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during the term of this policy at the same rate and for the same limits as stated in this policy, and on the termination or cancellation of such concurrent insurance from whatever cause, this policy shall be null and void, and the portion of the premium unearned, in accordance with the policy conditions, shall be returned to the assured upon demand.
Nothing contained herein shall be construed to limit the right of this company to cancel this policy at any time.
EXCESS INSURANCE.—When a risk is carried by another company for limits of $5000 and $10,000 and insurance in excess of such limits is desired from this company, such excess insurance will be written as follows:
The rate for excess insurance shall be such that the premium on the original part of the risk, and that on the excess part, taken together shall be equal to the premium which would be charged if the whole amount, onginal and excess, had been written by this company, as indicated below under the head " Rates and Limits.
RATES AND LIMITS. –The premium rates given in this Manual are for a limit of $5000 for injuries to one person, and a limit of $10,000 for injuries to more than one person-the result of one accident. Employers' Liability Policies may also be written for other limits, at the rates given in the followingtable: Rate Per Ct. Rate Per Ct.
Rate Per Ct. First
Second of Rate for First Second of Rate for First Second of Rate for Limit. Limit. $5,000 and Limit. Limit. $5,000 and Limit.
$5,000 and $10,000 $10,000.
$10,000. $1,500 $10,000
$2,500 $40,000 1.60 $7.500 $30,000 1.70 1,500 15,000 .85 5,000 10,000
7.500 35,000 1.80 1,500 20,000
7.500 40,000 1.90 1.500 25,000 1.15
7.500 45,000 1.95 1.500 30,000 1.25 5,000 25,000
7.500 50,000 1,500 35.000 1.35
1.55 10,000 20,000 1.60 1,500 40,000
1.75 2,500 10,000 .85
30,000 1.85 2,500 15,000
5,000 45,000 1.80
10,000 35,000 1.95 2.500 20,000 1.15
5,000 50,000 1.85
40,000 2.05 2,500 25,000
10,000 45,000 2,500 30,000 1.40
7.500 20,000 1.45 10,000 50,000 2.15 2,500 35,000
1.60 Elevator, General Liability, Public Liability, Teams and Theatre Policies may also be written for other limits, at the rates given in the following table:
(See also * Concurrent Insurance."') Limits of less than $5000 and $10,000 must not be given on Elevator or General Liability Policies, or on Teams, Theatre, or Publc Liability Policies.
Limits other than those stated in the tables herein mentioned shall not be given in any case.
The terms of insurance under any policy or renewal shall not exceed one year, save only as provided under the heads of " Elevator Insurance" and "General Liability Insurance.'
ESTIMATED Wages.-Applications for Employers' Liability Policies, whether the same are original applications or applications for renewals, must state the estimated expenditure for the policy, year as the basis of the premium for the current year, and must also state the actual expenditure for the prior calendar year ending December 31st. No policy except only contractors will be written for any estimate lower than the pay-roll of the prior calendar year.
Agents must procure a statement of wages actually paid to employees under each policy up to the time ofits expiration, signed by the assured. Whenever this statement is not obtained within sixty days after the date of expiration of the policy, the home office will obtain the statement directly from the assured.
Whenever employees are compensated in whole or in part by store certificates, board, merchandise, or credits, or any other substitute for cash, the amount of compensation represented by such substitutes shall be included in the pay.roll, and the applications shall in all cases state when such substitutes are used.
Division OF PAY-ROLL:-(a) It is not permissible to divide the pay-roll on any risk to be written on the manufacturers' form of policy.
() When two or more hazards are carried on by an employer at one location, and the manufacturers' form of policy is used, the rate for the highest classification must be secured.
(c) The pay-roll on all risks written under the manufacturers' form of policy, or under the contractors' form of policy, must include the wages of all employees, including piece workers, subject to the following exceptions, when she exceptions are stated in the application, viz., Executive Officers, Office Men, Drivers.
