COMMERCIAL AUTO - North Star Mutual Insurance Company · 2019-03-27 · Iowa New Business 05-01-19...

Iowa New Business 05-01-19 North Star Mutual Ins. Co. Renewals 05-01-19

COMMERCIAL AUTO

TABLE OF CONTENTS

ITEM CA PAGE Additional and Return Premium Changes .............................................................................................. 3 Antique Autos ......................................................................................................................................... 8 Application Procedure ............................................................................................................................ 1 Audio, Visual and Data Electronic Equipment – Added Limits .............................................................. 14 Auto Loan/Lease Gap Coverage ........................................................................................................... 22 Cancellation/Nonrenewal ....................................................................................................................... 4 Cargo Coverage ..................................................................................................................................... 17 Classifications ........................................................................................................................................ 6-7 Covered Auto Designation Symbols ...................................................................................................... 2 Deductible Insurance ............................................................................................................................. 18 Discounts................................................................................................................................................ 26-27 Drive Other Car Coverage ..................................................................................................................... 10 Farm Vehicles ........................................................................................................................................ 8 Financial Responsibility Laws - Certification .......................................................................................... 19 Funeral Directors .................................................................................................................................... 8 Haul for Hire ........................................................................................................................................... 17 Hired Autos............................................................................................................................................. 12-13 Increased Liability Limits ........................................................................................................................ 19 Individual as the Named Insured ........................................................................................................... 13 Individual Risk Premium Modification Plan ............................................................................................ 28 Insurance Score ..................................................................................................................................... 29-30 Introduction............................................................................................................................................. 1 Medical Payments .................................................................................................................................. 13 Mobile Equipment .................................................................................................................................. 9 Mobile Homes ........................................................................................................................................ 8 Non-Binding/Ineligible Vehicles ............................................................................................................. 31 Non-Ownership Liability ......................................................................................................................... 11 Physical Damage Coverage Rating Procedures ................................................................................... 20-21 Age Group Factors .......................................................................................................................... 20 Original Cost New Factors ............................................................................................................... 20 Policy Term ............................................................................................................................................ 3 Premium Development – Trucks, Tractors & Trailers ............................................................................ 5-6 Primary Classifications and Rating Factors Table ................................................................................. 32-33 Private Passenger Types ....................................................................................................................... 8 Rating Territories And Factors ............................................................................................................... 4 Rounding Procedure .............................................................................................................................. 3 Roadside Assistance Coverage ............................................................................................................. 8 Safe Driver Insurance Plan (SDIP) ........................................................................................................ 23-25 Secondary Classifications and Rating Factors Table ............................................................................ 33 Service/Utility Trailer (0-2,000 Pound Load Capacity) ........................................................................... 23 Special or Customized Equipment Coverage ........................................................................................ 22 Suspension ............................................................................................................................................ 22 Tapes, Records and Discs Coverage .................................................................................................... 14 Towing and Labor Costs Coverage (See Roadside Assistance Coverage) .......................................... 8 Trusts ..................................................................................................................................................... 30 Uninsured Motorists and Underinsured Motorists Coverage ................................................................. 15-16 TERRITORY DEFINITIONS................................................................................................................... T-1-4

Iowa New Business 05-01-19

North Star Mutual Ins. Co. NSCA - 1 Renewals 05-01-19

COMMERCIAL AUTO

INTRODUCTION

The ISO Business Auto policy will be used to provide Commercial Auto coverage. We will generally write this coverage only when we provide the customer’s Commercial Property and Liability insurance. The Commercial Auto program is designed to provide coverage for eligible Commercial Auto insureds whose radius of use is within 200 miles of the place of garaging and whose regular operation is within the seven states (Iowa, Minnesota, Nebraska, North Dakota, Oklahoma, South Dakota and Wisconsin) where North Star writes auto policies.

APPLICATION PROCEDURE

The Business Auto ACORD application shall be used to apply for coverage for vehicles of the Commercial type.

When an application is prepared it shall be sent to our office the same day if coverage is to begin immediately. The policy term begins at 12:01 A.M. at the address of the insured on the effective date; however, coverage will not begin prior to the time the application is prepared. If coverage is bound, do not hold the application pending receipt of additional information from the applicant. The application should be submitted with a notation indicating that additional information will follow.

Applications should be completed in detail. All applications must be signed by the applicant and the agent. List all drivers, including family members that will drive company vehicles, and employees who drive their own vehicles on company business. This includes all full-time and part-time operators. An updated drivers list will be requested periodically. When the policy covers private passenger type vehicles titled in the name of the business, and used for personal use, the names and dates of birth for all household members, including children not of driving age must be furnished on the application.

When an application is received and coverage is bound, a policy will be issued. If it is determined that the company underwriting requirements are not met, the policy will be mailed and a cancellation notice issued with a pro rata earned premium charged. Flat cancellations are not permitted.

If an agent wants to determine if an applicant is acceptable, he may submit a signed application, indicating COVERAGE NOT BOUND, and we will conduct our underwriting review. It is important to furnish complete information on the questionability of the applicant with the application. Upon completion of our review, we will advise if the applicant is acceptable. The application will be retained in our office.



COVERED AUTO DESIGNATION SYMBOLS

ISO’s Covered Auto Designation Symbols are used to indicate the autos that are covered autos in the policy. The available coverage symbols are as follows:

5 = OWNED AUTOS SUBJECT TO NO-FAULT – Only those autos the insured owns that are required to have No-Fault benefits in the state where they are licensed or principally garaged. This includes those autos the insured acquires ownership of after the policy begins provided they are required to have No-Fault benefits in the state where they are licensed or principally garaged.

6 = OWNED AUTOS SUBJECT TO A COMPULSORY UNINSURED MOTORIST LAW – Only those autos the insured owns that, because of the law in the state where they are licensed or principally garaged, are required to have, and cannot reject Uninsured Motorists Coverage. This includes those autos the insured acquires ownership of after the policy begins provided they are subject to the same state uninsured motorists requirement.

7 = SPECIFICALLY DESCRIBED AUTOS – Only those autos described in Item Three of the Declarations for which a premium charge is shown (and for Liability Coverage any trailers the insured does not own while attached to any power unit described in Item Three).

8 = HIRED AUTOS ONLY – Only those autos the insured leases, hires, rents, or borrows. This does not include any auto the insured leases, hires, rents, or borrows from any of the insured’s employees, partners, members or members of their households.

9 = NONOWNED AUTOS ONLY – Only those autos the insured does not own, lease, hire, rent, or borrow that are used in connection with the insured’s business. This includes autos owned by the insured’s employees, partners, members or members of their households but only while used in the insured’s business or personal affairs.

19 = MOBILE EQUIPMENT SUBJECT TO COMPULSORY OR FINANCIAL RESPONSIBILITY OR OTHER MOTOR VEHICLE INSURANCE LAWS – Only those autos that are land vehicles and that would qualify under the definition of mobile equipment under the policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged.



POLICY TERM

A. Policies will be written for a term of 1 year.

B. Policies will be renewed by renewal certificates. When renewal certificates are used, they must conform in every respect to current rules, rates and forms at the time of renewal.

C. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only a Declarations, new identification card(s), and forms that are new or revised. Policyholders may receive all policy forms upon request.

D. Several rates in this manual are based on rates established in the Personal Auto program. Where indicated, those rates should be multiplied by the following policy term factor:

Policy Term Factor

2.00

ROUNDING PROCEDURE

The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy.

A premium involving $0.50 or more shall be rounded to the next higher whole dollar.

This procedure shall apply to all interim premium adjustments, including endorsements or cancellations.

ADDITIONAL AND RETURN PREMIUM CHANGES

A. All changes requiring premium adjustments shall be computed pro rata.

B. North Star will waive additional premium of $5 or less. This waiver applies only to that portion of the premium due on the effective date of the policy change.

C. North Star will waive return premium of $5 or less if the insured requests the following:

1. Cancellation of any coverage or exposure;

2. Reduction of limits of liability; or

3. Increase in deductible.

Except that return premium shall be returned at the request of the insured.



CANCELLATION/NONRENEWAL

A. Company

The company has the option to cancel or nonrenew the policy in accordance with State Statutes and Policy Conditions by giving the required advance written notice. The unearned premium will be returned so as to be received by the insured by the cancellation effective date.

B. Insured’s Request

The policy may be cancelled by the Named Insured by:

1. Surrendering the policy with the latest copy of the declarations page to the company or any of its authorized agents; or

2. Mailing to the company written, signed notice stating on what date the cancellation shall be effective.

3. The unearned premium will be returned within 30 days after the cancellation request is received by the company.

Backdating of the effective date is not permitted.

C. Pro Rata Cancellation

All policies cancelled by the company or at the Named Insureds request shall be cancelled on a pro rata basis.

RATING TERRITORIES AND FACTORS

A. Territories are defined in terms of United States Postal Service (USPS) ZIP codes, as shown in the Territory

Definitions. As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this new

ZIP code is not yet listed in the Territory Definitions, use the ZIP code that formerly applied to the risk before

the ZIP code boundaries were changed.

