travelers agribusiness underwriting manual · 2012-10-17 · supplement – iso commercial lines...

Travelers Agribusiness

Underwriting Manual

April 2011

Proprietary information is for Travelers Agribusiness Appointed Agents and Travelers personnel only and

should not be copied or shared without the expressed written consent of Travelers

TRAVELERS AGRIBUSINESS DIVISION

AGRIBUSINESS MANUAL TABLE OF CONTENTS

Page General Underwriting Guidelines 2

Agribusiness Charter 2 Required Information 3 Eligibility 4 715 versus 700 Policies 5 Property Insurance Concerns 6 Casualty Insurance Concerns 7

Minimum Underwriting File Standards 8 Class of Business Guide 8

Target Classes of Business 8 Class Guide 9

Travelers General Rules Pages 10 Section I – General Rules 10 Section II – Basic Coverages and Premium Computation 12 Section III – Optional Coverages 18

Travelers Rate Pages 56 Section I – Property Coverages Rates 56 Section II – Property Coverages Common Rating Factors 66 Section III – Liability Rates 76 Section IV – Stable Liability Rates 83

Travelers Supplementary Rule & Rate Pages 89 Special Events 89 Equine Professional Services 92 Additional Insured Broad Form Vendors 93

General Rules Edition Guide 94 Rate Page Edition Guide 96

AGRIBUSINESS CHARTER Overview • Provides products for farms, ranches, wineries and large commercial growers of agricultural

products Center of Excellence • Farming, Ranching and Equine Operations

• Winery and Vineyards Operations • Equine Mortality

Target Industries • Agricultural Production (crops, livestock, animal specialties) • Farm Management, Harvesting operations • Wholesale Nurseries (trees, shrubs, etc.) • Horse Farms (breeding, boarding and training) • Estate Farms and Plantations • Wineries, Vineyards and Vineyard Management

Lines of Insurance Lines of Insurance • General Liability • Property • Auto • Umbrella/Excess • Inland Marine

• Boiler & Machinery • Equine Mortality • ISO Farm/Ranch Forms (with some proprietary forms) • Farmowners Package • Crime

Out of Scope for BU – Cross-Sell through another BU

Lines of Insurance • Ocean Marine • Directors & Officers • Aviation Liability & Hull

Physical Damage • Crime

• Internet Liability • Railroad Protective Liability • Owners & Contractors Protective • Boiler & Machinery • Inland Marine

Out of Scope Lines of Insurance • Workers Compensation • Errors & Omissions • Employment Practices Liability • Educators Legal Liability • Law Enforcement Liability • Public Entity Management Liability • Misc. Professional Liability • Medical Malpractice • Technology E&O • Accidental Death or Disability

Industries/Exposures • Manufacturing

Operations • Crop Dusters • Tobacco Farming

Operations • Commercial Grain

Elevators

Other • Crop Insurance

Premium Size/Risk Size • $1 million gross annual premium Limits Profile • GL 1/2/2

• Umbrella up to $25 million • Auto up to $1 million • TIV <$250 million

Territory • United States Pricing Mechanisms • Guaranteed Cost Special Services Offered • None Automated Underwriting • Admitted/Non-Admitted • Admitted

Independent Agents & Brokers

MGAs/Programs Wholesale Brokers Aggregators Distribution

Yes Yes Yes Yes

2

REQUIRED INFORMATION UPON APPLICATION Application Completed and signed by the insured.

Photographs Labeled photographs of each building covered are required up application or when there is a significant change in the building value.

Diagrams/Plot Plans A diagram or plot plan showing all buildings (insured and not insured) and their location, size and distance from other buildings is required.

Cost estimator (MSB) Use the appropriate building cost estimating tool (agribusiness, residential or commercial) to determine and document insurance to value.

3

ELIGIBLE

Risks actively involved in the growing and marketing of field crops, fruits, nuts, vegetables, including large commercial growers and packers of agricultural products and nursery stock farms (wholesale only)

Wineries, including tasting rooms and vineyards Risks actively involved in the raising and keeping of animals and livestock Horse operations - pleasure, boarding, breeding, and training Estate Farms

INELIGIBLE The following risks/operations are not eligible:

Accounts principally engaged in commercial operations other than farming or ranching Dude Ranches and all resorts, including: religious retreat facilities, weight loss resorts and camps Fishing or hunting guides (to include charging for the use of land) and outfitting services Public riding academies, riding rinks or trails Commercial stockyards and sale barns Vacant farms or ranches Tobacco Farms Retail - Nursery operations Commercial gain elevators Poultry hatcheries Residential properties having no active farm operations Manufacturing Operations Crop Dusters

4

LIABILITY POLICY TYPES 715 – COMBINATION POLICY 700 – NONCOMBINATION POLICY FL Forms Includes:

1. Farm Liability • Farm operations • Premises Liability

2. Personal Liability

3. Products

Initial Premises:

160 Acres or less More than 160 – 500 Acres More than 500 up to 2,000 Over 2,000 Acres

Use: For Family Owned/Operated Farms For Family Farm Corporations

And PL and Products Coverage is desired

And No Special CG Endorsements are desired

CGL Form With FL endorsements:

1. PL is optional (charge is made if added)

2. Products is optional (charge is added, otherwise must be excluded)

Initial Premises: 160 Acres or less More than 160 – 500 Acres More than 500 up to 2,000 Over 2,000 Acres

Use: For Large Corporate Farms, when there is Packing or processing including wineries

Or When PL and/or Products coverage is not Wanted

Or When special CG Endorsements are needed to tailor coverage.

Reference: Rule 37 in CLM Reference: Rule 38 in CLM

5

PROPERTY INSURANCE CONCERNS Unprotected Structures (Lightning Arresters) Clear Space, proximity to brush and other structures. Supplemental Heating Devices Proper Valuation of Buildings/Structures Seasonal Occupancies Wiring (Age and Maintenance) Business Interruption - Lack of Contingency Planning Articles of High Value

6

CASUALTY INSURANCE CONCERNS Personal Liability

Recreational Activities (Watercraft, ATVs, Motorcycles, Hunting, Group Gatherings, Etc.)

Public Liability Livestock (On Premises and On Road) Machinery (On Premises and On Road) Public on Premises (Agritainment, You-Pick, Camps) Field/Crop Burning Life Safety Custom Farming Pesticides/Herbicides (Spraying)

7

TARGET MARKETS • Family farms and ranches

• Gentleman and Estate farms

• Horse farms, including Equine Mortality

• Large Commercial Growers and Packers of Agricultural Products

• Vineyards

• Wineries, including tasting rooms

• Grain & field crop growers

• Citrus growers

• Cotton growers

• Wholesale nurseries

• Livestock, primarily cattle & sheep

8

9

CLASS OF BUSINESS GUIDE

“BEST” “GOOD”

GRAIN & FIELD CROPS VEGETABLES

BERRIES & NUTS COTTON

“ESTATE FARMS” POTATOES

HORSE FARMS

VINEYARDS

“VARIES BY STATE” “NOT NORMALLY

WRITTEN”

CATTLE RANCHES TOBACCO

APPLES POULTRY

DAIRY HOGS

CITRUS CONFINEMENT SWINE OR CATTLE

WINERIES FISH FARMS

NURSERIES

HOBBY FARMS

SUPPLEMENT – ISO COMMERCIAL LINES MANUAL DIVISION FOUR - FARM

GENERAL RULES SECTION I – GENERAL RULES

Edition 07 08 FR-I-1 THE TRAVELERS

RULE 1. APPLICATION

OMNI II General Rules, items A. through G., apply to Farm/Ranch policies as well as OMNI II. Except as provided in this supplement, the rules, rates, rating plans, minimum premiums, forms and endorsements filed by or on behalf of the company apply. The Travelers Rules supplement ISO Commercial Lines Manual Division Four - Farm. Rules that are not found in these Travelers Supplement pages may be found in the ISO CLM Division Four Rules.

RULE 2. POLICY FORMAT

A Farm/Ranch Policy is comprised of one or more of the following coverage parts as shown on the Common Declarations. A coverage part consists of the Coverage Part Declarations, any applicable schedules, form(s) and endorsements:

Farm/Ranch Property Coverage Part, Page 1 & 2 Farm Liability Coverage Part Declarations Commercial General Liability Coverage Part Declarations Commercial Inland Marine Commercial Property Crime

RULE 3. INSURANCE PLANS - REQUIRED INSURANCE

A. Account Plan. A risk may be insured under the Account Plan when insurance is provided as described below: 1. Buildings and Personal Property

Insurance is required on owned buildings and personal property of the insured. 2. Liability

Insurance is required for the liability hazard under the Farm Liability Coverage Part or under the Commercial General Liability Coverage Part.

B. Basic Plan. A risk which is ineligible for the Account Plan may be written under the Basic Plan.

RULE 4. PRICING TRACKS

The alignment of companies and pricing tracks for coverage parts other than automobile coverages are shown on State Exception Pages. Those for automobile coverages are found on automobile state rate pages.

RULE 5. MODIFICATION FACTORS

Rates and premiums filed by or on behalf of the company (including rates contained herein) are subject to multiplication by the modification factor which applies to the pricing track under which the risk is written, unless otherwise specified. Minimum premiums are not subject to the application of pricing track modification factors. Modification factors for the discount pricing track(s) do not apply to earthquake.

RULE 6. MINIMUM PREMIUM

In addition to the minimum policy premium of $750 we have a minimum premium of $100 per Coverage Part.

TRAVELERS FARM-RANCH SUPPLEMENT ISO COMMERCIAL LINES MANUAL

DIVISION FOUR - FARM GENERAL RULES

SECTION I – GENERAL RULES

2009-08-0041 FR-I-2 THE TRAVELERS

RULE 7. ELIGIBILITY

Coverage may be provided under Farm/Ranch policies as described below:

Type of Farm Policy Eligibility Farm Combination Property Coverage

Must provide coverage for all farm dwellings, personal property and other farm structures owned by insured. Ineligible are vacant or unoccupied farms, farms not occupied by insured unless tenant occupied under insured's supervision or contract management. Farms where the principal purpose is to supply commodities for manufacturing or processing by the insured for sale to others are not eligible for farm combination coverage, as well as farms that operate freezing or dehydration plants, poultry factories, farms with more than four families and farms on which farm dwellings are used for business purposes other than permitted incidental occupancies.

Farm Liability Provides liability for insured's farming operations and personal activities. To be eligible, must insure an individual, partnership, or the principal stockholder of a family farming corporation. Farms to be insured must have same eligibility as above.

Other Than Farm Combination Property Coverage

All property risks not eligible under "Farm Combination Property" listed above.

CGL Farm Liability Farms not eligible under "Farm Liability" above that still meet Travelers farm eligibility requirements.

RULE 8. PROGRAM CODES Principal Crop or Farm Type

Code Principal Crop or Farm Type

Code

Citrus 90A Poultry 926 Wholesale Nurseries 90B All other 927 Fish Farms 90C Horses 928 Estate Farms 90D Livestock Confinement –

Swine or Cattle 929

Cotton 92A Ranches/Range – Sheep, Cattle, etc.

935

Tobacco 92B Wineries 92D Hobby Farms 92C Vineyards 92E Berries, Fruit and Nuts 921 Bee Keepers 92F Vegetables 923 Vineyard Managers 92G Grains and Other Field Crops 924 Tree Farms 92H Dairy 925 Sod Farms 92I

If more than one of the above program codes applies to a farm, use the code that produces the largest amount of farm or ranch income.

Effective 2/1/10


GENERAL RULES SECTION II – BASIC COVERAGES AND PREMIUM COMPUTATION

Edition 07-08 FR-II-1 THE TRAVELERS

RULE 1. FARM COMBINATION DWELLING PREMIUM COMPUTATION

Coverages A, B, C, & D use the following proportions of coverage: • Coverage B – Provides 10% of Coverage A limit for Appurtenant Structures. Other structures in service to the

dwelling can be insured at an additional premium. Use the Type 1 outbuilding rates for all other Coverage B structures and to increase the Appurtenant Structures limit above 10% of Coverage A. Coverage B is not provided under Unit-Owners coverage.

• Coverage C: Household Personal Property – 50% of Coverage A. Can be adjusted down to 40% or up to 80% of Coverage A. Use the factors on FR-R-I-1 for these adjustments.

• Coverage D: Loss of Use – 10% of Coverage A. Can be adjusted upward. For unit-owners coverage this proportion is 50% of Coverage C – Household Personal Property.

