Filing at a Glance - ambest.com · Product Name: Farmowners Project Name/Number: Revised base rates/10-75 2. 20% on Coverage G - Unscheduled Farm Personal Property in Territory 5

PDF Pipeline for SERFF Tracking Number CLBA-126846638 Generated 10/20/2010 07:24 AM

SERFF Tracking Number: CLBA-126846638 State: Arkansas

First Filing Company: Columbia National Insurance Company, ... State Tracking Number: EFT $100

Company Tracking Number: CIG-FMP-10-R01

TOI: 03.0 Personal Farmowners Sub-TOI: 03.0000 Personal Farmowners

Product Name: Farmowners

Project Name/Number: Revised base rates/10-75

Filing at a Glance

Companies: Columbia National Insurance Company, Columbia Mutual Insurance Company

Product Name: Farmowners SERFF Tr Num: CLBA-126846638 State: Arkansas

TOI: 03.0 Personal Farmowners SERFF Status: Closed-Filed State Tr Num: EFT $100

Sub-TOI: 03.0000 Personal Farmowners Co Tr Num: CIG-FMP-10-R01 State Status: Fees verified and

received

Filing Type: Rate/Rule Reviewer(s): Becky Harrington,

Betty Montesi, Nancy Horton

Authors: Dennis McVay, Christina

Walker, DeeDee Williams, Erika

Rice

Disposition Date: 10/20/2010

Date Submitted: 10/15/2010 Disposition Status: Filed

Effective Date Requested (New): 01/01/2011 Effective Date (New): 01/01/2011

Effective Date Requested (Renewal): 02/01/2011 Effective Date (Renewal):

02/01/2011

State Filing Description:

General Information

Project Name: Revised base rates Status of Filing in Domicile:

Project Number: 10-75 Domicile Status Comments:

Reference Organization: N/A Reference Number: N/A

Reference Title: N/A Advisory Org. Circular: N/A

Filing Status Changed: 10/20/2010

State Status Changed: 10/15/2010 Deemer Date:

Created By: DeeDee Williams Submitted By: DeeDee Williams

Corresponding Filing Tracking Number:

Filing Description:

Filing revised manual pages GR-8, AR-3, AR-4. AR-9, AR-10, AR-24, AR-29 and Supplemental AR-1 which we propose

to use in our Farmowners Policy Program, as well as revised manual pages GR-8, AR-3, AR-5, AR-19, AR-24 and

Supplemental AR-1 to use in our Preferred Farmowners Policy Program. Please note that we have revised our language

for Wood-Burning Heating Systems to better clarify that we only allow anxiliary wood heating of either stoves or

furnaces. Further note that we increased our base dwelling rates as follows:

1. 10% on FO-3 in Territory 3 and 5% in Territory 5.








2. 20% on Coverage G - Unscheduled Farm Personal Property in Territory 5.

3. 10% on Coverage F - Scheduled Farm Personal Property in Territory 3 and 20% in Territory 5.

4. 10% on Farm Machinery Coverage - Open Perils in Territory 3 and 20% in Territory 5.

This will have an overall premium effect of +5.8%.

Company and Contact

Filing Contact Information

DeeDee Williams, Asst. Analyst [email protected]

2102 White Gate Drive 573-474-6193 [Phone] 1261 [Ext]

P O Box 618 800-836-5713 [FAX]

Columbia, MO 65205

Filing Company Information

Columbia National Insurance Company CoCode: 19640 State of Domicile: Nebraska

2102 White Gate Drive Group Code: 807 Company Type: Stock

P O Box 618 Group Name: Columbia Insurance

Group

State ID Number: 03

Columbia, MO 65205 FEIN Number: 47-0685688

(573) 474-6193 ext. [Phone]

---------

Columbia Mutual Insurance Company CoCode: 40371 State of Domicile: Missouri

2102 White Gate Drive Group Code: 807 Company Type: Mutual

P O Box 618 Group Name: Columbia Insurance

Group

State ID Number: 03

Columbia, MO 65205 FEIN Number: 43-0790393

(573) 474-6193 ext. [Phone]

---------

Filing Fees

Fee Required? Yes

Fee Amount: $100.00

Retaliatory? No

Fee Explanation:

Per Company: No








COMPANY AMOUNT DATE PROCESSED TRANSACTION #

Columbia National Insurance Company $100.00 10/15/2010 40774576

Columbia Mutual Insurance Company $0.00 10/15/2010








Correspondence Summary

Dispositions

Status Created By Created On Date Submitted

Filed Becky Harrington 10/20/2010 10/20/2010

Objection Letters and Response Letters

Objection Letters Response Letters

Status Created By Created On Date Submitted Responded By Created On Date Submitted

Pending

Industry

Response

Becky

Harrington10/15/2010 10/15/2010 DeeDee Williams 10/18/2010 10/18/2010

Amendments

Schedule Schedule Item Name Created By Created On Date Submitted

Rate Withdraw DeeDee Williams 10/19/2010 10/19/2010

Supporting

Document

Comparison Copies DeeDee Williams 10/19/2010 10/19/2010








Disposition

Disposition Date: 10/20/2010

Effective Date (New): 01/01/2011

Effective Date (Renewal): 02/01/2011

Status: Filed

Comment:

Company Name: Overall %

Indicated

Change:

Overall % Rate

Impact:

Written

Premium

Change for

this

Program:

# of Policy

Holders

Affected for this

Program:

Written

Premium for

this Program:

Maximum %

Change (where

required):

Minimum %

Change (where

required):

Columbia National

Insurance Company13.900% 5.800% $18,448 61 $318,071 % %

Columbia Mutual

Insurance Company13.900% 5.800% $92,140 391 $1,588,618 % %

Overall Rate Information for Multiple Company Filings

Overall Percentage Rate Indicated For This Filing 13.900%

Overall Percentage Rate Impact For This Filing 5.800%

Effect of Rate Filing-Written Premium Change For This Program $110,588

Effect of Rate Filing - Number of Policyholders Affected 452








Schedule Schedule Item Schedule Item Status Public Access

Supporting Document (revised) Form RF-1 NAIC Loss Cost Data Entry

Document--All P&C LinesFiled Yes

Supporting Document Form RF-1 NAIC Loss Cost Data Entry

Document--All P&C LinesYes

Supporting Document NAIC Loss Cost Filing Document for

OTHER than Workers' CompYes

Supporting Document P&C Actuarial Justification Filed Yes

Supporting Document (revised) Comparison Copies Filed Yes

Supporting Document Comparison Copies Yes

Supporting Document 5 Year Exhibits Filed Yes

Supporting Document Arkansas FMP Comparison Territorial

Loss RatiosFiled Yes

Rate (revised) Withdraw Filed Yes

Rate CMI - Revised manual page Yes

Rate CMI - Revised manual pages Filed Yes

Rate CMI - Revised manual pages Filed Yes

Rate CMI - Revised manual page Filed Yes



Rate Pref - Revised manual page Filed Yes













Objection Letter

Objection Letter Status Pending Industry Response

Objection Letter Date 10/15/2010

Submitted Date 10/15/2010

Respond By Date

Dear DeeDee Williams,

This will acknowledge receipt of the captioned filing.

Objection 1

- Form RF-1 NAIC Loss Cost Data Entry Document--All P&C Lines (Supporting Document)

Comment: Please complete the expense portion of the form.

Objection 2

Comment: Please provide loss ratios by territory in order to justify the different percentage increases for FO-3.

Please feel free to contact me if you have questions.

In accordance with Regulation 23, Section 7.A., this filing may not be implemented until 20 days after the requested

amendment(s) and/or information is received.

Sincerely,

Becky Harrington

-








Response Letter

Response Letter Status Submitted to State

Response Letter Date 10/18/2010

Submitted Date 10/18/2010

Dear Becky Harrington,

Comments:

Pllease see our comments below regarding your objection.

Response 1Comments: Attached are revised RF-1 forms. We have completed the expense portion.

Related Objection 1

Applies To:

Form RF-1 NAIC Loss Cost Data Entry Document--All P&C Lines (Supporting Document)

Comment:

Please complete the expense portion of the form.

Changed Items:

Supporting Document Schedule Item Changes

Satisfied -Name: Form RF-1 NAIC Loss Cost Data Entry Document--All P&C Lines

Comment:

No Form Schedule items changed.

No Rate/Rule Schedule items changed.

Response 2Comments: Please see attached exhibit per your request.

Related Objection 1

Comment:

Please provide loss ratios by territory in order to justify the different percentage increases for FO-3.

Changed Items:








Supporting Document Schedule Item Changes

Satisfied -Name: Arkansas FMP Comparison Territorial Loss Ratios

Comment:

No Form Schedule items changed.

No Rate/Rule Schedule items changed.

Sincerely,

Christina Walker, DeeDee Williams, Dennis McVay, Erika Rice








Amendment Letter

Submitted Date: 10/19/2010

Comments:

We filed GR-8 in our Standard (CMI) program in error. We are withdrawing this revised manual page from our filing. I

have attached a corrected comparison copy (CMI).

I apologize for any inconvenience.

Changed Items:

Rate/Rule Schedule Item Changes:

Exhibit Name: Rule # or Rate Previous State Attach

Page #: Action: Filing Number: Document:

Withdraw GR-8 Withdrawn

Supporting Document Schedule Item Changes:

User Added -Name: Comparison Copies

Comment:

Comparison copies - CNI.pdf

Comparison copies - CMI.pdf








Rate InformationRate data applies to filing.

Filing Method: File and Use

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: -0.200%

Effective Date of Last Rate Revision: 09/01/2009

Filing Method of Last Filing: File and Use

Company Rate InformationCompany Name: Overall %

Indicated

Change:

Overall % Rate

Impact:

Written

Premium

Change for

this

Program:

# of Policy

Holders

Affected for this

Program:

Written

Premium for

this Program:

Maximum %

Change (where

required):

Minimum %

Change (where

required):

Columbia National

Insurance Company13.900% 5.800% $18,448 61 $318,071 % %

Columbia Mutual

Insurance Company13.900% 5.800% $92,140 391 $1,588,618 % %

Overall Rate Information for Multiple Company FilingsOverall % Rate Indicated: 13.900%

Overall Percentage Rate Impact For This Filing: 5.800%

Effect of Rate Filing - Written Premium Change For This Program: $110,588








Effect of Rate Filing - Number of Policyholders Affected: 452








Rate/Rule Schedule

Schedule Item

Status:

Exhibit Name: Rule # or Page

#:

Rate Action Previous State Filing

Number:

Attachments

Filed 10/20/2010 Withdraw GR-8 Withdrawn

Filed 10/20/2010 CMI - Revised manual

pagesAR-3 & AR-4 Replacement AR 3-4.pdf


pagesAR-9 & AR-10 Replacement AR 9-10.pdf


pageAR-24 Replacement AR-24.pdf




pageSupplemental

AR-1

Replacement Supplemental AR-

1.pdf

Filed 10/20/2010 Pref - Revised manual

pageGR-8 Replacement GR-8.pdf

















pageSupplemental

AR-1

Replacement Supplemental AR-

1.pdf

FARMOWNERS POLICY PROGRAMBASE PREMIUM TABLE

TERRITORY 3

$500 Deductible/ All Perils FRAME Annual PremiumAmount of Type 1 Type 2 Type 3Insurance FO-1 FO-2 FO-3 FO-1 FO-2 FO-3 FO-1 FO-2

Premium Group 2 2 2 4 4 4 6 6

$20,000 783 826 1,174 1,239

$22,000 797 841 1,196 1,262

$24,000 812 856 1,218 1,285

$25,000 819 864 942 994 1,046 1,228 1,296

$26,000 826 872 950 1,003 1,056 1,239 1,308

$28,000 841 887 967 1,020 1,074 1,261 1,331

$30,000 855 902 950 984 1,038 1,093 1,283 1,354

$32,000 870 918 966 1,000 1,056 1,111 1,305 1,377

$34,000 884 933 982 1,017 1,073 1,130 1,326 1,400

$36,000 899 948 999 1,034 1,091 1,148 1,348 1,423

$38,000 913 964 1,015 1,051 1,108 1,167 1,370 1,446

$40,000 928 979 1,031 1,067 1,126 1,185 1,392 1,469

$42,000 942 994 1,047 1,084 1,144 1,204 1,414 1,492

$44,000 957 1,010 1,063 1,101 1,161 1,223 1,435 1,515

$46,000 971 1,025 1,079 1,117 1,179 1,241 1,457 1,538

$48,000 986 1,040 1,095 1,134 1,196 1,260 1,479 1,561

$50,000 1,000 1,056 1,111 1,151 1,214 1,278 1,501 1,584

$52,000 1,015 1,071 1,128 1,167 1,232 1,297 1,522 1,607

$54,000 1,029 1,086 1,144 1,184 1,249 1,315 1,544 1,630

$56,000 1,044 1,102 1,160 1,201 1,267 1,334 1,566 1,653

$58,000 1,059 1,117 1,176 1,218 1,285 1,352 1,588 1,676

$60,000 1,073 1,132 1,192 1,234 1,302 1,371 1,610 1,699

$65,000 1,125 1,187 1,250 1,294 1,365 1,437 1,688 1,781

$70,000 1,179 1,244 1,309 1,356 1,431 1,506 1,768 1,866

$75,000 1,231 1,299 1,367 1,416 1,494 1,572 1,846 1,948

$80,000 1,300 1,372 1,444 1,496 1,578 1,661 1,950 2,058

$85,000 1,370 1,445 1,522 1,575 1,662 1,750 2,055 2,168

$90,000 1,439 1,518 1,599 1,655 1,746 1,839 2,159 2,278

$95,000 1,509 1,592 1,676 1,735 1,831 1,927 2,263 2,388

$100,000 1,578 1,665 1,753 1,815 1,915 2,016 2,367 2,498

$110,000 1,704 1,798 1,893 1,960 2,068 2,177 2,556 2,698

$120,000 1,846 1,948 2,051 2,124 2,241 2,359 2,769 2,923

$130,000 1,973 2,081 2,191 2,269 2,394 2,520 2,959 3,123

For Each Add'l $10,000 add: 157.80 166.50 175.30 181.50 191.50 201.60 236.70 249.80

For optional deductible factors, see the Deductibles section of this manual.Note: - Type 1 amounts for less than $30,000 apply only to Coverage A mobile homes.