B. Territory Factors

Coverage

Territory Bodily Injury

Property Damage

Medical Payments

Comprehensive / Specified Causes

Of Loss Collision

Uninsured / Underinsured

Motorists

31 1.00 1.00 1.00 1.00 1.00 1.00

32 2.52 2.52 2.47 1.16 2.00 1.00

33 1.62 1.62 1.67 0.80 1.35 1.00

34 1.60 1.60 1.53 0.87 1.35 1.00

35 2.35 2.35 2.33 0.97 1.65 1.00

36 1.60 1.60 1.73 0.86 1.30 1.00

37 1.45 1.45 1.47 0.82 1.40 1.00

38 2.30 2.30 2.27 0.80 1.80 1.00

39 2.35 2.35 2.33 0.97 1.70 1.00

40 2.35 2.35 2.33 0.97 1.70 1.00

41 1.84 1.84 1.80 1.30 1.40 1.00

42 1.56 1.56 1.53 1.13 1.60 1.00

43 1.22 1.22 1.20 1.00 1.25 1.00

44 1.00 1.00 1.00 1.00 1.00 1.00

45 1.00 1.00 1.00 1.00 1.00 1.00



PREMIUM DEVELOPMENT – TRUCKS, TRACTORS & TRAILERS

A. This rule applies to all trucks, tractors and trailers which regularly operate within a 200-mile radius from the street address of principal garaging. Refer to the Personal Auto Manual for rating private passenger type autos used for business and for individually owned cars, pickups and vans not used in business. Do not bind coverage on semi-tractors and trailers. They are eligible only when North Star provides insurance on the insured’s other farm vehicles or private passenger autos.

B. Determination Of Classification Rating Factor And Class Code

Determine the classification rating factor and class code as follows:

1. Determine the primary rating factor based on size class, business use class and radius class. 2. Determine the secondary rating factor based on whether the risk is classified as fleet or non-fleet and driver

record points. The secondary factor does not apply to Trailers, Semi-Trailers or Service/Utility Trailers. 3. Determine the combined rating factor by adding the secondary rating factor to or subtracting it from the

primary rating factor.

C. Territory Determination

Determine the applicable territory from the Territory Definitions based on the street address of principal garaging.

D. Premium Computation

1. Base Premiums

a. Liability Coverages (Bodily Injury Liability and Property Damage Liability)

(1) The trucks, tractors and trailers base premiums are: (a) 25,000/50,000 Bodily Injury = $98 (b) 25,000 Property Damage = $72

b. Physical Damage Coverages (Comprehensive and Collision)

(1) The trucks, tractors, and trailers base premiums are: (a) $100 Deductible Comprehensive = $173 (b) $250 Deductible Collision = $189 (c) Specified Causes Of Loss = $94

c. Medical Payments Coverage

(1) The trucks, tractors, and trailers base Medical Payments premium is: $2,000 Medical Payments = $14

d. Uninsured Motorists Insurance And Underinsured Motorists Insurance

(1) The trucks and tractors base premiums are: (a) 25,000/50,000 Uninsured Motorists = $14 (b) 25,000/50,000 Underinsured Motorists = $10



PREMIUM DEVELOPMENT – TRUCKS, TRACTORS & TRAILERS Continued

2. Premium Computation Table

Iowa Premium Computation Table (After each calculation, round to the nearest whole dollar

Calculation Step Liability Other than

Collision Collision

Med Pay

UM/UIM

Base Premium x x x x x

x Age Group Factor x x

x Original Cost New Factor x x

x Territory Factor x x x x x

x Physical Damage Coverage Deductible factor

x x

x Load dumping factor 1.25

x Med Pay Increased Limits Factor x

x UM/UIM Increased Limits Factor x

x Liability Increased Limit Factor x

x Primary/Secondary Combined Rating Factor x x x x

x Passive Restraints Discount Factor x

x Commercial Companion Policy discount factor

x x x x x

x Anti-Theft Discount x

x Insurance Score Factor x x x x x

x IRPM Factor x x x x

If a particular rating item is not applicable for a particular coverage or vehicle, go to the next step.

3. Stated Amount Rating

Refer to Physical Damage Coverage Rating Procedures.

CLASSIFICATIONS

Classify trucks, tractors and trailers for liability and physical damage coverages as follows:

A. Primary Classifications

1. Vehicle Weight

Gross vehicle weight (GVW) and gross combination weight (GCW) mean:

a. Gross Vehicle Weight

The maximum loaded weight for which a single auto is designed, as specified by the manufacturer.

b. Gross Combination Weight

The maximum loaded weight for a combination truck-tractor and semi-trailer or trailer for which the truck-tractor is designed, as specified by the manufacturer.

2. Size Class

a. Light Trucks

Trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. This includes all pickup trucks

b. Medium Trucks

Trucks that have a gross vehicle weight (GVW) of 10,001-20,000 pounds.

c. Heavy Trucks

Trucks that have a gross vehicle weight (GVW) of 20,001-45,000 pounds.



CLASSIFICATIONS Continued

d. Extra-Heavy Trucks

Trucks that have a gross vehicle weight (GVW) of over 45,000 pounds.

e. Semi-Tractors

A semi-tractor is a motorized auto without body for carrying commodities or materials, equipped with fifth wheel coupling device for semi-trailers. An extra-heavy semi-tractor has a gross combination weight (GCW) over 45,000 pounds.

f. Semi-trailers

A semi-trailer is a trailer equipped with a fifth wheel coupling device for use with a truck-tractor, with load capacity over 2,000 pounds. This includes bogies used to convert containers into semi-trailers.

g. Trailers

Any trailer with a load capacity over 2,000 pounds, other than a semi-trailer.

h. Service Or Utility Trailer

Any trailer or semi-trailer with a load capacity of 2,000 pounds or less.

3. Business Use Class

If a truck, tractor or trailer has more than one use, use the highest rated classification unless 80% of the use is in a lower rated activity. In that case, use the lower rated classification.

a. Service Use

Autos used for transporting the insured’s personnel, tools, equipment and incidental supplies to or from a job location. This classification is confined to autos principally parked at job locations for the majority of the working day or used to transport supervisory personnel between job locations.

b. Retail Use

Autos used to pick up property from or deliver property to individual households.

c. Commercial Use

Autos used for transporting property other than those autos defined as service or retail.

d. Farm Use

Autos used for farming or ranching.

e. Beet/Potato/Specialty Use

Autos used for hauling beets or potatoes or other specialty property types.

4. Radius Class

Determine radius on a straight line from the street address of principal garaging.

a. Local (Up to 50 miles)

The auto is not regularly operated beyond a radius of 50 miles from the street address where such auto is principally garaged.

b. Intermediate (51 to 200 miles)

The auto is operated beyond a radius of 50 miles but not regularly beyond a radius of 200 miles from the street address where such auto is principally garaged.

c. Long Distance (Over 200 miles)

The auto is operated regularly beyond a 200-mile radius from the street address where such auto is principally garaged. Vehicles in this classification are ineligible.

B. Secondary Classifications

Refer to Safe Driver Insurance Plan and Fleet Discount sections of this manual.



PRIVATE PASSENGER TYPES

A. Private passenger rating from the Personal Auto Manual applies. The underwriting requirements for these vehicles will be similar to the requirements for Personal Auto coverage. Private passenger vehicles titled in an individual’s name should be submitted on the ACORD Personal Auto Application and written on the Personal Auto Policy.

B. Multiply the rate developed in A. by the policy term factor for each coverage type.

FARM VEHICLES

A. Private passenger type autos, pickups and vans owned by an individual, spouses resident in the same household, or a family farm partnership or corporation and not used in any occupation other than farming or ranching are eligible. Refer to the Personal Auto Manual for rating.


ROADSIDE ASSISTANCE COVERAGE

A. Coverage may be provided for roadside assistance and trip interruption costs resulting from the disablement of a private passenger type vehicle as designated in the declarations..

This coverage is available to private passenger autos, recreational trailers, and motor homes only. Refer to Personal Auto Manual for rating.

B. Multiply the rate developed in A. by the policy term factor.

ANTIQUE AUTOS CA 99 28

A. For private passenger type automobiles, refer to the Personal Auto Manual for rules and rating. Use Stated Amount Insurance Endorsement CA 99 28 instead of PP 03 23.


FUNERAL DIRECTORS CA 20 18

A. Eligibility

1. This rule applies to autos owned or used by a funeral director.

2. The policy must exclude coverage for bodily injury or property damage which results from providing or failing to provide any professional service. Use Professional Services Not Covered Endorsement CA 20 18.

B. Premium Computation

1. Limousines - (Class Code 7910000)

a. For liability and medical payments coverages, multiply the trucks, tractors or trailers base premiums by 0.60.

b. For physical damage, multiply the trucks, trailers and semi-trailers base premiums by 0.55 for Comprehensive Coverage and by 0.50 for Collision Coverage.

2. Hearses And Flower Cars - (Class Code 7920000)

a. For liability and medical payments coverages, multiply the trucks, tractors or trailers base premiums by 0.55.

b. For physical damage, multiply the trucks, trailers and semi-trailers base premiums by 0.50 for Comprehensive Coverage and by 0.45 for Collision Coverage.

3. Combination Hearses and Ambulances are ineligible.

4. Autos Used For Other Purposes – refer to Home Office Commercial Auto Underwriter.

MOBILE HOMES CA 99 28

A. Motor homes and pickup trucks used only to transport camper bodies should be rated according to the Personal Auto Manual. Use Stated Amount Insurance Endorsement CA 99 28.


http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/CA%2099%2028%2010%2013.pdf





MOBILE EQUIPMENT

There are a few options available to insure mobile equipment. In order to avoid gaps in insurance coverage with respect to mobile equipment, listed below are insurance options depending on the insured’s needs.

A. Insuring Mobile Equipment Using Inland Marine

Generally, mobile equipment may be insured according to our Inland Marine Manual under the following circumstances:

1. The mobile equipment is not self-propelled or is self-propelled and is not subject to state compulsory or financial responsibility laws;

2. Liability for the transportation of the mobile equipment is covered under the Business Auto Coverage Form CA 00 01; and

3. Liability for the operation of the mobile equipment is covered under the insured’s Commercial General Liability policy.

Use the rates, rules and forms according to our Inland Marine Manual.

B. Insuring Mobile Equipment Using Commercial Auto

1. Business Auto Coverage Form CA 00 01

Mobile equipment may need to be insured under the Business Auto Coverage Form CA 00 01 if the mobile equipment is subject to state compulsory or financial responsibility laws.

a. Liability and Medical Payments Coverage

Refer to Home Office Underwriter for eligibility and rating.

b. Physical Damage Coverages

The premium for such mobile equipment is determined on a stated amount basis.