10! When insurance under a manufacturers' classification, and also a contractors' classification is desired, separate policies must be written. When after any classification an * is used one policy may be written, but in all such cases 20 per cent additional premium must be charged on the employers' liability and public liability rates.
le) When the mining of coal for coking purposes and coke burning are to be covered, the pay-roll may be divided and one policy written. In such case the pay-roll inust be estimated for each classification, and set forth in the application.
In all classifications of the "Mining Schedule," the men on the surface, not engaged in smelting plants, or quartz mills, must be included in the pay-roll.
When two or more classifications of the Lumber Schedule," which have different rates, are to be covered, the pay-roll may be divided and one policy written. In such case the pay-roll must be estimated for each classification, and set forth in the application.
68) When a contractor desires insurance to cover different hazards, the pay-roll may be divided. In such case one policy may be written, but the pay-roll on each classification must be estimated, and set torch in the application.
(4) A separate policy may be written for each work or each contract which is carried on by a contractor in different towns, or at different places in the same town.
() A policy may not be written under either the manufacturer's or contractor's form of policy which sball cover work in more than one State, except that where construction
work is to be done in more than one State in classifications, where an * is shown (“Metal Schedule," and a premium of 30 per cent addi
tional is paid, a policy may be written covering such work, provided the application reads: "Limited as to shop work to the State of....
(k) It is not permissible to select a portion of any risk leaving some portion thereof uninsured.
DRIVERS UNDER EMPLOYERS' LIABILITY POLICIES.-The wages paid to drivers of teams shall not be included in the estimate of wages when a Public Liability or a General Liability Policy is desired, the intention being that the public liability of the assured in connection with the use of teams shall be covered only by Teams Policies. The wages paid drivers must be included in the estimate of wages for an Employer's Liability Policy, if drivers' protection is desired. If a concurrent Teams Policy is carried with an Employers' Liability Policy, the wages of drivers need not be included in the estimate of wages under the Employers' Liability Policy, as the Employers' Liability Policy form provides for protection in this case. (See clause B of Employers' Liability Policy form.)
STAMPING-DEFINITION AND RATE.-Whenever metals are cut, shaped, pressed, or stamped by steam or other mechanical power, and the feeding of material is done by hand (not automatically), the pay-roll of operatives so employed shall be kept separate from the general pay-roll. The premium on the pay-roll of such operatives shall be at the rate of 7% per cent for Employers' Liability and 3 per cent for Workmen's Collective Policies. This company will not take part of the hazard without the whole.
This rule applies to the classifications in this Manual followed by the words, "plus stamping rate of 7% per cent E. L., and 3 per cent Col.," and all applications must state ihe amount of the general pay-roll, and also the amount of the stamping pay-roll
. Vessel INSURANCE.- This hazard may be written only under Employers' Liability or Employers Liability and Public Liability Policies combined, at the rates given under i Vessel Schedule."
Employers' Liability, "Vessel Schedule," each vessel or barge, $25: Employers' Liability and Public Liability, Vessel Schedule," written concurrently, each vessel or barge, $25.
The Vessel Policy form of this Company will be used exclusively for the following classifications, viz:
Ferry Companies, Fishing Vessels, Ocean and Coastwise Steamers, Ocean and Coastwise Sailing
45 Towing (Tugboat) on Great Lakes . Towing (Tugboat) Ocean or Coastwise...
Water Boats (supplying water for shipping)..... If it is desired to cover the collision hazard, the following indorsement for the Employers' Liability Policy shall be used :
Clause B is amended so as to read :
This policy does not cover loss from liability for injuries as aforesaid to or caused by any person unless his wages are included in the estimated wages hereinafter set forth, and he is engaged at the time of the accident in an occupation hereinafter described.
The collision indorsement for the Employers' Liability and Public Liability Policy shall read:
This policy does not cover loss from liability for injuries as aforesaid caused by any person unless his wages are included in the estimated wages hereinafter set forth, and he is engaged at the time of the accident in an occupation hereinafter described, por for injuries sustained by any passenger or passengers of the assured on or about any vessel mentioned in the schedule, from any cause whatsoever.