Farmowners (1-11) AR-3 CIG


TERRITORY 3

$500 Deductible/ All Perils MASONRY Annual PremiumAmount of Type 1 Type 2 Type 3Insurance FO-1 FO-2 FO-3 FO-1 FO-2 FO-3 FO-1 FO-2


$20,000 1,002 1,057

$22,000 1,021 1,077

$24,000 1,039 1,096

$25,000 819 864 910 1,048 1,106

$26,000 826 872 918 1,058 1,116

$28,000 841 887 934 1,076 1,135

$30,000 727 767 808 855 902 950 1,095 1,155

$32,000 739 780 821 870 918 966 1,113 1,175

$34,000 751 793 835 884 933 982 1,132 1,194

$36,000 764 806 849 899 948 999 1,151 1,214

$38,000 776 819 862 913 964 1,015 1,169 1,233

$40,000 789 832 876 928 979 1,031 1,188 1,253

$42,000 801 845 890 942 994 1,047 1,206 1,273

$44,000 813 858 904 957 1,010 1,063 1,225 1,292

$46,000 826 871 917 971 1,025 1,079 1,244 1,312

$48,000 838 884 931 986 1,040 1,095 1,262 1,331

$50,000 850 897 945 1,000 1,056 1,111 1,281 1,351

$52,000 863 910 958 1,015 1,071 1,128 1,299 1,371

$54,000 875 923 972 1,029 1,086 1,144 1,318 1,390

$56,000 887 936 986 1,044 1,102 1,160 1,336 1,410

$58,000 900 949 999 1,059 1,117 1,176 1,355 1,429

$60,000 912 962 1,013 1,073 1,132 1,192 1,374 1,449

$65,000 956 1,009 1,062 1,125 1,187 1,250 1,440 1,519

$70,000 1,002 1,057 1,113 1,179 1,244 1,309 1,509 1,592

$75,000 1,046 1,104 1,162 1,231 1,299 1,367 1,576 1,662

$80,000 1,105 1,166 1,228 1,300 1,372 1,444 1,664 1,756

$85,000 1,164 1,228 1,293 1,370 1,445 1,522 1,753 1,850

$90,000 1,223 1,290 1,359 1,439 1,518 1,599 1,842 1,943

$95,000 1,282 1,353 1,424 1,509 1,592 1,676 1,931 2,037

$100,000 1,341 1,415 1,490 1,578 1,665 1,753 2,020 2,131

$110,000 1,448 1,528 1,609 1,704 1,798 1,893 2,182 2,301

$120,000 1,569 1,656 1,743 1,846 1,948 2,051 2,363 2,493

$130,000 1,676 1,769 1,863 1,973 2,081 2,191 2,525 2,664

For Each Add'l $10,000 add: 134.10 141.50 149.00 157.80 166.50 175.30 202.00 213.10

For optional deductible factors, see the Deductibles section of this manual.



TERRITORY 5


Premium Group 14 14 14 16 16 16 18 18

$20,000 826 872 1,239 1,308

$22,000 841 888 1,262 1,332

$24,000 856 904 1,285 1,356

$25,000 864 912 994 1,049 1,104 1,296 1,369

$26,000 872 920 1,003 1,059 1,114 1,308 1,381

$28,000 887 937 1,020 1,077 1,134 1,331 1,405

$30,000 902 953 1,003 1,038 1,096 1,153 1,354 1,429

$32,000 918 969 1,020 1,056 1,115 1,173 1,377 1,454

$34,000 933 985 1,037 1,073 1,133 1,193 1,400 1,478

$36,000 948 1,001 1,054 1,091 1,152 1,212 1,423 1,502

$38,000 964 1,018 1,071 1,108 1,170 1,232 1,446 1,526

$40,000 979 1,034 1,088 1,126 1,189 1,251 1,469 1,551

$42,000 994 1,050 1,105 1,144 1,208 1,271 1,492 1,575

$44,000 1,010 1,066 1,122 1,161 1,226 1,290 1,515 1,599

$46,000 1,025 1,082 1,139 1,179 1,245 1,310 1,538 1,623

$48,000 1,040 1,098 1,156 1,196 1,263 1,330 1,561 1,648

$50,000 1,056 1,115 1,173 1,214 1,282 1,349 1,584 1,672

$52,000 1,071 1,131 1,190 1,232 1,301 1,369 1,607 1,696

$54,000 1,086 1,147 1,207 1,249 1,319 1,388 1,630 1,720

$56,000 1,102 1,163 1,224 1,267 1,338 1,408 1,653 1,745

$58,000 1,117 1,179 1,241 1,285 1,356 1,427 1,676 1,769

$60,000 1,132 1,195 1,258 1,302 1,375 1,447 1,699 1,793

$65,000 1,187 1,253 1,319 1,365 1,442 1,517 1,781 1,880

$70,000 1,244 1,313 1,382 1,431 1,510 1,590 1,866 1,970

$75,000 1,299 1,371 1,443 1,494 1,577 1,660 1,948 2,057

$80,000 1,372 1,449 1,524 1,578 1,666 1,753 2,058 2,173

$85,000 1,445 1,526 1,606 1,662 1,755 1,847 2,168 2,289

$90,000 1,518 1,603 1,687 1,746 1,844 1,941 2,278 2,405

$95,000 1,592 1,681 1,769 1,831 1,933 2,034 2,388 2,521

$100,000 1,665 1,758 1,850 1,915 2,022 2,128 2,498 2,637

$110,000 1,798 1,899 1,998 2,068 2,184 2,298 2,698 2,848

$120,000 1,948 2,057 2,165 2,241 2,366 2,490 2,923 3,085

$130,000 2,081 2,198 2,313 2,394 2,528 2,660 3,123 3,296

For Each Add'l $10,000 add: 166.50 175.80 185.00 191.50 202.20 212.80 249.80 263.70




TERRITORY 5


Premium Group 13 13 13 15 15 15 17 17

$20,000 1,057 1,116

$22,000 1,077 1,137

$24,000 1,096 1,157

$25,000 864 912 960 1,106 1,168

$26,000 872 920 969 1,116 1,178

$28,000 887 937 986 1,135 1,199

$30,000 767 810 853 902 953 1,003 1,155 1,220

$32,000 780 823 867 918 969 1,020 1,175 1,240

$34,000 793 837 882 933 985 1,037 1,194 1,261

$36,000 806 851 896 948 1,001 1,054 1,214 1,282

$38,000 819 865 910 964 1,018 1,071 1,233 1,302

$40,000 832 878 925 979 1,034 1,088 1,253 1,323

$42,000 845 892 939 994 1,050 1,105 1,273 1,344

$44,000 858 906 954 1,010 1,066 1,122 1,292 1,364

$46,000 871 920 968 1,025 1,082 1,139 1,312 1,385

$48,000 884 933 983 1,040 1,098 1,156 1,331 1,406

$50,000 897 947 997 1,056 1,115 1,173 1,351 1,427

$52,000 910 961 1,012 1,071 1,131 1,190 1,371 1,447

$54,000 923 975 1,026 1,086 1,147 1,207 1,390 1,468

$56,000 936 988 1,041 1,102 1,163 1,224 1,410 1,489

$58,000 949 1,002 1,055 1,117 1,179 1,241 1,429 1,509

$60,000 962 1,016 1,070 1,132 1,195 1,258 1,449 1,530

$65,000 1,009 1,065 1,122 1,187 1,253 1,319 1,519 1,604

$70,000 1,057 1,116 1,175 1,244 1,313 1,382 1,592 1,681

$75,000 1,104 1,165 1,227 1,299 1,371 1,443 1,662 1,755

$80,000 1,166 1,231 1,296 1,372 1,449 1,524 1,756 1,854

$85,000 1,228 1,297 1,365 1,445 1,526 1,606 1,850 1,953

$90,000 1,290 1,363 1,435 1,518 1,603 1,687 1,943 2,052

$95,000 1,353 1,428 1,504 1,592 1,681 1,769 2,037 2,151

$100,000 1,415 1,494 1,573 1,665 1,758 1,850 2,131 2,250

$110,000 1,528 1,614 1,699 1,798 1,899 1,998 2,301 2,430

$120,000 1,656 1,748 1,840 1,948 2,057 2,165 2,493 2,633

$130,000 1,769 1,868 1,966 2,081 2,198 2,313 2,664 2,813

For Each Add'l $10,000 add: 141.50 149.40 157.30 166.50 175.80 185.00 213.10 225.00



FARMOWNERS POLICY PROGRAM


Territory Territory Territory 3 4 5 Coverage F - Scheduled Farm Personal Property Household Contents Mobile Home 27.02 25.85 32.57 Type 1 Dwelling 11.89 11.40 14.39 Type 2 Dwelling 17.84 17.04 21.50 Type 3 Dwelling 19.71 18.80 23.69 Combines and Cotton Pickers 13.51 12.93 16.28 Grain (covered only for loss by fire while in the open) 10.21 9.75 12.26 Hay, Straw and Fodder - In Building 25.20 24.09 30.38 Hay, Straw and Fodder - In the Open 10.02 9.58 12.06 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps and Motors 5 Towers or Less 10.92 10.58 13.46 6 or More Towers 13.51 12.93 16.28 All Other Type Systems 8.34 8.23 10.64 Livestock & Poultry 9.24 8.81 11.14 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 8.72 8.34 10.50 Undescribed (Including Tools & Supplies) (Limited to $2,500 on Any One Item) 9.24 8.81 11.14 Borrowed, Rented or Leased 9.24 8.81 11.14 Micro Utility Vehicles – (MUT) 17.45 16.68 21.00 Portable Buildings and Portable Structures 21.40 20.45 25.73 Submersible Pumps 33.67 32.20 40.54 Tobacco in Barns 11.57 11.05 13.88 Other Farm Personal Property (Excludes windstorm or hail loss to farm produce in stacks, shocks or swaths) 10.21 9.75 12.26 Coverage G - Unscheduled Farm Personal Property (Limit on Livestock not to exceed $2,500 on any one head)

Minimum Amount - $50,000 - 100% Coinsurance

$50,000 to $100,000 7.34 7.76 9.80 $100,001 to 200,000 6.82 7.17 9.02 Over $200,000 6.17 6.46 8.18 When Coverage G inventory does not include any livestock, grain or feed, a notation will be made on

the policy declarations to show the additional excluded property.



FARM EXTRA EXPENSE Coverage can be added for the expenses incurred in order to resume or continue normal farming operations that were interrupted as the result of direct physical loss by a peril insured against to property covered under Coverages E, F, or G. The rate per $1000 of insurance is $38.78. Make an entry on the declarations page or a schedule to show the limit for the extra expense coverage in Form FO-6.

FARM MACHINERY COVERAGE - OPEN PERILS

Coverage for farm machinery can be provided for all risks of direct physical loss, with exceptions. A 100% coinsurance requirement applies to all covered property. Use the rating information shown below. If coverage applies on a scheduled basis, describe the covered property and make entries to show the limits that apply. Higher deductible credits apply to this coverage.

Rate per $1,000 of insurance with $500 deductible Territory Territory Territory 3 4 5 Scheduled Farm Personal Property Combines, Cotton Pickers 14.80 14.10 17.70 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 9.37 8.93 11.21 Undescribed (Including tools & supplies) (Limited to $2,500 on Any One Item) 9.89 9.40 11.84 Borrowed, Rented or Leased 9.89 9.40 11.84 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps & Motors 5 Towers or Less 12.21 11.75 14.88 6 or More Towers 14.80 14.10 17.70 All Other Type Systems 9.63 9.40 12.06 Attach Endorsement FO-560 Farm Machinery HEATING CHARGES Heating Charges – Additional Dwellings, Farm Barns and Outbuildings

Heating charges apply to both building and contents. Charges are not cumulative. If more than one kind of heat is used, use the higher charge only.

Gas or Electric: Gas or electric brooders and heating stoves or gas or portable electric heating devices of any description (other than electric light or heat bulbs): $0.13 per $100 of insurance.

Other: Wood, coal or oil burning brooder or heating stoves: $0.94 per $100 of insurance.

NOTE: No charge if building is unheated or if heated by permanently installed warm air

furnace, hot water or steam heating plant set on an incombustible base and venting to standard chimney and with no other type of heating device in the building.

FARMOWNERS POLICY PROGRAMCLASSIFICATION AND KEY FACTOR TABLES

KEY FACTORS: FO-1, FO-2 & FO-3Coverage

AAmount Code FACTOR

CoverageA

Amount Code FACTOR

CoverageA

Amount Code FACTOR

CoverageA

Amount Code FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650

$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700

$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750

$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800

$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850

$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900

$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950

$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350

$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400

$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L

$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10

$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600

KEY FACTORS: FO-4Coverage

CAmount Code FACTOR

CoverageC

Amount Code FACTOR

CoverageC

Amount Code FACTOR

CoverageC

Amount Code FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050

$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100

$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150

$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800

$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850

$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L

$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240

$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000

FORM FACTORSFO-1 FO-2 FO-3

0.900 0.950 1.000

BUILDING TYPE - CONSTRUCTION TERRITORY KEY PREMIUMSCLASS FACTORS FO-3 FO-4

Bldg. Territory Key Premium Key PremiumType Const. Factor 3 1753 201

M 0.85 4 1679 212

F 1.00 5 1850 222M 1.00

F 1.15

M 1.28

F 1.50

1

2

3

Farmowners (1-11)Supplemental

AR - 1 CIG


Arkansas Preferred Farmowners (1-11) GR-8 CIG

• Roof Covering – The roof must be of composition, wood or tile shingles in good condition and if composition not over 15 years old. Some new metal type roofing may be acceptable, contact underwriter.

• Siding – The siding must be of masonry, brick, veneer, stone, concrete, concrete block, tile, frame, aluminum, vinyl or steel.

• Wiring – The dwelling must have a minimum of one circuit per room with the exception of the kitchen. The kitchen must have a minimum of two circuits, plus heavy-duty circuits as required for electric stoves, electric air conditioners, electric water heaters and electric clothes dryers. Wiring must meet local building codes and installed by a competent electrician.

Wood, coal, gas or oil fueled stoves are “NOT” acceptable as the primary heating plant, but may be acceptable as supplemental heat to an approved system.

Wood-Burning Heating Systems Wood-burning stoves and furnaces may be acceptable as supplemental auxiliary heat, but not as

a primary heating source. They must be professionally installed and properly vented to a tile lined masonry chimney constructed from the ground up and setting on its own masonry foundation or to a UL approved insulated or triple wall pipe. The dwelling must have an approved roof covering. A photograph of the wood-burning stove, or furnace and thimble must be submitted along with form SHQ-1, Supplemental Heating Questionnaire.

Barns and Outbuildings - See Underwriting Section for minimum amounts Type 1

• Superior characteristics and in excellent repair. • All metal construction (tanks, bins and Quonsets). • Fully enclosed and securely bolted on a continuous mortared masonry or concrete foundation. • All steel grain storage structures designed & used exclusively as bulk storage of grain. When

grain storage structures are attached by augers or spouts to an elevator leg assembly, and/or drying equipment or to one another, classify the entire structure as a grain complex and insured as one item.

Type 2A • Superior characteristics and in excellent repair. • Steel, pole or frame construction covered with metal roofing and sidewalls. • Building must be fully enclosed and have a pole or continuous concrete wall foundation. • Contain no grain, hay or straw storage. • Buildings containing a shop area must be rated as a Type 2B structure.

