listed in regulations of the Department of Health, Education and Welfare). d. Explosives (i.e. ammunition, black powder, dynamite, fireworks, nitroglycerin). e. Flammable gasses (i.e. acetylene, butane, hydrogen, liquefied petroleum gas, propane). f. Flammable liquids (i.e. Chlordane, denatured alcohol, ethyl alcohol, gasoline, isopropyl acetate). g. Flammable solids (i.e. book matches, charcoal, lacquer base-dry, potassium sulfide, pyroxylin plastics). h. Irritating materials (i.e. tear gas, xylol bromide). i. Non-flammable gasses (i.e. anhydrous ammonia, helium, helium- oxygen mixture, neon, oxygen). J. Organic peroxides (i.e. acetyl benzoyl peroxide, benzoyl peroxide, lauroyl peroxide, succinic acid peroxide). k. Oxidizers (i.e. ammonium nitrate mixed fertilizer, lead nitrate, lead peroxide, zinc chlorate). l. Poison gasses (i.e. cyanogen, germane, phosgene). m. Poison liquids and solids -- includes pastes and semi-solids (i.e. aniline oil, arsenic, carbolic acid, disulfoton, ferrous arsenate, parathion). n. Radioactive materials (substances which spontaneously emit radiation capable of penetrating and damaging living tissue and undeveloped film). o. Other regulated materials (these are designated as ORM-A, ORM- B, ORM-C, ORM-D and ORM-E by the U. S. Department of Transportation). F. FIELD PRICING
Midwest Family encourages you to use our manual and the Commercial Auto rating worksheet to field price this product. If you need assistance, please contact our Underwriting staff. When requesting IRPM credits for superior risks, contact your underwriter for approval.
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G. VEHICLE CLASSES Only the classes and vehicle values displayed in the rate pages are eligible in the Commercial Auto program. Private passenger, light, medium, heavy, extra heavy, and tractor/trailer vehicles are all eligible. I. TRUCK SIZE AND DEFINITIONS Light have a gross vehicle weight (GVW) of 10,000 pounds or less. Medium have a GVW of 10,001 - 20,000 pounds. Heavy have a GVW of 20,001 - 45,000 pounds. Service or Utility Trailers have a load capacity of 2,000 pounds or less. J. COVERED AUTO SYMBOL
Our Commercial Auto policy is a standard I.S.O. Business Auto Policy. All vehicles under this plan will be issued with a covered auto symbol of 7 which provides coverage for specifically scheduled autos. Symbol 8, Hired auto, and Symbol 9, Non-owned auto, will be provided through insured request and Underwriting approval. Agents may bind symbols 7, 8, and 9, all other symbol classifications must be referred to Underwriting.
K. BUSINESS USE DEFINITIONS 1. Service use - vehicles used for transporting the insured’s personnel, tools, equipment, and incidental supplies to or from a job location. This classification is confined to automobiles principally parked at a job location during the work day or used to transport supervisory personnel between job sites. 2. Retail use - vehicles used to pick up and deliver property to an individual’s home. 3. Commercial use - automobiles used for transporting property other than those automobiles defined as service or retail. If a vehicle has more than one use, the highest classification should be used for rating. However, if at least 80% of the vehicles use is defined in a lower classification, that classification should be used for rating.
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L. RADIUS DEFINITION
1. Local - up to 75 miles. The automobile is not regularly operated beyond a 75 mile radius from the principally garaged location. 2. Intermediate - 76 to 200 miles. The automobile is operated within a radius of 75 to 200 miles from the principally garaged location.
3. Long-Distance - The automobile is operated more than 200 miles from
the principally garaged location. M. PRIVATE PASSENGER TYPES We will insure private passenger vehicles if owned and titled to the business or corporation. The Underwriting requirements of private passenger vehicles will be similar to those in our personal automobile plan. N. DRIVER INFORMATION We will obtain motor vehicle records for all drivers of insured vehicles. Name, date of birth and drivers license number for all potential full time and occasional drivers should be submitted with the application. O. ELIGIBLE DRIVING RECORDS Good driving records are important to the stability of our program. All potential drivers must have a current, valid and properly classified drivers license. Drivers with major violations such as, alcohol or drug related, reckless driving, careless driving, driving under revocation, failure to stop and report when involved in an accident, homicide-assault, or any felony arising out of use of a motor vehicle, will not be accepted in this program. All violations not described as above will be considered minor violations. An eligible insured can have up to two (2) minor violations in a three (3) year period. An eligible driver list can have no more minor violations than the total number of drivers times 50%. Example: staff of 10 drivers can have no more than five (5) minor violations in total (10 x 50% = 5). Accident history is an integral part of a good driving record and an indicator of future losses. Coverage may not be bound if an at-fault accident in excess of $750 has occurred in the past three years or if multiple losses, regardless of size or type, have occurred in the past three years. Midwest Family seeks to insure well-controlled auto exposures for businesses who are serious about the auto exposure. Pre-employment driving records should be checked and the maintenance of a good driving record must be a
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condition of continued employment. Only mature, well-trained and experienced individuals should be allowed to operate insured vehicles. P. CERTIFICATES OF INSURANCE
A Certificate of Insurance provides evidence of inforce coverage. Certificates may not alter policy provisions or coverages unless the policy is properly endorsed prior to the certificates' issuance. If it is necessary to modify the provided coverage, agents should contact their underwriter prior to issuing the certificate for the appropriate approval. * Midwest Family does not require a copy of Certificates of Insurance when issued by an agent. * Requests for Additional Insureds, Waivers of Subro, and Non-contributory Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters. * Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
Q. PRIOR EXPERIENCE OF INSURED The Commercial Auto program is designed for experienced drivers. If the insured has less than two years of experience, the application and full details should be submitted to Underwriting for approval. R. PRIOR LOSS EXPERIENCE All policy applications must be submitted with prior loss history. Information printed on prior carrier stationery, or loss runs from prior carriers, are acceptable documentation and provide Underwriting a complete picture of the potential risk. No IRPM credits will be given unless prior loss information is provided. At a minimum, the insured should sign a statement about known losses in the previous five years. S. EXPERIENCE RATING
Midwest Family’s experience rating program applies to new and renewal business. To obtain a premium modification on new business, prior carrier loss runs printed on company stationery must be submitted with the application. The experience credit or debit will be determined in accordance with the schedule printed below by applying the average annual incurred losses of all vehicles during the experience period. Such experience shall consist of: 1. The first nine months of the expiring policy year, or if the previous experience data is available;
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2. The first nine months of the expiring policy year and the first previous year, or; 3. The first nine months of the expiring policy year and the first and second previous years, or; 4. If a new policy with the company, the prior 2 policy years experience ending with the previous policy’s cancellation date. Loss Ratio Credit Debit 0% to 10% (inclusive) 20% 11% to 20% (inclusive) 15% 21% to 30% (inclusive) 10% 31% to 40% (inclusive) 5% 41% to 60% (inclusive) 0% 61% to 70% (inclusive) 10% Over 70% 20% The credit or debit will be applied to the total policy premium, prior to the fleet discount and the IRPM factor. T. FLEET DISCOUNT The premium will be modified by applying the following schedule of credits with respect to the number of units on the risk: Number of Automobiles Credit 0 to 3 0.0% 4 to 7 6.0% 8 to 10 8.5% 11 to 14 11.0% 15 to 24 13.5% 25 to 34 18.5% 35 or more 26.0% Fleet credits are applied to the calculated premium before the IRPM and after the application of all other factors and credits. U. INDIVIDUAL RISK PREMIUM MODIFICATIONS The following modifications may be applied to recognize special characteristics of the risk that are not fully reflected in the rates. The total amount of credit or debit developed using the following table may not exceed 25%. The calculated credit or debit is applied after all other rating procedures.
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Schedule Rating Table Range of Modifications Credit Debit 1. Management Cooperation with insurance company, revision of schedules, routes and practices to conform with company recommendations. 10% to 10% 2. Employees Selection, training, supervision, age, basis of remuneration. 9% to 9% 3. Equipment Type, condition, servicing, risk’s own repair facilities, safety equipment, drivers report on condition of equipment. 8% to 8% 4. Safety Organizations Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers. 8% to 8% IRPM credits can only be obtained from Underwriting. Form CA 0021 (01-97) must be completed and included with the application. V. AGE GROUP DEFINITIONS Age groups are determined as follows: Age Group and Code All Autos of the: 1 Current model year 2 First preceding model year 3 Second preceding model year 4 Third preceding model year 5 Fourth preceding model year 6 All other autos The current model year changes October 1, regardless of the actual date the models are introduced. For rebuilt or structurally altered automobiles, the age of the chassis should be used to determine the vehicle age.
COMMERCIAL AUTOMOBILE
RATING WORKSHEET
Policy Specifications
Territory ______
Liability Limits
Bodily Injury $____________/_______ Property Damage $__________,000
UM/UIM $____________/_______ PIP $___________/___________
Trucks
Descriptions
Radius of Operation_______ miles
#1 Model Yr: 19 Make: Cost New: $ G.V.W.: lbs Use: Serv. Retail Comm.
#2 Model Yr: 19 Make: Cost New: $ G.V.W.: lbs Use: Serv. Retail Comm.
#3 Model Yr: 19 Make: Cost New: $ G.V.W.: lbs Use: Serv. Retail Comm.
Rating
#1 X = $ _________
Bodily Injury (B.I. & P.D. base rate) (Trailer or Hearse Factor)
& #2 X = $ _________
Property Damage (B.I. & P.D. base rate) (Trailer or Hearse Factor)
#3 X = $ _________
(B.I. & P.D. base rate) (Trailer or Hearse Factor)
TOTAL B.I. & P.D. = $
#1 + X = $ __________
Personal Injury (Basic P.I.P or Med Pay b. r.) (Additional P.I.P.) (Trailer or Hearse Factor)
Protection(PIP) #2 + X = $ __________
or Medical (Basic P.I.P or Med Pay b. r.) (Additional P.I.P.) (Trailer or Hearse Factor)
Payments #3 + X = $ __________
(Basic P.I.P or Med Pay b. r.) (Additional P.I.P.) (Trailer or Hearse Factor)
TOTAL PIP or MED PAY = $
#1 + X = $__________
Uninsured ( UM or UM/UIM combined) (UIM base rate - MN) (Trailer or Hearse Factor)
& Underinsured #2 + X = $__________
Motorists (UM or UM/UIM combined) (UIM base rate - MN) (Trailer or Hearse Factor)
(UM & UIM) #3 + X = $__________
(UM or UM/UIM combined) (UIM base rate - MN) (Trailer or Hearse Factor)
TOTAL UM and UIM = $
#1 ($ ded) X = $ _________
(Comp. base rate) (Hearse Factor)
Comprehensive #2 ($ ded) X = $ _________
(Comp) (Comp base rate) (Hearse Factor)
#3 ($ ded) X = $ _________
(Comp. base rate) (Hearse Factor)
TOTAL COMPREHENSIVE = $
#1 ($ ded) X X = $ __________
(Collision base rate) (Hearse Factor) (Dumping = 1.50)
Collision #2 ($ ded) X X = $ __________
(Collision base rate) (Hearse Factor) (Dumping = 1.50)
#3 ($ ded) X X = $___________
(Collision base rate) (Hearse Factor) (Dumping = 1.50)
TOTAL COLLISION = $
Miscellaneous + + = Total Misc. Cov'gs $
Coverages (Hired Automobile) (Non-Ownership) (Drive Other Car)
TOTAL TRUCK PREMIUM = $
(all items above)
CA0021 (5/11)
MIDWEST FAMILY MUTUAL CA-11 5-11
Private Passenger Types
Descriptions
#1 Model Yr: 19_____ Make:_____________ Cost New: $___________
#2 Model Yr: 19_____ Make:_____________ Cost New: $___________
#3 Model Yr: 19_____ Make:_____________ Cost New: $___________
Class Factors
Primary Factor:______________ + Secondary Factor:_________ = ___________
Rating
#1_______________X_____________X________________ = ___________
Bodily Injury (B.I. & P.D. base rate) (Class Factor) (Funeral Car Factor)
& #2_______________X_____________X________________ = ___________
Property Damage (B.I. & P.D. base rate) (Class Factor) (Funeral Car Factor)
#3_______________X_____________X________________ = ___________
(B.I. & P.D. base rate) (Class Factor) (Funeral Car Factor)
TOTAL B.I. & P.D. = $
#1_______________X_____________X________________ = ___________
Personal Injury (Basic PIP or Med Pay b.r.) (Class Factor) (Funeral Car Factor)
Protection (PIP) #2_______________X_____________X________________ = ___________
or Medical (Basic PIP or Med Pay b.r.) (Class Factor) (Funeral Car Factor)
Payments #3_______________X_____________X________________ = ___________
(Basic PIP or Med Pay b.r.) (Class Factor) (Funeral Car Factor)
TOTAL PIP or MED PAY = $
#1__________________+______________X______________ = ___________
Uninsured (UM or UM/UIM combined) (UIM base rate - MN) (Funeral Car Factor)
& Underinsured #2__________________+______________X______________ = ___________
Motorists (UM or UM/UIM combined) (UIM base rate - MN) (Funeral Car Factor)
(UM & UIM) #3__________________+______________X______________ = ___________
(UM orUM/UIM combined) (UIM base rate - MN) (Funeral Car Factor)
TOTAL UM and UIM = $
#1($____ded)____________X___________X_____________ = ___________
(Comp base rate) (Class Factor) (Funeral Car Factor)
Comprehensive #2($____ded)____________X___________X_____________ = ___________
(Comp) (Comp base rate) (Class Factor) (Funeral Car Factor)
#3($____ded)____________X___________X_____________ = ___________
(Comp base rate) (Class Factor) (Funeral Car Factor)
TOTAL COMPREHENSIVE = $
#1($____ded)____________X___________X_____________ = ___________
(Collision base rate) (Class Factor) (Funeral Car Factor)
Collision #2($____ded)____________X___________X_____________ = ___________
(Collision base rate) (Class Factor) (Funeral Car Factor)
#3($____ded)____________X___________X_____________ = ___________
(Collision base rate) (Class Factor) (Funeral Car Factor)
TOTAL COLLISION = $
Total Private Passenger Auto Type Premium = $
(add all items above)
PLUS: Total Truck Premium = $
(from front page)
EQUALS: Total Gross Premium = $
TIMES: Experience Credit/Debit X
Fleet Discount X
I.R.P.M. Credit/Debit X
TOTAL NET PREMIUM = $
MIDWEST FAMILY MUTUAL CA-12 5-11
MISSOURI
Territory ClassLocal Inter Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
102 Lt & Med 474 519 547 599 666 730 689 755 678 742 755 827 851 932
Heavy 481 665 562 776 685 947 709 978 697 963 774 1069 832 1149
Ex. Heavy 1228 2046 1416 2360 1703 2839 1763 2938 1733 2888 1911 3185 2386 3977
104 Lt & Med 320 351 370 405 451 494 466 511 459 502 511 559 576 631
Heavy 326 450 380 525 464 641 479 662 472 651 524 723 563 777
Ex. Heavy 831 1385 958 1597 1152 1921 1193 1988 1173 1954 1293 2155 1615 2691
105 Lt & Med 262 287 302 331 369 404 381 418 375 411 418 457 471 516
Heavy 266 368 311 429 379 524 392 541 386 532 428 591 460 635
Ex Heavy 679 1132 783 1305 942 1570 975 1625 959 1598 1057 1762 1320 2200
106 Lt & Med 319 350 369 404 449 492 465 509 457 501 509 558 574 629
Heavy 325 448 379 524 462 638 478 660 470 649 522 721 561 775
Ex Heavy 828 1380 955 1592 1149 1914 1189 1981 1169 1948 1289 2148 1609 2682
108 Lt & Med 320 351 370 405 451 494 466 511 459 502 511 559 576 631
Heavy 326 450 380 525 464 641 479 662 472 651 524 723 563 777
Ex Heavy 831 1385 958 1597 1152 1921 1193 1988 1173 1954 1293 2155 1615 2691
109 Lt & Med 283 310 327 358 398 436 412 451 405 443 451 494 508 557
Heavy 287 397 336 464 409 565 423 584 416 575 462 638 497 686
Ex Heavy 733 1222 846 1409 1017 1695 1053 1754 1035 1725 1141 1902 1425 2375
110 Lt & Med 297 326 343 376 418 458 433 474 426 466 474 519 534 585
Heavy 302 417 353 488 430 594 445 614 438 604 486 671 522 721
Ex Heavy 771 1285 889 1482 1070 1783 1107 1845 1088 1814 1200 2000 1499 2498
112 Lt & Med 496 543 572 627 697 764 721 790 709 777 790 865 891 975
Heavy 504 696 588 812 717 991 741 1024 729 1007 810 1119 870 1202
Ex Heavy 1285 2141 1482 2470 1782 2970 1844 3074 1813 3022 2000 3333 2497 4162
NOTE: Rounding may result in a $1 to $2 variance in premium. Note: Long-Distance Radius Rate add 20% to Intermediate Radius Rate.
Commercial Automobile Liability Premiums
Service Class
500 CSL50/100/50 100/300/100 300/300/100 300 CSL250/500/100 1000 CSL
MIDWEST FAMILY MUTUAL CA-13 9-2012
MISSOURI
Territory Class
Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
102 Lt & Med 677 744 781 859 952 1047 985 1083 968 1065 1078 1186 1216 1337
Heavy 802 963 937 1124 1142 1371 1181 1417 1162 1394 1290 1548 1386 1664
Ex Heavy 1228 2046 1416 2360 1703 2839 1763 2938 1733 2888 1911 3185 2386 3977
Trailers 101 112 117 129 143 157 148 162 145 160 162 178 182 201104 Lt & Med 458 504 529 581 644 708 666 733 655 721 730 803 823 905
Heavy 543 651 634 761 773 928 799 959 786 943 873 1047 938 1126Ex Heavy 831 1385 958 1597 1152 1921 1193 1988 1173 1954 1293 2155 1615 2691
Trailers 69 76 79 87 97 106 100 110 98 108 109 120 123 136
105 Lt & Med 374 412 432 475 526 579 545 599 536 589 596 656 673 740
Ex Heavy 679 1132 783 1305 942 1570 975 1625 959 1598 1057 1762 1320 2200
Trailers 56 62 65 71 79 87 82 90 80 88 89 98 101 111
106 Lt & Med 456 502 527 580 642 706 664 731 653 718 727 800 820 902
Ex Heavy 828 1380 955 1592 1149 1914 1189 1981 1169 1948 1289 2148 1609 2682
Trailers 68 75 79 87 96 106 100 110 98 108 109 120 123 135
108 Lt & Med 458 504 529 581 644 708 666 733 655 721 730 803 823 905
Ex Heavy 831 1385 958 1597 1152 1921 1193 1988 1173 1954 1293 2155 1615 2691
Trailers 69 76 79 87 97 106 100 110 98 108 109 120 123 136
109 Lt & Med 404 445 467 513 568 625 588 647 578 636 644 708 726 799
Ex Heavy 733 1222 846 1409 1017 1695 1053 1754 1035 1725 1141 1902 1425 2375
Trailers 61 67 70 77 85 94 88 97 87 95 97 106 109 120
110 Lt & Med 425 467 491 540 598 657 618 680 608 669 677 745 763 840
Ex Heavy 771 1285 889 1482 1070 1783 1107 1845 1088 1814 1200 2000 1499 2498
Trailers 64 70 74 81 90 99 93 102 91 100 102 112 115 126
112 Lt & Med 708 779 817 899 996 1095 1030 1133 1013 1114 1128 1241 1272 1399
Ex Heavy 1285 2141 1482 2470 1782 2970 1844 3074 1813 3022 2000 3333 2497 4162
Trailers 106 117 123 135 149 164 155 170 152 167 169 186 191 210NOTE: Rounding may result in a $1 to $2 variance in premium.
Note: Long-Distance Radius Rate add 20% to Intermediate Radius Rate.
250/500/100 300 CSL50/100/50 100/300/100 300/300/100
Commercial Automobile Liability Premiums
Retail & Commercial Classes
500 CSL 1000 CSL
MIDWEST FAMILY MUTUAL CA-14 9-2012
MISSOURI
Territory Class
Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
116 Lt & Med 259 283 299 327 364 399 376 412 370 405 412 452 465 509
Heavy 263 363 307 424 374 517 387 534 381 526 423 584 454 627
Ex. Heavy 671 1118 773 1289 930 1550 963 1605 947 1578 1044 1740 1303 2172
Trailers 39 43 45 49 55 60 56 62 56 61 62 68 70 76
117 Lt & Med 189 207 218 239 266 291 275 301 270 296 301 330 339 372
Ex. Heavy 490 816 565 941 679 1132 703 1172 691 1152 762 1271 952 1586
Trailers 28 31 33 36 40 44 41 45 41 44 45 49 51 56
125 Lt & Med 312 342 360 395 439 481 454 497 446 489 497 545 561 614
Ex Heavy 809 1348 933 1555 1122 1870 1161 1935 1141 1902 1259 2098 1572 2620
Trailers 47 51 54 59 66 72 68 75 67 73 75 82 84 92
126 Lt & Med 353 387 408 447 497 544 514 563 506 554 563 617 635 695
Ex Heavy 916 1526 1056 1760 1270 2117 1315 2191 1292 2154 1425 2376 1780 2967
Trailers 53 58 61 67 75 82 77 84 76 83 84 92 95 104
127 Lt & Med 262 287 302 331 368 403 381 417 374 410 417 457 470 515
Ex Heavy 678 1131 782 1304 941 1568 974 1623 957 1596 1056 1760 1319 2198
Trailers 39 43 45 50 55 60 57 63 56 62 63 69 71 77
128 Lt & Med 256 280 295 323 359 394 372 407 366 400 407 446 459 503
Ex Heavy 662 1104 764 1273 919 1531 951 1585 935 1558 1031 1718 1287 2146
Trailers 38 42 44 48 54 59 56 61 55 60 61 67 69 75
129 Lt & Med 205 225 237 260 289 316 299 327 294 322 327 358 369 404
Ex Heavy 532 887 614 1023 738 1230 764 1273 751 1252 828 1380 1034 1724
Trailers 31 34 36 39 43 47 45 49 44 48 49 54 55 61
131 Lt & Med 477 522 550 603 670 734 694 760 682 747 759 832 856 938
Ex Heavy 1235 2059 1425 2375 1714 2856 1774 2956 1744 2906 1923 3205 2401 4002
Trailers 71 78 83 90 101 110 104 114 102 112 114 125 128 141
NOTE: Rounding may result in a $1 to $2 variance in premium.
Note: Long-Distance Radius Rate add 20% to Intermediate Radius Rate.
300 CSL 1000 CSL
Commercial Automobile Liability Premiums
Service Class
500 CSL50/100/50 100/300/100 300/300/100 250/500/100
MIDWEST FAMILY MUTUAL CA-15 9-2012
MISSOURI
Territory Class
Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
116 Lt & Med 370 407 427 469 520 572 538 592 529 582 589 648 664 730
Heavy 438 526 512 614 624 749 645 774 635 761 705 846 757 909
Ex Heavy 671 1118 773 1289 930 1550 963 1605 947 1578 1044 1740 1303 2172
Trailers 55 61 64 70 78 86 81 89 79 87 88 97 100 110
117 Lt & Med 270 297 312 343 380 418 393 432 386 425 430 473 485 533
Ex Heavy 490 816 565 941 679 1132 703 1172 691 1152 762 1271 952 1586
Trailers 40 45 47 51 57 63 59 65 58 64 65 71 73 80
125 Lt & Med 446 490 515 566 627 690 649 714 638 702 710 781 801 881
Ex Heavy 809 1348 933 1555 1122 1870 1161 1935 1141 1902 1259 2098 1572 2620
Trailers 67 74 77 85 94 103 97 107 96 105 107 117 120 132126 Lt & Med 505 555 583 641 710 781 734 808 722 794 804 885 907 997
Ex Heavy 916 1526 1056 1760 1270 2117 1315 2191 1292 2154 1425 2376 1780 2967
Trailers 76 83 87 96 106 117 110 121 108 119 121 133 136 150
127 Lt & Med 374 411 432 475 526 578 544 599 535 588 596 655 672 739
Ex Heavy 678 1131 782 1304 941 1568 974 1623 957 1596 1056 1760 1319 2198
Trailers 56 62 65 71 79 87 82 90 80 88 89 98 101 111
128 Lt & Med 365 402 421 464 513 565 531 584 522 575 582 640 656 721
Ex Heavy 662 1104 764 1273 919 1531 951 1585 935 1558 1031 1718 1287 2146
Trailers 55 60 63 70 77 85 80 88 78 86 87 96 98 108
129 Lt & Med 293 323 339 372 412 454 427 469 420 462 467 514 527 580
Ex Heavy 532 887 614 1023 738 1230 764 1273 751 1252 828 1380 1034 1724
Trailers 44 48 51 56 62 68 64 70 63 69 70 77 79 87
131 Lt & Med 681 749 786 865 958 1053 991 1090 974 1072 1085 1193 1223 1346
Ex Heavy 1235 2059 1425 2375 1714 2856 1774 2956 1744 2906 1923 3205 2401 4002
Trailers 102 112 118 130 144 158 149 163 146 161 163 179 183 202
NOTE: Rounding may result in a $1 to $2 variance in premium.
Note: Long-Distance Radius Rate add 20% to Intermediate Radius Rate.
50/100/50 100/300/100 300/300/100 250/500/100 300 CSL 500 CSL 1000 CSL
Commercial Automobile Liability Premiums
Retail & Commercial Classes
MIDWEST FAMILY MUTUAL CA-16 9-2012
MISSOURI
Territory Class
Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
132 Lt & Med 340 372 392 430 478 524 495 542 486 533 542 593 611 669
Heavy 345 477 403 557 492 679 509 702 500 691 555 767 597 824
Ex. Heavy 881 1469 1016 1694 1222 2037 1265 2108 1244 2073 1372 2286 1713 2854
Trailers 51 56 59 64 72 79 74 81 73 80 81 89 92 100
133 Lt & Med 301 330 348 381 423 464 438 480 431 472 480 525 541 592
Ex. Heavy 780 1301 900 1500 1083 1804 1120 1867 1101 1836 1215 2025 1517 2528
Trailers 45 49 52 57 64 70 66 72 65 71 72 79 81 89
134 Lt & Med 398 436 460 503 560 613 579 635 570 624 635 695 715 784
Ex Heavy 1032 1720 1190 1984 1432 2386 1482 2470 1457 2428 1607 2678 2006 3344
Trailers 60 65 69 76 84 92 87 95 85 94 95 104 107 118
135 Lt & Med 424 464 489 536 596 653 617 675 606 664 675 740 761 834
Ex Heavy 1099 1831 1267 2112 1524 2540 1577 2628 1550 2584 1710 2850 2135 3559
Trailers 64 70 73 80 89 98 93 101 91 100 101 111 114 125
136 Lt & Med 416 456 481 527 586 642 606 664 596 653 664 727 748 820
Ex Heavy 1080 1799 1245 2075 1498 2496 1550 2583 1524 2539 1680 2801 2098 3497
Trailers 62 68 72 79 88 96 91 100 89 98 100 109 112 123137 Lt & Med 284 311 328 359 399 438 413 453 406 445 453 496 510 559
Ex Heavy 736 1227 849 1415 1021 1702 1057 1762 1039 1732 1146 1910 1431 2385
Trailers 43 47 49 54 60 66 62 68 61 67 68 74 77 84
138 Lt & Med 257 282 297 326 362 397 375 410 368 404 410 449 463 507
Ex Heavy 668 1113 770 1283 926 1543 958 1597 942 1570 1039 1732 1297 2162
Trailers 39 42 45 49 54 59 56 62 55 61 62 67 69 76
NOTE: Rounding may result in a $1 to $2 variance in premium.
Note: Long-Distance Radius Rate add 20% to Intermediate Radius Rate.
500 CSL
Commercial Automobile Liability Premiums
Service Class
50/100/50 100/300/100 300/300/100 250/500/100 300 CSL 1000 CSL
MIDWEST FAMILY MUTUAL CA-17 9-2012
MISSOURI
Territory Class
Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
132 Lt & Med 486 534 561 617 683 751 707 777 695 764 774 851 873 960
Heavy 576 691 672 807 820 984 848 1017 834 1000 926 1111 995 1194
Ex Heavy 881 1469 1016 1694 1222 2037 1265 2108 1244 2073 1372 2286 1713 2854
Trailers 73 80 84 93 102 113 106 117 104 115 116 128 131 144
133 Lt & Med 430 473 497 546 605 665 626 689 615 677 685 754 773 850
Ex Heavy 780 1301 900 1500 1083 1804 1120 1867 1101 1836 1215 2025 1517 2528
Trailers 65 71 74 82 91 100 94 103 92 102 103 113 116 128
134 Lt & Med 569 626 657 722 800 880 828 911 814 895 906 997 1022 1124
Ex Heavy 1032 1720 1190 1984 1432 2386 1482 2470 1457 2428 1607 2678 2006 3344
Trailers 85 94 99 108 120 132 124 137 122 134 136 150 153 169
135 Lt & Med 605 666 699 769 852 937 881 969 866 953 965 1061 1088 1197
Ex Heavy 1099 1831 1267 2112 1524 2540 1577 2628 1550 2584 1710 2850 2135 3559
Trailers 91 100 105 115 128 141 132 145 130 143 145 159 163 179
136 Lt & Med 595 654 687 756 837 920 866 952 851 936 948 1043 1069 1176
Ex Heavy 1080 1799 1245 2075 1498 2496 1550 2583 1524 2539 1680 2801 2098 3497
Trailers 89 98 103 113 126 138 130 143 128 140 142 156 160 176
137 Lt & Med 406 446 468 515 571 628 590 650 581 639 647 711 729 802
Ex Heavy 736 1227 849 1415 1021 1702 1057 1762 1039 1732 1146 1910 1431 2385
Trailers 61 67 70 77 86 94 89 97 87 96 97 107 109 120
138 Lt & Med 368 405 425 467 517 569 535 589 526 579 586 645 661 727
Ex Heavy 668 1113 770 1283 926 1543 958 1597 942 1570 1039 1732 1297 2162
Trailers 55 61 64 70 78 85 80 88 79 87 88 97 99 109
NOTE: Rounding may result in a $1 to $2 variance in premium.
Note: Long-Distance Radius Rate add 20% to Intermediate Radius Rate.
Commercial Automobile Liability Premiums
Retail & Commercial Classes
50/100/50 100/300/100 300/300/100 250/500/100 300 CSL 500 CSL 1000 CSL
MIDWEST FAMILY MUTUAL CA-18 9-2012
Territory $1,000 $2,000 $5,000
All 21 29 42
Physical Damage: Rate as a truck using Age, Original Cost New, Gross Trailer Weight, Use and Radius.
NOTE: Rounding may result in a $1 to $2 variance in premium.
MISSOURI
Commercial Automobile Rates
Liability Premiums
ALL TRUCKS
MEDICAL PAYMENTS
Limit
TRAILERS
Liability: .25 times the rates if local radius, or .30 times the rates if intermediate radius; of the vehicle to which the
trailer is most often attached.
MIDWEST FAMILY MUTUAL CA-15 9-2012
Limit
Coverage UM UIM UM UIM UM UIM UM UIM UM UIM UM UIM UM UIM
Individual or
Married Couple 20 9 26 16 26 40 32 45 30 42 35 50 41 62
All Others 16 9 21 16 24 40 27 45 25 42 29 50 34 62
Limit: 50/100/50 100/300/100 300/300/100 250/500/100 $300,000 CSL $500,000 CSL $1M CSL
Minimum Premium* 50 61 64 68 67 71 94
*Contact your Underwriter for risks higher than Minimum Exposures.
Limit: 500/100/500 100/300/100 300/300/100 250/500/100 $300,000 CSL $500,000 CSL $1M CSL
0-25 Employees* 17 21 22 23 23 24 32
*Contact your Underwriter for risks higher than Minimum Exposures.
Limit: 50/100/50 100/300/100 300/300/100 250/500/100 $300,000 CSL $500,000 CSL $1M CSL
Premium Per Person 19 23 24 26 26 27 36
**Provided for Private Passenger Vehicles Only.
*HIRED AUTO PHYSICAL DAMAGE: $61 CHARGE PER VEHICLE FOR ALL LIMITS
NOTE: Rounding may result in a $1 to $2 variance in premium.
