Watercraft Program

Transcription

Watercraft Program

Dryden Mutual Insurance Company
Watercraft Program
Rating Manual
Edition: 2005
AMERICAN ASSOCIATION OF INSURANCE SERVICES
DRYDEN MUTUAL INSURANCE COMPANY
BOATOWNERS MANUAL
TABLE OF CONTENTS
UNDERWRITING
Risk Selection Information
High Performance Boat List
RULES
Eligibility
Program Description
Policy Writing Instructions
Premium Determination
Deductible
Premium Modifications
Coverage Options
Navigational Territories
RATING INFORMATION
Basic Property Rating Information
Basic Liability Rating Information
Additional Rating Information
BOATOWNERS MANUAL
RULES INDEX
Page
Additional Interests ...... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 10
Age of Boat ...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 14
Assignment ...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 10
Cancellation ..... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 10
Coverage Options......... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 15
Coverage Territory........ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 9
Coverage X...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 8
Coverage Y...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 8
Coverage Z ...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 8
Deductible........ ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 13
Diesel Power.... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 14
Eligibility........... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 6
Emergency Service - Expanded Coverage.......... ............ .......................... ............ ............ ............ ............ ............ 15
Inception Time . ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............
Ineligible property ......... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............
9
6
Lay-Up Period.. ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............
Optional ...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 14
Required ..... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 10
Liability Coverages ....... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 8
Liability Limits, Basic..... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 8
Loss Payees .... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 10
Loss Settlement ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 7
Maximum Charges........ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 12
Minimum Charges......... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 12
Miscellaneous Property - Increased Limit............ ............ .......................... ............ ............ ............ ............ ............ 15
Navigation Period ......... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............
Navigational Equipment ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............
Navigational Territories. ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............
Navigational Training .... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............
14
14
16
14
Perils Covered . ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 7
Policy Format... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 9
Policy Term...... ............ ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 9
Policy Writing Instructions.......... ............ ............ ............ .......................... ............ ............ ............ ............ ............ 9
Premium Determinations ........... ............ ............ ............ .......................... ............ ............ ............ ............ ............ 11
Premium Modifications . ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 14
Program Description ..... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 7
Property Coverages...... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 7
Reduction In Limits ....... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 10
Safety Equipment ......... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 14
Theft Equipment ........... ............ ............ ............ ............ .......................... ............ ............ ............ ............ ............ 14
Uninsured Boaters Coverage .... ............ ............ ............ .......................... ............ ............ ............ ............ ............
8
Dryden Mutual Insurance Company
Watercraft Program Underwriting Guidelines
The guidelines provided below are the minimum standards we ask our agents to follow in order to bind
Dryden Mutual on any watercraft policy. Any risk that fails to meet any of the criteria below must not be
bound and should be referred to company underwriting for approval. As always, Dryden Mutual
underwriters will maintain a common sense approach in reviewing all new watercraft applications. We ask
only that our agents work with us to write quality watercraft business.
Applicant and Operator Information
Category
1.
Criteria
Age
Minimum age of principal operators is 21 years old.
2.
Applicant
Individual and / or spouse who are both residents of same household.
Joint ownership involving unrelated individuals should be referred to
company for prior approval.
No corporate ownership.
3.
Boating Loss
History
Risks with more than one (1) boating loss in last 3 years must be reviewed
with underwriting for approval.
4.
Motor Vehicle
Records
Owners and/or operators with any major violations including DWI, DWAI,
Boating While Intoxicated, Reckless Driving or Excessive Speeding must
be referred to Underwriting. Risks with any more than one (1) conviction or
at - fault accident per operator or two (2) per household should not be
bound. These may be referred to the company for consideration.
5.
Watercraft
Courses
Copies of United States Coast Guard Auxiliary or Power Squadron
Certificates are required in order to receive premium credits.
6.
Applications
ACORD Watercraft Applications, fully completed including list of all
operators or residents of household including drivers license numbers and
Social Security numbers.
7.
MVR=s
Agents providing current MVR=s may submit with application and a
reimbursement will be given at $5.00 for each
Rev 1.0 (5/97)
Page 1
DMIC
Watercraft Guidelines and Specifications
Category
Criteria
Outboard Motor Boats
Inboard and Inboard / Outdrives
Sailboats
Pontoon Boats
Rowboats and Canoes
1.
