PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

Western National Mutual Insurance CompanyIOWA HOMEOWNER RULESRule 8 – Optional Liability CoveragesAll mandatory and optional liability coverages must be written at the same limit.8.1 Increased Limits – Coverages L and MThe limits for Coverages L and M can be increased. Use the rating information shown in thismanual.8.2 Reduced Coverage L LimitAt the option of the company, the Coverage L each occurrence limit can be reduced from$100,000 to $25,000 or $50,000.Show the Coverage L limit on the declarations.8.2.1 Basic CoverageUse the rating information shown in this manual.8.2.2 Optional CoveragesWhen the Coverage L each occurrence limit is reduced, the premium for an optionalliability coverage is determined by multiplying the rating information by the applicablefactor shown in this manual.8.3 Reduced Coverage M LimitAt the option of the company, the per person limit for Coverage M can be reduced from $1,000to $500. Use the rating information provided by the company.Show the Coverage M per person limit on the declarations.8.4 Domestic EmployeesCoverage for liability arising out of injuries sustained by domestic employees of an insured notcovered or not required to be covered by Workers' Compensation Insurance is included underthe liability section of the policy. A charge is required for each domestic employee in excess oftwo, except:• Employees working less than half of the customary full time; or• Employees to whom the policy's Coverage L exclusion for bodily injury to persons coveredor required to be covered by workers' compensation insurance applies.Use the rating information shown in this manual.Make an entry on the declarations to show the number of domestic employees.7-1-2010 IA - Rules - 27 General RulesIncludes copyrighted material with permission of American Association of Insurance Services