30 - farmowners · 9. farms which contain mines, quarries, rifle ranges, or areas used for...

AUGUST 2003 GERMANTOWN MUTUAL INSURANCE COMPANY 30.1

FARMOWNERS PROGRAM

WISCONSIN COUNTIES ................................................................................................ 30.2

RATING TERRITORIES ................................................................................................. 30.3

ELIGIBILITY ................................................................................................................... 30.4

INELIGIBLE RISKS ........................................................................................................ 30.4

GENERAL INSTRUCTIONS AND UNDERWRITING GUIDELINES ............................. 30.5

BINDING AUTHORITY ................................................................................................... 30.5

SOLID FUEL BURNING UNITS ..................................................................................... 30.5

INSURANCE TO VALUE ............................................................................................... 30.6

APPLICATION AND PHOTOS........................................................................................ 30.6

INDIVIDUAL RISK PREMIUM MODIFICATION PLAN ................................................... 30.6

PROGRAM DESCRIPTION ............................................................................................ 30.6

MINIMUM LIMITS OF LIABILITY .................................................................................... 30.8

POLICY PERIOD ............................................................................................................ 30.8

RESTRICTION OF INDIVIDUAL POLICIES................................................................... 30.8

ADDITIONAL OR RETURN PREMIUMS ....................................................................... 30.8

CANCELLATION OR REDUCTION IN LIMITS OF LIABILITY OR COVERAGES ........ 30.9

DEDUCTIBLES .............................................................................................................. 30.9

DWELLING PROGRAM OPTIONS ................................................................................ 30.9

SECTION I - OPTIONAL COVERAGES ........................................................................30.11

FARM PROPERTY ....................................................................................................... 30.14

FARM PROPERTY OPTIONAL COVERAGES ............................................................ 30.15

LIABILITY AND MEDICAL PAYMENTS ....................................................................... 30.18

FARM RATES ............................................................................................................... 30.25

30.2 GERMANTOWN MUTUAL INSURANCE COMPANY AUGUST 2003

WISCONSIN COUNTIES

ZONE 1 ZONE 2 ZONE 3 ZONE 4 ZONE 5

Brown Columbia Adams Ashland Buffalo

Calumet Dane Clark Barron Dunn

Fond du Lac Dodge Crawford Bayfield Pepin

Kewaunee Green Door Burnett Pierce

Manitowoc Jefferson Grant Chippewa Polk

Outagamie Kenosha Green Lake Douglas St. Croix

Ozaukee Milwaukee Iowa Eau Claire

Sheboygan Racine Jackson Florence

Washington Rock Juneau Forest

Winnebago Sauk La Crosse Iron

Walworth La Fayette Langlade

Waukesha Marathon Lincoln

Marquette Marinette

Monroe Menominee

Portage Oconto

Richland Oneida

Shawano Price

Taylor Rusk

Vernon Sawyer

Waupaca Trempealeau

Waushara Vilas

Wood Washburn


GENERAL RULES - FARMINTRODUCTION

1. The Germantown Mutual Insurance Company Farmowners Policy is a flexible coverage contractdesigned to meet the insurance needs of today’s modern farmer. Coverage may be written on acomplete “package” basis or may be tailored to meet certain special coverage needs of theindividual risk.

2. With this policy, Germantown Mutual has the facility and capacity to insure the family-type farm. Inaddition, the policy has the flexibility of providing coverage for the hobby farm where little or nofarming is involved.

The following pages describe in detail our Farmowners Program eligibility requirements, coverages and ratingprocedures.

ELIGIBILITY

To be eligible for the Germantown Mutual Farmowners Program, the following applies:

1. The agent is required to personally view the property and determine its acceptability.

2. The property must be well maintained and reflect pride of ownership.

3. The applicant should have a positive attitude toward farm safety with a favorable loss history.

4. Credit reports are ordered on all new business, and along with other underwriting criteria, are used toevaluate the risk.

5. The farm should be either:

A. owner occupied;B. owned and farmed by a family corporation or family partnership; orC. occupied by a full time resident tenant involved in the farming operation.

INELIGIBLE RISKS

Eligible farms should not present unusual exposures or excessive hazards. The following is a generallisting of types of risks and exposures which are not considered eligible for our Farmowners Program.

1. Poultry, brooder and broiler farms;

2. Vacant or unoccupied farms. Also, properties in the process of being remodeled and not beingoccupied on a full time basis.

