{"text_format":"1","workbook":"xlsx","n_sheets":27,"sheets":["Status Sheet","CW","CA","CO","CT","FL","GA","HI","KS","MI","MO","NE","NC"," NC","ND"," NE ","NH","NJ","NM","NY","OK","TX","UT","VA ESR","VA","VT","WA"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":3,"comments":3,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Status Sheet","index":0,"n_rows":53,"n_cols":3,"rows_kept":53,"cut":false,"hidden":false,"merged":[[55,0,55,2],[56,0,56,2],[52,0,52,1],[53,0,53,2],[54,0,54,2]]}
["STATE","RATING PLAN","MODIFICATION FACTOR"]
["Alabama","AAIS","+-25%"]
["Alaska","AAIS","+-25%"]
["Arizona","AAIS","+-25%"]
["Arkansas  ","AAIS","+-25%"]
["California","AAIS","NA"]
["Colorado","AAIS","+-25%"]
["Connecticut","AAIS","+-25%"]
["Delaware","AAIS","+-25%"]
["Dist. of Col.","AAIS","+-25%"]
["Florida","AAIS","+-25%"]
["Georgia","AAIS","+-15%"]
["Hawaii","AAIS","+-25%"]
["Idaho","AAIS","+-25%"]
["Illinois","AAIS","+-25%"]
["Indiana","AAIS","+-25%"]
["Iowa","AAIS","+-25%"]
["Kansas","AAIS","+-25%"]
["Kentucky","AAIS","+-25%"]
["Louisiana","AAIS","+-25%"]
["Maine","AAIS","+-25%"]
["Maryland","AAIS","+-25%"]
["Massachusetts","AAIS","+-25%"]
["Michigan","AAIS","+-25%"]
["Minnesota","AAIS","+-25%"]
["Mississippi","AAIS","+-25%"]
["Missouri","AAIS","+-25%"]
["Montana","AAIS","+-25%"]
["Nebraska","AAIS","+-40%"]
["Nevada","AAIS","+-25%"]
["N. Hampshire","AAIS","+-40%"]
["N. Jersey","AAIS","+-25%"]
["N. Mexico","AAIS","+-25%"]
["New York","AAIS","+-25%"]
["N. Carolina","AAIS","+-25%"]
["N. Dakota","AAIS","+-25%"]
["Ohio","AAIS","+-25%"]
["Oklahoma","AAIS","+-25%"]
["Oregon","AAIS","+-25%"]
["Pennsylvania","AAIS","+-25%"]
["Rhode Island","AAIS","+-25%"]
["S. Carolina","AAIS","+-25%"]
["S. Dakota","AAIS","+-25%"]
["Tennessee","AAIS","+-25%"]
["Texas","AAIS","+-40%"]
["Utah","AAIS","+-25%"]
["Vermont","AAIS","+-25%"]
["Virginia","AAIS","+-50%"]
["Washington","AAIS","+-25%"]
["W. Virginia","AAIS","+-25%"]
["Wisconsin","AAIS","+-25%"]
["Wyoming","AAIS","+-25%"]
["TOTALS"]

{"sheet":"CW","index":1,"n_rows":44,"n_cols":11,"rows_kept":44,"cut":false,"hidden":false,"merged":[[37,5,37,6],[36,2,36,4],[6,0,6,7],[2,0,2,7],[5,0,5,7],[7,4,7,6],[8,4,8,6],[1,0,1,7],[3,0,3,7],[4,0,4,7],[9,4,9,6],[10,5,10,6]]}
[null,null,"All states Except CA, CO, CT, FL, GA, HI, KS, MI, MO, NC, ND, NE, NH, NJ, NM, NY, OK, TX, UT, VA. VA ESR, WA "]
["AAIS COUNTRYWIDE INLAND MARINE IRPM RATING PLAN"]
["   As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.",null,null,null,null,null,null,null,null,null,"      "]
[null,null,"NAMED INSURED",null,"EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS",null,"MODIFICATIONS",null,null,"REASONS"]
[null,null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises",null,"10% +/-"]
[]
[null,null,"Classification variations",null,"10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment",null,"10% +/-"]
[]
[null,null,"Damage and susceptibility",null,"10% +/-"]
[]
[null,null,"Dispersion or concentration",null,"5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience",null,"5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures",null,"10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards",null,"10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates",null,"10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations",null,"10% +/-"]
[]
[null,null,"Superior or inferior structural features",null,"10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures",null,"10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,null,{"$f":"SUM(F13:F35)","v":0},{"$f":"SUM(G13:G35)","v":0}]
[null,null,"Combined Total",null,null,{"$f":"F37-G37","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"CA","index":2,"n_rows":7,"n_cols":1,"rows_kept":7,"cut":false,"hidden":false,"merged":[[35,5,35,6],[6,0,6,7],[8,4,8,6],[9,5,9,6],[34,2,34,4],[5,0,5,7],[0,0,0,7],[1,0,1,7],[2,0,2,7],[3,0,3,7],[4,0,4,7]]}
["CALIFORNIA"]
["AAIS CALIFORNIA INLAND MARINE IRPM RATING PLAN"]
["As of August  2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The individual risk premium modifications do not apply in California."]