Type of
Power
2.
Age of
Watercraft
3.
Length
Watercraft 39 feet or less are eligible.
4.
Speed
Boats with advertised speeds exceeding 50 MPH are ineligible.
5.
Horsepower
The horsepower should never exceed the manufacturers recommended
specifications. As a rule of thumb, HP should not exceed ten ( 10 ) times
the length of boat.
Example: Boat length 20 feet X 10 = 200 maximum HP
6.
Value
Minimum $1000
Maximum $ 150,000
NADA appraisal guides will be used to substanciate values and will be
used as a guide in loss settlements.
7.
Photographs
35mm photographs taken within last 12 months.
Reimbursements of $5 for each photo with application.
Aluminum or Fiberglass hulls not over 25 years old.
Wooden hulls not over 15 years old.
Any watercraft exceeding these age guidelines may be referred to the
company for underwriting consideration.
Ineligible Watercraft
The following types of watercraft are ineligible for Dryden Mutual=s Watercraft Program:
Hydroplanes or racing type hulls
Boats with converted automobile engines
Air propelled or jet propelled boats
Kits or homemade boats
Inflatable boats
Personal watercraft, Jet Ski=s,
Waverunners and Sea Doo=s, etc.
Boats with advertised speeds designed to exceed 50 MPH, this includes all High Performance type
boats including but not limited to Dryden=s Performance Boat List.
Rev 1.0 (5/97)
Page 2
DMIC
Dryden Mutual Performance Boat List
Manufacturer
ADVANTAGE
AERO FINO
ALLISON
AM INDUSTRIES
ANSWER MACHINE
APACHE
AQUA CRAFT
AQUASPORT
AVANTI
AVENGER
BAJA
BANANA BOATS
BARRACUDA
BAYLINER
BESOTOS
BIESEMEYER
BLACK THUNDER
BLACK WATCH
BONNER
BRAGINTON
BRENDELLA
BROADWATER
CANTIERI
CARIBBEAN
CARRERA
CEEBEE
CENTURY
CHALLENGER
CHAPARRAL
CHECKMATE
CHEETAH
CHRIS CRAFT
CIGARETTE
COBALT
COLE
CONCORDE
CONTENDER
CORRECT CRAFT
COUGAR
CRESTLINER
CROWNLINE
DAYTONA
DONZI
DORAL
EAGLE SKI
EBB TIDE
ELIMINATOR
ENVISION
EVERETTE
EXCALIBUR
EXPRESS MARINE
FLARECRAFT
FORESTER
FORMULA
FOUNTAIN
FOUR WINNS
FREEDOM
GALAXIE
GAYLORD
GLASTRON
GLENN L
GUISTI
G.W. INVADER
Rev 1.0 (5/97)
Models
XR-2002
17'
250 EXPLORER WA
COBRA, EAGLE, MUTINY, S FORCE
16' & 17'
16' & 17'
TON
18' AND UNDER
ERA
AVENGER
270 ARROW, CTS
1930 SS & 2130SS MODELS, VILLIAN II & VILLIAN III ,2850SX
180 V SUNDECK
CHRIS-CAT 300,305, COMPETITION 390, SCORPRION,
SCORPION 311,313, STINGER 22,312,312SL, 314S,390,390X
STINGER, ALL SCORPION, STINGER & CONCEPT
TOP GUN, BULLET, REVOLUTION
243 & 252 MODEL (330HP), 24X (420HP), 220,222,223 & 272 (300GSD)
21 OPEN (2250B), 25 OPEN (T200OB) 31 OPEN (T250)
CRUSADER RAMPAGE, 2655
225 BR
2+3, 2F 33, MINX CRITERIAON SS, Z21, Z25,Z29,Z33
PHAZOR MODELS
BASS BANDIT, COMPIONE
SCORPION
THUNDERBIRD, BR/LS/SS
201 & 221 LIBERATOR, CANDIA 214 (255GSD), HORIZON 220&240, VISTA 238 & 278