3. Horse farms, including breeding, boarding, and stable operations;

4. Commercial cattle dealers and sales barns;


5. Orchards, potato, cranberry, vegetable, ginseng, greenhouses, fur farms, veal and other specializedagricultural farming operations.

6. Buildings housing livestock containing unapproved cellular plastic insulation which is not covered by anapproved, 15-minute fire barrier. Some modern plastic insulations have been improved and do notpresent serious fire hazards. If an agent believes that an insulation may be acceptable, he should obtainits brand name and manufacturer, the installation date, and the name of the installer, and should thencontact Underwriting for approval before submitting the application;

7. Applicants owning a vicious animal and/or the breed of an animal that has a reputation of aggressivetendencies;

8. Farms which rent family garden plots or farm your own acreage.

9. Farms which contain mines, quarries, rifle ranges, or areas used for recreational purposes open to thepublic. This includes land leased for hunting purposes.

10. Buildings in which unapproved heatlamps, portable salamander-type heaters, or similar devices areused.

11. Seasonal or tenant occupied farms.

12. Mobile homes with wood burning heaters.

13. Applicants requesting liability coverage only.

14. Tenant occupied mobile homes.

If the agent has any doubt about unusual situations, it is recommended that they contact Underwritingbefore submitting an application.

GENERAL INSTRUCTIONS AND UNDERWRITING GUIDELINES

BINDING AUTHORITY

A licensed agent of the Company may bind the Company on a risk or type of coverage which is not listed asineligible in the manual. Agents may bind up to and not in excess of:

$300,000 on all property at one location$300,000 on liability

Do not bind on any risk in excess of these amounts. You may call for binding approval for higheramounts.

SOLID FUEL BURNING UNITS

The following situations do not qualify for our Farmowners Program:

1. Homemade units or barrel stoves.


2. Dwellings containing solid fuel burning units which are either double vented, have a metal chimney orflue, or have not been inspected by the local building inspector or fire department.

3. Dwellings where a solid fuel unit is the sole or primary heat source.

4. Dwellings containing fireplace inserts.

5. Tenant occupied dwellings containing solid fuel burning units.

6. Outbuildings or garages containing solid fuel burning units, without prior approval.

A solid fuel burning supplement must accompany the Farmowners application. A charge of $75.00 perunit will apply.

INSURANCE TO VALUE

The impact of inflation on property values is widely recognized. To assist agents in dealing with values,Germantown Mutual uses a professionally recognized building appraisal system.

APPLICATION AND PHOTOS

A Farmowners Application must be submitted, along with photos of all major buildings. Name of the insuredand building identification should be written on each photo. The application must be entirely completed andsigned by both the agent and the insured. All farms will be inspected for loss prevention purposes.

INDIVIDUAL RISK PREMIUM MODIFICATION PLAN

This plan may be used to recognize special characterisics of individual farm accounts which are not fullyreflected in the basic premium. Credits or debits, applicable to the total policy premium, may be applied aftera thorough analysis of favorable and unfavorable features.

A completed Form GMF-9 must be submitted when a risk is being considered for premium modification. Alldebits and credits must first be approved by Underwriting.

PROGRAM DESCRIPTION

The following is a brief description of coverages provided in this program.

1. Policy Coverages

Dwelling - Primary Residence and Personal PropertyFarm Personal PropertyFarm Barns, Buildings and StructuresLiability & Medical Payments


2. Coverage A, B, C and D

A. Dwelling Property Coverages

Coverage A - DwellingCoverage B - Related Private Structures (non-farm use)Coverage C - Household Personal PropertyCoverage D - Additional Living Costs

B. Dwelling Form Options

Form FO-1 - Basic FormForm FO-2 - Broad FormForm FO-3 - Special FormForm FO-4 - Tenant’s Contents Broad Form

3. Coverage E - Farm Barns, Buildings and Structures

Covers additional farm dwellings, barns, portable buildings, other farm buildings and structures, andtenant’s improvements in farm buildings for which a limit is shown on the declarations pages or schedule.Buildings and structures are covered on an actual cash value basis.

4. Coverage F - Scheduled Farm Personal Property

Coverage classes or items of farm personal property for which a limit is shown on the declarationspage or a schedule. Coverage applies on an actual cash value basis.