Type 2B • Better than average characteristics and maintenance. • Steel, pole or frame construction covered with composition or metal roofing and steel, metal,

frame or masonry sidewalls. • Fully enclosed structure with no open sheds attached. • Hay or straw storage is permitted.

dwilliams

Highlight


TERRITORY 3$500 Deductible/ All Perils Annual Premium

Amount of Frame MasonryInsurance FO-1 FO-2 FO-3 FO-1 FO-2 FO-3

Premium Group 2 2 2 1 1 1

$20,000 665 702

$22,000 677 715

$24,000 690 728

$26,000 702 741

$28,000 714 754

$30,000 727 767

$32,000 739 780

$34,000 751 793

$36,000 764 806

$38,000 776 819

$40,000 789 832 876 670 707 745

$42,000 801 845 890 681 718 757

$44,000 813 858 904 691 729 768

$46,000 826 871 917 702 741 780

$48,000 838 884 931 712 752 792

$50,000 850 897 945 723 763 803

$55,000 881 930 979 749 790 832

$60,000 912 962 1,013 775 818 862

$65,000 956 1,009 1,062 813 858 903

$70,000 1,002 1,057 1,113 852 899 946

$75,000 1,046 1,104 1,162 889 938 988

$80,000 1,105 1,166 1,228 939 991 1,044

$85,000 1,164 1,228 1,293 990 1,044 1,100

$90,000 1,223 1,290 1,359 1,040 1,097 1,156

$95,000 1,282 1,353 1,424 1,090 1,150 1,211

$100,000 1,341 1,415 1,490 1,140 1,203 1,267

$110,000 1,448 1,528 1,609 1,231 1,299 1,368

$120,000 1,569 1,656 1,743 1,334 1,408 1,482

$130,000 1,676 1,769 1,863 1,425 1,504 1,584

$140,000 1,810 1,910 2,012 1,539 1,624 1,710

$150,000 1,944 2,052 2,161 1,653 1,744 1,837

$160,000 2,079 2,193 2,310 1,767 1,865 1,964

$170,000 2,213 2,335 2,459 1,881 1,985 2,091

For Each Add'l

$10,000 add: 134.10 141.50 149.00 114.00 120.30 126.70For optional deductible factors, see the Deductibles section of this manual.Note: - Type 1 amounts for less than $40,000 apply only to Coverage A mobile homes.

Preferred Farmowners (1-11) AR-3 CIG




Premium Group 14 14 14 13 13 13

$20,000 702 741

$22,000 715 755

$24,000 728 769

$26,000 741 782

$28,000 754 796

$30,000 767 810

$32,000 780 823

$34,000 793 837

$36,000 806 851

$38,000 819 865

$40,000 832 878 925 707 747 786

$42,000 845 892 939 718 758 798

$44,000 858 906 954 729 770 811

$46,000 871 920 968 741 782 823

$48,000 884 933 983 752 793 835

$50,000 897 947 997 763 805 848

$55,000 930 982 1,033 790 834 878

$60,000 962 1,016 1,070 818 864 909

$65,000 1,009 1,065 1,122 858 906 953

$70,000 1,057 1,116 1,175 899 949 999

$75,000 1,104 1,165 1,227 938 991 1,043

$80,000 1,166 1,231 1,296 991 1,046 1,102

$85,000 1,228 1,297 1,365 1,044 1,102 1,161

$90,000 1,290 1,363 1,435 1,097 1,158 1,219

$95,000 1,353 1,428 1,504 1,150 1,214 1,278

$100,000 1,415 1,494 1,573 1,203 1,270 1,337

$110,000 1,528 1,614 1,699 1,299 1,372 1,444

$120,000 1,656 1,748 1,840 1,408 1,486 1,564

$130,000 1,769 1,868 1,966 1,504 1,588 1,671

$140,000 1,910 2,017 2,124 1,624 1,715 1,805

$150,000 2,052 2,166 2,281 1,744 1,842 1,939

$160,000 2,193 2,316 2,438 1,865 1,969 2,072

$170,000 2,335 2,465 2,595 1,985 2,096 2,206

For Each Add'l





Territory Territory Territory 3 4 5 Coverage F - Scheduled Farm Personal Property Household Contents Mobile Home 22.97 21.97 27.68 Type 1 Dwelling 10.11 9.69 12.23 Combines and Cotton Pickers 11.48 10.99 13.84 Grain (covered only for loss by fire while in the open) 8.68 8.29 10.43 Hay, Straw and Fodder - In Building 21.42 20.48 25.82 Hay, Straw and Fodder - In the Open 8.51 8.14 10.25 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps and Motors 5 Towers or Less 9.28 8.99 11.45 6 or More Towers 11.48 10.99 13.84 All Other Type Systems 7.08 7.00 9.05 Livestock & Poultry 7.85 7.49 9.47 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 7.41 7.09 8.93 Undescribed (Including Tools & Supplies) (Limited to $2,500 on Any One Item) 7.85 7.49 9.47 Borrowed, Rented or Leased 7.85 7.49 9.47 Micro Utility Vehicles – (MUT) 17.45 16.68 21.00 Portable Buildings and Portable Structures 18.18 17.38 21.86 Submersible Pumps 28.62 27.37 34.45 Tobacco in Barns 9.83 9.39 11.80 Other Farm Personal Property (Excludes windstorm or hail loss to farm produce in stacks, shocks or swaths) 8.68 8.29 10.43 Coverage G - Unscheduled Farm Personal Property (Limit on Livestock not to exceed $2,500 on any one head)


$50,000 to $100,000 6.24 6.60 8.33 $100,001 to 200,000 5.80 6.09 7.67 Over $200,000 5.24 5.49 6.96 When Coverage G inventory does not include any livestock, grain or feed, a notation will be made on







Rate per $1,000 of insurance with $500 deductible Territory Territory Territory 3 4 5 Scheduled Farm Personal Property Combines, Cotton Pickers 12.57 11.99 15.05 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 7.96 7.59 9.53 Undescribed (Including tools & supplies) (Limited to $2,500 on Any One Item) 8.40 7.99 10.07 Borrowed, Rented or Leased 8.40 7.99 10.07 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps & Motors 5 Towers or Less 10.38 9.99 12.65 6 or More Towers 12.57 11.99 15.05 All Other Type Systems 8.18 7.99 10.25 Attach Endorsement FO-560 Farm Machinery HEATING CHARGES Heating Charges – Additional Dwellings, Farm Barns and Outbuildings








AAmount

Code FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount

Code FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000



M 0.85 4 1427 180F 1.00 5 1573 189M 1.00F 1.15M 1.28F 1.50

1

Preferred Farmowners (1-11)Supplemental

AR - 1 CIG








Supporting Document Schedules

Item Status: Status

Date:

Satisfied - Item: Form RF-1 NAIC Loss Cost Data

Entry Document--All P&C Lines

Filed 10/20/2010

Comments:

Attachments:

Form RF-1 (CMI).pdf

Form RF-1 (CNI).pdf

Item Status: Status

Date:

Satisfied - Item: P&C Actuarial Justification Filed 10/20/2010

Comments:

Attachment:

Arkansas Farmowners Exhibit.pdf

Item Status: Status

Date:

Satisfied - Item: Comparison Copies Filed 10/20/2010

Comments:

Attachments:


Comparison copies - CMI.pdf

Item Status: Status

Date:

Satisfied - Item: 5 Year Exhibits Filed 10/20/2010

Comments:

Attachments:

Five Year Exhibit - CMI.pdf

Five Year Exhibit - Pref.pdf








Item Status: Status

Date:

Satisfied - Item: Arkansas FMP Comparison

Territorial Loss Ratios

Filed 10/20/2010

Comments:

Attachment:

Arkansas Farmowners Comparison Territorial Loss Ratios.pdf

PC RLC U:LossCostDraft/DataEntry.doc

FORM RF-1 Rate Filing Abstract NAIC LOSS COST DATA ENTRY DOCUMENT 1. This filing transmittal is part of Company Tracking # CIG-FMP-10-R01

2. If filing is an adoption of an advisory organization loss cost filing, give name of Advisory Organization and Reference/Item Filing Number

N/A

Company Name Company NAIC Number 3. A. Columbia Mutual Insurance Company B. 40371

Product Coding Matrix Line of Business (i.e., Type of Insurance) Product Coding Matrix Line of Business (i.e., Sub-type of Insurance) 4. A. 03.0 Personal Farmowners B. 03.0000 Personal Farmowners

5. FOR LOSS COSTS ONLY

(A) COVERAGE

(See Instructions)

(B) Indicated % Rate

Level Change

(C) Requested

% Rate Level Change

(D)

Expected Loss Ratio

(E) Loss Cost

Modification Factor

(F) Selected

Loss Cost Multiplier

(G) Expense Constant

(If Applicable)

(H) Co. Current Loss Cost Multiplier

Farmowners 13.9% 5.8% 0 0 0 0 0 TOTAL OVERALL EFFECT

-3.8% 5.8%

6. 5 Year History Rate Change History 7.

Year Policy Count % of Change

Effective Date

State Earned Premium

(000)

Incurred Losses (000)

State Loss Ratio

Countrywide Loss Ratio Expense Constants Selected

Provisions

2005 526 0 0 1,761 842 47.8% 39.3% A. Total Production Expense 24.1 2006 470 -9.69% 8/1/06 1,680 1,213 72.2% 84.7% B. General Expense 3.5 2007 448 0 0 1,585 788 49.7% 65.5% C. Taxes, Licenses & Fees 3.4 2008 415 0 0 1,571 1,178 74.9% 74.8% 2009 391 -0.20% 9/1/09 1,626 827 50.9% 60.5%

D. Underwriting Profit & Contingencies

5.0

E. Other (explain) 0 F. TOTAL 36.0

8. N/A Apply Loss Cost Factors to Future filings? (Y or N) 9. N/A Estimated Maximum Rate Increase for any Insured (%) Territory (if applicable): 10. N/A Estimated Maximum Rate Decrease for any Insured (%) Territory (if applicable):




N/A

Company Name Company NAIC Number 3. A. Columbia National Insurance Company B. 19640



(A) COVERAGE

(See Instructions)


Level Change

(C) Requested

% Rate Level Change

(D)

Expected Loss Ratio

(E) Loss Cost

Modification Factor

(F) Selected



(If Applicable)



13.9% 5.8%



Effective Date


(000)


State Loss Ratio


Provisions

2005 3 0 0 2 0 0% 33.7% A. Total Production Expense 24.1 2006 15 -9.69% 8/1/06 52 81 156.9% 79.1% B. General Expense 3.5 2007 30 0 0 147 342 232.9% 54.2% C. Taxes, Licenses & Fees 3.4 2008 44 0 0 223 156 69.7% 80.6% 2009 61 -0.20% 9/1/2009 297 627 211.2% 91.4%


5.0

E. Other (explain) 0 F. TOTAL 36.0


index4

YearEarned

Premium

Earn Prem @ Current Rate Level

Incurred Loss & LAE

Actual Loss Ratio

Loss Ratio @ Current Rate

LevelPermissible Loss Ratio

Preliminary Indicated Change

2005 1,762,819 1,606,943 899,337 51.0% 56.0%2006 1,732,142 1,575,981 1,350,919 78.0% 85.7%2007 1,731,794 1,700,214 1,105,544 63.8% 65.0%2008 1,794,807 1,791,218 1,404,023 78.2% 78.4%2009 1,922,426 1,918,798 1,500,705 78.1% 78.2%Total 8,943,987 8,593,154 6,260,529 70.0% 72.9% 64.0% 13.9%

Commission 17.5%Other Acquisition Expense 6.6% 0 1 0General Expense 3.5% 0 1 0Taxes, License & Fees 3.4% 64 1.036 66.304Profit 5.0% 224 1.025 229.6Total 36.0% 288 295.904

1.02744Permissible Loss Ratio 64.0%

1.036 1.00833summaryArkansasFarmowners

0 index51 1FMP3 2/1/2002 33.50%2 2FMP3 11/1/2004 3.30%3 3FMP3 8/1/2006 -9.69%4 4FMP3 9/1/2009 -0.20%5 5FMP3 0.00% 06 6FMP3 0.00% 07 7FMP3 0.00% 08 8FMP3 0.00% 09 9FMP3 0.00% 0

10 10FMP3 0.00% 011 11FMP3 0.00% 012 12FMP3 0.00% 013 13FMP3 0.00% 014 14FMP3 0.00% 015 15FMP3 0.00% 0

Arkansas Farmowners Exhibit

Expenses

Rate Level Change History

* Earned Premium and Incurred Losses have not been trended nor has credibility been taken into account.


Arkansas Preferred Farmowners (1-118-05) GR-8 CIG


• Siding – The siding must be of masonry, brick, veneer, stone, concrete, concrete block, tile, frame, aluminum, vinyl or steel.


Wood, coal, gas or oil fueled stoves are “NOT” acceptable as the primary heating plant, but may be acceptable as supplemental heat to an approved system.

Wood-Burning Heating Systems Wood-burning stoves and furnaces may be acceptable as supplemental used for auxiliary heat,

but not as a or primary heating source. They must be professionally installed and properly vented of heat must be connected to a tile lined masonry chimney constructed from the ground up and setting on its own masonry foundation or vented to a UL approved insulated or triple wall pipe. The dwelling must have an approved roof covering. A photograph of the wood-burning stove, or furnace and thimble must be submitted along with form SHQ-1, Supplemental Heating Questionnaire. •Wood-burning furnaces shall be considered as complying with central heating requirements if

professionally installed, properly vented to an approved flue and equipped with thermostatic controls, blower, and ductwork. The dwelling must have an approved roof covering. A photograph of the wood-burning furnaces and thimble must be submitted with the application.

Barns and Outbuildings See Underwriting Section for minimum amounts Type 1

• Superior characteristics and in excellent repair. • All metal construction (tanks, bins and Quonsets). • Fully enclosed and securely bolted on a continuous mortared masonry or concrete foundation. • All steel grain storage structures designed & used exclusively as bulk storage of grain. When

grain storage structures are attached by augers or spouts to an elevator leg assembly, and/or drying equipment or to one another, classify the entire structure as a grain complex and insured as one item.

Type 2A • Superior characteristics and in excellent repair. • Steel, pole or frame construction covered with metal roofing and sidewalls. • Building must be fully enclosed and have a pole or continuous concrete wall foundation. • Contain no grain, hay or straw storage. • Buildings containing a shop area must be rated as a Type 2B structure.

Type 2B • Better than average characteristics and maintenance. • Steel, pole or frame construction covered with composition or metal roofing and steel, metal,

frame or masonry sidewalls. • Fully enclosed structure with no open sheds attached. • Hay or straw storage is permitted.