NON-OWNERSHIP LIABILITY
DRIVE OTHER CAR COVERAGE**
Missouri
Commercial Automobile Rates
Liability Premiums
ALL TRUCKS
HIRED AUTO
UNINSURED / UNDERINSURED MOTORISTS
50/100/50 100/300/100 300/300/100 250/500/100 300 CSL 500 CSL 1 M CSL
MIDWEST FAMILY MUTUAL CA-16 9-2012
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 22 24 18 20 13 14 61 67 51 57 41 45
$0 - 4 18 20 15 17 11 12 49 54 41 45 33 36
4,500 5 16 18 13 15 10 11 43 47 36 40 29 32
6 14 15 12 13 8 9 36 40 31 34 25 27
1,2,3 33 36 29 32 24 26 79 87 70 77 59 66
4,501 - 4 27 30 24 27 20 22 63 70 56 62 47 52
6,000 5 24 27 21 24 18 19 55 61 49 54 42 46
6 21 23 18 20 15 17 47 52 42 46 36 39
1,2,3 41 45 37 41 32 36 97 108 88 97 78 86
6,001 - 4 34 38 31 35 27 30 78 86 70 78 62 69
8,000 5 30 33 27 30 24 26 68 75 61 68 54 60
6 26 29 24 26 20 22 58 65 53 58 47 51
1,2,3 55 60 51 57 46 51 116 128 106 117 96 106
8,001 - 4 46 51 43 47 38 42 92 102 85 94 77 85
10,000 5 40 44 38 42 34 37 81 89 74 82 67 74
6 35 38 32 36 29 32 69 77 64 70 57 64
1,2,3 73 80 69 76 64 71 146 161 136 151 126 139
10,001 - 4 61 67 58 64 53 59 117 129 109 121 101 112
15,000 5 53 59 51 56 47 52 102 113 96 106 88 98
6 46 51 44 48 40 45 88 97 82 91 76 84
1,2,3 101 112 98 108 93 102 201 222 191 211 181 200
15,001 - 4 85 94 82 90 77 85 161 177 153 169 145 160
20,000 5 75 82 72 79 68 75 140 155 134 148 127 140
6 64 71 62 68 59 65 120 133 115 127 109 120
1,2,3 130 143 126 140 121 134 240 266 231 255 220 244
20,001 - 4 108 120 105 116 101 112 192 212 185 204 176 195
25,000 5 95 105 93 103 89 98 168 186 162 179 154 171
6 82 91 80 88 77 85 144 159 138 153 132 146
1,2,3 188 207 184 203 179 198 334 370 325 359 315 348
25,001 - 4 157 173 154 170 149 165 268 296 260 287 252 278
40,000 5 138 152 135 149 131 145 234 259 227 251 220 243
6 119 131 116 129 113 125 201 222 195 216 189 209
1,2,3 200 221 196 217 191 211 468 518 459 507 449 496
40,001 - 4 167 184 164 181 159 176 375 414 367 406 359 397
65,000 5 147 162 144 159 140 155 328 362 321 355 314 347
6 126 140 124 137 121 133 281 311 275 304 269 297
1,2,3 221 244 217 240 212 234 517 571 507 561 497 549
65,001 - 4 184 204 181 200 177 196 414 457 406 449 398 440
90,000 5 162 179 160 176 156 172 362 400 355 393 348 385
6 140 154 137 152 134 148 310 343 304 337 298 330
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
Comprehensive Collision
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 26 31 22 26 16 19 74 86 62 73 50 58
$0 - 4 22 26 18 22 13 15 59 69 50 58 40 47
4,500 5 19 23 16 19 12 14 52 60 43 51 35 41
6 17 20 14 16 10 12 44 52 37 44 30 35
1,2,3 40 46 35 41 29 34 96 112 84 99 72 84
4,501 - 4 33 39 29 35 24 28 77 90 67 79 57 67
6,000 5 29 34 26 30 21 25 67 79 59 69 50 59
6 25 29 22 26 18 22 57 67 51 59 43 51
1,2,3 50 58 45 53 39 46 118 138 106 125 94 110
6,001 - 4 41 49 38 44 32 38 94 111 85 100 75 88
8,000 5 36 43 33 39 29 34 82 97 74 87 66 77
6 31 37 29 34 25 29 71 83 64 75 56 66
1,2,3 66 78 62 73 56 65 140 164 128 151 116 136
8,001 - 4 55 65 52 61 46 55 112 131 103 121 93 109
10,000 5 49 57 46 53 41 48 98 115 90 106 81 95
6 42 49 39 46 35 41 84 99 77 90 70 82
1,2,3 88 103 84 98 77 91 177 207 165 194 153 179
10,001 - 4 74 86 70 82 65 76 141 166 132 155 122 143
15,000 5 65 76 62 72 57 67 124 145 116 136 107 126
6 56 65 53 62 49 58 106 124 99 116 92 108
1,2,3 123 144 118 139 112 132 243 285 231 272 219 257
15,001 - 4 102 120 99 116 94 110 194 228 185 217 175 206
20,000 5 90 106 87 102 82 97 170 200 162 190 153 180
6 78 91 75 88 71 83 146 171 139 163 131 154
1,2,3 157 184 153 179 146 172 291 341 279 328 267 313
20,001 - 4 131 154 128 150 122 144 233 273 223 262 213 251
25,000 5 115 136 112 132 108 126 204 239 196 230 187 219
6 99 117 97 114 93 109 174 205 168 197 160 188
1,2,3 227 267 223 262 216 254 405 475 393 462 381 447
25,001 - 4 190 223 186 218 181 212 324 380 315 369 305 358
40,000 5 167 196 164 192 159 187 283 333 275 323 267 313
6 144 169 141 166 137 161 243 285 236 277 229 268
1,2,3 242 284 237 278 231 271 567 665 555 652 543 637
40,001 - 4 202 237 198 233 193 226 453 532 444 522 434 510
65,000 5 178 208 174 205 170 199 397 466 389 456 380 446
6 153 179 143 176 146 172 340 399 333 391 326 382
1,2,3 267 314 263 309 257 301 626 735 614 721 602 706
65,001 - 4 223 262 220 258 214 251 501 588 491 577 481 565
90,000 5 196 231 193 227 189 221 438 514 430 505 421 495
6 169 199 166 195 162 191 375 441 369 433 361 424
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
Comprehensive Collision
MISSOURI
COMMERCIAL AUTOMOBILE RATES
HEAVY TRUCKS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 17 20 14 16 10 12 48 54 41 46 32 37
$0 - 4 14 16 12 14 9 10 38 44 32 37 26 29
4,500 5 13 14 11 12 8 9 34 38 28 32 23 26
6 11 12 9 10 7 7 29 33 24 28 19 22
1,2,3 26 29 23 26 19 21 62 71 55 62 47 53
4,501 - 4 22 24 19 22 16 18 50 57 44 50 37 42
6,000 5 19 22 17 19 14 16 44 50 38 44 33 37
6 16 19 15 17 12 14 37 42 33 37 28 32
1,2,3 32 37 30 33 25 29 77 87 69 79 61 69
6,001 - 4 27 31 25 28 21 24 61 70 55 63 49 56
8,000 5 24 27 22 25 19 21 54 61 49 55 43 49
6 20 23 19 21 16 18 46 52 42 47 37 42
1,2,3 43 49 40 46 36 41 91 103 84 95 76 86
8,001 - 4 36 41 34 38 30 34 73 83 67 76 60 69
10,000 5 32 36 30 34 27 30 64 72 59 66 53 60
6 27 31 26 29 23 26 55 62 50 57 45 51
1,2,3 57 65 55 62 51 57 115 131 108 122 100 113
10,001 - 4 48 54 46 52 42 48 92 104 86 98 80 90
15,000 5 42 48 40 46 37 42 81 91 75 85 70 79
6 36 41 35 39 32 36 69 78 65 73 60 68
1,2,3 80 91 77 88 73 83 158 180 151 171 143 162
15,001 - 4 67 76 64 73 61 69 127 144 121 137 114 130
20,000 5 59 67 57 64 54 61 111 126 106 120 100 113
6 51 57 49 55 46 52 95 108 91 103 86 97
1,2,3 102 116 100 113 96 108 190 215 182 206 174 197
20,001 - 4 86 97 83 94 80 90 152 172 146 165 139 158
25,000 5 75 85 73 83 70 80 133 150 128 145 122 138
6 65 73 63 71 60 69 114 129 109 124 104 118
1,2,3 148 168 145 165 141 160 264 299 257 291 248 282
25,001 - 4 124 140 121 137 118 134 211 239 205 233 199 225
40,000 5 109 123 107 121 104 118 185 209 180 204 174 197
6 94 106 92 104 89 101 158 180 154 174 149 169
1,2,3 158 179 155 175 151 171 370 419 362 410 354 401
40,001 - 4 132 149 129 146 126 142 296 335 290 328 283 321
65,000 5 116 131 114 129 111 125 259 293 254 287 248 281
6 100 113 98 111 95 108 222 251 217 246 212 241
1,2,3 174 197 171 194 167 190 408 463 401 454 392 445
65,001 - 4 146 165 143 162 140 158 326 370 320 363 314 356
90,000 5 128 145 126 143 123 139 286 324 280 318 275 311
6 110 125 109 123 106 120 245 278 240 272 235 267
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
Comprehensive Collision
PHYSICAL DAMAGE PREMIUMS
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
HEAVY TRUCKS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Inter
1,2,3 25 30 21 25 15 18 70 83 59 70 48 56
$0 - 4 21 25 18 21 13 15 56 67 48 56 38 45
4,500 5 19 22 16 18 11 13 49 58 42 49 33 39
6 16 19 13 16 10 11 42 50 36 42 29 34
1,2,3 38 45 34 40 28 33 92 108 81 95 69 81
4,501 - 4 32 37 28 33 23 27 73 87 64 76 55 65
6,000 5 28 33 25 29 20 24 64 76 56 67 48 57
6 24 28 21 25 18 21 55 65 48 57 41 49
1,2,3 47 56 43 51 37 44 113 133 102 120 90 106
6,001 - 4 40 47 36 43 31 37 90 107 81 96 72 85
8,000 5 35 41 32 38 27 32 79 93 71 84 63 74
6 30 35 27 32 24 28 68 80 61 72 54 64
1,2,3 63 75 59 70 53 63 134 158 123 145 111 131
8,001 - 4 53 63 49 58 44 52 107 126 98 116 89 105
10,000 5 47 55 44 51 39 46 94 111 86 102 78 92
6 40 47 38 44 34 40 80 95 74 87 67 79
1,2,3 84 100 80 95 74 88 169 200 158 187 146 173
10,001 - 4 70 83 67 79 62 73 135 160 126 149 117 138
15,000 5 62 73 59 70 54 64 118 140 111 131 102 121
6 53 63 51 60 47 55 101 120 95 112 88 104
1,2,3 117 139 113 134 107 127 232 275 221 262 209 248
15,001 - 4 98 116 95 112 90 106 186 220 177 209 168 198
20,000 5 86 102 83 98 79 93 163 192 155 183 147 173
6 74 88 72 85 68 80 139 165 133 157 126 149
1,2,3 150 178 146 173 140 166 278 329 267 316 255 302
20,001 - 4 125 148 122 144 117 138 223 263 214 253 204 241
25,000 5 110 131 107 127 103 122 195 230 187 221 179 211
6 95 112 93 109 89 105 167 197 160 189 153 181
1,2,3 217 257 213 252 207 245 387 458 376 445 364 431
25,001 - 4 181 214 178 210 173 204 310 366 301 356 292 345
40,000 5 160 189 157 185 152 180 271 320 263 311 255 301
6 137 162 135 159 131 155 232 275 226 267 219 258
1,2,3 231 273 227 268 221 261 542 641 531 628 519 614
40,001 - 4 193 228 189 224 184 218 434 513 425 502 415 491
65,000 5 170 201 167 197 162 192 380 449 372 439 364 430
6 146 173 144 170 140 165 325 384 319 377 312 368
1,2,3 256 302 251 297 245 290 599 707 588 694 576 680
65,001 - 4 213 252 210 248 205 242 479 566 470 556 461 544
90,000 5 188 222 185 218 180 213 419 495 411 486 403 476
6 162 191 159 188 155 184 359 424 353 417 345 408
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
Comprehensive Collision
MISSOURI
COMMERCIAL AUTOMOBILE RATES
EXTRA HEAVY TRUCKS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 29 33 24 28 17 20 68 78 54 63 80 93
$0 - 4 24 28 20 23 14 17 54 63 43 50 64 74
4,500 5 21 25 18 21 13 15 47 55 38 44 56 65
6 18 21 15 18 11 13 41 47 32 38 48 56
1,2,3 43 50 38 45 31 37 92 106 78 91 104 121
4,501 - 4 36 42 32 37 26 30 73 85 62 72 83 97
6,000 5 32 37 28 33 23 27 64 74 55 63 73 84
6 27 32 24 28 20 23 55 64 47 54 62 72
1,2,3 54 62 49 57 42 49 116 134 102 118 128 149
6,001 - 4 45 52 41 48 35 41 92 107 82 95 102 119
8,000 5 40 46 36 42 31 36 81 94 71 83 90 104
6 34 40 31 36 27 31 69 80 61 71 77 89
1,2,3 72 84 67 78 60 70 140 162 126 146 152 176
8,001 - 4 60 70 56 65 50 59 112 130 101 117 122 141
10,000 5 53 61 49 57 44 52 98 113 88 102 106 123
6 46 53 43 49 38 44 84 97 76 88 91 106
1,2,3 96 111 91 106 84 98 180 208 166 193 192 223
10,001 - 4 80 93 76 88 70 82 144 167 133 154 154 178
15,000 5 70 82 67 78 62 72 126 146 116 135 134 156
6 61 70 58 67 53 62 108 125 100 116 115 134
1,2,3 133 155 129 149 122 141 252 292 238 276 264 306
15,001 - 4 111 129 107 125 102 118 201 233 190 221 211 245
20,000 5 98 114 95 110 90 104 176 204 167 193 185 214
6 84 98 81 95 77 89 151 175 143 166 158 184
1,2,3 171 198 166 193 159 185 304 352 290 336 316 367
20,001 - 4 143 165 139 161 133 154 243 282 232 269 253 293
25,000 5 126 146 122 142 117 136 213 247 203 236 221 257
6 108 125 105 122 101 117 182 211 174 202 190 220
1,2,3 247 286 242 281 235 273 428 496 414 480 440 511
25,001 - 4 206 239 202 235 196 228 342 397 331 384 352 408
40,000 5 181 210 178 206 173 201 299 347 290 336 308 357
6 156 181 153 178 149 173 257 298 248 288 264 306
1,2,3 263 305 258 299 251 291 604 700 590 685 616 715
40,001 - 4 219 254 215 250 210 243 483 560 472 548 493 572
65,000 5 193 224 190 220 184 214 423 490 413 479 431 500
6 166 193 163 189 159 184 362 420 354 411 370 429
1,2,3 290 337 286 331 279 323 668 775 654 759 680 789
65,001 - 4 243 281 239 277 233 270 534 620 523 607 544 631
90,000 5 213 248 210 244 205 238 467 542 458 531 476 552
6 184 213 181 210 177 205 401 465 392 455 408 473
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$50 Ded $100 Ded $250 Ded $250 Ded $500 Ded $100 Ded
Comprehensive Collision
PHYSICAL DAMAGE PREMIUMS
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
EXTRA HEAVY TRUCKS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 29 33 24 28 17 20 80 93 68 78 54 63
$0 - 4 24 28 20 23 14 17 64 74 54 63 43 50
4,500 5 21 25 18 21 13 15 56 65 47 55 38 44
6 18 21 15 18 11 13 48 56 41 47 32 38
1,2,3 43 50 38 45 31 37 104 121 92 106 78 91
4,501 - 4 36 42 32 37 26 30 83 97 73 85 62 72
6,000 5 32 37 28 33 23 27 73 84 64 74 55 63
6 27 32 24 28 20 23 62 72 55 64 47 54
1,2,3 54 62 49 57 42 49 128 149 116 134 102 118
6,001 - 4 45 52 41 48 35 41 102 119 92 107 82 95
8,000 5 40 46 36 42 31 36 90 104 81 94 71 83
6 34 40 31 36 27 31 77 89 69 80 61 71
1,2,3 72 84 67 78 60 70 152 176 140 162 126 146
8,001 - 4 60 70 56 65 50 59 122 141 112 130 101 117
10,000 5 53 61 49 57 44 52 106 123 98 113 88 102
6 46 53 43 49 38 44 91 106 84 97 76 88
1,2,3 96 111 91 106 84 98 192 223 180 208 166 193
10,001 - 4 80 93 76 88 70 82 154 178 144 167 133 154
15,000 5 70 82 67 78 62 72 134 156 126 146 116 135
6 61 70 58 67 53 62 115 134 108 125 100 116
1,2,3 133 155 129 149 122 141 264 306 252 292 238 276
15,001 - 4 111 129 107 125 102 118 211 245 201 233 190 221
20,000 5 98 114 95 110 90 104 185 214 176 204 167 193
6 84 98 81 95 77 89 158 184 151 175 143 166
1,2,3 171 198 166 193 159 185 316 367 304 352 290 336
20,001 - 4 143 165 139 161 133 154 253 293 243 282 232 269
25,000 5 126 146 122 142 117 136 221 257 213 247 203 236
6 108 125 105 122 101 117 190 220 182 211 174 202
1,2,3 247 286 242 281 235 273 440 511 428 496 414 511
25,001 - 4 206 239 202 235 196 228 352 408 342 397 331 408
40,000 5 181 210 178 206 173 201 308 357 299 347 290 357
6 156 181 153 178 149 173 264 306 257 298 248 306
1,2,3 263 305 258 299 251 291 616 715 604 700 590 685
40,001 - 4 219 254 215 250 210 243 493 572 483 560 472 548
65,000 5 193 224 190 220 184 214 431 500 423 490 413 479
6 166 193 163 189 159 184 370 429 362 420 354 411
1,2,3 290 337 286 331 279 323 680 789 668 775 654 759
65,001 - 4 243 281 239 277 233 270 544 631 534 620 523 607
90,000 5 213 248 210 244 205 238 476 552 467 542 458 531
6 184 213 181 210 177 205 408 473 401 465 392 455
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
Comprehensive Collision
COMMERCIAL AUTOMOBILE RATES
TRAILERS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 22 24 18 20 13 14 61 67 51 57 41 45
$0 - 4 18 20 15 17 11 12 49 54 41 45 33 36
4,500 5 16 18 13 15 10 11 43 47 36 40 29 32
6 14 15 12 13 8 9 36 40 31 34 25 27
1,2,3 33 36 29 32 24 26 79 87 70 77 59 66
4,501 - 4 27 30 24 27 20 22 63 70 56 62 47 52
6,000 5 24 27 21 24 18 19 55 61 49 54 42 46
6 21 23 18 20 15 17 47 52 42 46 36 39
1,2,3 41 45 37 41 32 36 97 108 88 97 78 86
6,001 - 4 34 38 31 35 27 30 78 86 70 78 62 69
8,000 5 30 33 27 30 24 26 68 75 61 68 54 60
6 26 29 24 26 20 22 58 65 53 58 47 51
1,2,3 55 60 51 57 46 51 116 128 106 117 96 106
8,001 - 4 46 51 43 47 38 42 92 102 85 94 77 85
10,000 5 40 44 38 42 34 37 81 89 74 82 67 74
6 35 38 32 36 29 32 69 77 64 70 57 64
1,2,3 73 80 69 76 64 71 146 161 136 151 126 139
10,001 - 4 61 67 58 64 53 59 117 129 109 121 101 112
15,000 5 53 59 51 56 47 52 102 113 96 106 88 98
6 46 51 44 48 40 45 88 97 82 91 76 84
1,2,3 101 112 98 108 93 102 201 222 191 211 181 200
15,001 - 4 85 94 82 90 77 85 161 177 153 169 145 160
20,000 5 75 82 72 79 68 75 140 155 134 148 127 140
6 64 71 62 68 59 65 120 133 115 127 109 120
1,2,3 130 143 126 140 121 134 240 266 231 255 220 244
20,001 - 4 108 120 105 116 101 112 192 212 185 204 176 195
25,000 5 95 105 93 103 89 98 168 186 162 179 154 171
6 82 91 80 88 77 85 144 159 138 153 132 146
1,2,3 188 207 184 203 179 198 334 370 325 359 315 348
25,001 - 4 157 173 154 170 149 165 268 296 260 287 252 278
40,000 5 138 152 135 149 131 145 234 259 227 251 220 243
6 119 131 116 129 113 125 201 222 195 216 189 209
1,2,3 200 221 196 217 191 211 468 518 459 507 449 496
40,001 - 4 167 184 164 181 159 176 375 414 367 406 359 397
65,000 5 147 162 144 159 140 155 328 362 321 355 314 347
6 126 140 124 137 121 133 281 311 275 304 269 297
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50 For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
Comprehensive Collision
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
PHYSICAL DAMAGE PREMIUMS
PHYSICAL DAMAGE PREMIUMS
TRAILERS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 26 31 22 26 16 19 74 86 62 73 50 58
$0 - 4 22 26 18 22 13 15 59 69 50 58 40 47
4,500 5 19 23 16 19 12 14 52 60 43 51 35 41
6 17 20 14 16 10 12 44 52 37 44 30 35
1,2,3 40 46 35 41 29 34 96 112 84 99 72 84
4,501 - 4 33 39 29 35 24 28 77 90 67 79 57 67
6,000 5 29 34 26 30 21 25 67 79 59 69 50 59
6 25 29 22 26 18 22 57 67 51 59 43 51
1,2,3 50 58 45 53 39 46 118 138 106 125 94 110
6,001 - 4 41 49 38 44 32 38 94 111 85 100 75 88
8,000 5 36 43 33 39 29 34 82 97 74 87 66 77
6 31 37 29 34 25 29 71 83 64 75 56 66
1,2,3 66 78 62 73 56 65 140 164 128 151 116 136
8,001 - 4 55 65 52 61 46 55 112 131 103 121 93 109
10,000 5 49 57 46 53 41 48 98 115 90 106 81 95
6 42 49 39 46 35 41 84 99 77 90 70 82
1,2,3 88 103 84 98 77 91 177 207 165 194 153 179
10,001 - 4 74 86 70 82 65 76 141 166 132 155 122 143
15,000 5 65 76 62 72 57 67 124 145 116 136 107 126
6 56 65 53 62 49 58 106 124 99 116 92 108
1,2,3 123 144 118 139 112 132 243 285 231 272 219 257
15,001 - 4 102 120 99 116 94 110 194 228 185 217 175 206
20,000 5 90 106 87 102 82 97 170 200 162 190 153 180
6 78 91 75 88 71 83 146 171 139 163 131 154
1,2,3 157 184 153 179 146 172 291 341 279 328 267 313
20,001 - 4 131 154 128 150 122 144 233 273 223 262 213 251
25,000 5 115 136 112 132 108 126 204 239 196 230 187 219
6 99 117 97 114 93 109 174 205 168 197 160 188
1,2,3 227 267 223 262 216 254 405 475 393 462 381 475
25,001 - 4 190 223 186 218 181 212 324 380 315 369 305 380
40,000 5 167 196 164 192 159 187 283 333 275 323 267 333
6 144 169 141 166 137 161 243 285 236 277 229 285
1,2,3 242 284 237 278 231 271 567 665 555 652 543 637
40,001 - 4 202 237 198 233 193 226 453 532 444 522 434 510
65,000 5 178 208 174 205 170 199 397 466 389 456 380 446
6 153 179 150 176 146 172 340 399 333 391 326 382
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50 For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
Comprehensive Collision
$50 Ded $100 Ded $250 Ded $100 Ded $250 Ded $500 Ded
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 11 12 9 9 3 3 30 33 16 18 5 5
$0 - 4 9 10 7 8 2 2 24 27 13 14 4 4
4,500 5 8 9 6 7 2 2 21 23 11 12 3 4
6 7 8 5 6 2 2 18 20 10 11 3 3
1,2,3 22 24 19 21 13 15 48 54 34 38 23 25
4,501 - 4 18 20 16 18 11 12 39 43 27 30 18 20
6,000 5 16 18 14 16 10 11 34 37 24 26 16 18
6 14 15 12 14 9 9 29 32 21 23 14 15
1,2,3 30 33 28 31 22 24 67 74 52 58 41 46
6,001 - 4 25 28 23 25 18 20 53 59 42 46 33 36
8,000 5 22 24 20 22 16 18 47 52 37 41 29 32
6 19 21 17 19 14 15 40 44 31 35 25 27
1,2,3 44 49 41 46 35 39 85 94 71 78 59 66
8,001 - 4 37 40 35 38 30 33 68 75 57 63 48 53
10,000 5 32 36 30 34 26 29 59 66 50 55 42 46
6 28 31 26 29 22 25 51 56 42 47 36 39
1,2,3 62 68 59 66 54 59 115 128 101 112 90 99
10,001 - 4 52 57 50 55 45 49 92 102 81 89 72 79
15,000 5 46 50 44 48 39 43 81 89 71 78 63 69
6 39 43 38 42 34 37 69 77 61 67 54 60
1,2,3 91 100 88 97 82 91 170 188 156 172 145 160
15,001 - 4 76 84 74 81 69 76 136 150 125 138 116 128
20,000 5 67 74 65 72 60 67 119 132 109 121 101 112
6 57 63 56 62 52 57 102 113 94 103 87 96
1,2,3 119 131 116 129 111 122 210 232 195 216 184 203
20,001 - 4 99 110 97 107 92 102 168 185 156 173 147 163
25,000 5 87 97 86 95 81 90 147 162 137 151 129 142
6 75 83 74 81 70 77 126 139 117 130 110 122
1,2,3 177 195 174 193 168 186 304 336 290 320 278 308
25,001 - 4 148 163 146 161 141 155 243 269 232 256 223 246
40,000 5 130 144 128 142 124 137 213 235 203 224 195 215
6 112 124 110 122 107 118 182 202 174 192 167 185
1,2,3 189 209 186 206 180 199 438 484 423 468 412 456
40,001 - 4 158 174 155 172 151 166 350 387 339 374 330 364
65,000 5 139 153 137 151 132 146 306 339 296 328 289 319
6 119 132 118 130 114 126 263 290 254 281 247 273
1,2,3 210 232 207 229 201 223 486 538 472 522 461 509
65,001 - 4 175 194 173 191 168 186 389 430 378 417 369 407
90,000 5 154 171 152 168 148 164 340 376 330 365 323 357
6 133 147 131 145 128 141 292 323 283 313 276 306
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$500 Ded $1000 Ded $2000 Ded $1000 Ded $2000 Ded $3000 Ded
Comprehensive Collision
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 13 16 10 12 3 4 37 43 19 23 6 7
$0 - 4 11 13 9 10 3 3 29 34 15 18 5 5
4,500 5 10 11 8 9 2 3 26 30 14 16 4 5
6 8 10 7 8 2 2 22 26 12 14 3 4
1,2,3 26 31 23 28 16 19 59 69 41 49 28 33
4,501 - 4 22 26 20 23 14 16 47 55 33 39 22 26
6,000 5 19 23 17 20 12 14 41 48 29 34 19 23
6 17 20 15 17 10 12 35 41 25 29 17 20
1,2,3 36 43 33 39 26 31 81 95 64 75 50 59
6,001 - 4 30 36 28 33 22 26 65 76 51 60 40 47
8,000 5 27 31 25 29 19 23 57 66 44 52 35 41
6 23 27 21 25 17 20 48 57 38 45 30 35
1,2,3 53 62 50 59 43 50 103 121 86 100 72 84
8,001 - 4 44 52 42 49 36 42 82 97 68 80 58 68
10,000 5 39 46 37 43 32 37 72 85 60 70 50 59
6 34 39 32 37 27 32 62 72 51 60 43 51
1,2,3 75 88 72 84 65 76 140 164 122 144 109 128
10,001 - 4 63 73 60 71 54 63 112 131 98 115 87 102
15,000 5 55 65 53 62 48 56 98 115 86 101 76 89
6 47 56 46 53 41 48 84 98 73 86 65 77
1,2,3 110 129 107 125 99 117 206 242 189 221 175 205
15,001 - 4 92 107 89 105 83 97 165 193 151 177 140 164
20,000 5 81 95 78 92 73 86 144 169 132 155 122 144
6 69 81 67 79 63 74 124 145 113 133 105 123
1,2,3 144 169 141 165 134 157 254 298 237 278 223 262
20,001 - 4 120 141 118 138 112 131 203 238 189 222 178 209
25,000 5 106 124 104 122 98 115 178 209 166 194 156 183
6 91 107 89 105 85 99 152 179 142 167 134 157
1,2,3 214 251 211 248 204 239 368 432 351 412 337 396
25,001 - 4 179 210 176 207 170 200 294 345 281 329 270 316
40,000 5 157 185 155 182 150 176 258 302 245 288 236 277
6 135 159 134 157 129 151 221 259 210 247 202 237
1,2,3 228 268 225 265 218 256 530 622 513 602 499 586
40,001 - 4 191 224 188 221 182 214 424 498 410 481 399 469
65,000 5 168 197 166 194 160 188 371 435 359 421 349 410
6 145 170 143 167 138 162 318 373 308 361 299 351
1,2,3 254 298 251 295 244 286 589 691 571 671 558 655
65,001 - 4 212 249 210 246 204 239 471 553 457 537 446 524
90,000 5 187 219 185 217 179 210 412 484 400 470 390 458
6 161 189 159 187 154 181 353 415 343 403 335 393
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$500 Ded $1000 Ded $2000 Ded $1000 Ded $2000 Ded $3000 Ded
Comprehensive Collision
MISSOURI
COMMERCIAL AUTOMOBILE RATES
HEAVY TRUCKS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 9 10 7 8 2 2 24 27 13 14 4 4
$0 - 4 7 8 6 6 2 2 19 22 10 11 3 3
4,500 5 6 7 5 6 2 2 17 19 9 10 3 3
6 5 6 4 5 1 1 14 16 8 9 2 3
1,2,3 17 20 15 17 11 12 38 43 27 31 18 21
4,501 - 4 14 16 13 14 9 10 31 35 22 25 14 16
6,000 5 13 14 11 13 8 9 27 30 19 21 13 14
6 11 12 10 11 7 8 23 26 16 18 11 12
1,2,3 24 27 22 25 17 19 53 60 41 47 33 37
6,001 - 4 20 22 18 21 14 16 42 48 33 38 26 29
8,000 5 17 20 16 18 13 14 37 42 29 33 23 26
6 15 17 14 16 11 12 32 36 25 28 20 22
1,2,3 35 39 33 37 28 32 67 76 56 63 47 53
8,001 - 4 29 33 27 31 23 26 54 61 45 51 38 43
10,000 5 25 29 24 27 21 23 47 53 39 44 33 37
6 22 25 21 23 18 20 40 46 33 38 28 32
1,2,3 49 55 47 53 42 48 91 103 80 90 71 80
10,001 - 4 41 46 39 44 35 40 73 83 64 72 57 64
15,000 5 36 41 34 39 31 35 64 72 56 63 50 56
6 31 35 30 34 27 30 55 62 48 54 43 48
1,2,3 71 81 70 79 65 73 134 152 123 139 114 129
15,001 - 4 60 68 58 66 54 61 107 122 98 112 91 103
20,000 5 53 60 51 58 48 54 94 107 86 98 80 91
6 45 51 44 50 41 47 81 91 74 84 68 78
1,2,3 94 106 92 104 87 99 165 188 154 175 145 165
20,001 - 4 78 89 77 87 73 83 132 150 123 140 116 132
25,000 5 69 78 68 77 64 73 116 131 108 122 102 115
6 59 67 58 66 55 63 99 113 93 105 87 99
1,2,3 140 158 138 156 133 151 240 272 229 259 220 249
25,001 - 4 117 132 115 130 111 126 192 218 183 207 176 199
40,000 5 103 116 101 115 98 111 168 190 160 181 154 174
6 88 100 87 99 84 95 144 163 137 156 132 149
1,2,3 149 169 147 167 142 161 346 392 334 379 325 369
40,001 - 4 124 141 123 139 119 135 276 313 267 303 260 295
65,000 5 109 124 108 122 105 119 242 274 234 265 228 258
6 94 107 93 105 90 102 207 235 201 227 195 221
1,2,3 166 188 164 186 159 180 384 435 373 422 364 412
65,001 - 4 138 157 137 155 133 151 307 348 298 338 291 330
90,000 5 122 138 120 136 117 132 269 305 261 296 255 289
6 105 119 104 117 101 114 230 261 224 253 218 247
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$2000 Ded $1000 Ded $2000 Ded $3000 Ded
Comprehensive Collision
$500 Ded $1000 Ded
PHYSICAL DAMAGE PREMIUMS
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
HEAVY TRUCKS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 13 15 10 12 3 4 35 41 19 22 5 6
$0 - 4 11 13 8 10 3 3 28 33 15 18 4 5
4,500 5 9 11 7 9 2 3 24 29 13 15 4 4
6 8 10 6 7 2 2 21 25 11 13 3 4
1,2,3 25 30 22 27 16 18 56 66 40 47 27 31
4,501 - 4 21 25 19 22 13 15 45 53 32 37 21 25
6,000 5 19 22 17 20 11 14 39 46 28 33 19 22
6 16 19 14 17 10 12 34 40 24 28 16 19
1,2,3 35 41 32 38 25 30 77 91 61 72 48 56
6,001 - 4 29 34 27 32 21 25 62 73 49 57 38 45
8,000 5 26 30 24 28 18 22 54 64 43 50 33 39
6 22 26 20 24 16 19 46 55 36 43 29 34
1,2,3 51 60 48 57 41 49 98 116 82 97 69 81
8,001 - 4 42 50 40 47 34 41 79 93 66 77 55 65
10,000 5 37 44 35 42 30 36 69 81 57 68 48 57
6 32 38 30 36 26 31 59 70 49 58 41 49
1,2,3 72 85 69 81 62 73 134 158 117 138 104 123
10,001 - 4 60 71 57 68 52 61 107 126 94 111 83 98
15,000 5 53 62 51 60 46 54 94 111 82 97 73 86
6 45 54 44 51 39 46 80 95 70 83 62 74
1,2,3 105 124 102 121 95 112 197 233 180 213 167 198
15,001 - 4 88 103 85 101 79 94 158 186 144 171 134 158
20,000 5 77 91 75 89 70 83 138 163 126 149 117 138
6 66 78 65 76 60 71 118 140 108 128 100 119
1,2,3 138 163 135 159 128 151 243 287 226 267 213 252
20,001 - 4 115 136 113 133 107 126 194 229 181 214 171 202
25,000 5 101 120 99 117 94 111 170 201 158 187 149 176
6 87 103 85 101 81 96 146 172 136 160 128 151
1,2,3 205 242 202 238 195 230 352 416 335 396 322 381
25,001 - 4 171 202 168 199 163 192 281 333 268 317 258 305
40,000 5 150 178 148 175 143 169 246 291 235 277 226 267
6 130 153 128 151 123 146 211 250 201 238 193 229
1,2,3 218 258 216 255 209 247 507 599 490 579 477 564
40,001 - 4 182 216 180 213 174 206 405 479 392 464 382 451
65,000 5 161 190 158 187 153 181 355 419 343 406 334 395
6 138 163 136 161 132 156 304 359 294 348 286 338
1,2,3 243 287 240 284 233 276 563 666 547 646 534 631
65,001 - 4 203 240 201 237 195 230 450 532 437 517 427 504
90,000 5 179 211 177 209 171 203 394 466 383 452 373 441
6 154 182 152 180 148 175 338 399 328 388 320 378
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$2000 Ded $1000 Ded $2000 Ded $3000 Ded
Comprehensive Collision
$500 Ded $1000 Ded
MISSOURI
COMMERCIAL AUTOMOBILE RATES
EXTRA HEAVY TRUCKS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 14 17 11 13 3 4 40 46 21 24 6 7
$0 - 4 12 14 9 11 3 3 32 37 17 20 5 6
4,500 5 11 12 8 10 3 3 28 32 15 17 4 5
6 9 11 7 8 2 3 24 28 13 15 4 4
1,2,3 29 33 26 30 18 21 64 74 45 52 30 35
4,501 - 4 24 28 21 25 15 17 51 59 36 42 24 28
6,000 5 21 25 19 22 13 15 45 52 32 37 21 24
6 18 21 16 19 11 13 38 44 27 31 18 21
1,2,3 40 46 36 42 29 33 88 102 69 80 54 63
6,001 - 4 33 38 30 35 24 28 70 81 55 64 43 50
8,000 5 29 34 27 31 21 24 61 71 48 56 38 44
6 25 29 23 27 18 21 53 61 41 48 33 38
1,2,3 58 67 54 63 47 54 112 130 93 108 78 91
8,001 - 4 48 56 46 53 39 45 89 104 74 86 63 73
10,000 5 42 49 40 46 34 40 78 91 65 76 55 63
6 37 42 34 40 30 34 67 78 56 65 47 54
1,2,3 81 95 78 91 70 82 152 176 133 154 118 137
10,001 - 4 68 79 65 76 59 68 121 141 106 123 95 110
15,000 5 60 69 57 67 52 60 106 123 93 108 83 96
6 52 60 50 57 45 52 91 106 80 93 71 82
1,2,3 119 138 116 134 108 125 224 260 205 238 190 221
15,001 - 4 99 115 97 112 90 105 179 208 164 190 152 177
20,000 5 88 102 85 99 79 92 157 182 144 167 133 154
6 75 87 73 85 68 79 134 156 123 143 114 132
1,2,3 156 182 153 178 145 169 276 320 257 298 242 281
20,001 - 4 131 152 128 148 121 141 221 256 206 239 194 225
25,000 5 115 133 113 131 107 124 193 224 180 209 170 197
6 99 115 97 113 92 107 165 192 154 179 145 169
1,2,3 233 270 229 266 221 257 400 464 381 442 366 425
25,001 - 4 194 225 191 222 185 215 320 371 305 354 293 340
40,000 5 171 198 169 195 163 189 280 325 267 309 256 297
6 147 171 145 168 140 163 240 278 229 265 220 255
1,2,3 248 288 245 284 237 275 576 668 557 646 542 629
40,001 - 4 207 240 205 237 198 230 461 534 446 517 434 503
65,000 5 182 212 180 209 174 202 403 468 390 452 380 440
6 157 182 155 180 150 174 346 401 334 388 325 377
1,2,3 276 320 273 317 265 308 640 742 621 721 606 703
65,001 - 4 231 267 228 264 221 257 512 594 497 576 485 563
90,000 5 203 235 201 233 195 226 448 520 435 504 424 492
6 175 203 173 200 168 195 384 445 373 432 364 422
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$1000 Ded $2000 Ded $1000 Ded $2000 Ded $3000 Ded$500 Ded
Comprehensive Collision
PHYSICAL DAMAGE PREMIUMS
MISSOURI
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
EXTRA HEAVY TRUCKS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 14 17 11 13 3 4 40 46 21 24 6 7
$0 - 4 12 14 9 11 3 3 32 37 17 20 5 6
4,500 5 11 12 8 10 3 3 28 32 15 17 4 5
6 9 11 7 8 2 3 24 28 13 15 4 4
1,2,3 29 33 26 30 18 21 64 74 45 52 30 35
4,501 - 4 24 28 21 25 15 17 51 59 36 42 24 28
6,000 5 21 25 19 22 13 15 45 52 32 37 21 24
6 18 21 16 19 11 13 38 44 27 31 18 21
1,2,3 40 46 36 42 29 33 88 102 69 80 54 63
6,001 - 4 33 38 30 35 24 28 70 81 55 64 43 50
8,000 5 29 34 27 31 21 24 61 71 48 56 38 44
6 25 29 23 27 18 21 53 61 41 48 33 38
1,2,3 58 67 54 63 47 54 112 130 93 108 78 91
8,001 - 4 48 56 46 53 39 45 89 104 74 86 63 73
10,000 5 42 49 40 46 34 40 78 91 65 76 55 63
6 37 42 34 40 30 34 67 78 56 65 47 54
1,2,3 81 95 78 91 70 82 152 176 133 154 118 137
10,001 - 4 68 79 65 76 59 68 121 141 106 123 95 110
15,000 5 60 69 57 67 52 60 106 123 93 108 83 96
6 52 60 50 57 45 52 91 106 80 93 71 82
1,2,3 119 138 116 134 108 125 224 260 205 238 190 221
15,001 - 4 99 115 97 112 90 105 179 208 164 190 152 177
20,000 5 88 102 85 99 79 92 157 182 144 167 133 154
6 75 87 73 85 68 79 134 156 123 143 114 132
1,2,3 156 182 153 178 145 169 276 320 257 298 242 281
20,001 - 4 131 152 128 148 121 141 221 256 206 239 194 225
25,000 5 115 133 113 131 107 124 193 224 180 209 170 197
6 99 115 97 113 92 107 165 192 154 179 145 169
1,2,3 233 270 229 266 221 257 400 464 381 442 366 425
25,001 - 4 194 225 191 222 185 215 320 371 305 354 293 340
40,000 5 171 198 169 195 163 189 280 325 267 309 256 297
6 147 171 145 168 140 163 240 278 229 265 220 255
1,2,3 248 288 245 284 237 275 576 668 557 646 542 629
40,001 - 4 207 240 205 237 198 230 461 534 446 517 434 503
65,000 5 182 212 180 209 174 202 403 468 390 452 380 440
6 157 182 155 180 150 174 346 401 334 388 325 377
1,2,3 276 320 273 317 265 308 640 742 621 721 606 703
65,001 - 4 231 267 228 264 221 257 512 594 497 576 485 563
90,000 5 203 235 201 233 195 226 448 520 435 504 424 492
6 175 203 173 200 168 195 384 445 373 432 364 422
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50
For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$2000 Ded $1000 Ded $2000 Ded $3000 Ded
Comprehensive Collision
$500 Ded $1000 Ded
COMMERCIAL AUTOMOBILE RATES
TRAILERS
Service Class
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 11 12 9 9 3 3 30 33 16 18 5 5
$0 - 4 9 10 7 8 2 2 24 27 13 14 4 4
4,500 5 8 9 6 7 2 2 21 23 11 12 3 4
6 7 8 5 6 2 2 18 20 10 11 3 3
1,2,3 22 24 19 21 13 15 48 54 34 38 23 25
4,501 - 4 18 20 16 18 11 12 39 43 27 30 18 20
6,000 5 16 18 14 16 10 11 34 37 24 26 16 18
6 14 15 12 14 9 9 29 32 21 23 14 15
1,2,3 30 33 28 31 22 24 67 74 52 58 41 46
6,001 - 4 25 28 23 25 18 20 53 59 42 46 33 36
8,000 5 22 24 20 22 16 18 47 52 37 41 29 32
6 19 21 17 19 14 15 40 44 31 35 25 27
1,2,3 44 49 41 46 35 39 85 94 71 78 59 66
8,001 - 4 37 40 35 38 30 33 68 75 57 63 48 53
10,000 5 32 36 30 34 26 29 59 66 50 55 42 46
6 28 31 26 29 22 25 51 56 42 47 36 39
1,2,3 62 68 59 66 54 59 115 128 101 112 90 99
10,001 - 4 52 57 50 55 45 49 92 102 81 89 72 79
15,000 5 46 50 44 48 39 43 81 89 71 78 63 69
6 39 43 38 42 34 37 69 77 61 67 54 60
1,2,3 91 100 88 97 82 91 170 188 156 172 145 160
15,001 - 4 76 84 74 81 69 76 136 150 125 138 116 128
20,000 5 67 74 65 72 60 67 119 132 109 121 101 112
6 57 63 56 62 52 57 102 113 94 103 87 96
1,2,3 119 131 116 129 111 122 210 232 195 216 184 203
20,001 - 4 99 110 97 107 92 102 168 185 156 173 147 163
25,000 5 87 97 86 95 81 90 147 162 137 151 129 142
6 75 83 74 81 70 77 126 139 117 130 110 122
1,2,3 177 195 174 193 168 186 304 336 290 320 278 308
25,001 - 4 148 163 146 161 141 155 243 269 232 256 223 246
40,000 5 130 144 128 142 124 137 213 235 203 224 195 215
6 112 124 110 122 107 118 182 202 174 192 167 185
1,2,3 189 209 186 206 180 199 438 484 423 468 412 456
40,001 - 4 158 174 155 172 151 166 350 387 339 374 330 364
65,000 5 139 153 137 151 132 146 306 339 296 328 289 319
6 119 132 118 130 114 126 263 290 254 281 247 273
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50 For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
Comprehensive Collision
$500 Ded $1000 Ded $2000 Ded $1000 Ded $2000 Ded $3000 Ded
PHYSICAL DAMAGE PREMIUMS
PHYSICAL DAMAGE PREMIUMS
TRAILERS
Retail & Commercial Classes
Original Age
Cost New Group Local Inter Local Inter Local Inter Local Inter Local Inter Local Inter
1,2,3 13 16 10 12 3 4 37 43 19 23 6 7
$0 - 4 11 13 9 10 3 3 29 34 15 18 5 5
4,500 5 10 11 8 9 2 3 26 30 14 16 4 5
6 8 10 7 8 2 2 22 26 12 14 3 4
1,2,3 26 31 23 28 16 19 59 69 41 49 28 33
4,501 - 4 22 26 20 23 14 16 47 55 33 39 22 26
6,000 5 19 23 17 20 12 14 41 48 29 34 19 23
6 17 20 15 17 10 12 35 41 25 29 17 20
1,2,3 36 43 33 39 26 31 81 95 64 75 50 59
6,001 - 4 30 36 28 33 22 26 65 76 51 60 40 47
8,000 5 27 31 25 29 19 23 57 66 44 52 35 41
6 23 27 21 25 17 20 48 57 38 45 30 35
1,2,3 53 62 50 59 43 50 103 121 86 100 72 84
8,001 - 4 44 52 42 49 36 42 82 97 68 80 58 68
10,000 5 39 46 37 43 32 37 72 85 60 70 50 59
6 34 39 32 37 27 32 62 72 51 60 43 51
1,2,3 75 88 72 84 65 76 140 164 122 144 109 128
10,001 - 4 63 73 60 71 54 63 112 131 98 115 87 102
15,000 5 55 65 53 62 48 56 98 115 86 101 76 89
6 47 56 46 53 41 48 84 98 73 86 65 77
1,2,3 110 129 107 125 99 117 206 242 189 221 175 205
15,001 - 4 92 107 89 105 83 97 165 193 151 177 140 164
20,000 5 81 95 78 92 73 86 144 169 132 155 122 144
6 69 81 67 79 63 74 124 145 113 133 105 123
1,2,3 144 169 141 165 134 157 254 298 237 278 223 262
20,001 - 4 120 141 118 138 112 131 203 238 189 222 178 209
25,000 5 106 124 104 122 98 115 178 209 166 194 156 183
6 91 107 89 105 85 99 152 179 142 167 134 157
1,2,3 214 251 211 248 204 239 368 432 351 412 337 396
25,001 - 4 179 210 176 207 170 200 294 345 281 329 270 316
40,000 5 157 185 155 182 150 176 258 302 245 288 236 277
6 135 159 134 157 129 151 221 259 210 247 202 237
1,2,3 228 268 225 265 218 256 530 622 513 602 499 586
40,001 - 4 191 224 188 221 182 214 424 498 410 481 399 469
65,000 5 168 197 166 194 160 188 371 435 359 421 349 410
6 145 170 143 167 138 162 318 373 308 361 299 351
For values in excess of those shown, contact your Underwriter for pricing and approval
For Trucks used in Dumping, multiply the premiums by: Coverage Factor
(Dumping MUST be incidental) Comp 1.00
Coll 1.50 For Long Distance Trucks, multiply the matching intermediate premium by 1.2
Note: Rounding may result in a $1 to $2 premium variance.