{"sheet":"CO","index":3,"n_rows":46,"n_cols":7,"rows_kept":46,"cut":false,"hidden":false,"merged":[[39,4,39,5],[6,0,6,6],[9,3,9,5],[10,4,10,5],[38,2,38,3],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["COLORADO"]
["AAIS COLORADO INLAND MARINE IRPM RATING PLAN"]
["As of August   2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and","10% +/-"]
[null,null,"premises"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective equipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E36)","v":0},{"$f":"SUM(F13:F36)","v":0}]
[null,null,"Combined Total",null,{"$f":"E39-F39","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"CT","index":4,"n_rows":45,"n_cols":7,"rows_kept":45,"cut":false,"hidden":false,"merged":[[38,4,38,5],[37,2,37,3],[6,0,6,6],[9,3,9,5],[10,4,10,5],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["CONNECTICUT"]
["AAIS CONNECTICUT INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and","10% +/-"]
[null,null,"premises"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E37)","v":0},{"$f":"SUM(F13:F37)","v":0}]
[null,null,"Combined Total",null,{"$f":"E38-F38","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"FL","index":5,"n_rows":33,"n_cols":9,"rows_kept":33,"cut":false,"hidden":false,"merged":[[25,5,25,6],[6,0,6,8],[9,4,9,6],[10,5,10,6],[24,2,24,4],[7,4,7,6],[8,4,8,6],[5,0,5,8],[0,0,0,8],[1,0,1,8],[2,0,2,8],[3,0,3,8],[4,0,4,8]]}
["FLORIDA"]
["AAIS FLORIDA INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nCompanies are required to maintain appropriate documentation to support the application of each IRPM and any future changes to that modification.\nCompanies are also required to maintain documentation by line of insurance with respect to loss experience for all policies that are eligible for an IRPM, whether or not an IRPM has been applied.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.\n"]
[null,null,"NAMED INSURED",null,"EFFECTIVE DATE",null,null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS",null,"MODIFICATIONS",null,null,null,"REASONS"]
[null,null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises",null,"10% +/-"]
[]
[null,null,"Classification variations",null,"10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of hazards\nand maintenance of protective equipment",null,"10% +/-"]
[]
[null,null,"Damage and susceptibility",null,"10% +/-"]
[]
[null,null,"Dispersion or concentration",null,"5% +/-"]
[]
[null,null,"Employees: selection, training, supervision, experience",null,"5% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,null,{"$f":"SUM(F13:F24)","v":0},{"$f":"SUM(G13:G24)","v":0}]
[null,null,"Combined Total",null,null,{"$f":"F25-G25","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]
[null,null,"The rule may only be applied to a policy with a manual premium (based on manual rates before any modification) of $1,000 or more, and application of this IRPM cannot result in a modified premium of less than $1,000."]

{"sheet":"GA","index":6,"n_rows":44,"n_cols":7,"rows_kept":44,"cut":false,"hidden":false,"merged":[[37,4,37,5],[36,2,36,3],[0,0,0,6],[1,0,1,14],[2,0,2,14],[3,0,3,14],[4,0,4,14],[8,3,8,5],[9,4,9,5],[5,0,5,6],[6,3,6,5],[7,3,7,5]]}
["GEORGIA"]
["                     AAIS GEORGIA INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[" The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 15%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and","10% +/-"]
[null,null,"premises"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective equipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure units and subsequent preventive measures","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E12:E35)","v":0},{"$f":"SUM(F12:F35)","v":0}]
[null,null,"Combined Total",null,{"$f":"E37-F37","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"HI","index":7,"n_rows":45,"n_cols":5,"rows_kept":45,"cut":false,"hidden":false,"merged":[[38,2,38,3],[1,0,1,4],[2,0,2,4],[3,0,3,4],[4,0,4,4],[5,0,5,4],[6,0,6,4],[9,1,9,3],[10,2,10,3],[7,1,7,3],[8,1,8,3]]}
["HAWAII"]
["AAIS HAWAII INLAND MARINE IRPM RATING PLAN"]
["   As of August 2023               "]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.\nInsurers shall file specific rating criteria for the application of Individual Risk Premium Modifications credits or debits.\n"]
["NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
["RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,"RANGE","% APPLIED"]
[null,null,"CR","DB"]
["Care and condition of equipment and","10% +/-"]
["premises"]
[]
["Classification variations","10% +/-"]
[]
["Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
["Damage and susceptibility","10% +/-"]
[]
["Dispersion or concentration","5% +/-"]
[]
["Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
["Location: accessibility, congestion, and exposures","10% +/-"]
[]
["Miscellaneous protective features or\nhazards","10% +/-"]
[]
["Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
["Storage practices and hazardous\noperations","10% +/-"]
[]
["Superior or inferior structural features","10% +/-"]
[]
["Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
["TOTAL CR / DB:",null,{"$f":"SUM(C13:C36)","v":0},{"$f":"SUM(D13:D36)","v":0}]
["Combined Total",null,{"$f":"C38-D38","v":0}]
[]
["UNDERWRITER SIGNATURE","DATE"]
[]
["NOTES"]
[]
["DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"KS","index":8,"n_rows":44,"n_cols":6,"rows_kept":44,"cut":false,"hidden":false,"merged":[[37,3,37,4],[9,2,9,4],[10,3,10,4],[36,1,36,2],[0,0,0,5],[1,0,1,5],[2,0,2,5],[3,0,3,5],[4,0,4,5],[5,0,5,5],[6,0,6,5],[7,2,7,4],[8,2,8,4]]}
["KANSAS"]
["AAIS KANSAS INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.\nApplication of the Individual Risk Premium Modification Plan is required on all eligible risks."]