The rule which prohibits the giving of less limits than $5000 and $10,000 for public liability does not apply to vessel insurance, which may be written for public liability for lower limits than $5000 and $10,000 at the proportionate rates given on pages under the head “ Rates and Limits," when written on the combined Employers' Liability and Public Liability Policy form.
Public LIABILITY INSURANCE.-The rates given in the "Table of Liability Rates," are for limits of $5000 and $10,000.
Public Liability Policies may also be written for the limits and at the rates named under the head " Rates and Limits," provided that no such policy shall be written for limits of less than $5000 and $10,000. The same rule applies to Elevator, General Liability, Teams and Theatre Policies.
BUILDING CONTRACTORS' CONTINGENT, OR Owners' CONTINGENT, LIABILITY INSURANCE.If an owner or a general contractor desires a policy which shall cover his contingent liability for negligence of contractors or sub-contractors and their employees, a policy may be issued for a premium charge of 50 cents for each $100 of the gross amount of pay-roll of all contractors. Such pay-roll shall be based upon the wages to be expended by all contractors and sub-contractors, and shall not be accepted at any figure less than 33% per cent of the contract price of the building, except only
that if the policy is to be issued to a general contractor who does some part of the work, the 50 cents per $100 will be charged on the pay-roll of his sub-contractors, that is to say: 33% per cent of the contract price being taken as the whole pay-roll, the general contractor may deduct
, from the sum so arrived at, the amount of his own pay-roll, and the contingent premium will be charged on the balance.
The limits for such policy shall be $5000 for injuries to one person, and $10,000 for injuries to more than one person—the result of one accident. No other or different limits shall be given in any case.
No Contingent Liability Policy may be written unless the general contractor and all sub-contractors shall carry Employers" Liability and Public Liability Policies.
The minimum premium for a Building Contractors' Contingent, or Owners' Contingent, Liability Policy shall be $25, irrespective of any other premium.
ÉLEVATOR INSURANCE.-An "Elevator," in the sense of this Manual, is any platformhoist operated by steam
or other mechanical power and used for the conveyance of passengers or freight, or both.
A "Sidewalk Elevator" is one outside of the building proper which does not rise above the level of the sidewalk.
A "One-story Elevator" (not sidewalk elevator) is such as is within the walls of a building, with a run of not more than 20 feet.
A " Private House Elevator " is such as is used in dwellings occupied by one family only.
23.33 33.33 One-story Elevators,
18.co 25.00 Private House Elevators,
20.00 28.00 Factory Elevators,
12.50 18.00 Hand Hoists,
12.50 18.00 Moving Inclined Way, inside or outside of buildings, each.
100.00 150.00 Sidewalk Chutes, each....
23.33 33.33 The rates under B apply only to the following States:
Alabama, Arkansas, Arizona, Colorado, Florida, Georgia, Idaho, Illinois, Iowa, Indian Territory, Kansas, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, North Carolina, Oklahoma Territory, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wyoming.
The full rate for the limits stated must be charged for each elevator written. One policy may be written to cover several elevators, but no reduction in the rate per elevator shall be made in such case.
The factory elevator rate shall be used only when the employers' liability, public liability and elevator risks are written concurrently, all policies to expire simultaneously, and when the factory is owned or occupied by one interest (individual, estate, firm, or corporation) for manufacturing purposes exclusively.
Insurance of property damage must not be written on elevators.
When a passenger or freight elevator is insured by this company at the full rate as given above, other policies on the same elevator may be issued to other persons in interest for a premium of $20 for limits of $sooo and $10,000 and not more, for each such interest; but this company will not write a policy at such reduced rate unless it has issued the first policy, and any such additional policy or policies written under this rule must be made to expire at the same time as the first policy, the premium being calculated pro rata for each such additional policy. In case the first policy is discontinued or canceled, the other policy or policies must be discontinued or canceled as of the same date.
