NEW YORK WORKERS COMPENSATION Page 1 AND EMPLOYERS LIABILITY MANUAL Original Printing
NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing Page 1 Effective October 1, 2013 PART THREE - LOSS COSTS (NOT RATES) (a) Loss Cost, etc., for each individual risk shall be obtained from the Rating Board. e Refer to Page 7 for Loss Costs. c F Loss Cost provides coverage under the United States Refer to Page 5 for Loss Costs. Longshore & Harbor Workers' Compensation Act. D This classification may only be used upon the specific assignment of r Refer to Page 3 for Loss Costs. the Board. Code Number Code Number Loss Cost Code Number Loss Cost Code Number Loss Cost Loss Cost Code Number Loss Cost 0005 0006 0007 0031 0034 2.25 5.47 4.81 4.08 4.06 . . . . . 1924 1925 2001 2002 2003 7.51 5.73 7.27 6.20 6.64 . . . . . 2402 2413 2416 2417 2501 2.45 5.14 1.91 5.19 1.09 . . . . . 2818 D 2835 2841 2881 2883 5.00 3.81 5.07 4.23 5.12 . . . . . 3146 3169 3179 3188 3190 3.56 2.78 3.24 5.63 2.93 . . . . . 0035 0042 0050 0106 0251 2.48 6.37 4.30 13.40 7.23 . . . . . 2014 2021 2039 2041 2065 6.02 4.61 5.08 3.95 5.54 . . . . . 2503 2534 2553 2570 2571 0.99 4.20 2.42 5.70 3.88 . . . . . 2913 2916 2923 2942 TT 3004 2.57 4.74 1.83 2.13 8.07 . . . . . 3191 3200 3220 3227 3241 3.09 3.41 4.79 39.85 6.67 . . . . . 0767 h, T 0771 i 0908 0909 0912 1.63 4.16 r r r . . . . . 2070 2081 2089 2095 2101 6.38 14.72 8.72 9.91 5.05 . . . . . 2576 2578 2590 2591 2593 7.50 3.53 2.77 4.88 5.21 . . . . . 3018 3022 3027 3028 3030 11.93 10.48 1.56 8.87 8.35 . . . . . 3255 T 3257 3270 3300 T 3303 T 4.48 3.81 2.35 4.30 7.58 . . . . . 0913 0917 1170 1320 1430 r 5.03 4.89 8.05 7.52 . . . . . 2105 2111 2112 2114 2121 6.55 5.94 7.05 5.71 5.79 . . . . . 2594 2600 2623 2640 2660 6.39 5.63 5.29 13.55 4.07 . . . . . 3040 3041 D 3042 3060 3064 9.14 5.48 7.56 22.19 8.26 . . . . . 3307 3315 3336 3365 3372 5.25 4.93 2.57 8.31 4.58 . . . . . 1438 1439 1452 1463 1470 4.43 6.51 5.45 7.59 11.62 . . . . . 2143 2150 2157 2172 2211 T 4.77 9.38 11.36 2.04 9.22 . . . . . 2670 2683 2688 2689 2702 4.26 4.42 1.76 0.84 43.38 . . . . . 3066 D 3067 D 3076 3081 3085 3.93 7.25 5.37 16.77 9.39 . . . . . 3381 3383 3384 3385 3400 3.39 1.03 0.35 1.31 8.59 . . . . . 1624 1701 1710 1741 1747 4.13 5.58 5.86 7.83 18.60 . . . . . 2286 T 2288 2302 2303 T 2305 T 5.14 11.73 5.84 7.45 9.94 . . . . . 2710 2714 2731 2735 T 2737 8.02 12.04 5.69 4.00 9.11 . . . . . 3110 3111 3113 3114 3118 11.26 7.01 3.23 2.11 3.02 . . . . . 3507 3515 3548 3559 3561 3.69 3.60 3.28 2.38 2.28 . . . . . 1748 1809 1810 1853 1860 7.44 10.06 10.20 4.26 10.72 . . . . . 2362 2380 2383 T 2387 2388 2.16 10.24 3.32 3.48 4.08 . . . . . 2759 2790 2802 2816 D 2817 D 12.32 4.25 6.29 5.20 5.74 . . . . . 3122 3126 3129 3132 3145 7.65 13.26 5.67 3.31 2.85 . . . . . 3574 3581 3612 3620 3629 1.71 2.11 3.74 6.37 2.98 . . . . . Non-Ratable Code and Loss Cost (not Rate) to be used with: h 4767 i 4771 T Code is scheduled to be discontinued, effective October 1, 2017. TT Code is scheduled to be discontinued, effective October 1, 2022. Page 2 NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing Effective October 1, 2013 Code Number Loss Cost 3632 3634 3635 3638 3642 4.40 3.41 2.95 2.84 2.10 . . . . . 4250 4251 4263 4273 4279 3.40 4.31 3.67 3.72 4.73 . . . . . 4710 4712 4720 4751 4767 g, T 4.33 4.58 4.03 3.62 6.66 3643 3647 3648 3681 3685 3.84 5.20 4.18 1.92 1.86 . . . . . 4282 4298 4299 4301 4304 0.66 2.10 3.35 5.15 6.35 . . . . . 4771 m 4825 4828 4829 4902 3686 3724 3726 3737 3807 1.73 6.64 14.38 5.06 4.66 . . . . . 4307 4310 4312 4351 4352 3.11 3.50 2.24 1.79 0.82 . . . . . 3808 3821 3823 3824 3826 3.97 11.15 10.21 4.22 2.76 . . . . . 4360 4361 4362 4410 4420 0.31 1.01 0.55 7.87 11.45 3827 3830 3832 3865 3881 7.25 4.47 3.29 2.53 (a) . . . . . 