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

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Western National Mutual Insurance CompanyIOWA HOMEOWNER RULES8.5 Additional Residence Premises – Occupied By An InsuredCoverage for liability arising out of all additional or secondary residence premises where aninsured maintains a residence, other than business or farm properties, is required. Use therating information shown in this manual.Make entries on the declarations to show the locations of all additional and secondary residencepremises to which the liability coverages apply.8.6 Additional Residence Premises – Rented To OthersCoverage for liability arising out of additional one and two family dwellings owned by the insuredand rented or held for rental to others can be added. Use the rating information shown in thismanual.Attach Endorsement ML-70 and make entries to show the location(s) of the covered premisesand to indicate the number of families at each premises.8.7 Private Structures – Rented To OthersIf coverage is provided under the property coverages for private structures rented to others,coverage for liability arising out of those structures is also provided. Use the rating informationfor Rule 8.6, Additional Residence Premises - Rented to Others, to make the charge for theliability exposure.Attach Endorsement ML-40 and make entries to describe the covered structures and indicatethe number of families.8.8 Waterbed Liability – Form 4Coverage for liability for property damage arising out of the ownership or use of a waterbed onthe insured premises can be added. Use the rating information shown in this manual.Attach Endorsement ML-209.8.9 Business Activities – Business Not Owned By The InsuredCoverage for liability arising out of an insured's business activities, other than activities relatedto a business of which the insured is sole owner or a partner, can be added. Use the ratinginformation shown in this manual.Eligible business activities are classified as shown below. Make the appropriate charge for eachcovered person.7-1-2010 IA - Rules - 28 General RulesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance CompanyIOWA HOMEOWNER RULESClassifications:8.9.1 Clerical Office EmployeesEngaged wholly in office work and having no other duty in or about the employer'spremises.8.9.2 Salespersons, Collectors, Or MessengersNo installation, demonstration, or service operations.8.9.3 Salespersons, Collectors, Or MessengersIncluding installation, demonstration, or service operations.8.9.4 TeachersAthletic, laboratory, manual training, physical training, or swimming instruction, excludingcoverage for liability arising out of the corporal punishment of pupils.8.9.5 TeachersNot otherwise classified, excluding coverage for liability arising out of the corporalpunishment of pupils.8.9.6 TeachersCoverage for liability arising out of the corporal punishment of pupils. The additionalpremium for this classification must be added to the premium for classifications 8.9.4 or8.9.5.Refer to the Company for occupations not classified.Attach Endorsement ML-71 and make entries to show the names of the covered persons andthe covered business activities. If applicable, make an entry to show that coverage for liabilityarising out of the corporal punishment of pupils is included.8.10 Office, Professional, Private School, Or Studio OccupancyCoverage for liability arising out of an incidental office, professional, private school, or studiooccupancy in the residence, in a related private structure on the insured premises, or at anadditional residence premises occupied by the insured can be added when:• The premises are occupied principally for residential purposes;• The business is conducted by an insured; and• There is no other business conducted on the premises.Use the rating information shown in this manual.Attach Endorsement ML-42 and make entries to describe the business and its location.7-1-2010 IA - Rules - 29 General RulesIncludes copyrighted material with permission of American Association of Insurance Services
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Western National Insurance GroupHis
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Coverage FormsWestern National unde
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Exhibit BHIGH PERFORMANCE, SPORTS,
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