FREEDOM
SS4
17'
CSS & SSV SERIES, SVV 195 ELITE, SSV-215, G22BR, SSV 225 & 249
CVX-20, ISO, SPRINT GT-150, SSU-169,INTIMIDATOR, GLASTRON
METRIC SERIES, SCIMITAR, SKI MACHINE
16'
17'
Page 3
DMIC
Manufacturer
HALLETT
HARLEY
HOLIDAY MANSION
HOLMES
HONDO
HOWARD
HURRICANE
HUSTLER
HYDRASPORT
HYDROFOIL
HYDROSTREAM
IMP
IMPERIAL
INFINITY
INTREPID
INVADER
JEFFERSON
JET SET
JOLLY ROGER'
KACHINA
KINSVATTEN
KONAMAKIA
LARSON
LAVERY CRAFT
MACH 1
MADELLA
MAGNUM
MAKO
MARES
MARIAH
MARLIN
MARTINI
MASTERCRAFT
MC
MILLER
MIRAGE
MISSEL
NORDIC
OCEAN MASTER
PACHANGA
PANTERA
PENN YAN
PHANTOM
POWER PLAY
POWERQUEST
PROFILE
PROFILE
PROLINE
PURSUIT
RANGER
RAYSONCRAFT
REGAL
REGULATOR
RENEGADE
REVEL CRAFT
RINKER
RIVIERA
SANGER
SCHIADA
SCORPION
SEA BIRD
SEA RAY
SIDEWINDER
SKATER
SLEEKCRAFT
SLICKCRAFT
SONIC
Rev 1.0 (5/97)
Models
348 ELANTE
18' AND UNDER
18'
17'
2150WA (225HP)
270XL
DC SPORT YACHT
MARLAGO 35
AVANTI
16'-18'
18' AND UNDER
WILDFIRE
16'-18'
16'-18'
MARINE
WA (T200 OB), CC (T225 OB), WA (T275)
38 EXPRESS, SPORT CRAFT
350SF , OB
18' AND UNDER
17'
270 INTRUDER
2500 SHADOW
PROFILE 206, PROFILE 25 (300)
27&29 (300HP), 31&33 (T300), 37 (T415)
240 SPT CC, 2700 SPT CC (T150 OB)
2655CC, 2855 EXPRESS
16'-20'
VALANTI & VELOCITY
26 EXPRESS
CAPTIVA MODELS
16'-19'
PACHANGA, 310 & 380 SUNSPORT 390 EXCRUISER, JET, PANCHARA, SORENTO,
SORENTO 21, SHAMROCK, 220 STALKER, GRAND SLAM
Page 4
DMIC
Manufacturer
SONIC
SPECTRA
SPICO
SPRITE
STAMAS
STAN-CRAFT
STAR FIRE
STARFIRE
STINGER
STINGRAY
STOKER
STRATOS
STUPHEN
SUNBIRD
SUNRAY
SUNSATION
SUNSEEKER
SUPERBOATS
SUPRA-COMP
SUTPHEN
SWITZER
TAHITI
TALON
TEMPEST
THUNDERBIRD
VENTURE
VIP
WEBB CRAFT
WELL CRAFT
WICKENS
WINNER
WREIDT
XYLEM
Rev 1.0 (5/97)
Models
3055
16'-18'
17'-18'
255 TARPON
CAN-AM, CRS
16'-18'
20SST
BANSHEE, PERFOMER, RENEGADE, COBRA, SPORT, PANTERA, CHAPARRAL
AGGRESSOR & ROCKET
TS6M
SS-250
TUNNEL HULL
32 SPORT
FORMULA, FORMULA 206FL, 206SL,206 SPIDER, 223LS,242LS,242SS 45 ENGINE,
272SR1, 311SR1, 357SR1, ALL "SR" MODELS ("PC" MODELS ACCEPTABLE)
MAGNUM
VINDICATOR
ALL SCARABS, NOVA, SPYER & KAAMA ECLIPSE (7.4L)ELITE 210 21' 260 HP
FISHERMAN 180 18' 225HP, NOVA 26', NOVA 23' 410HP, NOVA XL 23',SCARAB,
SUPERSPORT, V20 STEPLIFT 21'235 HP, METEOR, 26 SPORTSTER
18'
SPORT ESCAPE
Page 5
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BOATOWNERS MANUAL
Rule 1 - Eligibility
1.1
Eligible Property
The Boatowners Special Form, BT-100, may be used to cover boats that meet all the following
requirements:




Owned by individuals for personal pleasure use
39 feet or less in overall length
Capable of maximum speeds not greater than 50 MPH
Valued at $150,000 or less
Use the combined values of the boat and motor(s) to determine the eligibility status for boats
powered by outboard motors.