4431 4432 4439 TT 4452 4459 4000 4024 4034 4038 4053 5.21 5.68 13.35 4.46 11.29 . . . . . 4061 4062 4101 4111 4112 8.15 6.72 3.45 3.80 3.33 4114 4130 4131 4133 4150 4207 4239 4240 4243 4244 * Code Number Code Number Code Number Loss Cost . . . . . 5507 5508 5536 5538 5545 12.41 5.98 8.36 11.11 25.56 . . . . . 6874 F 6875 F 6882 6884 6885 48.33 61.75 4.67 36.81 51.79 . . . . . 8.38 1.16 2.07 2.72 3.71 . . . . . 5547 5606 5610 5645 5648 19.54 3.46 7.27 11.36 16.56 . . . . . 7016 7024 7038 7046 7047 6.06 6.72 3.50 5.44 10.45 . . . . . 4923 5000 5022 5037 5040 2.12 27.09 16.05 28.08 27.62 . . . . . 5651 5701 5703 5709 5951 7.10 14.77 15.77 13.75 1.24 . . . . . 7050 7090 7098 7099 7133 5.41 3.88 6.04 8.41 4.34 . . . . . . . . . . 5057 5059 5069 5102 5160 15.51 29.88 47.53 12.81 6.64 . . . . . 5954 6003 6005 6017 6018 3.83 16.44 5.37 2.47 14.95 . . . . . 7197 7201 7207 7219 7231 5.72 5.61 3.57 10.88 10.06 . . . . . 4.70 1.89 1.45 4.45 4.73 . . . . . 5183 5184 5188 5190 5191 7.42 8.07 5.21 6.08 1.68 . . . . . 6045 6204 6216 6217 6229 3.82 12.93 8.10 8.15 6.11 . . . . . 7242 7309 7313 7317 7327 20.35 8.76 1.56 15.94 17.66 . . . . . 4470 4475 4476 4479 4491 T 3.48 4.21 3.05 2.91 6.46 . . . . . 5192 5193 5213 5221 5222 6.77 13.75 16.83 11.72 15.42 . . . . . 6233 6235 6251 6252 6260 6.36 8.34 12.59 3.38 (a) . . . . . 7333 7335 7337 7364 7366 F 8.68 9.64 14.28 4.33 12.07 . . . . . . . . . . 4493 4511 4557 4558 4561 T 6.07 0.74 2.79 3.29 5.46 . . . . . 5223 5348 5402 5403 5428 8.92 7.04 10.57 12.11 11.51 . . . . . 6306 6319 6325 6400 6504 12.91 8.29 8.95 8.86 6.39 . . . . . 7367 7368 7370 7377 7380 * 11.53 7.08 c 7.53 9.79 . . . . . 4.14 8.11 4.02 1.74 1.96 . . . . . 4568 4583 4597 4611 4628 3.14 13.87 3.25 2.67 1.70 . . . . . 5429 5443 5445 5462 5473 6.92 8.91 8.56 12.63 26.71 . . . . . 6701 6801 6811 6824 6826 FD D F F 12.25 24.09 7.72 11.17 2.53 . . . . . 7390 7394 7395 7398 7403 8.41 5.18 5.74 8.09 5.54 . . . . . 1.49 5.37 5.06 4.61 4.50 . . . . . 4635 4653 4665 4692 4693 5.45 2.90 10.82 0.82 4.37 . . . . . 5474 5479 5480 5491 5506 9.47 8.12 5.85 3.48 16.36 . . . . . 6834 6836 6843 FD 6854 D 6872 F 3.85 4.25 3.68 2.54 27.45 . . . . . 7405 h 7421 7422 7431 i 7445 j 2.18 1.41 2.19 1.14 0.44 . . . . . Loss Cost 7380 - Ex-Medical Loss Cost (not Rate) for this classification is Loss Cost Code Number 7.01 For Non-Ratable portion of Loss Cost (not Rate), refer to: g 0767 m 0771 Non-Ratable Code and Loss Cost (not Rate) to be used with: j 7405 k 7431 For Non-Ratable portion of Loss Cost (not Rate), refer to h 7445 i 7453 T Code is scheduled to be discontinued, effective October 1, 2017 TT Code is scheduled to be discontinued, effective October 1, 2022 Loss Cost F F FD F NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing Effective October 1, 2013 Code Number Code Number Loss Cost Code Number Loss Cost Code Number Loss Cost 7453 k 7502 7515 7520 7536 0.42 1.46 1.21 5.51 8.23 . . . . . 8034 8039 8043 8044 8046 7.64 3.23 1.12 3.90 4.36 . . . . . 8382 8385 8391 8392 8394 7538 7539 7542 7570 T 7580 11.63 1.65 4.68 1.68 4.80 . . . . . 8047 8048 8068 8069 8072 1.89 5.51 0.74 1.18 1.29 . . . . . 7590 7600 7601 7610 7710 3.72 5.54 9.31 0.45 4.04 . . . . . 8090 8102 8103 8105 8106 1.52 6.14 4.37 3.29 7.46 7711 7716 7720 7723 7855 e e 1.31 2.10 5.13 . . . . . 8107 8111 8116 8199 8209 7998 7999 8001 8006 8008 2.77 2.30 2.27 1.83 1.14 . . . . . 8012 8013 8016 8017 8018 1.38 0.40 0.32 1.47 4.07 8021 8025 8031 8032 8033 5.11 2.54 2.94 1.14 3.72 & @ # § T Page 3 Loss Cost Code Number Loss Cost 2.94 8.05 4.29 2.17 6.45 . . . . . 8868 8869 8871 8901 9014 0.58 0.79 0.55 0.35 5.80 . . . . . 9157 9158 9159 9160 9178 4.52 1.76 1.18 1.77 3.11 . . . . . 8500 8601 D 8709 F 8719 8720 7.99 0.66 14.62 2.19 2.33 . . . . . 9015 9016 9019 9025 9026 3.30 8.91 2.03 20.56 3.79 . . . . . 9179 9180 9182 9186 9220 5.54 2.52 1.91 10.65 6.44 . . . . . . . . . . 