[null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,"RANGE","% APPLIED"]
[null,null,null,"CR","DB"]
[null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,"Classification variations","10% +/-"]
[]
[null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,"Damage and susceptibility","10% +/-"]
[]
[null,"Dispersion or concentration","5% +/-"]
[]
[null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,"Superior or inferior structural features","10% +/-"]
[]
[null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[null,"TOTAL CR / DB:",null,{"$f":"SUM(D13:D35)","v":0},{"$f":"SUM(E13:E35)","v":0}]
[null,"Combined Total",null,{"$f":"D37-E37","v":0}]
[]
[null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,"NOTES"]
[]
[null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"MI","index":9,"n_rows":63,"n_cols":11,"rows_kept":63,"cut":false,"hidden":false,"merged":[[30,3,30,5],[52,2,52,3],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6],[8,3,8,5],[5,0,5,6],[28,2,28,3]]}
["MICHIGAN"]
["AAIS MICHIGAN INLAND MARINE IRPM RATING FACTORS"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures. The total amount of credit or debit developed using the following table may\nnot exceed 25%. The credit or debit developed by the use of this rule is applied after the\napplication of all other rating procedures.",null,null,null,null,null,null,"Combined CR/DB ",null,{"$f":"E29-E53","v":0},"                                                                                "]
[null,null,"NAMED INSURED","EFFECTIVE DATE","POLICY NUMBER"]
[]
[null,null,"CONSIDERATIONS ( See TABLE explanations )","RATE MODIFICATIONS",null,null,null,"Enter Rate Modification",null,null,"RISK CONSIDERATION TABLE EXPLANATIONS"]
[null,null,null,null,"CREDITS PERCENT"]
[null,null,null,"SUPERIOR","EXCELLENT","VERY GOOD","GOOD",null,null,null,"1. Management -- Cooperation"]
[null,null,null,null,null,null,null,null,null,null,"Recommendations -- compliance, cooperation, reasonable"]
[null,null,"Management -- Cooperation",8,5,3,2,null,null,null,"Protection -- provided, maintained"]
[null,null,null,null,null,null,null,null,null,null,"Loss Prevention -- program, attitude"]
[null,null,"Employees",3,3,2,1]
[null,null,null,null,null,null,null,null,null,null,"2. Employees"]
[null,null,"Building Location",7,5,3,2,null,null,null,"Experience"]
[null,null,null,null,null,null,null,null,null,null,"Selection"]
[null,null,"Building Features",5,4,3,2,null,null,null,"Training"]
[null,null,null,null,null,null,null,null,null,null,"Supervision"]
[null,null,"Building Condition",5,4,3,2,null,null,null,"Attitude"]
[]
[null,null,"Occupancy Features",5,4,3,2,null,null,null,"3. Building Location"]
[null,null,null,null,null,null,null,null,null,null,"Accessibility -- congested; traffic; parking; railroad, expressways,"]
[null,null,"Occupancy Conditions",5,4,3,2,null,null,null,"rivers, or other obstructions"]
[null,null,null,null,null,null,null,null,null,null,"Exposures -- congested, nearby buildings, yards, forests, etc."]
[null,null,"Protective Features - Other",2,2,1,1,null,null,null,"Area -- vandalism, trespass, riot, etc."]
[null,null,null,null,null,null,null,null,null,null,"Atmospheric Conditions -- fog, hail, smog"]
[null,null,"TOTAL CR :",null,{"$f":"(H13+H15+H17+H19+H21+H23+H25+H27)*0.01","v":0}]
[null,null,null,null,null,null,null,null,null,null,"4. Building Features"]
[null,null,"CONSIDERATIONS ( See TABLE explanations)","RATE MODIFICATIONS",null,null,null,null,null,null,"Structural -- superior or inferior features unusual for class"]
[null,null,null,null,"DEBITS PERCENT",null,null,null,null,null,"Age -- remodeled, restored"]
[null,null,null,"MINOR DEFICIENCIES","MARGINAL","POOR","VERY  POOR","Enter Rate Modification",null,null,"Use -- intended, conversions, suitable for current use"]
[null,null,null,null,null,null,null,null,null,null,"Damageability -- features unusual for class"]
[null,null,"Management -- Cooperation",2,3,5,8,null,null,null,"Security -- alarms, fences, watchmen, etc."]