5. Coverage G - Unscheduled Farm Personal Property

Covers farm personal property on a blanket basis. The coverage G limit must be shown on thedeclarations page. A complete inventory list is required. Coverage applies on an actual cashvalue basis subject to a 80% co-insurance requirement.

6. Coverages E, F, & G - Form FO-6 insures covered property against risks of direct physicalloss caused by the following perils:

Fire or Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles,Smoke, Vandalism, Theft, Sinkhole Collapse, Volcanic Action, (Machinery & LivestockCollision), (Livestock only - Earthquake, Flood, Electrocution, Loading or Unloading Accidents).Incidental Property Coverages: Emergency Removal, Debris Removal, Fire Department ServiceCharge, Pollutant Clean Up and Removal, Property in the Custody of a Common or ContractCarrier, Signs, Glass Breakage in Cabs, Farm Operations Records. Refer to Policy form forlimitations.

7. Coverage L - Personal Liability (Farm)

A. Form GL-2 covers liability exposures that arise out of the insured premises and the personalactivities of the insured.

B. A $1,000 Contaminated Milk Deductible applies - Form GMF-1


8. Coverage M - Medical Payments to Others

Covers medical expenses incurred by persons who are not insureds if bodily injury occurs in connectionwith the insured premises or the insured’s activities.

MINIMUM LIMITS OF LIABILITY

The minimum limits of Liability for the Farmowners Policy are as follows:

PROPERTY COVERAGES

Coverage Form 1 Form 2 Form 3 Form 4 Mobile HomeForm 1 Form 2

Cov A $20,000 $25,000 $35,000 N/A $8,000 $10,000

Cov B 10% of Cov A 10% of Cov A 10% of Cov A N/A 10% of Cov A

Cov C 50% of Cov A 50% of Cov A 50% of Cov A $6,000 50% of Cov A

Cov D 20% of Cov A 20% of Cov A 20% of Cov A 40% of Cov C 20% of Cov A

Cov E Farm, Barns, Buildings & Structures = $500

Cov F Scheduled Farm Personal Property = None

Cov G Blanket Farm Personal Property = $20,000

Cov L Liability = $25,000

Cov M Medical Payments = $500

POLICY PERIOD

A Farmowners Policy may be issued for a term of three, six or twelve months. All premiums shown inthis manual are annual. Six-month policies will be written for 50% of the annual premium and three-month policies for 25% of the annual premium.

RESTRICTION OF INDIVIDUAL POLICIES

When unacceptable exposures or hazards of an incidental nature exist on an otherwise insurable farm,underwriting will consider issuing a policy which is endorsed to exclude the unacceptable exposure orhazard. Prior underwriting approval is required.

ADDITIONAL OR RETURN PREMIUMS

If the amendment of an outstanding policy involves a premium adjustment of less than $2.00, suchadjustment shall be waived. If the return premium is less than $2.00 and refund is requested, the actualamount shall be returned.


CANCELLATION OR REDUCTION IN LIMITS OF LIABILITY OR COVERAGES

The original policy must be returned or a signed lost policy receipt. (If insurance is cancelled orreduced, the earned premium shall be computed on a pro-rata basis.)

DEDUCTIBLES

The deductible amount, if applicable, will be stated in the declarations page. If more than one deductibleapplies to a loss at one or more locations, the total amount deducted will not exceed the highest deductibleshown in the declarations.

1. Available Deductible Options

A. $100 Flat all perils DeductibleB. $250 Flat all perils DeductibleC. $500 Flat all perils DeductibleD. $1,000 Flat all perils DeductibleE. $2,500 Flat all perils Deductible

2. The Available Deductible Options May Be Applied as:

A. One deductible applying to all property coverages, orB. One deductible applying to

Coverage A (Dwelling)Coverage B (Other Structures)Coverage C (Personal Property)Coverage D (Add’l Living Expense)another deductible applying to Coverages E (Barns, Buildings or Structures)and another deductible applying to Coverage F or G (Farm Personal Property)

If more that one deductible applies to an occurrence, in no event shall the total amount deducted exceed thehigher deductible amount.

DWELLING PROGRAM OPTIONS

1. General Dwelling Program

This program may be used when the dwelling meets the following requirements:

A. The dwelling is a primary owner-occupied, one and two family home, used for residentialpurposes.

B. The dwelling may be written on Basic Form 1, Broad Form 2 or Special Form 3.

C. Dwelling must have an updated electrical system with a central thermostatically controlledheating system.

D. The dwelling must be of good quality and condition and show pride of ownership andupdated to meet current use requirements.