2. Mobile Equipment Endorsement CA 20 15

a. Application

Mobile equipment may be insured using the Mobile Equipment Endorsement CA 20 15 under the following circumstances:

(1) The mobile equipment is not subject to state compulsory or financial responsibility laws;

(2) The mobile equipment is not covered under the Business Auto Coverage Form CA 00 01; and

(3) Liability for the operation of the mobile equipment is not covered under the insured’s Commercial General Liability policy.

b. Premium Determination

(1) Liability and Medical Payments Coverages

Refer to Home Office Underwriter for eligibility and rating.

(2) Physical Damage Coverages

The premium for such mobile equipment is determined on a stated amount basis.





DRIVE OTHER CAR COVERAGE CA 99 10

A. Provides coverage to specifically named individuals (and their spouses) who do not own an auto but require coverage while they are using a non-owned private passenger type auto for their own personal use.

B. Drive other car coverage may not be necessary if the individual insures a private passenger automobile on a Personal Auto Policy. Endorse a policy covering an individually owned auto that is used in the business with the appropriate Named Individual Insured Endorsement.

C. The limits and deductibles for this coverage must follow the policy limits and deductibles.

D. Premium Development - (Code 9020000)

1. Base Rates

Coverage for a named individual may be written at the following rates:

Premium Per Coverage Limits (000’s) Named Individual

Bodily Injury Liability 25/50 $26 Property Damage Liability 25 12 Comprehensive $100 Deductible 10 Collision $250 Deductible 22 Uninsured Motorist 25/50 60% of the basic truck rate Underinsured Motorist 25/50 60% of the basic truck rate Medical Payments Amount Selected 100% of the basic truck rate

Apply the Commercial Companion Policy Discount and Insurance Score Factor.

2. Increased Limits And Optional Deductibles

a. Bodily Injury And Property Damage Increased Limits

Refer to Increased Liability Limits section for factors.

b. Comprehensive/Collision Deductibles

Refer to Deductible Insurance section for factors.

c. Uninsured And Underinsured Motorists Increased Limits

For higher UM/UIM limits use 60% of the basic truck rate at the higher limit rate.




NON-OWNERSHIP LIABILITY

A. Coverage for Non-Ownership Liability may be added for autos not owned, leased, hired, rented, or borrowed which are used in connection with the insured’s business.

B. If more than 50% of the insured’s employees regularly operate their autos in the insured’s business, refer to the Home Office Commercial Auto Underwriter for eligibility and rating.

C. Premium Development

For all risks other than social service agency risks defined as public transportation:

1. Determine the total number of employees of the insured at all locations and select the advance premium from the table below:

BODILY INJURY PROPERTY DAMAGE Limit 25,000/50,000 25,000

No. of Employees 0-25 26.00 14.00 26-100 58.00 24.00 101-500 160.00 94.00

For increased limits, multiply base rates by Increased Liability Limits factors.

2. Apply Commercial Companion Policy Discount and IRPM.

D. For partnership as the named insured:

When non-ownership liability coverage is provided, the coverage form provides coverage to a partnership for the use of autos owned by individual partners which are used in the business of the partnership.

Multiply the truck rates by 10% for each active or inactive partner for the territory in which the partnership is located. Apply this rating base regardless of the type of autos being used. Add this amount to the premium developed above.

E. Non-ownership ineligible risks include:

1. Clubs;

2. Prepared food house-to-house delivery;

3. Taverns;

4. Social Service Agencies; and

5. Garages.

F. To extend non-ownership liability coverage to cover the individual liability of employees while using their autos in the employer’s business, compute the additional premium by multiplying the premium determined in accordance with preceding Paragraph C., by 25%. Use Employees As Insureds Endorsement CA 99 33.

G. Earned Premium

Unless there is a substantial change in exposures during the policy period, the advance premium is the earned premium.




HIRED AUTOS CA 20 01, CA 20 54, CA 99 47

A. Specified Auto Basis

1. If an insured lessee or renter is providing the primary insurance covering the auto and the term of the lease or agreement is:

a. For 6 months or more:

(1) Rate as though owned by the insured lessee or renter; and

(2) If the policy is extended to cover the owner of the auto as an additional insured, multiply the otherwise applicable liability rate by 1.04. Use Lessor – Additional Insured And Loss Payee CA 20 01.

b. For less than 6 months:

Refer to the Home Office Commercial Auto Underwriter.

2. If the owner of the auto is providing the primary insurance, rate according to Paragraph B. below.

3. If the lessor is an employee of the insured, use Employee As Lessor Endorsement CA 99 47.

4. If an employee rents or hires an auto in his or her own name for the purposes of performing duties related to the insured’s business, use Employee Hired Autos Endorsement CA 20 54.

B. Cost Of Hire Basis – Liability And Physical Damage Coverages

1. Cost of hire means the total amount incurred by the insured for the leasing and hiring of autos that the insured does not own. Cost of hire does not include charges incurred for:

a. Autos that are leased, hired, rented or borrowed from any of the insured’s employees, partners, members (if the insured is a limited liability company) or members of their households; or

b. Services performed by motor carriers of property or passengers.

2. Liability – Premium Computation

a. Estimate the total annual cost for the hire of autos for each state where the insured is expected to hire autos. (Vehicles leased, hired, rented or borrowed with drivers are ineligible).

b. To compute the advance premium, multiply the cost of hire rate in the rate table below times each $100 cost of hire in each state. Add the total cost of hire premium for all states.

Rate Per Each $100 Annual Cost Of Hire

Bodily Injury Liability 25/50 Limit $0.70 Property Damage Liability 25,000 Limit 0.50

Apply the Commercial Companion Policy Discount and Insurance Score factor

c. Unless there is substantial change in exposures during the policy period, the advance premium is the earned premium.

d. To determine the premium for limits above the state minimum financial responsibility limits, multiply the premium by the appropriate factor shown in the Increased Liability Limits section.






HIRED AUTOS Continued CA 20 01, CA 20 54, CA 99 47

3. Physical Damage – Premium Computation

Physical Damage coverage may be provided for autos which are leased, hired, rented or borrowed while being operated by or in the custody of the insured, but does not apply to autos which are leased, hired, rented or borrowed with drivers or from any of the insured’s employees, partners, members (if the insured is a limited liability company) or members of their households.

Use Employee Hired Autos Endorsement CA 20 54 for coverage if an employee rents or hires a vehicle in his or her own name for the purposes of performing duties related to the insured’s business.

a. Estimate the total cost for the hire of autos for each state where the insured is expected to hire autos. Do not include charges for any auto that is leased, hired, rented or borrowed with a driver or from any of the insured’s employees, partners, members (if the insured is a limited liability company) or members of their households.

b. To compute the advance premium for each state where the insured does business, multiply each $100 estimated annual cost of hire by the rates shown in the table below for each coverage. Add the total cost of hire premium for all states.

Rate Per Each $100 Comprehensive Annual Cost Of Hire

$ 100 Deductible $0.78 250 Deductible 0.66 500 Deductible 0.54 1,000 Deductible 0.42 1,500 Deductible 0.34 2,000 Deductible 0.30 2,500 Deductible 0.28

Collision

$ 250 Deductible $1.22 500 Deductible 1.14 1,000 Deductible 0.98 1,500 Deductible 0.90 2,000 Deductible 0.84 2,500 Deductible 0.80

Apply the Commercial Companion Policy Discount and Insurance Score factor.

c. Unless there is substantial change in exposures during the policy period, the advance premium is the earned premium.

INDIVIDUAL AS THE NAMED INSURED CA 99 17

A policy issued to an individual named insured may be endorsed with the Individual As Named Insured Endorsement.

Family drive other car coverage may be provided at no additional charge if the policy covers:

A. A private passenger auto not used for public transportation or rented to others without a driver.

B. A pickup, panel truck or van that is not used in the business of the insured other than for farming or ranching.

MEDICAL PAYMENTS CA 99 03

The base premium for trucks, tractors, trailers is shown in Premium Development – Trucks, Tractors & Trailers. For increased limits, use the following limit factors:

Limit Factor 2,000 1.00 5,000 1.48 10,000 1.71 25,000 2.32








AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT – ADDED LIMITS CA 99 60

A. For vehicles written on an actual cash value basis, a $1,000 sub-limit for physical damage coverage is provided to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time of loss, is:

1. Permanently installed in or upon the covered auto in a housing, opening or other location that is not normally used by the auto manufacturer for the installation of such equipment;

2. Removable from a permanently installed housing unit or is an integral part of that equipment; or

3. An integral part of such equipment.

Such equipment does not include equipment designed or used for detection or location of radar. Coverage is not available for radar detection equipment.

This $1,000 limit may be increased. Form CA 99 60 is not applicable to vehicles written on a stated amount basis, as the sub-limit does not apply to such vehicles.

B. Premium Development

1. Determine the amount of additional coverage needed for covered equipment above the included $1,000.

2. Select the premium from the table below independently for each covered auto:

Added Limits For Audio, Visual And Data Electronic Equipment Premium

$ 500 $ 70 1,000 100 1,500 130 2,000 160 2,500 190 3,000 220 3,500 250 4,000 280 Over 4,000 Refer to Company

Apply the Commercial Companion Policy Discount.

TAPES, RECORDS AND DISCS COVERAGE CA 99 30

A. Provides comprehensive coverage for $200 worth of tapes, records, discs and other similar devices used with permanently installed audio, visual or data electronic equipment.