An Elevator Policy must not be written to cover more than one interest--such interest may be that of an individual, estate, firm, or corporation; but co-owners may be covered under one policy.
The rates for elevator risks, as given on the preceding page, are exclusive of fees paid for public inspection, and this company will noi assume the cost of such public inspection under any Elevator or General Liability Policy.
When there are several elevators in a building, and insurance is desired upon certain of the elevators only, a policy may be issued designating in a specific way those actually covered. If at any time insurance is desired on the others temporarily, a policy may be issued designating such additional elevators, the premium to be calculated at short rates-see i Short Term Rate Table."
Elevator Policies may be written for a term of three years for three annual rates less to per cent discount, the full premium for three years being payable in advance or in instalments as follows: 50 per cent for the first year, 30 per cent for the second year, and 20 per cent for the third year.
GENERAL LIABILITY INSURANCE.-"General Liability Insurance," in the sense of this Manual, is such insurance as is given to a landlord or owner of real property or to any person who stands in place of a landlord by reason of bis occupancy of real property, to cover against his liability for bodily injuries suffered by any person on or about such property. A General Liability Policy will be issued to cover the hazards more or less described in the rate table given on the following page, and not otherwise. The premium is computed as follows:
(a) The Elevator hazard.
(c) The Public Liability hazard (based on street frontage and area of floors.) If a General Liability Policy, excluding the elevator bazard, is desired, such policy may be written, but an indorsement shall be attached to the policy excluding injuries to either employees or the public in or about any elevator.
In office buildings, apartment houses and tenements, the wages of all employees engaged in taking care of the building and its appliances, must be included in the pay-roll upon which the premium in based.
In public libraries, public museums of art or patural history, public picture galleries, hotels and club houses, the wages of all employees must be included.
In no case shall insurance be issued at a premium less than Ten Dollars ($10) per bullding, save only for private houses (dwellings), in which case the minimum premium shall be Four Dollars ($4) per dwelling
Buildings occupied as stores in part and as dwellings above must pay the rate for stores on the store portion of the risk and the rate for apartment houses or tenements for the dwellings above.
The area upon which a charge per 100 square feet is made is the outside measurement of the building multiplied by the number of stories. If the floor of any so-called basement is not more than 5 feet below the street level, such basement shall be counted as a story in calculating area. The basement of a retail store, when used for sales purposes, shall be counted as a story. No deduction shall be made for light, air, or elevator shafts, nor for courts if entirely enclosed within the walls of the buildings.
For street exposure, charge the rate per running foot of all street frontages, but do not charge for the Tear or side portion of any building abutting upon an alley not more than 15 feet wide from building line to building line.
When, in office, hotel, and like buildings, the lower floor is rented for stores, and is not under control of the assured, the street frontage shall be charged; but the area of the stores shall be deducted from the total area of the building. When an occupant is above the first floor he shall also pay the frontage charge,
Hospitals, sanitariums and asylums shall be rated the same as hotels, with the understanding that street frontage, in cases where the buildings abut upon the street, shall be charged at the rate of 10 cents per running loot, and in cases where the buildings do not abut upon the street ihe length of the frontage of each building (cottages excepted) where a main entrance exists shall be taken as the measurement of the street frontage. Cottages in the same grounds as hospitals, sanitariums and asylums shall be rated the same as private dwellings, for each cottage.
Schools and colleges shall be rated the same as office buildings, except that the wages of teachers and professors shall be included in the pay-roll upon which the employers' liability premium is based. The street-frontage charge shall be the same as that charged in the case of hospitals, sanitariums and asylums. The pay-roll of professors and teachers is charged at the rate of 6 cents per $100 of pay-roll.
GENERAL LIABILITY RATES.
PUBLIC ERS' LIA.
50. Cemetery Companies...
50. Churches, each, Town, $50.
5C Department Stores—in cities having a population of 100,000 and over by the census of 1900.