The Boatowners Special Form may also be used to cover trailers used to transport one of more
covered boats.
1.2
Ineligible Property
The following are not eligible for coverage under this program:
















Rev 1.0 (5/97)
Air propelled or powered boats
Amphibious vehicles
Boats powered by converted automobile engines
Boats used or developed for experimental purposes
Converted military surplus vessels
Home - built or kit - built boats
House boats used as year-round or seasonal residences
Hovercraft
Hydrofoils or Hydroplanes
Ice boats
Personal watercraft, such as AJetskis@, ASeadoos@, or AWaverunners@
Power boats capable of maximum speeds in excess of 50 MPH
Power boats owned for racing purposes
Property used for business, charter or other commercial purposes
Sailboards or windsurfers
Submersible watercraft
Page 6
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BOATOWNERS MANUAL
Rule 2 - Program Description
A general description of the coverage provided by the Boatowners Special Form follows. The form and any
applicable endorsements state the complete conditions.
2.1
Form BT-100
The Boatowners Special Form, BT-100, can be used to provide


property, liability and uninsured boaters coverages for all covered boats; or
only property coverage for all covered boats.
When form BT-100 is used to provide liability coverage, a separate liability charge must be made for
each boat described on the declarations.
When form BT-100 is not used to provide liability coverage, make entries on the declarations to show
that the personal liability, medical payments and uninsured boaters coverages do not apply.
2.2
Principal Property Coverages
Coverages is provided for boats, motors and boat trailers described on the declarations. A separate
limit must be shown for each covered items.
2.2.1 Boats - ABoats@ means a watercraft. The limit shown on the declarations for covered boat
applies to the hull and to sails, spars, fittings and all permanently attached equipment. This
includes built-in engines, but not outboard motors.
2.2.2 Motors - AMotor@ means an outboard motor, including start equipment and controls, electric
harnesses, fuel tanks and other pressure control tanks.
2.2.3
2.3
Boat Trailers - ABoat trailer@ means a trailer designed specifically for transporting a boat.
Perils Covered
Covered property is insured against direct risks of physical loss that are not specifically excluded by the
terms of the form.
2.4
Property Loss Settlement Provisions
2.4.1 Stated Value - When total or constructive total loss occurs to a boat described on the
declarations, coverage applies on a stated value basis.
2.4.2 Replacement Cost - When repair or replacement is made for partial loss to a boat described
on the declarations, coverage applies on a replacement cost basis. Replacement cost coverages is not
provided for sails, canvas or rigging.
2.4.3 Actual Cash Value - When repair is not made for partial loss to a boat described on the
declarations, coverage applies on an actual cash value basis. Actual cash value terms also apply
property other than boats described on the declarations and to canvas, sails and rigging when there is
not a total loss to a boat described on the declarations.
Rev 1.0 (5/97)
Page 7
DMIC
BOATOWNERS MANUAL
2.5
Principal Liability Coverages
When form BT-100 is used to provide liability coverage, Coverages X and Y, Personal Liability and
Medical Payments, apply to exposures related to the use of the boats, motors and boat trailers
described on the declarations and to exposures arising out of substitute boats, newly acquired
property and non-owned boats as described in the BT-100.
2.5.1
Coverage X - Coverage X pays damages for which an insured is liable by law because of
bodily injury or property damage arising from a coverage boat exposure.
2.5.2
Coverage Y - Coverage Y pays medical expenses for accidents arising from a covered boat
exposure. Coverage Y pays the medical expenses of insureds, as well as other persons
injured in a covered accident.
2.5.3
Basic Limits - The basic limits for the Principal Liability Coverages are:
Coverage X
$100,000 Per Occurrence
Coverage Y
$ 1,000 Per Person
Higher Per Occurrence and Per Person limits are available. Show the Coverage X and
Coverage Y limits on the declarations when liability coverage applies.