$500 Ded $1000 Ded $2000 Ded $1000 Ded $2000 Ded $3000 Ded
Comprehensive Collision
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 222 218 213 211 208 202 528 518 507 496 481 469
92000 224 220 215 212 210 204 539 529 518 506 492 480
93000 225 222 216 214 211 205 550 540 529 517 502 490
94000 227 223 218 216 213 207 560 550 540 528 513 501
95000 229 225 220 217 215 209 571 561 551 539 524 512
96000 230 227 221 219 216 210 582 572 561 550 535 523
97000 232 228 223 221 218 212 593 583 572 561 546 534
98000 234 230 225 222 220 213 604 594 583 572 557 545
99000 235 232 226 224 221 215 615 605 594 583 568 556
100000 237 233 228 226 223 217 626 616 605 594 579 567
110000 254 250 244 242 240 233 735 725 714 702 687 675
120000 270 267 261 259 256 250 843 833 823 811 796 784
130000 287 283 278 275 273 267 952 942 931 920 905 893
140000 304 300 294 292 290 283 1061 1051 1040 1029 1014 1002
150000 320 316 311 309 306 300 1170 1160 1149 1138 1123 1111
160000 337 333 327 325 323 316 1279 1269 1258 1247 1232 1220
170000 353 350 344 342 339 333 1388 1378 1367 1355 1340 1328
180000 370 366 361 359 356 350 1496 1486 1476 1464 1449 1437
190000 387 383 377 375 373 366 1605 1595 1584 1573 1558 1546
200000 403 399 394 392 389 383 1714 1704 1693 1682 1667 1655
210000 420 416 411 408 406 400 1823 1813 1802 1791 1776 1764
220000 436 433 427 425 422 416 1932 1922 1911 1899 1885 1873
230000 453 449 444 442 439 433 2041 2031 2020 2008 1993 1981
240000 470 466 460 458 456 449 2149 2139 2129 2117 2102 2090
250000 486 482 477 475 472 466 2258 2248 2237 2226 2211 2199
260000 503 499 494 491 489 483 2367 2357 2346 2335 2320 2308
270000 519 516 510 508 505 499 2476 2466 2455 2444 2429 2417
280000 536 532 527 525 522 516 2585 2575 2564 2552 2537 2526
290000 553 549 543 541 539 532 2693 2683 2673 2661 2646 2634
300000 569 566 560 558 555 549 2802 2792 2782 2770 2755 2743
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible
Comprehensive Collision
LIGHT & MEDIUM TRUCKS
Local Service Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 270 266 260 258 256 249 637 627 616 604 589 578
92000 271 268 262 260 257 251 648 638 627 615 600 588
93000 273 269 264 261 259 253 658 648 638 626 611 599
94000 275 271 265 263 261 254 669 659 648 637 622 610
95000 276 272 267 265 262 256 680 670 659 648 633 621
96000 278 274 269 266 264 258 691 681 670 659 644 632
97000 280 276 270 268 266 259 702 692 681 670 655 643
98000 281 277 272 270 267 261 713 703 692 681 666 654
99000 283 279 274 271 269 263 724 714 703 691 677 665
100000 285 281 275 273 271 264 735 725 714 702 687 675
110000 301 297 292 290 287 281 843 833 823 811 796 784
120000 318 314 309 306 304 297 952 942 931 920 905 893
130000 334 331 325 323 320 314 1061 1051 1040 1029 1014 1002
140000 351 347 342 340 337 331 1170 1160 1149 1138 1123 1111
150000 368 364 358 356 354 347 1279 1269 1258 1247 1232 1220
160000 384 380 375 373 370 364 1388 1378 1367 1355 1340 1328
170000 401 397 392 389 387 381 1496 1486 1476 1464 1449 1437
180000 417 414 408 406 403 397 1605 1595 1584 1573 1558 1546
190000 434 430 425 423 420 414 1714 1704 1693 1682 1667 1655
200000 451 447 441 439 437 430 1823 1813 1802 1791 1776 1764
210000 467 463 458 456 453 447 1932 1922 1911 1899 1885 1873
220000 484 480 475 472 470 464 2041 2031 2020 2008 1993 1981
230000 500 497 491 489 486 480 2149 2139 2129 2117 2102 2090
240000 517 513 508 506 503 497 2258 2248 2237 2226 2211 2199
250000 534 530 524 522 520 513 2367 2357 2346 2335 2320 2308
260000 550 547 541 539 536 530 2476 2466 2455 2444 2429 2417
270000 567 563 558 555 553 547 2585 2575 2564 2552 2537 2526
280000 583 580 574 572 569 563 2693 2683 2673 2661 2646 2634
290000 600 596 591 589 586 580 2802 2792 2782 2770 2755 2743
300000 617 613 607 605 603 596 2911 2901 2890 2879 2864 2852
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
Deductible
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible
Local Retail & Commercial Class
Comprehensive Collision
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
COMMERCIAL AUTOMOBILE RATES
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 175 171 165 163 161 154 419 409 398 387 372 360
92000 176 173 167 165 162 156 430 420 409 398 383 371
93000 178 174 169 167 164 158 441 431 420 409 394 382
94000 180 176 170 168 166 159 452 442 431 419 404 393
95000 181 178 172 170 167 161 463 453 442 430 415 403
96000 183 179 174 172 169 163 473 463 453 441 426 414
97000 185 181 175 173 171 164 484 474 463 452 437 425
98000 186 183 177 175 172 166 495 485 474 463 448 436
99000 188 184 179 177 174 168 506 496 485 474 459 447
100000 190 186 180 178 176 169 517 507 496 485 470 458
110000 206 203 197 195 192 186 626 616 605 594 579 567
120000 223 219 214 211 209 203 735 725 714 702 687 675
130000 239 236 230 228 225 219 843 833 823 811 796 784
140000 256 252 247 245 242 236 952 942 931 920 905 893
150000 273 269 263 261 259 252 1061 1051 1040 1029 1014 1002
160000 289 286 280 278 275 269 1170 1160 1149 1138 1123 1111
170000 306 302 297 294 292 286 1279 1269 1258 1247 1232 1220
180000 322 319 313 311 308 302 1388 1378 1367 1355 1340 1328
190000 339 335 330 328 325 319 1496 1486 1476 1464 1449 1437
200000 356 352 346 344 342 335 1605 1595 1584 1573 1558 1546
210000 372 369 363 361 358 352 1714 1704 1693 1682 1667 1655
220000 389 385 380 378 375 369 1823 1813 1802 1791 1776 1764
230000 406 402 396 394 392 385 1932 1922 1911 1899 1885 1873
240000 422 418 413 411 408 402 2041 2031 2020 2008 1993 1981
250000 439 435 430 427 425 418 2149 2139 2129 2117 2102 2090
260000 455 452 446 444 441 435 2258 2248 2237 2226 2211 2199
270000 472 468 463 461 458 452 2367 2357 2346 2335 2320 2308
280000 489 485 479 477 475 468 2476 2466 2455 2444 2429 2417
290000 505 501 496 494 491 485 2585 2575 2564 2552 2537 2526
300000 522 518 513 510 508 502 2693 2683 2673 2661 2646 2634
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
HEAVY TRUCKS
Local Service Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
COMMERCIAL AUTOMOBILE RATES
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 258 254 248 246 244 237 609 599 589 577 562 550
92000 259 256 250 248 245 239 620 610 600 588 573 561
93000 261 257 252 250 247 241 631 621 610 599 584 572
94000 263 259 253 251 249 242 642 632 621 610 595 583
95000 264 261 255 253 250 244 653 643 632 621 606 594
96000 266 262 257 255 252 246 664 654 643 632 617 605
97000 268 264 258 256 254 247 675 665 654 643 628 616
98000 269 266 260 258 255 249 686 676 665 653 638 627
99000 271 267 262 260 257 251 696 687 676 664 649 637
100000 273 269 263 261 259 252 707 697 687 675 660 648
110000 289 286 280 278 275 269 816 806 795 784 769 757
120000 306 302 297 294 292 286 925 915 904 893 878 866
130000 322 319 313 311 308 302 1034 1024 1013 1002 987 975
140000 339 335 330 328 325 319 1143 1133 1122 1110 1096 1084
150000 356 352 346 344 342 335 1252 1242 1231 1219 1204 1192
160000 372 369 363 361 358 352 1360 1350 1340 1328 1313 1301
170000 389 385 380 378 375 369 1469 1459 1448 1437 1422 1410
180000 406 402 396 394 392 385 1578 1568 1557 1546 1531 1519
190000 422 418 413 411 408 402 1687 1677 1666 1655 1640 1628
200000 439 435 430 427 425 418 1796 1786 1775 1763 1748 1737
210000 455 452 446 444 441 435 1904 1894 1884 1872 1857 1845
220000 472 468 463 461 458 452 2013 2003 1993 1981 1966 1954
230000 489 485 479 477 475 468 2122 2112 2101 2090 2075 2063
240000 505 501 496 494 491 485 2231 2221 2210 2199 2184 2172
250000 522 518 513 510 508 502 2340 2330 2319 2308 2293 2281
260000 538 535 529 527 524 518 2449 2439 2428 2416 2401 2390
270000 555 551 546 544 541 535 2557 2547 2537 2525 2510 2498
280000 572 568 562 560 558 551 2666 2656 2645 2634 2619 2607
290000 588 584 579 577 574 568 2775 2765 2754 2743 2728 2716
300000 605 601 596 593 591 585 2884 2874 2863 2852 2837 2825
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
HEAVY TRUCKS
Local Retail & Commercial Class
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 293 290 284 282 279 273 691 681 670 659 644 632
92000 295 291 286 284 281 275 702 692 681 670 655 643
93000 297 293 287 285 283 276 713 703 692 681 666 654
94000 298 295 289 287 284 278 724 714 703 691 677 665
95000 300 296 291 289 286 280 735 725 714 702 687 675
96000 302 298 292 290 288 281 745 735 725 713 698 686
97000 303 300 294 292 289 283 756 746 736 724 709 697
98000 305 301 296 294 291 285 767 757 746 735 720 708
99000 307 303 297 295 293 286 778 768 757 746 731 719
100000 308 305 299 297 294 288 789 779 768 757 742 730
110000 325 321 316 313 311 305 898 888 877 866 851 839
120000 341 338 332 330 327 321 1007 997 986 974 959 948
130000 358 354 349 347 344 338 1115 1105 1095 1083 1068 1056
140000 375 371 365 363 361 354 1224 1214 1204 1192 1177 1165
150000 391 388 382 380 377 371 1333 1323 1312 1301 1286 1274
160000 408 404 399 396 394 388 1442 1432 1421 1410 1395 1383
170000 425 421 415 413 411 404 1551 1541 1530 1519 1504 1492
180000 441 437 432 430 427 421 1660 1650 1639 1627 1612 1601
190000 458 454 448 446 444 437 1768 1758 1748 1736 1721 1709
200000 474 471 465 463 460 454 1877 1867 1856 1845 1830 1818
210000 491 487 482 480 477 471 1986 1976 1965 1954 1939 1927
220000 508 504 498 496 494 487 2095 2085 2074 2063 2048 2036
230000 524 520 515 513 510 504 2204 2194 2183 2172 2157 2145
240000 541 537 532 529 527 521 2313 2303 2292 2280 2265 2253
250000 557 554 548 546 543 537 2421 2411 2401 2389 2374 2362
260000 574 570 565 563 560 554 2530 2520 2509 2498 2483 2471
270000 591 587 581 579 577 570 2639 2629 2618 2607 2592 2580
280000 607 603 598 596 593 587 2748 2738 2727 2716 2701 2689
290000 624 620 615 612 610 604 2857 2847 2836 2825 2810 2798
300000 640 637 631 629 626 620 2966 2956 2945 2933 2918 2906
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 4 yrs = 0.835 4 yrs = 0.8
5 yrs = 5 yrs = 0.735 5 yrs = 0.7
6 yrs = 6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible
Local Service Class
Comprehensive Collision
EXTRA HEAVY TRUCKS
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 293 290 284 282 279 273 691 681 670 659 644 632
92000 295 291 286 284 281 275 702 692 681 670 655 643
93000 297 293 287 285 283 276 713 703 692 681 666 654
94000 298 295 289 287 284 278 724 714 703 691 677 665
95000 300 296 291 289 286 280 735 725 714 702 687 675
96000 302 298 292 290 288 281 745 735 725 713 698 686
97000 303 300 294 292 289 283 756 746 736 724 709 697
98000 305 301 296 294 291 285 767 757 746 735 720 708
99000 307 303 297 295 293 286 778 768 757 746 731 719
100000 308 305 299 297 294 288 789 779 768 757 742 730
110000 325 321 316 313 311 305 898 888 877 866 851 839
120000 341 338 332 330 327 321 1007 997 986 974 959 948
130000 358 354 349 347 344 338 1115 1105 1095 1083 1068 1056
140000 375 371 365 363 361 354 1224 1214 1204 1192 1177 1165
150000 391 388 382 380 377 371 1333 1323 1312 1301 1286 1274
160000 408 404 399 396 394 388 1442 1432 1421 1410 1395 1383
170000 425 421 415 413 411 404 1551 1541 1530 1519 1504 1492
180000 441 437 432 430 427 421 1660 1650 1639 1627 1612 1601
190000 458 454 448 446 444 437 1768 1758 1748 1736 1721 1709
200000 474 471 465 463 460 454 1877 1867 1856 1845 1830 1818
210000 491 487 482 480 477 471 1986 1976 1965 1954 1939 1927
220000 508 504 498 496 494 487 2095 2085 2074 2063 2048 2036
230000 524 520 515 513 510 504 2204 2194 2183 2172 2157 2145
240000 541 537 532 529 527 521 2313 2303 2292 2280 2265 2253
250000 557 554 548 546 543 537 2421 2411 2401 2389 2374 2362
260000 574 570 565 563 560 554 2530 2520 2509 2498 2483 2471
270000 591 587 581 579 577 570 2639 2629 2618 2607 2592 2580
280000 607 603 598 596 593 587 2748 2738 2727 2716 2701 2689
290000 624 620 615 612 610 604 2857 2847 2836 2825 2810 2798
300000 640 637 631 629 626 620 2966 2956 2945 2933 2918 2906
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
EXTRA HEAVY TRUCKS
Local Retail & Commercial Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 246 242 237 234 232 226 582 572 561 550 535 523
92000 248 244 238 236 234 227 593 583 572 561 546 534
93000 249 245 240 238 235 229 604 594 583 572 557 545
94000 251 247 242 239 237 231 615 605 594 583 568 556
95000 253 249 243 241 238 232 626 616 605 594 579 567
96000 254 250 245 243 240 234 637 627 616 604 589 578
97000 256 252 247 244 242 236 648 638 627 615 600 588
98000 257 254 248 246 243 237 658 648 638 626 611 599
99000 259 255 250 248 245 239 669 659 648 637 622 610
100000 261 257 252 249 247 241 680 670 659 648 633 621
110000 277 274 268 266 263 257 789 779 768 757 742 730
120000 294 290 285 283 280 274 898 888 877 866 851 839
130000 311 307 301 299 297 290 1007 997 986 974 959 948
140000 327 324 318 316 313 307 1115 1105 1095 1083 1068 1056
150000 344 340 335 332 330 324 1224 1214 1204 1192 1177 1165
160000 360 357 351 349 346 340 1333 1323 1312 1301 1286 1274
170000 377 373 368 366 363 357 1442 1432 1421 1410 1395 1383
180000 394 390 384 382 380 373 1551 1541 1530 1519 1504 1492
190000 410 407 401 399 396 390 1660 1650 1639 1627 1612 1601
200000 427 423 418 415 413 407 1768 1758 1748 1736 1721 1709
210000 444 440 434 432 429 423 1877 1867 1856 1845 1830 1818
220000 460 456 451 449 446 440 1986 1976 1965 1954 1939 1927
230000 477 473 467 465 463 456 2095 2085 2074 2063 2048 2036
240000 493 490 484 482 479 473 2204 2194 2183 2172 2157 2145
250000 510 506 501 499 496 490 2313 2303 2292 2280 2265 2253
260000 527 523 517 515 513 506 2421 2411 2401 2389 2374 2362
270000 543 539 534 532 529 523 2530 2520 2509 2498 2483 2471
280000 560 556 551 548 546 539 2639 2629 2618 2607 2592 2580
290000 576 573 567 565 562 556 2748 2738 2727 2716 2701 2689
300000 593 589 584 582 579 573 2857 2847 2836 2825 2810 2798
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible
Comprehensive Collision
LIGHT & MEDIUM TRUCKS
Intermediate Service Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 317 313 308 306 303 297 745 735 725 713 698 686
92000 319 315 309 307 305 298 756 746 736 724 709 697
93000 320 317 311 309 306 300 767 757 746 735 720 708
94000 322 318 313 311 308 302 778 768 757 746 731 719
95000 324 320 314 312 310 303 789 779 768 757 742 730
96000 325 322 316 314 311 305 800 790 779 768 753 741
97000 327 323 318 316 313 307 811 801 790 779 764 752
98000 329 325 319 317 315 308 822 812 801 789 774 763
99000 330 327 321 319 316 310 833 823 812 800 785 773
100000 332 328 323 321 318 312 843 833 823 811 796 784
110000 349 345 339 337 335 328 952 942 931 920 905 893
120000 365 361 356 354 351 345 1061 1051 1040 1029 1014 1002
130000 382 378 373 370 368 362 1170 1160 1149 1138 1123 1111
140000 398 395 389 387 384 378 1279 1269 1258 1247 1232 1220
150000 415 411 406 404 401 395 1388 1378 1367 1355 1340 1328
160000 432 428 422 420 418 411 1496 1486 1476 1464 1449 1437
170000 448 445 439 437 434 428 1605 1595 1584 1573 1558 1546
180000 465 461 456 453 451 445 1714 1704 1693 1682 1667 1655
190000 481 478 472 470 467 461 1823 1813 1802 1791 1776 1764
200000 498 494 489 487 484 478 1932 1922 1911 1899 1885 1873
210000 515 511 505 503 501 494 2041 2031 2020 2008 1993 1981
220000 531 528 522 520 517 511 2149 2139 2129 2117 2102 2090
230000 548 544 539 536 534 528 2258 2248 2237 2226 2211 2199
240000 565 561 555 553 550 544 2367 2357 2346 2335 2320 2308
250000 581 577 572 570 567 561 2476 2466 2455 2444 2429 2417
260000 598 594 588 586 584 577 2585 2575 2564 2552 2537 2526
270000 614 611 605 603 600 594 2693 2683 2673 2661 2646 2634
280000 631 627 622 620 617 611 2802 2792 2782 2770 2755 2743
290000 648 644 638 636 634 627 2911 2901 2890 2879 2864 2852
300000 664 660 655 653 650 644 3020 3010 2999 2988 2973 2961
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
Deductible Deductible
NOTE: Rounding may result in a $1 to $2 variance in premium.
Intermediate Retail & Commercial Class
Comprehensive Collision
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
COMMERCIAL AUTOMOBILE RATES
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 198 195 189 187 184 178 473 463 453 441 426 414
92000 200 196 191 189 186 180 484 474 463 452 437 425
93000 202 198 192 190 188 181 495 485 474 463 448 436
94000 203 200 194 192 189 183 506 496 485 474 459 447
95000 205 201 196 194 191 185 517 507 496 485 470 458
96000 207 203 197 195 193 186 528 518 507 496 481 469
97000 208 205 199 197 194 188 539 529 518 506 492 480
98000 210 206 201 199 196 190 550 540 529 517 502 490
99000 212 208 202 200 198 191 560 550 540 528 513 501
100000 213 210 204 202 199 193 571 561 551 539 524 512
110000 230 226 221 219 216 210 680 670 659 648 633 621
120000 247 243 237 235 233 226 789 779 768 757 742 730
130000 263 259 254 252 249 243 898 888 877 866 851 839
140000 280 276 271 268 266 260 1007 997 986 974 959 948
150000 296 293 287 285 282 276 1115 1105 1095 1083 1068 1056
160000 313 309 304 302 299 293 1224 1214 1204 1192 1177 1165
170000 330 326 320 318 316 309 1333 1323 1312 1301 1286 1274
180000 346 342 337 335 332 326 1442 1432 1421 1410 1395 1383
190000 363 359 354 351 349 343 1551 1541 1530 1519 1504 1492
200000 379 376 370 368 365 359 1660 1650 1639 1627 1612 1601
210000 396 392 387 385 382 376 1768 1758 1748 1736 1721 1709
220000 413 409 403 401 399 392 1877 1867 1856 1845 1830 1818
230000 429 426 420 418 415 409 1986 1976 1965 1954 1939 1927
240000 446 442 437 434 432 426 2095 2085 2074 2063 2048 2036
250000 462 459 453 451 448 442 2204 2194 2183 2172 2157 2145
260000 479 475 470 468 465 459 2313 2303 2292 2280 2265 2253
270000 496 492 486 484 482 475 2421 2411 2401 2389 2374 2362
280000 512 509 503 501 498 492 2530 2520 2509 2498 2483 2471
290000 529 525 520 518 515 509 2639 2629 2618 2607 2592 2580
300000 546 542 536 534 532 525 2748 2738 2727 2716 2701 2689
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
HEAVY TRUCKS
Intermediate Service Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
COMMERCIAL AUTOMOBILE RATES
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 305 301 296 294 291 285 718 708 697 686 671 659
92000 307 303 298 295 293 287 729 719 708 697 682 670
93000 309 305 299 297 294 288 740 730 719 708 693 681
94000 310 306 301 299 296 290 751 741 730 719 704 692
95000 312 308 303 300 298 292 762 752 741 730 715 703
96000 313 310 304 302 299 293 773 763 752 740 725 714
97000 315 311 306 304 301 295 784 774 763 751 736 724
98000 317 313 308 305 303 297 794 784 774 762 747 735
99000 318 315 309 307 304 298 805 795 785 773 758 746
100000 320 316 311 309 306 300 816 806 795 784 769 757
110000 337 333 327 325 323 316 925 915 904 893 878 866
120000 353 350 344 342 339 333 1034 1024 1013 1002 987 975
130000 370 366 361 359 356 350 1143 1133 1122 1110 1096 1084
140000 387 383 377 375 373 366 1252 1242 1231 1219 1204 1192
150000 403 399 394 392 389 383 1360 1350 1340 1328 1313 1301
160000 420 416 411 408 406 400 1469 1459 1448 1437 1422 1410
170000 436 433 427 425 422 416 1578 1568 1557 1546 1531 1519
180000 453 449 444 442 439 433 1687 1677 1666 1655 1640 1628
190000 470 466 460 458 456 449 1796 1786 1775 1763 1748 1737
200000 486 482 477 475 472 466 1904 1894 1884 1872 1857 1845
210000 503 499 494 491 489 483 2013 2003 1993 1981 1966 1954
220000 519 516 510 508 505 499 2122 2112 2101 2090 2075 2063
230000 536 532 527 525 522 516 2231 2221 2210 2199 2184 2172
240000 553 549 543 541 539 532 2340 2330 2319 2308 2293 2281
250000 569 566 560 558 555 549 2449 2439 2428 2416 2401 2390
260000 586 582 577 574 572 566 2557 2547 2537 2525 2510 2498
270000 602 599 593 591 588 582 2666 2656 2645 2634 2619 2607
280000 619 615 610 608 605 599 2775 2765 2754 2743 2728 2716
290000 636 632 626 624 622 615 2884 2874 2863 2852 2837 2825
300000 652 649 643 641 638 632 2993 2983 2972 2961 2946 2934
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
HEAVY TRUCKS
Intermediate Retail & Commercial Class
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 341 337 332 329 327 320 800 790 779 768 753 741
92000 342 339 333 331 328 322 811 801 790 779 764 752
93000 344 340 335 333 330 324 822 812 801 789 774 763
94000 346 342 337 334 332 325 833 823 812 800 785 773
95000 347 344 338 336 333 327 843 833 823 811 796 784
96000 349 345 340 338 335 329 854 844 833 822 807 795
97000 351 347 341 339 337 330 865 855 844 833 818 806
98000 352 349 343 341 338 332 876 866 855 844 829 817
99000 354 350 345 343 340 334 887 877 866 855 840 828
100000 356 352 346 344 342 335 898 888 877 866 851 839
110000 372 369 363 361 358 352 1007 997 986 974 959 948
120000 389 385 380 378 375 369 1115 1105 1095 1083 1068 1056
130000 406 402 396 394 392 385 1224 1214 1204 1192 1177 1165
140000 422 418 413 411 408 402 1333 1323 1312 1301 1286 1274
150000 439 435 430 427 425 418 1442 1432 1421 1410 1395 1383
160000 455 452 446 444 441 435 1551 1541 1530 1519 1504 1492
170000 472 468 463 461 458 452 1660 1650 1639 1627 1612 1601
180000 489 485 479 477 475 468 1768 1758 1748 1736 1721 1709
190000 505 501 496 494 491 485 1877 1867 1856 1845 1830 1818
200000 522 518 513 510 508 502 1986 1976 1965 1954 1939 1927
210000 538 535 529 527 524 518 2095 2085 2074 2063 2048 2036
220000 555 551 546 544 541 535 2204 2194 2183 2172 2157 2145
230000 572 568 562 560 558 551 2313 2303 2292 2280 2265 2253
240000 588 584 579 577 574 568 2421 2411 2401 2389 2374 2362
250000 605 601 596 593 591 585 2530 2520 2509 2498 2483 2471
260000 621 618 612 610 607 601 2639 2629 2618 2607 2592 2580
270000 638 634 629 627 624 618 2748 2738 2727 2716 2701 2689
280000 655 651 645 643 641 634 2857 2847 2836 2825 2810 2798
290000 671 668 662 660 657 651 2966 2956 2945 2933 2918 2906
300000 688 684 679 676 674 668 3074 3064 3054 3042 3027 3015
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 4 yrs = 0.835 4 yrs = 0.8
5 yrs = 5 yrs = 0.735 5 yrs = 0.7
6 yrs = 6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
DeductibleDeductible
Intermediate Service Class
Comprehensive Collision
EXTRA HEAVY TRUCKS
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 341 337 332 329 327 320 800 790 779 768 753 741
92000 342 339 333 331 328 322 811 801 790 779 764 752
93000 344 340 335 333 330 324 822 812 801 789 774 763
94000 346 342 337 334 332 325 833 823 812 800 785 773
95000 347 344 338 336 333 327 843 833 823 811 796 784
96000 349 345 340 338 335 329 854 844 833 822 807 795
97000 351 347 341 339 337 330 865 855 844 833 818 806
98000 352 349 343 341 338 332 876 866 855 844 829 817
99000 354 350 345 343 340 334 887 877 866 855 840 828
100000 356 352 346 344 342 335 898 888 877 866 851 839
110000 372 369 363 361 358 352 1007 997 986 974 959 948
120000 389 385 380 378 375 369 1115 1105 1095 1083 1068 1056
130000 406 402 396 394 392 385 1224 1214 1204 1192 1177 1165
140000 422 418 413 411 408 402 1333 1323 1312 1301 1286 1274
150000 439 435 430 427 425 418 1442 1432 1421 1410 1395 1383
160000 455 452 446 444 441 435 1551 1541 1530 1519 1504 1492
170000 472 468 463 461 458 452 1660 1650 1639 1627 1612 1601
180000 489 485 479 477 475 468 1768 1758 1748 1736 1721 1709
190000 505 501 496 494 491 485 1877 1867 1856 1845 1830 1818
200000 522 518 513 510 508 502 1986 1976 1965 1954 1939 1927
210000 538 535 529 527 524 518 2095 2085 2074 2063 2048 2036
220000 555 551 546 544 541 535 2204 2194 2183 2172 2157 2145
230000 572 568 562 560 558 551 2313 2303 2292 2280 2265 2253
240000 588 584 579 577 574 568 2421 2411 2401 2389 2374 2362
250000 605 601 596 593 591 585 2530 2520 2509 2498 2483 2471
260000 621 618 612 610 607 601 2639 2629 2618 2607 2592 2580
270000 638 634 629 627 624 618 2748 2738 2727 2716 2701 2689
280000 655 651 645 643 641 634 2857 2847 2836 2825 2810 2798
290000 671 668 662 660 657 651 2966 2956 2945 2933 2918 2906
300000 688 684 679 676 674 668 3074 3064 3054 3042 3027 3015
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
EXTRA HEAVY TRUCKS
Intermediate Retail & Commercial Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 296 292 286 284 282 275 696 687 676 664 649 637
92000 297 294 288 286 283 277 707 697 687 675 660 648
93000 299 295 290 288 285 279 718 708 697 686 671 659
94000 301 297 291 289 287 280 729 719 708 697 682 670
95000 302 299 293 291 288 282 740 730 719 708 693 681
96000 304 300 295 293 290 284 751 741 730 719 704 692
97000 306 302 296 294 292 285 762 752 741 730 715 703
98000 307 304 298 296 293 287 773 763 752 740 725 714
99000 309 305 300 298 295 289 784 774 763 751 736 724
100000 311 307 301 299 297 290 794 784 774 762 747 735
110000 327 324 318 316 313 307 903 893 882 871 856 844
120000 344 340 335 332 330 324 1012 1002 991 980 965 953
130000 360 357 351 349 346 340 1121 1111 1100 1089 1074 1062
140000 377 373 368 366 363 357 1230 1220 1209 1198 1183 1171
150000 394 390 384 382 380 373 1339 1329 1318 1306 1291 1279
160000 410 407 401 399 396 390 1447 1437 1427 1415 1400 1388
170000 427 423 418 415 413 407 1556 1546 1535 1524 1509 1497
180000 444 440 434 432 429 423 1665 1655 1644 1633 1618 1606
190000 460 456 451 449 446 440 1774 1764 1753 1742 1727 1715
200000 477 473 467 465 463 456 1883 1873 1862 1851 1836 1824
210000 493 490 484 482 479 473 1992 1982 1971 1959 1944 1932
220000 510 506 501 499 496 490 2100 2090 2080 2068 2053 2041
230000 527 523 517 515 513 506 2209 2199 2188 2177 2162 2150
240000 543 539 534 532 529 523 2318 2308 2297 2286 2271 2259
250000 560 556 551 548 546 539 2427 2417 2406 2395 2380 2368
260000 576 573 567 565 562 556 2536 2526 2515 2503 2488 2477
270000 593 589 584 582 579 573 2645 2635 2624 2612 2597 2585
280000 610 606 600 598 596 589 2753 2743 2733 2721 2706 2694
290000 626 622 617 615 612 606 2862 2852 2841 2830 2815 2803
300000 643 639 634 631 629 623 2971 2961 2950 2939 2924 2912
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible
Comprehensive Collision
LIGHT & MEDIUM TRUCKS
Long Distance Service Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 381 377 372 370 367 361 892 882 872 860 845 833
92000 383 379 374 371 369 362 903 893 882 871 856 844
93000 384 381 375 373 370 364 914 904 893 882 867 855
94000 386 382 377 375 372 366 925 915 904 893 878 866
95000 388 384 378 376 374 367 936 926 915 904 889 877
96000 389 386 380 378 375 369 947 937 926 915 900 888
97000 391 387 382 380 377 371 958 948 937 925 910 899
98000 393 389 383 381 379 372 969 959 948 936 921 909
99000 394 391 385 383 380 374 979 969 959 947 932 920
100000 396 392 387 385 382 376 990 980 970 958 943 931
110000 413 409 403 401 399 392 1099 1089 1078 1067 1052 1040
120000 429 426 420 418 415 409 1208 1198 1187 1176 1161 1149
130000 446 442 437 434 432 426 1317 1307 1296 1285 1270 1258
140000 462 459 453 451 448 442 1426 1416 1405 1393 1378 1367
150000 479 475 470 468 465 459 1534 1524 1514 1502 1487 1475
160000 496 492 486 484 482 475 1643 1633 1622 1611 1596 1584
170000 512 509 503 501 498 492 1752 1742 1731 1720 1705 1693
180000 529 525 520 518 515 509 1861 1851 1840 1829 1814 1802
190000 546 542 536 534 532 525 1970 1960 1949 1938 1923 1911
200000 562 558 553 551 548 542 2079 2069 2058 2046 2031 2020
210000 579 575 569 567 565 558 2187 2177 2167 2155 2140 2128
220000 595 592 586 584 581 575 2296 2286 2275 2264 2249 2237
230000 612 608 603 601 598 592 2405 2395 2384 2373 2358 2346
240000 629 625 619 617 615 608 2514 2504 2493 2482 2467 2455
250000 645 641 636 634 631 625 2623 2613 2602 2591 2576 2564
260000 662 658 653 650 648 642 2732 2722 2711 2699 2684 2672
270000 678 675 669 667 664 658 2840 2830 2820 2808 2793 2781
280000 695 691 686 684 681 675 2949 2939 2928 2917 2902 2890
290000 712 708 702 700 698 691 3058 3048 3037 3026 3011 2999
300000 728 724 719 717 714 708 3167 3157 3146 3135 3120 3108
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
Deductible Deductible
NOTE: Rounding may result in a $1 to $2 variance in premium.
Long Distance Retail & Commercial Class
Comprehensive Collision
PHYSICAL DAMAGE PREMIUMS
LIGHT & MEDIUM TRUCKS
COMMERCIAL AUTOMOBILE RATES
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 239 235 229 227 225 218 566 556 545 534 519 507
92000 240 237 231 229 226 220 577 567 556 545 530 518
93000 242 238 233 231 228 222 588 578 567 555 540 529
94000 244 240 234 232 230 223 599 589 578 566 551 539
95000 245 242 236 234 231 225 609 599 589 577 562 550
96000 247 243 238 236 233 227 620 610 600 588 573 561
97000 249 245 239 237 235 228 631 621 610 599 584 572
98000 250 247 241 239 236 230 642 632 621 610 595 583
99000 252 248 243 241 238 232 653 643 632 621 606 594
100000 254 250 244 242 240 233 664 654 643 632 617 605
110000 270 267 261 259 256 250 773 763 752 740 725 714
120000 287 283 278 275 273 267 882 872 861 849 834 822
130000 304 300 294 292 290 283 990 980 970 958 943 931
140000 320 316 311 309 306 300 1099 1089 1078 1067 1052 1040
150000 337 333 327 325 323 316 1208 1198 1187 1176 1161 1149
160000 353 350 344 342 339 333 1317 1307 1296 1285 1270 1258
170000 370 366 361 359 356 350 1426 1416 1405 1393 1378 1367
180000 387 383 377 375 373 366 1534 1524 1514 1502 1487 1475
190000 403 399 394 392 389 383 1643 1633 1622 1611 1596 1584
200000 420 416 411 408 406 400 1752 1742 1731 1720 1705 1693
210000 436 433 427 425 422 416 1861 1851 1840 1829 1814 1802
220000 453 449 444 442 439 433 1970 1960 1949 1938 1923 1911
230000 470 466 460 458 456 449 2079 2069 2058 2046 2031 2020
240000 486 482 477 475 472 466 2187 2177 2167 2155 2140 2128
250000 503 499 494 491 489 483 2296 2286 2275 2264 2249 2237
260000 519 516 510 508 505 499 2405 2395 2384 2373 2358 2346
270000 536 532 527 525 522 516 2514 2504 2493 2482 2467 2455
280000 553 549 543 541 539 532 2623 2613 2602 2591 2576 2564
290000 569 566 560 558 555 549 2732 2722 2711 2699 2684 2672
300000 586 582 577 574 572 566 2840 2830 2820 2808 2793 2781
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
HEAVY TRUCKS
Long Distance Service Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 367 363 358 355 353 347 860 850 839 828 813 801
92000 369 365 359 357 355 348 871 861 850 838 823 812
93000 370 366 361 359 356 350 882 872 861 849 834 822
94000 372 368 363 360 358 352 892 882 872 860 845 833
95000 374 370 364 362 359 353 903 893 882 871 856 844
96000 375 371 366 364 361 355 914 904 893 882 867 855
97000 377 373 368 365 363 357 925 915 904 893 878 866
98000 378 375 369 367 364 358 936 926 915 904 889 877
99000 380 376 371 369 366 360 947 937 926 915 900 888
100000 382 378 373 370 368 362 958 948 937 925 910 899
110000 398 395 389 387 384 378 1067 1057 1046 1034 1019 1007
120000 415 411 406 404 401 395 1175 1165 1155 1143 1128 1116
130000 432 428 422 420 418 411 1284 1274 1263 1252 1237 1225
140000 448 445 439 437 434 428 1393 1383 1372 1361 1346 1334
150000 465 461 456 453 451 445 1502 1492 1481 1470 1455 1443
160000 481 478 472 470 467 461 1611 1601 1590 1578 1563 1552
170000 498 494 489 487 484 478 1719 1709 1699 1687 1672 1660
180000 515 511 505 503 501 494 1828 1818 1807 1796 1781 1769
190000 531 528 522 520 517 511 1937 1927 1916 1905 1890 1878
200000 548 544 539 536 534 528 2046 2036 2025 2014 1999 1987
210000 565 561 555 553 550 544 2155 2145 2134 2123 2108 2096
220000 581 577 572 570 567 561 2264 2254 2243 2231 2216 2205
230000 598 594 588 586 584 577 2372 2362 2352 2340 2325 2313
240000 614 611 605 603 600 594 2481 2471 2460 2449 2434 2422
250000 631 627 622 620 617 611 2590 2580 2569 2558 2543 2531
260000 648 644 638 636 634 627 2699 2689 2678 2667 2652 2640
270000 664 660 655 653 650 644 2808 2798 2787 2776 2761 2749
280000 681 677 672 669 667 660 2917 2907 2896 2884 2869 2857
290000 697 694 688 686 683 677 3025 3015 3005 2993 2978 2966
300000 714 710 705 703 700 694 3134 3124 3113 3102 3087 3075
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
HEAVY TRUCKS
Long Distance Retail & Commercial Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 410 406 400 398 396 389 958 948 937 925 910 899
92000 411 407 402 400 397 391 969 959 948 936 921 909
93000 413 409 404 401 399 393 979 969 959 947 932 920
94000 415 411 405 403 401 394 990 980 970 958 943 931
95000 416 412 407 405 402 396 1001 991 980 969 954 942
96000 418 414 409 406 404 398 1012 1002 991 980 965 953
97000 420 416 410 408 406 399 1023 1013 1002 991 976 964
98000 421 417 412 410 407 401 1034 1024 1013 1002 987 975
99000 423 419 414 411 409 403 1045 1035 1024 1013 998 986
100000 425 421 415 413 411 404 1056 1046 1035 1023 1008 997
110000 441 437 432 430 427 421 1164 1154 1144 1132 1117 1105
120000 458 454 448 446 444 437 1273 1263 1252 1241 1226 1214
130000 474 471 465 463 460 454 1382 1372 1361 1350 1335 1323
140000 491 487 482 480 477 471 1491 1481 1470 1459 1444 1432
150000 508 504 498 496 494 487 1600 1590 1579 1568 1553 1541
160000 524 520 515 513 510 504 1709 1699 1688 1676 1661 1650
170000 541 537 532 529 527 521 1817 1807 1797 1785 1770 1758
180000 557 554 548 546 543 537 1926 1916 1905 1894 1879 1867
190000 574 570 565 563 560 554 2035 2025 2014 2003 1988 1976
200000 591 587 581 579 577 570 2144 2134 2123 2112 2097 2085
210000 607 603 598 596 593 587 2253 2243 2232 2221 2206 2194
220000 624 620 615 612 610 604 2362 2352 2341 2329 2314 2302
230000 640 637 631 629 626 620 2470 2460 2450 2438 2423 2411
240000 657 653 648 646 643 637 2579 2569 2558 2547 2532 2520
250000 674 670 664 662 660 653 2688 2678 2667 2656 2641 2629
260000 690 687 681 679 676 670 2797 2787 2776 2765 2750 2738
270000 707 703 698 695 693 687 2906 2896 2885 2873 2859 2847
280000 723 720 714 712 709 703 3015 3005 2994 2982 2967 2955
290000 740 736 731 729 726 720 3123 3113 3103 3091 3076 3064
300000 757 753 747 745 743 736 3232 3222 3211 3200 3185 3173
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
Deductible Deductible
NOTE: Rounding may result in a $1 to $2 variance in premium.
Long Distance Service Class
Comprehensive Collision
EXTRA HEAVY TRUCKS
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
MISSOURI VALUES IN EXCESS OF $90,000
Original
Cost New $50 $100 $250 $500 $1,000 $2,000 $100 $250 $500 $1,000 $2,000 $3,000
91000 410 406 400 398 396 389 958 948 937 925 910 899
92000 411 407 402 400 397 391 969 959 948 936 921 909
93000 413 409 404 401 399 393 979 969 959 947 932 920
94000 415 411 405 403 401 394 990 980 970 958 943 931
95000 416 412 407 405 402 396 1001 991 980 969 954 942
96000 418 414 409 406 404 398 1012 1002 991 980 965 953
97000 420 416 410 408 406 399 1023 1013 1002 991 976 964
98000 421 417 412 410 407 401 1034 1024 1013 1002 987 975
99000 423 419 414 411 409 403 1045 1035 1024 1013 998 986
100000 425 421 415 413 411 404 1056 1046 1035 1023 1008 997
110000 441 437 432 430 427 421 1164 1154 1144 1132 1117 1105
120000 458 454 448 446 444 437 1273 1263 1252 1241 1226 1214
130000 474 471 465 463 460 454 1382 1372 1361 1350 1335 1323
140000 491 487 482 480 477 471 1491 1481 1470 1459 1444 1432
150000 508 504 498 496 494 487 1600 1590 1579 1568 1553 1541
160000 524 520 515 513 510 504 1709 1699 1688 1676 1661 1650
170000 541 537 532 529 527 521 1817 1807 1797 1785 1770 1758
180000 557 554 548 546 543 537 1926 1916 1905 1894 1879 1867
190000 574 570 565 563 560 554 2035 2025 2014 2003 1988 1976
200000 591 587 581 579 577 570 2144 2134 2123 2112 2097 2085
210000 607 603 598 596 593 587 2253 2243 2232 2221 2206 2194
220000 624 620 615 612 610 604 2362 2352 2341 2329 2314 2302
230000 640 637 631 629 626 620 2470 2460 2450 2438 2423 2411
240000 657 653 648 646 643 637 2579 2569 2558 2547 2532 2520
250000 674 670 664 662 660 653 2688 2678 2667 2656 2641 2629
260000 690 687 681 679 676 670 2797 2787 2776 2765 2750 2738
270000 707 703 698 695 693 687 2906 2896 2885 2873 2859 2847
280000 723 720 714 712 709 703 3015 3005 2994 2982 2967 2955
290000 740 736 731 729 726 720 3123 3113 3103 3091 3076 3064
300000 757 753 747 745 743 736 3232 3222 3211 3200 3185 3173
Comprehensive Age Factor: Collision Age Factors:
1,2,3 yrs = 1 1,2,3 yrs = 1
4 yrs = 0.835 4 yrs = 0.8
5 yrs = 0.735 5 yrs = 0.7
6 yrs = 0.633 6 yrs = 0.6
~~~ For trucks used in Dumping, multiply premiums by: Comprehensive 1.00
(Dumping MUST be incidental) Collision 1.50
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision
Deductible Deductible
EXTRA HEAVY TRUCKS
Long Distance Retail & Commercial Class
COMMERCIAL AUTOMOBILE RATES
PHYSICAL DAMAGE PREMIUMS
Missouri
Primary Secondary
Description -- Experience Class Factor Description -- Use Class Factor
All Operators Not Driven to
Licensed Over 5 Years 0.75 Work or School 0.00
Operators Licensed less than Driven to Work
5 yrs not Owner or Principal Oper. 1.25 Less than 15 Miles 0.15
Owner or Principal Operator Driven to Work
Licensed less than 5 years 1.75 More than 15 Miles 0.25
Primary and Secondary factors are added together and then multiplied by the BI, PD, Comp & Collision Premiums
Vehicle Type Coverages Rating Basis
Funeral Cars Liability (BI, PD, MED PAY, UM/UIM) .70 times the Private Passenger Type Rates
(Processional use only) Comprehensive & Collision .70 times the Private Passenger Type Rates
Hearses & Flower Cars Liability (BI, PD, MED PAY, UM/UIM) .60 times the Local Truck Rates
Comprehensive & Collision .45 times the Local Truck Rates
BODILY INJURY & PROPERTY DAMAGE
Territory 50/100/50 100/300/100 250/500/100 300/300/100 300 CSL 500 CSL 1M CSL
102 401 462 576 556 566 624 711
104 349 403 501 484 493 543 619
105 303 349 434 420 427 471 537106 323 372 463 448 455 502 572
108 480 553 688 665 677 746 851109 308 355 442 427 435 479 547
110 521 601 748 723 735 811 924
112 453 522 650 628 639 704 803
116 397 458 570 551 560 618 704
117 340 392 487 471 479 528 602
125 376 433 540 521 530 585 667
126 346 399 497 480 489 539 614
127 320 368 459 443 451 497 567
128 298 344 428 413 420 464 529
129 269 310 386 373 379 418 477
131 349 403 502 485 493 544 620
132 396 456 568 549 558 616 702
133 346 399 497 480 489 539 614
134 349 403 501 484 493 543 619
135 373 430 535 517 526 580 662
136 358 413 514 497 506 558 636
137 332 383 477 461 469 517 590
138 254 293 365 353 359 396 451
NOTE: Rounding may result in a $1 to $2 variance in premium.