2. Dwelling Blue Ribbon Program

This program may be used when the dwelling meets the following requirements:

A. The dwelling is a primary owner-occupied, one-family home used for residential purposes.

B. The dwelling has a minimum replacment cost of $80,000.

C. Special Form 3 with a minimum $250 deductible applies.

D. The amount of dwelling insurance written is 100% of replacement cost.

E. There are no solid fuel heating units in the dwelling, kerosene heaters, or space heaters. Acentral thermostatically controlled heating system and a 100 amp. electrical service is required

F. No solar, earth, log, modular or mobile homes.

G. A dwelling cost evaluation and photo of the dwelling must be submitted with the application.

H. The following additional coverages are included without a premium charge for dwellings meetingthe underwriting requirements stated for the farm Dwelling Blue Ribbon Program:

1. Coverage C Household Personal Property will be 70% of Coverage A.2. Replacement cost coverage on Personal Property will be included.3. An Inflation Guard Endorsement will apply.4. Water Damage (Sewers and Drains) coverage included for a maximum limit of $1,000.

Policy deductible applies.5. Home computer coverage included for a maximum limit of $1,000. Policy deductible

applies.

I. Dwelling constructed within last 35 years. Dwellings over 35 years are acceptable if modernizedwithin the last 20 years including heating, wiring, plumbing, roof, etc. The updates must beindicated on the application.

A 10% Premium Credit will be applied to Dwellings meeting the above underwriting criteria.

3. Mobilehomes

A. A policy may be issued to cover a mobilehome permanently situated at a fixed location. Todetermine premium for the mobilehome refer to the Mobilehome Premium Section of manual.

B. Dwelling may be written on Basic Form 1 and Broad Form 2 only.

C. Mobilehomes manufactured prior to 1980 are not acceptable, unless they meet the followingunderwriting guidelines:

1. 100 amp service including circuit breakers.2. Updated plumbing.3. Updated wiring.4. Must have a composition shingled hip roof.


D. Actual Cash Value Coverage will apply.

E. A photograph of the mobilehome is required.

SEE DWELLING RATE PAGES

SECTION I - OPTIONAL COVERAGES

1. Modified Replacement Cost

If dwelling is being written under the Modified Replacement Cost terms, it must be insured upto at least 60% of its replacement cost. Dwelling must be in good condition with a minimum of100 amp electrical service. A surcharge of 20% will apply to the Dwelling premium.

2. Replacement Cost Coverage for the Dwelling

This feature may be activated on dwellings in excellent condition and insured to at least 80% ofreplacement cost.

3. Guaranteed Replacement Cost

This feature increases the limit of liability for Coverage A at the time of loss to equal the actual repair orreplacement cost of the dwelling.

Coverages B and C are increased by the same percentage increase applied to Coverage A.However, this endorsement does not guarantee replacement cost protection for Coverages Band C if the amount of loss under these coverages exceeds the stated limits.

A. Eligibility Requirements. The dwelling must qualify for the dwelling Blue RibbonProgram. In addition:

1. An acceptable photo must be submitted when this coverage is requested, unlessthe underwriting file contains an up-to-date worksheet and a photo submittedwithin the past two years.

2. The policyholder must notify the company within 30 days of completion ofbuilding alterations which increase the replacement cost by 5% or more.

3. This endorsement is not available for:

a. Homes under construction; orb. Secondary or seasonal homes.

Rate - A Flat Fee of $10.00 Applies.

4. Coverage B - Related Private Structures on Premises

Increased Limit — $2.00 per $1000


5. Coverage C - Personal Property

Increased Limit — $2.00 per $1,000

6. Coverage D - Additional Living Expense/Loss of Rents

Increased Limit — $2.00 per $1,000

7. Inflation Guard

Inflation Guard Coverage may be written only on dwellings, and only on those that are totallymodern, in good physical condition, and insured 80% to value with a minimum coverage of$50,000. The Inflation Guard provides for variable annual inflation percentages. Coverage willbe increased every quarter.

8. Replacement Cost Coverage for Personal Property

Replacement Cost Coverage on household personal property may be provided by attaching thisfeature to Forms FO-2, FO-3 or FO-4. The deductible applicable to dwelling and personalproperty coverages must be at least $100.