2.6
Uninsured Boaters Coverage
Coverage Z, Uninsured Boaters Coverage, pays for compensatory damages that an insured is
legally entitled to recover because of injuries caused by an accident arising out of an uninsured
boat. There is no additional premium charge for Uninsured Boaters Coverage; however, it
applies
only when form BT-100 is used to cover the liability exposures of the boats described on
the
declarations. The limit for Uninsured Boaters Coverage is:
Coverage Z
$50,000 Per Accident
Refer to rules and rating information filed by the company for other Coverages Z limits. Show the
Coverage Z limit on the declarations when Uninsured Boaters Coverage applies.
Rev 1.0 (5/97)
Page 8
DMIC
BOATOWNERS MANUAL
Rule 3 - Policy Writing Instructions
3.1
Policy Format
Form BT-100 may be written as a monoline policy only. The following components are required for
the monoline format:
MONONLINE
Declaration Page
(Supplementary Schedules Optional)
BT-100, Boatowners Special Form
GL-5, Additional Policy Conditions
Boatowners Endorsements
State Amendatory Endorsements
3.2
Inception Time
Show the inception time on the declarations.
3.3
Policy Term
Annual - Annual rating information is shown in this manual.
3.4
Coverage Territory
Form BT-100 covers losses, bodily injury and property damage that occur upon the land, coastal
waters, tributaries, inland lakes and rivers of the United States and Canada. Coastal waters means
ocean waters which extend ten miles from the coastline of the United States and Canada.
The boundaries of the coverage territory can be modified by entering a revised description on the
declarations.
Rev 1.0 (5/97)
Page 9
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BOATOWNERS MANUAL
3.5
Required Lay-up Period - Territories 2, 3 and 5
The annual rating information shown in this manual for Territories 2, 3 and 5 has been adjusted to
reflect an eight-month navigation period. Covered watercraft must be in a safe berth for storage
ashore or afloat from approximately mid-November until mid-March. This period of time is referred
to as the lay-up period.
A grace period at the beginning and end of the lay-up period permits the use of the boat 15 days
after the lay-up period begins and 15 days before the lay-up periods ends.
Subject to the company=s approval, the required lay-up period can be waived for an additional
charge.
Attach endorsement BT-4 and show the lay-up period on the declarations.
3.6
Additional Interests
Loss to covered property can be made payable to the insured and to loss payees or others who
have an interest in the property.
Identify loss payees on endorsement BT-5
Identify other additional interests on endorsement BT-6
3.7
Assignment
Subject to the company=s approval, the policy may be endorsed to make assignment from one
insured to another effective in the event of transfer of title of the property.
Identify the changes on endorsement BT-1
3.8
Cancellation or Reduction in Limits or Coverage
If the policy is canceled or the limits or coverages are reduced, the amount of any return premium
due is calculated on a pro rata basis.
Rev 1.0 (5/97)
Page 10
DMIC
BOATOWNERS MANUAL
Rule 4 - Premium Determination
4.1
4.2
Property Limits
4.1.1
Boats - The limit for each boat should be based on the full value of the covered boat,
including its sails, spars, fittings and all permanently attached equipment including engines.
4.1.2
Other Property - The limit for each outboard motor and trailer should be based on the full
actual cash value of the covered item.
Liability Limits
When form BT-100 is used to provide liability coverage, the Coverage X and Coverage Y limits must
be the same for all boats on the declarations.
4.3
Calculation of Premium
4.3.1
Property Premium - Boats and Motors Step 1 Add the boat and motor limits together for all boats powered by outboard motors.
Step 2 Determine the premium for each boat based on the limit (or sum of the limits), type
of boat, and navigational territory. Select the premium shown for the limit at the
nearest $1,000 increment. If a boat is operated in more than one territory, use the
rating information for the highest rated territory.
Step 3 Multiply the premium determined in Step 2 by the deductible factor.
Step 4 Multiply the premium determined in Step 3 by any premium modification factors that
may apply.
4.3.2
Liability Premium, if applicable Step 1 Determine the premium for each boat based on its rate group and the Coverage X
limit. The rate group reflects the length and speed of the boat.
Step 2 If the Coverage Y limit is increased, add the additional charge shown in this manual
to the premium for each boat determined in Step 1.
4.3.3
Trailers Step 1 Determine the premium for each trailer based on the limit that applies.
Step 2 Multiply the premium determined in Step 1 by any premium modification factors that
may apply.