Missouri
Territory $1,000 $2,000 $5,000
All 21 29 42
Limit
Coverage UM UIM UM UIM UM UIM UM UIM UM UIM UM UIM UM UIM
Individual or
Married Couple 20 9 26 16 26 40 32 45 30 42 35 50 41 62
All Others 16 9 21 16 24 40 27 45 25 42 29 50 34 62
NOTE: Rounding may result in a $1 to $2 variance in premium.
624
Commercial Automobile Rates For Private Passenger Type Vehicles Liability Premiums
Limit
1 M CSL
UNINSURED / UNDERINSURED MOTORISTS500 CSL50/100/50 100/300/100 300/300/100 250/500/100 300 CSL
CLASS FACTORS
FUNERAL DIRECTORS
MEDICAL PAYMENTS
Commercial Automobile Rates For Private Passenger Type Vehicles
MIDWEST FAMILY MUTUAL CA-21 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 57 36 29 138 107 89 31 19 16 101 78 65
$0 - 2,3 48 30 25 117 91 75 26 17 13 86 67 55
4,500 4,5 43 27 22 103 80 67 23 15 12 76 59 49
6 31 20 16 76 59 49 17 11 9 56 43 36
1 85 64 57 164 133 115 46 35 31 120 97 84
4501 - 2,3 72 54 48 140 113 98 39 29 26 102 83 72
6,000 4,5 64 48 43 123 100 86 35 26 23 90 73 63
6 47 35 31 90 73 63 25 19 17 66 54 46
1 122 101 92 196 163 137 66 55 50 144 120 100
6,001 - 2,3 104 86 78 166 139 116 56 47 43 122 102 85
8,000 4,5 91 76 69 147 122 103 50 41 38 108 90 75
6 67 55 51 108 90 75 36 30 28 79 66 55
1 170 149 141 234 202 175 93 81 76 172 148 129
8,001 - 2,3 145 127 120 199 171 149 79 69 65 146 126 109
10,000 4,5 128 112 105 176 151 132 69 61 57 129 111 96
6 94 82 77 129 111 96 51 45 42 95 81 71
1 219 198 190 270 238 211 119 108 103 198 174 155
10,001 - 2,3 186 168 161 230 202 180 101 92 88 168 148 132
15,000 4,5 165 149 142 203 178 158 89 81 77 149 131 116
6 121 109 104 149 131 116 66 59 57 109 96 85
1 296 274 266 324 291 265 161 149 145 238 214 194
15,001 - 2,3 251 233 226 276 248 225 137 127 123 202 182 165
20,000 4,5 222 206 199 243 218 199 121 112 108 178 160 146
6 163 151 146 178 160 146 88 82 80 131 117 107
1 401 380 371 423 391 364 218 206 202 310 286 267
20,001 - 2,3 341 323 316 360 332 310 185 176 172 264 243 227
25,000 4,5 301 285 279 318 293 273 164 155 151 233 215 200
6 221 209 204 233 215 200 120 114 111 171 157 147
1 550 529 521 491 458 432 299 288 283 360 336 317
25,001 - 2,3 468 450 443 417 389 367 254 244 241 306 286 269
40,000 4,5 413 397 391 368 344 324 224 216 212 270 252 237
6 303 291 286 270 252 238 165 158 156 198 185 174
1 769 748 739 579 546 520 418 407 402 425 401 381
40,001 - 2,3 654 636 629 492 465 442 355 346 342 361 341 324
60,000 4,5 577 561 555 434 410 390 314 305 301 318 300 286
6 423 411 407 319 301 286 230 224 221 234 220 210
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
Territory 102 Territory 104
CollisionComprehensive
Deductible
Comprehensive Collision
Deductible
MIDWEST FAMILY MUTUAL CA-23 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 31 19 16 102 79 66 32 20 16 130 101 84
$0 - 2,3 26 16 13 87 67 56 28 17 14 110 85 71
4,500 4,5 23 15 12 76 59 49 24 15 12 97 75 63
6 17 11 9 56 43 36 18 11 9 71 55 46
1 46 34 31 121 98 85 48 36 32 155 125 108
4501 - 2,3 39 29 26 103 83 72 41 31 28 131 106 92
6,000 4,5 34 26 23 91 74 64 36 27 24 116 94 81
6 25 19 17 67 54 47 27 20 18 85 69 60
1 66 55 50 145 120 101 69 57 53 184 154 129
6,001 - 2,3 56 46 42 123 102 86 59 49 45 157 130 109
8,000 4,5 49 41 37 109 90 76 52 43 39 138 115 97
6 36 30 27 80 66 56 38 32 29 101 84 71
1 92 81 76 173 149 130 97 85 80 221 190 165
8,001 - 2,3 78 69 65 147 127 110 82 72 68 188 161 140
10,000 4,5 69 61 57 130 112 97 73 64 60 166 142 124
6 51 44 42 95 82 71 53 47 44 121 104 91
1 119 107 103 200 175 156 125 113 108 255 224 199
10,001 - 2,3 101 91 87 170 149 133 106 96 92 216 190 169
15,000 4,5 89 80 77 150 132 117 94 85 81 191 168 149
6 65 59 56 110 97 86 69 62 59 140 123 109
1 160 149 144 239 215 196 168 156 151 305 274 250
15,001 - 2,3 136 126 122 204 183 166 143 133 129 259 233 212
20,000 4,5 120 111 108 180 161 147 126 117 114 229 206 187
6 88 82 79 132 118 108 93 86 83 168 151 137
1 217 206 201 313 289 269 228 216 211 399 368 343
20,001 - 2,3 185 175 171 266 245 229 194 184 180 339 313 292
25,000 4,5 163 154 151 235 216 202 171 162 159 299 276 257
6 119 113 111 172 159 148 126 119 116 219 202 189
1 298 286 282 363 339 319 313 301 296 462 431 407
25,001 - 2,3 253 243 240 308 288 271 266 256 252 393 367 346
40,000 4,5 223 215 211 272 254 239 235 226 222 347 324 305
6 164 158 155 200 186 176 172 166 163 254 237 224
1 416 405 400 428 404 384 438 426 421 545 515 490
40,001 - 2,3 354 344 340 364 343 327 372 362 358 464 437 416
60,000 4,5 312 304 300 321 303 288 328 319 316 409 386 367
6 229 223 220 235 222 211 241 234 232 300 283 269
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
105 106
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
MIDWEST FAMILY MUTUAL CA-24 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 42 26 21 122 94 78 39 24 20 111 86 71
$0 - 2,3 36 22 18 103 80 67 33 21 17 94 73 61
4,500 4,5 32 20 16 91 71 59 29 18 15 83 64 53
6 23 15 12 67 52 43 21 13 11 61 47 39
1 63 47 42 145 117 101 58 43 39 132 107 92
4501 - 2,3 53 40 36 123 100 86 49 37 33 112 91 78
6,000 4,5 47 35 32 109 88 76 43 33 29 99 80 69
6 35 26 23 80 65 56 32 24 21 73 59 51
1 90 75 68 173 144 121 83 69 63 157 131 110
6,001 - 2,3 77 63 58 147 122 103 71 58 53 134 111 93
8,000 4,5 68 56 51 130 108 91 62 52 47 118 98 82
6 50 41 38 95 79 66 46 38 35 87 72 60
1 126 110 104 207 178 155 116 102 96 188 162 141
8,001 - 2,3 107 94 89 176 151 132 99 87 82 160 138 120
10,000 4,5 95 83 78 155 133 116 87 76 72 141 121 106
6 69 61 57 114 98 85 64 56 53 104 89 77
1 162 147 140 239 210 186 150 135 129 217 191 170
10,001 - 2,3 138 125 119 203 178 158 127 115 110 185 162 144
15,000 4,5 122 110 105 179 157 140 112 101 97 163 143 127
6 89 81 77 131 115 103 82 74 71 119 105 93
1 219 203 197 286 257 234 202 187 182 260 234 213
15,001 - 2,3 186 173 167 243 218 199 172 159 154 221 199 181
20,000 4,5 164 152 148 214 193 175 151 140 136 195 176 160
6 120 112 108 157 141 129 111 103 100 143 129 117
1 297 281 275 374 345 321 274 259 253 340 314 293
20,001 - 2,3 252 239 234 318 293 273 233 220 215 289 267 249
25,000 4,5 223 211 206 280 258 241 205 194 190 255 235 220
6 163 155 151 205 190 177 151 143 139 187 173 161
1 407 392 385 433 404 381 376 361 355 394 368 347
25,001 - 2,3 346 333 328 368 344 324 319 307 302 335 313 295
40,000 4,5 306 294 289 325 303 286 282 271 267 296 276 260
6 224 215 212 238 222 210 207 199 195 217 202 191
1 569 554 547 511 482 459 525 510 505 465 439 418
40,001 - 2,3 484 471 465 434 410 390 446 434 429 396 373 355
60,000 4,5 427 415 411 383 362 344 394 383 378 349 329 313
6 313 305 301 281 265 252 289 281 278 256 241 230
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Physical Damage Premiums
Private Passenger Types
108 109
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
MIDWEST FAMILY MUTUAL CA-25 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 36 23 18 128 99 83 65 41 33 136 105 88
$0 - 2,3 31 19 16 109 84 70 55 35 28 116 90 74
4,500 4,5 27 17 14 96 75 62 49 31 25 102 79 66
6 20 13 10 71 55 45 36 22 18 75 58 48
1 54 41 36 153 124 107 97 73 65 162 131 113
4,501 - 2,3 46 34 31 130 105 91 82 62 55 138 112 96
6,000 4,5 41 30 27 115 93 80 73 55 49 121 98 85
6 30 22 20 84 68 59 53 40 36 89 72 62
1 78 64 59 182 152 127 139 115 105 193 161 135
6,001 - 2,3 66 54 50 155 129 108 118 98 90 164 137 115
8,000 4,5 58 48 44 137 114 95 104 86 79 145 121 101
6 43 35 32 100 83 70 77 63 58 106 88 74
1 108 95 89 218 188 163 195 170 161 231 199 173
8,001 - 2,3 92 81 76 185 160 139 165 145 137 197 169 147
10,000 4,5 81 71 67 164 141 122 146 128 121 174 149 130
6 60 52 49 120 103 90 107 94 88 127 109 95
1 140 126 121 252 221 197 251 226 217 267 234 208
10,001 - 2,3 119 107 103 214 188 167 213 192 184 227 199 177
15,000 4,5 105 95 90 189 166 147 188 170 163 200 176 156
6 77 69 66 138 122 108 138 125 119 147 129 115
1 188 175 169 302 271 247 338 314 304 320 287 262
15,001 - 2,3 160 148 144 256 230 210 287 267 258 272 244 222
20,000 4,5 141 131 127 226 203 185 253 235 228 240 216 196
6 103 96 93 166 149 136 186 172 167 176 158 144
1 255 242 236 394 364 339 458 434 424 418 385 360
20,001 - 2,3 217 205 201 335 309 288 390 369 361 355 328 306
25,000 4,5 191 181 177 296 273 254 344 326 318 313 289 270
6 140 133 130 217 200 186 252 239 233 230 212 198
1 350 337 331 457 426 402 629 605 595 485 452 426
25,001 - 2,3 298 286 282 388 362 342 535 514 506 412 384 362
40,000 4,5 263 252 248 343 320 301 472 453 446 363 339 320
6 193 185 182 251 235 221 346 333 327 266 249 234
1 489 476 470 539 509 484 879 855 845 572 539 513
40,001 - 2,3 416 404 400 458 432 411 747 726 718 486 458 436
60,000 4,5 367 357 353 404 381 363 659 641 634 429 404 385
6 269 262 259 297 280 266 483 470 465 314 297 282
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
DeductibleDeductible
CollisionComprehensive
112110
Collision
Deductible Deductible
Comprehensive
Private Passenger Types
Physical Damage Premiums
Commercial Automobile Rates
MIDWEST FAMILY MUTUAL CA-26 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 45 28 23 130 100 83 57 36 29 130 101 84
$0 - 2,3 38 24 20 110 85 71 48 30 25 111 86 71
4,500 4,5 34 21 17 97 75 62 43 27 22 98 76 63
6 25 16 13 71 55 46 31 20 16 72 55 46
1 67 51 45 154 125 108 85 64 57 155 125 108
4501 - 2,3 57 43 38 131 106 92 72 54 48 132 107 92
6,000 4,5 51 38 34 116 94 81 64 48 43 116 94 81
6 37 28 25 85 69 59 47 35 31 85 69 60
1 97 80 73 184 153 128 122 101 92 185 154 129
6,001 - 2,3 82 68 62 156 130 109 104 86 78 157 131 110
8,000 4,5 73 60 55 138 115 96 92 76 69 139 115 97
6 53 44 40 101 84 71 67 55 51 102 85 71
1 135 118 112 220 189 165 171 149 141 221 190 166
8,001 - 2,3 115 101 95 187 161 140 145 127 120 188 162 141
10,000 4,5 101 89 84 165 142 124 128 112 106 166 143 124
6 74 65 61 121 104 91 94 82 77 122 105 91
1 174 157 151 254 223 198 220 198 190 255 224 199
10,001 - 2,3 148 134 128 216 190 169 187 169 161 217 191 169
15,000 4,5 131 118 113 190 167 149 165 149 142 191 168 150
6 96 86 83 140 123 109 121 109 104 140 123 110
1 235 218 211 304 274 249 296 275 266 306 275 250
15,001 - 2,3 199 185 179 259 233 212 252 234 226 260 234 213
20,000 4,5 176 163 158 228 205 187 222 206 200 229 206 188
6 129 120 116 167 150 137 163 151 146 168 151 138
1 318 301 295 398 367 342 402 380 372 400 369 344
20,001 - 2,3 271 256 251 338 312 291 341 323 316 340 313 292
25,000 4,5 239 226 221 298 275 257 301 285 279 300 276 258
6 175 166 162 219 202 188 221 209 205 220 203 189
1 437 420 413 461 430 406 551 530 521 463 432 408
25,001 - 2,3 371 357 351 392 366 345 468 450 443 394 368 347
40,000 4,5 328 315 310 346 323 304 413 397 391 348 324 306
6 240 231 227 254 237 223 303 291 287 255 238 224
1 610 594 587 544 513 489 770 749 740 547 516 491
40,001 - 2,3 519 505 499 462 436 415 655 637 629 465 438 417
60,000 4,5 458 445 440 408 385 366 578 562 555 410 387 368
6 336 326 323 299 282 269 424 412 407 301 284 270
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
116 117
MIDWEST FAMILY MUTUAL CA-27 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 44 28 22 147 114 95 38 24 19 108 84 70
$0 - 2,3 38 24 19 125 97 81 32 20 17 92 71 59
4,500 4,5 33 21 17 111 86 71 29 18 15 81 63 52
6 24 15 12 81 63 52 21 13 11 60 46 38
1 66 49 44 175 142 123 57 43 38 129 104 90
4501 - 2,3 56 42 37 149 121 104 48 36 32 110 89 77
6,000 4,5 49 37 33 132 107 92 43 32 29 97 78 68
6 36 27 24 97 78 68 31 23 21 71 57 50
1 94 78 71 209 174 146 82 68 62 154 128 107
6,001 - 2,3 80 66 61 178 148 124 70 57 53 131 109 91
8,000 4,5 71 59 54 157 131 110 61 51 46 115 96 81
6 52 43 39 115 96 80 45 37 34 85 70 59
1 132 116 109 251 216 187 114 100 94 184 158 138
8,001 - 2,3 112 98 93 213 183 159 97 85 80 157 135 117
10,000 4,5 99 87 82 188 162 141 86 75 71 138 119 103
6 73 64 60 138 119 103 63 55 52 101 87 76
1 170 154 147 289 254 226 147 133 127 212 187 166
10,001 - 2,3 145 131 125 246 216 192 125 113 108 181 159 141
15,000 4,5 128 115 110 217 190 169 110 100 95 159 140 124
6 94 84 81 159 140 124 81 73 70 117 103 91
1 229 213 206 346 311 283 198 184 178 255 229 208
15,001 - 2,3 195 181 175 295 265 241 169 157 152 216 195 177
20,000 4,5 172 160 155 260 234 212 149 138 134 191 172 156
6 126 117 113 191 171 156 109 101 98 140 126 115
1 311 294 288 453 418 389 269 255 249 333 307 286
20,001 - 2,3 264 250 245 385 355 331 229 217 212 283 261 243
25,000 4,5 233 221 216 339 313 292 202 191 187 250 230 215
6 171 162 158 249 230 214 148 140 137 183 169 157
1 427 410 404 525 490 462 369 355 349 386 360 339
25,001 - 2,3 363 349 343 446 416 392 314 302 297 328 306 288
40,000 4,5 320 308 303 394 367 346 277 266 262 289 270 255
6 235 226 222 289 269 254 203 195 192 212 198 187
1 596 580 573 619 584 556 516 502 496 455 429 409
40,001 - 2,3 507 493 487 526 497 473 439 427 422 387 365 347
60,000 4,5 447 435 430 464 438 417 387 376 372 341 322 307
6 328 319 315 341 321 306 284 276 273 250 236 225
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
125 126
MIDWEST FAMILY MUTUAL CA-28 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 40 25 21 133 103 86 52 33 26 133 103 86
$0 - 2,3 34 22 17 113 88 73 44 28 22 113 88 73
4,500 4,5 30 19 15 100 77 64 39 24 20 100 77 64
6 22 14 11 73 57 47 29 18 15 73 57 47
1 60 45 40 159 129 111 77 58 52 159 129 111
4501 - 2,3 51 38 34 135 109 94 66 49 44 135 109 94
6,000 4,5 45 34 30 119 96 83 58 44 39 119 96 83
6 33 25 22 87 71 61 43 32 29 87 71 61
1 86 71 65 189 158 132 111 92 84 189 158 132
6,001 - 2,3 73 61 56 161 134 112 94 78 71 161 134 112
8,000 4,5 65 54 49 142 118 99 83 69 63 142 118 99
6 48 39 36 104 87 73 61 50 46 104 87 73
1 121 106 100 227 195 170 155 136 128 227 195 170
8,001 - 2,3 103 90 85 193 166 144 132 116 109 193 166 144
10,000 4,5 91 79 75 170 146 127 116 102 96 170 146 127
6 66 58 55 125 107 93 85 75 70 125 107 93
1 155 140 134 262 230 204 200 181 173 262 230 204
10,001 - 2,3 132 119 114 222 195 174 170 153 147 222 195 174
15,000 4,5 117 105 101 196 172 153 150 135 130 196 172 153
6 86 77 74 144 126 112 110 99 95 144 126 112
1 210 195 189 314 282 256 269 250 242 314 282 256
15,001 - 2,3 178 165 160 267 240 218 229 213 206 267 240 218
20,000 4,5 157 146 141 235 211 192 202 188 182 235 211 192
6 115 107 104 172 155 141 148 138 133 172 155 141
1 284 269 263 410 378 353 366 346 338 410 378 353
20,001 - 2,3 242 229 224 348 321 300 311 294 288 348 321 300
25,000 4,5 213 202 197 307 283 264 274 260 254 307 283 264
6 156 148 145 225 208 194 201 190 186 225 208 194
1 390 375 369 475 443 418 502 482 475 475 443 418
25,001 - 2,3 332 319 314 404 377 355 426 410 403 404 377 355
40,000 4,5 293 281 277 356 332 313 376 362 356 356 332 313
6 215 206 203 261 244 230 276 265 261 261 244 230
1 545 530 524 560 529 503 701 682 674 560 529 503
40,001 - 2,3 463 451 446 476 449 428 596 579 573 476 449 428
60,000 4,5 409 398 393 420 397 377 526 511 505 420 397 377
6 300 292 288 308 291 277 386 375 371 308 291 277
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible DeductibleDeductible Deductible
Private Passenger Types
127
Physical Damage Premiums
Commercial Automobile Rates
128
Comprehensive Collision Comprehensive Collision
MIDWEST FAMILY MUTUAL CA-29 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 29 18 15 90 69 58 47 29 24 113 87 73
$0 - 2,3 25 15 12 76 59 49 40 25 20 96 74 62
4,500 4,5 22 14 11 67 52 43 35 22 18 85 66 54
6 16 10 8 49 38 32 26 16 13 62 48 40
1 43 32 29 107 86 75 69 52 47 134 109 94
4501 - 2,3 37 27 24 91 74 64 59 44 40 114 92 80
6,000 4,5 32 24 22 80 65 56 52 39 35 101 82 71
6 24 18 16 59 48 41 38 29 26 74 60 52
1 62 51 47 127 106 89 100 82 75 160 133 112
6,001 - 2,3 53 43 40 108 90 76 85 70 64 136 113 95
8,000 4,5 46 38 35 96 80 67 75 62 57 120 100 84
6 34 28 26 70 58 49 55 45 41 88 73 62
1 86 76 71 153 131 114 139 122 115 192 165 144
8,001 - 2,3 73 64 61 130 111 97 118 104 98 163 140 122
10,000 4,5 65 57 53 114 98 86 105 91 86 144 124 108
6 47 42 39 84 72 63 77 67 63 106 91 79
1 111 100 96 176 154 137 179 162 155 221 194 173
10,001 - 2,3 94 85 82 149 131 117 153 138 132 188 165 147
15,000 4,5 83 75 72 132 116 103 135 122 116 166 146 130
6 61 55 53 97 85 76 99 89 85 122 107 95
1 150 139 135 211 189 172 242 225 218 265 238 217
15,001 - 2,3 127 118 115 179 161 147 206 191 185 225 203 184
20,000 4,5 112 104 101 158 142 129 181 168 163 199 179 163
6 82 76 74 116 104 95 133 123 120 146 131 119
1 203 192 188 275 254 237 328 311 304 347 320 298
20,001 - 2,3 173 164 160 234 216 201 279 264 258 295 272 253
25,000 4,5 152 144 141 207 191 178 246 233 228 260 240 224
6 112 106 103 151 140 130 180 171 167 191 176 164
1 279 268 264 319 298 281 450 433 426 402 375 353
25,001 - 2,3 237 228 224 271 253 239 383 368 362 342 319 300
40,000 4,5 209 201 198 240 224 211 338 325 319 301 281 265
6 153 147 145 176 164 155 248 238 234 221 206 194
1 390 379 375 377 355 338 629 612 605 474 447 426
40,001 - 2,3 331 322 318 320 302 288 535 520 514 403 380 362
60,000 4,5 292 284 281 283 267 254 472 459 454 356 335 319
6 214 208 206 207 196 186 346 336 333 261 246 234
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
129 131
MIDWEST FAMILY MUTUAL CA-30 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 42 26 21 108 84 70 30 19 15 91 71 59
$0 - 2,3 35 22 18 92 71 59 25 16 13 78 60 50
4,500 4,5 31 20 16 81 63 52 22 14 11 69 53 44
6 23 14 12 60 46 38 16 10 8 50 39 32
1 62 46 41 129 104 90 44 33 30 109 88 76
4501 - 2,3 53 39 35 110 89 77 38 28 25 92 75 65
6,000 4,5 46 35 31 97 78 68 33 25 22 82 66 57
6 34 26 23 71 57 50 24 18 16 60 48 42
1 89 73 67 154 128 107 63 52 48 130 108 91
6,001 - 2,3 76 62 57 131 109 91 54 45 41 110 92 77
8,000 4,5 67 55 50 115 96 81 48 39 36 97 81 68
6 49 40 37 85 70 59 35 29 26 71 59 50
1 124 109 102 184 158 138 89 78 73 155 134 116
8,001 - 2,3 106 92 87 157 135 117 75 66 62 132 114 99
10,000 4,5 93 82 77 138 119 103 67 58 55 117 100 87
6 68 60 56 101 87 76 49 43 40 85 74 64
1 160 144 138 212 187 166 114 103 99 179 157 140
10,001 - 2,3 136 123 117 181 159 141 97 88 84 152 134 119
15,000 4,5 120 108 104 159 140 124 86 77 74 134 118 105
6 88 79 76 117 103 91 63 57 54 99 87 77
1 215 200 194 255 229 208 154 143 138 215 193 176
15,001 - 2,3 183 170 165 216 195 177 131 121 118 183 164 149
20,000 4,5 162 150 145 191 172 156 115 107 104 161 145 132
6 119 110 107 140 126 115 85 79 76 118 106 97
1 292 277 271 333 307 286 209 198 193 281 259 242
20,001 - 2,3 248 235 230 283 261 243 177 168 164 239 220 205
25,000 4,5 219 208 203 250 230 215 157 148 145 211 194 181
6 161 152 149 183 169 157 115 109 106 154 142 133
1 401 386 379 386 360 339 286 275 271 325 304 286
25,001 - 2,3 341 328 323 328 306 288 244 234 230 277 258 243
40,000 4,5 301 289 285 289 270 255 215 207 203 244 228 215
6 221 212 209 212 198 187 158 151 149 179 167 157
1 561 545 539 455 429 409 400 389 385 384 362 345
40,001 - 2,3 476 463 458 387 365 347 340 331 327 326 308 293
60,000 4,5 420 409 404 341 322 307 300 292 289 288 272 259
6 308 300 296 250 236 225 220 214 212 211 199 190
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
132 133
MIDWEST FAMILY MUTUAL CA-31 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 43 27 22 108 84 70 44 27 22 116 90 75
$0 - 2,3 37 23 19 92 71 59 37 23 19 99 76 63
4,500 4,5 33 20 17 81 63 52 33 21 17 87 67 56
6 24 15 12 60 46 38 24 15 12 64 49 41
1 65 49 43 129 104 90 65 49 44 138 112 97
4501 - 2,3 55 41 37 110 89 77 55 41 37 117 95 82
6,000 4,5 49 36 33 97 78 68 49 37 33 104 84 73
6 36 27 24 71 57 50 36 27 24 76 62 53
1 93 77 70 154 128 107 93 77 71 165 137 115
6,001 - 2,3 79 65 60 131 109 91 79 66 60 140 117 98
8,000 4,5 70 58 53 115 96 81 70 58 53 124 103 86
6 51 42 39 85 70 59 51 42 39 91 75 63
1 130 114 107 184 158 138 131 114 108 197 170 148
8,001 - 2,3 111 97 91 157 135 117 111 97 92 168 144 125
10,000 4,5 98 85 81 138 119 103 98 86 81 148 127 111
6 72 63 59 101 87 76 72 63 59 109 93 81
1 167 151 145 212 187 166 168 152 145 228 200 178
10,001 - 2,3 142 129 123 181 159 141 143 129 123 193 170 151
15,000 4,5 126 113 109 159 140 124 126 114 109 171 150 133
6 92 83 80 117 103 91 92 83 80 125 110 98
1 226 210 203 255 229 208 227 210 204 273 245 223
15,001 - 2,3 192 178 173 216 195 177 193 179 173 232 208 190
20,000 4,5 169 157 152 191 172 156 170 158 153 205 184 167
6 124 115 112 140 126 115 125 116 112 150 135 123
1 306 290 284 333 307 286 307 291 285 356 329 307
20,001 - 2,3 260 247 241 283 261 243 261 247 242 303 279 261
25,000 4,5 230 218 213 250 230 215 230 218 213 267 247 230
6 168 160 156 183 169 157 169 160 156 196 181 169
1 420 404 398 386 360 339 422 405 399 413 386 364
25,001 - 2,3 357 343 338 328 306 288 358 345 339 351 328 309
40,000 4,5 315 303 298 289 270 255 316 304 299 310 289 273
6 231 222 219 212 198 187 232 223 219 227 212 200
1 587 571 565 455 429 409 589 573 566 488 460 438
40,001 - 2,3 499 485 480 387 365 347 501 487 481 414 391 372
60,000 4,5 440 428 423 341 322 307 442 430 425 366 345 328
6 323 314 310 250 236 225 324 315 312 268 253 241
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
134 135
MIDWEST FAMILY MUTUAL CA-32 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500 $50 $100 $250 $100 $250 $500
1 50 32 26 134 103 86 33 21 17 98 76 63
$0 - 2,3 43 27 22 113 88 73 28 18 14 83 64 53
4,500 4,5 38 24 19 100 77 64 25 16 13 73 57 47
6 28 17 14 73 57 47 18 12 9 54 42 35
1 75 56 50 159 129 111 50 37 33 116 94 81
4501 - 2,3 64 48 43 135 109 95 42 32 28 99 80 69
6,000 4,5 56 42 38 119 97 83 37 28 25 87 71 61
6 41 31 28 87 71 61 27 21 18 64 52 45
1 108 89 81 190 158 132 71 59 54 139 116 97
6,001 - 2,3 92 76 69 161 134 113 61 50 46 118 98 82
8,000 4,5 81 67 61 142 118 99 54 44 41 104 87 73
6 59 49 45 104 87 73 39 32 30 76 64 53
1 150 132 124 227 195 170 100 87 82 166 143 124
8,001 - 2,3 128 112 106 193 166 144 85 74 70 141 122 106
10,000 4,5 113 99 93 170 146 127 75 66 62 125 107 93
6 83 72 68 125 107 93 55 48 45 91 79 68
1 194 175 167 262 230 204 128 116 111 192 168 150
10,001 - 2,3 165 149 142 222 195 174 109 99 94 163 143 127
15,000 4,5 145 131 126 196 172 153 96 87 83 144 126 112
6 107 96 92 144 126 112 71 64 61 105 93 82
1 261 242 235 314 282 257 173 161 156 230 207 188
15,001 - 2,3 222 206 200 267 240 218 147 137 132 195 176 160
20,000 4,5 196 182 176 235 211 192 130 121 117 172 155 141
6 144 133 129 173 155 141 95 88 86 126 114 103
1 354 335 328 410 378 353 235 223 218 300 277 258
20,001 - 2,3 301 285 279 348 321 300 200 189 185 255 235 220
25,000 4,5 266 252 246 307 284 265 176 167 163 225 208 194
6 195 184 180 225 208 194 129 122 120 165 152 142
1 486 467 460 475 444 418 322 310 305 348 325 306
25,001 - 2,3 413 397 391 404 377 355 274 263 259 296 276 260
40,000 4,5 364 350 345 356 333 314 242 232 229 261 244 230
6 267 257 253 261 244 230 177 170 168 191 179 168
1 679 660 653 561 529 504 451 438 433 411 387 369
40,001 - 2,3 577 561 555 477 450 428 383 372 368 349 329 313
60,000 4,5 509 495 490 421 397 378 338 329 325 308 291 277
6 374 363 359 308 291 277 248 241 238 226 213 203
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
136 137
MIDWEST FAMILY MUTUAL CA-33 9-2012
Missouri
Original Age
Cost New Group $50 $100 $250 $100 $250 $500
1 36 23 19 93 72 60
$0 - 2,3 31 19 16 79 61 51
4,500 4,5 27 17 14 70 54 45
6 20 13 10 51 40 33
1 54 41 36 110 90 77
4501 - 2,3 46 35 31 94 76 66
6,000 4,5 41 31 27 83 67 58
6 30 22 20 61 49 43
1 78 64 59 132 110 92
6,001 - 2,3 66 55 50 112 93 78
8,000 4,5 59 48 44 99 82 69
6 43 35 32 73 60 51
1 109 95 90 158 136 118
8,001 - 2,3 93 81 77 134 115 100
10,000 4,5 82 72 68 118 102 89
6 60 52 50 87 75 65
1 140 127 121 182 160 142
10,001 - 2,3 119 108 103 155 136 121
15,000 4,5 105 95 91 136 120 107
6 77 70 67 100 88 78
1 189 176 170 218 196 178
15,001 - 2,3 161 149 145 185 167 152
20,000 4,5 142 132 128 164 147 134
6 104 97 94 120 108 98
1 257 243 238 285 263 245
20,001 - 2,3 218 207 202 242 224 208
25,000 4,5 193 182 178 214 197 184
6 141 134 131 157 145 135
1 352 339 333 331 308 291
25,001 - 2,3 299 288 283 281 262 247
40,000 4,5 264 254 250 248 231 218
6 194 186 183 182 170 160
1 492 479 473 390 368 350
40,001 - 2,3 418 407 402 331 313 298
60,000 4,5 369 359 355 292 276 263
6 271 263 260 214 202 193
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible
Commercial Automobile Rates
Physical Damage Premiums
Private Passenger Types
138
Comprehensive Collision
MIDWEST FAMILY MUTUAL CA-34 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 74 55
$0 - 2,3 63 46
4,500 4,5 56 41
6 41 30
1 44 31 101 71 24 17 74 52
4501 - 2,3 37 26 86 60 20 14 63 44
6,000 4,5 33 23 75 53 18 12 55 39
6 24 17 55 39 13 9 41 29
1 81 68 58 132 103 79 44 37 32 97 75 58
6,001 - 2,3 69 57 50 112 87 67 37 31 27 82 64 49
8,000 4,5 61 51 44 99 77 59 33 28 24 73 57 44
6 45 37 32 73 57 44 24 20 17 53 41 32
1 130 116 107 171 141 118 70 63 58 125 104 86
8,001 - 2,3 110 99 91 145 120 100 60 54 49 107 88 73
10,000 4,5 97 87 80 128 106 88 53 47 44 94 78 65
6 71 64 59 94 78 65 39 35 32 69 57 48
1 179 165 156 207 177 154 97 90 85 152 130 113
10,001 - 2,3 152 140 132 176 151 131 82 76 72 129 110 96
15,000 4,5 134 124 117 155 133 115 73 67 64 114 97 85
6 98 91 86 114 98 85 53 49 47 83 71 62
1 255 241 232 261 231 208 139 131 126 191 169 152
15,001 - 2,3 217 205 197 222 196 176 118 112 107 162 144 129
20,000 4,5 191 181 174 195 173 156 104 98 95 143 127 114
6 140 133 128 143 127 114 76 72 69 105 93 84
1 360 347 338 360 330 307 196 188 183 264 242 225
20,001 - 2,3 306 295 287 306 281 261 166 160 156 224 206 191
25,000 4,5 270 260 253 270 248 230 147 141 138 198 182 169
6 198 191 186 198 182 169 108 104 101 145 133 124
1 510 496 487 428 398 374 277 270 265 313 292 275
25,001 - 2,3 433 422 414 363 338 318 235 229 225 266 248 233
40,000 4,5 382 372 365 321 298 281 208 202 198 235 219 206
6 280 273 268 235 219 206 152 148 146 172 160 151
1 728 715 706 516 486 463 396 389 384 378 356 339
40,001 - 2,3 619 608 600 438 413 393 336 330 326 321 303 288
60,000 4,5 546 536 529 387 365 347 297 291 288 284 267 254
6 401 393 388 284 267 255 218 214 211 208 196 187
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Physical Damage Premiums
Private Passenger Types
102 104
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
N/A N/A N/A N/AN/A N/A
N/AN/AN/AN/A
MIDWEST FAMILY MUTUAL CA-35 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 55 33 70 42 20
$0 - 2,3 47 28 60 36 17
4,500 4,5 41 25 53 32 15
6 30 18 39 23 11
1 24 17 74 53 35 25 17 95 67 45
4501 - 2,3 20 14 63 45 30 21 15 81 57 38
6,000 4,5 18 12 56 39 26 19 13 71 50 34
6 13 9 41 29 19 14 10 52 37 25
1 44 37 32 98 76 59 46 38 33 125 97 75
6,001 - 2,3 37 31 27 83 65 50 39 33 28 106 82 63
8,000 4,5 33 27 24 73 57 44 35 29 25 93 73 56
6 24 20 17 54 42 32 25 21 18 69 53 41
1 70 63 58 126 104 87 74 66 61 161 133 111
8,001 - 2,3 60 53 49 107 89 74 63 56 52 137 113 94
10,000 4,5 53 47 43 95 78 65 55 50 46 121 100 83
6 39 35 32 69 57 48 41 36 33 89 73 61
1 97 89 84 153 131 114 102 94 89 195 167 145
10,001 - 2,3 82 76 72 130 111 97 86 80 75 166 142 123
15,000 4,5 72 67 63 115 98 85 76 70 67 146 125 109
6 53 49 46 84 72 62 56 52 49 107 92 80
1 138 131 126 193 171 153 145 137 132 245 218 195
15,001 - 2,3 117 111 107 164 145 130 123 117 112 209 185 166
20,000 4,5 103 98 94 144 128 115 109 103 99 184 163 147
6 76 72 69 106 94 84 80 76 73 135 120 108
1 195 188 183 266 244 227 205 197 192 339 311 289
20,001 - 2,3 166 160 155 226 207 193 174 168 163 288 264 246
25,000 4,5 146 141 137 199 183 170 154 148 144 254 233 217
6 107 103 101 146 134 125 113 109 106 186 171 159
1 276 268 264 316 294 277 290 282 277 403 375 353
25,001 - 2,3 234 228 224 268 250 235 247 240 236 342 319 300
40,000 4,5 207 201 198 237 221 208 218 212 208 302 281 264
6 152 148 145 174 162 152 160 155 152 221 206 194
1 394 387 382 381 359 342 415 407 402 486 458 436
40,001 - 2,3 335 329 325 324 305 291 352 346 342 413 389 370
60,000 4,5 296 290 286 286 269 256 311 305 301 364 343 327
6 217 213 210 210 198 188 228 224 221 267 252 240
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible Deductible Deductible
N/AN/A N/A
Physical Damage Premiums
Private Passenger Types
105 106
Comprehensive Collision Comprehensive Collision
N/AN/A
MIDWEST FAMILY MUTUAL CA-36 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 66 60
$0 - 2,3 56 51
4,500 4,5 49 45
6 36 33
1 33 23 89 63 30 21 81 57
4501 - 2,3 28 19 75 53 26 18 69 49
6,000 4,5 24 17 67 47 23 16 61 43
6 18 12 49 34 17 11 44 31
1 60 50 43 117 91 70 55 46 40 106 83 64
6,001 - 2,3 51 43 37 99 77 59 47 39 34 90 70 54
8,000 4,5 45 38 32 88 68 52 42 35 30 80 62 48
6 33 28 24 64 50 38 30 25 22 58 45 35
1 96 86 79 151 125 104 88 79 73 137 114 95
8,001 - 2,3 82 73 67 128 106 88 75 67 62 117 97 81
10,000 4,5 72 64 59 113 94 78 66 59 55 103 85 71
6 53 47 44 83 69 57 49 44 40 76 62 52
1 132 122 115 182 156 136 122 113 106 166 142 124
10,001 - 2,3 112 104 98 155 133 115 104 96 90 141 121 105
15,000 4,5 99 92 87 137 117 102 91 84 80 125 107 93
6 73 67 63 100 86 75 67 62 59 91 78 68
1 189 179 172 230 204 183 174 165 158 209 186 167
15,001 - 2,3 160 152 146 195 173 156 148 140 135 178 158 142
20,000 4,5 142 134 129 172 153 137 130 124 119 157 139 125
6 104 98 95 126 112 101 96 91 87 115 102 92
1 267 257 250 318 291 271 246 237 230 289 265 247
20,001 - 2,3 227 218 212 270 248 230 209 201 196 246 226 210
25,000 4,5 200 193 187 238 219 203 184 177 173 217 199 185
6 147 141 137 175 160 149 135 130 127 159 146 136
1 377 367 360 377 351 330 348 339 332 343 320 301
25,001 - 2,3 321 312 306 321 298 281 296 288 282 292 272 256
40,000 4,5 283 275 270 283 263 248 261 254 249 258 240 226
6 207 202 198 207 193 182 191 186 183 189 176 165
1 539 529 522 455 429 408 497 488 482 414 391 372
40,001 - 2,3 458 450 444 387 365 347 423 415 409 352 332 316
60,000 4,5 404 397 392 341 322 306 373 366 361 311 293 279
6 297 291 287 250 236 225 273 268 265 228 215 204
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Physical Damage Premiums
Private Passenger Types
N/AN/AN/A N/A
108 109
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
N/AN/AN/AN/A
MIDWEST FAMILY MUTUAL CA-37 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 69 73
$0 - 2,3 59 62
4,500 4,5 52 55
6 38 40
1 28 19 94 66 50 35 99 70
4501 - 2,3 24 17 80 56 43 30 84 60
6,000 4,5 21 15 70 50 38 26 74 53
6 15 11 51 36 28 19 55 39
1 52 43 37 123 96 74 93 77 67 131 101 78
6,001 - 2,3 44 37 32 105 81 63 79 66 57 111 86 67
8,000 4,5 39 32 28 92 72 55 69 58 50 98 76 59
6 28 24 20 68 53 41 51 42 37 72 56 43
1 82 74 68 159 132 110 148 133 122 169 140 116
8,001 - 2,3 70 63 58 135 112 93 126 113 104 143 119 99
10,000 4,5 62 55 51 119 99 82 111 99 92 127 105 87
6 45 41 37 88 72 60 81 73 67 93 77 64
1 114 105 99 192 165 143 204 189 178 204 175 152
10,001 - 2,3 97 89 84 164 140 122 173 160 151 173 149 129
15,000 4,5 85 79 74 144 124 107 153 141 134 153 131 114
6 62 58 55 106 91 79 112 104 98 112 96 83
1 162 154 148 243 215 193 291 276 265 257 228 205
15,001 - 2,3 138 131 126 206 183 164 248 234 226 219 194 174
20,000 4,5 122 115 111 182 161 145 218 207 199 193 171 154
6 89 84 81 133 118 106 160 152 146 141 125 113
1 229 221 215 335 307 286 412 396 386 355 326 303
20,001 - 2,3 195 188 183 285 261 243 350 337 328 302 277 257
25,000 4,5 172 165 161 251 231 214 309 297 289 266 244 227
6 126 121 118 184 169 157 226 218 212 195 179 167
1 324 316 310 398 370 348 582 567 556 422 393 370
25,001 - 2,3 276 268 263 338 315 296 495 482 473 359 334 314
40,000 4,5 243 237 232 298 278 261 437 425 417 316 295 277
6 178 174 170 219 204 192 320 312 306 232 216 203
1 463 455 449 480 452 431 832 817 806 509 480 457
40,001 - 2,3 394 387 382 408 385 366 707 694 685 433 408 388
60,000 4,5 348 341 337 360 339 323 624 613 605 382 360 342
6 255 250 247 264 249 237 458 449 443 280 264 251
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Physical Damage Premiums
Private Passenger Types
110 112
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
N/AN/A
N/AN/A
N/A N/A
N/AN/AN/AN/A
MIDWEST FAMILY MUTUAL CA-38 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 70 70
$0 - 2,3 59 60
4,500 4,5 52 53
6 38 39
1 35 24 95 67 44 31 95 67
4501 - 2,3 30 21 80 57 38 26 81 57
6,000 4,5 26 18 71 50 33 23 71 50
6 19 13 52 37 24 17 52 37
1 64 54 46 124 97 75 81 68 59 125 97 75
6,001 - 2,3 55 46 39 106 82 63 69 58 50 106 82 64
8,000 4,5 48 40 35 93 72 56 61 51 44 94 73 56
6 35 30 26 68 53 41 45 37 32 69 53 41
1 103 92 85 161 133 111 130 116 107 161 133 111
8,001 - 2,3 87 78 72 136 113 94 110 99 91 137 113 95
10,000 4,5 77 69 64 120 100 83 97 87 80 121 100 83
6 57 51 47 88 73 61 71 64 59 89 73 61
1 142 131 124 194 167 144 179 165 156 195 167 145
10,001 - 2,3 120 111 105 165 142 123 152 140 133 166 142 123
15,000 4,5 106 98 93 146 125 108 134 124 117 146 125 109