See rates found on FR-R-I-1. For unit-owners dwelling coverage, see rates found on FR-R-I-8. A. Multiply Key Premium by Key Factor. B. Sequentially multiply the following factors by the above premium:

1. Building Type Factor 2. Cause of Loss Factor 3. Protection Class Factor 4. Construction Factor 5. Coverage C Option Factor 6. New Construction Factor 7. Deductible Factor 8. Replacement Cost, HHPP Factor 9. Protective Safeguards Factor 10. Supplemental Heating Devices Factor 11. Unit-Owners Factor (Unit-Owners coverage only) 12. Special Loss Settlement Factor 13. Total Gross Premium 14. ADD Full Building Replacement Cost Coverage premium, Extended Replacement Cost Option premium

or Dwelling Replacement Cost Protection (Including Ordinance or Law) Coverage premium from page FR-R-I-1 to above product

15. Multiply by Total Rating Modification 16. Inflation Guard Factor 17. Territorial Modification Factor 18. Total Net Premium

RULE 2. FARM COMBINATION TENANTS PREMIUM COMPUTATION

See rates found on FR-R-I-2. For unit-owners coverage see rates found on FR-R-I-9. A. Multiply Key Premium by Key Factor B. Sequentially multiply the following factors:

1. Building Type Factor 2. Cause of Loss Factor 3. Protection Class Factor 4. Construction Factor




5. Deductible Factor 6. Protective Safeguards Factor 7. Replacement Cost Factor 8. Supplemental Heating Devices Factor 9. Unit-Owners Factor (Unit-Owners coverage only)

C. Multiply by Total Rating Modification Factor and Territorial Modification Factor.

RULE 3. FARM NON-COMBINATION DWELLING PREMIUM

Provides the following proportions of coverage: Coverage B: Provides 10% of Coverage A for Appurtenant Structures. Other structures in service to the dwelling can be insured at an additional premium and for an amount as desired. Use Type 1 outbuilding rates for all Coverages B structures and to increase Appurtenant Structures above the 10%. Coverage C (Household Personal Property) -- No limit included with dwelling limit, must be a separate calculation. Coverage D (Loss of Use) -- 10% of Coverage A. Can be increased using rate found on FR-III-7. A. Select rate from page FR-R-I-1. B. Multiply Key Premium by Key Factor. C. Sequentially multiply the premium by the applicable factors shown in Rule 1.B. to arrive at the total premium.

RULE 4. NON-COMBINATION HOUSEHOLD PERSONAL PROPERTY PREMIUM

A. Multiply HHPP rate from FR-R-03 by the following factors: 1. Building Type Factor 2. Cause of Loss Factor 3. Protection Class Factor 4. Construction Factor 5. Deductible Factor 6. Replacement Cost Factor 7. Protective Safeguards Factor 8. Supplemental Heating Factor 9. Total Rating Modification Factor 10. Territorial Modification Factor

B. Multiply the resulting rate (from calculations in A. above) by the limit of insurance, expressed in hundreds.




RULE 5. COVERAGE E – SCHEDULED FARM PERSONAL PROPERTY

A. From Page FR-R-I-4 select appropriate rate for each item of insurance. B. Sequentially apply each of the following factors, if applicable.

1. Cotton Picker Safeguard Factor 2. Cause of Loss Factor 3. Deductible Factor 4. Protection Class Factor 5. Functional Replacement Cost Factor

C. Optional Coverages - Coverage E Animal Collision. Refer to page FR-R-I-5. 1. Determine numbers of livestock and type of livestock. 2. Select premium based on numbers of livestock and desired Deductible. 3. Select limit per animal. Apply modification factor if increased from $500 limit per animal.

D. Multiply by Total Rating Modification Factor and Territorial Modification Factor

RULE 6. COVERAGE F – UNSCHEDULED FARM PERSONAL PROPERTY

A. Calculate premium as for Coverage E, charging for all property not excluded, keeping in mind that Coverage F has 80% coinsurance provisions.

B. Modify premium obtained above with Factor from FR-R-I-6. Use amount of insurance to obtain factor. C. Multiply by Total Rating Modification Factor and Territorial Modification Factor.

RULE 7. COVERAGE G-FARM PROPERTY – BARNS, OUTBUILDINGS AND OTHER FARM STRUCTURES

A. Specific Insurance on Structures 1. Select rate by Covered Property Type on page FR-R-I-7. 2. Sequentially multiply the rate by the following factors:

a. Type of Building Factor b. Cause of Loss Factor c. Protection Class Factor d. Construction Factor e. Functional Replacement Cost Factor f. Deductible Factor g. Total Rating Modification Factor h. Territorial Modification Factor i. Inflation Guard Factor

3. Multiply Limit of Insurance, expressed in hundreds, by rate above. B. Blanket Insurance on Structures

1. Obtain Statement of Values listing all item of Insurance to be insured. Indicate one Cause of Loss for the schedule.

2. Calculate Blanket Average Rate from the above schedule:



2009-08-0041 FR-II-4 THE TRAVELERS

a. Using rates from page FR-R-I-7 determine the premium on each item of Insurance, using factor

A.2.a. through A.2.i. above. b. Total Premium. c. Divide the total value in hundreds by the premium above. d. Result is the Blanket Average Rate. e. Multiply blanket average rate by the single limit of insurance. The limit of insurance can be any

amount, but should be as close to Statement of Values total as possible.

RULE 9. SCHEDULED MISCELLANEOUS PROPERTY

Multiply appropriate rate per $100 by the limit of desired coverage for each class. Refer to rates on page FR-R-I-10.

RULE 10. LIABILITY

Farm Liability Codes 01518, 01519, 02518, 02519, 03518, 03519, 06518, 06519, 01618, 01619, 02619, 02619, 03618, 03619, 06618, 06619, 01718, 01719, 02718, 02719, 03718, 03719, 06718, 06719, 01818, 01819, 02818, 02819, 03818, 03819, 06818 or 06819 will be the base for all Farm Combination policies (715). Other codes are added as appropriate. Commercial General Liability Codes 39200, 39201, 39208, 39209, 39216, 39217, 39224, 39225, 39202, 39203, 39210, 39211, 39218, 39219, 39226, 39227, 39204, 39205, 39212, 39213, 39220, 39221, 39228, 39229, 39206, 39207, 39214, 39215, 39222, 39223, 39230 or 39231 will be the base premiums for all Non-Combination policies (700). Other codes can also be added if appropriate. Type of Farm Table The highest risk exposure on the farm establishes the Type of Farm (Type I being the lowest, Type IV the highest). In determining the applicable Type of Farm, disregard any exposure on the farm that accounts for less than 15 percent of total gross income from farming.

TYPE I TYPE II TYPE III TYPE IV

GRAIN & FIELD CROPS 924 VEGETABLES 923

RANCHES - RANGE SHEEP,

CATTLE 935 TOBACCO 92B

BERRIES, FRUIT & NUTS 921 COTTON 92A HOBBY FARMS 92C POULTRY 926

FISH FARMS 90C VINEYARDS 92E DAIRY 925

LIVESTOCK CONFINEMENT

SWINE OR CATTLE

929

BEE KEEPERS 92F HORSE FARMS 928 CITRUS 90A WINERIES 92D

ESTATE FARMS 90D WHOLESALE NURSERIES 90B ALL OTHER 927

VINEYARD MANAGERS 92G SOD FARMS 92I

TREE FARMS 92H

Effective 2/1/10




A. Farm Liability (715)

For initial premises charge the exposure base is Type of Farm and acreage. Determine the code (I-IV) for the Type of Farm from the table and the number of acres owned, rented or controlled. Acreage that is contiguous shall be considered as one farm. Acreage that is separated from other acreage by only a road shall also be considered part of the original farm. Acreage more distantly located shall be considered as another farm and rated accordingly. 1. The rates on page FR-R-III-1 are published at $25,000. To increase, use increase factors found on page

FR-R-III-7. 2. Add additional codes as appropriate. 3. All Farm Liability codes use an exposure base of "per each" except:

a. Employers Liability. Exposure base is payroll per $1,000. b. Custom Farming. Exposure base is receipts per $1,000 in excess of the first $2,000 in receipts. c. Farm stands. Exposure base is receipts per $1,000. d. Animal rides or stunting activities. See "a" rate pages for rates. e. Limited Crop Dusting. Exposure base is receipts per $1,000 including cost of chemicals. See "a"

rate pages. f. Stable Liability. Exposure basis is per horse unless otherwise stated.

4. Liability rates displayed opposite the various codes on pages FR-R-III-1 through FR-R-III-3 are shown at the following limits: a. $25,000/$25,000 for bodily injury and property damage liability. b. $ 1,000 per person for medical payments. c. $25,000 per fire for fire damage legal liability.

Exception: If the policy is issued with an “occurrence” limit of $50,000 or more then the fire damage limit is $50,000. If higher limits are desired, refer to page FR-R-III-7.

d. $25,000 per person or organization for personal injury or advertising injury liability. e. $25,000 per occurrence for Chemical Drift Liability Coverage. The limits provided under a. and b. above are subject to a $50,000 General Aggregate Limit. To increase Bodily Injury and Property Damage liability limits, Fire Damage Legal Liability Limits and Chemical Drift Liability Limits, use Increase Limit Factors found on page FR-R-III-7. To increase medical payments above the $1,000, use the rate displayed. If the code or codes involve an exposure base of receipts or payroll, multiply the rates by the number of thousands desired above $1,000. Do not add medical rate to liability rate.

5. Stable Liability a. Stable Liability codes are used when there is an equine exposure. b. Liability rates displayed on pages FR-R-IV-1 through FR-R-IV-6. c. The following endorsements may be used with Stable Liability:

(1) Livestock in your Care, Custody or Control Endorsement FL T3 20 This endorsement modifies the Farm Liability Coverage Form for Coverage H to delete the exclusion for livestock in the care, custody or control of the insured.

(2) Animals in Contests or Stunting Activities FL 04 40 Refer to Division Four Farm of the Commercial Lines Manual rule 37.s.1.

(3) Animal Rides for Profit or Charity FL 04 41 Refer to division four Farm of the Commercial Lines Manual rule 37.s.2.




B. Commercial General Liability (700)

For initial farm premises the exposure base is Type of Farm and acreage. Determine the code (I-IV) from the Type of Farm from the table and number of acres owned, rented or controlled. Acreage that is contiguous shall be considered as one farm. Acreage that is separated from other acreage by only a road shall also be considered part of the original farm. Acreage more distantly located shall be considered as another farm and rated accordingly. 700 policies use Commercial General Liability forms plus a few FL forms. Commercial General Liability forms do not exclude Products and Completed Operations but the base rates do not include a charge for these coverages as do Farm Liability rates. Exclude Products and Completed Operations or make a charge for it. Rates for Products and Completed Operations are found in the "a" rate manual if coverage is desired. 1. Very few codes are displayed in TIC countrywide Rate pages for CGL liability. For other than those

shown, use OMNI codes from Division Six CLM. 2. Liability rates displayed opposite the various codes on pages FR-R-III-4 through FR-R-III-6 are shown at

the following limits: a. $25,000/$25,000 for bodily injury and property damage liability b. $1,000 per person for medical payments. c. $25,000 per fire for fire damage legal liability Exception: If the policy is issued with an “occurrence” limit of $50,000 or more then the fire damage limit is $50,000. If higher limits are desired, refer to page FR-R-III-7. d. $25,000 per person or organization for personal injury or advertising injury liability. e. $25,000 per occurrence for Chemical Drift Liability Coverage The limits provided under a. and b. above are subject to a $50,000 General Aggregate Limit. To increase Bodily Injury and Property Damage liability limits, Fire Damage Legal Liability Limits and Chemical Drift Liability Limits, use Increase Limit Factors found on page FR-R-III-7. To increase medical payments above the $1,000, use the rate displayed. If the code or codes involve an exposure base of receipts or payroll, multiply the rates by the number of thousands desired above $1,000. Do not add medical rate to liability rate.

3. Stable Liability a. Stable Liability codes are used when there is an equine exposure. b. Liability rates displayed on pages FR-R-IV-1 through FR-R-IV-6. c. The following endorsements may be used with Stable Liability;

(1) Livestock in your Care, Custody or Control Endorsement, form CG D1 77 This endorsement modifies the Commercial General Liability Coverage form for Coverage H, to delete the exclusion for livestock in the care, custody or control of the insured.

(2) Animal Rides for Profit or Charity, form CG D1 75 This form modifies the Commercial General Liability Coverage form to include Bodily Injury, Property Damage and Medical Payments for animals used for providing rides to any person for a fee or in connection with a fair, charitable function or similar type of event.

(3) Animals in Contests Or Stunting Activities, form CG D1 76 This form modifies the Commercial General Liability Coverage Form to include Bodily Injury, Property Damage and Medical Payments for animals used in prearranged racing, speed or strength contests.


GENERAL RULES SECTION III – OPTIONAL COVERAGES

Edition 07 08 FR-III-1 THE TRAVELERS

RULE 1. AGRI-PLUS II PROPERTY ENDORSEMENT A. This optional endorsement adds several enhancements to the farm-ranch policy's dwelling, building and

personal property coverages: 1. Adds coverage for Hay, Straw and Fodder; 2. Adds Farm Computer Coverage; 3. Adds a Miscellaneous Equipment limit; 4. Adds coverage for Office Equipment and Furnishings; 5. Increases the limit of insurance applicable to Additional Machinery, Vehicles and Equipment Newly

Purchased; 6. Coverage E and F – adds additional Transportation Coverage; 7. Coverage E and F – increases the Hay, Straw and Fodder per-stack limit; 8. Coverage E and F – adds additional Rental Reimbursement coverage; and 9. Coverage E and F – adds a Partial Loss Replacement Cost valuation.