4.3.4
Rev 1.0 (5/97)
Coverage Options - Use the rating information in this manual to determine the premium for
any coverage options selected.
Page 11
DMIC
BOATOWNERS MANUAL
4.3.5
Total Premium - The total policy premium is the sum of the premiums developed according
to Rules 4.3.1, 4.3.2, 4.3.3 and 4.3.4.
4.3.6
Maximum and Minimum Charges - No additional premium shall be charged and no return
premium shall be allowed when such additional or return premium is less than $10.00
Minimum retained premium is $25.00.
Policy Minimum premium is 100.00 per one year period of coverage.
Rev 1.0 (5/97)
Page 12
DMIC
BOATOWNERS MANUAL
Rule 5 - Deductibles
A deductible amount is subtracted from all covered property losses, except the Additional Property
Coverage provided for Emergency Service.
The deductible amount is subtracted only once per loss, regardless of the number of covered items
affected.
5.1
Deductible - Boats, Motors and Additional Property Coverages
One of the following deductible options can be selected for boats, motors and the additional
coverages provided for miscellaneous property, substitute boats, non-owned boats and newly
acquired property. The deductible factors shown in this manual apply to the property premium for
all boats and motors described on the declarations.
Deductible Options
Boats, Motors and Additional Property Coverages
1% of Hull Value
Minimum $ 100
2% of Hull Value
Minimum $ 250
3% of Hull Value
Minimum $ 500
4% of Hull Value
Minimum $ 1000
Show the deductible amount on the declarations.
5.2
Trailers
The following deductible amount is mandatory for all trailers written on this policy.
Trailer Deductible
$250
Show the deductible amount on the declarations.
Rev 1.0 (5/97)
Page 13
DMIC
BOATOWNERS MANUAL
Rule 6 - Premium Modifications
6.1
Age of Boat
The age of boat factors shown in this manual apply to the property premium developed for each boat
depending on the age of the craft. Use the manufacture year to determine the age of each boat. (For
example: Year of manufacture 1995, Current year 1997 - Mfg year 1995 = 2 yrs. old)
6.2
Navigation Period
6.2.1
Extended Navigation Period - Territories 2, 3 and 5
The extended navigation factor shown in this manual applies to the property premium for
each covered boat when the lay-up period required in Territory 2, Territory 3 and Territory 5
is waived. Refer to the company to determine eligibility for the extended navigation period.
Omit endorsement BT-4 and indicate that the lay-up period is not applicable on the
declarations.
6.2.2
Limited Navigation Period - Territories 1 and 4
The limited navigation factor shown in this manual applies to the property premium for each
coverage boat when an eight-month navigation period is voluntarily elected. The limited
navigation factor is based on a four-month lay-up period. A grace period at the beginning
and end of the lay-up permits the use of the boat 15 days after the lay-up period begins and
15 days before the lay-up periods ends.
Attached endorsement BT-4 and show the lay-up period on the declarations.
6.3
Other Premium Modifications
Apply other premium modification credits shown in this manual to reflect:




navigational training;
the installation of navigational or safety equipment;
the installation of theft prevention devices; and
diesel power.
Modifications for navigational training apply to the property premium for all covered boats and
motors. Modifications for navigational equipment, safety equipment, theft prevention devices and
diesel power apply only to the property premium for the covered boat, motor and/or trailer that is so
equipped. Modifications for a trailer ball locking device apply to the property premium for both the
covered trailer and the boat(s) towed by that trailer.
The maximum sum of the credits permitted under this rule is 25%.
Rev 1.0 (5/97)
Page 14
DMIC
BOATOWNERS MANUAL
Rule 7 - Coverage Options
7.1
Miscellaneous Property - Increased Limit
There is $1,500 of Miscellaneous Property automatically included as an additional limit in the policy
form. The limit that applies to miscellaneous property can be increased. Use the rating information
in this manual. No adjustments for the deductible option selected apply.
Show the total Miscellaneous Property limit on the declarations.
7.2
Emergency Service - Expanded Coverage
$50 Emergency Service-Expanded Coverage included automatically in policy. Higher limits are
available.