400. In Cities having a pop. under 100,000 by the census of 1900,
50 Mercantile or Manufacturing premises variously occupied by
persons other than the owner, not otherwise classified (owners' risk only)....
50. Office Buildings...
5c. Private Houses (Dwellings), occupied by not more than two
families, each $4. Public Libraries...
5c. Public Musuems of Art or Natural History.
50. Public Picture Galleries
50. Restaurants... Retail Stores (not otherwise rated).
150. Sidewalks rented for storage purposes to hucksters.
5c Vacant Land, properly protected..
50. Wharf and Water Front Property
Elevator Rate. Wholesale Stores (not otherwise rated)
5C. Wholesale and Retail Stores (not otherwise rated)
150. Wine and Spirit Merchants-wholesale (with bar) Wine and Spirit Merchants-retail .....
$1.00 The method of calculating the general liability premium upon office buildings is as follows: EXAMPLE.-Three elevators@ $35=.......
5 Total premium.......
$150 The rates given on pages of " Table of Liability Rates" for employers' liability and workmen's collective hazards, respectively; must govern as to every classification in said table. The public liability rate when marked "(b)"in said table must in every case so marked be determined on the basis of area and street frontage, as given in the rule under the head "General Liability
Insurance," and at the rate for public liability, as given, respectively, for ". Retail Stores (not otherwise classified)" and for " Wholesale Stores (not otherwise classified)" or such other general liability classification as may properly apply to the risk.
A General Liability Policy must not be written to cover more than one interest-such interest may be that of an individual, estate, firm, or corporation; but co-owners may be covered under one policy.
General Liability Policies may be written for a term of three years for three annual rates, less to per cent discount, the full premium for three years being payable in advance or in instalments as follows: 50 per cent for the first year, 30 per cent for the second year, and 20 per cent for the third year.
LANDLORD'S CONTINGENT LIABILITY.- In the case of the owner of a building or buildings leased to others, where the elevators, steam power, and the entire charge of the premises rest solely with the tenant, a General Liability Policy may be written, covering the landlord's contingent liability, at 50 per cent of the rate chargeable for such building, but a statement shall be made in the application that the assured has no employees on or about the premises. In such case no elevator inspection will be made.
'This rule does not affect the rate for private houses (dwellings).
TEAMS INSURANCE.—Teams Insurance covers the owner's liability to his driver and to the public for damages on account of bodily injuries caused by means of horses or vehicles in the service of the assured and the use thereof and while in charge of the assured or his employees.
The hazard of loading and unloading goods is not covered by the Teams Policy, but may be covered by endorsement on payment of an additional premium as given under the head "Teams Rates," (except as to Boiler Makers and Dealers, Machinery Dealers, Safe Movers and Manufacturers, and Structural Iron and Steel Wagons) for which separate Employers' Liability and Public Liability Policies must be issued, based on the full drivers' pay-roll, at the rate of employers' liability and public liability insurance given in the "Contractors' Schedule," (for Machinery Dealers, sec Milwright, etc., in the "Contractors' Schedule"):
The indorsement shall read:
"In consideration of an additional premium, equal to .... per cent of the annual premium payable for said policy, and subje t to all the conditions and provisions therein contained, the insurance under this policy is hereby
extended to cover the iability of the assured for accidents due to his negligence in the loading and unloading of goods carried on vehicles insured under said policy."
To cover the liability of the assured while horses are being taken to or from blacksmiths' shops by persons other than the assured's employees, the company will attach the following endorsement to Team's Policies when requested :
* This policy is hereby extended to cover the liability of the assured while his horses are at blacksmiths' shops os are being taken to or from such shops by persons other than his own employees."
The premium is based on the number of drivers employed at the ume the policy is issued. The actual expenditure for wages of drivers for the policy year divided by the average wages per driver as stated at the time of making the application will be used to determine the actual number of drivers at the end of the policy year.
The teams rates given below are for limits of $5000 and $10,000.
Teams Policies may also be written for the limits and at the rates given under the head " Rates and Limits," except that no such policy shall be written for limits of less than $5000 and $10,000.