B. Charge $16 per auto.





UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE CA 21 12, CA 21 02, CA 21 51

A. Application

Uninsured and Underinsured Motorists Coverage must be provided at limits not less than the minimum financial responsibility limits required by Iowa for bodily injury liability unless rejected by the named insured(s) in writing. Use Iowa Uninsured and Underinsured Motorists Coverage Endorsement CA 21 12. For split limits use Split Bodily Injury Uninsured Motorists Coverage Limits Endorsement CA 21 02 and Split Bodily Injury Underinsured Motorists Coverage Limits Endorsement CA 21 51; however, property damage is not provided by Uninsured and Underinsured Motorists Coverage in Iowa. The Iowa Insurance Division requires that we advise the applicant that UM/UIM coverage does not cover vehicle damage. Use Iowa Auto Supplement ACORD 62 IA.

1. The named insured has the right to reject either uninsured motorist coverage or underinsured motorist coverage or both by signed, written rejection. If the named insured is an individual, such rejection of coverage must be completed by all named insureds. Use Iowa Auto Supplement ACORD 61 IA.

2. North Star does not have to provide Uninsured nor Underinsured Motorists Coverage on renewal policies when the named insured has previously rejected the coverage on the policy issued by North Star.

3. If the named insured elects Uninsured and Underinsured Motorists Coverages, the coverages must be the same limits and must apply to all autos registered or principally garaged in Iowa under the policy.

B. Limits

1. Base Limits are 25/50.

2. Increased Limits

a. The insured must be offered limits equal to but not greater than the Bodily Injury Liability limits carried.

b. The insured may choose lower limits, but not less than the base limits shown above.

c. A Combined Single Limit (CSL) coverage is available. If CSL UM/UIM coverage is provided, Liability coverage must also be provided on a CSL basis.






UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE CA 21 12, CA 21 02, CA 21 51 Continued

C. Premium Development

1. Private Passenger Type Vehicles

Split Limits – Basic and Increased Limits Uninsured and Underinsured Motorists Coverage

1) Refer to the Personal Auto Manual for rating private passenger type autos.

2) Multiply the rate developed in 1) by the policy term factor.

2. Other Than Private Passenger Types and Garage Risks.

a. The base premiums are shown in Premium Development – Trucks, Tractors & Trailers.

b. Apply the appropriate limit factor from the table below:

Factors Limit

(000’s) Uninsured Motorists

Underinsured Motorists

25/50 1.00 1.00 50/100 1.15 1.20 100/300 1.30 1.60 300/300 1.43 1.80 250/500 1.60 2.00 500/500 1.70 3.00

c. The premiums are not subject to modification under the provisions of any rating plan except for the Commercial Companion Policy Discount and Insurance Score.

d. Do not charge a premium for the following:

1) Trailers; 2) Hired & non-owned autos; or 3) Owned vehicles which have not been assigned registration plates (such as Auto Dealers’

Inventory).

3. Combined Single Limit Uninsured and Underinsured Motorists Coverage

a. For private passenger type autos:

1) Refer to the Personal Auto Manual for UM & UIM base rates.

2) Multiply the rate from 1) by the Private Passenger Factor for UM or UIM, as applicable.

b. For Other Than Private Passenger Types:

1) The base premiums are shown in Premium Development – Trucks, Tractors & Trailers.

2) Multiply the rate from 1) by the Truck-Tractor Factor for UM or UIM, as applicable.

UM CSL Factor UIM CSL Factor

CSL Limit

(000’s)

Private Passenger

Factor

Truck-Tractor Factor

CSL Limit

(000’s)

Private Passenger

Factor

Truck-Tractor Factor

100 1.08 1.12 100 1.08 1.17

300 1.40 1.39 300 1.40 1.76

500 2.06 1.66 500 1.84 2.93

750 2.34 1.89 750 2.10 3.33

1,000 2.38 1.92 1,000 2.14 3.39






HAUL FOR HIRE – LIMITED BASIS CA 23 30

A. Eligibility

Coverage is available on a limited basis for hauling of others’ farm commodities while using the insured’s own truck and trailer that is normally used to haul the insured’s own farm commodities. Trailer interchange coverage is not available.

1. Annual gross receipts for hauling must be $10,000 or less;

2. No hauling of others’ property that requires refrigeration;

3. Refer to the Non-Binding/Ineligible Vehicles rule of this manual for a list of ineligible vehicles; and

4. Intrastate hauling within 150 mile radius only. No hauling outside of the primary state of operation.

B. Premium Development

Subject to minimum gross receipts of $1,000, multiply the estimated annual gross receipts amount by the following rates per $1,000 of estimated gross receipts. The limits follow the policy limits.

1. Liability Coverage

a. 25,000/50,000 Bodily Injury = $3 b. 25,000 Property Damage = $2

2. Auto Medical Payments

2,000 Medical Payments = $1

Apply the Increased Limit Factor, Commercial Companion Policy Discount, Insurance Score Factor and IRPM.

C. Premium Auditing

In accordance with policy provisions, we may request an audit of actual annual receipts.

CARGO COVERAGE CF-2190

A. Eligibility

Named perils coverage is available for owned and/or non-owned cargo in transit while in or on a covered auto. A base $250 deductible applies to cargo coverage.

1. Acceptable types of cargo: Farm commodities

2. Hauling radius: 150 miles

3. A limit of up to $15,000 is available. Contact underwriting if a higher limit is needed.

B. Premium Determination

1. Base $250 Deductible Rate

Multiply the cargo coverage limit by the appropriate rate per $1,000 of cargo coverage.

Coverage A – Owned Cargo = $22

Coverage B – Non-Owned Cargo = $22

Coverage C – Owned & Non-Owned Cargo = $29

2. For higher deductibles, multiply the base $250 deductible rate by the Physical Damage Coverage deductible factor for Collision.

Apply the Commercial Companion Policy Discount, Insurance Score Factor and IRPM.

https://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CA%2023%2030%2010%2013.pdf

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2190%2005-19.pdf



DEDUCTIBLE INSURANCE

A. Liability Coverage

Deductible Liability Insurance is not available for vehicles classified and rated according to the rules of this manual.

B. Physical Damage Coverages

For deductibles for which no premium is shown, compute the premium by multiplying the base deductible rate by the appropriate factor in the following table:

Deductible Comprehensive Factors Collision Factors

$ 100 1.00 1.05 250 0.90 1.00 500 0.80 0.95 1,000 0.70 0.85 1,500 0.60 0.75 2,000 0.55 0.70 2,500 0.50 0.65

C. Specified Causes of Loss Perils include:

1. Fire, lightning or explosion; 2. Theft; 3. Windstorm, hail, or earthquake; 4. Flood; 5. Mischief or vandalism; or 6. The sinking, burning, collision or derailment of any conveyance transporting the covered auto.

D. Common Loss Deductible CF-2162

In the event that a covered loss occurs as a result of one occurrence to property covered under more than one policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the number of covered property items damaged or destroyed.

The applicable North Star Mutual policies to which this provision applies are:

1. Homeowners; 2. Farmowners; 3. Personal Automobile; 4. Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as

“Farm Use”); 5. Mobile-Homeowners; and 6. Inland Marine.

This provision will not apply:

1. to property rented to others for a fee when that property is insured on a separate policy than the insured’s owner-occupied property;

2. if the total loss is less than the highest deductible; or 3. if it is in the insured’s benefit that separate deductibles be applied.

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2162%2004-17.pdf



FINANCIAL RESPONSIBILITY LAWS – CERTIFICATION

A. Financial Responsibility Filings required by the various states normally will not be made by North Star since, in most cases, a person requiring such a filing will not be eligible for coverage.

B. The state requires the filing of a Financial Responsibility Certificate (SR-22) when the auto insurance policy serves as the required evidence of financial responsibility following conviction on traffic code violations or upon failure to satisfy judgment arising out of a motor vehicle accident.

C. Certificates can be issued only by the North Star Home Office, and then only if complete information concerning the reason for the filing is submitted by the agent. The request for the certificate must clearly identify the person for whom the company will be making the filing. A Financial Responsibility Certificate will not be issued unless all autos owned by the applicant are insured by North Star.

D. One (SDIP) Safe Driving Record Point shall be applied if a filing is made.

INCREASED LIABILITY LIMITS

Liability Coverages will be written on a split limit basis. The base limit for Bodily Injury Liability is 25,000/50,000. The base limit for Property Damage Liability is 25,000. For higher limits, multiply the base rates by the factors shown in the table below.

Split Liability Limits

BI Limits (000’s) Factor PD Limits Factor

25/50 1.00 25,000 1.00 50/100 1.20 50,000 1.03 100/300 1.43 100,000 1.07 300/300 1.52 **250,000 1.15 250/500 1.57 **500,000 1.21 **500/500 1.69

** Do Not Bind Coverage. Refer to the Home Office for eligibility.

Combined Single Limit Coverage is available. To calculate the rate:

a. For private passenger type autos:

1) Refer to the Personal Auto Manual for BI & PD base rates; 2) Multiply the individual base rates by the applicable CSL limit factor from the table below. 3) Add the results from 2) to arrive at the CSL Increased Limit rate.

b. For Other Than Private Passenger Types:

1) The base premiums are shown in Premium Development – Trucks, Tractors & Trailers. 2) Multiply the individual base rates by the applicable CSL limit factor from the table below. 3) Add the results from 2) to arrive at the CSL Increased Limit rate.

BI/PD CSL Factor

BI/PD CSL Limit Private Passenger Factor Truck-Tractor Factor BI PD BI PD

100,000 1.170 1.004 1.170 1.004 300,000 1.394 1.043 1.394 1.043 500,000 1.531 1.121 1.482 1.121 750,000 1.804 1.121 1.648 1.121

1,000,000 1.804 1.180 1.648 1.180



PHYSICAL DAMAGE COVERAGE RATING PROCEDURES

A. Private Passenger Vehicles

1. Refer to the Personal Auto Manual.

2. Multiply the rates developed in 1. above by the policy term factor.

B. Commercial Rated Vehicles

Physical damage coverages are provided on an actual cash value or stated amount basis.