8726 F 8731 8742 8745 8747 2.42 2.30 0.43 8.39 0.29 . . . . . 9027 9028 9029 9030 9040 # r 3.48 6.34 4.86 5.15 . . . . . 9402 9403 9410 9501 9505 7.02 12.65 4.43 2.56 3.15 . . . . . 4.39 4.83 3.84 3.77 7.68 . . . . . 8748 8751 8755 8800 8802 1.26 4.24 0.63 1.82 1.17 . . . . . 9044 9048 § 9051 9052 9055 4.43 3.66 4.00 3.97 1.12 . . . . . 9519 9521 9522 9526 9527 4.40 4.51 2.83 25.35 27.35 . . . . . 8215 8227 D 8232 8235 8263 11.86 12.00 6.00 8.27 8.17 . . . . . 8803 8809 8810 & 8820 8829 0.10 0.21 0.20 0.18 3.75 . . . . . 9058 9059 9060 9061 9063 2.10 6.69 1.85 1.68 0.93 . . . . . 9534 9539 9545 9549 9552 16.51 11.28 9.54 3.17 15.63 . . . . . . . . . . 8264 8265 8280 8288 8291 10.17 9.23 13.02 3.61 9.81 . . . . . 8831 8832 8833 @ 8838 8840 1.52 0.54 1.59 0.53 0.47 . . . . . 9065 9071 9072 9074 9088 0.79 2.04 2.24 1.34 8.88 . . . . . 9553 9585 9586 9600 9610 8.54 1.00 0.70 1.33 0.70 . . . . . . . . . . 8292 8293 8350 8353 8381 8.52 12.32 10.01 5.64 2.85 . . . . . 8854 8857 8864 8865 8866 3.93 1.96 3.53 3.45 3.71 . . . . . 9089 9093 9101 9102 9149 0.50 2.16 4.67 2.61 1.80 . . . . . 9620 1.33 . 8068 - Class established effective October 1, 2011 8069 - Class established effective October 1, 2011 8810 - Ex-Medical Loss Cost (not Rate) for this classification is 0.15 8833 - Ex-Medical Loss Cost (not Rate) for this classification is 1.24 9040 - Ex-Medical Loss Cost (not Rate) for this classification is 3.69 9048 - Camps: Any adjustment in tuition fee made in consideration of services rendered shall not be considered as remuneration. Code is scheduled to be discontinued, effective October 1, 2017. DOMESTIC WORKERS - RESIDENCES CLASSIFICATIONS Domestic Workers - Inside ................................................................. Domestic Workers - Inside - Occasional .......................................... Domestic Workers - Outside - including private chauffeurs ............. Domestic Workers - Outside - Occasional - including occasional private chauffeurs ............................................................................ BUILDINGS Code No. Per Location Loss Cost 9027 16.73 Code No. Per Capita Loss Cost 0913 0908 0912 320.21 84.86 767.20 0909 172.21 . Page 4 Effective October 1, 2013 RESERVED FOR FUTURE USE NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing Page 5 Effective October 1, 2013 MISCELLANEOUS VALUES Ambulance-Volunteer Service Company - Code 7370 Applicable in accordance with Manual Rule II-G3 ……Ambulance - Loss Cost (NOT Rate) Each additional Ambulance - Loss Cost (NOT Rate) $8,325 $4,163 For a group policy subject to the provisions of Section 32.2 of the Volunteer Ambulance Workers’ Benefit Law, premium is determined based on a charge for the first ambulance plus the additional ambulance charge for each additional ambulance covered by the group policy. See Manual rule regarding the application of this charge to antique ambulances. Construction Employment Geographic Territories and Differentials # Territory 1 - Counties of The Bronx, Kings, New York, Queens, and Richmond 0.0 % Territory 2 - Counties of Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk, and Westchester 0.0 % Territory 3 - All Other Counties 0.0 % # Location of work actually performed determines the territory for premium determination purposes. Territory Differentials are to be applied to each portion of an affected classification’s manual premium corresponding to the payroll related to work performed in each territory. Refer to Rule VI.I. Deductible Program - Deductible applies on a per occurrence basis. Deductible $100 $200 $300 $400 $500 $1,000 $1,500 $2,000 $2,500 $5,000 Percentage Loss Elimination Ratios (NOT Premium Credits) by Hazard Group A B C D E F G 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.4% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2% 