$20,000 665 702

$22,000 677 715

$24,000 690 728

$26,000 702 741

$28,000 714 754

$30,000 727 767

$32,000 739 780

$34,000 751 793

$36,000 764 806

$38,000 776 819

$40,000 789 832 876 670 707 745

$42,000 801 845 890 681 718 757

$44,000 813 858 904 691 729 768

$46,000 826 871 917 702 741 780

$48,000 838 884 931 712 752 792

$50,000 850 897 945 723 763 803

$55,000 881 930 979 749 790 832

$60,000 912 962 1,013 775 818 862

$65,000 956 1,009 1,062 813 858 903

$70,000 1,002 1,057 1,113 852 899 946

$75,000 1,046 1,104 1,162 889 938 988

$80,000 1,105 1,166 1,228 939 991 1,044

$85,000 1,164 1,228 1,293 990 1,044 1,100

$90,000 1,223 1,290 1,359 1,040 1,097 1,156

$95,000 1,282 1,353 1,424 1,090 1,150 1,211

$100,000 1,341 1,415 1,490 1,140 1,203 1,267

$110,000 1,448 1,528 1,609 1,231 1,299 1,368

$120,000 1,569 1,656 1,743 1,334 1,408 1,482

$130,000 1,676 1,769 1,863 1,425 1,504 1,584

$140,000 1,810 1,910 2,012 1,539 1,624 1,710

$150,000 1,944 2,052 2,161 1,653 1,744 1,837

$160,000 2,079 2,193 2,310 1,767 1,865 1,964

$170,000 2,213 2,335 2,459 1,881 1,985 2,091

For Each Add'l



dwilliams

Text Box

Revised manual page





$20,000 605 638

$22,000 616 650

$24,000 628 662

$26,000 639 674

$28,000 650 686

$30,000 661 698

$32,000 672 709

$34,000 684 721

$36,000 695 733

$38,000 706 745

$40,000 717 757 797 610 643 677

$42,000 729 769 809 619 653 688

$44,000 740 780 822 629 663 699

$46,000 751 792 834 638 673 709

$48,000 762 804 847 648 684 720

$50,000 773 816 859 657 694 730

$55,000 802 846 890 681 719 757

$60,000 830 875 921 705 744 783

$65,000 870 918 966 739 780 821

$70,000 911 961 1,012 775 817 861

$75,000 952 1,004 1,057 809 853 899

$80,000 1,005 1,060 1,117 854 901 949

$85,000 1,059 1,117 1,176 900 950 1,000

$90,000 1,113 1,174 1,236 946 998 1,051

$95,000 1,166 1,230 1,295 991 1,046 1,101

$100,000 1,220 1,287 1,355 1,037 1,094 1,152

$110,000 1,318 1,390 1,463 1,120 1,182 1,244

$120,000 1,427 1,506 1,585 1,213 1,280 1,348

$130,000 1,525 1,609 1,694 1,296 1,368 1,440

$140,000 1,647 1,737 1,829 1,400 1,477 1,555

$150,000 1,769 1,866 1,965 1,504 1,586 1,670

$160,000 1,891 1,995 2,100 1,607 1,696 1,786

$170,000 2,013 2,124 2,236 1,711 1,805 1,901

For Each Add'l



dwilliams

Text Box

Previously filed manual page




Premium Group 14 14 14 13 13 13

$20,000 702 741

$22,000 715 755

$24,000 728 769

$26,000 741 782

$28,000 754 796

$30,000 767 810

$32,000 780 823

$34,000 793 837

$36,000 806 851

$38,000 819 865

$40,000 832 878 925 707 747 786

$42,000 845 892 939 718 758 798

$44,000 858 906 954 729 770 811

$46,000 871 920 968 741 782 823

$48,000 884 933 983 752 793 835

$50,000 897 947 997 763 805 848

$55,000 930 982 1,033 790 834 878

$60,000 962 1,016 1,070 818 864 909

$65,000 1,009 1,065 1,122 858 906 953

$70,000 1,057 1,116 1,175 899 949 999

$75,000 1,104 1,165 1,227 938 991 1,043

$80,000 1,166 1,231 1,296 991 1,046 1,102

$85,000 1,228 1,297 1,365 1,044 1,102 1,161

$90,000 1,290 1,363 1,435 1,097 1,158 1,219

$95,000 1,353 1,428 1,504 1,150 1,214 1,278

$100,000 1,415 1,494 1,573 1,203 1,270 1,337

$110,000 1,528 1,614 1,699 1,299 1,372 1,444

$120,000 1,656 1,748 1,840 1,408 1,486 1,564

$130,000 1,769 1,868 1,966 1,504 1,588 1,671

$140,000 1,910 2,017 2,124 1,624 1,715 1,805

$150,000 2,052 2,166 2,281 1,744 1,842 1,939

$160,000 2,193 2,316 2,438 1,865 1,969 2,072

$170,000 2,335 2,465 2,595 1,985 2,096 2,206

For Each Add'l



dwilliams

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Revised manual page




Premium Group 14 14 14 13 13 13

$20,000 669 706

$22,000 681 719

$24,000 693 732

$26,000 706 745

$28,000 718 758

$30,000 731 771

$32,000 743 784

$34,000 755 797

$36,000 768 811

$38,000 780 824

$40,000 793 837 881 674 711 749

$42,000 805 850 895 684 723 760

$44,000 817 863 908 695 734 772

$46,000 830 876 922 705 745 784

$48,000 842 889 936 716 756 795

$50,000 855 902 950 727 767 807

$55,000 886 935 984 753 795 836

$60,000 917 968 1,019 779 823 866

$65,000 961 1,015 1,068 817 863 908

$70,000 1,007 1,063 1,119 856 904 951

$75,000 1,051 1,110 1,168 894 944 993

$80,000 1,111 1,173 1,234 944 997 1,049

$85,000 1,170 1,235 1,300 995 1,050 1,105

$90,000 1,229 1,298 1,366 1,045 1,104 1,161

$95,000 1,289 1,360 1,432 1,096 1,157 1,217

$100,000 1,348 1,423 1,498 1,146 1,210 1,273

$110,000 1,456 1,537 1,618 1,238 1,307 1,375

$120,000 1,577 1,665 1,753 1,341 1,416 1,489

$130,000 1,685 1,779 1,873 1,433 1,513 1,591

$140,000 1,820 1,921 2,022 1,547 1,634 1,719

$150,000 1,955 2,063 2,172 1,662 1,755 1,846

$160,000 2,089 2,206 2,322 1,776 1,876 1,973

$170,000 2,224 2,348 2,472 1,891 1,997 2,100

For Each Add'l



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Preferred Farmowners (1-119-09) AR-19 CIG

Territory Territory Territory 3 4 5 Coverage F - Scheduled Farm Personal Property Household Contents Mobile Home 20.8822.97 21.97 23.0727.68 Type 1 Dwelling 9.1910.11 9.69 10.1912.23 Combines and Cotton Pickers 10.4411.48 10.99 11.5313.84 Grain (covered only for loss by fire while in the open) 7.898.68 8.29 8.6910.43 Hay, Straw and Fodder - In Building 19.4721.42 20.48 21.5225.82 Hay, Straw and Fodder - In the Open 7.748.51 8.14 8.5410.25 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps and Motors 5 Towers or Less 8.449.28 8.99 9.5411.45 6 or More Towers 10.4411.48 10.99 11.5313.84 All Other Type Systems 6.447.08 7.00 7.549.05 Livestock & Poultry 7.147.85 7.49 7.899.47 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 6.747.41 7.09 7.448.93 Undescribed (Including Tools & Supplies) (Limited to $2,500 on Any One Item) 7.147.85 7.49 7.899.47 Borrowed, Rented or Leased 7.147.85 7.49 7.899.47 Micro Utility Vehicles – (MUT) 15.8617.45 16.68 17.5021.00 Portable Buildings and Portable Structures 16.5318.18 17.38 18.2221.86 Submersible Pumps 26.0228.62 27.37 28.7134.45 Tobacco in Barns 8.949.83 9.39 9.8311.80 Other Farm Personal Property (Excludes windstorm or hail loss to farm produce in stacks, shocks or swaths) 7.898.68 8.29 8.6910.43 Coverage G - Unscheduled Farm Personal Property (Limit on Livestock not to exceed $2,500 on any one head)


$50,000 to $100,000 6.24 6.60 6.948.33 $100,001 to 200,000 5.80 6.09 6.397.67 Over $200,000 5.24 5.49 5.806.96 When Coverage G inventory does not include any livestock, grain or feed, a notation will be made on



Preferred Farmowners (1-1112-09) AR-24 CIG




Rate per $1,000 of insurance with $500 deductible Territory Territory Territory 3 4 5 Scheduled Farm Personal Property Combines, Cotton Pickers 11.4312.57 11.99 12.5415.05 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 7.247.96 7.59 7.949.53 Undescribed (Including tools & supplies) (Limited to $2,500 on Any One Item) 7.648.40 7.99 8.3910.07 Borrowed, Rented or Leased 7.648.40 7.99 8.3910.07 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps & Motors 5 Towers or Less 9.4410.38 9.99 10.5412.65 6 or More Towers 11.4312.57 11.99 12.5415.05 All Other Type Systems 7.448.18 7.99 8.5410.25 Attach Endorsement FO-560 Farm Machinery HEATING CHARGES Heating Charges – Additional Dwellings, Farm Barns and Outbuildings








AAmount

Code FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount

Code FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000



M 0.85 4 1427 180F 1.00 5 1573 189M 1.00F 1.15M 1.28F 1.50

1


AR - 1 CIG

dwilliams

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Revised manual page

dwilliams

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AAmount

Code FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650

$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700

$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750

$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800

$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850

$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900

$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950

$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350

$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L

$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10

$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount

Code FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050

$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100

$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150

$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800

$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850

$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L

$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240

$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000



M 0.85 4 1427 180F 1.00 5 1498 189M 1.00

F 1.15

M 1.28

F 1.50

1


AR - 1 CIG

dwilliams

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TERRITORY 3



$20,000 783 826 1,174 1,239

$22,000 797 841 1,196 1,262

$24,000 812 856 1,218 1,285

$25,000 819 864 942 994 1,046 1,228 1,296

$26,000 826 872 950 1,003 1,056 1,239 1,308

$28,000 841 887 967 1,020 1,074 1,261 1,331

$30,000 855 902 950 984 1,038 1,093 1,283 1,354

$32,000 870 918 966 1,000 1,056 1,111 1,305 1,377

$34,000 884 933 982 1,017 1,073 1,130 1,326 1,400

$36,000 899 948 999 1,034 1,091 1,148 1,348 1,423

$38,000 913 964 1,015 1,051 1,108 1,167 1,370 1,446

$40,000 928 979 1,031 1,067 1,126 1,185 1,392 1,469

$42,000 942 994 1,047 1,084 1,144 1,204 1,414 1,492

$44,000 957 1,010 1,063 1,101 1,161 1,223 1,435 1,515

$46,000 971 1,025 1,079 1,117 1,179 1,241 1,457 1,538

$48,000 986 1,040 1,095 1,134 1,196 1,260 1,479 1,561

$50,000 1,000 1,056 1,111 1,151 1,214 1,278 1,501 1,584

$52,000 1,015 1,071 1,128 1,167 1,232 1,297 1,522 1,607

$54,000 1,029 1,086 1,144 1,184 1,249 1,315 1,544 1,630

$56,000 1,044 1,102 1,160 1,201 1,267 1,334 1,566 1,653

$58,000 1,059 1,117 1,176 1,218 1,285 1,352 1,588 1,676

$60,000 1,073 1,132 1,192 1,234 1,302 1,371 1,610 1,699

$65,000 1,125 1,187 1,250 1,294 1,365 1,437 1,688 1,781

$70,000 1,179 1,244 1,309 1,356 1,431 1,506 1,768 1,866

$75,000 1,231 1,299 1,367 1,416 1,494 1,572 1,846 1,948

$80,000 1,300 1,372 1,444 1,496 1,578 1,661 1,950 2,058

$85,000 1,370 1,445 1,522 1,575 1,662 1,750 2,055 2,168

$90,000 1,439 1,518 1,599 1,655 1,746 1,839 2,159 2,278

$95,000 1,509 1,592 1,676 1,735 1,831 1,927 2,263 2,388

$100,000 1,578 1,665 1,753 1,815 1,915 2,016 2,367 2,498

$110,000 1,704 1,798 1,893 1,960 2,068 2,177 2,556 2,698

$120,000 1,846 1,948 2,051 2,124 2,241 2,359 2,769 2,923

$130,000 1,973 2,081 2,191 2,269 2,394 2,520 2,959 3,123

For Each Add'l $10,000 add: 157.80 166.50 175.30 181.50 191.50 201.60 236.70 249.80



dwilliams

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Revised manual pages


TERRITORY 3



$20,000 712 751 1,068 1,126

$22,000 725 765 1,088 1,147

$24,000 738 779 1,108 1,168

$25,000 745 786 856 904 951 1,117 1,179

$26,000 751 793 864 912 960 1,127 1,189

$28,000 765 807 879 928 977 1,147 1,210

$30,000 778 821 864 894 944 993 1,167 1,231

$32,000 791 835 879 909 960 1,010 1,187 1,252

$34,000 804 848 893 925 976 1,027 1,207 1,273

$36,000 817 862 908 940 992 1,044 1,226 1,294

$38,000 831 876 923 955 1,008 1,061 1,246 1,314

$40,000 844 890 937 970 1,024 1,078 1,266 1,335

$42,000 857 904 952 985 1,040 1,095 1,286 1,356

$44,000 870 918 967 1,001 1,056 1,112 1,306 1,377

$46,000 883 932 981 1,016 1,072 1,128 1,325 1,398

$48,000 897 946 996 1,031 1,088 1,145 1,345 1,419

$50,000 910 960 1,011 1,046 1,104 1,162 1,365 1,440

$52,000 923 974 1,025 1,061 1,120 1,179 1,385 1,461

$54,000 936 988 1,040 1,076 1,136 1,196 1,405 1,482

$56,000 949 1,002 1,055 1,092 1,152 1,213 1,424 1,502

$58,000 963 1,016 1,069 1,107 1,168 1,230 1,444 1,523

$60,000 976 1,030 1,084 1,122 1,184 1,246 1,464 1,544

$65,000 1,023 1,079 1,137 1,176 1,241 1,307 1,535 1,619

$70,000 1,072 1,131 1,191 1,233 1,301 1,369 1,608 1,696

$75,000 1,119 1,181 1,243 1,287 1,358 1,430 1,679 1,771

$80,000 1,182 1,248 1,313 1,360 1,435 1,510 1,774 1,871

$85,000 1,246 1,314 1,384 1,432 1,511 1,591 1,869 1,971

$90,000 1,309 1,381 1,454 1,505 1,588 1,672 1,964 2,071

$95,000 1,372 1,447 1,524 1,577 1,664 1,752 2,058 2,171

$100,000 1,435 1,514 1,594 1,650 1,741 1,833 2,153 2,271

$110,000 1,550 1,635 1,722 1,782 1,880 1,980 2,325 2,453

$120,000 1,679 1,771 1,865 1,931 2,037 2,145 2,519 2,657

$130,000 1,794 1,893 1,993 2,063 2,176 2,291 2,691 2,839

For Each Add'l $10,000 add: 143.50 151.40 159.40 165.00 174.10 183.30 215.30 227.10