B. Use Agri Plus II Property Endorsement FP T3 38. C. A flat charge of $225 applies to the Agri Plus II Property Endorsement.




RULE 2. DAIRY FARMS – AMENDATORY PROVISIONS A. This optional endorsement adds several property and liability coverage enhancements:

1. Adds spoilage coverage for owned milk; 2. Increases the per-stack limitation for hay, straw and fodder; 3. Adds hay coverage; 4. Adds coverage for contamination of owned milk; 5. Adds extra expense coverage; 6. Adds livestock collision coverage (per animal); 7. Adds livestock theft coverage (per animal and per occurrence); 8. Adds coverage for contamination of non-owned milk; and 9. Includes a dairy farmer's electronic monitoring equipment within the farm computer coverage.

B. Use Dairy Farms – Amendatory Provisions Endorsement IL T3 41. C. Apply the appropriate flat charge as indicated below:

Number of Cows Flat Charge 0-250 $200

251-750 $400 751 or more $600




RULE 3. ENHANCED POLLUTANT CLEANUP AND REMOVAL A. This optional coverage increases the limit of insurance and extends coverage to extract pollutants from land

or water on or away from an insured location resulting from the collision, upset or overturn of a vehicle. B. Use Enhanced Pollutant Cleanup and Removal endorsement FP T4 02. C. Apply the appropriate flat charge as indicated below:

Limit of Insurance Flat Charge $25,000 $100 $50,000 $150 $75,000 $200 $100,000 $250




RULE 4. FARM COMPUTER COVERAGE A. Refer to Insurance Services Office, Inc. Division Four – Farm rule 36.D.28. for a description of Farm

Computer Coverage endorsement FP 04 08. B. When farm computer coverage is written apply a rate of $0.30 per $100 of values. This rate is subject to a

$30 minimum premium.



2009-08-0014 FR-III-5 THE TRAVELERS

RULE 5. SUMP OVERFLOW AND WATER BACKUP FROM SEWERS OR DRAINS A. This optional endorsement provides coverage for loss or damage resulting from water which backs up

through sewers or drains or which overflows from a sump. Coverage applies at specifically identified buildings.

B. Use Per-Building Sump Overflow and Water Backup From Sewers or Drains endorsement FP T3 60. Use

companion Schedule form FP T0 93 to display the covered buildings and limits of insurance. C. Apply the appropriate flat charge as indicated below:

Limit of Insurance Flat Charge $5,000 $125 $10,000 $250 $25,000 $625 $50,000 $1250

Effective 2/1/10




RULE 6. CREDIT CARDS, ELECTRONIC FUND TRANSFER CARDS OR OTHER ACCESS DEVICES,

FORGERY OR COUNTERFEIT CURRENCY A. Refer to Insurance Services Office, Inc. Division Four – Farm rule 36.D.2. for a description of this coverage. B. To write increased limits for this coverage charge the premium shown in the table below:

Limit of Insurance Premium $1,000 $3 $2,500 $5 $5,000 $6 $7,500 $7 $10,000 $8

C. Enter the revised limit of insurance in the Declarations




RULE 7. LOSS OF USE A. Refer to Insurance Services Office, Inc. Division Four – Farm rule 36.D.4. for a description of this coverage. B. To write increased Loss of Use limits apply a rate of $2.00 per $1,000 of increased coverage.




RULE 8. INCREASED THEFT SPECIAL LIMITS OF INSURANCE A. The Special Limits of Insurance for loss by theft to certain types of household personal property may be

increased above the basic limits provided by the Travelers Farm-Ranch policy. B. Apply the rates shown in the table below for the increased limit(s) of insurance:

Increased Special Limits

Covered Property (for Theft)

Amount of Increased Limit

Rate

Jewelry, watches and furs each $1,000 $16.00 Money each $100 $10.00 Securities each $100 $4.00 Silverware each $1,000 $7.50 Firearms and Related Equipment each $100 $5.00

C. Use endorsement FP 04 07.




RULE 9. RENTAL TO OTHERS - THEFT A. Coverage under the Travelers Farm-Ranch policy may be extended to cover loss by theft while the portion of

the residence premises usually occupied by the insured is occasionally rented in whole or in part to others, or while there is rental to a roomer or boarder.

B. Apply the premium charge shown in the table below for the coverage extension:

Rental to Others – Theft Coverage Limit of Insurance Premium HPP Coverage limit $20

C. Use endorsement FP 04 80.




RULE 10. AGRICULTURAL MACHINERY RENTAL REIMBURSEMENT A. Coverage may be added under the Farm Personal Property Coverage Form for expenses incurred for rental

of substitute machinery to replace any specifically identified items of machinery. This additional coverage begins 24 hours after the insured notifies the insurer of a loss to scheduled machinery and ends either 30 days after notification of loss or when the damaged machinery has been replaced or restored to service. No deductible applies to this additional coverage.

B. Apply the premium charge shown in the table below for the additional coverage:

Agricultural Machinery Rental Reimbursement Limit of Insurance Premium $500 maximum per day and $10,000 maximum per item

$50 flat charge

C. Use endorsement FP T3 02.




RULE 11. BUSINESS PROPERTY COVERAGE A. The limit of insurance applicable to Business Property may be increased above the Travelers Farm-Ranch

policy's basic limit. B. Apply the rate shown in the table below for the increased limit of insurance.

Business Property Coverage Limit of Insurance Rate

each $1,000 $10




RULE 12. SPOILAGE COVERAGE – PERISHABLE FARM PERSONAL PROPERTY A. Description

If Coverage E – Scheduled Farm Personal Property is provided, direct damage coverage may be extended for spoilage of perishable farm personal property caused by one or both of the following: 1. Breakdown or contamination, meaning change in temperature or humidity resulting from mechanical

breakdown or mechanical failure of equipment, or contamination of perishable farm personal property by a refrigerant.

2. Public Power Outage, meaning change in temperature or humidity resulting from failure of public power. B. Form

Use Spoilage Coverage – Perishable Farm Personal Property endorsement FP 04 24. C. Classification

Use the following to determine the classification of types of perishable farm personal property:

Class 1 Apples Citrus Fruits Vegetables – Root Variety Potatoes

Class 2 Blood & Plasma Melons Dairy Products excl. ice cream Peaches, Pears & Plums Drugs, Medicines & Vitamins Poultry Meat Vegetables – All Other Varieties

Class 3 Berries & Grapes Rooted & Potted Plants Cut Flowers Semen Fish Vegetables – Leaf Variety Milk

D. Rates Charge the following per $100 of insurance:

Class A B Both 1 1.75 + .35 1.85+ A= Breakdown/Contamination only 2 2.00 + .40 2.10+ B= Public Power Outage only 3 2.60++ .45 2.70++

+ Deduct $0.50 from rate if Refrigeration Maintenance Agreement is applicable.

++ Deduct $0.85 from rate if Refrigeration Maintenance Agreement is applicable.

If Selling Price is indicated in the Schedule, multiply the applicable rate by 1.40.

If the Refrigeration Back-Up System Warranty (Semen) is indicated in the Schedule, multiply the Public Power Outage rate by .75.




RULE 13. BORROWED FARM EQUIPMENT A. Borrowed Farm Equipment can be insured in two ways.

1. If coverage is desired on an annual basis, charge for the amount of coverage requested by using the rates shown on page FR-R-I-5 of this manual;

2. If coverage is desired on a short-term basis for an amount not exceeding $100,000, apply a flat charge of $40.

B. Use Borrowed Farm Equipment endorsement FP T3 62.




RULE 14. EQUINE PROPERTY COVERAGE A. This optional endorsement adds several property coverage enhancements:

1. Adds coverage for tack equipment; 2. Adds coverage for spoilage of animal health care products; 3. Adds coverage for signs and entrance gates; and 4. Adds coverage for fences, corrals and pens.

B. Use Equine Property Endorsement FP T3 44. C. Apply a flat charge of $125.




RULE 15. DAMAGE TO BELOW-GROUND FOUNDATIONS A. Below-ground foundations may be included as covered property under Coverage G. Coverage does not

include costs of grading, filling or backfilling. B. Use Damage to Below-Ground Foundations of Buildings or Structures endorsement FP T3 63. Values for any

buildings Scheduled on FP T3 63 must include the cost of below-ground foundations. C. There is no additional premium charge for this coverage.




RULE 16. FARM MACHINERY, VEHICLES AND EQUIPMENT

REPLACMENT COST COVERAGE A. Specified farm machinery, vehicles and equipment may be valued at replacement cost instead of actual cash

value. Each item to be so valued must be: 1. Less than seven model years old; 2. Insured to at least 80% of its replacement value; and 3. Subject to the Special Causes of Loss.

B. Use Replacement Cost – Farm Machinery, Vehicles and Equipment endorsement FP T3 64. C. Calculate the additional premium for this coverage by multiplying the developed premium for each covered

item by 1.40.




RULE 17. EXTRA EXPENSE – COVERAGES E, F or G A. Coverage may be provided for expense incurred in order to continue, as nearly as practicable, normal farm

operations following damage by a covered cause of loss to real or personal property covered under Coverage E, F or G. Enter the limit of insurance for Extra Expense in the Declarations.

B. Compute the premium by multiplying the limit of extra expense insurance by 2 times the highest Coverage G building company rate.

C. If the policy does not contain Coverage G, multiply the limit of extra expense insurance by 2 times the highest Coverage E machinery company rate.




RULE 18. BLANKET DISRUPTION OF OPERATIONS COVERAGE A. Refer to Insurance Services Office, Inc. Division Four – Farm rule 30. for a description of Disruption of

Operations coverage. 1. To write disruption of operations coverage on a blanket basis, first determine the Hazard Level associated

with the policy type or program code using the table below.

Policy Type/(Program Code) Hazard Level 0. Berries, Fruit & Nuts (921) Medium 1. Vegetables (923) High 2. Dairy (925) High 3. All Other (927) High 4. Livestock-Swine/Cattle(929) High 6. Grains & Field Crops (924) Medium 7. Poultry (926) High 8. Horses (928) Medium 9. Ranches-Sheep, Cattle (935) Low 11. Citrus (90A) High 12. Nurseries (90B) High 13. Fish Farms (90C) High 14. Estate Farms (90D) Low 15. Cotton (92A) Low 16. Tobacco High 17. Hobby Farms (92C) Low 30. Wineries (92D) Medium 31. Vineyards (92E) Medium 32. Bee Keepers (92F) Medium 43. Vineyard Managers (92G) Medium 44. Sod Farms (92I) Medium 45. Tree Farms (92H) Medium

2. Next, use the following chart determine the Hazard Factor associated with the Hazard Level:

Hazard Level Hazard Factor Low 1.10

Medium 1.40 High 1.75

3. Calculate the blanket disruption of operations premium by multiplying the disruption of operations premium determined using ISO Division Four - Farmowners Rule 30 by the Hazard Factor applicable to the policy type.

B. If agreed amount blanket disruption coverage is desired, apply a factor of 1.10 to the blanket disruption of operations premium determined in paragraph A. above.

C. Attach Blanket Disruption of Operations endorsement FP T3 58. Use companion Schedule form FP T0 90 to display the insured locations, descriptions, limits of insurance, percent of exposures covered and other options.

Effective 2/1/10




RULE 19. WATERCRAFT A. Determine rating territory from the table below:

Class Rating Territories Factor Class A ID, MT, WY 1.00 Class B AZ, CO, DC, KY, MN, ME*, MI, MN, NH*, NM, NY (all

counties not listed below), NC, OR, VT, VA, WA, WI 1.20

Class BB DE, MD, MO, SD. 1.37

Class C CT*, IN, IA, MO, MA*, NE, NJ*, OH, OK, SC, CA (counties of Imperial, Inyo, Kern, Kings, Los Angeles, Orange, Riverside, San Bernadino, San Diego, San Louis Obispo, Santa Barbara, Ventura)

1.46

Class D KS, NV, NC, PA, SC, TN, WV 1.70 Class DD FL (counties of Clay, Flagler, Lake, Marion, Osceola, Orange,

Putnam, Polk, St. Johns, Seminole, Volusia), IL, NJ. 1.79

Class E AR, FL, GA, PR, RI, TX 2.08 Class F AL, CT, ME, MA, NH, NY (Counties of Bronx, Queens, Kings,

Richmond, Nassau, Riceland, Punt, Suffolk, Westchester) 2.16

Class G HI, MS, LA 3.05 Class H FL (counties of Broward, Dade, Monroe, Palm Beach) 4.77

* Inland Water Navigation only.

