U.D. 4: Materiales, técnicas y herramientas para la construcción

Section II: Limited Fungi, Wet or Dry Rot, or Bacteria Section II – Liability Coverage extends coverage and provides for a $50,000 Special Sub Limit under Coverage “E”.

B. Increased Sub Limits:

1. For and additional premium and subject to additional underwriting, the insured may request increased Section I sub limits. No increased Section II limits are available. Section I Coverage

Level

Additional Premium Section I Coverage Level Additional

Premium

Option 1 Option 2

$25,000 for each covered loss $50,000 for each covered loss

$50,000 Policy Aggregate

$80 $50,000 Policy Aggregate $115

2. Increased Section I limits are subject to underwriting review and must be submitted unbound. Limits will be endorsed effective the policy anniversary date. Midterm endorsements are not available.

3. The named insured may request increased limits with a signed and dated request specifying the level of coverage desired.

4. The Company may inspect the property prior to binding coverage.

Use Endorsement HO 03 33 – Fungi, Wet or Dry Rot, or Bacteria Increased Amount of Section I – Property Coverage.

370. R

P

– B

I

L

- L

Coverage E (Personal Liability) $100,000

Coverage F (Medical Payments to Others) $ 1,000

The premium for these limits is included in the BASE PREMIUM.

B. These limits may be increased to a maximum of $300,000 Coverage “E” ($500,000 with

prior underwriting approval) and $5,000 Coverage F. If increased limits are written, then the same limits must apply to any Other Exposures covered under the policy, unless otherwise stated.

C. Premium

Available Limits of Liability

Personal Liability $100,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $0 $3 $6 $8 $10 $20 Personal Liability $300,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $18 $21 $24 $27 $30 $45 Personal Liability $500,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $32 $35 $38 $41 $44 $59

Edition 6/2007 R20 Rating Note: When increased limits are written, then the same limits must apply to all Other Liability

Exposures covered under the policy.

371. P

I

Provides liability coverage for personal injury to others for offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry. Additional Premium - $15

Use Endorsement HO 24 83 – Personal Injury – Florida.

375. P

I

O

- R

P

- L

A. The policy may be endorsed to provide Coverages E & F for the increased exposure arising

from a permitted incidental occupancy on the residence premises only. Rate by selecting the appropriate premium from the table below.

B. See Rule 320. for eligibility.

C.

Premium

Available Limits of Liability

Personal Liability $100,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $12 $13 $14 $15 $16 $30 Personal Liability $300,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $18 $19 $20 $21 $22 $40 Personal Liability $500,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $24 $25 $26 $27 $28 $50

Note: When increased limits are written, then the same limits must apply to any Other Liability

Exposures covered under the policy.

Use Endorsement HO 04 42 Permitted Incidental Occupancies – Residence Premises.

380. O

S

R

T

O

- R

P

- L

A. The policy may be endorsed to provide coverage when a structure on the residence

premises is rented to others for dwelling purposes.

B. Refer to Rule 340. for rating Section I Coverage. C. Premium

Available Limits of Liability

Personal Liability $100,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $15 $16 $17 $19 $21 $40 Personal Liability $300,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $24 $25 $27 $28 $30 $60 Personal Liability $500,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $33 $35 $37 $39 $41 $75

Edition 6/2007 R21 Rating Note: When increased limits are written, then the same limits must apply to any Other Liability

Exposures covered under the policy.

Use Endorsement HO 04 40 - Structures Rented to Others – Residence Premises.

385. S

R

– P

A

When Olympus provides coverage on the primary and secondary premises under separate policies, the following premium adjustment should be made:

Reduce the BASE PREMIUM for the policy covering the secondary residence by the credit shown below:

Secondary Residence Personal Liability Premium Credit $19.

390. G

C

P

D

L

C

A. The policy may be endorsed to provide coverage for the liability of the insured arising out of

the use of a golf cart. Coverage does not apply to any golf cart while being used to carry persons for hire; for any business activity; rented to others; being operated in races; or being operated outside the boundaries of a recognized retirement community or limited access community unless such use is for golfing.