dwilliams

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TERRITORY 3



$20,000 1,002 1,057

$22,000 1,021 1,077

$24,000 1,039 1,096

$25,000 819 864 910 1,048 1,106

$26,000 826 872 918 1,058 1,116

$28,000 841 887 934 1,076 1,135

$30,000 727 767 808 855 902 950 1,095 1,155

$32,000 739 780 821 870 918 966 1,113 1,175

$34,000 751 793 835 884 933 982 1,132 1,194

$36,000 764 806 849 899 948 999 1,151 1,214

$38,000 776 819 862 913 964 1,015 1,169 1,233

$40,000 789 832 876 928 979 1,031 1,188 1,253

$42,000 801 845 890 942 994 1,047 1,206 1,273

$44,000 813 858 904 957 1,010 1,063 1,225 1,292

$46,000 826 871 917 971 1,025 1,079 1,244 1,312

$48,000 838 884 931 986 1,040 1,095 1,262 1,331

$50,000 850 897 945 1,000 1,056 1,111 1,281 1,351

$52,000 863 910 958 1,015 1,071 1,128 1,299 1,371

$54,000 875 923 972 1,029 1,086 1,144 1,318 1,390

$56,000 887 936 986 1,044 1,102 1,160 1,336 1,410

$58,000 900 949 999 1,059 1,117 1,176 1,355 1,429

$60,000 912 962 1,013 1,073 1,132 1,192 1,374 1,449

$65,000 956 1,009 1,062 1,125 1,187 1,250 1,440 1,519

$70,000 1,002 1,057 1,113 1,179 1,244 1,309 1,509 1,592

$75,000 1,046 1,104 1,162 1,231 1,299 1,367 1,576 1,662

$80,000 1,105 1,166 1,228 1,300 1,372 1,444 1,664 1,756

$85,000 1,164 1,228 1,293 1,370 1,445 1,522 1,753 1,850

$90,000 1,223 1,290 1,359 1,439 1,518 1,599 1,842 1,943

$95,000 1,282 1,353 1,424 1,509 1,592 1,676 1,931 2,037

$100,000 1,341 1,415 1,490 1,578 1,665 1,753 2,020 2,131

$110,000 1,448 1,528 1,609 1,704 1,798 1,893 2,182 2,301

$120,000 1,569 1,656 1,743 1,846 1,948 2,051 2,363 2,493

$130,000 1,676 1,769 1,863 1,973 2,081 2,191 2,525 2,664

For Each Add'l $10,000 add: 134.10 141.50 149.00 157.80 166.50 175.30 202.00 213.10



dwilliams

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Revised manual page


TERRITORY 3



$20,000 911 961

$22,000 928 979

$24,000 945 997

$25,000 745 786 827 953 1,006

$26,000 751 793 835 962 1,015

$28,000 765 807 849 979 1,033

$30,000 661 698 734 778 821 864 996 1,050

$32,000 672 709 747 791 835 879 1,013 1,068

$34,000 684 721 759 804 848 893 1,029 1,086

$36,000 695 733 772 817 862 908 1,046 1,104

$38,000 706 745 784 831 876 923 1,063 1,122

$40,000 717 757 797 844 890 937 1,080 1,140

$42,000 729 769 809 857 904 952 1,097 1,157

$44,000 740 780 822 870 918 967 1,114 1,175

$46,000 751 792 834 883 932 981 1,131 1,193

$48,000 762 804 847 897 946 996 1,148 1,211

$50,000 773 816 859 910 960 1,011 1,165 1,229

$52,000 785 828 872 923 974 1,025 1,182 1,247

$54,000 796 840 884 936 988 1,040 1,198 1,264

$56,000 807 851 896 949 1,002 1,055 1,215 1,282

$58,000 818 863 909 963 1,016 1,069 1,232 1,300

$60,000 830 875 921 976 1,030 1,084 1,249 1,318

$65,000 870 918 966 1,023 1,079 1,137 1,310 1,382

$70,000 911 961 1,012 1,072 1,131 1,191 1,372 1,448

$75,000 952 1,004 1,057 1,119 1,181 1,243 1,433 1,512

$80,000 1,005 1,060 1,117 1,182 1,248 1,313 1,514 1,597

$85,000 1,059 1,117 1,176 1,246 1,314 1,384 1,595 1,682

$90,000 1,113 1,174 1,236 1,309 1,381 1,454 1,675 1,767

$95,000 1,166 1,230 1,295 1,372 1,447 1,524 1,756 1,853

$100,000 1,220 1,287 1,355 1,435 1,514 1,594 1,837 1,938

$110,000 1,318 1,390 1,463 1,550 1,635 1,722 1,984 2,093

$120,000 1,427 1,506 1,585 1,679 1,771 1,865 2,149 2,267

$130,000 1,525 1,609 1,694 1,794 1,893 1,993 2,296 2,423

For Each Add'l $10,000 add: 122.00 128.70 135.50 143.50 151.40 159.40 183.70 193.80



dwilliams

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TERRITORY 5


Premium Group 14 14 14 16 16 16 18 18

$20,000 826 872 1,239 1,308

$22,000 841 888 1,262 1,332

$24,000 856 904 1,285 1,356

$25,000 864 912 994 1,049 1,104 1,296 1,369

$26,000 872 920 1,003 1,059 1,114 1,308 1,381

$28,000 887 937 1,020 1,077 1,134 1,331 1,405

$30,000 902 953 1,003 1,038 1,096 1,153 1,354 1,429

$32,000 918 969 1,020 1,056 1,115 1,173 1,377 1,454

$34,000 933 985 1,037 1,073 1,133 1,193 1,400 1,478

$36,000 948 1,001 1,054 1,091 1,152 1,212 1,423 1,502

$38,000 964 1,018 1,071 1,108 1,170 1,232 1,446 1,526

$40,000 979 1,034 1,088 1,126 1,189 1,251 1,469 1,551

$42,000 994 1,050 1,105 1,144 1,208 1,271 1,492 1,575

$44,000 1,010 1,066 1,122 1,161 1,226 1,290 1,515 1,599

$46,000 1,025 1,082 1,139 1,179 1,245 1,310 1,538 1,623

$48,000 1,040 1,098 1,156 1,196 1,263 1,330 1,561 1,648

$50,000 1,056 1,115 1,173 1,214 1,282 1,349 1,584 1,672

$52,000 1,071 1,131 1,190 1,232 1,301 1,369 1,607 1,696

$54,000 1,086 1,147 1,207 1,249 1,319 1,388 1,630 1,720

$56,000 1,102 1,163 1,224 1,267 1,338 1,408 1,653 1,745

$58,000 1,117 1,179 1,241 1,285 1,356 1,427 1,676 1,769

$60,000 1,132 1,195 1,258 1,302 1,375 1,447 1,699 1,793

$65,000 1,187 1,253 1,319 1,365 1,442 1,517 1,781 1,880

$70,000 1,244 1,313 1,382 1,431 1,510 1,590 1,866 1,970

$75,000 1,299 1,371 1,443 1,494 1,577 1,660 1,948 2,057

$80,000 1,372 1,449 1,524 1,578 1,666 1,753 2,058 2,173

$85,000 1,445 1,526 1,606 1,662 1,755 1,847 2,168 2,289

$90,000 1,518 1,603 1,687 1,746 1,844 1,941 2,278 2,405

$95,000 1,592 1,681 1,769 1,831 1,933 2,034 2,388 2,521

$100,000 1,665 1,758 1,850 1,915 2,022 2,128 2,498 2,637

$110,000 1,798 1,899 1,998 2,068 2,184 2,298 2,698 2,848

$120,000 1,948 2,057 2,165 2,241 2,366 2,490 2,923 3,085

$130,000 2,081 2,198 2,313 2,394 2,528 2,660 3,123 3,296

For Each Add'l $10,000 add: 166.50 175.80 185.00 191.50 202.20 212.80 249.80 263.70



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TERRITORY 5


Premium Group 14 14 14 16 16 16 18 18

$20,000 787 830 1,180 1,245

$22,000 801 846 1,202 1,269

$24,000 816 861 1,224 1,292

$25,000 823 869 947 999 1,051 1,235 1,303

$26,000 830 877 955 1,008 1,061 1,246 1,315

$28,000 845 892 972 1,026 1,079 1,268 1,338

$30,000 860 907 955 989 1,043 1,098 1,289 1,361

$32,000 874 923 971 1,005 1,061 1,117 1,311 1,384

$34,000 889 938 987 1,022 1,079 1,135 1,333 1,407

$36,000 903 954 1,004 1,039 1,096 1,154 1,355 1,430

$38,000 918 969 1,020 1,056 1,114 1,173 1,377 1,453

$40,000 933 984 1,036 1,073 1,132 1,191 1,399 1,476

$42,000 947 1,000 1,052 1,089 1,150 1,210 1,421 1,500

$44,000 962 1,015 1,068 1,106 1,167 1,229 1,443 1,523

$46,000 976 1,031 1,085 1,123 1,185 1,247 1,465 1,546

$48,000 991 1,046 1,101 1,140 1,203 1,266 1,486 1,569

$50,000 1,006 1,061 1,117 1,156 1,220 1,284 1,508 1,592

$52,000 1,020 1,077 1,133 1,173 1,238 1,303 1,530 1,615

$54,000 1,035 1,092 1,150 1,190 1,256 1,322 1,552 1,638

$56,000 1,049 1,108 1,166 1,207 1,274 1,340 1,574 1,661

$58,000 1,064 1,123 1,182 1,224 1,291 1,359 1,596 1,684

$60,000 1,078 1,138 1,198 1,240 1,309 1,378 1,618 1,707

$65,000 1,131 1,194 1,256 1,301 1,373 1,445 1,696 1,790

$70,000 1,185 1,250 1,316 1,363 1,438 1,513 1,777 1,876

$75,000 1,237 1,306 1,374 1,423 1,502 1,580 1,856 1,959

$80,000 1,307 1,379 1,452 1,503 1,586 1,669 1,960 2,069

$85,000 1,377 1,453 1,529 1,583 1,671 1,759 2,065 2,180

$90,000 1,446 1,527 1,607 1,663 1,756 1,848 2,170 2,290

$95,000 1,516 1,600 1,684 1,744 1,840 1,937 2,274 2,401

$100,000 1,586 1,674 1,762 1,824 1,925 2,026 2,379 2,511

$110,000 1,713 1,808 1,903 1,970 2,079 2,188 2,569 2,712

$120,000 1,856 1,959 2,062 2,134 2,252 2,370 2,783 2,938

$130,000 1,983 2,093 2,203 2,280 2,406 2,533 2,974 3,139

For Each Add'l $10,000 add: 158.60 167.40 176.20 182.40 192.50 202.60 237.90 251.10



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TERRITORY 5


Premium Group 13 13 13 15 15 15 17 17

$20,000 1,057 1,116

$22,000 1,077 1,137

$24,000 1,096 1,157

$25,000 864 912 960 1,106 1,168

$26,000 872 920 969 1,116 1,178

$28,000 887 937 986 1,135 1,199

$30,000 767 810 853 902 953 1,003 1,155 1,220

$32,000 780 823 867 918 969 1,020 1,175 1,240

$34,000 793 837 882 933 985 1,037 1,194 1,261

$36,000 806 851 896 948 1,001 1,054 1,214 1,282

$38,000 819 865 910 964 1,018 1,071 1,233 1,302

$40,000 832 878 925 979 1,034 1,088 1,253 1,323

$42,000 845 892 939 994 1,050 1,105 1,273 1,344

$44,000 858 906 954 1,010 1,066 1,122 1,292 1,364

$46,000 871 920 968 1,025 1,082 1,139 1,312 1,385

$48,000 884 933 983 1,040 1,098 1,156 1,331 1,406

$50,000 897 947 997 1,056 1,115 1,173 1,351 1,427

$52,000 910 961 1,012 1,071 1,131 1,190 1,371 1,447

$54,000 923 975 1,026 1,086 1,147 1,207 1,390 1,468

$56,000 936 988 1,041 1,102 1,163 1,224 1,410 1,489

$58,000 949 1,002 1,055 1,117 1,179 1,241 1,429 1,509

$60,000 962 1,016 1,070 1,132 1,195 1,258 1,449 1,530

$65,000 1,009 1,065 1,122 1,187 1,253 1,319 1,519 1,604

$70,000 1,057 1,116 1,175 1,244 1,313 1,382 1,592 1,681

$75,000 1,104 1,165 1,227 1,299 1,371 1,443 1,662 1,755

$80,000 1,166 1,231 1,296 1,372 1,449 1,524 1,756 1,854

$85,000 1,228 1,297 1,365 1,445 1,526 1,606 1,850 1,953

$90,000 1,290 1,363 1,435 1,518 1,603 1,687 1,943 2,052

$95,000 1,353 1,428 1,504 1,592 1,681 1,769 2,037 2,151

$100,000 1,415 1,494 1,573 1,665 1,758 1,850 2,131 2,250

$110,000 1,528 1,614 1,699 1,798 1,899 1,998 2,301 2,430

$120,000 1,656 1,748 1,840 1,948 2,057 2,165 2,493 2,633

$130,000 1,769 1,868 1,966 2,081 2,198 2,313 2,664 2,813

For Each Add'l $10,000 add: 141.50 149.40 157.30 166.50 175.80 185.00 213.10 225.00



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TERRITORY 5


Premium Group 13 13 13 15 15 15 17 17

$20,000 1,007 1,063

$22,000 1,026 1,083

$24,000 1,044 1,102

$25,000 823 869 914 1,054 1,112

$26,000 830 877 923 1,063 1,122

$28,000 845 892 939 1,082 1,142

$30,000 731 771 812 860 907 955 1,100 1,162

$32,000 743 784 826 874 923 971 1,119 1,181

$34,000 755 797 839 889 938 987 1,138 1,201

$36,000 768 811 853 903 954 1,004 1,156 1,221

$38,000 780 824 867 918 969 1,020 1,175 1,240

$40,000 793 837 881 933 984 1,036 1,194 1,260

$42,000 805 850 895 947 1,000 1,052 1,212 1,280

$44,000 817 863 908 962 1,015 1,068 1,231 1,300

$46,000 830 876 922 976 1,031 1,085 1,250 1,319

$48,000 842 889 936 991 1,046 1,101 1,268 1,339

$50,000 855 902 950 1,006 1,061 1,117 1,287 1,359

$52,000 867 915 964 1,020 1,077 1,133 1,306 1,378

$54,000 879 928 977 1,035 1,092 1,150 1,324 1,398

$56,000 892 941 991 1,049 1,108 1,166 1,343 1,418

$58,000 904 955 1,005 1,064 1,123 1,182 1,362 1,438

$60,000 917 968 1,019 1,078 1,138 1,198 1,380 1,457

$65,000 961 1,015 1,068 1,131 1,194 1,256 1,447 1,528

$70,000 1,007 1,063 1,119 1,185 1,250 1,316 1,516 1,601

$75,000 1,051 1,110 1,168 1,237 1,306 1,374 1,583 1,672

$80,000 1,111 1,173 1,234 1,307 1,379 1,452 1,673 1,766

$85,000 1,170 1,235 1,300 1,377 1,453 1,529 1,762 1,860

$90,000 1,229 1,298 1,366 1,446 1,527 1,607 1,851 1,954

$95,000 1,289 1,360 1,432 1,516 1,600 1,684 1,941 2,049

$100,000 1,348 1,423 1,498 1,586 1,674 1,762 2,030 2,143

$110,000 1,456 1,537 1,618 1,713 1,808 1,903 2,192 2,314

$120,000 1,577 1,665 1,753 1,856 1,959 2,062 2,375 2,507

$130,000 1,685 1,779 1,873 1,983 2,093 2,203 2,538 2,679

For Each Add'l $10,000 add: 134.80 142.30 149.80 158.60 167.40 176.20 203.00 214.30