In addition to coverage for towing and labor at the place of disablement., emergency service
coverage is expanded to include delivery of fuel, oil or a battery or changing a boat trailer tire. Use
the rating information in this manual. This coverage does not include the cost of fuel, oil,
batteries or tires. No deductible apples.
Show the Emergency Service limit on the declarations and attach endorsement BT-7.
Rev 1.0 (5/97)
Page 15
DMIC
BOATOWNERS MANUAL
Rule 8 - Navigational Territories
Property rating information in this manual is shown for boats operated in the following navigational territories. If
the boat is operated in more than one territory, use the rating information for the highest rated territory.
Territory 1 - South Atlantic and Gulf
Coastal waters of the Atlantic Ocean from the North Carolina-Virginia border southward and the waters of the
Gulf of Mexico.
Territory 2 - North Atlantic
Coastal waters of the Atlantic Ocean from the North Carolina-Virginia border northward( including the Hudson
River south of the Tappan Zee Bridge). The Territory 2 rating information in this manual is based on an eightmonth navigation period.
Territory 3 - Great Lakes
Lake Erie, Lake Huron, Lake Michigan, Lake Ontario ( including the St. Lawrence River south of Quebec City)
and Lake Superior. The Territory 3 rating information in this manual is based on an eight-month navigation
period.
Territory 4 - Pacific
Coastal waters of the Pacific Ocean
Territory 5 - Other Inland Waters
Inland waters, other than the Great Lakes, of the United States and Canada.The Territory 5 rating information in
this manual is based on an eight-month navigation period.
Rev 1.0 (5/97)
Page 16
DMIC
WATERCRAFT BASE PREMIUMS
INBOARDS AND INBOARD/OUTDRIVES
LIMIT
1000
2000
3000
4000
AGE
0-1
70
79
88
97
AGE
2-5
74
83
93
102
AGE
6 - 10
TERRITORY 3
GREAT LAKES
81
92
102
113
AGE
11 - 15
88
100
111
123
AGE
16 - 20
103
117
130
143
AGE
21 +
118
133
149
164
5000
6000
7000
8000
9000
106
116
125
134
143
112
122
131
141
151
123
134
144
155
166
134
146
158
169
181
157
170
184
197
211
179
195
210
225
241
10000
11000
12000
13000
14000
152
161
170
179
187
160
169
179
188
197
176
186
197
207
217
192
203
214
226
237
224
237
250
263
276
256
271
286
301
316
15000
16000
17000
18000
19000
196
205
214
223
232
207
216
225
234
244
227
237
248
258
268
248
259
270
281
292
289
302
315
328
341
330
345
360
375
390
20000
21000
22000
23000
24000
240
249
256
264
272
253
262
270
278
286
278
288
297
306
315
304
314
324
334
343
354
367
378
389
400
405
419
432
445
458
25000
26000
27000
28000
29000
279
287
294
302
310
294
302
310
318
326
323
332
341
350
359
353
362
372
382
391
412
423
434
445
456
470
483
496
509
522
30000
31000
32000
33000
34000
317
326
334
342
350
334
343
351
360
369
367
377
386
396
405
401
411
422
432
442
468
480
492
504
516
534
548
562
576
590
35000
36000
37000
38000
39000
358
367
375
383
391
377
386
395
403
412
415
424
434
443
453
453
463
473
484
494
528
540
552
564
577
604
617
631
645
659
40000
41000
42000
43000
44000
399
407
415
423
431
420
429
437
445
454
462
472
481
490
499
505
515
525
535
545
589
600
612
624
635
673
686
699
713
726
45000
46000
47000
48000
49000
439
447
455
463
471
462
470
479
487
495
508
517
527
536
545
554
564
574
584
594
647
659
670
682
694
739
753
766
779
793
Rev 1.0 (5/97)
Page 17
LIMIT
TERRITORY 3
GREAT LAKES
50000
51000
52000
53000
54000
AGE
0-1
479