B. From Classification tables below determine classes of boat based on horsepower and length: Length in Feet

Horsepower 0-13 14 15 16 17 18 19 20 21 22 0-39 1 1 1 1 1 1 1 1 1 1 40 2 1 1 1 1 1 1 1 1 1 50 2 2 1 1 1 1 1 1 1 1 60 3 3 2 1 1 1 1 1 1 1 70 4 3 2 2 1 1 1 1 1 1 80 4 4 2 2 2 1 1 1 1 1 90 5 4 3 3 3 2 2 1 1 1 100 5 5 3 3 2 2 1 1 1 1 110 4 3 3 2 1 1 1 1 120 5 4 3 2 2 1 1 1 130 4 4 3 2 1 1 1 140 5 4 3 2 1 1 1 150 4 3 2 2 1 1 160 4 3 2 2 2 1 170 5 4 3 2 2 1 180 4 3 2 2 2 190 4 4 3 2 2 200 4 3 3 3 2 210 5 3 3 3 2 220 5 4 3 3 3




RULE 19. WATERCRAFT (CONT'D)

Length in Feet Horsepower 0-13 14 15 16 17 18 19 20 21 22

240 4 4 3 3 250 5 4 4 3 260 5 4 4 3 270 5 4 4 280 5 5 4 290 5 4 300 5 325 5 350

Agent may bind Classifications 1 and 2; all other classifications should referred to company. Class of Watercraft Factors:

Class 1: 1.00 Class 2: 1.10 Class 3: 1.30 Class 4: 1.90 Class 5: not written; refer to specialty carrier Inboard, outboard/outdrive boats: 1.20

C. Premium Determination

1. Multiply Key Premium by Key Factor. Key Premium = $36 Key Factor Table:

Amount of Insurance

Increase Factor

Amount of Insurance

Increase Factor

$ 1,000 1.00 16,000 5.75 2,000 1.39 17,000 6.00 3,000 1.75 18,000 6.25 4,000 2.14 19,000 6.50 5,000 2.50 20,000 6.75 6,000 2.83 21,000 6.97 7,000 3.14 22,000 7.19 8,000 3.47 23,000 7.42 9,000 3.81 24,000 7.64

10,000 4.14 25,000 7.89 11,000 4.39 26,000 8.11 12,000 4.67 27,000 8.33 13,000 4.95 28,000 8.56 14,000 5.22 29,000 8.78 15,000 5.50 30,000 9.00

each add'l $1,000

.22




RULE 19. WATERCRAFT (CONT'D)

2. Sequentially apply the following factors: a. Territorial Factor. Refer to paragraph A. b. Equipment Factor, as determined below:

Less than 5 years old: .90 5 to 10 years old 1.00 Over 10 years old do not bind – submit Sailboats .80

c. Inland Navigation Factor, as determined below: Inland Water Navigation Factor* .80 * Apply only in: AL, CA, DC, DE, FL, GA, IL, LA, MD, MI,

MN, MS, NC, NY, OH, OR, PA, SC, TX, VA,VT,WA,WI d. Class Factor. Refer to paragraph B. e. Credit Factors. Two or more factors combined cannot exceed .85.

Watercraft written with: 715 policy: .85 700 policy with property premium of $500 or more: .85 Loss-free w/TIC for 1 year: .90 Membership in Power Squadron or USCGA .95

f. Multiply by Total Rating Modification and Coverage E Territorial Modification Factor. 3. Watercraft Deductible Factors

Deductible Factor $50 1.15 $100 1.00 $250 .90 $500 .80

$1,000 .70




RULE 20. FARM PROPERTY – EQUIPMENT BREAKDOWN COVERAGE A. Farm Property - Equipment Breakdown Coverage. Use endorsement FP T3 53.

Available for the following farm classes:

Class Program Code Class Program Code

Citrus 90A Grains & Other Field Crops 924

Wholesale Nurseries 90B Dairy 925 Fish Farms 90C Poultry 926 Gentlemen Farms 90D Horses 928 Cotton (except Cotton Ginning) 92A

Livestock Confinement - Swine or Cattle 929

Tobacco 92B Ranches Range - Sheep, Cattle, Etc. 935

Hobby Farms 92C Wineries 92D Berries, Fruit and Nuts 921 Vineyards 92E Vegetables 923 Vineyard Managers 92G Tree Farms 92H Sod Farms 92I

B. Equipment Breakdown Premium Computation: 1. To calculate the Farm Property - Equipment Breakdown premium, multiply:

a. the amount determined in paragraph B.2. below; times b. the applicable deductible factor determined in paragraph B.3. below; times c. the sublimit rate factor determined in paragraph B.4. below; times d. the Modified Farm Property Premium. This is the final premium for Farm Property - Equipment Breakdown. Modified Farm Property Premium means the Farm Property Premium for all Coverages E, F and G as provided, and any applicable endorsements (including Disruption of Farming Operations) after the application of any deductible and sublimit surcharges or credits.

2. The Farm Property - Equipment Breakdown base rate factor is determined by the table below:

Class Program

Code Base Rate Class

Program Code

Base Rate

Citrus 90A 2.6% Grains & Other Field Crops 924 2.6% Wholesale Nurseries 90B 2.6% Dairy 925 11.9% Fish Farms 90C 11.9% Poultry 926 11.9% Gentlemen Farms 90D 2.6% Horses 928 11.9%

Cotton (except Cotton Ginning) 92A 2.6%

Livestock Confinement - Swine or Cattle 929

11.9%

Tobacco 92B n/a Ranches Range - Sheep, Cattle, Etc. 935

11.9%

Hobby Farms 92C 2.6% Wineries 92D 13.2% Berries, Fruit and Nuts 921 2.6% Vineyards 92E 2.6% Vegetables 923 2.6% Vineyard Managers 92G 2.6% Beekeepers 92F 2.6% Sod Farms 92I 2.6% Tree Farms 92H 2.6%

Effective 2/1/10




RULE 20. FARM PROPERTY – EQUIPMENT BREAKDOWN COVERAGE (CONT'D)

3. Farm Property - Equipment Breakdown Deductible Modification Factor. Determine the Equipment Breakdown Deductible Modification Factor by determining the Property Deductible amount and the corresponding Farm Property - Equipment Breakdown Deductible:

Equipment Breakdown Property Damage Deductible500$ 1,000$ 2,500$ 5,000$ 10,000$ 25,000$ 50,000$ 75,000$ 100,000$ 250,000$

500$ 1.0000 0.9930 0.9730 0.9460 0.9050 0.8330 0.7800 0.7575 0.7350 0.69501,000$ 1.0070 1.0000 0.9799 0.9527 0.9114 0.8389 0.7855 0.7628 0.7402 0.69992,500$ 1.0277 1.0206 1.0000 0.9723 0.9301 0.8561 0.8016 0.7785 0.7554 0.71435,000$ 1.0571 1.0497 1.0285 1.0000 0.9567 0.8805 0.8245 0.8007 0.7770 0.7347

10,000$ 1.1050 1.0972 1.0751 1.0453 1.0000 0.9204 0.8619 0.8370 0.8122 0.768025,000$ 1.2005 1.1921 1.1681 1.1357 1.0864 1.0000 0.9364 0.9094 0.8824 0.834350,000$ 1.2821 1.2731 1.2474 1.2128 1.1603 1.0679 1.0000 0.9712 0.9423 0.891075,000$ 1.3213 1.3120 1.2856 1.2499 1.1958 1.1006 1.0306 1.0000 0.9712 0.9183

100,000$ 1.3605 1.3510 1.3238 1.2871 1.2313 1.1333 1.0612 1.0306 1.0000 0.9456250,000$ 1.4388 1.4288 1.4000 1.3612 1.3022 1.1986 1.1223 1.0900 1.0576 1.0000

Property Deductible

4. Coverage Extension Increased Sublimit Factors a. The base Farm Property - Equipment Breakdown premium contemplates a $25,000 sublimit

applicable to Hazardous Substance, Perishable Goods, Expediting Expense, Data or Media and Portable Covered Equipment; and a $10,000 sublimit applicable to Consequential Loss to Livestock & Poultry and Drying Out. These sublimits may be increased by indicating the increased limit on the Farm Property – Equipment Breakdown Schedule.

b. To develop the increased sublimit factor, sum the applicable factor shown below for the increased sublimits and add it to 1.00. For example, the increased sublimit factor for $50,000 Perishable Goods, 75,000 Expediting and 100,000 Portable Covered Equipment is 1.00 + .015 + .027 + .025 = 1.067.

Coverage Extension Factors

Sublimit

Hazardous Substance

Perishable

Goods

Expediting Expenses

Con-sequential

Loss to Livestock or Poultry

Data or Media

Portable Covered

Equipment

Drying Out

Irrigation

Equipment

10,000 - - - .000 - - .000 - 25,000 .000 .00000 .000 .015 .000 .000 .010 .000 50,000 .009 .015 .018 Refer to

Company .015 .015 .015 .015

75,000 .015 .029 .027 Refer to Company

.029 .020 .020 .020

100,000 .019 .044 .037 Refer to Company

.044 .025 .025 .025

150,000 .021 .057 .041 Refer to Company

.057 .026 .026 .026

200,000 .024 .079 .045 Refer to Company

.079 .028 .028 .028

250,000 .027 .131 .050 Refer to Company

.131 .030 .030 .030

Effective 2/1/10




RULE 21. EXTENDED REPLACEMENT COST OPTION A. This new optional coverage applies an extended replacement cost percentage to selected farm dwellings

and/or barns, outbuildings and other structures. The policyholder may select an extended replacement cost limit of 125% or 150% of the limit of insurance applicable to Coverage A or Coverage G to apply to the dwellings and/or structures listed on the companion Schedule. The extended replacement cost limit does not include any increased costs attributable to the enforcement of any ordinance or law.

B. Use Extended Replacement Cost Endorsement FP T4 86 with Coverage A Extended Replacement Cost

Schedule FP T0 89 and/or Extended Replacement Cost Schedule – Coverage G – Other Farm Structures FP T0 92.

C. Refer to page FR-R-I-1 for the applicable dwelling rates. Refer to page FR-R-I-7 for the applicable other

structures rates.




RULE 22. WINERY PROPERTY COVERAGE A. This optional coverage adds several enhancements to the farm-ranch policy's building and personal property

coverages: 1. Adds Brands and Labels Expense coverage; 2. Adds Trees, Plants and Shrubs coverage extension; 3. Adds Wine Contamination coverage; 4. Adds Wine Leakage coverage; and 5. Adds special loss settlement for wine products.

B. Use Winery Property Coverage Endorsement FP T3 47. C. A flat charge of $110 applies to the Winery Property Coverage endorsement. The aggregate limits of

insurance may be increased by using the following rates:

Limit of Insurance Rate per $100 Wine Contamination .11 Wine Leakage .10

Effective 1-1-2011




RULE 23. ORCHARD AND VINEYARD GROWERS PROPERTY COVERAGE A. This optional coverage adds several enhancements to the farm-ranch policy's scheduled personal property

coverages: 1. Tree and Vine coverage; 2. Harvested Products coverage; 3. Contingent Transit coverage; 4. Sign Coverage; and 5. Vineyard Contamination coverage.

B. Use Orchard and Vineyard Growers Property Coverage Endorsement FP T9 04. C. A flat charge of $125 applies to the Orchard and Vineyard Growers Property Coverage Endorsement.




RULE 24. HIGH VALUE DWELLING COVERAGE A. This optional coverage adds several enhancements to the farm-ranch policy's dwelling coverages:

1. Adds enhanced replacement cost valuation; 2. Increases the limit of insurance applicable to Coverage B; 3. Add increased limit for refrigerated products; 4. Adds Ordinance or Law additional coverage 5. Adds Electronic Data and Restoration coverage extension; 6. Adds Lock Replacement coverage extension; 7. Adds Fire Extinguisher Recharge coverage extension; 8. Adds Reward coverage extension; 9. Increases the limit of insurance applicable to removal of fallen trees; and 10. Increases the limit of insurance applicable to credit cards, electronic fund transfer cards or other access

devices; forgery; counterfeit currency, B. Use High Value Dwelling Endorsement FP T3 50. C. A flat charge of $250 per dwelling applies to the High Value Dwelling Endorsement.




RULE 25. IDENTITY FRAUD EXPENSE COVERAGE A. This optional Additional Coverage adds a separate limit of insurance applicable to reasonable and necessary

expenses incurred as a result of identity fraud during the policy period. This Additional Coverage is subject to specific definitions, exclusions and conditions.

B. Use Identity Fraud Expense Coverage Endorsement FP T3 51. C. A flat charge of $25 applies to the Identity Fraud Expense Coverage Endorsement.




RULE 26. ADDITIONAL INSUREDS – SPECIAL EVENTS A. When the insured is a participant in a special event(s) on or away from an insured location, third parties may

be added as an additional insured for farm liability for the duration of such event(s) when required for the purposes of the insured's participation.