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Farmowners (1-119-09) AR-24 CIG

Territory Territory Territory 3 4 5 Coverage F - Scheduled Farm Personal Property Household Contents Mobile Home 24.5627.02 25.85 27.1432.57 Type 1 Dwelling 10.8111.89 11.40 11.9914.39 Type 2 Dwelling 16.2217.84 17.04 17.9221.50 Type 3 Dwelling 17.9219.71 18.80 19.7423.69 Combines and Cotton Pickers 12.2813.51 12.93 13.5716.28 Grain (covered only for loss by fire while in the open) 9.2810.21 9.75 10.2212.26 Hay, Straw and Fodder - In Building 22.9125.20 24.09 25.3230.38 Hay, Straw and Fodder - In the Open 9.1110.02 9.58 10.0512.06 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps and Motors 5 Towers or Less 9.9310.92 10.58 11.2213.46 6 or More Towers 12.2813.51 12.93 13.5716.28 All Other Type Systems 7.588.34 8.23 8.8710.64 Livestock & Poultry 8.409.24 8.81 9.2811.14 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 7.938.72 8.34 8.7510.50 Undescribed (Including Tools & Supplies) (Limited to $2,500 on Any One Item) 8.409.24 8.81 9.2811.14 Borrowed, Rented or Leased 8.409.24 8.81 9.2811.14 Micro Utility Vehicles – (MUT) 15.8617.45 16.68 17.5021.00 Portable Buildings and Portable Structures 19.4521.40 20.45 21.4425.73 Submersible Pumps 30.6133.67 32.20 33.7840.54 Tobacco in Barns 10.5211.57 11.05 11.5713.88 Other Farm Personal Property (Excludes windstorm or hail loss to farm produce in stacks, shocks or swaths) 9.2810.21 9.75 10.2212.26 Coverage G - Unscheduled Farm Personal Property (Limit on Livestock not to exceed $2,500 on any one head)

















AAmount Code FACTOR

CoverageA

Amount Code FACTOR

CoverageA

Amount Code FACTOR

CoverageA

Amount Code FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650

$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700

$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750

$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800

$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850

$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900

$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950

$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350

$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400

$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L

$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10

$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount Code FACTOR

CoverageC

Amount Code FACTOR

CoverageC

Amount Code FACTOR

CoverageC

Amount Code FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050

$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100

$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150

$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800

$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850

$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L

$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240

$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000



M 0.85 4 1679 212

F 1.00 5 1850 222M 1.00

F 1.15

M 1.28

F 1.50

1

2

3


AR - 1 CIG

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AAmount

Code FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650

$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700

$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750

$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800

$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850

$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900

$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950

$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350

$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400

$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L

$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10

$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount

Code FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050

$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100

$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150

$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800

$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850

$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L

$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240

$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000


Bldg. Territory Key Premium Key Premium

Type Const. Factor 3 1594 201

M 0.85 4 1679 212

F 1.00 5 1762 222

M 1.00

F 1.15

M 1.28

F 1.50

1

2

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Arkansas/COUNTRYWIDE 5 YEAR EXPERIENCE & EXPENSE EXHIBITEXPERIENCE FOR CMI - Farmowners(Statistics should be identical to Page 14 of the Annual Statement, Insurance Expense Exhibit)

2005 2006 2007 2008 2009 TOTALArkansas AMOUNT % AMOUNT % AMOUNT % AMOUNT % AMOUNT % ALL YEARS

1. Direct Premiums Earned 1,760,707 100.0% 1,680,062 100.0% 1,585,185 100.0% 1,571,381 100.0% 1,625,560 100.0% 8,222,894 100.0%

2. Direct Losses Incurred 841,591 47.8% 1,213,479 72.2% 788,394 49.7% 1,177,675 74.9% 827,158 50.9% 4,848,297 59.0%

3. Direct DC&C Expense Incurred 20,706 1.2% 21,462 1.3% -33 0.0% 26,143 1.7% 3,159 0.2% 71,437 0.9%

4. Adjusting and Other Expenses Inc 36,984 2.1% 32,646 1.9% -26,545 -1.7% 38,113 2.4% 26,088 1.6% 107,286 1.3%

5. Direct Loss & Loss

Expenses Incurred (2, 3 & 4) 899,282 51.1% 1,267,587 75.4% 761,816 48.1% 1,241,931 79.0% 856,404 52.7% 5,027,020 61.1%

6. Direct Premiums Written 1,728,810 100.0% 1,601,955 100.0% 1,603,058 100.0% 1,566,371 100.0% 1,588,618 100.0% 8,088,813 100.0%

7. Direct Commissions & Brokerage 315,233 18.2% 285,285 17.8% 297,237 18.5% 264,140 16.9% 256,674 16.2% 1,418,569 17.5%

8. Other Acquisition, Field Supervision &

Collection Expenses Paid 120,743 7.0% 116,366 7.3% 114,474 7.1% 105,240 6.7% 96,922 6.1% 553,746 6.8%

9. General Expenses Paid 60,591 3.5% 58,401 3.6% 57,911 3.6% 59,947 3.8% 56,113 3.5% 292,962 3.6%

10. Taxes, Licenses & Fees Paid 58,489 3.4% 54,641 3.4% 55,151 3.4% 54,392 3.5% 55,485 3.5% 278,158 3.4%

11. Total Expenses Paid (7,8,9,10) 555,056 32.1% 514,694 32.1% 524,773 32.7% 483,719 30.9% 465,193 29.3% 2,543,435 31.4%

COUNTRYWIDE


2. Direct Losses Incurred 1,552,988 39.3% 3,226,680 84.7% 2,347,032 65.5% 2,650,679 74.8% 2,109,600 60.5% 11,886,979 64.7%

3. Direct DC&C Expense Incurred 43,577 1.1% 88,269 2.3% 21,532 0.6% 39,566 1.1% 37,170 1.1% 230,114 1.3%

4. Adjusting and Other Expenses Inc 83,000 2.1% 74,000 1.9% -60,000 -1.7% 86,000 2.4% 56,000 1.6% 239,000 1.3%


Expenses Incurred (2, 3 & 4) 1,679,565 42.5% 3,388,949 89.0% 2,308,564 64.4% 2,776,245 78.3% 2,202,770 63.1% 12,356,093 67.2%




Collection Expenses Paid 275,000 7.0% 267,000 7.3% 255,000 7.1% 237,000 6.7% 209,000 6.1% 1,243,000 6.9%



11. Total Expenses Paid (7,8,9,10) 1,231,036 31.3% 1,087,515 29.6% 1,075,453 30.1% 1,024,294 29.0% 951,170 27.8% 5,369,468 29.6%

Notes: % of Lines 2, 3, 4 & 5 to Line 1

% of Lines 7, 8, 9, 10 & 11 to Line 6

Arkansas/COUNTRYWIDE 5 YEAR EXPERIENCE & EXPENSE EXHIBITEXPERIENCE FOR CNI - Farmowners(Statistics should be identical to Page 14 of the Annual Statement, Insurance Expense Exhibit)

2005 2006 2007 2008 2009 TOTALArkansas AMOUNT % AMOUNT % AMOUNT % AMOUNT % AMOUNT % ALL YEARS

1. Direct Premiums Earned 2,112 100.0% 52,080 100.0% 146,609 100.0% 223,427 100.0% 296,866 100.0% 721,094 100.0%

2. Direct Losses Incurred 0 0.0% 81,718 156.9% 341,462 232.9% 155,753 69.7% 626,896 211.2% 1,205,828 167.2%

3. Direct DC&C Expense Incurred 0 0.0% 206 0.4% 508 0.3% 1,365 0.6% 11,431 3.9% 13,510 1.9%

4. Adjusting and Other Expenses Inc 56 2.6% 1,408 2.7% 1,759 1.2% 4,974 2.2% 5,974 2.0% 14,170 2.0%


Expenses Incurred (2, 3 & 4) 56 2.6% 83,332 160.0% 343,728 234.5% 162,092 72.5% 644,301 217.0% 1,233,509 171.1%

6. Direct Premiums Written 7,751 100.0% 108,742 100.0% 182,621 100.0% 259,642 100.0% 318,071 100.0% 876,827 100.0%

7. Direct Commissions & Brokerage 1,414 18.2% 19,400 17.8% 33,952 18.6% 43,740 16.8% 51,369 16.2% 149,875 17.1%


Collection Expenses Paid 441 5.7% 5,096 4.7% 8,273 4.5% 11,988 4.6% 16,152 5.1% 41,950 4.8%

9. General Expenses Paid 220 2.8% 2,576 2.4% 4,207 2.3% 6,877 2.6% 9,362 2.9% 23,243 2.7%

10. Taxes, Licenses & Fees Paid 196 2.5% 2,747 2.5% 4,622 2.5% 6,581 2.5% 8,066 2.5% 22,212 2.5%

11. Total Expenses Paid (7,8,9,10) 2,271 29.3% 29,819 27.4% 51,054 28.0% 69,186 26.6% 84,949 26.7% 237,280 27.1%

COUNTRYWIDE


2. Direct Losses Incurred 598,335 33.7% 3,131,734 79.1% 2,079,973 54.2% 3,221,555 80.6% 3,950,521 91.4% 12,982,118 72.6%

3. Direct DC&C Expense Incurred -4,503 -0.3% 3,674 0.1% 39,919 1.0% 80,436 2.0% 72,274 1.7% 191,800 1.1%

4. Adjusting and Other Expenses Inc 47,000 2.6% 107,000 2.7% 46,000 1.2% 89,000 2.2% 87,000 2.0% 376,000 2.1%


Expenses Incurred (2, 3 & 4) 640,832 36.0% 3,242,408 81.9% 2,165,892 56.5% 3,390,991 84.8% 4,109,795 95.1% 13,549,918 75.7%




Collection Expenses Paid 98,000 5.7% 182,000 4.7% 177,000 4.5% 190,000 4.6% 226,000 5.1% 873,000 4.8%



11. Total Expenses Paid (7,8,9,10) 518,978 30.1% 1,000,362 25.8% 983,042 25.2% 1,031,666 25.1% 1,152,558 25.9% 4,686,606 25.9%

Notes: % of Lines 2, 3, 4 & 5 to Line 1

% of Lines 7, 8, 9, 10 & 11 to Line 6

Arkansas Farmowners ComparisonTerritorial Loss Ratios

Earned Incurred Loss Earned Incurred LossYear Premium Losses Ratio Year Premium Losses Ratio2006 574,167 364,836 63.5% 2006 387,933 159,560 41.1%2007 544,931 192,318 35.3% 2007 397,323 234,026 58.9%2008 548,339 810,984 147.9% 2008 419,968 198,202 47.2%2009 553,250 471,379 85.2% 2009 524,397 422,421 80.6%2010 * 390,427 457,388 117.2% 2010 * 453,924 166,617 36.7%Total 2,611,115 2,296,906 88.0% Total 2,183,545 1,180,826 54.1%

Earned Incurred Loss Earned Incurred LossYear Premium Losses Ratio Year Premium Losses Ratio2006 729,301 770,731 105.7% 2006 40,740 70 0.2%2007 743,051 691,514 93.1% 2007 46,489 11,998 25.8%2008 770,181 269,256 35.0% 2008 56,319 54,986 97.6%2009 789,626 591,676 74.9% 2009 55,153 (31,423) -57.0%2010 * 625,474 379,659 60.7% 2010 * 39,206 (2,880) -7.3%Total 3,657,633 2,702,835 73.9% Total 237,907 32,751 13.8%

Earned Incurred LossYear Premium Losses Ratio2006 1,732,142 1,295,197 74.8%2007 1,731,794 1,129,856 65.2%2008 1,794,807 1,333,428 74.3%2009 1,922,426 1,454,053 75.6%2010 * 1,509,031 1,000,784 66.3%Total 8,690,199 6,213,318 71.5%

* Year 2010 contains 9 months of data

Total

Territory 5 Other Data

Territory 3 Territory 4

10/1/2010








Superseded Schedule Items

Please note that all items on the following pages are items, which have been replaced by a newer version. The newest

version is located with the appropriate schedule on previous pages. These items are in date order with most recent first.

Creation Date: Schedule Schedule Item Name Replacement

Creation Date

Attached Document(s)

10/05/2010 Supporting

Document

Form RF-1 NAIC Loss Cost Data

Entry Document--All P&C Lines10/18/2010 Form RF-1 (CMI).pdf

(Superceded)

Form RF-1 (CNI).pdf

(Superceded)

10/15/2010 Supporting

Document

Comparison Copies 10/19/2010 Comparison copies - CMI.pdf

(Superceded)


10/14/2010 Rate and

Rule

CMI - Revised manual page 10/19/2010 GR-8.pdf (Superceded)




N/A

Company Name Company NAIC Number 3. A. Columbia Mutual Insurance Company B. 40371



(A) COVERAGE

(See Instructions)


Level Change

(C) Requested

% Rate Level Change

(D)

Expected Loss Ratio

(E) Loss Cost

Modification Factor

(F) Selected



(If Applicable)



-3.8% 5.8%



Effective Date


(000)


State Loss Ratio


Provisions

2005 526 0 0 1,761 842 47.8% 39.3% A. Total Production Expense 0 2006 470 -9.69% 8/1/06 1,680 1,213 72.2% 84.7% B. General Expense 0 2007 448 0 0 1,585 788 49.7% 65.5% C. Taxes, Licenses & Fees 0 2008 415 0 0 1,571 1,178 74.9% 74.8% 2009 391 -0.20% 9/1/09 1,626 827 50.9% 60.5%


0

E. Other (explain) 0 F. TOTAL 0





N/A

Company Name Company NAIC Number 3. A. Columbia National Insurance Company B. 19640



(A) COVERAGE

(See Instructions)


Level Change

(C) Requested

% Rate Level Change

(D)

Expected Loss Ratio

(E) Loss Cost

Modification Factor

(F) Selected



(If Applicable)



13.9% 5.8%



Effective Date


(000)


State Loss Ratio


Provisions

2005 3 0 0 2 0 0% 33.7% A. Total Production Expense 0 2006 15 -9.69% 8/1/06 52 81 156.9% 79.1% B. General Expense 0 2007 30 0 0 147 342 232.9% 54.2% C. Taxes, Licenses & Fees 0 2008 44 0 0 223 156 69.7% 80.6% 2009 61 -0.20% 9/1/2009 297 627 211.2% 91.4%


0

E. Other (explain) 0 F. TOTAL 0



Arkansas Farmowners (1-1112-02) GR-8 CIG


• Siding – The siding must be of masonry, brick, veneer, stone, concrete, concrete block, tile, frame, aluminum, vinyl or steel shingles.


Type 2 Dwelling must be in good condition showing evidence of proper maintenance and housekeeping in every respect and meet all Type 1 requirements listed above with the exception of the following:

• Age of Dwelling – Over 40 years of age homes may be written if they have been well maintained and the roof, wiring, heating and plumbing systems have been modernized and meet today’s electrical and building codes. Do not confuse redecorating or room additions with updating of basic dwelling conditions. Comprehensive modernization is required.