0.6% 0.5% 0.4% 0.4% 0.3% 0.3% 0.2% 0.7% 0.7% 0.5% 0.5% 0.4% 0.3% 0.3% 0.9% 0.8% 0.6% 0.6% 0.5% 0.4% 0.4% 1.7% 1.5% 1.2% 1.1% 1.0% 0.8% 0.7% 2.5% 2.2% 1.7% 1.6% 1.4% 1.1% 1.0% 3.2% 2.8% 2.2% 2.0% 1.8% 1.4% 1.2% 3.8% 3.4% 2.7% 2.4% 2.2% 1.7% 1.5% 6.8% 6.1% 4.9% 4.4% 4.0% 3.1% 2.8% Expense Constant - an expense constant shall be charged for each policy, regardless of premium size, except for those policies that insure Per Capita classification operations only. Refer to Rule XIV-F for special instructions concerning policies insuring only Per Capita classifications. Expense constants are carrier specific. Maximum Weekly Remuneration Executive Officers Non - Construction Employments - applicable in accordance with Manual Rule IX-A-6-a2 ..............................................$1,900.00 Construction Employments - refer to Manual Rule IX-A-6-a7 ............................................................................................$1,204.81 Non - Executive Officers - applicable in accordance with Manual Rule V-F for classifications with footnotes limiting the maximum remuneration .............................................................................................................................................................$5,050.00 Construction Employments – refer to Manual Rule V-G ....................................................................................................$1,204.81 Sole Proprietors and Partners Non - Construction Employments - applicable in accordance with Manual Rule IX-B-4a..................................................$1,900.00 Construction Employments - refer to Manual Rule IX-B-4b ...............................................................................................$1,204.81 Minimum Weekly Remuneration Executive Officers - applicable in accordance with Manual Rule IX-A-6-a1 .............................................................................. $ 625.00 Executive Officers of not-for-profit unincorporated associations - applicable with Manual Rule IX-A-6-b ............................................................................................................................................................................. $ 325.00 Sole Proprietors and Partners - applicable in accordance with Manual Rule IX-B-4a and 4b................................................... $ 625.00 Page 6 Effective October 1, 2013 NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing MISCELLANEOUS VALUES (continued) New York State Assessment Charges General Instructions and Information Refer to Rule IX-L., Sections 1. and 2. Assessment Applicable Standard Premium Charge Volunteer Volunteer All Other Ambulance Firefighters Classes Workers’ Compensation Board Reopened Case Fund Special Disability Fund Interdepartmental Expenses Special Funds Conservation Committee 2.4% 4.9% 0.0% 0.0% 0.0% 3.4% 4.9% 0.0% 0.0% 0.0% 3.1% 4.9% 9.6% 0.9% 0.3% Total 7.3% 8.3% 18.8% Premium Base Refer to Rule IX-L., Section 3. Standard premium is the only premium base to be used in calculating the New York State Assessment policyholder charge. For policyholder assessment purposes, standard premium is defined as the premium determined on the basis of the insurer’s approved rates, as modified by any experience modification or merit rating factor, any applicable territory differential premium, the minimum premium, any Construction Classification Premium Adjustment Program credits, any credit from return to work and/or drug and alcohol prevention programs, including credits under the Workplace Safety Loss Prevention Incentive Program (WSLPIP), any surcharge or credit from a workplace safety program, including credits under the Workplace Safety Loss Prevention Incentive Program (WSLPIP), any