Minimum Coverage C - $12000Premium Charge - $25.00 annual

9. Increased Special Limits on Certain Property

Some of the special limits applicable to certain classes of property may be increased by thefollowing:

A. Business Property on Insured PremisesMaximum Additional Limit $5000FO-65 First $2500 included $10.00 per $1000

B. Increased limit on Unscheduled Jewelry, Watches and Furs -Maximum Additional Limit $3000FO-65 First $2500 included $18.00 per $1000

C. Increased Limit on MoneyMaximum Additional Limit $1000FO-65 First $250 included $60.00 per $1000

D. Increased Limit on SecuritiesMaximum Additional Limit $1500FO-65 First $1500 included $40.00 per $1000

E. Increased Limit on Silverware, Goldware, and PewterwareMaximum Additional Limit $5000FO-65 First $2500 included $10.00 per $1000


F. Guns and Items related to GunsIncluded $2500Maximum - $4000 $20.00 per $1000

10. Incidental Property Coverages Higher Limits

A. Fire Department Service ChargeFirst $500 included $2.00 per $1000

B. Credit Card, Forgery, and Counterfeit MoneyFirst $1500 includedMaximum Limit $9000 $3.00 per $1000

C. Outdoor Antennas & Satellite ReceiversFirst $1500 included $50.00 per $1000

D. Well PumpsFirst $1500 included $5.00 per $1000

E. Private Power and Light PolesFirst $1500 included $5.00 per $1000

F. Refrigerated Food SpoilageFirst $500 includedMaximum Limit $2000 $10.00 per $1000

G. Tenant’s Improvements $4.00 per $1000

11. Water Damage (Sewers and Drains)

FO-208 $5000 Coverage Limit $8.00 per $1000

12. Earthquake FO-54

Forms 2 and 3 $0.40 per $1000Form 4 $0.20 per $1000

13. New Home Credit

A New Home Credit may be applied to the basic premium of dwellings insured for $40,000 or more.

Age % Credit1-5 15%6-10 10%11-15 5%Applicable on Form 2 and 3 only

14. Scheduled Personal Property - See Inland Marine Section of this manual.


FARM PROPERTY

1. FARM BARNS, BUILDINGS & STRUCTURES

A. Class A - Two story Barns, one story Barns with Loft, All property not described in Class B,C and D.

Note - if a Class A building is part of a continuous complex, all buildings in the complex aresubject to Class A rates.

B. Class B - Metal Silos, Metal Grain Bins without drying facilities, modern above groundmanure storage facilities.

C. Class C - One story masonry or metal clad structures and concrete silos.

D. Class D - Grain Drying Bins, Irrigation Equipment, Portable Buildings, Mobilehomes, Buildingswith one or more sides not enclosed and any special rated buildings.

2. FARM PERSONAL PROPERTY

A. This coverage may be written under Coverage F., Scheduled Farm Personal Property orCoverage G., Blanket Farm Personal Property.

B. Minimum Limit Required for Coverage G (Blanket) - $20,000.

C. The following items are excluded under the Farm Personal Property and must be listedfor coverage under Coverage E., Farm Barns, Buildings and Structures:

1. Fences2. Windmills, Windchargers or their Towers3. Bulk Milk Tanks4. Pipeline Milking Systems5. Bulk Feed Bins6. Bunk Feeders7. Barn Cleaners8. Silo Unloaders9. Irrigation Equipment10. Portable Buildings/Structures11. Any Permanent Fixture attached to or within a Building


3. RATES

A. Rates below are listed per $1,000. of coverage with a $250. Deductible.

Zone Zone Zone Zone Zone1 2 3 4 5

Farm Personal PropertyBlanket & ScheduledUp to $125,000. 4.38 5.04 5.34 5.91 6.79Over $125,000. 3.96 4.55 4.83 5.35 6.14

Farm Barns, Buildings & StructuresClass A 8.18 9.41 9.98 11.04 12.68Class B 4.29 4.93 5.23 5.79 6.65Class C 6.60 7.59 8.05 8.91 10.23Class D 9.90 11.39 12.08 13.37 15.35

B. Deductible Options

Multiply the above rates by the appropriate factor

Deductible Factor$ 100 1. 10$ 250 1. 00$ 500 .90$1000 .80$2500 .75

FARM PROPERTY OPTIONAL COVERAGES

1. Weight of Ice, Snow or Sleet

Coverage can be added for direct physical loss to property covered under Coverages E, F & Gcaused by the weight of ice, snow or sleet. This coverage cannot be bound on new or existingbusiness in the winter months. The property desired under this coverage must be described anda photo may be requested.