6 78 72 68 107 92 79 98 91 86 107 92 80
1 202 192 184 245 217 195 255 242 233 246 218 196
15,001 - 2,3 172 163 157 208 184 166 217 205 198 209 185 167
20,000 4,5 152 144 138 184 163 146 191 181 174 184 164 147
6 111 105 101 135 119 107 140 133 128 135 120 108
1 286 275 268 338 310 288 361 347 338 340 312 290
20,001 - 2,3 243 234 228 287 264 245 307 295 287 289 265 246
25,000 4,5 214 206 201 254 233 216 271 260 254 255 234 217
6 157 151 147 186 171 159 198 191 186 187 171 159
1 404 394 386 402 374 352 510 497 488 403 376 353
25,001 - 2,3 344 335 328 341 318 299 434 422 414 343 319 300
40,000 4,5 303 295 290 301 280 264 383 373 366 303 282 265
6 222 217 213 221 206 193 281 273 268 222 207 194
1 578 567 560 484 457 435 729 716 707 487 459 437
40,001 - 2,3 491 482 476 412 388 369 620 608 601 414 390 371
60,000 4,5 434 426 420 363 343 326 547 537 530 365 344 328
6 318 312 308 266 251 239 401 394 389 268 252 240
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
N/AN/A
Deductible Deductible Deductible
N/AN/AN/AN/A
Physical Damage Premiums
Private Passenger Types
116 117
Comprehensive Collision Comprehensive Collision
Deductible
N/AN/A N/AN/A
MIDWEST FAMILY MUTUAL CA-39 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 80 58
$0 - 2,3 68 50
4,500 4,5 60 44
6 44 32
1 34 24 108 76 30 21 79 56
4501 - 2,3 29 20 91 65 25 17 67 47
6,000 4,5 26 18 81 57 22 15 59 42
6 19 13 59 42 16 11 43 31
1 63 52 45 141 110 85 54 45 39 104 81 62
6,001 - 2,3 53 45 38 120 93 72 46 39 33 88 69 53
8,000 4,5 47 39 34 106 82 64 41 34 29 78 61 47
6 35 29 25 78 60 47 30 25 22 57 44 34
1 100 90 83 183 151 126 87 78 72 134 111 93
8,001 - 2,3 85 76 70 155 128 107 74 66 61 114 94 79
10,000 4,5 75 67 62 137 113 95 65 58 54 101 83 70
6 55 49 46 101 83 69 48 43 39 74 61 51
1 138 128 121 221 190 164 120 111 105 163 139 121
10,001 - 2,3 118 109 103 188 161 140 102 94 89 138 118 103
15,000 4,5 104 96 91 166 142 123 90 83 78 122 104 91
6 76 70 66 122 104 90 66 61 58 89 77 66
1 198 187 180 279 247 222 171 162 156 205 182 163
15,001 - 2,3 168 159 153 237 210 189 145 138 132 174 154 139
20,000 4,5 148 140 135 209 185 166 128 121 117 154 136 122
6 109 103 99 153 136 122 94 89 86 113 100 90
1 279 269 262 385 353 328 242 233 227 283 260 241
20,001 - 2,3 237 228 222 327 300 279 205 198 193 240 221 205
25,000 4,5 209 202 196 289 265 246 181 174 170 212 195 181
6 154 148 144 212 194 180 133 128 125 156 143 133
1 395 384 377 457 425 400 342 333 327 336 313 294
25,001 - 2,3 336 327 321 388 362 340 291 283 278 286 266 250
40,000 4,5 296 288 283 343 319 300 256 250 245 252 235 221
6 217 211 208 251 234 220 188 183 180 185 172 162
1 564 554 547 551 520 495 489 480 473 405 382 364
40,001 - 2,3 480 471 465 469 442 420 415 408 402 344 325 309
60,000 4,5 423 416 410 414 390 371 366 360 355 304 287 273
6 310 305 301 303 286 272 269 264 260 223 210 200
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
N/AN/AN/AN/A
N/AN/AN/A
Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Physical Damage Premiums
Private Passenger Types
125 126
Comprehensive
N/AN/A
N/A
MIDWEST FAMILY MUTUAL CA-40 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 72 72
$0 - 2,3 61 61
4,500 4,5 54 54
6 40 40
1 31 22 97 69 40 28 97 69
4501 - 2,3 27 18 83 58 34 24 83 58
6,000 4,5 23 16 73 52 30 21 73 52
6 17 12 54 38 22 15 54 38
1 57 48 41 128 99 77 74 62 53 128 99 77
6,001 - 2,3 49 41 35 109 85 65 63 52 45 109 85 65
8,000 4,5 43 36 31 96 75 58 55 46 40 96 75 58
6 32 26 23 70 55 42 41 34 29 70 55 42
1 92 82 76 165 137 114 118 106 97 165 137 114
8,001 - 2,3 78 70 64 141 116 97 100 90 83 141 116 97
10,000 4,5 69 62 57 124 103 86 89 79 73 124 103 86
6 50 45 42 91 75 63 65 58 54 91 75 63
1 127 117 110 200 172 149 163 150 142 200 172 149
10,001 - 2,3 108 99 94 170 146 126 138 128 121 170 146 126
15,000 4,5 95 88 83 150 129 112 122 113 107 150 129 112
6 70 64 61 110 94 82 89 83 78 110 94 82
1 181 171 165 252 224 201 232 220 212 252 224 201
15,001 - 2,3 154 145 140 214 190 171 197 187 180 214 190 171
20,000 4,5 135 128 123 189 168 151 174 165 159 189 168 151
6 99 94 91 139 123 110 128 121 116 139 123 110
1 255 246 239 348 320 297 328 316 308 348 320 297
20,001 - 2,3 217 209 203 296 272 252 279 269 262 296 272 252
25,000 4,5 192 184 179 261 240 223 246 237 231 261 240 223
6 140 135 132 192 176 163 181 174 169 192 176 163
1 361 352 345 414 385 362 464 452 444 414 385 362
25,001 - 2,3 307 299 293 352 327 308 395 384 377 352 327 308
40,000 4,5 271 264 259 310 289 272 348 339 333 310 289 272
6 199 193 190 227 212 199 255 249 244 227 212 199
1 516 507 500 499 470 448 664 651 643 499 470 448
40,001 - 2,3 439 431 425 424 400 381 564 554 547 424 400 381
60,000 4,5 387 380 375 374 353 336 498 489 482 374 353 336
6 284 279 275 274 259 246 365 358 354 274 259 246
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
N/A
N/A N/A
N/A N/A N/A
Physical Damage Premiums
Private Passenger Types
127 128
Comprehensive Collision
N/A
Comprehensive Collision
Deductible Deductible Deductible Deductible
N/AN/AN/A
MIDWEST FAMILY MUTUAL CA-41 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 48 61
$0 - 2,3 41 52
4,500 4,5 36 46
6 27 33
1 22 15 65 46 36 25 82 58
4501 - 2,3 19 13 56 39 31 21 70 49
6,000 4,5 17 12 49 35 27 19 62 44
6 12 9 36 25 20 14 45 32
1 41 34 30 86 67 52 66 55 48 108 84 65
6,001 - 2,3 35 29 25 73 57 44 56 47 41 92 72 55
8,000 4,5 31 26 22 65 50 39 50 41 36 81 63 49
6 23 19 16 47 37 28 36 30 26 60 46 36
1 66 59 54 111 92 77 106 95 87 140 116 97
8,001 - 2,3 56 50 46 95 78 65 90 81 74 119 98 82
10,000 4,5 49 44 41 83 69 58 79 71 66 105 87 72
6 36 32 30 61 51 42 58 52 48 77 64 53
1 90 84 79 135 115 100 146 135 127 169 145 126
10,001 - 2,3 77 71 67 114 98 85 124 115 108 144 123 107
15,000 4,5 68 63 59 101 86 75 110 101 96 127 109 94
6 50 46 43 74 63 55 80 74 70 93 80 69
1 129 122 118 170 150 135 208 197 190 213 189 170
15,001 - 2,3 110 104 100 144 128 115 177 168 161 181 161 144
20,000 4,5 97 92 88 127 113 101 156 148 142 160 142 127
6 71 67 65 93 83 74 115 109 104 117 104 93
1 183 176 171 234 215 200 295 284 276 295 270 251
20,001 - 2,3 155 149 145 199 183 170 250 241 235 250 230 213
25,000 4,5 137 132 128 176 161 150 221 213 207 221 203 188
6 100 97 94 129 118 110 162 156 152 162 149 138
1 258 251 247 278 259 244 417 406 398 350 326 306
25,001 - 2,3 219 214 210 236 220 207 354 345 339 297 277 261
40,000 4,5 194 188 185 209 194 183 313 304 299 262 244 230
6 142 138 136 153 142 134 229 223 219 192 179 169
1 369 362 358 335 316 301 596 585 577 422 398 379
40,001 - 2,3 314 308 304 285 269 256 506 497 491 359 338 322
60,000 4,5 277 272 268 252 237 226 447 439 433 317 298 284
6 203 199 197 185 174 166 328 322 317 232 219 208
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
N/A
N/AN/AN/AN/A
N/AN/AN/AN/A N/A
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
Physical Damage Premiums
Private Passenger Types
129 131
MIDWEST FAMILY MUTUAL CA-42 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 58 49
$0 - 2,3 50 42
4,500 4,5 44 37
6 32 27
1 32 22 79 56 23 16 67 47
4501 - 2,3 27 19 67 47 19 14 57 40
6,000 4,5 24 17 59 42 17 12 50 35
6 18 12 43 31 13 9 37 26
1 59 49 43 104 81 62 42 35 30 88 68 53
6,001 - 2,3 50 42 36 88 69 53 36 30 26 75 58 45
8,000 4,5 44 37 32 78 61 47 32 26 23 66 51 39
6 33 27 23 57 44 34 23 19 17 48 37 29
1 94 85 78 134 111 93 67 60 56 113 94 78
8,001 - 2,3 80 72 66 114 94 79 57 51 47 96 80 66
10,000 4,5 71 63 58 101 83 70 51 45 42 85 70 59
6 52 47 43 74 61 51 37 33 31 62 52 43
1 130 120 114 163 139 121 93 86 81 137 118 102
10,001 - 2,3 111 102 97 138 118 103 79 73 69 117 100 87
15,000 4,5 98 90 85 122 104 91 70 64 61 103 88 76
6 72 66 62 89 77 66 51 47 45 75 65 56
1 186 176 169 205 182 163 133 126 121 173 153 138
15,001 - 2,3 158 150 144 174 154 139 113 107 103 147 130 117
20,000 4,5 139 132 127 154 136 122 100 94 91 130 115 103
6 102 97 93 113 100 90 73 69 66 95 84 76
1 263 253 246 283 260 241 188 181 176 239 219 203
20,001 - 2,3 223 215 209 240 221 205 159 153 149 203 186 173
25,000 4,5 197 190 185 212 195 181 141 135 132 179 164 153
6 144 139 135 156 143 133 103 99 97 131 120 112
1 371 361 355 336 313 294 265 258 253 283 264 248
25,001 - 2,3 316 307 302 286 266 250 225 219 215 241 224 211
40,000 4,5 278 271 266 252 235 221 199 194 190 213 198 186
6 204 199 195 185 172 162 146 142 139 156 145 137
1 531 521 514 405 382 364 379 372 367 342 322 307
40,001 - 2,3 451 443 437 344 325 309 322 316 312 291 274 261
60,000 4,5 398 391 386 304 287 273 284 279 275 256 242 230
6 292 287 283 223 210 200 209 205 202 188 177 169
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible
N/AN/AN/AN/A
N/AN/A
Deductible Deductible Deductible
N/AN/AN/AN/A
132 133
Comprehensive Collision Comprehensive Collision
Physical Damage Premiums
Private Passenger Types
MIDWEST FAMILY MUTUAL CA-43 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 58 63
$0 - 2,3 50 53
4,500 4,5 44 47
6 32 34
1 34 23 79 56 34 23 85 60
4501 - 2,3 29 20 67 47 29 20 72 51
6,000 4,5 25 17 59 42 25 18 64 45
6 19 13 43 31 19 13 47 33
1 62 52 45 104 81 62 62 52 45 111 87 67
6,001 - 2,3 53 44 38 88 69 53 53 44 38 95 74 57
8,000 4,5 46 39 33 78 61 47 47 39 34 84 65 50
6 34 28 25 57 44 34 34 28 25 61 48 37
1 99 89 82 134 111 93 99 89 82 144 119 99
8,001 - 2,3 84 75 69 114 94 79 84 76 70 122 101 84
10,000 4,5 74 66 61 101 83 70 74 67 61 108 89 74
6 54 49 45 74 61 51 55 49 45 79 65 55
1 136 126 119 163 139 121 137 126 119 174 149 129
10,001 - 2,3 116 107 101 138 118 103 116 107 101 148 127 110
15,000 4,5 102 94 89 122 104 91 103 95 90 131 112 97
6 75 69 65 89 77 66 75 70 66 96 82 71
1 195 184 177 205 182 163 195 185 178 219 195 175
15,001 - 2,3 165 157 151 174 154 139 166 157 151 186 165 149
20,000 4,5 146 138 133 154 136 122 146 139 133 165 146 131
6 107 101 98 113 100 90 107 102 98 121 107 96
1 275 265 258 283 260 241 276 266 259 303 278 258
20,001 - 2,3 234 225 219 240 221 205 235 226 220 258 236 220
25,000 4,5 206 199 193 212 195 181 207 199 194 227 209 194
6 151 146 142 156 143 133 152 146 142 167 153 142
1 389 379 372 336 313 294 390 380 373 360 335 315
25,001 - 2,3 331 322 316 286 266 250 332 323 317 306 285 268
40,000 4,5 292 284 279 252 235 221 293 285 280 270 251 236
6 214 208 204 185 172 162 215 209 205 198 184 173
1 556 546 539 405 382 364 558 548 541 434 409 390
40,001 - 2,3 473 464 458 344 325 309 474 465 459 369 348 331
60,000 4,5 417 409 404 304 287 273 418 411 405 326 307 292
6 306 300 296 223 210 200 307 301 297 239 225 214
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Deductible Deductible Deductible Deductible
N/AN/AN/AN/A
Physical Damage Premiums
Private Passenger Types
134 135
Comprehensive Collision Comprehensive Collision
N/A
N/AN/AN/AN/A
N/A
MIDWEST FAMILY MUTUAL CA-44 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000 $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 72 53
$0 - 2,3 61 45
4,500 4,5 54 40
6 40 29
1 39 27 97 69 26 18 71 50
4501 - 2,3 33 23 83 58 22 15 61 43
6,000 4,5 29 20 73 52 19 13 53 38
6 21 15 54 38 14 10 39 28
1 72 60 52 128 100 77 48 40 34 94 73 56
6,001 - 2,3 61 51 44 109 85 65 40 34 29 80 62 48
8,000 4,5 54 45 39 96 75 58 36 30 26 70 55 42
6 39 33 28 70 55 42 26 22 19 52 40 31
1 114 102 94 165 137 114 76 68 63 121 100 84
8,001 - 2,3 97 87 80 141 116 97 64 58 53 103 85 71
10,000 4,5 86 77 71 124 103 86 57 51 47 91 75 63
6 63 56 52 91 75 63 42 37 34 67 55 46
1 158 146 138 200 172 149 105 97 91 147 126 109
10,001 - 2,3 134 124 117 170 146 127 89 82 78 125 107 93
15,000 4,5 118 109 103 150 129 112 78 73 68 110 94 82
6 87 80 76 110 94 82 58 53 50 81 69 60
1 225 213 205 252 224 201 149 141 136 185 164 147
15,001 - 2,3 191 181 174 214 190 171 127 120 116 157 139 125
20,000 4,5 169 160 154 189 168 151 112 106 102 139 123 110
6 124 117 113 139 123 111 82 78 75 102 90 81
1 318 306 298 348 320 297 211 203 198 255 234 218
20,001 - 2,3 270 260 253 296 272 253 179 173 168 217 199 185
25,000 4,5 239 230 224 261 240 223 158 152 148 191 176 163
6 175 168 164 192 176 163 116 112 109 140 129 120
1 450 438 430 414 385 363 298 291 285 303 282 265
25,001 - 2,3 382 372 365 352 327 308 254 247 242 258 240 226
40,000 4,5 337 328 322 310 289 272 224 218 214 227 212 199
6 247 241 236 228 212 199 164 160 157 167 155 146
1 643 631 623 499 471 448 427 419 413 366 345 328
40,001 - 2,3 547 536 530 424 400 381 363 356 351 311 293 279
60,000 4,5 482 473 467 374 353 336 320 314 310 274 259 246
6 354 347 343 275 259 246 235 230 227 201 190 180
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Physical Damage Premiums
Private Passenger Types
136 137
Comprehensive Collision Comprehensive Collision
Deductible Deductible Deductible Deductible
N/AN/A
N/AN/AN/AN/A N/AN/A
N/AN/A
MIDWEST FAMILY MUTUAL CA-45 9-2012
Missouri
Original Age
Cost New Group $500 $1,000 $2,000 $1,000 $2,000 $3,000
1 50
$0 - 2,3 43
4,500 4,5 38
6 28
1 28 20 68 48
4501 - 2,3 24 17 58 41
6,000 4,5 21 15 51 36
6 16 11 37 26
1 52 43 37 89 69 53
6,001 - 2,3 44 37 32 76 59 45
8,000 4,5 39 32 28 67 52 40
6 29 24 21 49 38 29
1 83 74 68 115 95 79
8,001 - 2,3 70 63 58 98 81 67
10,000 4,5 62 56 51 86 71 60
6 46 41 38 63 52 44
1 114 106 100 139 119 104
10,001 - 2,3 97 90 85 118 101 88
15,000 4,5 86 79 75 104 90 78
6 63 58 55 77 66 57
1 163 154 149 175 156 140
15,001 - 2,3 139 131 126 149 132 119
20,000 4,5 122 116 111 132 117 105
6 90 85 82 96 86 77
1 231 222 216 242 222 207
20,001 - 2,3 196 189 184 206 189 176
25,000 4,5 173 166 162 182 167 155
6 127 122 119 133 122 114
1 326 317 312 288 268 252
25,001 - 2,3 277 270 265 245 228 214
40,000 4,5 245 238 234 216 201 189
6 179 175 171 158 147 139
1 466 458 452 347 327 312
40,001 - 2,3 396 389 384 295 278 265
60,000 4,5 350 343 339 260 246 234
6 256 252 248 191 180 171
~~ For values in excess of those shown, contact Underwriting for approval and pricing.
NOTE: Rounding may result in a $1 to $2 variance in premium.
Physical Damage Premiums
Private Passenger Types
138
Comprehensive Collision
Deductible Deductible
N/A
N/AN/A
N/AN/A
MIDWEST FAMILY MUTUAL CA-46 9-2012
Missouri
Commercial Auto Rate Section
Territory Page
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
63001 ALLENTON 129 63052 IMPERIAL 108
63005 CHESTERFIELD 133 63053 KIMMSWICK 108
63006 CHESTERFIELD 133 63055 LABADIE 129
63010 ARNOLD 108 63056 LESLIE 129
63011 BALLWIN 133 63057 LIGUORI 108
63012 BARNHART 108 63060 LONEDELL 129
63013 BEAUFORT 129 63061 LUEBBERING 129
63014 BERGER 129 63065 MAPAVILLE 108
63015 CATAWISSA 129 63066 MORSE MILL 108
63016 CEDAR HILL 108 63068 NEW HAVEN 129
63017 CHESTERFIELD 133 63069 PACIFIC 129
63019 CRYSTAL CITY 108 63070 PEVELY 108
63020 DE SOTO 108 63071 RICHWOODS 127
63021 BALLWIN 133 63072 ROBERTSVILLE 129
63022 BALLWIN 133 63073 SAINT ALBANS 129
63023 DITTMER 108 63074 SAINT ANN 134
63024 BALLWIN 133 63077 SAINT CLAIR 129
63025 EUREKA 133 63079 STANTON 129
63026 FENTON 133 63080 SULLIVAN 129
63028 FESTUS 127 63084 UNION 129
63030 FLETCHER 127 63087 VALLES MINES 127
63031 FLORISSANT 135 63088 VALLEY PARK 133
63032 FLORISSANT 135 63089 VILLA RIDGE 129
63033 FLORISSANT 135 63090 WASHINGTON 129
63034 FLORISSANT 135 63091 ROSEBUD 129
63036 FRENCH VILLAGE 127 63099 FENTON 133
63037 GERALD 129 63101 SAINT LOUIS 112
63038 GLENCOE 133 63102 SAINT LOUIS 112
63039 GRAY SUMMIT 129 63103 SAINT LOUIS 112
63040 GROVER 133 63104 SAINT LOUIS 112
63041 GRUBVILLE 129 63105 SAINT LOUIS 132
63042 HAZELWOOD 135 63106 SAINT LOUIS 112
63043 MARYLAND HEIGHTS 133 63107 SAINT LOUIS 112
63044 BRIDGETON 133 63108 SAINT LOUIS 112
63045 EARTH CITY 135 63109 SAINT LOUIS 112
63047 HEMATITE 127 63110 SAINT LOUIS 112
63048 HERCULANEUM 108 63111 SAINT LOUIS 112
63049 HIGH RIDGE 133 63112 SAINT LOUIS 112
63050 HILLSBORO 108 63113 SAINT LOUIS 112
63051 HOUSE SPRINGS 108 63114 SAINT LOUIS 133
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-1 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
63115 SAINT LOUIS 112 63164 SAINT LOUIS 112
63116 SAINT LOUIS 112 63166 SAINT LOUIS 112
63117 SAINT LOUIS 133 63167 SAINT LOUIS 133
63118 SAINT LOUIS 112 63169 SAINT LOUIS 112
63119 SAINT LOUIS 133 63171 SAINT LOUIS 133
63120 SAINT LOUIS 112 63177 SAINT LOUIS 112
63121 SAINT LOUIS 131 63178 SAINT LOUIS 112
63122 SAINT LOUIS 133 63179 SAINT LOUIS 112
63123 SAINT LOUIS 133 63180 SAINT LOUIS 112
63124 SAINT LOUIS 133 63182 SAINT LOUIS 112
63125 SAINT LOUIS 133 63188 SAINT LOUIS 112
63126 SAINT LOUIS 133 63190 SAINT LOUIS 112
63127 SAINT LOUIS 133 63195 SAINT LOUIS 132
63128 SAINT LOUIS 133 63197 SAINT LOUIS 112
63129 SAINT LOUIS 133 63198 SAINT LOUIS 133
63130 SAINT LOUIS 132 63199 SAINT LOUIS 112
63131 SAINT LOUIS 133 63301 SAINT CHARLES 104
63132 SAINT LOUIS 133 63302 SAINT CHARLES 104
63133 SAINT LOUIS 134 63303 SAINT CHARLES 104
63134 SAINT LOUIS 134 63304 SAINT CHARLES 104
63135 SAINT LOUIS 134 63330 ANNADA 129
63136 SAINT LOUIS 135 63332 AUGUSTA 104
63137 SAINT LOUIS 135 63333 BELLFLOWER 129
63138 SAINT LOUIS 135 63334 BOWLING GREEN 129
63139 SAINT LOUIS 112 63336 CLARKSVILLE 129
63140 SAINT LOUIS 134 63338 COTTLEVILLE 104
63141 SAINT LOUIS 133 63339 CURRYVILLE 129
63143 SAINT LOUIS 132 63341 DEFIANCE 104
63144 SAINT LOUIS 133 63342 DUTZOW 129
63145 SAINT LOUIS 134 63343 ELSBERRY 129
63146 SAINT LOUIS 133 63344 EOLIA 129
63147 SAINT LOUIS 134 63345 FARBER 129
63150 SAINT LOUIS 112 63346 FLINTHILL 104
63151 SAINT LOUIS 133 63347 FOLEY 129
63155 SAINT LOUIS 112 63348 FORISTELL 129
63156 SAINT LOUIS 112 63349 HAWK POINT 129
63157 SAINT LOUIS 112 63350 HIGH HILL 129
63158 SAINT LOUIS 112 63351 JONESBURG 129
63160 SAINT LOUIS 112 63352 LADDONIA 129
63163 SAINT LOUIS 112 63353 LOUISIANA 129
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-2 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
63357 MARTHASVILLE 129 63443 HUNNEWELL 129
63359 MIDDLETOWN 129 63445 KAHOKA 129
63361 MONTGOMERY CITY 129 63446 KNOX CITY 129
63362 MOSCOW MILLS 129 63447 LA BELLE 129
63363 NEW FLORENCE 129 63448 LA GRANGE 129
63365 NEW MELLE 104 63450 LENTNER 129
63366 O FALLON 129 63451 LEONARD 129
63367 LAKE SAINT LOUIS 104 63452 LEWISTOWN 129
63368 O FALLON 129 63453 LURAY 129
63369 OLD MONROE 129 63454 MAYWOOD 129
63370 OLNEY 129 63456 MONROE CITY 129
63373 PORTAGE DES SIOUX 104 63457 MONTICELLO 129
63376 SAINT PETERS 104 63458 NEWARK 129
63377 SILEX 129 63459 NEW LONDON 129
63378 TRELOAR 129 63460 NOVELTY 129
63379 TROY 129 63461 PALMYRA 129
63381 TRUXTON 129 63462 PERRY 129
63382 VANDALIA 129 63463 PHILADELPHIA 129
63383 WARRENTON 129 63464 PLEVNA 129
63384 WELLSVILLE 129 63465 REVERE 129
63385 WENTZVILLE 104 63466 SAINT PATRICK 129
63386 WEST ALTON 104 63467 SAVERTON 129
63387 WHITESIDE 129 63468 SHELBINA 129
63388 WILLIAMSBURG 129 63469 SHELBYVILLE 129
63389 WINFIELD 129 63471 TAYLOR 129
63390 WRIGHT CITY 129 63472 WAYLAND 129
63401 HANNIBAL 129 63473 WILLIAMSTOWN 129
63430 ALEXANDRIA 129 63474 WYACONDA 129
63431 ANABEL 129 63501 KIRKSVILLE 129
63432 ARBELA 129 63530 ATLANTA 129
63433 ASHBURN 129 63531 BARING 129
63434 BETHEL 129 63532 BEVIER 129
63435 CANTON 129 63533 BRASHEAR 129
63436 CENTER 129 63534 CALLAO 129
63437 CLARENCE 129 63535 COATSVILLE 129
63438 DURHAM 129 63536 DOWNING 129
63439 EMDEN 129 63537 EDINA 129
63440 EWING 129 63538 ELMER 129
63441 FRANKFORD 129 63539 ETHEL 129
63442 GRANGER 129 63540 GIBBS 129
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-3 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
63541 GLENWOOD 129 63648 IRONDALE 127
63543 GORIN 129 63650 IRONTON 127
63544 GREEN CASTLE 129 63651 KNOB LICK 127
63545 GREEN CITY 129 63653 LEADWOOD 127
63546 GREENTOP 129 63654 LESTERVILLE 127
63547 HURDLAND 129 63655 MARQUAND 127
63548 LANCASTER 129 63656 MIDDLE BROOK 127
63549 LA PLATA 129 63660 MINERAL POINT 127
63551 LIVONIA 129 63662 PATTON 127
63552 MACON 129 63663 PILOT KNOB 127
63555 MEMPHIS 129 63664 POTOSI 127
63556 MILAN 129 63665 REDFORD 127
63557 NEW BOSTON 129 63666 REYNOLDS 127
63558 NEW CAMBRIA 129 63670 SAINTE GENEVIEVE 127
63559 NOVINGER 129 63673 SAINT MARY 127
63560 POLLOCK 129 63674 TIFF 127
63561 QUEEN CITY 129 63675 VULCAN 127
63563 RUTLEDGE 129 63701 CAPE GIRARDEAU 127
63565 UNIONVILLE 129 63702 CAPE GIRARDEAU 127
63566 WINIGAN 129 63703 CAPE GIRARDEAU 127
63567 WORTHINGTON 129 63730 ADVANCE 117
63601 PARK HILLS 127 63732 ALTENBURG 127
63620 ANNAPOLIS 127 63735 BELL CITY 117
63621 ARCADIA 127 63736 BENTON 117
63622 BELGRADE 127 63737 BRAZEAU 127
63623 BELLEVIEW 127 63738 BROWNWOOD 117
63624 BISMARCK 127 63739 BURFORDVILLE 127
63625 BLACK 127 63740 CHAFFEE 117
63626 BLACKWELL 127 63742 COMMERCE 117
63627 BLOOMSDALE 127 63743 DAISY 127
63628 BONNE TERRE 127 63744 DELTA 127
63629 BUNKER 127 63745 DUTCHTOWN 127
63630 CADET 127 63746 FARRAR 127
63631 CALEDONIA 127 63747 FRIEDHEIM 127
63633 CENTERVILLE 127 63748 FROHNA 127
63636 DES ARC 127 63750 GIPSY 127
63637 DOE RUN 127 63751 GLENALLEN 127
63638 ELLINGTON 127 63752 GORDONVILLE 127
63640 FARMINGTON 127 63755 JACKSON 127
63645 FREDERICKTOWN 127 63758 KELSO 117
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-4 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
63760 LEOPOLD 127 63848 GIDEON 117
63763 MC GEE 127 63849 GOBLER 117
63764 MARBLE HILL 127 63850 GRAYRIDGE 117
63766 MILLERSVILLE 127 63851 HAYTI 117
63767 MORLEY 117 63852 HOLCOMB 117
63769 OAK RIDGE 127 63853 HOLLAND 117
63770 OLD APPLETON 127 63855 HORNERSVILLE 117
63771 ORAN 117 63857 KENNETT 117
63774 PERKINS 117 63860 KEWANEE 117
63775 PERRYVILLE 127 63862 LILBOURN 117
63776 MC BRIDE 127 63863 MALDEN 117
63779 POCAHONTAS 127 63866 MARSTON 117
63780 SCOTT CITY 117 63867 MATTHEWS 117
63781 SEDGEWICKVILLE 127 63868 MOREHOUSE 117
63782 STURDIVANT 127 63869 NEW MADRID 117
63783 UNIONTOWN 127 63870 PARMA 117
63784 VANDUSER 117 63873 PORTAGEVILLE 117
63785 WHITEWATER 127 63874 RISCO 117
63787 ZALMA 127 63875 RIVES 117
63801 SIKESTON 117 63876 SENATH 117
63820 ANNISTON 117 63877 STEELE 117
63821 ARBYRD 117 63878 TALLAPOOSA 117
63822 BERNIE 117 63879 WARDELL 117
63823 BERTRAND 117 63880 WHITEOAK 117
63824 BLODGETT 117 63881 WOLF ISLAND 117
63825 BLOOMFIELD 117 63882 WYATT 117
63826 BRAGGADOCIO 117 63901 POPLAR BLUFF 117
63827 BRAGG CITY 117 63902 POPLAR BLUFF 117
63828 CANALOU 117 63931 BRIAR 127
63829 CARDWELL 117 63932 BROSELEY 117
63830 CARUTHERSVILLE 117 63933 CAMPBELL 117
63833 CATRON 117 63934 CLUBB 127
63834 CHARLESTON 117 63935 DONIPHAN 127
63837 CLARKTON 117 63936 DUDLEY 117
63839 COOTER 117 63937 ELLSINORE 117
63840 DEERING 117 63938 FAGUS 117
63841 DEXTER 117 63939 FAIRDEALING 127
63845 EAST PRAIRIE 117 63940 FISK 117
63846 ESSEX 117 63941 FREMONT 127
63847 GIBSON 117 63942 GATEWOOD 127
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-5 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
63943 GRANDIN 127 64037 HIGGINSVILLE 128
63944 GREENVILLE 127 64040 HOLDEN 128
63945 HARVIELL 117 64048 HOLT 116
63950 LODI 127 64050 INDEPENDENCE 126
63951 LOWNDES 127 64051 INDEPENDENCE 126
63952 MILL SPRING 127 64052 INDEPENDENCE 126
63953 NAYLOR 117 64053 INDEPENDENCE 126
63954 NEELYVILLE 117 64054 INDEPENDENCE 125
63955 OXLY 117 64055 INDEPENDENCE 126
63956 PATTERSON 127 64056 INDEPENDENCE 126
63957 PIEDMONT 127 64057 INDEPENDENCE 116
63960 PUXICO 117 64058 INDEPENDENCE 116
63961 QULIN 117 64060 KEARNEY 116
63962 ROMBAUER 117 64061 KINGSVILLE 128
63963 SHOOK 127 64062 LAWSON 128
63964 SILVA 127 64063 LEES SUMMIT 116
63965 VAN BUREN 127 64064 LEES SUMMIT 116
63966 WAPPAPELLO 117 64065 LEES SUMMIT 116
63967 WILLIAMSVILLE 127 64066 LEVASY 116
64001 ALMA 128 64067 LEXINGTON 128
64002 LEES SUMMIT 116 64068 LIBERTY 116
64011 BATES CITY 128 64069 LIBERTY 116
64012 BELTON 128 64070 LONE JACK 128
64013 BLUE SPRINGS 116 64071 MAYVIEW 128
64014 BLUE SPRINGS 116 64072 MISSOURI CITY 116
64015 BLUE SPRINGS 116 64073 MOSBY 116
64016 BUCKNER 116 64074 NAPOLEON 128
64017 CAMDEN 128 64075 OAK GROVE 128
64018 CAMDEN POINT 109 64076 ODESSA 128
64019 CENTERVIEW 128 64077 ORRICK 128
64020 CONCORDIA 128 64078 PECULIAR 128
64021 CORDER 128 64079 PLATTE CITY 109
64022 DOVER 128 64080 PLEASANT HILL 128
64024 EXCELSIOR SPRINGS 128 64081 LEES SUMMIT 116
64028 FARLEY 109 64082 LEES SUMMIT 116
64029 GRAIN VALLEY 116 64083 RAYMORE 128
64030 GRANDVIEW 125 64084 RAYVILLE 128
64034 GREENWOOD 128 64085 RICHMOND 128
64035 HARDIN 128 64086 LEES SUMMIT 116
64036 HENRIETTA 128 64088 SIBLEY 116
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-6 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
64089 SMITHVILLE 116 64141 KANSAS CITY 102
64090 STRASBURG 128 64144 KANSAS CITY 136
64092 WALDRON 109 64145 KANSAS CITY 125
64093 WARRENSBURG 128 64146 KANSAS CITY 125
64096 WAVERLY 128 64147 KANSAS CITY 125
64097 WELLINGTON 128 64148 KANSAS CITY 102
64098 WESTON 109 64149 KANSAS CITY 116
64101 KANSAS CITY 102 64150 RIVERSIDE 109
64102 KANSAS CITY 102 64151 KANSAS CITY 109
64105 KANSAS CITY 102 64152 KANSAS CITY 109
64106 KANSAS CITY 102 64153 KANSAS CITY 109
64108 KANSAS CITY 102 64154 KANSAS CITY 109
64109 KANSAS CITY 102 64155 KANSAS CITY 109
64110 KANSAS CITY 102 64156 KANSAS CITY 136
64111 KANSAS CITY 102 64157 KANSAS CITY 136
64112 KANSAS CITY 102 64158 KANSAS CITY 136
64113 KANSAS CITY 102 64161 KANSAS CITY 136
64114 KANSAS CITY 125 64163 KANSAS CITY 109
64116 KANSAS CITY 136 64164 KANSAS CITY 109
64117 KANSAS CITY 136 64165 KANSAS CITY 136
64118 KANSAS CITY 109 64166 KANSAS CITY 136
64119 KANSAS CITY 136 64167 KANSAS CITY 136
64120 KANSAS CITY 102 64168 KANSAS CITY 109
64121 KANSAS CITY 102 64170 KANSAS CITY 125
64123 KANSAS CITY 102 64171 KANSAS CITY 102
64124 KANSAS CITY 102 64179 KANSAS CITY 102
64125 KANSAS CITY 126 64180 KANSAS CITY 102
64126 KANSAS CITY 126 64184 KANSAS CITY 102
64127 KANSAS CITY 102 64187 KANSAS CITY 102
64128 KANSAS CITY 102 64188 KANSAS CITY 109
64129 KANSAS CITY 126 64190 KANSAS CITY 109
64130 KANSAS CITY 102 64191 KANSAS CITY 102
64131 KANSAS CITY 125 64192 KANSAS CITY 125
64132 KANSAS CITY 102 64193 KANSAS CITY 109
64133 KANSAS CITY 125 64195 KANSAS CITY 109
64134 KANSAS CITY 116 64196 KANSAS CITY 102
64136 KANSAS CITY 126 64197 KANSAS CITY 125
64137 KANSAS CITY 125 64198 KANSAS CITY 102
64138 KANSAS CITY 116 64199 KANSAS CITY 102
64139 KANSAS CITY 116 64401 AGENCY 128
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-7 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
64402 ALBANY 128 64467 MARTINSVILLE 128
64420 ALLENDALE 128 64468 MARYVILLE 128
64421 AMAZONIA 128 64469 MAYSVILLE 128
64422 AMITY 128 64470 MOUND CITY 128
64423 BARNARD 128 64471 NEW HAMPTON 128
64424 BETHANY 128 64473 OREGON 128
64426 BLYTHEDALE 128 64474 OSBORN 128
64427 BOLCKOW 128 64475 PARNELL 128
64428 BURLINGTON JUNCTION 128 64476 PICKERING 128
64429 CAMERON 128 64477 PLATTSBURG 110
64430 CLARKSDALE 128 64479 RAVENWOOD 128
64431 CLEARMONT 128 64480 REA 128
64432 CLYDE 128 64481 RIDGEWAY 128
64433 CONCEPTION 128 64482 ROCK PORT 128
64434 CONCEPTION JUNCTION 128 64483 ROSENDALE 128
64436 COSBY 128 64484 RUSHVILLE 128
64437 CRAIG 128 64485 SAVANNAH 128
64438 DARLINGTON 128 64486 SHERIDAN 128
64439 DEARBORN 109 64487 SKIDMORE 128
64440 DE KALB 128 64489 STANBERRY 128
64441 DENVER 128 64490 STEWARTSVILLE 128
64442 EAGLEVILLE 128 64491 TARKIO 128
64443 EASTON 128 64492 TRIMBLE 110
64444 EDGERTON 109 64493 TURNEY 110
64445 ELMO 128 64494 UNION STAR 128
64446 FAIRFAX 128 64496 WATSON 128
64448 FAUCETT 128 64497 WEATHERBY 128
64449 FILLMORE 128 64498 WESTBORO 128
64451 FOREST CITY 128 64499 WORTH 128
64453 GENTRY 128 64501 SAINT JOSEPH 105
64454 GOWER 128 64502 SAINT JOSEPH 105
64455 GRAHAM 128 64503 SAINT JOSEPH 105
64456 GRANT CITY 128 64504 SAINT JOSEPH 128
64457 GUILFORD 128 64505 SAINT JOSEPH 105
64458 HATFIELD 128 64506 SAINT JOSEPH 105
64459 HELENA 128 64507 SAINT JOSEPH 105
64461 HOPKINS 128 64508 SAINT JOSEPH 105
64463 KING CITY 128 64601 CHILLICOTHE 128
64465 LATHROP 128 64620 ALTAMONT 128
64466 MAITLAND 128 64622 BOGARD 128
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-8 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
64623 BOSWORTH 128 64672 POWERSVILLE 129
64624 BRAYMER 128 64673 PRINCETON 129
64625 BRECKENRIDGE 128 64674 PURDIN 129
64628 BROOKFIELD 129 64676 ROTHVILLE 129
64630 BROWNING 129 64679 SPICKARD 128
64631 BUCKLIN 129 64680 STET 128
64632 CAINSVILLE 128 64681 SUMNER 128
64633 CARROLLTON 128 64682 TINA 128
64635 CHULA 128 64683 TRENTON 128
64636 COFFEY 128 64686 UTICA 128
64637 COWGILL 128 64688 WHEELING 128
64638 DAWN 128 64689 WINSTON 128
64639 DE WITT 128 64701 HARRISONVILLE 128
64640 GALLATIN 128 64720 ADRIAN 128
64641 GALT 128 64722 AMORET 127
64642 GILMAN CITY 128 64723 AMSTERDAM 127
64643 HALE 128 64724 APPLETON CITY 128
64644 HAMILTON 128 64725 ARCHIE 128
64645 HARRIS 129 64726 BLAIRSTOWN 128
64646 HUMPHREYS 129 64728 BRONAUGH 127
64647 JAMESON 128 64730 BUTLER 128
64648 JAMESPORT 128 64733 CHILHOWEE 128
64649 KIDDER 128 64734 CLEVELAND 128
64650 KINGSTON 128 64735 CLINTON 128
64651 LACLEDE 129 64738 COLLINS 127
64652 LAREDO 128 64739 CREIGHTON 128
64653 LINNEUS 129 64740 DEEPWATER 128
64654 LOCK SPRINGS 128 64741 DEERFIELD 127
64655 LUCERNE 129 64742 DREXEL 128
64656 LUDLOW 128 64743 EAST LYNNE 128
64657 MC FALL 128 64744 EL DORADO SPRINGS 127
64658 MARCELINE 129 64745 FOSTER 128
64659 MEADVILLE 129 64746 FREEMAN 128
64660 MENDON 129 64747 GARDEN CITY 128
64661 MERCER 129 64748 GOLDEN CITY 127
64664 MOORESVILLE 128 64750 HARWOOD 127
64667 NEWTOWN 129 64752 HUME 127
64668 NORBORNE 128 64755 JASPER 127
64670 PATTONSBURG 128 64756 JERICO SPRINGS 127
64671 POLO 128 64759 LAMAR 127
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-9 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
64761 LEETON 128 64854 NOEL 127
64762 LIBERAL 127 64855 ORONOGO 137
64763 LOWRY CITY 127 64856 PINEVILLE 127
64765 METZ 127 64857 PURCELL 127
64766 MILFORD 127 64858 RACINE 127
64767 MILO 127 64859 REEDS 137
64769 MINDENMINES 127 64861 ROCKY COMFORT 127
64770 MONTROSE 128 64862 SARCOXIE 127
64771 MOUNDVILLE 127 64863 SOUTH WEST CITY 127
64772 NEVADA 127 64864 SAGINAW 127
64776 OSCEOLA 127 64865 SENECA 127
64778 RICHARDS 127 64866 STARK CITY 127
64779 RICH HILL 127 64867 STELLA 127
64780 ROCKVILLE 127 64868 TIFF CITY 127
64781 ROSCOE 127 64869 WACO 137
64783 SCHELL CITY 127 64870 WEBB CITY 137
64784 SHELDON 127 64873 WENTWORTH 127
64788 URICH 128 64874 WHEATON 127
64790 WALKER 127 64999 KANSAS CITY 125
64801 JOPLIN 137 65001 ARGYLE 129
64802 JOPLIN 137 65010 ASHLAND 129
64803 JOPLIN 137 65011 BARNETT 129
64804 JOPLIN 127 65013 BELLE 129
64830 ALBA 137 65014 BLAND 129
64831 ANDERSON 127 65016 BONNOTS MILL 129
64832 ASBURY 137 65017 BRUMLEY 129
64833 AVILLA 137 65018 CALIFORNIA 129
64834 CARL JUNCTION 137 65020 CAMDENTON 129
64835 CARTERVILLE 137 65023 CENTERTOWN 129
64836 CARTHAGE 137 65024 CHAMOIS 129
64840 DIAMOND 127 65025 CLARKSBURG 129
64841 DUENWEG 137 65026 ELDON 129
64842 FAIRVIEW 127 65032 EUGENE 129
64843 GOODMAN 127 65034 FORTUNA 129
64844 GRANBY 127 65035 FREEBURG 129
64847 LANAGAN 127 65036 GASCONADE 129
64848 LA RUSSELL 127 65037 GRAVOIS MILLS 129
64849 NECK CITY 127 65038 LAURIE 129
64850 NEOSHO 127 65039 HARTSBURG 129
64853 NEWTONIA 127 65040 HENLEY 129
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-10 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
65041 HERMANN 129 65104 JEFFERSON CITY 138
65042 HIGH POINT 129 65105 JEFFERSON CITY 138
65043 HOLTS SUMMIT 129 65106 JEFFERSON CITY 138
65046 JAMESTOWN 129 65107 JEFFERSON CITY 138
65047 KAISER 129 65108 JEFFERSON CITY 138
65048 KOELTZTOWN 129 65109 JEFFERSON CITY 138
65049 LAKE OZARK 129 65110 JEFFERSON CITY 138
65050 LATHAM 129 65111 JEFFERSON CITY 138
65051 LINN 129 65201 COLUMBIA 129
65052 LINN CREEK 129 65202 COLUMBIA 129
65053 LOHMAN 138 65203 COLUMBIA 129
65054 LOOSE CREEK 129 65205 COLUMBIA 129
65055 MC GIRK 129 65211 COLUMBIA 129
65058 META 129 65212 COLUMBIA 129
65059 MOKANE 129 65215 COLUMBIA 129
65061 MORRISON 129 65216 COLUMBIA 129
65062 MOUNT STERLING 129 65217 COLUMBIA 129
65063 NEW BLOOMFIELD 129 65218 COLUMBIA 129
65064 OLEAN 129 65230 ARMSTRONG 129
65065 OSAGE BEACH 129 65231 AUXVASSE 129
65066 OWENSVILLE 129 65232 BENTON CITY 129
65067 PORTLAND 129 65233 BOONVILLE 129
65068 PRAIRIE HOME 129 65236 BRUNSWICK 129
65069 RHINELAND 129 65237 BUNCETON 129
65072 ROCKY MOUNT 129 65239 CAIRO 129
65074 RUSSELLVILLE 129 65240 CENTRALIA 129
65075 SAINT ELIZABETH 129 65243 CLARK 129
65076 SAINT THOMAS 138 65244 CLIFTON HILL 129
65077 STEEDMAN 129 65246 DALTON 129
65078 STOVER 129 65247 EXCELLO 129
65079 SUNRISE BEACH 129 65248 FAYETTE 129
65080 TEBBETTS 129 65250 FRANKLIN 129
65081 TIPTON 129 65251 FULTON 129
65082 TUSCUMBIA 129 65254 GLASGOW 129
65083 ULMAN 129 65255 HALLSVILLE 129
65084 VERSAILLES 129 65256 HARRISBURG 129