credit from independently-filed insurer specialty programs (for example, alternative dispute resolution, drug-free workplace, managed care or preferred provider organization programs), any charge for the waiver of subrogation, any charge for foreign voluntary coverage and the additional charge for terrorism, and the charge for natural disasters and catastrophic industrial accidents. For purposes of determining standard premium, the insurer’s expense constant, including the expense constant in the minimum premium, the insurer’s premium discount and premium credits for participation in any deductible program shall be excluded from the premium base. Passenger Seat Surcharge - Applicable in conjunction with Code 7421 “Aircraft or Helicopter Operation: Transportation of Personnel in Conduct of Employer’s Business - Flying Crew” in accordance with the classification footnote instructions ................................................................... $100 per passenger seat $1,000 maximum per aircraft Terrorism and Catastrophe Loss Cost Charges Terrorism Applicable only in conjunction with Rule IX-N.1 of the Manual Terrorism loss cost (NOT RATE) charge per $100 of total policy payroll ..................................................................... $.038 For non-payroll based classes, charge is % of non-payroll class manual premium ...................................................... 2.9% Natural Disasters and Catastrophic Industrial Accidents Applicable only in conjunction with Rule IX-N.2 of the Manual Catastrophe loss cost (NOT RATE) charge per $100 of total policy payroll ................................................................. $.008 For non-payroll based classes, charge is % of non-payroll class manual premium ...................................................... 0.7% Workers Compensation Security Fund Surcharge Applicable only in accordance with Rule IX - M of the Manual Charge is % of total policy premium, including the New York State Assessment (effective January 1, 2011)…… ………. 0.0% United States Longshore and Harbor Workers’ Compensation Coverage Percentage Applicable only in connection with Rule XII-D of the Manual ............................................................................................... 29.4% (Multiply a Non-F classification rate by a factor of 1.294 to adjust for differences in state and federal benefits and assessments) NEW YORK WORKERS COMPENSATION AND EMPLOYERS LIABILITY MANUAL Original Printing Page 7 Effective October 1, 2013 MISCELLANEOUS VALUES (continued) LOSS COSTS (NOT RATES) FOR VOLUNTEER FIREFIGHTERS - Code 7711 Population Up to 300 301 to 500 501 to 700 701 to 1,000 1,001 to 1,500 1,501 to 2,000 2,001 to 2,500 2,501 to 3,000 3,001 to 3,500 Annual Loss Costs $4,731 5,449 7,197 9,042 11,976 13,362 16,630 18,051 21,673 Population 3,501 to 4,000 4,001 to 4,500 4,501 to 5,000 5,001 to 5,500 5,501 to 6,000 6,001 to 6,500 6,501 to 7,000 7,001 to 7,500 7,501 to 8,000 Annual Loss Costs $24,965 28,562 30,731 32,893 35,811 38,726 42,274 45,171 48,063 Population Annual Loss Costs 8,001 to 8,500 8,501 to 9,000 9,001 to 9,500 9,501 to 10,000 10,001 to 15,000 15,001 to 20,000 20,001 to 25,000 25,001 to 35,000 35,001 to 50,000 $50,934 54,146 57,465 60,650 71,923 83,091 93,875 110,544 138,441 For populations over 50,000, the annual loss cost shall be $138,441 plus $21,721 for each 10,000 people or major part thereof. For All Population Groups: Minimum loss cost (NOT premium)........................................................................................................................................ $4,731 A. The premium charge for the “home area” shall be the sum of: 1. The premium charge corresponding to the population of the “home area,” and 2. A loss cost (NOT premium) charge of $115 per fire