[]
[null,null,"Employees",1,2,3,3,null,null,null,"5. Building Condition"]
[null,null,null,null,null,null,null,null,null,null,"Wiring, Heating, and Cooling -- modern, updated"]
[null,null,"Building Location",2,3,5,7,null,null,null,"Maintenance -- limited, comprehensive"]
[null,null,null,null,null,null,null,null,null,null,"Structural -- maintained"]
[null,null,"Building Features",2,3,4,5,null,null,null,"Protective Features -- maintained, contracts"]
[]
[null,null,"Building Condition",2,3,4,5,null,null,null,"6. Occupancy Features"]
[null,null,null,null,null,null,null,null,null,null,"Hazards -- unusual for class"]
[null,null,"Occupancy Features",2,3,4,5,null,null,null,"Protective Features -- hazards, ordinary, inadequate"]
[null,null,null,null,null,null,null,null,null,null,"Damageability -- stock, furniture, and fixtures"]
[null,null,"Occupancy Conditions",2,3,4,5]
[null,null,null,null,null,null,null,null,null,null,"7. Occupancy Conditions -- Protection"]
[null,null,"Protective Features - Other",1,1,2,2,null,null,null,"Protective Equipment -- provided, maintained"]
[null,null,null,null,null,null,null,null,null,null,"Maintenance -- limited, comprehensive"]
[null,null,"                                                        ",null,null,null,null,null,null,null,"Housekeeping -- trash removal, cleanliness"]
[null,null,null,null,null,null,null,null,null,null,"Storage -- minimize exposure, damage"]
[null,null,"TOTAL DB :",null,{"$f":"(H35+H37+H39+H41+H43+H45+H47+H49)*0.01","v":0}]
[null,null,null,null,null,null,null,null,null,null,"8. Protective Features -- Other"]
[null,null,null,null,null,null,null,null,null,null,"Maintenance -- protective systems"]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]
[]
[]
[null,null,null,"                                                                                                                                                                                                                                                                     "]

{"sheet":"MO","index":10,"n_rows":46,"n_cols":7,"rows_kept":46,"cut":false,"hidden":false,"merged":[[38,4,38,5],[6,0,6,6],[9,3,9,5],[10,4,10,5],[37,2,37,3],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["MISSOURI"]
["AAIS MISSOURI INLAND MARINE IRPM RATING PLAN"]
["As of  March 1, 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nAny renewal notice for any Missouri risk or portion thereof that would have the effect of increasing the premium charged because of a change in any schedule rating factor applied to the policy during the previous policy period must include a notice to the insured directing any inquiry concerning the increased premium to the insurer or the insurer's insurance producer. Within ten calendar days of receiving of such an inquiry, the insurer, directly or through the insurer's insurance producer, shall inform the insured in writing -- in terms sufficiently clear and specific -- of the basis for any reduction in a schedule rating credit or increase in a schedule rating debit that is applied to the policy.\nThe insurer must maintain individual underwriting files that include copies of the written notices, inquiries, and responses described above, and evidence supporting the basis for any rating credit or debit. The insurer must retain these files for not less than two calendar years after the policy term.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed. "]
[null,null,"NAMED INSURED","EFFECTIVE  DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and","10% +/-"]
[null,null,"premises"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural features, segregation, and control of hazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure units and subsequent preventive measures","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E36)","v":0},{"$f":"SUM(F13:F36)","v":0}]
[null,null,"Combined Total",null,{"$f":"E38-F38","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]
[null,null,"In accordance with 20 CSR 500-4.100(7)(A), an additional credit of up to 10% may be applied based on reduction of expenses; however, this does not apply to experience rating plans."]

{"sheet":"NE","index":11,"n_rows":35,"n_cols":7,"rows_kept":35,"cut":false,"hidden":true,"merged":[[0,0,0,8],[1,0,1,8]]}
["NEBRASKA"]
["AAIS NEBRASKA INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
[]
["Nebraska law provides a plan for the application of discretionary rating"]
["factors. Companies are allowed to apply credits or debits up to plus (+) or",null,null,null,null,null,"Return to State Selection Sheet"]
["minus (-) 40% to modify the Commercial Inland Marine Premium."]