• Heating Unit – Modern heating system as described in Type 1; or

Rigidly piped and permanently installed, thermostatically controlled approved gas or oil fueled ceiling or wall furnaces; or

Thermostatically controlled gas or oil fuel approved space heaters; and

Vented to a masonry-lined chimney built from the ground or to a factory made vent pipe.

Type 3 • All dwellings not eligible for Type 1 or Type 2 classifications. They must, however, meet Company

underwriting requirements.

• Gas or oil fuel approved space heaters must be vented to a masonry-lined chimney built from the ground or to a factory made vent pipe.

Wood-Burning Heating Systems Wood-burning stoves and furnaces may be acceptable as supplemental used for either auxiliary or primary source of heat, but not as a primary heating source. They must be professionally installed and properly vented must be connected to a tile lined masonry chimney constructed from the ground up and setting on its own masonry foundation or vented to a UL approved insulated or triple wall pipe. The dwelling must have an approved roof covering. A photograph of the wood-burning furnaces and thimble must be submitted along with form SHQ-1, Supplemental Heating Questionnaire. �

•Must be rated Type 3 if used as the primary source of heat.

•May be rated Type 1 or Type 2 only if used for auxiliary heat and all other Type 1 or Type 2 requirements are met.

•Wood-burning furnaces shall be considered as complying with the Type 2 heating requirements if professionally installed, properly vented to an approved flue and equipped with thermostatic controls, blower, and ductwork. The dwelling must have an approved roof covering. A photograph of the wood-burning furnaces and thimble must be submitted with the application.


TERRITORY 3



$20,000 783 826 1,174 1,239

$22,000 797 841 1,196 1,262

$24,000 812 856 1,218 1,285

$25,000 819 864 942 994 1,046 1,228 1,296

$26,000 826 872 950 1,003 1,056 1,239 1,308

$28,000 841 887 967 1,020 1,074 1,261 1,331

$30,000 855 902 950 984 1,038 1,093 1,283 1,354

$32,000 870 918 966 1,000 1,056 1,111 1,305 1,377

$34,000 884 933 982 1,017 1,073 1,130 1,326 1,400

$36,000 899 948 999 1,034 1,091 1,148 1,348 1,423

$38,000 913 964 1,015 1,051 1,108 1,167 1,370 1,446

$40,000 928 979 1,031 1,067 1,126 1,185 1,392 1,469

$42,000 942 994 1,047 1,084 1,144 1,204 1,414 1,492

$44,000 957 1,010 1,063 1,101 1,161 1,223 1,435 1,515

$46,000 971 1,025 1,079 1,117 1,179 1,241 1,457 1,538

$48,000 986 1,040 1,095 1,134 1,196 1,260 1,479 1,561

$50,000 1,000 1,056 1,111 1,151 1,214 1,278 1,501 1,584

$52,000 1,015 1,071 1,128 1,167 1,232 1,297 1,522 1,607

$54,000 1,029 1,086 1,144 1,184 1,249 1,315 1,544 1,630

$56,000 1,044 1,102 1,160 1,201 1,267 1,334 1,566 1,653

$58,000 1,059 1,117 1,176 1,218 1,285 1,352 1,588 1,676

$60,000 1,073 1,132 1,192 1,234 1,302 1,371 1,610 1,699

$65,000 1,125 1,187 1,250 1,294 1,365 1,437 1,688 1,781

$70,000 1,179 1,244 1,309 1,356 1,431 1,506 1,768 1,866

$75,000 1,231 1,299 1,367 1,416 1,494 1,572 1,846 1,948

$80,000 1,300 1,372 1,444 1,496 1,578 1,661 1,950 2,058

$85,000 1,370 1,445 1,522 1,575 1,662 1,750 2,055 2,168

$90,000 1,439 1,518 1,599 1,655 1,746 1,839 2,159 2,278

$95,000 1,509 1,592 1,676 1,735 1,831 1,927 2,263 2,388

$100,000 1,578 1,665 1,753 1,815 1,915 2,016 2,367 2,498

$110,000 1,704 1,798 1,893 1,960 2,068 2,177 2,556 2,698

$120,000 1,846 1,948 2,051 2,124 2,241 2,359 2,769 2,923

$130,000 1,973 2,081 2,191 2,269 2,394 2,520 2,959 3,123

For Each Add'l $10,000 add: 157.80 166.50 175.30 181.50 191.50 201.60 236.70 249.80



dwilliams

Text Box

Revised manual pages


TERRITORY 3



$20,000 712 751 1,068 1,126

$22,000 725 765 1,088 1,147

$24,000 738 779 1,108 1,168

$25,000 745 786 856 904 951 1,117 1,179

$26,000 751 793 864 912 960 1,127 1,189

$28,000 765 807 879 928 977 1,147 1,210

$30,000 778 821 864 894 944 993 1,167 1,231

$32,000 791 835 879 909 960 1,010 1,187 1,252

$34,000 804 848 893 925 976 1,027 1,207 1,273

$36,000 817 862 908 940 992 1,044 1,226 1,294

$38,000 831 876 923 955 1,008 1,061 1,246 1,314

$40,000 844 890 937 970 1,024 1,078 1,266 1,335

$42,000 857 904 952 985 1,040 1,095 1,286 1,356

$44,000 870 918 967 1,001 1,056 1,112 1,306 1,377

$46,000 883 932 981 1,016 1,072 1,128 1,325 1,398

$48,000 897 946 996 1,031 1,088 1,145 1,345 1,419

$50,000 910 960 1,011 1,046 1,104 1,162 1,365 1,440

$52,000 923 974 1,025 1,061 1,120 1,179 1,385 1,461

$54,000 936 988 1,040 1,076 1,136 1,196 1,405 1,482

$56,000 949 1,002 1,055 1,092 1,152 1,213 1,424 1,502

$58,000 963 1,016 1,069 1,107 1,168 1,230 1,444 1,523

$60,000 976 1,030 1,084 1,122 1,184 1,246 1,464 1,544

$65,000 1,023 1,079 1,137 1,176 1,241 1,307 1,535 1,619

$70,000 1,072 1,131 1,191 1,233 1,301 1,369 1,608 1,696

$75,000 1,119 1,181 1,243 1,287 1,358 1,430 1,679 1,771

$80,000 1,182 1,248 1,313 1,360 1,435 1,510 1,774 1,871

$85,000 1,246 1,314 1,384 1,432 1,511 1,591 1,869 1,971

$90,000 1,309 1,381 1,454 1,505 1,588 1,672 1,964 2,071

$95,000 1,372 1,447 1,524 1,577 1,664 1,752 2,058 2,171

$100,000 1,435 1,514 1,594 1,650 1,741 1,833 2,153 2,271

$110,000 1,550 1,635 1,722 1,782 1,880 1,980 2,325 2,453

$120,000 1,679 1,771 1,865 1,931 2,037 2,145 2,519 2,657

$130,000 1,794 1,893 1,993 2,063 2,176 2,291 2,691 2,839

For Each Add'l $10,000 add: 143.50 151.40 159.40 165.00 174.10 183.30 215.30 227.10



dwilliams

Text Box



TERRITORY 3



$20,000 1,002 1,057

$22,000 1,021 1,077

$24,000 1,039 1,096

$25,000 819 864 910 1,048 1,106

$26,000 826 872 918 1,058 1,116

$28,000 841 887 934 1,076 1,135

$30,000 727 767 808 855 902 950 1,095 1,155

$32,000 739 780 821 870 918 966 1,113 1,175

$34,000 751 793 835 884 933 982 1,132 1,194

$36,000 764 806 849 899 948 999 1,151 1,214

$38,000 776 819 862 913 964 1,015 1,169 1,233

$40,000 789 832 876 928 979 1,031 1,188 1,253

$42,000 801 845 890 942 994 1,047 1,206 1,273

$44,000 813 858 904 957 1,010 1,063 1,225 1,292

$46,000 826 871 917 971 1,025 1,079 1,244 1,312

$48,000 838 884 931 986 1,040 1,095 1,262 1,331

$50,000 850 897 945 1,000 1,056 1,111 1,281 1,351

$52,000 863 910 958 1,015 1,071 1,128 1,299 1,371

$54,000 875 923 972 1,029 1,086 1,144 1,318 1,390

$56,000 887 936 986 1,044 1,102 1,160 1,336 1,410

$58,000 900 949 999 1,059 1,117 1,176 1,355 1,429

$60,000 912 962 1,013 1,073 1,132 1,192 1,374 1,449

$65,000 956 1,009 1,062 1,125 1,187 1,250 1,440 1,519

$70,000 1,002 1,057 1,113 1,179 1,244 1,309 1,509 1,592

$75,000 1,046 1,104 1,162 1,231 1,299 1,367 1,576 1,662

$80,000 1,105 1,166 1,228 1,300 1,372 1,444 1,664 1,756

$85,000 1,164 1,228 1,293 1,370 1,445 1,522 1,753 1,850

$90,000 1,223 1,290 1,359 1,439 1,518 1,599 1,842 1,943

$95,000 1,282 1,353 1,424 1,509 1,592 1,676 1,931 2,037

$100,000 1,341 1,415 1,490 1,578 1,665 1,753 2,020 2,131

$110,000 1,448 1,528 1,609 1,704 1,798 1,893 2,182 2,301

$120,000 1,569 1,656 1,743 1,846 1,948 2,051 2,363 2,493

$130,000 1,676 1,769 1,863 1,973 2,081 2,191 2,525 2,664

For Each Add'l $10,000 add: 134.10 141.50 149.00 157.80 166.50 175.30 202.00 213.10



dwilliams

Text Box

Revised manual page


TERRITORY 3



$20,000 911 961

$22,000 928 979

$24,000 945 997

$25,000 745 786 827 953 1,006

$26,000 751 793 835 962 1,015

$28,000 765 807 849 979 1,033

$30,000 661 698 734 778 821 864 996 1,050

$32,000 672 709 747 791 835 879 1,013 1,068

$34,000 684 721 759 804 848 893 1,029 1,086

$36,000 695 733 772 817 862 908 1,046 1,104

$38,000 706 745 784 831 876 923 1,063 1,122

$40,000 717 757 797 844 890 937 1,080 1,140

$42,000 729 769 809 857 904 952 1,097 1,157

$44,000 740 780 822 870 918 967 1,114 1,175

$46,000 751 792 834 883 932 981 1,131 1,193

$48,000 762 804 847 897 946 996 1,148 1,211

$50,000 773 816 859 910 960 1,011 1,165 1,229

$52,000 785 828 872 923 974 1,025 1,182 1,247

$54,000 796 840 884 936 988 1,040 1,198 1,264

$56,000 807 851 896 949 1,002 1,055 1,215 1,282

$58,000 818 863 909 963 1,016 1,069 1,232 1,300

$60,000 830 875 921 976 1,030 1,084 1,249 1,318

$65,000 870 918 966 1,023 1,079 1,137 1,310 1,382

$70,000 911 961 1,012 1,072 1,131 1,191 1,372 1,448

$75,000 952 1,004 1,057 1,119 1,181 1,243 1,433 1,512

$80,000 1,005 1,060 1,117 1,182 1,248 1,313 1,514 1,597

$85,000 1,059 1,117 1,176 1,246 1,314 1,384 1,595 1,682

$90,000 1,113 1,174 1,236 1,309 1,381 1,454 1,675 1,767

$95,000 1,166 1,230 1,295 1,372 1,447 1,524 1,756 1,853

$100,000 1,220 1,287 1,355 1,435 1,514 1,594 1,837 1,938

$110,000 1,318 1,390 1,463 1,550 1,635 1,722 1,984 2,093

$120,000 1,427 1,506 1,585 1,679 1,771 1,865 2,149 2,267

$130,000 1,525 1,609 1,694 1,794 1,893 1,993 2,296 2,423

For Each Add'l $10,000 add: 122.00 128.70 135.50 143.50 151.40 159.40 183.70 193.80



dwilliams

Text Box



TERRITORY 5


Premium Group 14 14 14 16 16 16 18 18

$20,000 826 872 1,239 1,308

$22,000 841 888 1,262 1,332

$24,000 856 904 1,285 1,356

$25,000 864 912 994 1,049 1,104 1,296 1,369

$26,000 872 920 1,003 1,059 1,114 1,308 1,381

$28,000 887 937 1,020 1,077 1,134 1,331 1,405

$30,000 902 953 1,003 1,038 1,096 1,153 1,354 1,429

$32,000 918 969 1,020 1,056 1,115 1,173 1,377 1,454

$34,000 933 985 1,037 1,073 1,133 1,193 1,400 1,478

$36,000 948 1,001 1,054 1,091 1,152 1,212 1,423 1,502

$38,000 964 1,018 1,071 1,108 1,170 1,232 1,446 1,526

$40,000 979 1,034 1,088 1,126 1,189 1,251 1,469 1,551

$42,000 994 1,050 1,105 1,144 1,208 1,271 1,492 1,575

$44,000 1,010 1,066 1,122 1,161 1,226 1,290 1,515 1,599

$46,000 1,025 1,082 1,139 1,179 1,245 1,310 1,538 1,623

$48,000 1,040 1,098 1,156 1,196 1,263 1,330 1,561 1,648

$50,000 1,056 1,115 1,173 1,214 1,282 1,349 1,584 1,672

$52,000 1,071 1,131 1,190 1,232 1,301 1,369 1,607 1,696

$54,000 1,086 1,147 1,207 1,249 1,319 1,388 1,630 1,720

$56,000 1,102 1,163 1,224 1,267 1,338 1,408 1,653 1,745

$58,000 1,117 1,179 1,241 1,285 1,356 1,427 1,676 1,769

$60,000 1,132 1,195 1,258 1,302 1,375 1,447 1,699 1,793

$65,000 1,187 1,253 1,319 1,365 1,442 1,517 1,781 1,880

$70,000 1,244 1,313 1,382 1,431 1,510 1,590 1,866 1,970

$75,000 1,299 1,371 1,443 1,494 1,577 1,660 1,948 2,057

$80,000 1,372 1,449 1,524 1,578 1,666 1,753 2,058 2,173

$85,000 1,445 1,526 1,606 1,662 1,755 1,847 2,168 2,289

$90,000 1,518 1,603 1,687 1,746 1,844 1,941 2,278 2,405

$95,000 1,592 1,681 1,769 1,831 1,933 2,034 2,388 2,521

$100,000 1,665 1,758 1,850 1,915 2,022 2,128 2,498 2,637

$110,000 1,798 1,899 1,998 2,068 2,184 2,298 2,698 2,848

$120,000 1,948 2,057 2,165 2,241 2,366 2,490 2,923 3,085

$130,000 2,081 2,198 2,313 2,394 2,528 2,660 3,123 3,296

For Each Add'l $10,000 add: 166.50 175.80 185.00 191.50 202.20 212.80 249.80 263.70