1. Actual Cash Value Premiums

a. Actual Cash Value

Actual cash value premiums are based on original cost new and age group of the vehicle.

b. Original Cost New

(1) Original cost new is the retail cost the original purchaser paid for the auto and its equipment. This includes the value of any trade-in auto and any federal, state and local sales taxes or any other taxes charged in place of sales taxes.

(2) If the original cost new is not known, multiply the original cost new of the chassis by a factor of 1.33.

(3) Original Cost New Factors

Category Price Range Comprehensive /

Specified Causes Of Loss Collision 1-OCN $ 0 - 4,500 0.40 0.46 2-OCN 4,501 - 6,000 0.50 0.56 3-OCN 6,001 - 8,000 0.60 0.66 4-OCN 8,001 - 10,000 0.70 0.76 5-OCN 10,001 - 15,000 0.90 0.96 6-OCN 15,001 - 20,000 1.00 1.00 7-OCN 20,001 - 25,000 1.10 1.27 8-OCN 25,001 - 40,000 1.35 1.35 9-OCN 40,001 - 65,000 1.45 1.80

10-OCN 65,001 - 90,000 1.73 2.50 11-OCN 90,001 - 150,000 1.95 4.29

c. Age Group

(1) Determine the age group as follows: Age Group and Code Autos

1 Current model year 2 1st Preceding Model Year 3 2nd Preceding Model Year 4 3rd Preceding Model Year 5 4th Preceding Model Year 6 5th Preceding Model Year 7 6th Preceding Model Year 8 7th Preceding Model Year 9 8th Preceding Model Year 10 9th Preceding Model Year 11 10th Preceding Model Year 12 11th Preceding Model Year or More (2) The current model year changes October 1, regardless of the actual date the models are

introduced. (3) For rebuilt or structurally altered autos, the age of the chassis determines the age of the auto.



PHYSICAL DAMAGE COVERAGE RATING PROCEDURES Continued

(4) Age Group Factors

Age Group Comprehensive /

Specified Causes Of Loss Collision 1 1.00 1.00 2 1.00 1.00 3 1.00 1.00 4 0.95 0.85 5 0.90 0.80 6 0.80 0.70 7 0.80 0.70 8 0.76 0.66 9 0.72 0.62 10 0.68 0.58 11 0.64 0.55 12 0.60 0.52

d. Premium Development

Refer to Paragraph D.2. of the Premium Development – Trucks, Tractors & Trailers section for development of physical damage premiums.

2. Stated Amount Basis CA 99 28

For those autos which may be written on a stated amount basis, determine the premium as follows:

a. Determine the stated amount rate for the desired physical damage coverage as follows:

(1) Determine the actual cash value base premium for $15,001 – 20,000 Age Group 1 using the trucks, tractors and trailers premiums.

(2) Multiply the actual cash value base premium by the applicable physical damage coverage factor below:

Stated Amount – Comprehensive & Specified Vehicle Value Range Causes Of Loss Collision

$ 1 - 10,000 .009 .009 10,001 - 15,000 .007 .007 15,001 - 20,000 .006 .006 20,001 - 25,000 .005 .005 25,001 - 40,000 .004 .004 40,001 - 65,000 .003 .004 65,001 - 90,000 .002 .003 Over 90,000 .002 .003

b. Multiply the result of Paragraph B.2.a. by the actual stated amount of insurance per $100.

c. Apply the Primary and Secondary Rating Factors.

d. Apply the Commercial Companion Policy Discount and Insurance Score factor.

3. Service/Utility Trailer (0-2000 Lb. Load Capacity)

Refer to Service/Utility Trailer (0-2000 Lb. Load Capacity) section.

4. Physical Damage Coverage On Vehicles Ten Years Old Or Older

Physical damage coverage on vehicles 10 through 14 years of age may be written with the following minimum deductibles:

Comprehensive $250 Collision $500

Do not bind coverage on vehicles 15 years old or older. Additional consideration may be secured from the Home Office Commercial Auto Underwriter. A photograph may be required.




SUSPENSION CA 02 40

A. This rule does not apply to the following types of risks:

1. Risks for which a certificate has been filed in accordance with a financial responsibility law.

2. Risks subject to the requirements of any state or federal authority regulating motor carriers of passengers or property.

3. Any other risks subject to compulsory insurance laws.

B. Insurance may be suspended only for liability, medical payments, uninsured/underinsured motorists and collision coverages and for periods of at least 30 days. Use Suspension Of Insurance Endorsement CA 02 40.

C. Suspension becomes effective on the date requested by the insured or the date the company or any of its authorized representatives receives the request.

D. Prorate the return premium for the period of suspension.

E. If the insured requests, reinstate the policy. Reinstatement must become effective on the day the company or any of its authorized agents receives the insured’s request.

F. If the insurance for all owned autos has been suspended, other coverages may continue where there is a separate premium such as non-ownership liability, hired autos on a cost of hire basis and drive other car coverage.

AUTO LOAN/LEASE GAP COVERAGE CA 20 71

A. This rule applies to autos that are loaned or leased for a period of six months or longer and which have been provided Physical Damage Coverage.

B. A policy providing Physical Damage Coverage may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle and the actual cash value of the vehicle. Use Auto Loan/Lease GAP Coverage Endorsement CA 20 71.

C. The premium for Auto/Loan Lease GAP Coverage is computed by multiplying the Physical Damage Coverage premiums by a factor of 0.07.

SPECIAL OR CUSTOMIZED EQUIPMENT COVERAGE CA 99 28

Comprehensive and collision coverage for Special or Customized Equipment may be purchased on a stated amount basis for special or customized equipment on a pickup, van or other vehicle insured for physical damage coverage.

We will consider the following as normal standard equipment on a pickup or van which will not require an additional premium: Pickup topper with list price new up to $1,000; fog lights; running boards; clearance lights; visor; bug deflector; bed liner; and built in tool boxes with an aggregate list price new for all tool boxes of $500 or less.

Other special equipment such as, but not limited to, the following will need to be insured as special equipment and rated for using the following rates. Load lifting tail gate; topper over $1,000 list price new; tool boxes with an aggregate of all boxes over $500 on the vehicle; or other equipment.

Stated Amount Rate Per $100

Comprehensive Collision

$ 100 Deductible $1.06 $ 250 Deductible $1.14 250 Deductible 0.82 500 Deductible 0.90 500 Deductible 0.70 1,000 Deductible 0.66 1,000 Deductible 0.54 1,500 Deductible 0.58 1,500 Deductible 0.46 2,000 Deductible 0.52 2,000 Deductible 0.40 2,500 Deductible 0.48 2,500 Deductible 0.36

The Stated Amount must be 100% of the current value.

Apply the Commercial Companion Policy Discount and Insurance Score factor.






SERVICE/UTILITY TRAILER (0-2,000 Pound Load Capacity) CA 99 28

A. Liability

Liability coverage will be extended without charge to a Service/Utility Trailer (0-2,000 lb. load capacity) while connected to a covered private passenger auto, pickup, or van while it is not used as a residence or premises.

B. Physical Damage

Comprehensive and collision coverage may be provided on a Stated Amount basis. The Stated Amount must be 100% of the Actual Cash Value.

Stated Amount Rate Per $100

Comprehensive Collision

$ 100 Deductible $1.20 $ 250 Deductible $1.10 250 Deductible 1.10 500 Deductible 0.90 500 Deductible 0.90 1,000 Deductible 0.78 1,000 Deductible 0.78 1,500 Deductible 0.70 1,500 Deductible 0.70 2,000 Deductible 0.64 2,000 Deductible 0.64 2,500 Deductible 0.60 2,500 Deductible 0.60

C. Apply the Commercial Companion Policy Discount and Insurance Score factor.

SAFE DRIVER INSURANCE PLAN (SDIP)

A. Definitions

1. Driving Record Points

a. Convictions

Points shall be assigned for convictions during the experience period for motor vehicle violations of the applicant or any operator as follows:

(1) One-half point for conviction of any moving traffic violation by any driver under the age of 30 that is not assigned under one of the following paragraphs. (This is limited to the first two convictions during the experience period.)

(2) One point is assigned for the conviction of any other moving traffic violation resulting in:

(a) suspension or revocation of an operator’s license; or (b) the filing of evidence of financial responsibility under any Financial Responsibility Law required

as of the effective date of this policy. (c) the third and successive convictions not qualifying under paragraphs (1) and (4) of this section

by a driver under age 30.

(3) Two points are assigned for:

(a) the accumulation of points under a State Point System or a series of convictions requiring the filing of evidence of Financial Responsibility under any Financial Responsibility Law as of the effective date of this policy; or

(b) conviction of reckless driving.

(4) Three points are assigned for conviction of:

(a) driving while intoxicated or under the influence of drugs; or (b) failure to stop and report when involved in an accident; or (c) homicide or assault arising out of the operation of a motor vehicle; or (d) driving while license is suspended or revoked; or (e) driving a motor vehicle at an excessive rate of speed and/or in a reckless manner where an

injury to person or damage to property results.




SAFE DRIVER INSURANCE PLAN (SDIP) Continued

(5) Minor Traffic Violations Exception

The first two speeding citations within a 12-month period for not more than 10 miles per hour in excess of legal speed zones that are equal to or greater than 35 miles per hour and not greater than 55 miles per hour shall not be counted as moving violations.

b. Accidents

Points shall be assigned for each accident that occurred during the experience period, involving the insured or operator of the vehicle, who is 50% or more at fault.

(1) One-half point is assigned for each auto accident that results in total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of less than $2,000 for occurrences prior to 05-01-2017 or less than $2,500 for occurrences on or after 05-01-2017.