protection contract where the “home area” has obligated itself to provide protection to another “home area” pursuant to a fire protection contract, and 3. The separate premium charges for each “outside area” corresponding to the population of each such “outside area” that is serviced by the “home area” under a fire protection contract. However, when a “outside area” has more than one contract for fire protection, the additional premium charge for each “home area” providing fire protection to such “outside area” shall be a proportionate share of the total premium corresponding to the population of the “outside area,” provided that the books and records of the “home area” are maintained so as to show separately its contract price as well as the total cost of all contracts being paid by the “outside area.” The proportionate share shall be determined on the basis of the ratio that the contract price paid to the “home area” bears to the total contract price for all fire protection for such “outside area.” B. The premium charge where a fire company or fire department operates in, or is maintained jointly by, two or more villages, towns, or fire districts, shall be the sum of the separate premium charges for each village, town, or fire district, corresponding to the population of each such village, town, or fire districts. C. Section 30 of the Volunteer Firefighters’ Benefit Law makes a county, city, town, village, or fire district responsible for such benefits to volunteer firefighters of fire departments or companies in their area. Employers Liability coverage is not automatically afforded under these circumstances to the fire departments or companies whose firefighters are covered by the municipality’s policy. However, the municipality may elect to extend Employers Liability coverage for an additional 10% of that premium which is developed for the volunteer firefighters of these fire departments or companies. Use endorsement WC 31 06 07. This additional premium shall be assigned to Code 9850 “Premium for the Extension of Employers Liability Coverage to Additional Interests under a VBFL policy.” D. The premium charge for a group policy subject to the provisions of Section 32.2 of the Volunteer Firefighters’ Benefit Law is determined on the basis of the aggregate population of all entities insured under the group policy. Refer to Rule II.F.2 of the Manual. The terms “home area” and “outside area” used in Rule A above are defined as follows: “Home Area” a. Any city, village, or fire districts, having its own fire department, or protected pursuant to a fire protection contract with an incorporated fire company, located within the city, village, or district. b. Any town fire protection district or town fire alarm district protected pursuant to a fire protection contract with an incorporated fire company located within the town fire protection district or town fire alarm district. The territory of a town located outside of a city, village, fire district, town fire protection of town fire alarm district, included within the area of operating set forth in the certificate of incorporation of an incorporated fire company located in such territory. c. “Outside Area” Any city, village or fire district, town fire protection district or town fire alarm district which either does not have its own fire department or an incorporated fire company located within its boundaries, and is protected pursuant to a fire protection contract. Firefighters - Volunteer, Including drivers - Elective Coverage for Assistance from individual Volunteer Firefighters............................................................................................................................................................. Loss Cost (NOT Premium) Charge - $45 per policy 7716
© Copyright 2024