65085 WESTPHALIA 129 65257 HIGBEE 129
65101 JEFFERSON CITY 138 65258 HOLLIDAY 129
65102 JEFFERSON CITY 138 65259 HUNTSVILLE 129
65103 JEFFERSON CITY 138 65260 JACKSONVILLE 129
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-11 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
65261 KEYTESVILLE 129 65339 MALTA BEND 128
65262 KINGDOM CITY 129 65340 MARSHALL 128
65263 MADISON 129 65344 MIAMI 128
65264 MARTINSBURG 129 65345 MORA 129
65265 MEXICO 129 65347 NELSON 129
65270 MOBERLY 129 65348 OTTERVILLE 129
65274 NEW FRANKLIN 129 65349 SLATER 128
65275 PARIS 129 65350 SMITHTON 129
65276 PILOT GROVE 129 65351 SWEET SPRINGS 128
65278 RENICK 129 65354 SYRACUSE 129
65279 ROCHEPORT 129 65355 WARSAW 129
65280 RUSH HILL 129 65360 WINDSOR 128
65281 SALISBURY 129 65401 ROLLA 129
65282 SANTA FE 129 65402 ROLLA 129
65283 STOUTSVILLE 129 65409 ROLLA 129
65284 STURGEON 129 65436 BEULAH 129
65285 THOMPSON 129 65438 BIRCH TREE 127
65286 TRIPLETT 128 65439 BIXBY 127
65287 WOOLDRIDGE 129 65440 BOSS 129
65299 COLUMBIA 129 65441 BOURBON 129
65301 SEDALIA 129 65443 BRINKTOWN 127
65302 SEDALIA 129 65444 BUCYRUS 127
65305 WHITEMAN AIR FORCE BASE 128 65446 CHERRYVILLE 129
65320 ARROW ROCK 129 65449 COOK STA 129
65321 BLACKBURN 128 65452 CROCKER 127
65322 BLACKWATER 129 65453 CUBA 129
65323 CALHOUN 128 65456 DAVISVILLE 129
65324 CLIMAX SPRINGS 129 65457 DEVILS ELBOW 127
65325 COLE CAMP 129 65459 DIXON 127
65326 EDWARDS 129 65461 DUKE 127
65327 EMMA 128 65462 EDGAR SPRINGS 129
65329 FLORENCE 129 65463 ELDRIDGE 127
65330 GILLIAM 128 65464 ELK CREEK 127
65332 GREEN RIDGE 129 65466 EMINENCE 127
65333 HOUSTONIA 129 65468 EUNICE 127
65334 HUGHESVILLE 129 65470 FALCON 127
65335 IONIA 129 65473 FORT LEONARD WOOD 127
65336 KNOB NOSTER 128 65479 HARTSHORN 127
65337 LA MONTE 129 65483 HOUSTON 127
65338 LINCOLN 129 65484 HUGGINS 127
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-12 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
65486 IBERIA 129 65608 AVA 127
65501 JADWIN 129 65609 BAKERSFIELD 127
65529 JEROME 129 65610 BILLINGS 127
65532 LAKE SPRING 129 65611 BLUE EYE 127
65534 LAQUEY 127 65612 BOIS D ARC 106
65535 LEASBURG 129 65613 BOLIVAR 127
65536 LEBANON 129 65614 BRADLEYVILLE 127
65541 LENOX 129 65615 BRANSON 127
65542 LICKING 127 65616 BRANSON 127
65543 LYNCHBURG 127 65617 BRIGHTON 127
65546 MONTIER 127 65618 BRIXEY 127
65548 MOUNTAIN VIEW 127 65619 BROOKLINE 127
65550 NEWBURG 129 65620 BRUNER 127
65552 PLATO 127 65622 BUFFALO 127
65555 RAYMONDVILLE 127 65623 BUTTERFLD 127
65556 RICHLAND 127 65624 CAPE FAIR 127
65557 ROBY 127 65625 CASSVILLE 127
65559 SAINT JAMES 129 65626 CAULFIELD 127
65560 SALEM 129 65627 CEDARCREEK 127
65564 SOLO 127 65629 CHADWICK 127
65565 STEELVILLE 129 65630 CHESTNUTRIDGE 127
65566 VIBURNUM 129 65631 CLEVER 127
65567 STOUTLAND 129 65632 CONWAY 127
65570 SUCCESS 127 65633 CRANE 127
65571 SUMMERSVILLE 127 65634 CROSS TIMBERS 127
65580 VICHY 129 65635 DADEVILLE 127
65582 VIENNA 129 65636 DIGGINS 127
65583 WAYNESVILLE 127 65637 DORA 127
65584 SAINT ROBERT 127 65638 DRURY 127
65586 WESCO 129 65640 DUNNEGAN 127
65588 WINONA 127 65641 EAGLE ROCK 127
65589 YUKON 127 65644 ELKLAND 127
65590 LONG LANE 127 65645 EUDORA 127
65591 MONTREAL 129 65646 EVERTON 127
65601 ALDRICH 127 65647 EXETER 127
65603 ARCOLA 127 65648 FAIR GROVE 127
65604 ASH GROVE 127 65649 FAIR PLAY 127
65605 AURORA 127 65650 FLEMINGTON 127
65606 ALTON 127 65652 FORDLAND 127
65607 CAPLINGER MILLS 127 65653 FORSYTH 127
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-13 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
65654 FREISTATT 127 65715 NOBLE 127
65655 GAINESVILLE 127 65717 NORWOOD 127
65656 GALENA 127 65720 OLDFIELD 127
65657 GARRISON 127 65721 OZARK 127
65658 GOLDEN 127 65722 PHILLIPSBURG 127
65660 GRAFF 127 65723 PIERCE CITY 127
65661 GREENFIELD 127 65724 PITTSBURG 127
65662 GROVESPRING 127 65725 PLEASANT HOPE 127
65663 HALF WAY 127 65726 POINT LOOKOUT 127
65664 HALLTOWN 106 65727 POLK 127
65666 HARDENVILLE 127 65728 PONCE DE LEON 127
65667 HARTVILLE 127 65729 PONTIAC 127
65668 HERMITAGE 127 65730 POWELL 127
65669 HIGHLANDVILLE 127 65731 POWERSITE 127
65672 HOLLISTER 127 65732 PRESTON 127
65673 HOLLISTER 127 65733 PROTEM 127
65674 HUMANSVILLE 127 65734 PURDY 127
65675 HURLEY 127 65735 QUINCY 127
65676 ISABELLA 127 65737 REEDS SPRING 127
65679 KIRBYVILLE 127 65738 REPUBLIC 127
65680 KISSEE MILLS 127 65739 RIDGEDALE 127
65681 LAMPE 127 65740 ROCKAWAY BEACH 127
65682 LOCKWOOD 127 65741 ROCKBRIDGE 127
65685 LOUISBURG 127 65742 ROGERSVILLE 127
65686 KIMBERLING CITY 127 65744 RUETER 127
65688 BRANDSVILLE 127 65745 SELIGMAN 127
65689 CABOOL 127 65746 SEYMOUR 127
65690 COUCH 127 65747 SHELL KNOB 127
65692 KOSHKONONG 127 65752 SOUTH GREENFIELD 127
65702 MACOMB 127 65753 SPARTA 127
65704 MANSFIELD 127 65754 SPOKANE 127
65705 MARIONVILLE 127 65755 SQUIRES 127
65706 MARSHFIELD 127 65756 STOTTS CITY 127
65707 MILLER 127 65757 STRAFFORD 127
65708 MONETT 127 65759 TANEYVILLE 127
65710 MORRISVILLE 127 65760 TECUMSEH 127
65711 MOUNTAIN GROVE 127 65761 THEODOSIA 127
65712 MOUNT VERNON 127 65762 THORNFIELD 127
65713 NIANGUA 127 65764 TUNAS 127
65714 NIXA 127 65765 TURNERS 106
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-14 11-2011
ZIP Code USPS ZIP Code USPS
ZIP Code Name Territory ZIP Code Name Territory
65766 UDALL 127 65789 POMONA 127
65767 URBANA 127 65790 POTTERSVILLE 127
65768 VANZANT 127 65791 THAYER 127
65769 VERONA 127 65793 WILLOW SPRINGS 127
65770 WALNUT GROVE 127 65801 SPRINGFIELD 106
65771 WALNUT SHADE 127 65802 SPRINGFIELD 106
65772 WASHBURN 127 65803 SPRINGFIELD 106
65773 WASOLA 127 65804 SPRINGFIELD 106
65774 WEAUBLEAU 127 65805 SPRINGFIELD 106
65775 WEST PLAINS 127 65806 SPRINGFIELD 106
65777 MOODY 127 65807 SPRINGFIELD 106
65778 MYRTLE 127 65808 SPRINGFIELD 106
65779 WHEATLAND 127 65809 SPRINGFIELD 106
65781 WILLARD 127 65810 SPRINGFIELD 106
65783 WINDYVILLE 129 65814 SPRINGFIELD 106
65784 ZANONI 127 65817 SPRINGFIELD 106
65785 STOCKTON 127 65890 SPRINGFIELD 106
65786 MACKS CREEK 129 65897 SPRINGFIELD 106
65787 ROACH 129 65898 SPRINGFIELD 106
65788 PEACE VALLEY 127 65899 SPRINGFIELD 106
ZIP Codes/Territories In Numerical Order By ZIP Code
MIDWEST FAMILY MUTUAL CA-T-15 11-2011
MOTOR CARRIER
INDEX Page No.
--A -- Application MC-3
-- B -- Binding Authority MC-3 Broadened Personal Injury Protection (PIP) (MN Only) MC-25 Business Use Definitions MC-5
-- C -- Certificate of Insurance MC-7 Covered Auto Symbols MC-5
-- D -- Driver Information MC-6
-- E -- Eligible Driving Records MC-6 Eligible Classes MC-3 Experience Rating MC-8
-- F -- Field Pricing MC-5
-- G, H, I -- Hired Auto MC-23 Hired Auto Physical Damage MC-24 Ineligible Hazards MC-3 Introduction MC-3 IRPM MC-8
-- J, K, L, M -- Liability Rates MC-11 Loss Experience MC-7 Medical Payments MC-23 MFM Motor Carrier Advantage Endorsement MC-25
-- N, O --
Non-Owned Auto MC-24 Non-Trucking Liability MC-22 Non-Zone Rating Premium Development MC-21
MIDWEST FAMILY MUTUAL MC-1 01-2015
MOTOR CARRIER
-- P -- Personal Injury Protection (KS, MN, ND, UT) MC-23 Personal Injury Protection (PIP) Stacking (MN Only) MC-25 Private Passenger Types MC-6 Prior Experience of Insured MC-8
-- Q, R -- Rating Worksheet MC-12-15 Radius Definition MC-6 Regulatory Filings MC-9
-- S, T --
Truck Size & Definition MC-5
-- U, V -- Uninsured/Underinsured Motorists MC-23 Vehicle Classes MC-5 Individual Risk Premium Modifications MC-8
-- W, X, Y, Z --
Zone Rating Map MC-11 Zone Rating Premium Development MC-16
MIDWEST FAMILY MUTUAL MC-2 01-2015
MOTOR CARRIER
MOTOR CARRIER PROGRAM A. INTRODUCTION AND ELIGIBILITY
Midwest Family’s Motor Carrier Program provides auto liability, physical damage, cargo and general liability coverage for insureds operating commercial motor vehicles on a ‘for hire’ basis. This program is designed for risks with a radius of up to 750 miles and in States that Midwest Family Mutual anticipates operations existing in to include Arizona, Colorado, Idaho, Iowa, Illinois, Indiana, Kansas, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin and Wyoming. Radius is determined by the Schedule B, Fuel Tax Reports (IFTA Reports). The radius of operation breakdown is as follows: Local – 0-75 Intermediate – 76-300 Limited Long haul – 301-500 Long Haul – 501 - 750
B. APPLICATION
Midwest Family accepts ACORD applications and Motor Carrier questionnaires for all motor carrier accounts. Applications should be completed, signed, and submitted with the IRPM worksheet (CA-0021 (01-97)) when necessary.
C. BINDING AUTHORITY Only MFM personnel can bind motor carrier risks. D. ELIGIBLE CLASSES 1. Freight hauling 2. Grain hauling 3. Livestock hauling 4. Refrigerated stock 5. Building Materials 6. Paper Products 7. Processed food 8. Mixed Cargo E. INELIGIBLE HAZARDS -- DO NOT BIND 1. Vehicles carrying passengers 2. Vehicles hauling doubles or triples 3. Dumping operation vehicles 4. Gravel hauling 5. Auto Transport Haulers
6. Vehicles garaged in states where MFM is not actively writing business 7. Vehicles used in snow removal
MIDWEST FAMILY MUTUAL MC-3 01-2015
MOTOR CARRIER
8. Regulated Medical Waste or Biohazard Waste 9. Milk Haulers 10. Mobile home or Manufactured Home Toters 11. Moving/Storage 12. Potato Haulers 13. Swinging Meat Haulers 14. Water Hauling for Hydro-fracking Operations 15. Any risk using Student Drivers
16. Any risk hauling logs 17. Drive-away contracts. (Operations whose employee(s) drive non-owned
vehicle(s) from one destination to another and require CA2055 Drive-Away Contractor(s)
18. Vehicles carrying hazardous materials as defined by the U. S. Department of Transportation, Motor Carrier Act of 1980. Following is a condensed listing: NOTE: WE WILL CONSIDER INCIDENTAL HAZARDOUS MATERIALS SUCH AS CANS OF SPRAY PAINT, HOUSEHOLD CLEARNERS AND BATTERIES. FOR EXAMPLE IF THEY HAUL FOR TARGET, WAL-MART, ETC., THEY WILL HAUL SOME OF THESE ITEMS:
a. Combustible Liquids -- not classified as flammable liquids (i.e. camphor
oil, creosote, diesel fuel, fuel oil, kerosene). b. Corrosive Materials (i.e. alkaline battery fluid, phosphoric acid, sulfuric
acid). c. Etiologic agents (substances which can cause human disease and which
are specifically listed in regulations of the Department of Health, Education and Welfare).
d. Explosives (i.e. ammunition, black powder, dynamite, fireworks, nitroglycerin).
e. Flammable gasses (i.e. acetylene, butane, hydrogen, liquefied petroleum gas, propane).
f. Flammable liquids (i.e. Chlordane, denatured alcohol, ethyl alcohol, gasoline, isopropyl acetate).
g. Flammable solids (i.e. book matches, charcoal, lacquer base-dry, potassium sulfide, pyroxylin plastics).
h. Irritating materials (i.e. tear gas, xylol bromide). i. Non-flammable gasses (i.e. anhydrous ammonia, helium, helium-oxygen
mixture, neon, oxygen). j. Organic peroxides (i.e. acetyl benzoyl peroxide, benzoyl peroxide, lauroyl
peroxide, succinic acid peroxide). k. Oxidizers (i.e. ammonium nitrate mixed fertilizer, lead nitrate, lead
peroxide, zinc chlorate). l. Poison gasses (i.e. cyanogen, germane, phosgene). m. Poison liquids and solids -- includes pastes and semi-solids (i.e. aniline oil,
arsenic, carbolic acid, disulfoton, ferrous arsenate, parathion). n. Radioactive materials (substances which spontaneously emit radiation
capable of penetrating and damaging living tissue and undeveloped film). o. Other regulated materials (these are designated as ORM-A, ORM-B, ORM-
C, ORM-D and ORM-E by the U. S. Department of Transportation).
MIDWEST FAMILY MUTUAL MC-4 01-2015
MOTOR CARRIER
F. FIELD PRICING
Midwest Family encourages you to use our manual and the Motor Carrier rating worksheet to field price this product. If you need assistance, please contact our Underwriting staff. When requesting IRPM credits for superior risks, contact your underwriter for approval.
G. VEHICLE CLASSES
Only the classes and vehicle values displayed in the rate pages are eligible in the Motor Carrier program. Majority of vehicles will be tractor/trailer combination, however on larger fleets we will allow Private passenger, light, medium, heavy and extra heavy type of equipment as long as they are properly underwritten for approval.
I. TRUCK SIZE AND DEFINITIONS (Gross Vehicle Weight – GVW, Gross
Combined Weight GCW) Light have a GVW of 10,000 pounds or less Medium have a GVW of 10,001 - 20,000 pounds Heavy have a GVW of 20,001 - 45,000 pounds Extra Heavy have a GVW of over 45,000 pounds Heavy Truck-Tractors have a GVW of 0-45,000 pounds Extra-Heavy Truck-Tractors have a GCW over 45,000 pounds Trailers J. COVERED AUTO SYMBOLS
Our Motor Carrier policy is a standard I.S.O. Motor Carrier Policy. All vehicles under this plan will be issued with a covered auto symbol of 67 which provides coverage for specifically scheduled autos. Symbol 68, Hired Auto, and Symbol 71, Non-Owned Auto, will be provided through insured request and Underwriting approval. Agents may bind symbols 67, 68 and 71; all other symbol classifications must be referred to Underwriting.
K. BUSINESS USE DEFINITIONS
1. Service use - vehicles used for transporting the insured’s personnel, tools, equipment, and incidental supplies to or from a job location. This classification is confined to automobiles principally parked at a job location during the work day or used to transport supervisory personnel between job sites.
2. Retail use - vehicles used to pick up and deliver property to an individual’s
home.
MIDWEST FAMILY MUTUAL MC-5 10-2014
MOTOR CARRIER
3. Commercial use - automobiles used for transporting property other than those
automobiles defined as service or retail.
All vehicles listed must be listed as commercial use. If a vehicle has a different classification it must have underwriting approval.
L. RADIUS DEFINITION
1. Local - up to 75 miles. The automobile is not regularly operated beyond a 75 mile radius from the principally garaged location.
2. Intermediate - 76 to 300 miles. The automobile is operated within a radius of
76 to 300 miles from the principally garaged location. 3. Limited Long Haul – 301-500 miles. The vehicle is operated within a radius of
301-500 miles from the principally garaged location. 4. Long Haul – 501 – 750 miles. The vehicle is operated outside of 500 mile
radius from the principally garaged location. M. PRIVATE PASSENGER TYPES
We will insure private passenger vehicles if owned and titled to the business or corporation. The Underwriting requirements of private passenger vehicles will be similar to those in our personal automobile plan.
N. DRIVER INFORMATION
We will obtain motor vehicle records for all drivers of insured vehicles. Name, date of birth and drivers license number for all potential full time and occasional drivers should be submitted with the application. Driver selection is a critical component in evaluating risk acceptability. Driver hiring standards and current motor vehicle reports should be evaluated prior to binding a new or renewal risk. ELIGIBILITY Drivers are required to have a minimum of two years current and verifiable experience driving like vehicles. They must meet the Federal Motor Carrier requirements and also hold a U.S. Commercial Driver’s License (CDL) Foreign experience does not qualify. Military experience may be considered, must contact Underwriter for approval.
MIDWEST FAMILY MUTUAL MC-6 10-2014
MOTOR CARRIER
Preferred drivers are between the ages of 23 and 64 and are violation/accident free for the prior three years. Drivers are acceptable unless their record shows any one of the following within the prior 36 month period: Any speeding violation in excess of 25 mph in a commercial vehicle No more than one violation for following too close No more than three moving violations during the previous 36 months or
more than two moving violations in the previous 24 months No more than one at fault accident during the previous 36 months Any violation for operating a motor vehicle while under suspension
requires Underwriting approval
Drivers are acceptable unless their record shows any one of the following within the prior 60 month period: Any drug or alcohol violation in connection with the operation of a motor
vehicle Any violation for hit and run, manslaughter, or use of a motor vehicle for
felonious purposes Any reckless driving violation
We will require any drivers that must file an SR-22 due to drug and/or alcohol violations be placed in a non-driving position. All other violations will be reviewed on a case by case basis.
P. CERTIFICATES OF INSURANCE
The purpose of a certificate of insurance is to show evidence of in-force insurance coverage. Certificates must not alter policy provisions or coverages unless properly endorsed to the policy prior to the certificates’ issuance.
If it is necessary to alter the coverages provided, Underwriting must be contacted prior to the certificates’ issuance for prior approval.
∗ Midwest Family does not require a copy of Certificates of Insurance when
issued by an agent. ∗ Requests for Additional Insureds, Waivers of Subro, and Non-contributory
Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters.
∗ Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
MIDWEST FAMILY MUTUAL MC-7 01-2015
MOTOR CARRIER
Q. PRIOR EXPERIENCE OF INSURED
The Motor Carrier program is designed for experienced owners and operators. If the insured has less than three years of experience, the application and full details should be submitted to Underwriting for approval.
We will not entertain new ventures in the Motor Carrier program. R. PRIOR LOSS EXPERIENCE
All policy applications must be submitted with prior loss history. Information printed on prior carrier stationery, or loss runs from prior carriers are acceptable documentation and provide Underwriting a complete picture of the potential risk. No IRPM credits will be given unless prior loss information is provided. At a minimum, the insured should sign a statement about known losses in the previous five years.
S. EXPERIENCE RATING It is Midwest Family’s intent to award employers who exemplify good safety
procedures and loss control as evidenced by the insured’s loss ratio. It is also our desire to encourage this behavior in our customers. To be eligible for this credit, the insured’s annual earned premium for eligible coverages must be at least $5,000. Midwest Family may apply a credit to all of the insured’s commercial premiums (except Workers’ Compensation) according to the following table:
Loss Ratio Premium Credit 50% or more 0% 40-49.9% 5% 32-39.9% 10% 25-31.9% 15% 20-24.9% 20% less than 20% 25%
This credit will be applied to the insured’s next annual premium and will apply to Liability and Physical Damage premiums. The credit or debit will be applied to the total policy premium, prior to the IRPM Factor.
T. INDIVIDUAL RISK PREMIUM MODIFICATIONS
The following modifications may be applied to recognize special characteristics of the risk that are not fully reflected in the rates.
MIDWEST FAMILY MUTUAL MC-8 10-2014
MOTOR CARRIER
The total amount of credit or debit developed using the following table may not exceed the state maximum. The calculated credit or debit is applied after all other rating procedures.
Schedule Rating Table
Range of Modifications Credit Debit
1. Management Cooperation with insurance company, revision of schedules, routes and practices to conform with company recommendations. 10% to 10% 2. Employees Selection, training, supervision, age, basis of remuneration 9% to 9% 3. Equipment Type, condition, servicing, risk’s own repair facilities, safety equipment, drivers report on condition of equipment. 8% to 8% 4. Safety Organizations Periodic meetings, distribution of safety literature, award and penalty system, review of accidents with drivers. 8% to 8% IRPM credits can only be obtained from Underwriting. Form CA 0021 (01-97) must be completed and included with the application.
U. REGULATORY FILINGS
If there are filings requested we must write all units owned, operated and/or leased under the filed entity name. Filings are effective at 12:01 AM Standard Time, at the mailing address of the named insured, on the effective date of the policy. If additional filings are requested during the policy term the effective date will be the date the filing was issued. Prior to federal filings being issued the SAFER systems must be reviewed to verify that the insured has registered for authority and filings are required. Filings, including MCS 90’s will be issued at the minimum limit required by the federal government. If policy is cancelled mid-term, the cancellation date of the policy and filing(s) must coincide.
MIDWEST FAMILY MUTUAL MC-9 10-2014
MOTOR CARRIER
Filings do not need to be pre cancelled at expiration unless an account is non-renewed or it is anticipated that the account will not be renewing with MFM. If the account is not renewed, we must be notified within 2 business days so that the filings can be cancelled. When requesting filings, the following information is required to be submitted: Type of filings needed Filed entity name Filed entity address Policy number Effective and expiration dates ICC MC, US DOT or any other regulatory numbers and Policy limits required
MIDWEST FAMILY MUTUAL MC-10 10-2014
MIDWEST FAMILY MUTUAL MC-11 01-2015
Motor Carrier
Rating Worksheet Cont.
Bodily Injury/Property Damage
Miscellaneous Cov. Limits:
Mileage Information:
Motor Carrier
Rating Worksheet
Policy Specifications
Liability Limits:
Heavy/X-Heavy Trucks and Tractors
Risk Descriptions
Percent of Total:___________%
$500,000 / $750,000 / $1,000,000
$500,000 / $750,000 / $1,000,000
Bodily Injury/Property Damage
Uninsured/Underinsured Motorist
Physical Damage Deductibles:Comprehensive
Ded:$__________ PD Only / BI/PD
Liability Deductibles:
Zone 1 Mileage: __________________ miles
Zone 2 Mileage: __________________ miles
Zone 3 Mileage: __________________ milesZone 4 Mileage: __________________ miles
Percent of Total:___________%
Percent of Total:___________%
Ded:$__________or No Coverage
$500,000 / $750,000 / $1,000,000
#1 ________________ x ________________ x ___________ x ___________ = $___________ (Weighted Base Rate) (Stated Value Factor) (Prim. Class Factor) (Ded. Factor)
#2 ________________ x ________________ x ___________ x ___________ = $___________ (Weighted Base Rate) (Stated Value Factor) (Prim. Class Factor) (Ded. Factor)
= $____________Total BI & PD:
Comprehensive:
Collision
$500,000 / $750,000 / $1,000,000
Ded:$__________ or No Coverage
(Weighted Base Rate) (ILF Factor) (Prim. Class Factor) (Ded. Factor) (Trailer Factor)
Bodily Injury & Property Damage:
#1 ___________ x ___________ x ___________ x ___________x ___________ = $___________ (Weighted Base Rate) (ILF Factor) (Prim. Class Factor) (Ded. Factor) (Trailer Factor)
#2 ___________ x ___________ x ___________ x ___________x ___________ = $___________ (Weighted Base Rate) (ILF Factor) (Prim. Class Factor) (Ded. Factor) (Trailer Factor)
#3 ___________ x ___________ x ___________ x ___________x ___________ = $___________
Rating
Risk #1 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____ Trailer: Y / N
No Fault: Basic PIP / Medpay Limit ________ Weight: Heavy / X-Heavy Use: Service / Retail / Comm. Radius:
Local / Intermediate / Limited Long / Long
Risk #2 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____ Trailer: Y / N
No Fault: Basic PIP / Medpay Limit ________ Weight: Heavy / X-Heavy Use: Service / Retail / Comm. Radius:
Local / Intermediate / Limited Long / Long
Risk #3 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____ Trailer: Y / N
No Fault: Basic PIP / Medpay Limit ________ Weight: Heavy / X-Heavy Use: Service / Retail / Comm. Radius:
Local / Intermediate / Limited Long / Long
Non-Owned Auto Liability
Hired Auto Liability
Percent of Total:___________%
#3 ________________ x ________________ x ___________ x ___________ = $___________ (Weighted Base Rate) (Stated Value Factor) (Prim. Class Factor) (Ded. Factor)
Total Comprehensive: = $____________
Midwest Family Mutual MC-12 06-2014
Motor Carrier
Rating Worksheet Cont.
Personal Injury Protection (PIP) or Medical Payments:
Total PIP & Medpay = $____________
(Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
#2 ________________ x ________________ + ________________ = $___________
(Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
(Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
#3 ________________ x ________________ + ________________ = $___________
Light/Medium Trucks and Tractors
#1 ________________ x ________________ + ________________ = $___________
#2 ________________ x ________________ x ___________ x ___________ = $___________ (Weighted Base Rate) (Stated Value Factor) (Prim. Class Factor) (Ded. Factor)
#3 ________________ x ________________ x ___________ x ___________ = $___________ (Weighted Base Rate) (Stated Value Factor) (Prim. Class Factor) (Ded. Factor)
Total Collision: = $____________
#1 ________________ x ________________ x ___________ x ___________ = $___________ (Weighted Base Rate) (Stated Value Factor) (Prim. Class Factor) (Ded. Factor)
Collision:
Risk #1 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____ Trailer: Y / N
No Fault: Basic PIP / Medpay Limit ________Weight: Light / Medium Use: Service / Retail / Comm.
Radius: Local / Intermediate / Limited Long / Long
Risk #2 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____ Trailer: Y / N
No Fault: Basic PIP / Medpay Limit ________Weight: Light / Medium Use: Service / Retail / Comm.
Radius: Local / Intermediate / Limited Long / Long
Risk #3 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____ Trailer: Y / N
No Fault: Basic PIP / Medpay Limit ________Weight: Light / Medium Use: Service / Retail / Comm.
Radius: Local / Intermediate / Limited Long / Long
Rating
Bodily Injury & Property Damage:
(B.I. & P.D. Base Rate)
TOTAL HEAVY/X-HEAVY TRUCKS AND TRAILERS = $____________ (All Items Above)
Risk Descriptions
#3 ________________ = $________________ (Comp. Base Rate)
Total Comprehensive: = $____________
NOTE: Reminder that these vehicle types use rates and rating from the Comm. Auto Manual
Comprehensive:
Total BI & PD: = $____________
#1 ________________ = $________________ (Comp. Base Rate)
#2 ________________ = $________________ (Comp. Base Rate)
#1 ________________ = $________________ (B.I. & P.D. Base Rate)
#2 ________________ = $________________ (B.I. & P.D. Base Rate)
#3 ________________ = $________________
Midwest Family Mutual MC-13 06-2014
Motor Carrier
Rating Worksheet Cont.
(Coll. Base Rate)
Total Comprehensive: = $____________
Private Passenger Risks
Risk Descriptions
Risk #1 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____
No Fault: Basic PIP / Medpay Limit ________
Class Factor: Primary Factor: __________ + Secondary Factor: __________ = __________
Risk #2 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____
No Fault: Basic PIP / Medpay Limit ________
Class Factor: Primary Factor: __________ + Secondary Factor: __________ = __________
Risk #3 Model Yr: _______ Make: ________________ Stated Value: $___________ State: _____
No Fault: Basic PIP / Medpay Limit ________
Class Factor: Primary Factor: __________ + Secondary Factor: __________ = __________
Rating
(Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
Personal Injury Protection (PIP) or Medical Payments:
#1 ________________ x ________________ + ________________ = $___________ (Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
#2 ________________ x ________________ + ________________ = $___________ (Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
#3 ________________ x ________________ + ________________ = $___________
(Coll. Base Rate)
#2 ________________ = $________________ (Coll. Base Rate)
#3 ________________ = $________________
#1 ________________ = $________________
Collision:
Total PIP & Medpay = $____________
= $____________ (All Items Above)
#3 ________________ x ________________ = $________________ (B.I. & P.D. Base Rate) (Class Factor)
Total BI & PD: = $____________
Comprehensive:
#1 ________________ x ________________ = $________________
NOTE: Reminder that these vehicle types use rates and rating from the Comm. Auto Manual
Bodily Injury & Property Damage:
#1 ________________ x ________________ = $________________ (B.I. & P.D. Base Rate) (Class Factor)
#2 ________________ x ________________ = $________________ (B.I. & P.D. Base Rate) (Class Factor)
(Comp. Base Rate) (Class Factor)
#2 ________________ x ________________ = $________________ (Comp. Base Rate) (Class Factor)
#3 ________________ x ________________ = $________________ (Comp. Base Rate) (Class Factor)
Total Comprehensive: = $____________
TOTAL LIGHT/MEDIUM TRUCKS AND TRAILERS PREMIUM
Midwest Family Mutual MC-14 06-2014
Motor Carrier
Rating Worksheet Cont.
____________ x ____________ = $___________
____________ x ____________ = $___________
____________ x ____________ = $___________
(Base Rate) (Num. Exposures)
Uninsured Motorist:
(Base Rate) (Num. Exposures)
(Base Rate) (Num. Exposures)
Hired Auto Physical Damage: ____________ x ____________ = $___________ (Base Rate) (Num. Exposures)
Non-Owned Auto Liability: ____________ x ____________ = $___________
Underinsured Motorist:
Hired Auto Liability:
(Base Rate) (Num. Exposures)
#1 ________________ x ________________ + ________________ = $___________ (Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
Collision:
#1 ________________ x ________________ = $________________ (Coll. Base Rate) (Class Factor)
#2 ________________ x ________________ = $________________ (Coll. Base Rate) (Class Factor)
#3 ________________ x ________________ = $________________
+TOTAL HEAVY/X-HEAVY TRUCKS AND TRAILERS PREMIUM
TOTAL OF PER EXPOSURE COVERAGE PREMIUM (All Items Above)
TOTAL LIGHT/MEDIUM TRUCKS AND TRAILERS PREMIUM
Rating Worksheet Total
$____________
TOTAL PRIVATE PASSENGER PREMIUM = $____________ (All Items Above)
Per Exposure Coverages
Rating
= $____________
#2 ________________ x ________________ + ________________ = $___________ (Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
#3 ________________ x ________________ + ________________ = $___________ (Basic PIP/Medpay Base Rate) (ILF Factor) (Stacking/Broadened PIP)
Total PIP & Medpay = $____________
(Coll. Base Rate) (Class Factor)
Total Comprehensive: = $____________
Personal Injury Protection (PIP) or Medical Payments:
TOTAL PRIVATE PASSENGER PREMIUM
TOTAL OF PER EXPOSURE COVERAGE PREMIUM
TOTAL GROSS PREMIUM
$____________+
$____________+
$____________=
$____________
$____________TOTAL NET PREMIUM
x
xEXPERIENCE CREDIT/DEBIT
I.R.P.M. CREDIT/DEBIT=
____________
____________
Midwest Family Mutual MC-15 06-2014
$1,000 Ded. Collision
446
362
305
251
Zone 3
Zone 4
$500,000
Liability
3182
2506
2216
1802
160
157
PREMIUM DEVELOPMENT - ZONE RATED AUTOS
Zone 1:
Zone 2:
Zone 3:
Zone 4:
Contains the states ofArizona, Colorado, Idaho, Illinois, Indiana, Missouri, New Mexico, Nevada,
Utah
$1,000 Ded.
Comprehensive
236
178
Contains the states of Alabama, Alaska, California, Connecticut, Delaware, Florida, Georgia,
Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey,
New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont,
Virginia, West Virginia
Contains the states of Arkansas, Kentucky, Michigan, Oklahoma, Oregon, Tennessee,
Washington
This rating applies to trucks and tractors classified as heavy or extra-heavy as well as trailers used
with heavy or extra-heavy trucks and tractors.
B. Zone Definitions
A. Eligibility
Contains the states of Iowa, Kansas, Minnesota, Montana, Nebraska, North Dakota, South
Dakota, Wisconsin, Wyoming
C. Zone Base Rates for Liability, Comprehensive, and Collision
Zone
Zone 1
Zone 2
Midwest Family Mutual MC-16 06-2014
Increased Limit Factor (ILF)
F. Determination of Rating Factors
The liability rates specified in section C are for a limit of $500,000. If a higher limit is chosen
refer to the table below for the ILF.
Liability Limit Limit Factor
500,000 1.000
Example:
Zone Rated Base Rate: (Weighted Zone 4 Base Rate) + (Weighted Zone 3 Base Rate) + (Weighted
Zone 2 Base Rate) + (Weighted Zone 1 Base Rate)
This methodology will be used to calculate the base rates for Liability, Comprehensive, and Collision
coverage.
The four zones are defined in section B above and the base rates for each zone are defined in section
C above. Once calculated these base rates will be used for the rating of each eligible zone rated unit.