["Any characteristic or activity of the risk can be used to determine the credit"]
["or debit; except that involving race, creed, national origin, or religion of the"]
["insured, or known spousal abuse that would violate the \"Unfair"]
["Discrimination Against Subjects of Abuse in Insurance Act\". In addition, no"]
["documentation of these factors is required."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,{"$f":"SUM(F10:F33)","v":0},{"$f":"SUM(G10:G33)","v":0}]

{"sheet":"NC","index":12,"n_rows":37,"n_cols":11,"rows_kept":37,"cut":false,"hidden":true,"merged":[[36,5,36,6],[7,4,7,6],[8,5,8,6],[35,2,35,4],[1,0,1,8],[2,0,2,8],[3,0,3,8],[4,0,4,8],[5,0,5,8],[6,0,6,8]]}
["NORTH CAROLINA",null,"NORTH CAROLINA"]
["AAIS NORTH CAROLINA INLAND MARINE IRPM RATING PLAN"]
["As of March 1, 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN",null,null,null,null,null,null,null,null,null,"Return to State Selection Sheet"]
["RATING INFORMATION FORM"]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nIf the use of this plan results in a debit, a consent-to-rate filing must be filed with the Insurance Department.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.\n"]
[]
[null,null,"RISK VARIATIONS",null,"MODIFICATIONS",null,null,null,"REASONS"]
[null,null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,null,"CR","DB"]
[]
[null,null,"Care and condition of equipment and premises",null,"10% +/-"]
[]
[null,null,"Classification variations",null,"10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural features, segregation, and control of hazards and maintenance of protective equipment",null,"10% +/-"]
[]
[null,null,"Damage and susceptibility",null,"10% +/-"]
[]
[null,null,"Dispersion or concentration",null,"5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience",null,"5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures",null,"10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards",null,"10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates",null,"10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations",null,"10% +/-"]
[]
[null,null,"Superior or inferior structural features",null,"10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures",null,"10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,null,{"$f":"SUM(F11:F34)","v":0},{"$f":"SUM(G11:G34)","v":0}]
[null,null,"Combined Total",null,null,{"$f":"F36-G36","v":0}]

{"sheet":" NC","index":13,"n_rows":44,"n_cols":10,"rows_kept":44,"cut":false,"hidden":false,"merged":[[37,4,37,5],[7,3,7,4],[8,3,8,4],[36,2,36,3],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6],[5,0,5,6],[6,0,6,6],[9,3,9,5],[10,4,10,5]]}
[null,null,"NORTH CAROLINA"]
["AAIS NORTH CAROLINA INLAND MARINE IRPM RATING PLAN"]
["   As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.",null,null,null,null,null,null,null,null,"      "]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E35)","v":0},{"$f":"SUM(F13:F35)","v":0}]
[null,null,"Combined Total",null,{"$f":"E37-F37","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"ND","index":14,"n_rows":32,"n_cols":7,"rows_kept":32,"cut":false,"hidden":false,"merged":[[24,4,24,5],[5,0,5,6],[8,3,8,5],[9,4,9,5],[23,2,23,3],[6,3,6,5],[7,3,7,5],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["NORTH DAKOTA"]
["AAIS NORTH DAKOTA INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
["Eligibility\nThe Individual Risk Premium Modification shall be applied to a policy which develops an annual premium of $500 or more before the application of modifications.\nRating Procedures\n(1) The plan must be applied uniformly in a non-discriminatory manner for all eligible classes or risks.\n(2) When a risk is debited, an insured or applicant, upon request, will be advised of its factors which resulted in the adverse rating.\n(3) Individual underwriting files must contain the specific criteria and document the particular circumstances of the risk that support each debit or credit. This documentation must exist in the individually rated risk file to enable the Commissioner to verify compliance with the appropriate regulation.\n(4) This plan must be used to acknowledge variance in risk characteristics and not merely to gain competitive advantage or for any other purpose.\n(5) Once the provisions of this plan have been applied to a risk and a credit or debit established, no changes in the established credit or debit can be made without appropriate justification and documentation.\n(6) The following modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rates.\n(7) The total amount of credit or debit developed using the following table may not exceed 25 percent.\n(8) The credit or debit developed by the use of this rule is applied after all other rating procedures.\n(9) A credit or debit may be applied to recognize expenses that are less or more than standard.                                                                                                  "]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or hazards not otherwise recognized","10% +/-"]
[]
[null,null,"Structural features: Superior or inferior, damage and susceptibility","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E12:E23)","v":0},{"$f":"SUM(F12:F23)","v":0}]
["Combined Total",null,"Combined Total",null,{"$f":"E24-F24","v":0}]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]
[]
[null,null,"INFORMATION REPORTING"]
[null,null,"At the Commissioner's request, pertinent information shall be submitted to the Commissioner concerning the number of policies by line of insurance issued with rate modifications by the insurer and the proportion of policies so issued to all policies written by line of insurance by the insurer."]

{"sheet":" NE ","index":15,"n_rows":7,"n_cols":1,"rows_kept":7,"cut":false,"hidden":false,"merged":[[6,0,6,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6],[5,0,5,6]]}
["NEBRASKA"]
["AAIS NEW HAMPSHIRE INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["Nebraska law provides a plan for the application of discretionary rating \nfactors. Companies are allowed to apply credits or debits up to plus (+) or \nminus (-) 40% to modify the Commercial Inland Marine Premium. \nAny characteristic or activity of the risk can be used to determine the credit \nor debit; except that involving race, creed, national origin, or religion of the \ninsured, or known spousal abuse that would violate the \"Unfair \nDiscrimination Against Subjects of Abuse in Insurance Act\". In addition, no \ndocumentation of these factors is required."]