B. Use Additional Insured – Designated Special Events endorsement FL T3 31.




RULE 27. UNIT-OWNERS COVERAGE A. Unit-Owners Coverage may be written to the owner(s) of a condominium or cooperative dwelling unit which is

used principally for family residential purposes. The condominium or cooperative dwelling unit may be owned by an individual, a partnership, joint venture or other organization.

B. Use Unit-Owners Coverage endorsement FP T3 59. The dwelling, limits of insurance and cause of loss information should be entered on Unit-Owners Coverage Schedule FP T0 91.

C. If coverage is desired, develop the premium as shown on pages TSR-FR-II-1 and TSR-FR-II-2.

SUPPLEMENT - ISO COMMERCIAL LINES MANUAL DIVISION FOUR – FARM



RULE 28. BLANKET IRRIGATION EQUIPMENT, COTTON PICKER AND HARVESTER-THRESHERS

COMBINE COVERAGE A. Description

Blanket coverage may be written for Irrigation Equipment, Cotton Pickers and Harvester - Threshers Combines under Coverage F - Unscheduled Farm Personal Property. Foreign objects coverage may also be added. Refer to Rule 32.

B. Endorsements

Use the following endorsements: 1. Blanket Harvester-Threshers Combine Coverage endorsement FP T3 37. This endorsement deletes the

covered property exclusion for these types of equipment under Coverage F – Unscheduled Farm Personal Property Coverage.

2. Blanket Irrigation Equipment and Harvester-Threshers Combine Coverage endorsement FP T3 65. This endorsement deletes the covered property exclusions for each of these types of equipment under Coverage F – Unscheduled Farm Personal Property Coverage.

3. Schedule of Blanket Harvester-Threshers Combine and Irrigation Equipment form FP T0 98 should be prepared when endorsement FP T3 37or FP T3 65 is attached to the policy. Form FP T0 98 should be maintained in the underwriting file.

C. Eligibility

In order for irrigation equipment, cotton pickers and/or harvester-threshers combines to be written as blanket farm personal property the following criteria must be met: 1. A statement of individual values for all covered property must be obtained (use form FP T0 98); 2. The total insured value off all covered property must not be less than $2,000,000; 3. At least two (2) cotton pickers or harvester-thresher combines must be insured; and 4. Cotton pickers must have a working fire suppression or safeguard system.

D. Rating

1. Use the following rates for each type of blanket property:

Covered Property Rate per $100 Cotton Pickers or Harvester-Threshers .83 Irrigation Equipment with Cotton Pickers or Harvester-Threshers

.78

2. Do not apply the Coverage F limit of insurance modification factor to the blanket irrigation equipment, cotton pickers and/or harvester-threshers combines amount of insurance.

Effective 2/1/10



2009-02-0010

RULE 29. GREEN DWELLING COVERAGE ENHANCEMENTS A. Description

When a covered dwelling sustains loss or damage from a covered cause of loss the dwelling coverage may be amended to provide additional insurance for: 1. The increased costs associated with “green” building alternatives; and 2. The additional expenses associated with attaining “green” building re-certification Dwellings subject to these additional coverages must be specifically identified.

B. Endorsements

Use the following endorsements: 1. Green Dwelling Coverage Enhancements endorsement FP T3 66. This optional endorsement amends

the dwelling Additional Coverages and Farm Property Loss Conditions. 2. Green Dwelling Coverage Enhancements – Schedule form FP T3 67. This form shows the insured

dwellings which are subject to the green dwelling coverage enhancements and should be prepared when endorsement FP T3 66 is attached to the policy.

C. Eligibility

In order for a covered dwelling to be eligible for the Green Dwelling Coverage Enhancements: 1. Replacement cost valuation must apply; and 2. The lost or damaged dwelling must be actually be repaired or replaced as soon as reasonably possible.

D. Pricing

When endorsement FP T3 66 is attached to the policy a factor of 1.02 is applied to the dwelling rate calculation.

Edition 04-09 FR-III-32 THE TRAVELERS



2009-02-0010

RULE 30. ADDITIONAL ORDINANCE OR LAW COVERAGE OPTION – EXPENSES CONSEQUENTIAL TO

ENFORCEMENT OF ORDINANCES OR LAWS AFFECTING BUILDING, ZONING OR LAND USE A. Description

The policy may be endorsed to defray the increased expenses known or estimated by the insured for material and labor to repair or replace a damaged dwelling or appurtenant structure, to demolish undamaged portions of the damaged property, and to clear the site of resulting debris, all for compliance with the ordinance or law. This optional coverage is additional insurance.

B. Endorsements Use the following endorsements: 1. Expenses Consequential to Enforcement of Ordinances or Laws Affecting Building, Zoning or Land Use

(Coverages A and B Only) endorsement FP T3 69. This optional coverage provides an additional percentage (starting at +10%) of the applicable Coverage A Limit of Insurance to pay increased costs necessarily incurred to comply with an ordinance or law being enforced.

2. Expenses Consequential to Enforcement of Ordinances or Laws Affecting Building, Zoning or Land Use (Coverages A and B Only) – Schedule form FP T3 68. This form shows the insured dwellings which are subject to the additional ordinance or law coverage and the applicable additional percentage limits of insurance. This schedule should be prepared when endorsement FP T3 69 is attached to the policy.

C. Eligibility

1. This optional coverage is not available for dwellings with a Coverage A limit of less than $140,000. 2. This optional coverage does not apply to property insured under Coverage G – Barns, Outbuildings and

Other farm Structures. 3. Do not attach both Endorsement FP T3 69 and Dwelling and Farm Building Replacement Cost Protection

(Including Ordinance or Law Coverage) Endorsement FP 04 04 to the same policy. D. Pricing

When endorsement FP T3 69 is used, the appropriate factor from the table below will be applied to the dwelling rate calculation:

Percentage Of Coverage A Limit Applying as Additional Insurance

Rate Factor

10% 1.03 25% 1.09 50% 1.18 75% 1.25

100% 1.32

Edition 04-09 FR-III-33 THE TRAVELERS




RULE 31. COSMETIC DAMAGE EXLCUSION – COVERAGE G A. Description

1. The farm-ranch policy may be endorsed to exclude cosmetic damage caused by wind or hail to farm buildings or structures (Coverage G). The exclusion applies to roof covering or siding only. Farm buildings or structures which are subject to the cosmetic damage exclusion may be specifically indicated on a Schedule.

2. This exclusion should not be used on farm dwellings (coverages A-C) or farm personal property (Coverages E and F).

B. Endorsement

1. Use Cosmetic Loss Exclusion endorsement FP T3 72. This optional endorsement adds a cosmetic loss exclusion to the Causes of Loss Form – Farm Property. Specific words and phrases within the exclusion are defined.

2. Cosmetic Loss Exclusion Schedule FP T3 73 is used to list the farm buildings and structures which are subject to the exclusion.

C. Rating

Apply a credit factor of .980 to the premium calculation for any farm buildings and structures which are subject to the exclusion.

Effective 2/1/10

SUPPLEMENT – ISO COMMERCIAL LINES MANUAL DIVISION FOUR – FARM



RULE 32. FOREIGN OBJECTS IN MACHINERY – BLANKET COVERAGE A. Description

Coverage is available for loss or damage caused by foreign objects being taken into farm machinery, vehicles and equipment that are insured under Coverage F - Unscheduled Farm Personal Property. Covered property must be subject to the Special Causes of Loss in order for foreign objects coverage to apply.

B. Form

Use Foreign Objects in Machinery endorsement FP T3 36. C. Premium Calculation

Apply a factor of .10 to the premium calculation for the selected Coverage F – Foreign Objects limit of insurance.

Effective 2/1/10




RULE 33. AG XTRA ENDORSEMENT A. Description

This optional endorsement provides several property coverage enhancements: 1. Adds $10,000 Electronic Data Coverage; 2. Adds $25,000 Accounts Receivable Coverage; 3. Adds $10,000 Valuable Papers and Records Coverage; 4. Adds $10,000 Business Fine Arts Coverage; 5. Adds $25,000 Additional Crime Coverages:

a. Employee Theft; b. Forgery or Alteration; c. Money and Securities; and d. Money Orders and Counterfeit Currency;

6. Extends coverage to $25,000 for Farm Personal Property Away from an Insured Location; 7. Extends coverage to $10,000 for Property in Transit; 8. Adds $25,000 Expediting Expenses Coverage; 9. Adds Preservation of Property Coverage; 10. Adds $25,000 Consequential Loss Coverage; 11. Adds $25,000 Contractual Penalties Coverage; 12. Adds $5,000 Lock Replacement Coverage; and 13. Adds $25,000 Signs and Entrance Gates Coverage

B. Eligibility

This coverage option is available for all farm-ranch classes and policy plans. C. Form

Use Ag Xtra endorsement FP T3 81. Attach Ag Xtra Schedule endorsement FP T3 82 if increased limits are desired.

D. Premium Determination

A basic flat charge of $500 applies to the Ag Xtra endorsement.

Effective 4/1/2011


GENERAL RULES SECTION III – OPTIONAL COVERAGES RULE 33. AG XTRA ENDORSEMENT (CONTINUED) E. Increased Limits of Insurance

Certain Ag Xtra basic limits of insurance may be increased as shown below. Add the appropriate additional charges shown in the table below to the basic flat charge from paragraph D. of this rule to determine the final premium.

Increased Limit of

Insurance

Electronic Data

Accounts Receivable

Valuable Papers and

Records

Business Fine Arts

Additional Crime

Coverages

Farm Personal Property

Away from an Insured Location

Property in Transit

$25,000 $17 -- $17 $17 -- -- $20 $50,000 $44 $25 $44 $44 $25 $25 $52 $75,000 $72 $55 $72 $72 $55 $55 $85 $100,000 $99 $83 $99 $99 $83 $83 $117



DIVISION FOUR - FARM COUNTRYWIDE RATE PAGES

SECTION I – PROPERTY COVERAGES RATES

Edition 07 08 FR-R-I-1 THE TRAVELERS

DWELLINGS, HOUSEHOLD PERSONAL PROPERTY AND LOSS OF USE

Key Factors Amount of Insurance

Increase Factor

$20,000 2.0 25,000 2.5 30,000 3.0 35,000 3.5 40,000 4.0 45,000 4.5 50,000 5.0 55,000 5.5 60,000 6.0 65,000 6.5 70,000 7.0 75,000 7.5 80,000 8.0 85,000 8.5 90,000 9.0 95,000 9.5 100,000 10.0 105,000 10.5 110,000 11.0 115,000 11.5 120,000 12.0 125,000 12.5 130,000 13.0 135,000 13.5 140,000 14.0 145,000 14.5 150,000 15.0

each addt'l $5,000 add

.50

Key Premium $101

Coverage C Optional Limits Factors Delete Coverage C: .75 Decrease to 40% of Covg. A: .93 Increase to 60% of Covg. A: 1.07 Increase to 70% of Covg. A: 1.14 Increase to 80% of Covg. A: 1.21

Full Building Replacement Cost

$150 premium charge

Dwelling Replacement Cost Protection (Including Ordinance or Law Coverage)

Dwellings Rate - 1.062 * limit (per 1,000)

Extended Dwelling Replacement Cost % of Coverage Limit Premium Charge 125% of Covg. A $50 150% of Covg. A $80

Newer Home Credit Factors Year Built Factor current year .80 1 year .81 2 years .82 3 years .83 4 years .84 5 years .85 6 years .86 7 years .88 8 years .90 9 years .92 10 years .93 11 years .94 12 years .96 13 years .97 14 years .98 15 years .99





COVERAGE C and D – TENANTS

Key Factors Key Premium Amount of Insurance Increase Factor $98

$8,000 .80 10,000 1.00 12,000 1.20 14,000 1.40 16,000 1.60 18,000 1.80 20,000 2.00 22,000 2.20 24,000 2.40 26,000 2.60 28,000 2.80 30,000 3.00 32,000 3.20 34,000 3.40 36,000 3.60 38,000 3.80 40,000 4.00

each addt'l $2,000 add .20





COVERAGE A, B, C and D – NON-KEY RATES

Base Rate (Rates per $100) Dwellings .84 Mobile Homes 1.07 Household Personal Property 1.02





COVERAGE E – SCHEDULED FARM PERSONAL PROPERTY RATES Base Rate (Rates per $100) Machinery

Scheduled or Borrowed .46 Blanket (misc. equipment, $2,000 limit per item) .78 Irrigation Equipment .70 Harvesting Machines** .83 Cotton Pickers .83

Livestock Specific .50* Blanket 1.02*

Poultry Other than turkeys 1.56* Turkeys 3.84*

Hay In buildings .98 Outside (fire or lightning, windstorm or hail, vandalism,

vehicles & theft) 1.58*

Grain Harvested .48

General Property 1.02

* Not eligible for Special Coverage ** Harvesting Machines are defined as combines and any other machine used to harvest "dry" crops, other than

Cotton Pickers. Machines used to harvest "wet" crops such as fruits and vegetables shall not be considered as harvesting machines and should use the Scheduled or Borrowed Machinery rate.