RATE PER $1,000. OF COVERAGE - $ .85

2. Farm Extra Expense

Coverage can be provided for the expenses incurred in order to resume or continue normal farmingoperations that were interrupted as the result of direct physical loss by a peril insured against toproperty covered under Coverage E, F or G.Note - Coverage up to $1,000. is automatically provided under Form GMF-10.

RATE PER $1,000. OF COVERAGE - $7.50


3. Loss of Farm Income

This endorsement is designed to provide coverage for loss of income due to the interruption of theinsured’s farm operation from a peril insured against. Indicate the amount of insurance per month andthe number of months desired. This coverage islimited to 3 months.


4. Peak Season

Coverage for Farm Personal Property can be increased for specific monthly periods. Provide thedescription of items covered, amount of insurance and period of term. Pro-rate the increased amountof coverage using the farm personal property rates.

5. Rented or Borrowed Equipment

Coverage for direct physical loss to farm machinery and equipment that is rented or borrowed fromothers is provided by the policy. There is automatically $25,000 coverage provided under FormGMF-10 with certain limitations.

6. Repair or Rebuilding Requirement

At the option of the company, loss to property covered under Coverage E will be settled for 50% ofthe adjusted loss prior to the actual repair or rebuilding of the damaged property. Additional paymentwill be made if the repair or rebuilding is completed within 12 months after the loss.

7. Property in Transit

Coverage for farm personal property in transit can be provided for all risks of direct physical loss,subject to certain exceptions. Coverage for such loss is limited to $5,000.

RATE - $15.00 PER POLICY

8. Replacement Cost Terms

The loss settlement provisions that apply to farm barns, buildings and structures covered underCoverage E can be converted from actual cash value coverage to replacement cost coverage.Buildings must meet the following criteria:

A. Buildings must be insured for 80% of their replacement cost.

B. Written verification of replacement cost must be submitted to underwriting prior to writingcoverage.

C. Building constructed in the last 20 years. Buildings over 20 years of age are acceptable if thestructure meets the following criteria:

1. Wiring updated within last 5 years.2. Roof must be of either steel or composition shingled, and must have been replaced

with the last 5 years.


3. Frame siding painted within last 5 years.

D. Buildings must be in full use as part of a full-time farming operation.

Note: Buildings included for this coverage will have values reviewed and updated annually.

RATE - $10.00 PER BUILDING

9. Falling Objects Coverage

Coverage can be provided by direct physical loss to property covered under Coverage E, F or Gcaused by falling objects. However, coverage does not include loss to:

A. The inside of a building or property contained in the building unless the roof or anoutside wall of the building is first damaged by a falling object;

B. Damage to the falling object itself; or

C. Outdoor equipment and fences.

Underwriting Requirements:

A. Pictures of the building(s) to be covered and surrounding area must be submitted tounderwriting prior to binding coverage.

B. Specified amounts must be stated for each building to be covered and an amount shownfor personal property to be covered in the insured building.


10. Farm Machinery - Direct Physical Loss - Scheduled Coverage

Coverage for farm machinery can be provided for all risks of direct physical loss, with certainexceptions. An 80% co-insurance requirement applies to all covered property. Equipmentused for custom farm work is not eligible. The deductible applicable to Coverage F or CoverageG also applies to this form.

RATE PER $1,000. OF COVERAGE - $12.00 Combines$ 8.00 Other Farm Machinery

11. Glass Breakage in Cabs

Coverage for glass breakage in cabs of covered farm machinery is provided for up to $500. Thiscoverage can be increased. The deductible does not apply to this coverage.



12. Tobacco in Storage

Coverage may be added for Tobacco in Storage (excluding theft). Provide the amount of insurancedesired and period of time.