B. Physical damage losses will be settled at cash value at the time of loss up to a maximum of

$5,000.

C. Premium

Available Limits of Liability

Personal Liability $100,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $45 $46 $47 $48 $49 $56 Personal Liability $300,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $58 $59 $60 $61 $62 $67 Personal Liability $500,000 Med Pay $1,000 $2,000 $3,000 $4,000 $5,000 $10,000 Premium $71 $72 $73 $74 $75 $80

Note: When increased limits are written, then the same limits must apply to any Other Liability

Exposures covered under the policy.

Use Endorsement OL HO 151 – Golf Cart Coverage Endorsement.

391. I

T

E

C

A. The policy may be endorsed to provide coverage for expenses incurred by an insured as the

direct result of any one identity theft first discovered after the effective date of the endorsement and during the policy period.

B. Covered expenses include:

1. costs for notarizing affidavits or similar documents attesting to fraud required by financial institutions or similar credit grantors or credit agencies;

2. costs for certified mail to law enforcement agencies, financial institutions or similar credit grantors;

Edition 6/2007 R22 Rating

3. lost income up to $1,000 per week for five weeks for time taken off work to complete fraud affidavits, meet with or talk to law enforcement agencies, credit agencies and/or legal counsel and wrongful incarceration subject to all charges being dropped or an acquittal of the insured;

4. loan application fees for re-applying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information;

5. reasonable attorneys fees incurred as a result of identity theft to:

a. defend lawsuits brought against an insured by merchants, financial institutions or their collection agencies;

b. remove any criminal or civil judgments wrongly entered against an insured; and c. challenge the accuracy or completeness of any information in a consumer credit

report;

6. charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial institutions or similar credit grantors or credit agencies to report or discuss an actual identity theft.

7. costs of daycare and eldercare incurred solely as a direct result of covered identity theft;

C. Resolution Services provides a personal advocate experienced in resolving issues related to

identity theft, ordering credit report, alerting credit reporting agencies, preparing necessary documentation and letters and when the insured has online and email access providing credit and fraud monitoring;

D. Coverage is subject to an aggregate limit of $25,000 for expenses incurred by an insured as

a direct result of any one identity theft first discovered by the insured on or after the effective date of the endorsement and during the policy period. There is also a special sub-limit, subject to the $25,000 aggregate limit, of $1000 a week for a maximum period of five weeks for lost wages.

E. Exclusion include:

1. loss arising out of or in connection with a business;

2. expenses incurred due to any fraudulent, dishonest or criminal act by an insured or any person acting in concert with an insured or by any authorized representative of an insured, whether acting alone or in collusion with others;

3. loss other than expenses or resolution services;

4. loss for credit card, fund transfer card, forgery, counterfeit money or fund transfer or access device;

5. loss caused when an occupant of the residence premises or a blood relative of the insured has committed the identity theft;

6. loss caused when a residence employee has committed the identity theft.

E. The annual premium for this additional coverage is $25.00.

Edition 6/2007 S1 Surcharge

P

S

600. E

M

P

A

T

F

S

business.

B. This surcharge is non-commissionable.

610. C

P

I

C

A

No Citizens Insurance Corporation Regular Assessments currently apply. See Policy Declarations for Emergency Assessments.

620. F

H

C

F

A

See Policy Declarations for any assessments.

630. F

I

G

F

A

.

No assessments currently apply.

640. P

F

A. On business written pursuant to the provisions of Section 626.7541 of the Florida Statutes, a

twenty-five ($25) policy fee will be charged to every policy on new or renewal business. The policy fee will be a component of the company’s rate filing and it shall be fully earned.

B. The policy fee is non-commissionable.

650. H

P

C

The Hurricane Premium example printed on the Declarations is derived by multiplying the Total Policy Premium (no MGA, EMPA fees or Assessments) by the Territorial Hurricane Percentage presented on the base rate pages of this manual.

Edition 6/2007 T1 SHO-3 1 Rate Tables