Coverage Option Factors Functional Replacement Cost Factor Cotton Picker Safeguard: .90 1.25

Causes of Loss Factors Basic Coverage 1.00 Broad 1.17 Broad for Livestock 1.35 Special 1.33

Protection Class Factors Class 10 1.00 Class 9 .90 Class 8 .85 Classes 1-7 .75





COVERAGE E – SCHEDULED FARM PERSONAL PROPERTY RATES (CONT'D) Animal Collision Rates are based on numbers of livestock. For clarification purposes, cattle or cows and horses are considered one head of livestock. Four hogs or pigs equal one head of livestock. Ten sheep or goats equal one head of livestock.

Number of Livestock Full Coverage Premium $100 Deductible Premium 1-100 $20 $18

101-250 40 36 251-500 60 54

501-1,000 80 72 1,001-2,000 120 108 2,001-5,000 150 135 over 5,000 refer to company refer to company

The above rates are based on a $500 per head of livestock. To increase the per-head limit use the factors below:

Limit Factor $1,000 per head 1.5 $2,500 per head 2.0





COVERAGE F – UNSCHEDULED FARM PERSONAL PROPERTY

Amount of Insurance Modification Factor $ 1 to 100,000 1.00 $100,001 to 200,000 .96 $200,001 to 250,000 .94 $250,001 to 300,000 .90 $300,001 to 350,000 .88 $350,001 to 400,000 .86 $400,001 to 450,000 .84 $450,0001 and above .82





COVERAGE G – OTHER FARM STRUCTURES RATES

Covered Property Base Rate per $100 Farm Barns and Stables .98 Tobacco Barns .98 Hop Drying Barns .98 Outbuildings .65 Silos 1.02 Tanks .49 Grain Storage Bins .49 Poultry Houses 1.27 Fences, Pens, Feed Racks .98 Windmills, Windchargers, Private Power and

Light Poles 4.10

Radio and TV Equipment, Including Satellite Dishes

3.95

Protection Class Factors Class 10 1.00 Class 9 .90 Class 8 .85 Classes 1-7 .75

Other Structures Replacement Cost Protection (Including Ordinance or Law Coverage)

Other Structures Rate – 1.091 *limit (per 1,000)

Extended Other Structures Replacement Cost % of Coverage Limit Premium Charge 125% of Covg. G $50 150% of Covg. G $80





UNIT-OWNERS DWELLINGS AND LOSS OF USE


Increase Factor

$ 5,000 0.5 10,000 1.0 15,000 1.5 20,000 2.0 25,000 2.5 30,000 3.0 35,000 3.5 40,000 4.0 45,000 4.5 50,000 5.0 55,000 5.5 60,000 6.0 65,000 6.5 70,000 7.0 75,000 7.5 80,000 8.0 85,000 8.5 90,000 9.0 95,000 9.5 100,000 10.0 105,000 10.5 110,000 11.0 115,000 11.5 120,000 12.0 125,000 12.5 130,000 13.0 135,000 13.5 140,000 14.0 145,000 14.5 150,000 15.0


.50

Key Premium

$101

Coverage C Optional Limits Factors Delete Coverage C: .75

Unit-Owners Factor Multiply the developed unit-owners premium, after all modifications have been applied, by a factor of .80 to determine the final premium.





COVERAGE C and D – UNIT-OWNERS


Increase Factor

$5,000 .50 6,000 .60 8,000 .80 10,000 1.00 12,000 1.20 14,000 1.40 16,000 1.60 18,000 1.80 20,000 2.00 22,000 2.20 24,000 2.40 26,000 2.60 28,000 2.80 30,000 3.00 32,000 3.20 34,000 3.40 36,000 3.60 38,000 3.80 40,000 4.00


.20

Key Premium

$98 Loss Assessment Coverage – Increased Limit Apply the following flat charges: $5,000 Property Loss Assessment $3.00 $5,000 Liability Loss Assessment $3.00 Unit-Owners Factor Multiply the developed unit-owners premium, after all modifications have been applied, by a factor of .80 to determine the final premium.





SCHEDULED MISCELLANEOUS PROPERTY Property Type Rates Per $100 Bicycles 9.10 Cameras:

Non-Professional Professional

First $15,000 All Over $15,000

1.80

2.40 1.75

Rare and Current Coins 2.10 Golfer’s Equipment 1.00 Musical Instruments:

Non-Professional Professional

First $1,500 All over $1,500

.60

3.00 .65

Personal Furs Items Under $10,000 Items Over $10,000

.35 .70

Personal Jewelry Items under $10,000 Items over $10,000 to $19,999 Items over $20,000 Jewelry in a vault (identify jewelry & depositor)

.80 1.20 1.60 .30

Silverware, silverplated ware, goldware, goldplated ware and pewterware

.60

Contact Lens 16.00 Pedigree Dogs 8.00 Livestock Artificial Breeding Equipment Fine arts:

Protection Class 1-8 Protection Class 9 Protection Class 10 Breakage – Add to above rates

.11 .13 .15 .15

Guns and Firearms 3.25



SECTION II – PROPERTY COVERAGES COMMON RATING FACTORS

Edition 07 08 FR-R-II-1 THE TRAVELERS

RULE 1. BUILDING TYPE FACTORS A. The following building type factors should be applied to the:

1. Dwelling, Household Personal Property and Loss of Use rates; 2. Unit-Owners Dwelling and Loss of Use rates; 3. Coverage C and D Tenants rates; and 4. Coverage C and D Unit-Owners rates.

Building Type Factors Type 1 1.00 Type 2 1.25 Type 3 1.50

B. The following building type factors should be applied to the:

1. Coverage A, B, C and D Non-Key rates; and 2. Coverage G Other Farm Structures rates

Building Type Factors Type 1 1.00 Type 2 1.10 Type 3 1.25





RULE 2. CAUSE OF LOSS FACTORS A. The following Cause of Loss factors should be applied to the:

1. Dwelling, Household Personal Property and Loss of Use rates; and 2. Unit-Owners Dwelling and Loss of Use rates.

Cause of Loss Factors Dwelling, HPP and Loss of Use Basic 1.00 Broad 1.10 Special/Broad* 1.15 Special 1.30

* not applicable to Unit-Owners rates B. The following Cause of Loss factors should be applied to the:

1. Coverage C and D Tenants rates; and 2. Coverage C and D Unit-Owners rates.

Cause of Loss Factors Coverage C and D Tenants/Unit-Owners Basic 1.00 Broad 1.10 Special 1.15

C. The following Cause of Loss factors should be applied to the:

1. Coverage A, B, C and D Non-Key rates; and 2. Coverage G – Other Farm Structures rates

Cause of Loss Factors Non-Key Rates Coverage G – Other Structures Basic 1.00 Broad 1.10 Special 1.20





RULE 3. PROTECTION CLASS FACTORS A. The following Protection Class factors should be applied to the:

1. Dwelling, Household Personal Property and Loss of Use rates; 2. Unit-Owners Dwelling and Loss of Use rates; 3. Coverage C and D Tenants rates; and 4. Coverage C and D Unit-Owners rates.

Protection Class Factors Dwelling, HPP and Loss of Use Coverage C and D Tenants/U-O

Class 10 1.00 Class 9 .90 Class 8 .85 Class 7 .77 Class 6 .71 Class 5 .63 Class 4 .61 Class 3 .61 Class 2 .61 Class 1 .61

B. The following Protection Class factors should be applied to the Coverage A, B, C and D Non-Key rates:

Protection Class Factors Non-Key Rates

Class 10 1.00 Class 9 .90 Class 8 .85 Class 7 .75 Class 6 .69 Class 5 .61 Class 4 .59 Class 3 .59 Class 2 .59 Class 1 .59

C. The Protection Class Factors applicable to Coverage E – Scheduled Farm Personal Property and Coverage

G – Other Farm Structures are displayed on their respective rate pages. Refer to Section I of the countrywide rates, pages FR-R-I-4 and FR-R-I-7.





RULE 4. CONSTRUCTION FACTORS A. The following Construction factors should be applied to the:

1. Dwelling, Household Personal Property and Loss of Use rates; 2. Coverage C and D Tenants rates; 3. Coverage C and D Unit-Owners rates; and 4. Coverage A, B, C and D Non-Key rates.

Construction Factors Frame, Masonry Veneer 1.00 Masonry .90 Fire-Resistive .75

B. The following Construction factors should be applied to the Coverage G – Other Farm Structures rates:

Construction Factors Frame 1.00 Masonry .90 Non-Combustible .75 Fire-Resistive .75





RULE 5. DEDUCTIBLE FACTORS The following Deductible factors apply to all coverages and rates:

Deductible Factors

Deductible Factor $ 100 1.10

250 1.00 500 .94 1,000 } 2,500 } 5,000 } Refer to Company 7,500 } 10,000 } 25,000 }





RULE 6. PROTECTIVE SAFEGUARD DEVICES FACTORS The following Protective Safeguard Devices factors may be applied to the:


Protective Safeguard Devices Factors Lightning Rods (master label or other UL approved system)

.97

Alarm System (heat, smoke and burglary) Local .98 Automatic notification of other parties .96





RULE 7. HOUSEHOLD PERSONAL PROPERTY REPLACEMENT COST FACTORS A. The following Household Personal Property Replacement Cost factor may be applied to the Dwelling,

Household Personal Property and Loss of Use rates:

Household Personal Property Replacement Cost Factor – 1.10

B. The following Household Personal Property Replacement Cost factor may be applied to the:

1. Coverage C and D Tenants rates; 2. Coverage C and D Unit-Owners rates; and 3. Coverage A, B, C and D Non-Key rates.

Household Personal Property Replacement Cost Factor – 1.40





RULE 8. SUPPLEMENTAL HEATING DEVICES FACTORS The following Supplemental Heating Devices factors may be applied to the:


Supplemental Heating Devices Factors Type Factor Auxiliary coal and wood stoves 1.10 Portable space heaters 1.10





RULE 9. SPECIAL LOSS SETTLEMENT – DWELLINGS FACTORS The following Special Loss Settlement - Dwellings factors may be applied to the:

1. Dwellings, Household Personal Property and Loss of Use rates; and 2. Coverage A, B, C and D Non-Key rates.

Special Loss Settlement - Dwellings

% of Replacement Value Factor 50% 1.40 60% 1.25 70% 1.10





RULE 10. INFLATION GUARD FACTORS The following Inflation Guard factors may be applied to the:

1. Dwelling, Household Personal Property and Loss of Use rates; 2. Unit-Owners Dwelling and Loss of Use rates; and 3. Coverage G – Other Farm Structures rates.

Inflation Guard Factors Amount of Annual Increase Factor

4% 1.02 6% 1.03 8% 1.04

each addt'l 2% .01



SECTION III – LIABILITY RATES

Edition 07 08 FR-R-III-1 THE TRAVELERS

FARM LIABILITY – 715 Base Premium Type I Farms Class

Code* Premiums @

$25,000/$1,000 Medical Payments

Increase/$1,000 Total Acreage 160 or less 01518/9 82 6 More than 160, up to 500 01618/9 123 6 More than 500 up to 2,000 01718/9 184 6 Over 2,000 01818/9 219 6 Type II Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 02518/9 86 6 More than 160, up to 500 02618/9 129 6 More than 500 up to 2,000 02718/9 194 6 Over 2,000 02818/9 230 6 Type III Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 03518/9 90 6 More than 160, up to 500 03618/9 135 6 More than 500 up to 2,000 03718/9 204 6 Over 2,000 03818/9 241 6 Type IV Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 06518/9 95 6 More than 160, up to 500 06618/9 142 6 More than 500 up to 2,000 06718/9 213 6 Over 2,000 06818/9 252 6 * For farms that are non-owner operated in whole or part, use 9 instead of 8 as the fifth digit of the class code.