(2) One point is assigned for each auto accident that results in:

(a) total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of $2,000 or more for occurrences prior to 05-01-2017 or $2,500 or more for occurrences on or after 05-01-2017; or

(b) a loss experienced under the Comprehensive Coverage portion of the policy under the following conditions:

(i) A vehicle falling through the ice of any body of water; or

(ii) An at fault accident in which the loss would normally be paid under Collision Coverage, but glass breakage is paid under the Comprehensive Coverage.

(3) One point is assigned if, during the experience period there were two or more accidents each of which resulted in payment but have not been assigned a point under (2) above.

(4) Chargeable losses resulting from the operation of a farm truck, motor home, artisan vehicle or an antique auto are subject to the provisions of the Safe Driver Insurance Plan.

(5) Exceptions

(a) Accidents involving personally owned private passenger autos not insured under this plan.

(b) No points are assigned for accidents incurred by an operator demonstrated to be a named insured or a principal operator of an auto insured under a separate policy in this Company. In this situation the points will be assigned to the policy on which the operator is a named insured or principal operator.

(c) No points are assigned for accidents occurring under the following circumstances:

(i) auto lawfully parked (if the parked vehicle rolls from the parked position then any such accident is charged to the operator who parked the auto); or

(ii) the applicant, owner or other resident operator in an accident is:

i. determined to be 50% or less negligent; or

ii. reimbursed for 50% or more of his or her damages by, or on behalf of persons involved in the accident.

(iii) auto is struck in the rear by another vehicle and the applicant or other resident operator was not convicted of a moving traffic violation in connection with this accident; or

(iv) operator of the other auto involved in the accident was convicted of a moving traffic violation and the applicant or operator was not convicted of a moving traffic violation in connection with the accident; or

(v) auto operated by the applicant or any resident operator is struck by a “hit-and-run” vehicle, if the accident is reported to the proper authority within 24 hours by the applicant or operator; or

(vi) accidents involving damage by contact with animals or fowl; or

(vii) accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or falling objects; or



SAFE DRIVER INSURANCE PLAN (SDIP) Continued

(viii) accidents occurring when using auto in response to an emergency if the operator of the auto at the time of accident was a paid or volunteer member of any Police or Fire Department, First Aid Squad, or any law enforcement agency. This exception does not include an accident occurring after the auto ceases to be used in response to such emergency.

c. One point is assigned if, during the experience period, there was one-half point assigned under convictions and one-half point assigned under accidents.

d. Refund Of Surcharged Premium

If a point has been assigned for an accident and it is later determined that the accident falls under one of the exceptions in this rule, North Star shall refund to the insured the increased portion of the premium generated by the accident.

2. Experience Period

The experience period shall be the three years immediately preceding the date of application or renewal.

Acceptability will be based on all prior years with greater emphasis being placed on the most recent three years.

B. Applying Points

1. Single Car Risk

Points attributable to each driver shall be compiled separately and the total of all drivers shall determine the surcharge for that vehicle.

2. Two Car Risk

Points attributable to each driver shall be compiled separately and the total of all drivers shall determine the surcharge for each auto.

3. Three Or More Car Risk

Any points developed under SDIP are assigned to the two autos with the highest “Total Base Premiums”. The remaining autos are rated using 0 points.

“Total Base Premium” is the sum of the base premium for Bodily Injury and Property Damage Liability; Medical Payments; Comprehensive; and Collision Coverages that apply to the auto.

C. Combining Accidents And Convictions

If a conviction and a chargeable accident result from the same occurrence, only the conviction or accident developing the higher number of points shall be counted and the resulting rating points shall be used in determining the surcharge.

D. Administration Of SDIP

1. New Business

a. Initial information necessary to assign the proper Driving Record Points shall be obtained from an application signed personally by the applicant.

b. The signature of the applicant on all applications received from an agent shall be certified by such agent.

2. Renewal Business

Information necessary to assign proper renewal Driving Record Points shall be determined from any one or combination of the following:

a. Company’s own records; or

b. Motor Vehicle records; or

c. An application signed by the applicant and producer.



DISCOUNTS

A. Fleet Discount (Multi-Car Discount)

1. Application

a. Classify as fleet the autos of any risk that has two or more self-propelled autos of any type that are under one ownership. Do not include autos owned by allied or subsidiary interests unless the insured holds a majority financial interest.

b. Do not include mobile equipment insured on a general liability policy in determining if the risk is a fleet.

c. Do not include trailers in determining if the risk is a fleet.

d. Classify the autos of any other risk as non-fleet.

e. Do not change the fleet or non-fleet classification because of mid-term changes in the number of owned autos except at the request of the insured. The policy must be cancelled and rewritten in accordance with the Additional And Return Premium Changes section. The coverage part must be cancelled and rewritten in accordance with the Cancellation/Nonrenewal section.

2. Rating

The fleet discount will apply on commercially classified motor vehicles. Refer to the Secondary Classifications And Rating Factor Table.

B. Commercial Companion Policy Discount

A 10% Commercial Companion Policy Discount shall be applied to commercially classified vehicles if the insured has one or more of the following North Star policies that have a total combined annual premium of $500 or more:

• Business Protector (BP) • Commercial Property (CP) • Commercial Multiline (CM) • Farmowners (FO) • Commercial General Liability (CG)

C. Anti-Theft Discount

A 5% discount on Comprehensive Coverage will be provided on private passenger vehicles equipped with an authorized factory installed or authorized dealer installed anti-theft protection device.

For purposes of this rule, “authorized anti-theft protection device” means a device provided by the manufacturer of a vehicle as original equipment or installed in a vehicle by the manufacturer of the vehicle or an authorized dealer of that manufacturer. The device does one or more of the following when activated unless the vehicle is entered and started by means of a lock system:

1. sound an alarm;

2. cause the horn to sound;

3. cause the vehicle lights to flash; or

4. cause the vehicle to be rendered inoperable.

The device must be self-activating upon the locking of the passenger doors of the vehicle.

This rule applies only to policies insuring individual insureds as named insureds and any relative of the named insured who is a resident of the same household, covering private passenger vehicles owned by that insured and that are not rented to others or used as public livery conveyances and includes utility vehicles (defined as any four wheel vehicle, other than a private passenger vehicle which has a pick-up, van or panel type body). The rule does not apply to policies covering garages, automobile sales agencies, repair shops, service stations or public parking operations.



DISCOUNTS Continued

D. Accident Prevention Course Discount (Applies To Private Passenger Type Vehicles Only)

1. A 5% Motor Vehicle Accident Prevention Course Discount shall be applied to the premiums for Bodily Injury Liability, Property Damage Liability, Medical Payments and Collision coverages provided the principal operator of the motor vehicle has a completion certificate certifying that he or she has successfully completed an accident prevention course approved by the superintendent of the state highway patrol.

To be eligible for the discount, a principal operator who was age 50 or older when he or she completed the course must have a completion certificate dated within the most recent 36 months. (ATTACH PHOTOCOPY OF CERTIFICATE to application or request for discount.)

2. The discount applies as follows:

a. to new and renewal policies with inception dates within the 36-month period following the course completion date if the principal operator was age 50 or older when he or she completed the course.

b. only to the motor vehicle principally operated by the insured with the course completion certificate.

c. only once to each such motor vehicle regardless of the number of operators with course completion certificates.

3. The discount does not apply to policies insuring garages, automobiles sales agencies, repair shops, service stations or public parking places.

4. The discount shall not apply if the operator who completed the course:

a. is eligible for a Driver Training Classification according to the Personal Auto Manual; or

b. has been assigned one or more points under the Safe Driver Insurance Plan as a result of accidents or convictions.

E. Passive Restraint Discount

The following discounts apply to Medical Payments Coverage ONLY. To qualify, the commercially classified auto must be equipped with a factory installed automatic occupant restraint conforming to the federal crash protection requirements, and meeting the criteria of either Paragraph 1. or 2. below:

1. 20% discount will be provided when the restraint is installed in the driver-side-only position.

2. 30% discount will be provided when the restraints are installed in both front outboard seat positions.



INDIVIDUAL RISK PREMIUM MODIFICATION PLAN

The following modifications may be applied to recognize special characteristics of risk that are not fully reflected in the rates.

The total amount of credit or debit developed using the following table may not exceed 25%. The credit or debit developed is applied after all other rating procedures. The IRPM’s require approval of the Home Office Commercial Auto Underwriter and will not apply to Private Passenger vehicles.

Rating Modifications

Range of Modifications Risk Characteristic Description Credit Debit

Management Cooperation with insurance company, revision of schedules, 9% to 9% routes and practices to conform with company recommendations.

Employees and Selection, training, supervision, experience and basis of 10% to 10% Operators remuneration.

Equipment Type, condition, servicing, risk’s own repair facilities, 8% to 8% safety equipment, drivers’ reports on condition.

Safety Organization Periodic meetings, distribution of safety literature, award 8% to 8% and Loss and penalty system, review of accidents with drivers, Prevention safety director, accident reports and records.



INSURANCE SCORE

A. A rating factor from the table below will be applied to all coverages based on the insurance score of the named insured. The insurance score, using the Standard Auto Model from LexisNexis, is developed from credit-related information including: types of accounts, balances, dates opened, and account activity, plus public records items such as judgments and liens and inquiries initiated by the insured.