TEAM RATES.-For the loading and unloading indorsement, add to per cent to rates given, except as to classifications marked *, where add 30 per cent.
All risks classified in following schedules may be written at a discount of fifty per cent (50%) from the full rates as given in said schedules, in all places except in the city of Boston (including the following towns: Allston, Ashmont, Boston propor, Brighton, Brookline, Cambridge, Charlestown, Chelsea, Dorchester, East Boston, Everett, Forest Hills, Jamaica Plain, Neponset, Roslindale, Roxbury, Somerville, South Boston and West Roxbury), and exceot in Greater New York, Jersey City, Hoboken. Chicago. In Philadelphia a discount of 40 per cent may be allowed from the full rates. Automobiles of all classes Private Vehicles and Physicians' Vehicles must carry the full rate everywhere.
GROUP VI.-$40.00. Box and Bartel Makers or Dealers.
Where baggage is transported by the assured, add 30 "Carpenters.
per cent for loading and unloading indorsement. *Coal Deal-rs.
*Baggage Transfer. *Grain, Hay and Feed Dealers.
Cabs, one or two horses (passenger's risk included). Kindling Wood Makers and Dealers.
Hacks, one or two horses (passenger's risk included). Laundries.
Hansoms, one or two horses (passenger's risk inMilk Dealers.
cluded). Salesmen's and Collector's Teams (one or two Herdics, one or two horses (passenger's risk inhorses).
cluded). Soap Makers.
Hotel Omnibuses, one or two horses (passenger's Street Cleaners' Carts.
risk included). Street Sweepers (ordinary revolving brushes). Livery Vehicles, when in charge of drivers of Sugar Refiners.
assured, one or two horses (passenger's risk in*Telegraph and Telephone Companies.
cluded). GROUP II.-$20.00.
Undertaker's Carriages (passenger's risk included) Bakers.
and Hearses, when in charge of drivers of the Butchers (wholesale or retail).
assured, one or two horses. Confectioners.
GROUP VII.-$45.00. Grocers (wholesale or retail).
*Ice Dealers. Ice Cream Dealers and Ice Cream Manufacturers.
GROUP VIII.-$100.00 *Lumber Manufacturers or Dealers (all kinds). Provision Dealers, or Meat Packers.
Omnibus Lines (passenger's risk included). Street Sprinklers.
Fire Patrol and Salvage Corps. *Timber.
Newspaper Delivery. Wagons, drawn by one or two horses used for
GROUP IX. business purposes only, and not otherwise classe
Bicycle Delivery Vehicles.....
Physicians' Vehicles, $10 for one horse, $5
for each additional horse. Boiler Makers and Dealers.
Privare Vehicles, when in charge of the *Contractors (street work or building).
assured or his employees only, per driver. *Furniture Wagoas, Vans or Trucks.
Private Vehicles, when in charge of the
assured, members of his family, or his emMachinery Dealers.
ployees, $10 for one horse, $5 for each ad*Masons. Materials.
ditional horse, the premium to be based on *Piano Movers.
the actual number of horses owned by the Railway Iron Makers and Dealers.
assured and not on the number of drivers. Safe Movers and Manufacturers.
In such cases, the following special inStreet Railway Companies.
dorsement shall be used : Structural Iron and Steel Makers and Dealers.
" In consideration of the premium received for "Truckmen.
this policy, based on the actual number of horses GROUP IV.-$30.00.
owned by the assured, this policy is hereby exAmbulances.
tended to cover loss from liability of the assured Express (no baggage delivery).
by reason of accidents occuring while the said Mail Wagons.
horses and vehicles are in charge of a member of Street Sweepers (steam power).
the family of the assured.
The rate for all automobiles given under the
head " Teams Rates," on preceding pages, Brewers.
excepting th: following classifications
$75.00 Dry Goods and Department Stores.
Cabs (passenger's risk included).... 400.00 Liquor Dealers.