FARM LIABILITY – 715 Base Premium (cont'd)

Description Class Code

Premiums @ $25,000/$1,000

Med. PaymentsIncrease/$1,000

Incidental Activities Business & Incidental Farming Activities 05123 refer to company refer to company

Multi-Family Dwelling Two, three or four family dwelling without owner occupancy

05113 11 4

Two, three or four family dwelling with owner occupancy

05124 11 4

Additional Owned Dwellings Add’l One Family Residence Rented to Others without incidental Insured occupancy

05117

11

2

Add’l One Family Residence Rented to Others with permitted incidental insured occupancy

05118

8

2

One-Family Dwelling occupied by owner 09250 8 2 Two, three or four family dwelling at least partly occupied by owner

09252 15 4

Two, three or four family dwelling Not occupied by owner

09253 18 4

Additional Premises Additional farm premises rented to others 01412 13 1 Additional farm premises maintained by named insured, spouse or residents of named insured’s household

01418

23

1

Additional Insureds 05135 18 3 Non-relative resident 04122 3 1

Employers Liability Residence employees, in excess of two, each employee

01415 5 1

Farm Employees, per $1000 of payroll 01350 2 2 Additional Liability Classes

Custom farming, per $1,000 of receipts in excess of $2000

07106 .55 .04

Farm stands, per $1,000 of receipts 01235 .103 ** Snowmobiles, each 07990 54 4 All-Terrain Vehicles, each 07995 54 4

** Medical Payments do not apply to these codes.





FARM LIABILITY – 715 Base Premium (cont'd)


Premiums @ $25,000/$1,000


Watercraft up to 15 feet in length Powered by outboard, inboard or inboard-outdrive motors

Horsepower: Up to 50 04601 14 3 51 to 100 04603 36 4 101 to 150 04605 70 5 151 to 200 04607 refer to company refer to company Over 200 04609 refer to company refer to company

Watercraft 16-26 feet in length Powered by outboard, inboard or inboard-outdrive motors

Horsepower: Up to 50 04602 43 3 51 to 100 04604 62 4 101 to 150 04606 81 5 151 to 200 04608 100 6 Over 200 04610 refer to company refer to company

Sailboats with or without auxiliary power 26 to 40 feet 04621 27 3 41 feet or longer 04622 refer to company refer to company

Insured's Liability While Employed by Others in Non-Farm Jobs

Salesmen, collectors and messengers, including installation, demonstration or servicing operations

03210

5

2

Clerical office employees, salesmen, collectors and messengers, but not installation, demonstration or servicing operations

03320

3

2

Teachers, athletic, laboratory, manual training, physical training and swimming instructors

02295

9

3

Teachers, NOC 02296 4 2 Optional coverage for teachers, liability for corporal punishment of pupils

02297 3 **

Non-farm jobs, NOC 03909 refer to company refer to company






CGL FARM LIABILITY – 700 (OWNER OPERATED) Base Premium Type I Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 39200 32 6 More than 160, up to 500 39202 49 6 More than 500 up to 2,000 39204 75 6 Over 2,000 39206 86 6 Type II Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 39208 34 6 More than 160, up to 500 39210 52 6 More than 500 up to 2,000 39212 79 6 Over 2,000 39214 91 6 Type III Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 39216 36 6 More than 160, up to 500 39218 55 6 More than 500 up to 2,000 39220 83 6 Over 2,000 39222 96 6 Type IV Farms Class

Code* Premiums @


Increase/$1,000 Total Acreage 160 or less 39224 37 6 More than 160, up to 500 39226 57 6 More than 500 up to 2,000 39228 87 6 Over 2,000 39230 100 6 * For farms that are non-owner operated in whole or part, see page FR-R-III-5.





CGL FARM LIABILITY – 700 (NON-OWNER OPERATED) Base Premium (cont'd) Type I Farms Class

Code Premiums @


Increase/$1,000 Total Acreage 160 or less 39201 32 6 More than 160, up to 500 39203 49 6 More than 500 up to 2,000 39205 75 6 Over 2,000 39207 86 6 Type II Farms Class

Code Premiums @


Increase/$1,000 Total Acreage 160 or less 39209 34 6 More than 160, up to 500 39211 52 6 More than 500 up to 2,000 39213 79 6 Over 2,000 39215 91 6 Type III Farms Class

Code Premiums @


Increase/$1,000 Total Acreage 160 or less 39217 36 6 More than 160, up to 500 39219 55 6 More than 500 up to 2,000 39221 83 6 Over 2,000 39223 96 6 Type IV Farms Class

Code Premiums @


Increase/$1,000 Total Acreage 160 or less 39225 37 6 More than 160, up to 500 39227 57 6 More than 500 up to 2,000 39229 87 6 Over 2,000 39231 100 6





CGL FARM LIABILITY – 700 Base Premium (cont'd)


Premiums @ $25,000/$1,000


Personal Liability Initial residence premises with or without permitted incidental occupancy

05323 23 1

Multi-Family Dwelling Two, three or four family dwelling without owner occupancy

05213 27 2

Two, three or four family dwelling with owner occupancy

05224 32 2

Additional Owned Dwellings Add’l One Family Residence Rented to Others without incidental Insured occupancy

05117

11

2

Add’l One Family Residence Rented to Others with permitted incidental insured occupancy

05118

8

2

One-Family Dwelling occupied by owner 09250 8 2 Two, three or four family dwelling at least partly occupied by owner

09252 15 4

Two, three or four family dwelling not occupied by owner

09253 18 4

Additional Premises Additional farm premises rented to others 01412 13 1 Additional farm premises maintained by named insured, spouse or residents of named insured’s household

01418

23

1

Products/Completed Operations Animal and livestock breeders or dealers, except poultry hatcheries

01391 refer to company **

Poultry hatcheries 07230 refer to company ** Farm products-NOC 01901 refer to company **

Employers Liability Farm Employees, per $1000 of payroll 01350 5 1

Additional Liability Classes Custom farming, per $1,000 of receipts in excess of $2000

07106 .55 .04

Snowmobiles, each 07990 54 4 All-Terrain Vehicles, each 07995 54 4






FARM LIABILITY – 715 CGL FARM LIABILITY – 700 A. Liability Increased Limits Factors. Aggregate and Per-Occurrence limits shown in 1,000s.

Per Occurrence Aggregate 50 100 200 250 300 400 500 750 1,000

50 1.18 100 1.20 1.31 200 1.24 1.35 1.53 250 1.25 1.37 1.55 1.64 300 1.26 1.38 1.57 1.66 1.74 400 1.27 1.39 1.59 1.68 1.77 1.87 500 1.28 1.40 1.60 1.69 1.78 1.89 1.95 750 1.29 1.42 1.61 1.70 1.79 1.91 1.98 2.12

1,000 1.30 1.43 1.62 1.71 1.80 1.93 2.01 2.15 2.25 B. Increased Limits Charges

1. Fire Damage Limits (Tenants Fire Legal Liability) Apply the following flat charges:

Limit Flat Charge $100,000 $50 $150,000 $150 $200,000 $200 $250,000 $250 $300,000 $300 $400,000 $400 $500,000 $500 $600,000 $600 $700,000 $700 $800,000 $800 $900,000 $900

$1,000,000 $1,000

2. Chemical Drift Liability (for 500 acres or less) Apply the following flat charges:

Limit Flat Charge $50,000 $25 $100,000 $50 $200,000 $100 $300,000 $150 $500,000 $200

For 501 acres or more, multiply the flat charges shown above by a factor of 2.00.



SECTION IV – STABLE LIABILITY RATES

Edition 07 08 FR-R-IV-1 THE TRAVELERS

STABLE LIABILITY RATES Description Class

Code Premiums @

$25,000

Med. Payments Saddle Animals (commercial & private) 39073 Rate per Horse

Owned/leased/used by insured Show, pleasure, breeding

21.25 Incl.

Stables – Boarding 39074 Rate per Horse Pleasure, breeding Incidental Sales (up to 5 horses)

21.25 n/a

Over 5 horses sold annually See Sales for add'l charge Stables Training 39075 Rate per Horse

Pleasure/Show horse training (per horse) 30.13 Incl. Livestock Sales 39080 Rate per Animal over 5

Rate per animal over 5 6.55 Incl. Carts, Buggies, Wagons 39092

Owned or used by the insured in public events. Rate for each item.

10.92 n/a

Stables – Racing 39078 Rate per Horse Training, racing 34.93 Incl.

Retail Tack Shop 39081 On stable premises. Rate per $1,000 in annual receipts. Food sales cannot exceed $2,500 annually.

34.06 Incl.





STABLE LIABILITY RATES (CONT'D) COMMERCIAL STABLES

Limits (Occurrence/Aggregate) Class Description Class

Code $300,000/ $600,000

$500,000/ $1,000,000

$1,000,000/ $2,000,000

Riding Clubs and Academies 39076 Rate per Horse Rate per $1,000 in receipts 4% 6% 8% Lessons to students on their own horses. Rate receipts at:

1.70% 2.00% 2.50%

Clinics. Rate per day at: $30 $40 $50 Students to off-premises shows. Rate receipts at:

2.50% 2.90% 3.50%

Minimum Premium for this Class $225 $300 $400 Additional Insured 39077 Premium Charge for Each

Including instructors liability $200 $250 $350 Minimum Premium for this Class $350

Saddle Animals for Hire 39079 Premium Charge per Pony Pony Rides $300 $350 $475

Plus receipts at: 10% 12% 15% Horses leased to camps $100 $120 $150 Minimum Premium for this Class $475

Product Liability 39082 Premium Charge Up to $50,000 gross receipts (exclude product liability for sale of horses or repair of tack equipment and feed if mixed by insured)

$125

$175

$250

Over $50,000 gross receipts Refer to Company Minimum Premium for this Class $250





STABLE LIABILITY RATES (CONT'D) COMMERCIAL STABLES (CONT'D)


Code $300,000/ $600,000

$500,000/ $1,000,000

$1,000,000/ $2,000,000

Polo Clubs 39085 Premium Charge All $185 $235 $295 Minimum Premium for this Class $295

Riding Clubs - Private 39086 No facilities owned/leased:

First 100 members and 3 public days - base

$185 $235 $295

Additional members (per member) 0.5 0.65 0.85 Extra public days (up to 500 spectators per day)

$35 $45 $60

Clinics (per day) $30 $40 $50 Parades – for each 5 horses $15 $20 $25 Polo Matches (per day) $60 $70 $90

Premises owned or leased – additional premium charges

Up to 15 acres, basic buildings $50 $75 $120 Add: up to 25 stalls $75 $100 $135 26 to 50 stalls $100 $125 $165 51 to 75 stalls $125 $150 $200

Boarding or instruction to non-members will be rated separately.

Food Sales $500-$2,500 $40 $45 $65 Tack sales $500-$5,000 $40 $45 $65 Hounds used in hunts – over 10 (rate per hound)

$5 $6 $8

Minimum Premium for this Class $250 $300 $400 USDF Clubs 39088 Premium Charge

Base includes 3 public events $384 Additional public events, per day $44 Minimum Premium for this Class $384





STABLE LIABILITY RATES (CONT'D) COMMERCIAL STABLES (CONT'D)


Code $300,000/ $600,000

$500,000/ $1,000,000

$1,000,000/ $2,000,000

Horse Shows – annual policies 39083 Rate per Show Day Number of participants and spectators:

1 to 100 per show $100 $135 $160 101 or more per show refer to company

Minimum Premium for this Class $160 Grandstands/Bleachers 39084 Rate per Show Day

Number of seats: 1 to 100 $100 $135 $160 101 or more refer to company

Minimum Premium for this Class $160 Blacksmithing by Insured 39087 Premium Charge

On stable premises only $60 $70 $85 Minimum Premium for this Class $85

Show Insurance 39089 Rate per Day For single events, not annual policies

Up to 500 spectators $95 $145 $170 501 or more spectators submit for rating USDF (no credits apply) $90

Minimum Premiums for this Class $100 $150 $175





STABLE LIABILITY RATES (CONT'D) CARE, CUSTODY OR CONTROL RATES

Use class code 39072 for Care, Custody or Control coverage.

Limit per Horse

Limit per Occurrence

Annual Aggregate

Premium up to 20 Horses

Additional Charge per Horse Over 20

$500 $5,000 $5,000 $100 $5 $1,000 $10,000 $10,000 $200 $6 $2,500 $25,000 $25,000 $300 $7 $5,000 $25,000 $25,000 $350 $8 $5,000 $50,000 $50,000 $400 $10 $10,000 $50,000 $50,000 $450 $11 $10,000 $100,000 $100,000 $500 $13 $25,000 $250,000 $250,000 $600 $20 $50,000 $250,000 $250,000 $900 $20 $100,000 $300,000 $300,000 $1,200 $22 $200,000 $500,000 $500,000 $2,500 $25

Interpolation To determine the premium for a limit of insurance between two limits shown in the premium table, add the pro-rata premium for the difference between the nearest limits shown to the premium for the lower limit. Rating Formula for Care, Custody or Control coverage: + ( X ) = Base premium up to

20 horses Number of horses

over 20 Additional premium

for each horse Annual Premium





STABLE LIABILITY RATES (CONT'D) TRIP TRANSIT SURCHARGE

Use class code 39071 for Transit coverage.

Limit per Horse

Limit per Occurrence

Annual Aggregate

Rate per Horse per Trip

$500 $5,000 $5,000 $1.00 $1,000 $10,000 $10,000 $1.50 $2,500 $25,000 $25,000 $2.00 $5,000 $25,000 $25,000 $2.50 $5,000 $50,000 $50,000 $3.00 $10,000 $50,000 $50,000 $3.50 $10,000 $100,000 $100,000 $4.00 $25,000 $250,000 $250,000 $5.00 $50,000 $250,000 $250,000 $6.00 $100,000 $300,000 $300,000 $7.00 $200,000 $500,000 $500,000 $8.00

Interpolation To determine the premium for a limit of insurance between two limits shown in the premium table, add the pro-rata premium for the difference between the nearest limits shown to the premium for the lower limit. Rating Formula for Trip Transit coverage: X X =

Number of Trips Number of horses per Trip

Transit Charge per Horse per Level of

Coverage

Transit Surcharge Added to CCC Policy

Premium Guidelines for Trip Transit Charges on Care, Custody or Control: 1. For trips within a 150-mile radius. 2. Intent of policy is to cover incidental local transit from 5-7 trips per year. 3. Transit charge applies to policy if trip exceed 4 local transit trips per year. 4. If charges exceed the basic policy premium or more than 7 trips are made per year then transit should be

excluded from the CCC policy. The Insured should obtain a commercial transit policy from a commercial carrier.