Insurance Score Rating Factor Insurance Score Rating Factor

Below 350 1.50 710-719 0.92 350-359 1.50 720-729 0.90 360-369 1.50 730-739 0.89 370-379 1.50 740-749 0.87 380-389 1.50 750-759 0.84

390-399 1.50 760-769 0.82

400-409 1.50 770-779 0.79

410-419 1.50 780-789 0.79

420-429 1.50 790-799 0.78

430-439 1.50 800-809 0.77

440-449 1.50 810-819 0.76 450-459 1.50 820-829 0.75 460-469 1.50 830-839 0.74 470-479 1.50 840-849 0.73 480-489 1.48 850-859 0.72 490-499 1.45 860-869 0.71 500-509 1.42 870-879 0.70 510-519 1.38 880-889 0.70 520-529 1.34 890-899 0.70 530-539 1.31 900-909 0.70 540-549 1.30 910-919 0.70 550-559 1.28 920-929 0.69 560-569 1.23 930-939 0.69 570-579 1.22 940-949 0.69 580-589 1.20 950-959 0.69 590-599 1.18 960-969 0.69 600-609 1.13 970-979 0.69 610-619 1.12 980-989 0.69 620-629 1.11 990-997 0.69 630-639 1.09 998 No Hits – under age 50 1.00

640-649 1.06 998 No Hits – age 50-74 0.94

650-659 1.00 998 No Hits – over age 74 0.89

660-669 0.99 999 No Score – under age 50 1.00

670-679 0.98 999 No Score – age 50-74 0.96

680-689 0.97 999 No Score – over age 74 0.89 690-699 0.95 Neutral 1.00

700-709 0.93



INSURANCE SCORE (Continued)

B. Application of the Insurance Score

1. The insurance score will be applied to all new business and to existing policies at renewal.

2. A statement to indicate an insurance score has been used will be shown on the policy Declaration when an insurance score is used.

3. The insurance score used, including No Score, will apply for a minimum of 12 months except in cases where corrections have been made for errors in the insured’s credit history file with the national credit bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy term.

4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal. However, we do not need to obtain the updated insurance score more frequently than once in a 12-month period.

5. A No Score will continue to apply to a policy except in cases where an insurance score is obtained from a national credit bureau. If an insurance score is returned, it will apply.

6. In order to comply with statute, a Neutral score from LexisNexis’ Standard Auto Model indicates that the insured’s credit report has been influenced negatively by an extenuating life circumstance such as catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.

7. If the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.06 per one year period.

TRUSTS CF-2091

A. Coverage may be provided to vehicles listed on the declarations if title to the vehicle(s) has been transferred to a trust. Use Trust Endorsement CF-2091.

Coverage is subject to the following requirements:

1. The grantor of the trust must be a named insured shown in the Declarations.

2. All vehicles insured under the policy must be owned by the trust.

3. The trust will be shown as an additional insured in the Declarations.

B. Endorsement

Coverage will be extended without charge to the trustees of the trust as shown on the Trust Endorsement CF-2091.

http://northstarmutual.com/nsmic/agentsonly.aspx?NMIC=WebPointID%3d81%26NewsStoryID%3d0%26__TimeStamp__%3d12%2f31%2f9999+11%3a59%3a59+PMhttp://northstarmutual.com/UserFiles/File/forms/policyforms/Current/CF-2091%2005-15.pdf



NON-BINDING/INELIGIBLE VEHICLES

The following are ineligible and coverage is not to be bound under any circumstances.

Amphibious Equipment

Antique or Obsolete Vehicles

Auctioneers

Auto Driving Schools

Automobile Garages/Dealers

Automobile Leasing/Rental

Armored Cars

Bar/Tavern Owners

Bottled Beverage Distributors

Breweries/Wineries

Bulk Oil Dealers

Building Wrecking Operators

Buses

Butchers

Carnival & Circus Vehicle/Amusement Devices

Church Buses

Day Care Vans

Delivery Vehicles

Drive Yourself Trucking

Dump Trucks

Egg Dealers

Emergency Vehicles - Fire Trucks, Police Cars, Ambulances, etc.

Excavation Contractors

Film Delivery

Fuel Dealers

Garbage Removal

Gasoline Stations

Gravel, Lime or Sand Trucks

Hazardous Materials (Anhydrous Ammonia, Explosives, Flammable Products, Poisons, Radioactive Materials)

House Movers

Ice Cream Manufacturing and Dealers

Junk, Metal or Scrap Iron Dealers

Liquefied Petroleum Gas Dealers, Distributors, Producers or Refineries

Livestock Dealers/Haulers

Logging & Lumbering

Long Haul Trucks (over 200 miles)

Lumber Dealers

Mail Route Vehicles

Meat Dealers, Packers, Retail

Milk Haulers - Bulk

Mining or Quarry Operations

Mix in Transit - Cement Trucks

Moving

Municipally Owned Trucks

Newspaper Delivery

Oil Field Vehicles

Parcel & Package Delivery

Paving Contractors

Pipeline Contractors

Pizza or Restaurant Delivery (Any prepared food delivery)

Public Autos (Taxis, Limousines, etc.)

Rolling Stores

Service Cars/Trucks

Sewer Contractors

Stockyards

Structural Iron and Steel Manufacturers

Telephone and Telegraph Company

Tractor-Trailer Units (except farm)

Trucks Requiring I.C.C or R.C. permits

Vehicles used in Racing

Vending Trucks

Well Drillers

Vehicles w/Crane (incl. booms)

Vehicles w/Snowplow (plowing for others)

Vehicles Regularly Operated Outside Insurance Company’s Territorial Area

Vehicles Transporting Dance Bands or Entertainers



PRIMARY CLASSIFICATIONS AND RATING FACTORS TABLE

Size Class

Business

Use Class

Code

Factor

Radius Class

Local Up To 50 Miles

Intermediate 51-200 Miles

Long Distance Over 200 Miles

Liab & Med Pay

Physical Damage

Liab & Med Pay

Physical Damage

Liab & Med Pay

Physical Damage

Light Trucks (0-10,000 Lbs

G.V.W.) (includes all

pickup trucks)

Service Code

Factor 110

1.00 110

1.00 111

1.20 111

1.15 112

1.30 112

1.20

Retail Code

Factor 120

1.50 120

1.05 121

1.80 121

1.20 122

1.80 122

1.25

Commercial Code

Factor 130

1.35 130

1.10 131

1.65 131

1.30 132

1.75 132

1.35

Farm Code

Factor 150

0.65 150

1.00 151

0.65 151

1.00 152

0.75 152

1.15

Medium Trucks

(10,001-20,000 Lbs. G.V.W.)

Service Code

Factor 210

1.05 210

0.75 211

1.25 211

0.90

Retail Code

Factor 220

1.55 220

0.80 221

1.85 221

0.95

Commercial Code

Factor 230

1.40 230

0.85 231

1.70 231

1.00

Farm Code

Factor 250

0.30 250

0.30 251

0.30 251

0.30

Heavy Trucks

(20,001-45,000 Lbs. G.V.W.)

Service Code

Factor 310

1.10 310

0.70 311

1.40 311

0.80

Retail Code

Factor 320

1.65 320

0.75 321

2.05 321

0.85

Commercial Code

Factor 330

1.50 330

0.80 331

1.90 331

0.95

Farm Code

Factor 350

0.30 350

0.30 351

0.30 351

0.30

Beet/Potato/ Specialty

Code Factor

360 0.50

360 0.50

361 0.60

361 0.60

Extra-Heavy Trucks

(Over 45,000 Lbs. G.V.W.)

(does not include Semi-tractors)

Non-Farm Code

Factor 440

2.10 440

1.00 441

2.70 441

1.20

Farm Code

Factor 450

0.85 450

0.60 451

0.95 451

0.60


Code Factor

460 1.10

460 0.75

461 1.15

461 0.80

Extra-Heavy

Semi- Tractors

(Over 45,000 Lbs. G.C.W.)

Non-Farm Code

Factor 640

2.35 640

1.05 641

3.00 641

1.20

Farm Code

Factor 650

0.85 650

0.60 651

0.95 651

0.65


Code Factor

660 1.10

660 0.75

661 1.15

661 0.80



PRIMARY CLASSIFICATIONS AND RATING FACTORS TABLE Continued

Size Class

Business Use

Class

Code Factor

Radius Class

Local Up to 50 Miles

Intermediate 51-200 Miles

Long Distance Over 200 Miles

Liab. & Med Pay

Physical Damage

Liab. & Med Pay

Physical Damage

Liab. & Med Pay

Physical Damage

Semi Trailers

Non-Farm Code

Factor

740

0.40

740

0.75

741

0.45

741

0.85

Farm Code

Factor

750

0.10

750

0.65

751

0.15

751

0.75

Trailers

(Over 2,000 Lbs. Load Capacity)

Non-Farm Code

Factor

840

0.35

840

0.50

841

0.40

841

0.60

Farm Code

Factor

850

0.10

850

0.50

851

0.15

851

0.60

Service or Utility Trailer

Code 860 861

(0-2,000 Lbs. Load Capacity)

Refer to Service/Utility Trailer section for Stated Amount rate per $100

SECONDARY CLASSIFICATIONS AND RATING FACTORS TABLE

FLEET DISCOUNT AND DRIVING RECORD POINTS

FLEET DISCOUNT

# of Eligible Vehicles (4th Digit of Class Code)

DRIVING RECORD POINTS (5th Digit of Class Code)

0

1

2

3

4

5

6

Code Factor

10 0.00

11 +0.20

12 +0.40

13 +0.90

14 +1.50

15 +2.20

16 +3.00 1

Code Factor

20 -0.05

21 +0.10

22 +0.20

23 +0.45

24 +0.75

25 +1.10

26 +1.50 2

Code Factor

30 -0.05

31 +0.05

32 +0.10

33 +0.30

34 +0.50

35 +0.75

36 +1.00 3

Code Factor

40 -0.10

41 +0.00

42 +0.05

43 +0.25

44 +0.40

45 +0.55

46 +0.75 4 or more


North Star Mutual Ins. Co. T - 1 Renewals 05-01-17

TERRITORY DEFINITIONS

IOWA State Code (14) Iowa Territory rating codes are determined by the ZIP code of the insured's principal place of residence. For alternate garaging location Territory Rating Codes - refer to the Home Office.