The base rates will be calculated as follows (with examples):
D. Development of Zone Rated Base Rates
1. Calculate percentage of miles operated in each zone based on IFTA report and any additional
unreported mileage
Example:
The IFTA report (as well as the estimation of any unreported miles) from ABC123 Inc. provides
aggregate mileage of:
2000 miles in Zone 4 (50% of aggregate miles)
1000 miles in Zone 3 (25% of aggregate miles)
1000 miles in Zone 2 (25% of aggregate miles)
0 miles in Zone 1 (0% of aggregate miles)
2. Weight the base rates in each zone according to the calculated percentage of operation in each
zone
Example:
Weighted Zone 4 Base Rate: (0.50) x Zone 4 Base Rate
Weighted Zone 3 Base Rate: (0.25) x Zone 3 Base Rate
Weighted Zone 2 Base Rate: (0.25) x Zone 2 Base Rate
Weighted Zone 1 Base Rate: (0.00) x Zone 1 Base Rate
3. Aggregate the Weighted Base Rates for Each Coverage to obtain the Zone Rated Base Rate for each coverage
1,000,000 1.221
750,000 1.110
Midwest Family Mutual MC-17 06-2014
Liability
Factor
Phys.
Dam.
Factor
1.00 1.00
1.45 1.15
Liability
Factor
Phys.
Dam.
Factor
0.80 0.80
1.16 0.92
Liability
Factor
Phys.
Dam.
Factor
0.60 0.60
0.87 0.69
Liability
Factor
Phys.
Dam.
Factor
0.30 0.30
0.44 0.35
Heavy Trucks/Tractors
(20,001-45,000 Lbs. G.V.W.)
Primary Class Factor
Size Class
Radius Class
Local (0-75 Miles)
Heavy Trucks/Tractors
(20,001-45,000 Lbs. G.V.W.)
Extra-heavy Trucks/Tractors
(Over 45,000 Lbs. G.V.W.)
Size Class
Size Class
Radius Class
Long Haul (Over 500
Miles)
Heavy Trucks/Tractors
(20,001-45,000 Lbs. G.V.W.)
Extra-heavy Trucks/Tractors
(Over 45,000 Lbs. G.V.W.)
Size Class
Radius Class
Limited Long Haul
(301-500 Miles)
Heavy Trucks/Tractors
(20,001-45,000 Lbs. G.V.W.)
Extra-heavy Trucks/Tractors
(Over 45,000 Lbs. G.V.W.)
Extra-heavy Trucks/Tractors
(Over 45,000 Lbs. G.V.W.)
Radius Class
Determine the primary class factors (factor for liability and physical damage) for each auto
based on the size and radius from the tables below.
Intermediate (76-300
Miles)
Midwest Family Mutual MC-18 06-2014
BI/PD PD Only
1.000 1.000 N/A
0.985 0.986 N/A
0.970 0.972 1.124
0.942 0.947 1.000
N/A N/A 0.831
0.874 0.888 N/A
N/A N/A 0.775
0.794 0.825 0.685
0.700 0.767 N/A
0.600 0.732 N/A
0.565 0.725 N/A
0.442 0.708 N/A
0.370 0.699 N/A
0.320 0.693 N/A
Collision
0.90
1.05
1.20
1.30
1.60
2.10
2.60
0.018
N/A
$75,000
$100,000
N/A
N/A
N/A
0.489
N/A
$5,000
$10,000
$20,000
$25,000
$50,000
NOTE: N/A indicates deductible and coverage combinations that are not offered
$1-10,000
10,001-15,000
15,001-20,000
20,001-25,000
25,001-40,000
40,001-65,000
Vehicle Value Range
N/A
$250
$500
$1,000
$2,000
Determine the deductible factor on each coverage of each auto based on the table below. N/A
indicates deductible and coverage combinations that are not offered.
Autos with a stated value in excess of 90,000 will use a factor that is the combination of the
factor for 65,001 to 90,000 in addition to the summation of factors above 90,000. For example a
vehicle with a stated value of 100,000 would have a comprehensive stated value factor of 2.23
[2.23 = 2.15 + (10 x 0.008)]
2.15
0.008
Stated Value Factor
1.30
1.60
1.90
0.90
1.05
1.20
Each autos physical damage rate will be modified by a stated value factor as specified below
based on the stated value of the auto
Comprehensive
Trucks, Tractors and Trailers
65,001-90,000
Each Additional 1K Over 90,000
Stated Value
0.625
N/A
1.136
1.000
0.773
Liability Factors
$0 N/A
$2,500 N/A
Deductible Factors
Deductible Collision FactorsComprehensive
Factors
$3,000
Midwest Family Mutual MC-19 06-2014
5. Mutliply by a factor of 0.10
Spare Trailers
Liability
When there are more trailers than power units listed on the policy,
these spare trailers can be rated at $100/unit when noted/requested
on the application.
Physical Damage (Comprehensive & Collision)
Physical Damage rates will be calculated using the same method as all
other trailers. Refer to section above.
1. Calculate the zone rated physical damage base rate as specified in section D
2. Multiply by the stated value factor as specified in section F
1. Calculate the zone rated liability base rate as specified in section D
2. Multiply by the increased limit factor (ILF) as specified in section F
4. Multiply by the deductible factor as specified in section F
3. Multiply by the primary class factor as specified in section F
Physical Damage (Comprehensive & Collision)
2. Multiply by the stated value factor (stated value of trailer) as specified in section F
3. Multiply by the primary class factor as specified in section F
4. Multiply by the deductible factor as specified in section F
2. Multiply by the increased limit factor (ILF) as specified in section F
3. Multiply by the primary class factor (use radius and weight of truck/tractor most often
attached to) as specified in section F
4. Multiply by the deductible factor as specified in section F
Physical Damage (Comprehensive & Collision)
1. Calculate the zone rated physical damage base rate as specified in section D
3. Multiply by the primary class factor as specified in section F
4. Multiply by the deductible factor as specified in section F
Trailers
Liability
1. Calculate the zone rated liability base rate as specified in section D
Liability
Trucks and Tractors
G. Rating Plans
Midwest Family Mutual MC-20 06-2014
B. Rating Plan
PREMIUM DEVELOPMENT - NON-ZONE RATED AUTOS
A. Eligibility
This rating applies to trucks and tractors classified as light or medium as well as trailers
used with light or medium trucks and tractors. Additionally this rating will apply to private
passenger vehicles
All rating for these auto's should refer to and use the commercial auto manual's rating
methodology.
Midwest Family Mutual MC-21 06-2014
B. Rating Plan
Trailers Included
PREMIUM DEVELOPMENT - NON-TRUCKING LIABILITY
A. Eligibility
This rating applies to trucks and tractors classified as heavy or extra-heavy as well as
trailers used with heavy or extra-heavy trucks and tractors. This rating will not apply to
private passenger vehicles or trucks and tractors classified as light or medium.
Heavy or Extra-Heavy Truck or Tractor $1,000,000 Limit $500 each
Midwest Family Mutual MC-22 01-2015
B. Uninsured and Underinsured Motorist Coverage (UM/UIM)
C. Personal Injury Protection (PIP)
D. Medical Payments (Med Pay)
E. Hired Auto
PREMIUM DEVELOPMENT - COMMON COVERAGES
A. Eligibility
This rating applies to all risks on a motor carrier policy
Uninsured and Underinsured Motorist Coverage
Limit Uninsured Underinsured
North Dakota PIP
$500,000 $33 $45
$1,000,000 $39 $57
$75
Med Pay
Kansas PIP
Work Comp? Rate
Yes $29
No $29
Minnesota PIP
Work Comp? Rate
Yes $10
No $20
Work Comp? Rate
Yes $27
No $39
Utah PIP
Work Comp? Rate
Yes $31
$95
$750,000 $90
No $42
$2,000 $104
$5,000 $150
$10,000 $190
Limit Rate
$500 $47
$1,000
$750,000 $36 $52
Hired Auto
Limit Rate
$500,000
$1,000,000
$85
Midwest Family Mutual MC-23 06-2014
F. Non-Owned Auto
G. Hired Auto Physical Damage
H. Rating Plans
Uninsured and Underinsured Motorist Coverage
Personal Injury Protection
Medical Payments
Hired Auto
Non-Owned Auto
Hired Auto Physical Damage
$1,000,000 $45
Hired Auto
Limit Rate
1. Select the appropriate rates based on limit from section F above
1. Multiply the rate from section G above by the amount of applicable
exposures (hired vehicles)
All $70
1. Select the appropriate rates based on limit from section E above
2. Multiply by the amount of applicable exposures (vehicles)
1. Select the appropriate rates based on limit/coverage from section B
above
1. Select the appropriate rates based on state and whether the insured
also has a work comp policy with MFM from section C above
2. Multiply by the amount of applicable exposures ( vehicles garaged in
each PIP state)
2. Multiply by the amount of applicable exposures (drivers)
1. Select the appropriate rates based on limit from section D above
$750,000 $40
Non-Owned Auto
Limit Rate
$500,000 $35
Midwest Family Mutual MC-24 06-2014
All States
Premiums are in addition to all other charges
$1,000 $2,500 $5,000 $10,000
Factor 0.96 0.93 0.90 0.87
Factor will be applied to the Cargo rate.
Cargo Coverage
(Form MFMMC002)
Rates - $.50 to $5.00 per $100 of Insurance
Rates vary according to schedule, use, perils, deductible, etc.
Call your Underwriter for a quote.
Motor Carriers - Named Lessee
as Insured
(Form CA 23 12)
$100 per Additional Insured
Broadened Pollution Liability
(Form CA 99 48)
Minimal Exposure Increased Exposure Minimum Premium
1% of CSL liability
premium
3% of CSL liability
premium$250
$1,000 Misc Equipment Used with Trailers
Used by You
$2,500 Personal Property
Fellow Employee Coverage
$100 per power unit
MFM Motor Carrier Advantage
Endorsement
(Available on Heavy and Extra
Heavy units only)
(Form MFMMC001)
Aggregate Ded for Accident Involving Comb
Truck, Tractor/Trailer, or Cargo
Loan/Lease Gap Covg for PP Vehicles and
Light Trucks
$10,000 Electronic Equipment Coverage
($250 Ded)
One Ded for Collision Between Your Vehicles
Insured by MFM
$3,000 Bail Bonds Supplementary Pmt
$5,000 Fire Extinguisher Recharge
$35,000 Hired Auto Phys Damage Covg for
PP Vehicles and Light Trucks
$50/Day; max of $1,500 Rentla Reimb Covg
for PP Vehicles and Light Trucks
Drive Other Car
(Available on Private
Passenger vehicles only)
(Form MFMMC007)
$500,000 CSL
$27 per person
$1,000,000 CSL$750,000 CSL
$40 per person$33 per person
MOTOR CARRIER - OPTIONAL COVERAGES
Broadened Personal Injury
Protection (PIP)
*Available only in MN
$10 per person
Personal Injury Protection (PIP)
Stacking
*Available only in MN
$25 per vehicle
Cargo Additional Insured
(Form MFMMC003)
Waiver of Subrogation
(Form MFMMC004)
Named Shipper Limit of
Insurance
(Form MFMMC005)
Theft Deductible
(Form MFMMC006)
Deductible
$50 per Additional Insured
$50 per Additional Insured
Rates - $.50 to $5.00 per $100 of Insurance
Rate will be determined with the Cargo Coverage rate.
Call your Underwriter for a quote.
Midwest Family Mutual MC-25 06-2014
Missouri GARAGE PROGRAM
INDEX
Page No. -- A--
Accounts Receivable GAR-17, 37 Additional Insureds GAR-6, 18, 23, 37 Application - Rating Worksheet GAR-5, 11-12 GAR-21, 22-23 Audits GAR-5, 21
-- B -- Basis for Premium GAR-5, 21 Binding Authority GAR-4, 20 Broadened Garage Coverage GAR-16 Building Damage: Motor Vehicle Legal Liability GAR-37 Building and Personal Property Rates: GAR-14 New Car GAR-31 Used Car GAR-32 Building Valuations GAR-7, 24 Business Income GAR-22
-- C -- Certificates of Insurance GAR-6, 23 Computer Coverage - Rates GAR-19, 38 Contractual Liability GAR-18 Customers Goods GAR-17, 37 Cyber Liability GAR-18, 38
-- D --
Dealer Plates GAR-8 Dealers Advantage Endorsement GAR-26 Dealers Physical Damage GAR-24 Dealers Physical Damage Rates GAR-33, 34 Dealers State Factors GAR-28 Deductible GAR-5, 22 Deductible Options GAR-16, 36 $100 Deductible Completed Operations GAR-18, 38 Diesel Engine & Tractor Trailer Repair GAR-9, 26 Drive Other Auto Coverage GAR-22 Driving Records and Accident Records GAR-25
-- E --
Eligible Class Listing GAR-13, 28 Eligibility GAR-4, 20
MIDWEST FAMILY MUTUAL GAR-1 07-2013
Missouri GARAGE PROGRAM
Employee Dishonesty GAR-17, 36 Employee Tools GAR-19, 39 Experience Rating GAR-10, 27 Exterior Grade Floor Glass GAR-16, 36
-- F -- Field Pricing GAR-5, 21 Financial Statements GAR-7, 24 Fire Legal Liability GAR-16, 36 Food Spoilage GAR-17
-- G --
Garagekeepers Coverage GAR-7, 24 Garagekeepers Rates GAR-15, 35
-- H --
Hired Auto Liability GAR-8 Hired Auto Liability Rates GAR-16
-- I --
Increase Coverage Endorsement GAR-6, 22 Individual Risk Premium Modification (IRPM) GAR-9, 26 IRPM Documentation Worksheet GAR-12, 23 Inflation Guard GAR-18, 38 Introduction GAR-4, 20
-- J, K, L --
Liability Rates : GAR-14 New & Used Car Dealer Garage GAR-33 Loss Experience GAR-7, 24
-- M --
Management Experience GAR-8, 25 Med Pay Options GAR-36 Minimum Premium GAR-19, 39 Money & Securities GAR-17, 36 Multiple Location Credit GAR-19, 38
-- N -- No Fault Coverage GAR-22
MIDWEST FAMILY MUTUAL GAR-2 07-2013
Missouri GARAGE PROGRAM
Non-owned Auto Liability GAR-8 Non-owned Auto Liability Rates GAR-16
-- O --
Optional Exclusions GAR-19 Outdoor Sign Coverage GAR-16, 36
-- P --
Personal Injury Coverage & Rates GAR-16 Photographs GAR-7, 24 Propane - LP Gas GAR-8, 25 Property Perils - Perils Insured for Property GAR-6, 22 Property Rates (Personal) GAR-13 Property Stretch Endorsement GAR-16 Property Valuations GAR-4, 20 Property Values & Liability Limits GAR-4, 20 Protective Device Factors GAR-16, 36
-- Q, R --
Rating Worksheet GAR-10-11 Replacement Cost Factor GAR-16, 36
-- S --
Spray Painting GAR-8, 25 Station Damage: Motor Vehicle Legal Liability GAR-18
-- T --
Territory Definitions GAR-28 Tool Floater GAR-19, 39 Towing GAR-8, 25
-- U, V --
Uninsured and Underinsured Motorists GAR-22 Valuable Papers GAR-17, 37
-- W, X, Y, Z --
Watercraft Incidental Repair Extension GAR-18, 37 Wind/Hail Deductible GAR-16, 36
MIDWEST FAMILY MUTUAL GAR-3 07-2013
Missouri GARAGE PROGRAM
COMMERCIAL GARAGE
A. INTRODUCTION The Midwest Family Garage policy provides Property and General Liability coverage for small to medium-sized, well-managed garage operators. B. ELIGIBILITY To be eligible for our program a garage operator must NOT: 1. Allow any self service repair work 2. Have more than $2,000,000 in receipts 3. Have a payroll in excess of $500,000 or more than 20 employees. C. BINDING AUTHORITY Agents may bind up to $500,000 in any one protected fire division (protection class 1 through 8). Protection classes 9 and 10 and values in excess of $500,000 must be submitted to Underwriting unbound for approval. Agents may bind garage liability limits to $500,000. Only garage operators with at least one year of experience who are listed in our eligible class listing may be bound.
Binding authority exception: Auto Repair, Auto Body and Auto Upholstery shops of frame construction cannot be bound. If you have a risk you feel should be considered, submit the application with full details unbound to Underwriting for consideration. Photos of the exterior and interior of the structure must accompany the application as one of our primary concerns is general repair and housekeeping.
All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and the appropriate down payment of premium. D. TOTAL PROPERTY VALUES AND LIABILITY LIMITS AVAILABLE Generally, we will not write an eligible occupancy with total property values in excess of $4,000,000. This is not a binding limit but, rather, an indication of the focus of our program. Maximum agency binding limit is $500,000; refer all values in excess of this limit to Underwriting for consideration. Always consider an Umbrella. E. PROPERTY VALUATIONS. Midwest Family offers two property valuation options: Actual Cash Value and Replacement Cost. The rates in our manual include Actual Cash Value. If Replacement Cost is elected, the insured will receive a 10% credit on building and contents rates.
MIDWEST FAMILY MUTUAL GAR-4 07-2013
Missouri GARAGE PROGRAM
The Replacement Cost option will be considered for structures built after 1950 where evidence of updated facilities, such as heating, electrical, plumbing, and roof are provided. For structures older than 20 years, written proof of updated facilities should be included with the application. F. APPLICATION - RATING WORKSHEET Midwest Family accepts ACORD applications for all Commercial lines products. Applications should be signed and submitted with the Garage questionnaire and the IRPM debit/credit worksheet when applicable. G. FIELD PRICING Midwest Family encourages you to use our manual and the Garage rating worksheet to field price this product. If you need assistance, please contact our Underwriting staff. When requesting IRPM credits for superior risks, contact your underwriter for prior approval. H. BASIS FOR PREMIUM Property premiums are developed per $1000 of property value. Garage Liability premiums are developed on a per employee basis. Employees as defined, include all full and part-time employees, owners, partners, and corporate officers with a working role in the business. If an employee replaces another during the policy period the employee count remains the same. All individuals defined as employees must be included in the calculation of the liability premium. I. AUDITS All Garage Liability premiums are annual deposit premiums based on the estimated number of employees in the policy period. At policy expiration, an audit may be conducted and the premium adjusted based on the actual employee count. J. DEDUCTIBLE The Garage policy includes a $100 property damage liability deductible and a
$100 completed operations deductible. Optional deductibles for property and liability are available and displayed in the optional coverage section of this manual.
MIDWEST FAMILY MUTUAL GAR-5 05-2015
Missouri GARAGE PROGRAM
K. INCREASE COVERAGE ENDORSEMENT The Garage policy provides an annual 8% increase in building and contents coverage limits. This option is included on all policies at no additional charge to insure that property values remain consistent with general inflation. L. PERILS INSURED FOR PROPERTY The Garage policy may be issued as a standard or special policy. The standard policy provides coverage on a named peril basis. The special policy provides coverage for risks of direct physical loss. M. ADDITIONAL INSUREDS Additional Insureds for property will be added to the Contractors policy at no additional charge. Additional Insureds for liability are discouraged and should be encouraged to purchase their own coverage. When it becomes necessary to add an additional insured for liability, the following pricing applies: 1. If the inclusion of an additional insured for liability creates no operations hazard, a charge of $50 per additional insured will be made. 2. If the inclusion of an additional insured for liability creates an operations hazard, the premium will be calculated as if the additional insured were the named insured. When possible, additional insured liability requests should be discouraged by the issuance of a certificate of insurance. N. CERTIFICATES OF INSURANCE
A Certificate of Insurance provides evidence of inforce coverage. Certificates may not alter policy provisions or coverages unless the policy is properly endorsed prior to the certificates' issuance. If it is necessary to modify the provided coverage, agents should contact their underwriter prior to issuing the certificate for the appropriate approval. * Midwest Family does not require a copy of Certificates of Insurance when issued by an agent. * Requests for Additional Insureds, Waivers of Subro, and Non-contributory Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters. * Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
MIDWEST FAMILY MUTUAL GAR-6 07-2013
Missouri GARAGE PROGRAM
GENERAL UNDERWRITING
A. LOSS EXPERIENCE All policy applications must be submitted with prior loss history. Information printed on company stationary, or loss runs from prior carriers are acceptable documentation and provide Underwriting with a complete picture of the potential risk. If prior loss information is unavailable, the insured should sign a statement with respect to known losses from the previous five years. No IRPM credits will be given unless prior loss information is provided. B. FINANCIAL STATEMENTS Midwest Family does not require financial statements on all submissions. Agents should understand however, that Underwriting may randomly request financial information to increase their confidence in the quality of a submission. When requesting IRPM credits, agents are encouraged to submit financial information as evidence of a financially sound operation. C. BUILDING VALUATIONS Midwest Family’s Garage program requires that all property be insured for the full value (100% ACV, RC). When requesting Actual Cash Value coverage (ACV), it is not necessary to submit a building cost estimator; however, when requesting Replacement Cost coverage, a building cost estimator should be submitted with the application. All building values will be validated in our office using the BOECKH method. D. PHOTOGRAPHS A photograph of each commercial property location to be insured must be included with the application. E. GARAGEKEEPERS COVERAGE We will provide comprehensive and collision coverage for eligible risks (see eligible class listing) on either a primary or excess basis for the premium shown in our optional coverage rate page. The deductibles listed on the declarations page for each coverage component will apply in the event of a loss. We have elected to provide broader than legal liability only for Garagekeepers insurance.
MIDWEST FAMILY MUTUAL GAR-7 07-2013
Missouri GARAGE PROGRAM
F. MANAGEMENT EXPERIENCE Generally, we will consider Garage coverage on any business where the existing ownership or management can illustrate at least one year of previous management experience in the same or a related field. Though new ventures are not prohibited, they must be submitted unbound to Underwriting for approval. G. DEALER PLATES We do not expect eligible insureds to have dealer plates. Our garage program offers Hazard II ISO garage coverage. We provide automobile liability coverage for customers automobiles only, owned automobiles must be insured on a separate commercial auto policy (see the commercial auto section of this manual for further details). We will allow one dealer plate on otherwise eligible auto body repair shop with coverage for owned automobiles provided by our commercial auto policy. We expect no more than 5 automobiles sold annually. The number of automobile sales can be monitored by the endorsement activity to the insureds commercial automobile policy. H. SPRAY PAINTING We expect that all risks with spray painting operations have a UL approved spray paint booth. Note: This requirement may be waived when an operation has only one employee. I. PROPANE - LP GAS Propane and LP gas exposures are unacceptable for our program and will not be written if the risk handles propane or LP gas sales. J. TOWING Our Garage program and supporting Commercial Auto program do not contemplate tow truck exposures. If the insured has tow trucks, they should be insured with another company. We will consider a garage liability package when evidence of a separate commercial auto liability policy is presented for the tow truck exposure. K. NON-OWNED AND HIRED AUTO LIABILITY COVERAGE If the insured has no owned automobiles we will endorse the garage policy to provide Hired auto (symbol 28), and Non-owned auto (symbol 29) liability coverage. Premiums for this coverage are displayed on the optional coverage
MIDWEST FAMILY MUTUAL GAR-8 07-2013
Missouri GARAGE PROGRAM
section of the rate pages. If the insured has owned automobiles, hired and non- owned liability coverage must be provided by our commercial auto program. L. DIESEL ENGINE AND TRACTOR/TRAILER REPAIR Our program anticipates no tractor/trailer repair and only limited diesel engine repair. Receipts from diesel engine repair must not exceed 15% of total receipts. M. INDIVIDUAL RISK PREMIUM MODIFICATION The following modifications may be applied to recognize special characteristics of the risk that are not fully reflected in the rates. The total amount of credit or debit developed using the following table may not exceed 25%. The credit or debit developed is applied to the premium after all other rating procedures. Range of Modifications
Risk Variations Credit Debit
1. Care and condition of equipment and premises 10% to 10% 2. Classification variations 10% to 10% 3. Cooperation of owners or operators with 10% to 10%
recommendations with respect to structural features, segregation and control of hazards and maintenance of protective equipment
4. Damage and susceptibility 10% to 10% 5. Dispersion or concentration 5% to 5% 6. Employees: selection, training, supervision 5% to 5%
and experience 7. Location: accessibility, congestion and exposures 10% to 10% 8. Miscellaneous protective features or hazards 10% to 10% 9. Protective devices not otherwise reflected in rates 10% to 10% 10. Storage practices and hazardous operations 10% to 10% 11. Superior or inferior structural features 10% to 10% 12. Past losses relative to number of exposure units 10% to 10%
and subsequent preventive measures
IRPM credits can only be obtained from Underwriting. The IRPM Documentation Worksheet must be completed to document the special characteristics of the risk.
MIDWEST FAMILY MUTUAL GAR-9 05-2015
Missouri GARAGE PROGRAM
N. EXPERIENCE RATING
It is Midwest Family’s intent to award employers who exemplify good safety procedures and loss control as evidenced by the insured’s loss ratio. It is also our desire to encourage this behavior in our customers. To be eligible for this credit, the insured’s annual earned premium for coverages eligible must be at least $5,000.
Midwest Family will apply a credit to all of the insured’s commercial premiums (except Workers’ Compensation) according to the following table:
Loss Ratio Premium Credit 50% or more 0% 40-49.9% 5% 32-39.9% 10% 25-31.9% 15% 20-24.9% 20% less than 20 25%
This credit will be applied to the insured’s next annual premium and will apply to Commercial Property, Liability, Commercial Inland Marine, Commercial Umbrella, Motor Carrier and Commercial Auto coverage premiums. It does NOT apply to Worker’s Compensation.
The credit or debit will be applied to the total policy premium, prior to the IRPM factor.
MIDWEST FAMILY MUTUAL GAR-10 05-2015
GARAGE SUPPLEMENTAL ACORD APPLICATION/WORKSHEET Applicant’s Name________________________________________________________________________________ SS#___________________ Phone #____________________Companion Policy #___________________________ Policy Type: ________ Standard ______ Special Territory:________ Rate Group (property)_____________ Deductible (Prop.) ___100 ___250 ___500 ___1,000 ___2,500 ($100 Ded. applies to completed operations) Deductible Credit/Debit +/-________ Multiple Location Credit _______ IRPM +/- ___________ Building Limit: _______________ Contents Limit : ___________________ Building: ______X_________X__________X__________X________X___________ = _________ (rate) (Sprk Factor) (RC Factor) (Prot. Device) (Limit) (Credit Factor)** Contents: ______X_________X__________X__________X________X___________= _________ (rate) (Sprk Factor) (RC Factor) (Prot. Device) (Limit) (Credit Factor)** TOTAL BUILDING AND CONTENTS PREMIUM = _________ Liability Limits* ____100,000/200,000 ____300,000/600,000 ____500,000/1,000,000 ____1,000,000/2,000,000 *Includes premises medical payments limit of $5,000. _____________________________X________________X_____________ = _________ Liability Premium (Per Employee) # Employees (Credit Factor-excluding ded credit)** OPTIONAL COVERAGES - (list) Credit Factor - Type of Coverage Deductible Amount Rate (exclud. Ded Credit)** Premium Garagekeepers - Comp __________ ________ ______ _________ = $ _________ Garagekeepers - Coll __________ ________ ______ _________ = $ _________ __________________ __________ ________ ______ _________ = $ _________ __________________ ________ ______ _________ = $ _________ __________________ ________ ______ _________ = $ _________ __________________ ________ ______ _________ = $ _________ Garagekeepers Option: (Check one only) ______Excess _____ Primary TOTAL OPTIONAL COVERAGES = _________ Optional Exclusions: Products & Completed Operations Exclusion ____________ X .10 X ______________ = -_____________ (bldg base rate or .20 if no bldg) (bldg OR contents limit/1000) Personal Injury & Advertising Offense Exclusion _______________ X .05 X________ = -____________ (bldg base rate or .20 if no bldg) (bldg OR contents limit/1000) TOTAL POLICY EXCLUSIONS = _________ TOTAL ANNUAL PREMIUM = _____________ **(The Credit Factor is equal to the sum of all credits including deductible, multiple location, and IRPM) Garage Property minimum premium $150. Garage Liability minimum premium (includes garagekeepers) $250.
MIDWEST FAMILY MUTUAL GAR-11 05-15
UNDERWRITING INFORMATION - ALL QUESTIONS MUST BE ANSWERED 1. Electrical, Heating, Plumbing, & Roof: When Updated: Elec_______Heat_______Plumb_______Roof_______ 2. Age of building __________ Number of stories ___________________ Total ground square footage______________ 3. Annual Payroll $_________ Annual Receipts $__________ 4. Is equipment rented, loaned or leased to others? If yes, describe:_______________ __Yes __No Annual rental/lease receipts $____________________ 5. Any out of state operations performed? Where?______________________________ __Yes __No 6. Has the applicant been in any other business in the past 5 years?________________ __Yes __No 7. Are clients allowed in service area?_________________________________________ __Yes __No 8. Is a separate client waiting area provided?___________________________________ __Yes __No 9. Describe the type of repair or service work and any type of specialization________ __Yes __No _________________________________________________________________________ 10. Are spray painting exposures present? Please complete bodyshop questionnaire. __Yes __No If so, is a U. L. Approved booth used? __Yes __No 11. Are customers cars driven routinely? __Yes __No Describe amount driven and who drives?_____________________________________ 12. Does applicant have dealer plates?_______Number of plates?______ # of cars sold annually ___________ 13. Describe type of vehicles customarily repaired or serviced_________________________________________
LIST ALL EMPLOYEES (include owners, partners, managers, etc;) Name Position Date of Birth Drivers License Number ________________ ___________ ______________ ______________________ ________________ ___________ ______________ ______________________ ________________ ___________ ______________ ______________________ 14. Are any of the above employees related to the insured?____Yes __No List Relatives__________________ 15. Applications Required?_____ References Checked?_____ Physical Exams Required?________________ Minors hired? (<18) _______ Any Employees on Social Security? _________________________________ 16. Has the applicant ever experienced a fire loss in this business, any other business or at their place of residence? __Yes __No 17. Are two signatures required on checks? __Yes __No 18. Does someone other than those authorized to sign checks reconcile bank accounts? __Yes __No 19. How often are bank accounts reconciled? ________ How frequently are physical inventories taken? _____________ Frequency of audits: _________ Conducted by: __________________________ 20. Has this business ever had a robbery? __Yes __No 21. Does the time of deposits vary? ______ Is the route changed? __Yes __No 22. How frequently are deposits made?______Distance to Bank?_________ How conveyed?_____________ 23. How much money is carried at one time? _____ How much money is kept on premises overnight?_____
MIDWEST FAMILY MUTUAL GAR-11.1 05-15
INDIVIDUAL RISK PREMIUM MODIFICATION DOCUMENTATION WORKSHEET (Briefly tell us what is extraordinary about the risk you are writing. Attach supplements if space provided is inadequate.) Care and condition of equipment and premises ________________________________________________________________________________________________________________________________________________________________________________________________________ Classification variations ________________________________________________________________________________________________________________________________________________________________________________________________________ Cooperation of owners or operators with recommendations with respect to structural features, segrega- tions, & control of hazards and maintenance of protective equipment ________________________________________________________________________________________________________________________________________________________________________________________________________ Damage and susceptibility ________________________________________________________________________________________________________________________________________________________________________________________________________ Employees: Selection, training, supervision and experience ________________________________________________________________________________________________________________________________________________________________________________________________________ Location: accessibility, congestion and exposures ________________________________________________________________________________________________________________________________________________________________________________________________________ Miscellaneous protective features and 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 & subsequent preventive measures ________________________________________________________________________________________________________________________________________________________________________________________________________
MIDWEST FAMILY MUTUAL GAR-12 05-15
MISSOURI
GARAGE PROGRAM
ELIGIBLE CLASSES
Rate Group
Property
Auto Body or Paint Shops (Do not bind frame construction)
Auto Glass Shops
Auto Parts Stores - with Installation and Repair Facilities
Auto Upholstery Shops (Do not bind frame construction)
Car Washes - not self serve 1
Gasoline Service Stations 1
Mechanical Repair Shops (Do not bind frame construction) 2
Tire Dealers 1
* Apply a 0.90 factor to building/contents
Note: Car Washes - self-service should be rated as B.O.P. (retail store N.O.C).
3*
1*
1*
3*
Classification
MIDWEST FAMILY MUTUAL GAR-13 05-2015
MISSOURI
Entire State $250 Deductible
Construction Protection 1 2 3
Frame 01 - 08 6.81 9.53 12.96
09 - 10 8.52 11.84 16.15
Joisted 01 - 08 6.01 6.56 7.82
Masonry 09 - 10 7.50 8.20 9.76
Non- 01 - 08 6.01 6.56 7.82
Combustible 09 - 10 7.50 8.20 9.76
Masonry 01 - 08 5.49 6.03 7.12
Non- 09 - 10 6.87 7.54 8.91
Combustible
Fire 01 - 08 5.49 6.03 7.12
Resistive 09 - 10 6.87 7.54 8.91
Territory Rate 100 CSL 300 CSL 500 CSL
Entire Per
State employee 108 149 171
Notes: Aggregate limits are equal to the Occurrence limits shown above
Liability rates include $5,000 Medical Payments Coverage
1000 CSL
197
Note: Rounding may result in a $1 to $2 premium variance
Factor
.90
GARAGE LIABILITY RATES
BODILY INJURY & PROPERTY DAMAGE
Agents may bind Do Not Bind
.90
Sprinklered Factor
Multiply Building and
Personal Property rate by
.70
Replacement Cost
A.C.V. Rates
GARAGE BUILDING AND PERSONAL PROPERTY RATES
Rate per $1,000 of coverage
SPECIAL COVERAGE RATES Standard Rates
Rate Group Multiply Building and
Personal Property rate by
MIDWEST FAMILY MUTUAL GAR-14 12-2013
MISSOURI
Limit of Direct Direct Direct Direct Direct Direct Direct Direct
Liability Excess Primary Excess Primary Excess Primary Excess Primary
6,000 53 61 47 54 39 45 31 36
7,500 62 73 55 65 46 54 37 43
9,000 72 82 64 73 53 61 42 48
10,000 76 89 68 79 56 66 45 53
15,000 101 121 90 108 75 90 60 71
20,000 125 146 111 130 93 108 74 86
25,000 149 175 133 156 110 130 88 103
30,000 172 203 153 181 127 150 101 120
35,000 194 228 173 203 144 169 114 135
40,000 214 251 190 223 158 186 126 148
45,000 231 274 206 244 171 203 136 162
50,000 251 294 223 262 186 218 148 173Ea.Add'l
$5,000 16 20 14 18 12 15 9 12
Limit of Direct Direct Direct Direct Direct Direct Direct Direct
Liability Excess Primary Excess Primary Excess Primary Excess Primary
6,000 45 54 29 35 23 27 18 22
7,500 52 62 34 41 26 31 21 25
9,000 58 70 38 45 29 35 23 28
10,000 65 78 42 51 33 39 26 31
15,000 73 88 47 57 37 44 29 35
20,000 80 96 52 62 40 48 32 38
25,000 98 118 64 76 49 59 39 47
30,000 113 136 73 88 57 68 45 54
35,000 123 148 80 96 62 74 49 59
40,000 136 163 88 106 68 82 54 65
45,000 147 176 96 115 74 88 59 71
50,000 159 191 103 124 80 95 64 76
Ea. Add'l
$5,000 18 22 12 14 9 11 7 9
COMPREHENSIVE
COLLISION
Note: Rounding may result in a $1 to $2 premium variance
$100 DEDUCTIBLE $250 DEDUCTIBLE $500 DEDUCTIBLE $1000 DEDUCTIBLE
$100 DEDUCTIBLE $250 DEDUCTIBLE $500 DEDUCTIBLE $1000 DEDUCTIBLE
GARAGEKEEPERS PREMIUMS(Comprehensive and Collision limits must be equal)
MIDWEST FAMILY MUTUAL GAR-15 12-2013
MISSOURIAll Optional Coverage rates are calculated per Location
Ded $100 $250 $500 $1000 $2500
POLICY DEDUCTIBLE OPTIONS Factor 1.05 1.00 0.92 0.85 0.81
(For Building and Personal Property) Factor to be multiplied by all rates and premiums.
Factor .90
FULL REPLACEMENT COST Factor to be multiplied by building and contents premiums.
Does not apply to Inland Marine coverages.
Deductible Option
2% of
building
value
3% of
building
value
5% of
building
value
Credit Factor .95 .93 .90
PROTECTIVE DEVICE Burglar Alarm signals to Central Station .80
FACTORS Burglar Alarm System - Other .95
15% of Liability Premium - $50.00 minimum applies
BROADENED GARAGE Includes: Fire Legal Liability, Personal Injury, Advertising Injury, Host
COVERAGE Liquor, Incidental Medical Malpractice, Non-owned
FORM CA 25 14 Watercraft, Automatic Liability for Newly Acquired Garages
and Limited Worldwide Liability Coverage.
LIMIT PREMIUM FORM CA 25 14
FIRE LEGAL LIABILITY $ 50,000 $ 25.00 Included
($50,000 INCLUDED WITH THE $ 100,000 $ 39.00 $ 14.00
BROADENED GARAGE COVERAGE) $ 200,000 $ 49.00 $ 10.00
Ea Addnl $ 50,000 $ 10.00 $ 10.00
PERSONAL INJURY 15% of Liability Premium - $20.00 minimum applies
(Does not include Advertising Injury)
LIMIT PREMIUM NOTE:
$ 100,000 $ 25.00 Limits must be the
$ 300,000 $ 35.00 same as Garage
$ 500,000 $ 50.00 Liability limit
$1,000,000 $ 70.00 REFER TO UNDERWRITER
LIMIT PREMIUM NOTE:
$ 100,000 $ 25.00 Limits must be the
$ 300,000 $ 35.00 same as Garage
$ 500,000 $ 50.00 Liability limit
$1,000,000 $ 70.00 REFER TO UNDERWRITER
PROPERTY STRETCH $50.00 FLAT FEE - Includes: $1,000 of contamination cleanup,
ENDORSEMENT $2,500 credit card, $250 money & securities, $2,500 transportation,
(GAR 0006) $1,500 arson reward, $1,000 trees & shrubs, $5,000 accts receivable.
EXTERIOR GRADE FLOOR GLASS Apartment Office All Other
(Per linear foot) .40 .40 .38
OUTDOOR SIGNS $1.25 per $100 of sign value
COMMERCIAL GARAGE - OPTIONAL COVERAGES
WIND/HAIL DEDUCTIBLE
Factor is applied to property premiums, excluding equipment breakdown coverage
NON-OWNED AUTO LIABILITY
HIRED AUTO LIABILITY
(SYMBOL 28)
(SYMBOL 29)
MIDWEST FAMILY MUTUAL GAR-16 01-2014
Limit Premium
On Premises / Off Premises
$ 1,000 / $ 1,000 $ 26.00
MONEY AND SECURITIES $ 2,000 / $ 2,000 $ 46.00
$ 5,000 / $ 5,000 $ 85.00
$10,000 / $10,000 $163.00
Each Additional $10,000 $ 59.00
Limit 0 - 5 Employees More than 5
$ 5,000 $ 65.00 $ 7.00
$10,000 $ 85.00 $ 7.00
$20,000 $ 117.00 $ 9.00
EMPLOYEE DISHONESTY $30,000 $ 137.00 $ 9.00
$40,000 $ 156.00 $ 9.00
$50,000 $ 176.00 $ 10.00Each Additional
$10,000 $ 26.00 $ 13.00
Limit PremiumPremium
$ 10,000 Included
$ 25,000 $ 40.00
ACCOUNTS RECEIVABLE $ 50,000 $ 50.00
$100,000 $ 75.00Ea Additional
$ 25,000 $ 20.00
Limit PremiumPremium
$ 10,000 $ 50.00
$ 25,000 $ 75.00
CUSTOMERS' GOODS $ 50,000 $110.00
(For property other than Autos) $ 100,000 $190.00Ea Additional
$ 20,000 $ 15.00
Limit Premium
$ 10,000 Included
$ 25,000 $ 60.00
VALUABLE PAPERS $ 50,000 $ 90.00
$ 100,000 $140.00Ea Additional
$ 20,000 $ 15.00
Limit Premium
$ 5,000 $ 50.00
FOOD SPOILAGE $ 10,000 $ 90.00
BY LOSS OF REFRIGERANT $ 20,000 $ 130.00Ea Additional
$ 10,000 $ 30.00
MIDWEST FAMILY MUTUAL GAR-17 01-2014
ADDITIONAL INSUREDS Property Insurance - No Charge
Liability Insurance - See Underwriting Guidelines
CONTRACTUAL 5% of the total Garage Liability Premium
LIABILITY Note: Do not include Garagekeepers premium in the calculation
STATION DAMAGE: MOTOR
VEHICLE LEGAL LIABILITY $ 30.00 Annual Premium
WATERCRAFT INCIDENTAL
REPAIR EXTENSION $ 100.00 Annual Premium
$100 DEDUCTIBLE COMPLETED
OPERATIONS DOES NOT APPLY $ 25.00 Annual Premium
INFLATION GUARD Included, No Charge
2% PER QUARTER (Applies to Personal and Real Property)
Revenue Option 2
<$500,000 $377
500,000-1,000,000 $603
1,000,001-1,500,000 $905
1,500,001-2,000,000 $1,206
2,000,001-3,000,000 $1,718
3,000,001-4,000,000 $2,142
4,000,001-5,000,000 $2,403
5,000,001-6,000,000 $2,742
6,000,001-7,000,000 $3,082
7,000,001-8,000,000 $3,420
8,000,001-9,000,000 $3,760
9,000,001-10,000,000 $4,098
NETGUARD PLUS TM
Cyber Liability
Required on all BOP policies
$65 for $50,000 Limit
Increased Limits
Option 1: $250,000
Option 2: $500,000
Option 3: $1,000,000
Increased Limit Options
Option 1 Option 3
$269 $538
$431 $862
$646 $1,292
$862 $1,723
$1,228 $2,455
$1,529 $3,058
$1,717 $3,432
$1,958 $3,917
$2,928 $5,855
$2,202 $4,402
$2,443 $4,886
$2,686 $5,371
MIDWEST FAMILY MUTUAL GAR-18 01-2014
Personal Injury & Factor .05
Advertising Offense .05 x (bldg base rate OR .20 if no bldg) x (bldg OR contents limit/1000)
Products and Completed Factor .10
Operations Exclusion .10 x (bldg base rate OR .20 if no bldg) x (bldg OR contents limit/1000)
MULTIPLE LOCATION Number of Locations Amount of Credit
EXPENSE CREDIT 0 - 2 0
Note : Credit does NOT apply to Inland 3 - 6 5%
Marine coverages Over 6 10%
Mini or Micro Computers Deductible $250 $500 $1000 $2500
Note: A complete listing of all Charge per $100 1.50 1.40 1.30 1.25
equipment including make, model, Coverage is for Direct Physical Loss. Includes coverage for Coverage A -
serial number and cost of each item Equipment and Coverage B - Media. Coverage C - Extra Expense is 20%
is required of Coverage A limit. Maximum available limit is $75,000
(Coverage A plus Coverage B).