{"sheet":"NH","index":16,"n_rows":46,"n_cols":7,"rows_kept":46,"cut":false,"hidden":false,"merged":[[39,4,39,5],[6,0,6,6],[9,3,9,5],[10,4,10,5],[38,2,38,3],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["NEW HAMPSHIRE"]
["AAIS NEW HAMPSHIRE INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 40%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[null,null,"Policy administration expenses","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E37)","v":0},{"$f":"SUM(F13:F37)","v":0}]
[null,null,"Combined Total",null,{"$f":"E39-F39","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"NJ","index":17,"n_rows":44,"n_cols":7,"rows_kept":44,"cut":false,"hidden":false,"merged":[[37,4,37,5],[5,0,5,6],[8,3,8,5],[9,4,9,5],[36,2,36,3],[6,3,6,5],[7,3,7,5],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["NEW JERSEY"]
["AAIS NEW JERSEY INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
["This rule applies only when the policy develops an annual policy premium of $2,500.\nThe following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY  NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure units and subsequent preventive measures","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E36)","v":0},{"$f":"SUM(F13:F36)","v":0}]
[null,null,"Combined Total",null,{"$f":"E37-F37","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"NM","index":18,"n_rows":35,"n_cols":7,"rows_kept":35,"cut":false,"hidden":false,"merged":[[28,4,28,5],[5,0,5,6],[8,3,8,5],[9,4,9,5],[27,2,27,3],[6,3,6,5],[7,3,7,5],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["NEW MEXICO"]
["AAIS NEW MEXICO INLAND MARINE IRPM RATING PLAN"]
["As of August  2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[" The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed. A credit or debit may be applied to recognize expenses that are less or more than standard. Expenses (other than commissions) may be \nconsidered, but must be documented in the underwriting file."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E12:E27)","v":0},{"$f":"SUM(F12:F27)","v":0}]
[null,null,"Combined Total",null,{"$f":"E28-F28","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"NY","index":19,"n_rows":37,"n_cols":7,"rows_kept":37,"cut":false,"hidden":false,"merged":[[30,4,30,5],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6],[5,0,5,6],[6,3,6,5],[7,3,7,5],[8,3,8,5],[9,4,9,5],[29,2,29,3]]}
["NEW YORK"]
["AAIS NEW YORK INLAND MARINE IRPM RATING PLAN"]
["As of August  2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[" The following individual risk premium modifications shall be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures. The modifications must be applied uniformly in a non\u0002discriminatory manner for all eligible classes of risk. These modifications  may not be applied to Personal Lines risks. \nIn order for this plan to be applied, the policy premium at basic limits before the application of modifications must be at least $2,500. The total amount of credits or debits developed using the following table shall not exceed 15%. The overall effect of this plan when used in conjunction with any other plan shall not, in the aggregate, provide for modification of rates in excess of 25%. Individual underwriting files shall contain the specific criteria, relative to the risk being rated, and document the particular circumstances that support each debit or credit. Convert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have beencompleted. \n"]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Building design, suitability for present use. Superior-Adequate-Inadequate Building structural features and protection features, suitability for present use. Superior-Adequate-Inadequate","10% +/-"]
[]
[null,null,"Building condition and maintenance including wiring, heating, plumbing, air conditioning, fire protection. Superior-Adequate-Inadequate Response to recommendations regarding building condition and maintenance. Superior-Adequate-Inadequate","10% +/-"]
[]
[null,null,"Surrounding premises, outside storage, exposure to insured property. High-Average-Low","10% +/-"]
[]
[null,null,"Access to premises, absence of traffic congestion, access roads, parking, terrain. Superior-Adequate-Inadequate","10% +/-"]
[]
[null,null," Operations, machinery, equipment, design, \n arrangement, suitability for present uses. \n Superior-Adequate-Inadequate \n Protective safeguards for operations and \n hazards. Superior-Adequate-Inadequate","10% +/-"]
[]
[null,null,"Condition of premises, machinery, equipment, and protective equipment. Superior-Adequate-Inadequate Response to recommendations regarding operations and equipment. Superior-Adequate-Inadequate","10% +/-"]
[null,null,null,null,null,null,"                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                "]
[null,null,"Storage Practices, susceptibility to damage. Superior-Adequate-Inadequate","10% +/-"]
[]
[null,null,"Employee selection, training and supervision. Sperior-Adequate-Indequate","5% +/-"]
[]
[null,null,"Loss consciousness and cooperation of management, supervisory personnel, and other employees. Superior-Adequate-Inadequate Emergency plans, procedures, training. Superior-Adequate-Inadequate","5% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E12:E28)","v":0},{"$f":"SUM(F12:F28)","v":0}]
[null,null,"Combined Total",null,{"$f":"E30-F30","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"OK","index":20,"n_rows":45,"n_cols":7,"rows_kept":45,"cut":false,"hidden":false,"merged":[[38,4,38,5],[6,0,6,6],[9,3,9,5],[10,4,10,5],[37,2,37,3],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["OKLAHOMA"]
["AAIS OKLAHOMA INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications shall be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E35)","v":0},{"$f":"SUM(F13:F35)","v":0}]
[null,null,"Combined Total",null,{"$f":"E38-F38","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"TX","index":21,"n_rows":45,"n_cols":7,"rows_kept":45,"cut":false,"hidden":false,"merged":[[38,4,38,5],[6,0,6,6],[9,3,9,5],[10,4,10,5],[37,2,37,3],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["TEXAS"]
["AAIS TEXAS INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 40%. Convert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E35)","v":0},{"$f":"SUM(F13:F35)","v":0}]
[null,null,"Combined Total",null,{"$f":"E38-F38","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"UT","index":22,"n_rows":45,"n_cols":7,"rows_kept":45,"cut":false,"hidden":false,"merged":[[38,4,38,5],[6,0,6,6],[9,3,9,5],[10,4,10,5],[37,2,37,3],[7,3,7,5],[8,3,8,5],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["UTAH"]
["AAIS UTAH INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
[" The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.\nThe plan must be applied uniformly in a non-discriminatory manner for all eligible classes or risks.\nWhen a risk is debited, an insured or applicant or their agent or broker, upon request, will be advised of the factors which resulted in the adverse rating.\nIndividual underwriting files must contain the specific criteria and document the particular circumstances of the risk that support each debit or credit.\nThis documentation must exist in the individually rated risk file to enable the Commissioner to verify compliance with the appropriate regulation.\nOnce the provisions of this plan have been applied to a risk and credit or debit established, no changes in established credit or debit can be made without appropriate justification and documentation."]