RATE PER $1,000. FOR EACH 30 DAYS OF COVERAGE - $ .50

LIABILITY AND MEDICAL PAYMENTS

1. Optional Limits: Liability Medical Payment

$ 25,000 $ 500 50,000 1,000 100,000 2,000 300,000 5,000 500,000

2. Premiums:Med.Pay. Liability Limit (In Thousands)

Acreage Limit 25M 50M 100M 300M 500M0 - 400 500 112 125 140 185 225

1,000 115 128 143 188 2282,000 121 134 159 194 2345,000 129 142 157 202 242

401 - 1000 500 175 188 211 277 3381,000 178 191 214 280 3412,000 184 197 220 286 3475,000 192 205 238 294 355

Over 1000 500 288 301 337 443 5401,000 291 304 340 446 5432,000 297 310 346 452 5495,000 305 318 354 460 557

Under 40 Acres, 500 56 63 70 93 113Farming is not 1,000 58 64 72 94 114the principle 2,000 61 67 80 97 117occupation 5,000 65 71 79 101 121*Include all Acreage involved in the farm operation, owned or rented, to determine the proper premium

3. Optional Coverages

A. Additional Premises Occupied By Insured

1. Each Additional Farm Premises with Buildings Owned, Rented, or Operated,Charge:


Med. Pay Liability Limit (In Thousands)Limit 25 50 100 300 500$ 500 12 14 15 18 21 1,000 14 16 17 20 23 2,000 18 20 21 24 27 5,000 23 25 26 29 32

2. Each Additional Residence Premises Occupied by Insured, Charge:

Med Pay Liability Limit (In Thousands)Limit 25 50 100 300 500

$ 500 7 8 9 11 12 1,000 8 9 10 12 13 2,000 10 11 12 14 15 5,000 13 14 15 17 18

B. Additional Interests

1. Not Occupying a Residence on the Farm Premises

It is permissible to cover the insurable interest of co-owners, farm partner, farmcorporations, executors, administrators, trustees, or beneficiaries in the farmpremises and operations only, at no additional premium.

2. Occupying a Separate Residence on a Farm Premises

It is permissible to cover the insurable interest of co-owners or farm partners inthe farm premises and operations, as well as their personal liability. The CPLcharge for each additional partner or co-owner shall be made as follows:


$ 500 15 17 19 24 26 1,000 17 19 21 26 28 2,000 21 23 25 30 32 5,000 26 28 30 35 37

3. Additional Residence Premises Rented to Others


$ 500 8 9 10 13 151 Family 1,000 9 10 11 14 16

2,000 11 12 13 16 18 5,000 14 15 16 19 21


$ 500 11 12 13 17 192 Family 1,000 12 13 14 18 20

2,000 14 15 16 20 22 5,000 17 18 19 23 25

4. Custom Farming

Coverage automatically includes $5,000. in annual receipts for custom work otherthan pesticide/herbicide application.Underwriting approval required prior to writingor binding coverage over $5,000. The following are rates per $1,000 of annual receipts.


$ 500 12 13 14 16 18 1,000 13 14 15 17 19 2,000 15 16 17 19 21 5,000 18 19 20 22 24

5. Farm Employees Coverage

Coverage may be extended to provide liability and medical payments coveragefor injuries sustained by the Insured’s farm employee during the course of theiremployment. This coverage cannot be added for relatives of the named insuredliving at home.

Rates

Med.Pay Liability Limit (In Thousands)Classifications Limit 25 50 100 300 500

All full time employees working $ 500 25 27 30 39 47180 days or more per year 1,000 27 29 32 41 49...................................each 2,000 31 33 36 45 53

5,000 36 38 41 50 58

Part time farm employees $ 500 14 15 16 20 24working over 40 days, but 1,000 16 17 18 22 26less than 180 days per year 2,000 19 21 22 26 30each. . . 5,000 24 26 27 31 35

Part time farm employees $ 500 13 14 15 19 22working 40 days per year 1,000 15 16 17 21 24or less 2,000 19 20 21 25 28. . . . .per 100 man days. . 5,000 24 25 26 30 33


6. Horses

Horses shall be subject to the following charge per animal:


$ 500 9 10 11 12 13 1,000 10 11 12 13 14 2,000 12 13 14 15 16 5,000 15 16 17 18 19

7. Business Activities - Business Not Owned by the Insured

Coverage for liability arising out of an insured’s business activities, other thanactivities related to a business of which the insured is the sole owner or a partner,can be added.

Eligible business activities are classified as shown below. Make the appropriatepremium charge for each covered person.

Classifications:

a. Clerical Office EmployeesEngaged wholly in office work and having no other duty in or about theemployer’s premises.