TERRITORY 31 - REMAINDER OF STATE

Territory 31 consist of the following ZIP codes:

50002 50003 50006 50007 50008 50010 50011 50012 50013 50014 50020 50022 50025 50026 50028 50029 50031 50033 50034 50036 50037 50039 50040 50041 50042 50043 50046 50048 50049 50050 50052 50055 50056 50058 50059 50060 50063 50064 50065 50066 50067 50069 50070 50071 50072 50073 50074 50075 50076

50101 50102 50103 50105 50107 50108 50109 50110 50115 50117 50122 50123 50124 50126 50127 50128 50129 50130 50132 50133 50134 50136 50140 50144 50146 50147 50149 50150 50152 50154 50155 50156 50157 50161 50164 50165 50167 50168 50171 50174 50201 50206 50207 50208 50212 50213 50216 50217 50218

50220 50222 50223 50227 50230 50231 50233 50235 50236 50238 50240 50243 50244 50246 50248 50249 50250 50254 50255 50257 50258 50259 50262 50264 50268 50269 50271 50273 50274 50275 50276 50277 50278 50401 50402 50420 50421 50423 50424 50426 50427 50428 50430 50431 50432 50433 50434 50435 50436

50438 50439 50440 50441 50444 50447 50448 50449 50450 50451 50452 50453 50454 50455 50456 50457 50458 50459 50460 50461 50464 50465 50467 50468 50469 50470 50471 50472 50473 50475 50476 50477 50478 50479 50480 50481 50482 50483 50484 50501 50510 50511 50514 50515 50516 50517 50518 50519 50520

50521 50522 50523 50524 50525 50526 50527 50528 50529 50530 50531 50532 50533 50535 50536 50538 50539 50540 50541 50542 50543 50544 50545 50546 50548 50551 50552 50554 50556 50557 50558 50559 50560 50561 50562 50563 50565 50566 50567 50568 50569 50570 50571 50573 50574 50575 50576 50577 50578

50579 50581 50582 50583 50585 50586 50588 50590 50591 50592 50593 50594 50595 50597 50598 50599 50601 50616 50620 50627 50633 50653 50672 50801 50830 50831 50833 50835 50836 50837 50839 50840 50841 50842 50843 50845 50846 50847 50848 50849 50851 50853 50854 50857 50858 50859 50860 50861 50862

50863 50864 51001 51002 51003 51004 51005 51006 51007 51008 51009 51010 51011 51012 51014 51015 51016 51018 51019 51020 51022 51023 51024 51025 51026 51027 51028 51029 51030 51031 51033 51034 51035 51036 51037 51038 51039 51040 51041 51044 51045 51046 51047 51048 51049 51050 51051 51052 51053

51054 51055 51056 51058 51060 51061 51062 51063 51201 51230 51231 51232 51234 51235 51237 51238 51239 51240 51241 51242 51243 51244 51245 51246 51247 51248 51249 51250 51301 51331 51333 51334 51338 51340 51341 51342 51343 51345 51346 51347 51350 51351 51354 51355 51357 51358 51360 51363 51364

51365 51366 51401 51430 51431 51432 51433 51436 51439 51440 51441 51442 51443

Back To

Comm. Auto

DIRECTORY

Back To

Pers. Auto

DIRECTOR



IOWA State Code (14)

TERRITORY 31 - REMAINDER OF STATE (Continued)

Territory 31 also consists of the following ZIP codes: 51444 51445 51446 51447 51448 51449 51450 51451 51452 51453 51454 51455 51458 51459 51460 51461 51462 51463

51465 51466 51467 51520 51521 51523 51525 51526 51527 51528 51529 51530 51531 51532 51533 51534 51535 51536

51537 51540 51541 51542 51543 51544 51545 51546 51548 51549 51550 51551 51552 51553 51554 51555 51556 51557

51558 51559 51560 51561 51562 51563 51564 51565 51566 51570 51571 51572 51573 51575 51576 51577 51578 51579

51591 51593 51601 51603 51630 51631 51632 51636 51637 51638 51639 51640 51645 51646 51647 51648 51649 51650

51651 51652 51653 51654 51656 52231 52248 52301 52355 52361 52501 52530 52531 52533 52535 52536 52537 52542

52543 52544 52548 52549 52551 52552 52553 52554 52555 52560 52561 52562 52563 52565 52566 52568 52569 52570

52571 52572 52573 52574 52576 52581 52583 52584 52585 52588 52590 52591 52593 52594 52601 52619 52620 52623

52624 52625 52626 52627 52630 52631 52632 52635 52637 52638 52639 52640 52644 52645 52646 52648 52649 52650

52651 52653 52655 52656 52657 52658 52660 52737 52738 52752

TERRITORY 32 – SIOUX CITY Territory 32 consists of the following ZIP codes: 51101 51102 51103 51104 51105 51106 51108 51109 51111

TERRITORY 33 - WATERLOO Territory 33 consists of the following ZIP codes: 50613 50614 50634 50667 50701 50702 50704 50707

TERRITORY 34 – DUBUQUE Territory 34 consists of the following ZIP codes: 52001 52002 52003 52004 52099



IOWA State Code (14)

TERRITORY 35 – DES MOINES (SUBURBAN)

Territory 35 consists of the following ZIP codes: 50009 50021 50023

50035 50038 50047

50054 50061 50099

50111 50131 50169

50211 50226 50228

50237 50261 50263

50313 50320 50323

50333

TERRITORY 36 – CEDAR RAPIDS

Territory 36 consists of the following ZIP codes: 52233 52328

52401 52402

52403 52404

52405 52406

52407 52408

52409 52410

52411 52497

52498 52499

TERRITORY 37 – CLINTON

Territory 37 consist of the following ZIP codes: 52732 52733 52734 52736 52771

TERRITORY 38 – QUAD CITIES

Territory 38 consists of the following ZIP codes: 52722 52753

52767 52801

52802 52803

52804 52805

52806 52807

52808 52809

TERRITORY 39 – DES MOINES (EAST METRO)

Territory 39 consists of the following ZIP codes: 50032 50302 50307 50308

50309 50310 50314 50315

50316 50317 50318 50319

50327 50328 50329 50330

50331 50332 50335 50340

50360 50380 50381 50392

50393 50396 50936 50940

50947 50950 50980 50981

50982 50983

TERRITORY 40 – DES MOINES (WEST METRO)

Territory 40 consists of the following ZIP codes: 50265 50266 50301

50303 50304 50305

50306 50311 50312

50321 50322 50324

50325 50334 50336

50339 50359 50361

50362 50363 50364

50367 50368 50369

50391 50394 50395

50398

TERRITORY 41 – COUNCIL BLUFFS

Territory 41 consists of the following ZIP codes: 51501 51502 51503 51510



IOWA State Code (14) TERRITORY 42 – EASTERN IOWA

Territory 42 consists of the following ZIP codes: 52037 52201 52203 52204 52211 52216 52220 52221 52222

52232 52235 52236 52240 52241 52242 52243 52244 52245

52246 52247 52251 52254 52255 52306 52307 52308 52316

52317 52322 52325 52327 52333 52334 52335 52337 52338

52340 52347 52353 52356 52358 52359 52540 52556 52557

52567 52580 52621 52641 52642 52647 52652 52654 52659

52701 52720 52721 52726 52727 52728 52729 52730 52731

52739 52742 52745 52746 52747 52748 52749 52750 52751

52754 52755 52756 52757 52758 52759 52760 52761 52765

52766 52768 52769 52772 52773 52774 52776 52777 52778

TERRITORY 43 – SOUTH CENTRAL IOWA

Territory 43 consists of the following ZIP codes: 50001 50027 50044 50057 50062

50068 50104 50112 50116 50118

50119 50125 50135 50137 50138

50139 50143 50145 50151 50153

50160 50163 50166 50170 50210

50214 50225 50229 50232 50241

50242 50251 50252 50256 50272

50609 52534 52550 52577 52586

52595

TERRITORY 44 – NORTH EAST IOWA

Territory 44 consists of the following ZIP codes: 50005 50051 50078 50106 50120 50141 50142 50148 50158 50162 50173 50234 50239 50247 50466 50602 50603 50604 50605 50606 50607

50608 50611 50612 50619 50621 50622 50623 50624 50625 50626 50628 50629 50630 50631 50632 50635 50636 50638 50641 50642 50643

50644 50645 50647 50648 50649 50650 50651 50652 50654 50655 50657 50658 50659 50660 50661 50662 50664 50665 50666 50668 50669

50670 50671 50673 50674 50675 50676 50677 50680 50681 50682 50703 52030 52031 52032 52033 52035 52036 52038 52039 52040 52041

52042 52043 52044 52045 52046 52047 52048 52049 52050 52052 52053 52054 52056 52057 52060 52064 52065 52066 52068 52069 52070

52071 52072 52073 52074 52075 52076 52077 52078 52079 52101 52132 52133 52134 52135 52136 52140 52141 52142 52144 52146 52147

52149 52151 52154 52155 52156 52157 52158 52159 52160 52161 52162 52163 52164 52165 52166 52168 52169 52170 52171 52172 52175

52202 52205 52206 52207 52208 52209 52210 52212 52213 52214 52215 52217 52218 52219 52223 52224 52225 52227 52228 52229 52237

52249 52252 52253 52257 52302 52305 52309 52310 52312 52313 52314 52315 52318 52320 52321 52323 52324 52326 52329 52330 52332

52336 52339 52341 52342 52344 52345 52346 52348 52349 52351 52352 52354 52361 52362

TERRITORY 45 – Pella Territory 45 consists of the following ZIP codes: 50219

COMMERCIAL AUTO - North Star Mutual Insurance Company · 2019-03-27 · Iowa New Business 05-01-19...

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Transcript of COMMERCIAL AUTO - North Star Mutual Insurance Company · 2019-03-27 · Iowa New Business 05-01-19...