TRAVELERS SUPPLEMENTARY RATING PROCEDURES MANUAL

Edition 04 08 SPECIAL EVENTS-01

SPECIAL EVENTS The rates shown below are base rates and are subject to the liability increased limits factors shown in the Travelers Agribusiness Manual.

Agribusiness Special Events Rate Chart

Description Class Code Low Hazard Medium Hazard High Hazard Social gatherings and meetings, off-premises. Rate is per location.

48557

$5-$50

$51-$200

$201-$500

Exhibitions – in buildings, no admission. Rate is per event.

63219

$4-$40

$41-$175

$176-$450

Additional Insured –Special Events. Rate is per insured.

39010 $3-25 $26-100 $101-400

Hazard Type General Characteristics and Notes Low Expected attendance is less than 50 persons.

Event duration: 1 day or less. Off-premises events sponsored by a separate entity at which the insured is an exhibitor should be treated as low hazard regardless of the number of attendees/participants or exhibitors.

Medium Expected attendance is 50-200 persons. Event duration: 1-2 days.

High Expected attendance is 201-400 persons. Event duration: 2-3 days.

Refer to Company Multiple off-premises locations (class codes 48557 and 39010 only). Events or gatherings of durations greater than 3 days. Expected attendance of more than 400 persons. Additional event activities as shown in company guidelines.

2008-03-0071


SPECIAL EVENTS (CONT'D) Class Codes Class Code 48557 – Social Gatherings and Meetings - on premises not owned or operated by the insured - Other than Not-For-Profit This classification includes concerts, dances, outings, picnics and theatrical performances. Basis of premium is each location. Products/Completed Operations are included. Rates: refer to (a) Rate Supplement. We selected this class code for use with Agribusiness liability to account for off-premises public gatherings such as promotional events, festivals, community/street fairs, trade shows and exhibitions. Such events would be in addition to any events that are part of the insured's routine operations. Class Code 63219 – Exhibitions - in buildings - no admission charged - Other than Not-For-Profit Note: Coverage does not apply to bodily injury and medical payments to participants in athletic contests sponsored by the insured. Use Exclusion - Athletic Or Sports Participants Endorsements CG 21 01. Lessors shall be classified and rated as "Exhibition or Convention Buildings". Basis of premium is each exhibition. Products/Completed Operations are included. Rates: refer to (a) Rate Supplement. We selected this class code for use with the Agribusiness liability to encompass on-premises events held by our insured (however, certain off-premises events not contemplated in class code 48557 may also be considered). These events may include - but are not limited to - weddings, seasonal festivals, group parties or receptions, meetings and seminars. Class Code 39010 – Additional Insureds – Not Pro-Rated – Limited Duration Special Events Basis of premium is each insured. Rates: refer to (a) Rate Supplement. Use this class code with Farm Liability to encompass special events on or away from an insured location at which the insured is an exhibitor and during which the insured, for purposes of participation, must add a third party as an additional insured. These events may include - but are not limited to – wine tastings, industry trade shows and related events, festivals, fairs, community events and exhibitions. Underwriting Guidelines for Special Events on Agribusiness Policies When reviewing a new business submission or a renewal the underwriter should request a schedule of the insured’s anticipated special events for the coming policy year. When determining a premium charge the underwriter must first look at the nature of the event as indicated on the schedule of special events. If an event is contemplated in the overall exposure then no additional charge may be necessary. Events that are not anticipated in the overall exposure and/or fall outside of the insured's routine operations will be subject to a separate premium charge.



SPECIAL EVENTS (CONT'D) Following is a list of activities that may require special underwriting expertise and may influence the selected rate. It is intended as a guide and is not all-inclusive. Activities shown below should be referred to the RVP or Home Office for discussion when outside of the exposures normally contemplated within the class of business:

o Any entertainment (concerts, shows, etc.) provided during the event; o Food being served during an event; o Tours of the insured's facilities; o Valet parking o Additional automobile exposures, including guest or visitor transportation provided by the insured; o Sports or athletic activity; o Eating and/or drinking contests; o Activities involving animals including horseback riding, pony rides, petting zoos, etc. (if Stable Liability

coverage is not part of the policy); o Mechanical risks of any kind, including trains; o Children’s activities such as “bounce houses”, trampolines, etc; o Political, advocacy or action group demonstrations; o Any aircraft or air shows including hang gliding, ballooning (including tethered balloons), airplanes

helicopter rides, parachuting, etc.; o Fireworks or pyrotechnic displays; o Any event involving bleachers, grandstands, or seating on outside raised platforms/stages; o Motor vehicle events such as races, derbies, driving skill contests, stunts, etc. (does not include

“concours d’elegance” and similar other car shows where the vehicles are parked and stationary for the duration of the event);

If the underwriter determines not to insure an off-premises event endorsement FL T3 05 – Exclusion - All Hazards in Connection With Designated Exposure or FL T3 06 – Exclusion - All Hazards in Connection With Designated Premises should be attached to the policy. Provide a complete description of the exposure or premises on the endorsement.


FARM-RANCH


Edition 04 08 EQUINE PROFESSIONAL SERVICES -1

EQUINE PROFESSIONAL SERVICES A. Class Code 39093 – Equine Professional Services - Horse Farms/Trainers

1. Use this class code with General Liability to provide coverage against claims for bodily injury and property damage arising out of the rendering of or failure to render professional services as the owner or operator of an equestrian or stable facility. Such services may include - but are not limited to – riding instruction, riding lessons, dressage, horse shows and judging.

2. The limits of liability which apply to CGL are extended to apply to this coverage, i.e., the Equine Professional Services limits are part of, and not in addition to, the GL Policy limits.

3. Attach Equine Professional Services Endorsement FL T3 34. Refer to the endorsement for details of coverage.

4. If professional services coverage is not to be afforded, it must be specifically excluded by ISO Endorsement CG 21 16.

B. Rates

1. Basis of premium is the total number of lessons given annually. 2. Use the following rate: .07 - .15. 3. A minimum premium of $50 applies regardless of term. 4. Refer to liability rating manual for increased limits factors.

FARM-RANCH


02/01/2010

ADDITIONAL INSURED – VENDORS Additional Insured – Vendors Broad Form A. The definition of "insured" in the Farm Combination Liability policy (type 715 or type 701) may be amended to

include as an additional insured any specifically named person(s) or organization(s) but only with respect to bodily injury or property damage arising out of specified products of the insured which are Distributed or sold in the regular course of the vendor's business

B. Use Additional Insured – Vendors Broad Form Endorsement FL T3 38 and supporting Schedule FL T3 40

when providing this coverage. C. Rate equals 1 - 10% of the appropriate products rate, multiplied by the sales per $1000 generated by the

vendor(s) being covered. GA, IN, NC: 1 - 3% DC, MS, MT, RI, WA: 1 - 2% Range not permitted in MO & OH: 2%

2009-08-0014 ADDITIONAL INSURED - VENDORS -1

Travelers Farm-Ranch Rules Guide

Section I – General Rules Page Number Description Current Edition Prior Edition FR-I-1 General Rules 2-6 07 08 FR-I-2 General Rules 7-8 02 10 07 08 Section II – Basic Coverages and Premium Computation Page Number Description Current Edition Prior Edition FR-II-1 Farm Combination Rules 07 08 FR-II-2 Farm Non-Combination Rules 07 08 FR-II-3 Coverages E, F, & G Rules 07 08 FR-II-4 Miscellaneous Property & Liability 02 10 07 08 FR-II-5 Type 715 Liability Rules 07 08 FR-II-6 Type 700 Liability Rules 07 08 Section III – Optional Coverages Page Number Description Current Edition Prior Edition FR-III-1 Agri-Plus II Endorsement 07 08 FR-III-2 Dairy Farms Amendatory Endorsement 07 08 FR-III-3 Enhanced Pollutant Cleanup 07 08 FR-III-4 Farm Computer Coverage 07 08 FR-III-5 Sump Overflow 02 10 07 08 FR-III-6 Credit Cards, etc. Increased Limit 07 08 FR-III-7 Loss of Use 07 08 FR-III-8 Increased Theft Special Limits 07 08 FR-III-9 Rental to Others – Theft 07 08 FR-III-10 Farm Machinery Rental Reimbursement 07 08 FR-III-11 Business Property Coverage 07 08 FR-III-12 Spoilage Coverage 07 08 FR-III-13 Borrowed Farm Equipment 07 08 FR-III-14 Equine Property Coverage 07 08 FR-III-15 Damage to Below-Ground Foundations 07 08 FR-III-16 Farm Machinery Replacement Cost 07 08 FR-III-17 Extra Expense – Coverages E, F, or G 07 08 FR-III-18 Blanket Disruption of Operations 02 10 07 08 FR-III-19 Watercraft 07 08 FR-III-20 Watercraft (cont’d) 07 08 FR-III-21 Watercraft (cont’d) 07 08

Effective 04/01/2011 1


Section III – Optional Coverages (cont’d) Page Number Description Current Edition Prior Edition FR-III-22 Farm Property Equipment Breakdown 02 10 07 08 FR-III-23 Farm Property Equipment Breakdown (cont’d) 02 10 07 08 FR-III-24 Extended Replacement Cost Option 07 08 FR-III-25 Winery Property Coverage 07 08 FR-III-26 Orchard & Vineyard Owners Property 07 08 FR-III-27 High Value Dwelling 07 08 FR-III-28 Identity Fraud Expense Coverage 07 08 FR-III-29 Additional Insureds – Special Events 07 08 FR-III-30 Unit-Owners Coverage 07 08 FR-III-31 Blanket Irrigation Equipment, Harvesters and

Combines 04 09

FR-III-32 Green Dwelling Enhancements 04 09 FR-III-33 Additional Ordinance or Law Option 04 09 FR-III-34 Cosmetic Damage Exclusion 02 10 FR-III-35 Foreign Objects – Blanket Coverage 02 10 FR-III-36 Ag XTRA 04 11

Travelers Farm-Ranch Rates Guide Effective 01/01/2009

Section I – Property Coverages rates Page Number Description Current Edition Prior Edition FR-R-I-1 Dwellings, HPP & Loss of Use 07 08 FR-R-I-2 Coverage C and D – Tenants 07 08 FR-R-I-3 Coverages A-D Non-Key Rates 07 08 FR-R-I-4 Coverage E Rates 07 08 FR-R-I-5 Coverage E Rates (cont’d) 07 08 FR-R-I-6 Coverage F Rates 07 08 FR-R-I-7 Coverage G Rates 07 08 FR-R-I-8 Unit-Owners Dwellings & Loss of Use 07 08 FR-R-I-9 Coverage C and D Unit-Owners 07 08 FR-R-I-10 Scheduled Miscellaneous Property 07 08 Section II – Property Coverages Common Rating Factors Page Number Description Current Edition Prior Edition FR-R-II-1 Building Type Factors 07 08 FR-R-II-2 Cause of Loss Factors 07 08 FR-R-II-3 Protection Class Factors 07 08 FR-R-II-4 Construction Factors 07 08 FR-R-II-5 Deductible Factors 07 08 FR-R-II-6 Protective Safeguard Factors 07 08 FR-R-II-7 HPP Replacement Cost Factors 07 08 FR-R-II-8 Supplemental Heating Devices Factors 07 08 FR-R-II-9 Special Loss Settlement – Dwellings Factors 07 08 FR-R-II-10 Inflation Guard Factors 07 08 Section III – Liability Rates Page Number Description Current Edition Prior Edition FR-R-III-1 Farm Liability 07 08 FR-R-III-2 Farm Liability (cont’d) 07 08 FR-R-III-3 Farm Liability (cont’d) 07 08 FR-R-III-4 CGL Farm Liability 07 08 FR-R-III-5 CGL Farm Liability (cont’d) 07 08 FR-R-III-6 CGL Farm Liability (cont’d) 07 08 FR-R-III-7 All Liability Increased Limits Factors 07 08



Section IV – Stable Liability Rates Page Number Description Current Edition Prior Edition FR-R-IV-1 Stable Liability Basic Rates 07 08 FR-R-IV-2 Commercial Stables 07 08 FR-R-IV-3 Commercial Stables (cont’d) 07 08 FR-R-IV-4 Commercial Stables (cont’d) 07 08 FR-R-IV-5 Care, Custody or Control Rates 07 08 FR-R-IV-6 Trip Transit Rates 07 08

travelers agribusiness underwriting manual · 2012-10-17 · supplement – iso commercial lines...

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