$ 500 2 2 2 3 6 1,000 3 3 3 4 7 2,000 4 4 4 5 8 5,000 6 6 6 7 10

b. Salespersons, Collectors, or MessengersNo installation, demonstration, or service operations.


$ 500 2 2 2 3 6 1,000 3 3 3 4 7 2,000 4 4 4 5 8 5,000 6 6 6 7 10


c. Salespersons, Collectors, or MessengersIncluding installation, demonstration, or service operations.


$ 500 3 3 4 4 8 1,000 4 4 5 6 9 2,000 5 5 6 7 10 5,000 7 7 8 9 12

d. TeachersAthletic, laboratory, manual training, physical training, or swimminginstruction, excluding liability for corporal punishment of pupils.


$ 500 7 8 8 10 14 1,000 8 9 9 11 15 2,000 9 10 10 12 165,000 11 12 12 14 18

e. TeachersNot otherwise classified, excluding liability for corporal Punishment ofpupils.


$ 500 3 3 4 4 8 1,000 4 4 5 5 9 2,000 5 5 6 6 10 5,000 7 7 8 9 12

f. TeachersLiability for corporal punishment of pupils. The additional premium forthis classification must be added to the premium for classifications d.and e. above.


$ 500 10 11 12 15 25 1,000 11 12 13 16 26 2,000 12 13 14 17 27 5,000 14 15 16 19 29

Refer to the company for occupations not classified.


8. Office, Professional, Private School, or Studio Occupancy

Coverage for liability arising out of an incidental office, professional, private school, orstudio occupancy in the principle farm residence, a private structure on thepremises, or an additional residence premises can be added when:

- the premises are occupied principally for residential and/or farming purposes; and- there is no other business conducted on the premises.


$ 500 9 10 12 15 20 1,000 10 11 13 16 21 2,000 11 12 14 17 22 5,000 12 13 15 18 23

9. Care Provided for Others

Coverage can be added for liability arising out of the care provided for others asa business conducted on the premises. Eligible operations are limited to thosethat involve the care of no more than three persons.


$ 500 70 80 90 118 142 1,000 73 83 93 121 145 2,000 76 86 96 124 148 5,000 81 91 101 129 153

10. Snowmobile or Recreational Vehicles

Coverage can be added for liability arising out of the off-premises use ofsnowmobiles and recreational vehicles. Premiums shown are per unit


$ 500 28 29 31 37 43 1,000 30 31 33 39 45 2,000 32 33 35 41 47 5,000 38 39 41 47 53


$5000

$2000

$1000

$ 500

$5000

$2000

$1000

$ 500

$5000

$2000

$1000

$ 500

$5000

$2000

$1000

$ 500

$5000

$2000

$1000

$ 500

11. Personal Injury

Personal and farm personal liability coverage can be extended to include coveragefor personal injury. Personal injury means damages for which the insured isliable for offenses such as false arrest, libel, slander, and invasion of privacy ofanother.

Liability Limit (In Thousands)25 50 100 300 500$17 $18 $19 $23 $25

12. Watercraft

Coverage can be added for liability arising out of the use of certain types ofwatercraft.

Annual Premium Limits of Liability

Cov. L $25,000 $50,000 $100,000 $300,000 $500,000

Cov. MInboard and Inboard-OutdriveMotor Boats

Under 16 MPHLess than 26 feet 12 14 16 22 13 15 17 23 16 18 20 26 18 20 22 28 21 23 25 3126 to 40 feet 34 37 40 49 38 41 44 53 45 48 51 60 52 55 58 67 58 61 64 73

16- 30 MPHLess than 26 feet 23 26 29 38 26 29 32 41 31 34 37 46 36 39 42 51 41 44 47 5626 to 40 feet 54 60 66 84 59 65 71 89 70 76 82 100 80 86 92 110 91 97 103 121

Over 30 MPHLess than 26 feet 58 65 72 93 63 70 77 98 76 83 90 111 86 93 100 121 98 105 112 13326 to 40 feet 100 112 124 160 109 121 133 169 130 142 154 190 149 161 173 209 168 180 192 228

SailboatsNo Aux. Power26 to 40 feet 26 29 32 41 29 32 35 44 34 37 40 49 40 43 46 55 45 48 51 60

30 - farmowners · 9. farms which contain mines, quarries, rifle ranges, or areas used for...

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