[null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,"POLICY NUMBER"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with recommendations with respect to structural features, segregation, and control of hazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Past losses relative to number of exposure units and subsequent preventive measures ","10% +/-"]
[]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E13:E35)","v":0},{"$f":"SUM(F13:F35)","v":0}]
[null,null,"Combined Total",null,{"$f":"E38-F38","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"VA ESR","index":23,"n_rows":40,"n_cols":17,"rows_kept":40,"cut":false,"hidden":false,"merged":[[33,5,33,6],[8,4,8,6],[9,5,9,6],[31,3,31,5],[1,0,1,8],[2,0,2,8],[3,0,3,8],[4,0,4,8],[5,0,5,8],[6,4,6,6],[7,4,7,6]]}
["Virginia",null,null,"VIRGINIA ESR"]
["AAIS VIRGINIA INLAND MARINE EQUIPMENT SALES AND RENTAL IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
["The following modifications shall apply to recognize special characteristics of the risk that the rate does not fully reflect.\nApply the credit or debit factors developed by the use of this rule to the total inland marine premium after all other rating procedures. The sum of credits or debits developed using the following table cannot exceed 50%.*\n*Per Underwriting 2/10/2023"]
[null,null,null,"NAMED INSURED","EFFECTIVE DATE",null,null,null,"POLICY NUMBER"]
[]
[null,null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,null,"REASONS"]
[null,null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,null,"CR","DB"]
[]
[null,null,null,"Equipment Inside Building - Special Perils --\nTheft potential, off-Premises exposures,\nTransit exposures","25% +/-"]
[]
[null,null,null,"Equipment Inside Building - Earthquake\nLoad -- Modified Mercalli Intensity scale,\nEarthquake Risk Score, ratio of sublimit to\ntotal limits","25% +/-",null,null,null,null,null,null,null,null,null,null,null,"`"]
[]
[null,null,null,"Equipment Inside Building - Flood Load --\nSpecial Flood Hazard Area (SFHA), Flood\nRisk Score, ratio of sublimit to total limits","25% +/-"]
[]
[null,null,null,"Equipment Outside Building - Basic Load –\nAdjacent exposures, adjacent area,\nweather exposures","15% +/-"]
[]
[null,null,null,"Equipment Outside Building - Special Perils\n-- Theft potential, off-Premises exposures,\nTransit exposures","25% +/-"]
[]
[null,null,null,"Equipment Outside Building - Earthquake\nLoad -- Modified Mercalli Intensity scale,\nEarthquake Risk Score, ratio of sublimit to\ntotal limits","25% +/-"]
[]
[null,null,null,"Equipment Outside Building - Flood Load --\nSpecial Flood Hazard Area (SFHA), Flood\nRisk Score, ratio of sublimit to total limits","25% +/-"]
[]
[null,null,null,"Miscellaneous protective features and\nhazards","10% +/-"]
[]
[null,null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,null,"Storage practices and hazardous\noperations","10% +/-"]
[null,null,null,null,null,null,null,{"$f":"SUM(H6:H29)","v":0}]
[null,null,null,"TOTAL CR / DB:",null,{"$f":"SUM(F13:F31)","v":0},{"$f":"SUM(G13:G31)","v":0}]
[null,null,null,"Combined Total",null,{"$f":"F33-G33","v":0}]
[]
[null,null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,null,"NOTES"]
[]
[null,null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"VA","index":24,"n_rows":43,"n_cols":7,"rows_kept":43,"cut":false,"hidden":false,"merged":[[36,4,36,5],[7,3,7,5],[8,4,8,5],[35,2,35,3],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6],[5,0,5,6],[6,0,6,6]]}
["Virginia",null,"VIRGINIA"]
["AAIS VIRGINIA INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
["The following modifications shall apply to recognize special characteristics of the risk that the rate does not fully reflect.\nApply the credit or debit factors developed by the use of this rule to the total inland marine premium after all other rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 50%*.                                                                        * Per Underwriting 2/10/2023"]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
[]
[null,null,"Expenses: Acquisition and underwriting expenses associated with the risk units and subsequent preventive measures","10% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E12:E34)","v":0},{"$f":"SUM(F12:F34)","v":0}]
[null,null,"Combined Total",null,{"$f":"E36-F36","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]

{"sheet":"VT","index":25,"n_rows":35,"n_cols":11,"rows_kept":35,"cut":false,"hidden":true,"merged":[[34,5,34,6],[7,4,7,6],[8,5,8,6],[33,2,33,4],[1,0,1,8],[2,0,2,8],[3,0,3,8],[4,0,4,8],[5,0,5,8],[6,0,6,8]]}
["VERMONT"]
["ISO COUNTRYWIDE IRPM RATING PLAN"]
["As of March 1, 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN",null,null,null,null,null,null,null,null,null,"Return to State Selection Sheet"]
["RATING INFORMATION FORM"]
["A schedule rating modification may also be applied to the otherwise chargeable premium in accordance with the following table, subject to a maximum credit of -50% or debit of +50%, to reflect such characteristics of the risk as are not reflected in its experience."]