Deductible $100 $250 $500
TOOL FLOATER Rate 2.25 2.00 1.75
(Per $100 of Insurance) Tools valued over $300 should be individually scheduled
EMPLOYEE TOOLS May be included at the tool floater rates
NOTE: Employees must be added to policy as Additional Insureds
NOTE: Our minimum policy writing premium is $150 for the Property portion and
$250 for the Garage Liaiblity portion (including Garagekeepers).
OPTIONAL EXCLUSIONS
MULTIPLE LOCATION CREDITS
INLAND MARINE COVERAGES
MINIMUM PREMIUM
(Subject to a separate $100 minimum premium)
Note: Rounding may result in a $1 to $2 premium variance
MIDWEST FAMILY MUTUAL GAR-19 05-2015
DEALERS GARAGE PROGRAM
A. INTRODUCTION The Midwest Family Dealers program provides Property and Garage Liability coverage for small to medium-sized, well-managed used and new auto dealers. B. ELIGIBILITY To be eligible for our program a garage operator must NOT: 1. Have credit score less than 675 2. Have more than $10,000,000 in sales annually 3. Have a payroll in excess of $750,000 or more than 30 employees.
4. Sell recreational vehicles, trucks, watercraft, motorcycle or farm machinery. C. BINDING AUTHORITY
No agency binding authority exists with this program due to the variety of dealerships and the property limits and reinsurance limits needs required. Agents are encouraged to develop manual rated quotes and contact underwriting or marketing to obtain IRPM adjustments and/or binding authority.
All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and the appropriate down payment of premium has been paid to the agency and subsequently paid to company by agency sweep. This six (6) day period begins with an underwriting/marketing authorization to bind or policy effective whichever occurs last.
D. TOTAL PROPERTY VALUES AND LIABILITY LIMITS AVAILABLE
Generally, we will not write an eligible occupancy with total property values in excess of $5M. This is not a binding limit but, rather, an indication of the focus of our program.
E. PROPERTY VALUATIONS.
Midwest Family offers two property valuation options: Actual Cash Value and Replacement Cost. The rates in our manual include Actual Cash Value. If Replacement Cost is elected, the insured will receive a 10% credit on building and contents rates. Coverage under dealers physical damage is actual cash value.
The Replacement Cost option will be considered for buildings built after 1950 where evidence of updated facilities, such as heating, electrical, plumbing, and roof are provided. For structures older than 20 years, written proof of updated facilities should be included with the application.
MIDWEST FAMILY MUTUAL GAR-20 05-2014
F. APPLICATION - RATING WORKSHEET Midwest Family accepts ACORD applications for all Commercial lines products. Applications should be signed and submitted with the Garage questionnaire and the IRPM debit/credit worksheet when applicable. G. FIELD PRICING
Midwest Family encourages you to use our manual and the Garage rating worksheet to field price this product. If you need assistance, please contact our Marketing or Underwriting staff. When requesting IRPM credits for superior risks, contact your underwriter for prior approval.
H. BASIS FOR PREMIUM
Property premiums are developed per $1000 of property value. Garage Liability premiums are developed on a per employee basis. Dealers physical damage rate are per $100 of value.
Employees as defined, include all full and part-time employees, owners, partners, and corporate officers with a working role in the business. Members of the named insured’s household who are furnished an auto for regular use are to be included in the definition of employee and rated accordingly. If an employee replaces another during the policy period the employee count remains the same. Three rates are provided for employees based on the following definitions:
Employee Class #1: Any employee or member of the named insured’s household with an automobile provided for regular use.
Employee Class #2: Any employee or member of the named insured’s household less than the age of 19 with an automobile provided for regular use.
Employee Class #3: All other employees. All individuals defined as employees must be included in the calculation of the liability premium. I. AUDITS
All Garage Liability premiums are annual deposit premiums based on the estimated number of employees in the policy period. At policy expiration, an audit may be conducted and the premium adjusted based on the actual employee count. We will also conduct surprise inventories from time to time to determine that the insured is insuring their open lot to 100% of value.
MIDWEST FAMILY MUTUAL GAR-21 05-2014
J. DEDUCTIBLE
The Garage policy includes a $500 property deductible and a $100 completed operations deductible. Optional deductibles for property and liability are available and displayed in the rate pages and the optional coverage section of this manual.
K. INCREASE COVERAGE ENDORSEMENT
The Garage policy provides an annual 6% increase in building and contents coverage limits. This option is included on all policies at no additional charge to insure that property values remain consistent with general inflation.
L. NO FAULT COVERAGE
No fault auto coverage if applicable for your state is included in our liability rates at basic coverage. If other options are needed, refer to underwriting.
M. DRIVE OTHER AUTO COVERAGE
Broad form drive other car is included in the liability rates for this policy. Coverage is provided for all class 1 and 2 employees.
N. UNINSURED MOTORIST AND UNDERINSURED MOTORIST
Uninsured motorist and underinsured motorist coverage is included in the “per employee” liability rates for this policy. The limit for this coverage is equal to the limit selected for liability on the policy but never more than $500,000.
O. BUSINESS INCOME
This policy is written on a Section I Businessowners Policy for property. As such, Business Income is covered on an actual loss sustained basis for 12 months. Earnings coverage is provided in the event of a loss to the insured’s building and only to the extent the insured cannot continue to resume sales operation from an open lot or that repair work, parts, sales, or body shop operations are suspended. Loss of Income due to loss or damage to automobiles in an open lot does not trigger a Business Income loss.
P. PERILS INSURED FOR PROPERTY The Garage policy may be issued as a standard or special policy. The standard policy provides coverage on a named peril basis. The special policy provides coverage for risks of direct physical loss.
MIDWEST FAMILY MUTUAL GAR-22 05-2014
Q. ADDITIONAL INSUREDS
Additional Insureds for property will be added to the Garage policy at no additional charge. Additional Insureds for liability are discouraged and should be encouraged to purchase their own coverage. When it becomes necessary to add an additional insured for liability, the following pricing applies:
1. If the inclusion of an additional insured for Garage liability creates no
operations hazard, a charge of $50 per additional insured will be made.
2. If the inclusion of an additional insured for Garage liability creates an operations hazard, the premium will be calculated as if the additional insured were the named insured. When possible, additional insured liability requests should be discouraged by the issuance of a certificate of insurance.
R. CERTIFICATES OF INSURANCE
A Certificate of Insurance provides evidence of inforce coverage. Certificates may not alter policy provisions or coverages unless the policy is properly endorsed prior to the certificates' issuance. If it is necessary to modify the provided coverage, agents should contact their underwriter prior to issuing the certificate for the appropriate approval. * Midwest Family does not require a copy of Certificates of Insurance when issued by an agent. * Requests for Additional Insureds, Waivers of Subro, and Non-contributory Endorsements require a change notice to be processed by MFM Service Representatives or Underwriters. * Agents can process Certificates of Insurance online at www.midwestfamily.com for interests that require a cancellation notice.
MIDWEST FAMILY MUTUAL GAR-23 05-2014
GENERAL UNDERWRITING
A. LOSS EXPERIENCE
All policy applications must be submitted with prior loss history. Information printed on company stationary, or loss runs from prior carriers are acceptable documentation and provide Underwriting with a complete picture of the potential risk. If prior loss information is unavailable, the insured should sign a statement with respect to known losses from the previous five years. No IRPM credits will be given unless prior loss information is provided.
B. FINANCIAL STATEMENTS Midwest Family does not require financial statements on all submissions. Agents should understand however, that Underwriting may randomly request financial information to increase their confidence in the quality of a submission. When requesting IRPM credits, agents are encouraged to submit financial information as evidence of a financially sound operation. C. BUILDING VALUATIONS
Midwest Family’s Garage program requires that all property be insured for the full value (100% ACV, RC). When requesting Actual Cash Value coverage (ACV), it is not necessary to submit a building cost estimator; however, when requesting Replacement Cost coverage, a building cost estimator should be submitted with the application.
All building values will be validated in our office using the Marshall Swift/BOECKH method.
D. PHOTOGRAPHS
A photograph of each commercial property location to be insured must be included with the application. This should include a close up of the building and an additional photo that depicts the open lot and its lighting, fencing, and security.
E. GARAGEKEEPERS COVERAGE
We will provide comprehensive and collision coverage for eligible risks (seeeligible class listing) on either a primary or excess basis for the premium shown in our optional coverage rate page. The deductibles listed on the declarations page for each coverage component will apply in the event of a loss.
We have elected to provide broader than legal liability only for Garagekeepers insurance.
MIDWEST FAMILY MUTUAL GAR-24 05-2014
F. MANAGEMENT EXPERIENCE Generally, we will consider Garage coverage on any business where the existing ownership or management can illustrate at least one year of previous management experience in the same or a related field. Though new ventures are not prohibited, they must be submitted unbound to Underwriting for approval. G. DEALER PHYSICAL DAMAGE
Dealers physical damage is written on an actual cash value basis. Losses to automobiles are adjusted on a “repair or replace” basis at the company’s option. Our standard deductible on comprehensive coverage is $1,000 with a maximum deductible per occurrence of $25,000. Our standard collision deductible is $1,000. Higher options are available…see rate pages.
Rates for physical damage are per $100 of open lot value. No different limit for comprehensive versus collision is considered. Our program contemplates 100% insurance to value and as a result of 100% of inventory value of automobiles is used in the rating basis. Periodic inspection inventories will be conducted to determine 100% insurance to value. Collision coverage can be excluded for a premium credit. New automobiles may also be excluded for comprehensive and collision. Use the used car rates if new automobiles are not covered.
H. DRIVING RECORDS AND ACCIDENT RECORDS
MVRs are ordered for all employees with greater attention to employees or household members with automobiles furnished for regular use. CLUE is used where appropriate on individual and partnership accounts. Detailed loss experience runs are very important. Major violations are generally not acceptable in this program but can be considered with larger accounts and/or older violations.
I. SPRAY PAINTING We expect that all risks with spray painting operations have a UL approved spray paint booth. J. PROPANE - LP GAS Propane and LP gas exposures are unacceptable for our program and will not be written if the risk handles propane or LP gas sales. K. TOWING
Towing exposures are considered if the tow truck is used by the insured for towing customer’s autos for repair purposes. We will not consider AAA towing or tractor/trailer towing.
MIDWEST FAMILY MUTUAL GAR-25 05-2014
L. DIESEL ENGINE AND TRACTOR/TRAILER REPAIR
Our program anticipates no tractor/trailer or truck sales repair and only limited diesel engine repair. Receipts from diesel engine repair must not exceed 5% of total car sales or service receipts.
M. INDIVIDUAL RISK PREMIUM MODIFICATION
The following modifications may be applied to recognize special characteristics of the risk that are not fully reflected in the rates.
The total amount of credit or debit developed using the following table may not exceed 25%. The credit or debit developed is applied to the premium after all other rating procedures. Range of Modifications
Risk Variations Credit Debit 1. Care and condition of equipment and premises 10% to 10% 2. Classification variations 10% to 10% 3. Cooperation of owners or operators with 10% to 10% recommendations with respect to structural features, segregation and control of hazards and maintenance of protective equipment 4. Damage and susceptibility 10% to 10% 5. Dispersion or concentration 5% to 5% 6. Employees: selection, training, supervision 5% to 5% and experience 7. Location: accessibility, congestion and exposures 10% to 10% 8. Miscellaneous protective features or hazards 10% to 10% 9. Protective devices not otherwise reflected in rates 10% to 10% 10. Storage practices and hazardous operations 10% to 10% 11. Superior or inferior structural features 10% to 10% 12. Past losses relative to number of exposure units 10% to 10% and subsequent preventive measures IRPM credits can only be obtained from Underwriting or Marketing. The IRPM Documentation Worksheet must be completed to document the special characteristics of the risk.
N. DEALERS ADVANTAGE ENDORSEMENT
All dealers will receive our Dealers Advantage coverage at no additional premium. This coverage is included in the property and liability rates in the following rate tables. Coverage provided by the Dealers Advantage is:
Limit if applicable
MIDWEST FAMILY MUTUAL GAR-26 05-2014
Agreed amount – No coinsurance Arson reward $7,500 Newly acquired or constructed real property $500,000 New acquired business personal property $500,000 Personal effects of others $15,000 Business personal property in transit $50,000 Business personal property away from the premises $50,000 Pollutant clean up and removal on premises $25,000 Business personal property extension up to 1,000 ft. Rekeying of locks $1,000 Signs $15,000 per location Fire extinguisher recharge and Fire Dept. Serv. Chg. $2,500 each Property at fairs or exhibition $25,000 False pretense coverage Broad form Drive Other Car Diminish value new automobiles – 10% up to a max. of $2,500 per auto Insurance agents errors and omissions Security interest errors and omissions Truth in lending errors and omissions Odometer and prior damage errors & omissions Broad form Products/Completed Operations Non-owned watercraft liability Broadened “Insured” definition
O. EXPERIENCE RATING
It is Midwest Family’s intent to award employers who exemplify good safety procedures and loss control as evidenced by the insured’s loss ratio. It is also our desire to encourage this behavior in our customers. To be eligible for this credit, the insured’s annual earned premium for coverages eligible must be at least $5,000.
Midwest Family will apply a credit to all of the insured’s commercial premiums (except Workers’ Compensation) according to the following table:
Loss Ratio Premium Credit 50% or more 0% 40-49.9% 5% 32-39.9% 10% 25-31.9% 15% 20-24.9% 20% less than 20 25%
This credit will be applied to the insured’s next annual premium and will apply to Commercial Property, Liability, Commercial Inland Marine, Commercial Umbrella, Motor Carrier and Commercial Auto coverage premiums. It does NOT apply to Worker’s Compensation. The credit or debit will be applied to the total policy premium, prior to the IRPM factor.
MIDWEST FAMILY MUTUAL GAR-27 05-2015
ELIGIBLE CLASSES
Used Car Dealers
New Car Dealers
STATE TERRITORY DEFINITIONS
Entire state
DEALERS STATE FACTORS
Factor times property, liability, dealer physical factor not multiplied times Garagekeepers, optional coverages
AZ 1.00 IL .95 IN 1.00 IA .85 KS 1.00 MN 1.00 MO 1.00 MT 1.00 NE 1.05 NV 1.00 ND 1.05 SD 1.05 WI .90
MIDWEST FAMILY MUTUAL GAR-28 07-2013
DEALERS PROGRAM
GARAGE SUPPLEMENTAL ACORD APPLICATION/WORKSHEET
Applicant’s Name________________________________________________________________________________ SS#___________________ Phone #____________________Companion Policy #____________________________ Policy Type: ________ Standard ______ Special Territory:________ Rate Group (property)_______________ Deductible (Prop.) ___500 ___1,000 ___2,500 Deductible Credit/Debit +/-________ Multiple Location Credit _______ IRPM +/- ___________ Building Limit: _______________ Contents Limit : ___________________ Building: ______X_________X__________X__________X________X___________ = _________ (rate) (Sprk Factor) (RC Factor) (Prot. Device) (Limit) (Credit Factor)** Contents: ______X_________X__________X__________X________X___________ = _________ (rate) (Sprk Factor) (RC Factor) (Prot. Device) (Limit) (Credit Factor)** TOTAL BUILDING AND CONTENTS PREMIUM = _________ Liability Limits* ($100 Ded. applies to completed operations) ____100,000/100,000 ____300,000/300,000 ____500,000/500,000 ____1,000,000/1,000,000 *Includes premises medical payments limit of $1,000 and no-fault coverage where applicable. Class 1 employees _______X_____________________X____________X______________ = $ _______________ Class 2 employees _______X_____________________X____________X______________ = $ _______________ Class 3 employees _______X_____________________X____________X______________ = $ _______________
Number Premium per employee Med Pay factor Credit factor - Premium (does not incl ded) Total Garage Liability Premium $ ________________ OPTIONAL COVERAGES - (list) IRPM Type of Coverage Deductible Amount Rate Credit Factor** Premium Garagekeepers - Comp __________ ________ ______ _________ = $ _________ Garagekeepers - Coll __________ ________ ______ _________ = $ _________ Dealers Physical Damage __________ ________ ______ _________ = $ _________ __________________ ________ ______ _________ = $ _________ __________________ ________ ______ _________ = $ _________ __________________ ________ ______ _________ = $ _________ Garagekeepers Option: (Check one only) ______Excess _____ Primary TOTAL OPTIONAL COVERAGES = _________ TOTAL POLICY PREMIUM = _________ **(The Credit Factor is equal to the sum of all credits including deductible, multiple location, and IRPM). Minimum premium is $500.
UNDERWRITING INFORMATION - ALL QUESTIONS MUST BE ANSWERED 1. Electrical, Heating, Plumbing, & Roof: When Updated: Elec_______Heat_______Plumb_______Roof_______ 2. Age of building __________ Number of stories ___________________ Total ground square footage______________ 3. Annual Payroll $_________ Annual Receipts $__________ 4. Is equipment rented, loaned or leased to others? If yes, describe:_______________ __Yes __No Annual rental/lease receipts $____________________ 5. Any out of state operations performed? Where?______________________________ __Yes __No 6. Has the applicant been in any other business in the past 5 years?________________ __Yes __No 7. Are clients allowed in service area?_________________________________________ __Yes __No 8. Is a separate client waiting area provided?___________________________________ __Yes __No 9. Describe the type of repair or service work and any type of specialization________ __Yes __No _________________________________________________________________________ 10. Are spray painting exposures present? Please complete bodyshop questionnaire. __Yes __No If so, is a U. L. Approved booth used? __Yes __No
MIDWEST FAMILY MUTUAL GAR-29 05-2015
DEALERS PROGRAM 11. Are customers cars driven routinely? __Yes __No Describe amount driven and who drives?_____________________________________ 12. Does applicant have dealer plates?____Number of plates?____ # of cars sold annually ____ Sales $________ 13. Describe type of vehicles customarily repaired or serviced_________________________________________
LIST ALLCLASS 1, 2 OR 3 EMPLOYEES (include owners, partners, managers, household members etc;) Name Position Date of Birth Drivers License Number ________________ ___________ ______________ ______________________ ________________ ___________ ______________ ______________________ ________________ ___________ ______________ ______________________
LIST ALL EMPLOYEES (include owners, partners, managers, household members etc;) Name Position Date of Birth Drivers License Number ________________ ___________ ______________ ______________________ ________________ ___________ ______________ ______________________ ________________ ___________ ______________ ______________________ 14. Are any of the above employees related to the insured?____Yes __No List Relatives__________________ 15. Applications Required?_____ References Checked?_____ Physical Exams Required?________________ Minors hired? (<18) _______ Any Employees on Social Security? _________________________________ 16. Has the applicant ever experienced a fire loss in this business, any other business or at their place of residence? __Yes __No 17. Are two signatures required on checks? __Yes __No 18. Does someone other than those authorized to sign checks reconcile bank accounts? __Yes __No 19. How often are bank accounts reconciled? ________ How frequently are physical inventories taken? _____________ Frequency of audits: _________ Conducted by: ____________________________ 20. Has this business ever had a robbery? __Yes __No 21. Does the time of deposits vary? ______ Is the route changed? __Yes __No 22. How frequently are deposits made?______Distance to Bank?_________ How conveyed?______________ 23. How much money is carried at one time? _____ How much money is kept on premises overnight?_____
INDIVIDUAL RISK PREMIUM MODIFICATION DOCUMENTATION WORKSHEET (Briefly tell us what is extraordinary about the risk you are writing. Attach supplements if space provided is inadequate.) Care and condition of equipment and premises ___________________________________________________ ________________________________________________________________________________________________ Classification variations _________________________________________________________________________ ________________________________________________________________________________________________ Cooperation of owners or operators with recommendations with respect to structural features, segrega- tions, & control of hazards and maintenance of protective equipment_________________________________ ________________________________________________________________________________________________ Damage and susceptibility _______________________________________________________________________ ________________________________________________________________________________________________ Employees: Selection, training, supervision and experience _________________________________________ ________________________________________________________________________________________________ Location: accessibility, congestion and exposures __________________________________________________ ________________________________________________________________________________________________ Miscellaneous protective features and 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 & subsequent preventive measures ___________________ ________________________________________________________________________________________________
MIDWEST FAMILY MUTUAL GAR-30 05-2015
Missouri GARAGE DEALER PROGRAM A.C.V. Rates
BUILDING AND PERSONAL PROPERTY RATES
New Car Rates $500 Deductible Rate per $1,000 of coverage
COVERAGE RATES BUILDING & PERSONAL PROPERTY RATES
PROTECTION CLASS 1 – 8
Frame Joisted Masonry & Non-Combustible Fire Resistive & Masonry Non-Combustible
6.35 5.59 5.11
BUILDING & PERSONAL PROPERTY RATES
PROTECTION CLASS 9 & 10
Frame Joisted Masonry & Non-Combustible Fire Resistive & Masonry Non-Combustible
7.93 6.60 5.93
MIDWEST FAMILY MUTUAL GAR-31 05-14
Missouri GARAGE DEALER PROGRAM
BUILDING AND PERSONAL PROPERTY RATES
Used Car Rates $500 Deductible Rate per $1,000 of coverage
COVERAGE RATES BUILDING & PERSONAL PROPERTY RATES
PROTECTION CLASS 1 – 8
Frame Joisted Masonry & Non-Combustible Fire Resistive & Masonry Non-Combustible
7.48 6.58 6.02
BUILDING & PERSONAL PROPERTY RATES
PROTECTION CLASS 9 & 10
Frame Joisted Masonry & Non-Combustible Fire Resistive & Masonry Non-Combustible
9.33 7.77 6.98
Replacement Cost Factor .90
Sprinklered Factor - Multiply Building and Personal Property rate by .70
Note: Rounding may result in a $1 to $2 premium variance.
MIDWEST FAMILY MUTUAL GAR-32 05-2015
Missouri GARAGE DEALER PROGRAM
NEW & USED CAR DEALER GARAGE LIABILITY RATES BODILY INJURY & PROPERTY DAMAGE-Including $1,000 Med Pay or no-fault where applicable.
Employee Class
Rate 100,000 300,000 500,000 1,000,000
1 Per employee 347 520 722 924 2 Per employee 548 722 993 1,328 3 Per employee 166 226 254 296
Note: Aggregate limits are equal two times the Occurrence limits shown above. Broad form drives other car is included and UM/UIM are included to a maximum limit of $500,000.
DEALERS PHYSICAL DAMAGE PREMIUM TABLE
$1,000 Deductible per Auto / $25,000 Per Occurrence RATE PER $100 OF INSURANCE NEW CAR USED CAR LIMIT RATE PREMIUM RATE PREMIUM $ 100,000.00 2.36 $ 2,360.00 2.94 $ 2,940.00 $ 125,000.00 2.36 $ 2,950.00 2.94 $ 3,675.00 $ 150,000.00 2.36 $ 3,540.00 2.94 $ 4,410.00 $ 175,000.00 2.36 $ 4,130.00 2.94 $ 5,145.00 $ 200,000.00 2.36 $ 4,720.00 2.94 $ 5,880.00 $ 225,000.00 2.36 $ 5,310.00 2.94 $ 6,615.00 $ 250,000.00 2.21 $ 5,525.00 2.89 $ 7,225.00 $ 275,000.00 2.21 $ 6,077.50 2.89 $ 7,947.50 $ 300,000.00 2.21 $ 6,630.00 2.89 $ 8,670.00 $ 325,000.00 2.21 $ 7,182.50 2.89 $ 9,392.50 $ 350,000.00 2.21 $ 7,735.00 2.89 $ 10,115.00 $ 375,000.00 2.21 $ 8,287.50 2.89 $10,837.50 $ 400,000.00 2.21 $ 8,840.00 2.89 $11,560.00 $ 425,000.00 2.21 $ 9,392.50 2.89 $12,282.50 $ 450,000.00 2.21 $ 9,945.00 2.89 $13,005.00 $ 475,000.00 2.21 $ 10,497.50 2.89 $13,727.50 $ 500,000.00 1.97 $ 9.850.00 2.52 $12,600.00 $ 525,000.00 1.97 $ 10,342.50 2.52 $13,230.00 $ 550,000.00 1.97 $10,835.00 2.52 $13,860.00 $ 575,000.00 1.97 $11,327.50 2.52 $14,490.00 $ 600,000.00 1.97 $11,820.00 2.52 $15,120.00 $ 625,000.00 1.97 $12,312.50 2.52 $15,750.00 $ 650,000.00 1.97 $12,805.00 2.52 $16,380.00 $ 675,000.00 1.97 $13,297.50 2.52 $17,010.00 $ 700,000.00 1.97 $13,790.00 2.52 $17,640.00 $ 725,000.00 1.97 $14,282.50 2.52 $18,270.00 $ 750,000.00 1.73 $12,975.00 2.21 $16,575.00 $ 775,000.00 1.73 $13,407.50 2.21 $17,127.50 $ 800,000.00 1.73 $13,840.00 2.21 $17,680.00 $ 825,000.00 1.73 $14,272.50 2.21 $18,232.50 $ 850,000.00 1.73 $14,705.00 2.21 $18,785.00
MIDWEST FAMILY MUTUAL GAR-33 03-11
Missouri GARAGE DEALER PROGRAM $ 875,000.00 1.73 $15,137.50 2.21 $19,337.50 $ 900,000.00 1.73 $15.570.00 2.21 $19,890.00 $ 925,000.00 1.73 $16,002.50 2.21 $20,442.50 $ 950,000.00 1.73 $16,435.00 2.21 $20,995.00 $ 975,000.00 1.73 $16,867.50 2.21 $21,547.50 $1,000,000.00 1.58 $15,800.00 2.10 $21,000.00 $1,025,000.00 1.58 $16,195.00 2.10 $21,525.00 $1,050,000.00 1.58 $16,590.00 2.10 $22,050.00 $1,075,000.00 1.58 $16,985.00 2.10 $22,575.00 $1,100,000.00 1.58 $17,380.00 2.10 $23,100.00 $1,125,000.00 1.58 $17,775.00 2.10 $23,625.00 $1,150,000.00 1.58 $18,170.00 2.10 $24,150.00 $1,175,000.00 1.58 $18,565.00 2.10 $24,675.00 $1,200,000.00 1.58 $18,960.00 2.10 $25,200.00 $1,225,000.00 1.58 $19,355.00 2.10 $25,725.00 $1,250,000.00 1.58 $19,750.00 2.10 $26,250.00 $1,275,000.00 1.58 $20,145.00 2.10 $26,775.00 $1,300,000.00 1.58 $20,540.00 2.10 $27,300.00 $1,325,000.00 1.58 $20,935.00 2.10 $27,825.00 $1,350,000.00 1.58 $21,330.00 2.10 $28,350.00 $1,375,000.00 1.58 $21,725.00 2.10 $28,875.00 $1,400,000.00 1.58 $22,120.00 2.10 $29,400.00 $1,425,000.00 1.58 $22,515.00 2.10 $29,925.00 $1,450,000.00 1.58 $22,910.00 2.10 $29,400.00 $1,475,000.00 1.58 $23,305.00 2.10 $30,450.00 $1,500,000.00 1.42 $21,300.00 1.58 $23,700.00 Each add’l $10,000 14.18 15.75 Optional Deductible Factors
$500 deductible/ $10,000 occurrence* 1.30 $1,000 deductible/$10,000 occurrence* 1.15 $2,500 deductible/$10,000 occurrence* .925 $2,500 deductible/$25,000 occurrence* .85 $5,000 deductible/$25,000 occurrence* .79
If no collision coverage rate factor is .85 times above premiums. *The occurrence deductible applies to any comprehensive loss effecting more than one auto i.e.: fire, windstorm or hail. The occurrence deductible does not apply to collision.
MIDWEST FAMILY MUTUAL GAR-34 03-11
Missouri GARAGE DEALER PROGRAM
GARAGEKEEPERS PREMIUMS
(NOT DEALERS PHYSICAL DAMAGE) Comprehensive and Collision limits must be equal
COMPREHENSIVE
Limit of Liability
$250 DEDUCTIBLE
Direct Direct Excess Primary
$500 DEDUCTIBLE
Direct Direct Excess Primary
$1,000 DEDUCTIBLE
Direct Direct Excess Primary
6,000 49 58 41 48 32 38 7,500 59 68 49 56 39 45 9,000 67 77 56 64 44 51
10,000 71 84 59 70 47 55 15,000 95 113 79 94 63 75 20,000 117 137 98 114 78 91 25,000 140 164 116 136 93 109 30,000 161 190 134 158 107 126 35,000 182 214 151 178 120 142 40,000 201 235 167 195 133 156 45,000 217 256 181 213 144 170 50,000 235 276 195 229 156 183
Ea. Add’l $5,000
16
19
13
16
11
12
COLLISION Limit of Liability
$500 DEDUCTIBLE
Direct Direct Excess Primary
$1,000 DEDUCTIBLE
Direct Direct Excess Primary
$2,500 DEDUCTIBLE
Direct Direct Excess Primary
6,000 31 37 24 28 19 23 7,500 36 43 28 33 22 26 9,000 40 48 31 37 25 30
10,000 44 53 34 41 27 33 15,000 62 74 48 57 38 46 20,000 79 94 61 73 48 58 25,000 94 113 73 87 58 70 30,000 110 132 85 101 68 81 35,000 123 147 95 113 76 91 40,000 135 162 104 125 83 100 45,000 146 175 112 134 90 108 50,000 158 190 122 146 97 117
Ea. Add’l $5,000
12
15
10
11
8
9
Note: Rounding may result in a $1 to $2 premium variance
MIDWEST FAMILY MUTUAL GAR-35 03-11
Missouri GARAGE DEALER PROGRAM
OPTIONAL COVERAGES All Optional Coverage rates are calculated per Location
POLICY DEDUCTIBLE OPTIONS (For Building and Personal Property)
Ded 1000 2500 5000 10,000 25,000 Factor 0.9 0.85 0.8 .75 .63 Factor to be multiplied by all property rates and premiums.
MEDICAL PAYMENT OPTIONS ($1,000 included in
Garage Dealers Liability)
Wind/Hail Deductible
Ded 0 500 1000 Factor 0.93 0.95 Incl. Factor to be multiplied by Garage Liability Rates Deductible Option 2% of Building 3% of Building 5% of Building Value Value Value Credit Factor .95 .93 .90 Factor is applied to property premiums, excluding equipment breakdown coverage
FULL REPLACEMENT COST
Factor .90 Factor to be multiplied by building and contents premiums. Does not apply to Inland Marine coverages.
PROTECTIVE DEVICE FACTORS Burglar Alarm signals to Central Station .80 Burglar Alarm System – Other .95
FIRE LEGAL LIABILITY
(50,000 INCLUDED WITH THE BROADENED GARAGE COVERAGE)
LIMIT PREMIUM FORM CA 25 14 $ 50,000 $25.00 Included $100,000 $39.00 $14.00 $200,000 $49.00 $10.00 Ea. Addnl $50,000 $10.00 $10.00
EXTERIOR GRADE FLOOR GLASS (Per linear foot)
Entire State .38
OUTDOOR SIGNS $1.25 per $100 of sign value
MONEY AND SECURITIES
Limit Premium On Premises/Off Premises $ 1,000 / $ 1,000 $ 26.00 $ 2,000 / $ 2,000 $ 46.00 $ 5,000 / $ 5,000 $ 85.00 $10,000 / $ 10,000 $ 163.00
Each Additional $10,000 $59.00
MIDWEST FAMILY MUTUAL GAR-36 01-14
Missouri GARAGE DEALER PROGRAM
EMPLOYEE DISHONESTY
Limit 0 – 5 Employees More than 5 $ 5,000 $ 65.00 $ 7.00 $10,000 $ 85.00 $ 7.00 $20,000 $ 117.00 $ 9.00 $30,000 $ 137.00 $ 9.00 $40,000 $ 156.00 $ 9.00 $50,000 $ 176.00 $10.00 Each additional $10,000 $ 26.00 $13.00
ACCOUNTS RECEIVABLE
Limit Premium $ 10,000 Included $ 25,000 $40.00 $ 50,000 $50.00 $100,000 $75.00 Ea. Additional $10,000 $20.00
CUSTOMERS’ GOODS
(For property other than Autos)
Limit Premium $ 10,000 $ 50.00 $ 25,000 $ 75.00 $ 50,000 $110.00 $100,000 $190.00 Ea. Additional $20,000 $ 15.00
VALUABLE PAPERS
Limit Premium $ 10,000 Included $ 25,000 $ 60.00 $ 50,000 $ 90.00 $100,000 $140.00 Ea. Additional $20,000 $ 15.00
ADDITIONAL INSUREDS
Property Insurance – No Charge Liability Insurance – See Underwriting Guidelines
BUILDING DAMAGE: MOTOR
VEHICLE LEGAL LIABILITY
$ 30.00 Annual Premium
WATERCRAFT INCIDENTAL
REPAIR EXTENSION
$ 100.00 Annual Premium
MIDWEST FAMILY MUTUAL GAR-37 01-14
Missouri GARAGE DEALER PROGRAM
$100 DEDUCTIBLE COMPLETED OPERATIONS DOES NOT APPLY
$ 25.00 Annual Premium
INFLATION GUARD 1.5% PER QUARTER
Included, No Charge (Applies to Personal and Real Property)
NETGUARD PLUSTM Cyber Liability
Required on all BOP policies $65 for $50,000 Limit
Increased Limits Option 1: $250,000 Option 2: $500,000
Option 3: $1,000,000
Increased Limit Options
Revenue Option 1 Option 2 Option 3
<$500,000 $269 $377 $538
500,000-1,000,000 $431 $603 $862
1,000,001-1,500,000 $646 $905 $1,292
1,500,001-2,000,000 $862 $1,206 $1,723
2,000,001-3,000,000 $1,228 $1,718 $2,455
3,000,001-4,000,000 $1,529 $2,142 $3,058
4,000,001-5,000,000 $1,717 $2,403 $3,432
5,000,001-6,000,000 $1,958 $2,742 $3,917
6,000,001-7,000,000 $2,202 $3,082 $4,402
7,000,001-8,000,000 $2,443 $3,420 $4,886
8,000,001-9,000,000 $2,686 $3,760 $5,371 9,000,001-10,000,000 $2,928 $4,098 $5,855
MULTIPLE LOCATION CREDITS
MULTIPLE LOCATION CREDIT Note: Credit does NOT apply to
Inland Marine Coverages
Number of Locations Amount of Credit 0 – 2 0 3 – 6 5% Over 6 10%
INLAND MARINE COVERAGES (Subject to a separate $100 minimum premium)
ELECTRONIC DATA
PROCESSING EQUIPMENT
Deductible $250 $500 $1000 $2500 Charge per $100 1.50 1.40 1.30 1.25
Coverage is for Direct Physical Loss. Includes coverage for Coverage A – Equipment and Coverage B – Media. Coverage C – Extra Expense is 20% of Coverage A limit. Maximum available limit is $75,000 (Coverage A plus Coverage B).
MIDWEST FAMILY MUTUAL GAR-38 01-14
Missouri GARAGE DEALER PROGRAM
TOOL FLOATER
(Per $100 of Insurance)
Deductible $100 $250 $500 $1000 Rate 2.25 2.00 1.75 1.50 Tools valued over $300 must be individually scheduled
EMPLOYEE TOOLS
May be included at the tool floater rates Note: Employee must be added to policy as Additional Insureds
POLICY MINIMUM PREMIUM
$500
MIDWEST FAMILY MUTUAL GAR-39 01-14
MISSOURI WORKERS COMPENSATION
A. ELIGIBILITY - GENERAL
Midwest Family will provide Workers Compensation coverage (subject to individual risk underwriting) for eligible Businessowner, Contractor, and Garage policyholders with at least 1 year of operating experience. Documentation must be provided showing current continuous health insurance coverage and continuous prior workers compensation coverage. A complete five-year loss experience must be submitted. The insured must maintain a current workers compensation Certificate of Insurance for any subcontractor and have them available for audit. Failure to do so will result in that subcontractor cost being added to payroll resulting in a larger audit premium. Individual proprietors, partners and corporate officers may elect coverage, subject to your states laws. If a corporation, please list all corporate officers, their titles and whether they are active in the business. If they are active, advise their duties and payroll. If inactive, please advise their present occupations. Remember to provide documentation of in force health insurance. To determine a risk’s eligibility, refer to the appropriate eligibility class listing in the manual. Monoline policies will not be considered or written.
B. INELIGIBLE CLASSES/ RISKS Workers Compensation will not be considered on the following classes: Butchering Landscape Gardening Lawn Services Retail - Not Otherwise Classified (submit unbound with details) Carpet Layers Contractors - Not Otherwise Classified (submit unbound with details) Concrete Construction Cleaners - Window (above 2 stories) Garage and Overhead Door Installers - metal and wood Full Service Car Wash Liquor Stores Taverns and Bars Insulation Workers Lateral and Septic Tank Installers Service Stations Experience Modification Factor in excess of 1.00 Questionable financial responsibility Continuously poor loss record Risks that have or may have operations in other states Cancelled or non-renewed by prior carrier within the past three years
MIDWEST FAMILY MUTUAL WC-1 01-2014
MISSOURI WORKERS COMPENSATION
The above classifications/risks cannot be bound and are generally not written. If you believe an exception should be made, submit the application with complete details unbound to Underwriting for approval.
C. BINDING AUTHORITY Agents are authorized to bind Workers Compensation coverage if a risk is defined as eligible under paragraphs A and B above. All binding of coverage expires unless Midwest Family receives written confirmation of such coverage within six (6) calendar days of the policy effective date and the appropriate down payment of premium. D. APPLICATION Midwest Family accepts Accord applications for all Commercial lines of business. We encourage agents to submit a cover letter with each application to outline the unique qualities and exposures of the risk. E. MINIMUM PREMIUMS
1. The minimum premium for a policy shall be determined as follows:
a. For a policy with only one classification apply the minimum premium for that classification.
b. For a policy with two or more classifications, apply the highest minimum premium for any classification on the policy.
2. The minimum premium is subject to a maximum value of $800.
MIDWEST FAMILY MUTUAL WC-2 01-2014
MISSOURI WORKERS COMPENSATION
F. SCHEDULE ADJUSTMENTS The following schedule adjustment debits and credits may be applied to particular risks with Underwriter approval. Following are the ranges and factors:
SCHEDULE ADJUSTMENT TABLE RANGE OF MODIFICATIONS
RISK CHARACTERISTICS CREDIT DEBIT Premises - Physical condition, preventive maintenance, hazards 10% to 10% controlled, housekeeping Health and Medical - First aid or medical assistance, emergency or 15% to 15% disaster plans, return-to-work policy, alcohol or substance abuse programs, industrial hygiene and ergonomics Safety Devices and Equipment - Type and condition, guarding, 15% to 15% personal protective equipment, maintenance Employees - Selection, training, experience, motivation, supervision 10% to 10% Management - Commitment to workplace safety, involvement in loss 15% to 15% control programs, cooperation with insurer Safety Organization - Accident investigation and analysis, record 10% to 10% keeping, safety committee organization and effectiveness
No more than 25% credit or debit may be applied to any single risk. The calculated credit/debit will be approved by the Underwriter and applied to the gross Workers’ Compensation premium.
G. TERRORISM AND CATASTROPHE COVERAGE
Premium Terrorism (TRIPRA) – Per $100 of Payroll $.01 / $100
H. Reason for cancellation: Nonpayment of Premium, Insured Request, a material misrepresentation of the risk, or inability of insured to return information requested from the company within 60 days.
MIDWEST FAMILY MUTUAL WC-3 01-2014
MISSOURI WORKERS COMPENSATION
Missouri – Rating Loss Cost Factor 1.40
To calculate a particular risks rate: • Base x Loss Cost Factor = Result #1 • Result #1 x (Payroll/100) = Result #2 • Result #2 + 260 (Expense Constant) = Final Rate
Base- Voluntary Loss Cost rates from the NCCI
Loss Cost Factor - Always 1.40 Minimum Premium - See Minimum Premiums by class code Expense Constant - Always 260 Second Injury Fund Surcharge: Use statistical code 0935. 3% of policy premium Administrative Surcharge: 1% of policy premium Supplementary Second Injury Fund Surcharge: 3% of policy premium. NOTE: Midwest Family Mutual Insurance Company does not write per capita classifications and/or maritime and federal classifications. Premium Discount Percentages – (See Basic Manual) The following premium discounts are applicable to Standard Premiums: Premium % 0 to $5,000 0.0 $5,001 to $100,000 10.9% $100,001 to $500,00 12.6% over $500,000 14.4% INCREASED LIMITS
Limits of Liability (000 omitted)
Percentage Minimum Premium
500/500/500 0.8% $75 1,000/1,000/1,000 1.1% $120
MIDWEST FAMILY MUTUAL WC-1 01-2015