dwilliams

Text Box

Revised manual page


TERRITORY 5


Premium Group 14 14 14 16 16 16 18 18

$20,000 787 830 1,180 1,245

$22,000 801 846 1,202 1,269

$24,000 816 861 1,224 1,292

$25,000 823 869 947 999 1,051 1,235 1,303

$26,000 830 877 955 1,008 1,061 1,246 1,315

$28,000 845 892 972 1,026 1,079 1,268 1,338

$30,000 860 907 955 989 1,043 1,098 1,289 1,361

$32,000 874 923 971 1,005 1,061 1,117 1,311 1,384

$34,000 889 938 987 1,022 1,079 1,135 1,333 1,407

$36,000 903 954 1,004 1,039 1,096 1,154 1,355 1,430

$38,000 918 969 1,020 1,056 1,114 1,173 1,377 1,453

$40,000 933 984 1,036 1,073 1,132 1,191 1,399 1,476

$42,000 947 1,000 1,052 1,089 1,150 1,210 1,421 1,500

$44,000 962 1,015 1,068 1,106 1,167 1,229 1,443 1,523

$46,000 976 1,031 1,085 1,123 1,185 1,247 1,465 1,546

$48,000 991 1,046 1,101 1,140 1,203 1,266 1,486 1,569

$50,000 1,006 1,061 1,117 1,156 1,220 1,284 1,508 1,592

$52,000 1,020 1,077 1,133 1,173 1,238 1,303 1,530 1,615

$54,000 1,035 1,092 1,150 1,190 1,256 1,322 1,552 1,638

$56,000 1,049 1,108 1,166 1,207 1,274 1,340 1,574 1,661

$58,000 1,064 1,123 1,182 1,224 1,291 1,359 1,596 1,684

$60,000 1,078 1,138 1,198 1,240 1,309 1,378 1,618 1,707

$65,000 1,131 1,194 1,256 1,301 1,373 1,445 1,696 1,790

$70,000 1,185 1,250 1,316 1,363 1,438 1,513 1,777 1,876

$75,000 1,237 1,306 1,374 1,423 1,502 1,580 1,856 1,959

$80,000 1,307 1,379 1,452 1,503 1,586 1,669 1,960 2,069

$85,000 1,377 1,453 1,529 1,583 1,671 1,759 2,065 2,180

$90,000 1,446 1,527 1,607 1,663 1,756 1,848 2,170 2,290

$95,000 1,516 1,600 1,684 1,744 1,840 1,937 2,274 2,401

$100,000 1,586 1,674 1,762 1,824 1,925 2,026 2,379 2,511

$110,000 1,713 1,808 1,903 1,970 2,079 2,188 2,569 2,712

$120,000 1,856 1,959 2,062 2,134 2,252 2,370 2,783 2,938

$130,000 1,983 2,093 2,203 2,280 2,406 2,533 2,974 3,139

For Each Add'l $10,000 add: 158.60 167.40 176.20 182.40 192.50 202.60 237.90 251.10



dwilliams

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TERRITORY 5


Premium Group 13 13 13 15 15 15 17 17

$20,000 1,057 1,116

$22,000 1,077 1,137

$24,000 1,096 1,157

$25,000 864 912 960 1,106 1,168

$26,000 872 920 969 1,116 1,178

$28,000 887 937 986 1,135 1,199

$30,000 767 810 853 902 953 1,003 1,155 1,220

$32,000 780 823 867 918 969 1,020 1,175 1,240

$34,000 793 837 882 933 985 1,037 1,194 1,261

$36,000 806 851 896 948 1,001 1,054 1,214 1,282

$38,000 819 865 910 964 1,018 1,071 1,233 1,302

$40,000 832 878 925 979 1,034 1,088 1,253 1,323

$42,000 845 892 939 994 1,050 1,105 1,273 1,344

$44,000 858 906 954 1,010 1,066 1,122 1,292 1,364

$46,000 871 920 968 1,025 1,082 1,139 1,312 1,385

$48,000 884 933 983 1,040 1,098 1,156 1,331 1,406

$50,000 897 947 997 1,056 1,115 1,173 1,351 1,427

$52,000 910 961 1,012 1,071 1,131 1,190 1,371 1,447

$54,000 923 975 1,026 1,086 1,147 1,207 1,390 1,468

$56,000 936 988 1,041 1,102 1,163 1,224 1,410 1,489

$58,000 949 1,002 1,055 1,117 1,179 1,241 1,429 1,509

$60,000 962 1,016 1,070 1,132 1,195 1,258 1,449 1,530

$65,000 1,009 1,065 1,122 1,187 1,253 1,319 1,519 1,604

$70,000 1,057 1,116 1,175 1,244 1,313 1,382 1,592 1,681

$75,000 1,104 1,165 1,227 1,299 1,371 1,443 1,662 1,755

$80,000 1,166 1,231 1,296 1,372 1,449 1,524 1,756 1,854

$85,000 1,228 1,297 1,365 1,445 1,526 1,606 1,850 1,953

$90,000 1,290 1,363 1,435 1,518 1,603 1,687 1,943 2,052

$95,000 1,353 1,428 1,504 1,592 1,681 1,769 2,037 2,151

$100,000 1,415 1,494 1,573 1,665 1,758 1,850 2,131 2,250

$110,000 1,528 1,614 1,699 1,798 1,899 1,998 2,301 2,430

$120,000 1,656 1,748 1,840 1,948 2,057 2,165 2,493 2,633

$130,000 1,769 1,868 1,966 2,081 2,198 2,313 2,664 2,813

For Each Add'l $10,000 add: 141.50 149.40 157.30 166.50 175.80 185.00 213.10 225.00



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Revised manual page


TERRITORY 5


Premium Group 13 13 13 15 15 15 17 17

$20,000 1,007 1,063

$22,000 1,026 1,083

$24,000 1,044 1,102

$25,000 823 869 914 1,054 1,112

$26,000 830 877 923 1,063 1,122

$28,000 845 892 939 1,082 1,142

$30,000 731 771 812 860 907 955 1,100 1,162

$32,000 743 784 826 874 923 971 1,119 1,181

$34,000 755 797 839 889 938 987 1,138 1,201

$36,000 768 811 853 903 954 1,004 1,156 1,221

$38,000 780 824 867 918 969 1,020 1,175 1,240

$40,000 793 837 881 933 984 1,036 1,194 1,260

$42,000 805 850 895 947 1,000 1,052 1,212 1,280

$44,000 817 863 908 962 1,015 1,068 1,231 1,300

$46,000 830 876 922 976 1,031 1,085 1,250 1,319

$48,000 842 889 936 991 1,046 1,101 1,268 1,339

$50,000 855 902 950 1,006 1,061 1,117 1,287 1,359

$52,000 867 915 964 1,020 1,077 1,133 1,306 1,378

$54,000 879 928 977 1,035 1,092 1,150 1,324 1,398

$56,000 892 941 991 1,049 1,108 1,166 1,343 1,418

$58,000 904 955 1,005 1,064 1,123 1,182 1,362 1,438

$60,000 917 968 1,019 1,078 1,138 1,198 1,380 1,457

$65,000 961 1,015 1,068 1,131 1,194 1,256 1,447 1,528

$70,000 1,007 1,063 1,119 1,185 1,250 1,316 1,516 1,601

$75,000 1,051 1,110 1,168 1,237 1,306 1,374 1,583 1,672

$80,000 1,111 1,173 1,234 1,307 1,379 1,452 1,673 1,766

$85,000 1,170 1,235 1,300 1,377 1,453 1,529 1,762 1,860

$90,000 1,229 1,298 1,366 1,446 1,527 1,607 1,851 1,954

$95,000 1,289 1,360 1,432 1,516 1,600 1,684 1,941 2,049

$100,000 1,348 1,423 1,498 1,586 1,674 1,762 2,030 2,143

$110,000 1,456 1,537 1,618 1,713 1,808 1,903 2,192 2,314

$120,000 1,577 1,665 1,753 1,856 1,959 2,062 2,375 2,507

$130,000 1,685 1,779 1,873 1,983 2,093 2,203 2,538 2,679

For Each Add'l $10,000 add: 134.80 142.30 149.80 158.60 167.40 176.20 203.00 214.30



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Territory Territory Territory 3 4 5 Coverage F - Scheduled Farm Personal Property Household Contents Mobile Home 24.5627.02 25.85 27.1432.57 Type 1 Dwelling 10.8111.89 11.40 11.9914.39 Type 2 Dwelling 16.2217.84 17.04 17.9221.50 Type 3 Dwelling 17.9219.71 18.80 19.7423.69 Combines and Cotton Pickers 12.2813.51 12.93 13.5716.28 Grain (covered only for loss by fire while in the open) 9.2810.21 9.75 10.2212.26 Hay, Straw and Fodder - In Building 22.9125.20 24.09 25.3230.38 Hay, Straw and Fodder - In the Open 9.1110.02 9.58 10.0512.06 Irrigation Equipment Self Propelled or Upright Type Including Non-Submersible Pumps and Motors 5 Towers or Less 9.9310.92 10.58 11.2213.46 6 or More Towers 12.2813.51 12.93 13.5716.28 All Other Type Systems 7.588.34 8.23 8.8710.64 Livestock & Poultry 8.409.24 8.81 9.2811.14 Machinery, Vehicles and Equipment: Specifically Described and Not Otherwise Rated 7.938.72 8.34 8.7510.50 Undescribed (Including Tools & Supplies) (Limited to $2,500 on Any One Item) 8.409.24 8.81 9.2811.14 Borrowed, Rented or Leased 8.409.24 8.81 9.2811.14 Micro Utility Vehicles – (MUT) 15.8617.45 16.68 17.5021.00 Portable Buildings and Portable Structures 19.4521.40 20.45 21.4425.73 Submersible Pumps 30.6133.67 32.20 33.7840.54 Tobacco in Barns 10.5211.57 11.05 11.5713.88 Other Farm Personal Property (Excludes windstorm or hail loss to farm produce in stacks, shocks or swaths) 9.2810.21 9.75 10.2212.26 Coverage G - Unscheduled Farm Personal Property (Limit on Livestock not to exceed $2,500 on any one head)

















AAmount Code FACTOR

CoverageA

Amount Code FACTOR

CoverageA

Amount Code FACTOR

CoverageA

Amount Code FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650

$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700

$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750

$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800

$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850

$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900

$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950

$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350

$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400

$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L

$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10

$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount Code FACTOR

CoverageC

Amount Code FACTOR

CoverageC

Amount Code FACTOR

CoverageC

Amount Code FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050

$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100

$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150

$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800

$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850

$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L

$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240

$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000



M 0.85 4 1679 212

F 1.00 5 1850 222M 1.00

F 1.15

M 1.28

F 1.50

1

2

3


AR - 1 CIG

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Revised manual page

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AAmount

Code FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

CoverageA

AmountCode FACTOR

$20,000 (020) .496 $46,000 (046) .616 $105,000 (105) 1.040 $170,000 (170) 1.650

$22,000 (022) .505 $48,000 (048) .625 $110,000 (110) 1.080 $175,000 (175) 1.700

$24,000 (024) .514 $50,000 (050) .634 $115,000 (115) 1.125 $180,000 (180) 1.750

$26,000 (026) .524 $55,000 (055) .657 $120,000 (120) 1.170 $185,000 (185) 1.800

$28,000 (028) .533 $60,000 (060) .680 $125,000 (125) 1.210 $190,000 (190) 1.850

$30,000 (030) .542 $65,000 (065) .713 $130,000 (130) 1.250 $195,000 (195) 1.900

$32,000 (032) .551 $70,000 (070) .747 $135,000 (135) 1.300 $200,000 (200) 1.950

$34,000 (034) .560 $75,000 (075) .780 $140,000 (140) 1.350

$36,000 (036) .570 $80,000 (080) .824 $145,000 (145) 1.400

$38,000 (038) .579 $85,000 (085) .868 $150,000 (150) 1.450

$40,000 (040) .588 $90,000 (090) .912 $155,000 (155) 1.500 EACH ADD'L

$42,000 (042) .597 $95,000 (095) .956 $160,000 (160) 1.550 $10,000 add: 0.10

$44,000 (044) .606 $100,000 (100) 1.000 $165,000 (165) 1.600


CAmount

Code FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

CoverageC

AmountCode FACTOR

$6,000 (006) 0.750 $15,000 (015) 1.210 $24,000 (024) 1.638 $33,000 (033) 2.050

$7,000 (007) 0.808 $16,000 (016) 1.269 $25,000 (025) 1.676 $34,000 (034) 2.100

$8,000 (008) 0.866 $17,000 (017) 1.298 $26,000 (026) 1.713 $35,000 (035) 2.150

$9,000 (009) 0.933 $18,000 (018) 1.326 $27,000 (027) 1.757 $40,000 (040) 2.419

$10,000 (010) 1.000 $19,000 (019) 1.370 $28,000 (028) 1.800

$11,000 (011) 1.050 $20,000 (020) 1.414 $29,000 (029) 1.850

$12,000 (012) 1.100 $21,000 (021) 1.476 $30,000 (030) 1.900 EACH ADD'L

$13,000 (013) 1.125 $22,000 (022) 1.538 $31,000 (031) 1.950 $5,000 add: 0.240

$14,000 (014) 1.150 $23,000 (023) 1.588 $32,000 (032) 2.000


0.900 0.950 1.000


Bldg. Territory Key Premium Key Premium

Type Const. Factor 3 1594 201

M 0.85 4 1679 212

F 1.00 5 1762 222

M 1.00

F 1.15

M 1.28

F 1.50

1

2

3


AR - 1 CIG

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Arkansas Farmowners (1-11) GR-8 CIG


• Siding – The siding must be of masonry, brick, veneer, stone, concrete, concrete block, tile, frame, aluminum, vinyl or steel shingles.


Type 2 Dwelling must be in good condition showing evidence of proper maintenance and housekeeping in every respect and meet all Type 1 requirements listed above with the exception of the following:

• Age of Dwelling – Over 40 years of age homes may be written if they have been well maintained and the roof, wiring, heating and plumbing systems have been modernized and meet today’s electrical and building codes. Do not confuse redecorating or room additions with updating of basic dwelling conditions. Comprehensive modernization is required.

• Heating Unit – Modern heating system as described in Type 1; or

Rigidly piped and permanently installed, thermostatically controlled approved gas or oil fueled ceiling or wall furnaces; or

Thermostatically controlled gas or oil fuel approved space heaters; and

Vented to a masonry-lined chimney built from the ground or to a factory made vent pipe.

Type 3 • All dwellings not eligible for Type 1 or Type 2 classifications. They must, however, meet

Company underwriting requirements.

• Gas or oil fuel approved space heaters must be vented to a masonry-lined chimney built from the ground or to a factory made vent pipe.

Wood-Burning Heating Systems • Wood-burning stoves and furnaces may be acceptable as supplemental auxiliary heat, but not

as a primary heating source. They must be professionally installed and properly vented to a tile lined masonry chimney constructed from the ground up and setting on its own masonry foundation, or vented to a UL approved insulated or triple wall pipe. The dwelling must have an approved roof covering. A photograph of the wood-burning stove, or furnace and thimble must be submitted along with form SHQ-1, Supplemental Heating Questionnaire.

Documents

Filing at a Glance - ambest.com · Product Name: Farmowners Project Name/Number: Revised base rates/10-75 2. 20% on Coverage G - Unscheduled Farm Personal Property in Territory 5