[]
["RISK ",null,"DESCRIPTIONS",null,"MODIFICATIONS",null,null,null,"REASONS"]
["CHARACTERISTICS",null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,null,"CR","DB"]
["MANAGEMENT",null,"Cooperation in matters of",null,"18% +/-"]
[null,null,"safeguarding and property handling"]
[null,null,"of the property covered."]
[]
[]
["LOCATION",null,"Accessibility, congestion and",null,"16% +/-"]
[null,null,"exposures"]
[]
[]
["BUILDING FEATURES",null,"Age, condition and unusual",null,"14% +/-"]
[null,null,"structural features"]
[]
[]
["PREMISES AND",null,"Care, condition and type",null,"14% +/-"]
["EQUIPMENT"]
[]
[]
["EMPLOYEES",null,"Selection, training, supervision",null,"8% +/-"]
[null,null,"and experience"]
[]
[]
["PROTECTION",null,"Not otherwise recognized",null,"5% +/-"]
[]
[null,null,"TOTAL CR / DB:",null,null,{"$f":"SUM(F11:F33)","v":0},{"$f":"SUM(G11:G33)","v":0}]
[null,null,"Combined Total",null,null,{"$f":"F34-G34","v":0}]

{"sheet":"WA","index":26,"n_rows":44,"n_cols":7,"rows_kept":44,"cut":false,"hidden":false,"merged":[[37,4,37,5],[6,0,6,6],[8,3,8,5],[9,4,9,5],[36,2,36,3],[5,0,5,6],[0,0,0,6],[1,0,1,6],[2,0,2,6],[3,0,3,6],[4,0,4,6]]}
["WASHINGTON"]
["AAIS WASHINGTON INLAND MARINE IRPM RATING PLAN"]
["As of August 2023"]
["INDIVIDUAL RISK PREMIUM MODIFICATION PLAN"]
["RATING INFORMATION FORM"]
[]
["The following individual risk premium modifications can be applied to recognize special characteristics of the risk that are not fully reflected in the rating procedures.\nThe sum of credits or debits developed using the following table cannot exceed 25%.\nConvert the total credit or debit developed under this rule to a factor and apply to the total policy premium after all other rating procedures have been completed.\nThe insured or applicant, upon request, will be furnished information on the rating as requested by Washington Insurance Regulations.\nThe plan shall be administered and applied fairly to every eligible risk as required by Washington Insurance Regulations."]
[]
[null,null,"RISK VARIATIONS","MODIFICATIONS",null,null,"REASONS"]
[null,null,null,"RANGE","% APPLIED"]
[null,null,null,null,"CR","DB"]
[null,null,"Care and condition of equipment and premises","10% +/-"]
[]
[null,null,"Classification variations","10% +/-"]
[]
[null,null,"Cooperation of owners or operators with\nrecommendations with respect to structural\nfeatures, segregation, and control of\nhazards and maintenance of protective\nequipment","10% +/-"]
[]
[null,null,"Damage and susceptibility","10% +/-"]
[]
[null,null,"Dispersion or concentration","5% +/-"]
[]
[null,null,"Employees: selection, training, supervision,\nexperience","5% +/-"]
[]
[null,null,"Location: accessibility, congestion, and exposures","10% +/-"]
[]
[null,null,"Miscellaneous protective features or\nhazards","10% +/-"]
[]
[null,null,"Protective devices not otherwise reflected\nin rates","10% +/-"]
[]
[null,null,"Storage practices and hazardous\noperations","10% +/-"]
[]
[null,null,"Superior or inferior structural features","10% +/-"]
["PROTECTION"]
[null,null,"Past losses relative to number of exposure\nunits and subsequent preventive measures","10% +/-"]
[]
[]
[null,null,"TOTAL CR / DB:",null,{"$f":"SUM(E12:E34)","v":0},{"$f":"SUM(F12:F34)","v":0}]
[null,null,"Combined Total",null,{"$f":"E37-F37","v":0}]
[]
[null,null,"UNDERWRITER SIGNATURE","DATE"]
[]
[null,null,"NOTES"]
[]
[null,null,"DO NOT USE NEGATIVE NUMBERS WHEN APPLYING A CREDIT"]