486
494
501
509
AGE
2-5
504
512
520
528
536
AGE
6 - 10
554
563
572
580
589
AGE
11 - 15
604
614
624
633
643
AGE
16 - 20
705
716
728
739
750
AGE
21 +
806
819
832
844
857
55000
56000
57000
58000
59000
517
524
532
539
547
544
552
560
568
576
598
607
616
625
633
652
662
672
681
691
761
772
784
795
806
870
883
896
908
921
60000
61000
62000
63000
64000
555
562
569
576
584
584
591
599
607
615
642
651
659
667
676
701
710
719
728
737
817
828
839
850
860
934
946
959
971
983
65000
66000
67000
68000
69000
591
598
606
613
620
622
630
638
645
653
684
693
701
710
718
747
756
765
774
784
871
882
893
903
914
995
1008
1020
1032
1045
70000
71000
72000
73000
74000
628
635
642
649
656
661
668
675
683
690
727
735
743
751
759
793
802
810
819
828
925
935
945
956
966
1057
1069
1081
1092
1104
75000
76000
77000
78000
79000
663
670
677
684
691
697
705
712
720
727
767
775
783
791
800
837
846
855
863
872
976
987
997
1007
1018
1116
1128
1139
1151
1163
80000
81000
82000
83000
84000
698
704
711
718
724
734
741
748
755
762
808
815
823
831
839
881
890
898
906
915
1028
1038
1048
1058
1067
1175
1186
1197
1209
1220
85000
86000
87000
88000
89000
731
738
744
751
758
769
777
784
791
798
846
854
862
870
877
923
932
940
949
957
1077
1087
1097
1107
1117
1231
1242
1254
1265
1276
90000
91000
92000
93000
94000
764
771
777
784
790
805
811
818
825
832
885
893
900
907
915
966
974
982
990
998
1127
1136
1145
1155
1164
1288
1298
1309
1320
1331
95000
96000
97000
98000
99000
796
803
809
816
822
838
845
852
859
865
922
930
937
944
952
1006
1014
1022
1030
1038
1174
1183
1192
1202
1211
1341
1352
1363
1374
1384
DMIC
MAY 1997
page2
LIMIT
TERRITORY 3
GREAT LAKES
100000
101000
102000
103000
104000
AGE
0-1
828
834
841
847
853
AGE
2-5
872
878
885
891
898
AGE
6 - 10
959
966
973
980
987
AGE
11 - 15
1046
1054
1062
1069
1077
AGE
16 - 20
1221
1230
1239
1248
1257
AGE
21 +
1395
1405
1416
1426
1436
105000
106000
107000
108000
109000
859
865
871
877
883
904
910
917
923
930
994
1001
1008
1016
1023
1085
1092
1100
1108
1116
1266
1275
1284
1292
1301
1446
1457
1467
1477
1487
110000
111000
112000
113000
114000
889
895
901
907
912
936
942
948
954
960
1030
1036
1043
1050
1056
1123
1131
1138
1145
1152
1310
1319
1327
1336
1344
1498
1507
1517
1527
1537
115000
116000
117000
118000
119000
918
924
930
935
941
966
973
979
985
991
1063
1070
1076
1083
1090
1160
1167
1174
1182
1189
1353
1362
1370
1379
1387
1546
1556
1566
1575
1585
120000
121000
122000
123000
124000
947
952
958
963
969
997
1003
1008
1014
1020
1097
1103
1109
1116
1122
1196
1203
1210
1217
1224
1396
1404
1412
1420
1428
1595
1604
1613
1623
1632
125000
126000
127000
128000
129000
974
980
985
991
996
1026
1031
1037
1043
1049
1128
1135
1141
1147
1154
1231
1238
1245
1252
1258
1436
1444
1452
1460
1468
1641
1650
1660
1669
1678
130000
131000
132000
133000
134000
1002
1007
1012
1017
1022
1054
1060
1065
1071
1076
1160
1166
1172
1178
1184
1265
1272
1278
1285
1292
1476
1484
1492
1499
1507
1687
1696
1705
1713
1722
135000
136000
137000
138000
139000
1028
1033
1038
1043
1048
1082
1087
1093
1098
1103
1190
1196
1202
1208
1214
1298
1305
1311
1318
1324
1514
1522
1530
1537
1545
1731
1739
1748
1757
1766
140000
141000
142000
143000
144000
1053
1058
1063
1068
1073
1109
1114
1119
1124
1129
1220
1225
1231
1237
1242
1331
1337
1343
1349
1355
1552
1560
1567
1574
1581
1774
1782
1791
1799
1807
145000
146000
147000
148000
149000
150000
1078
1083
1088
1092
1097
1102
1135
1140
1145
1150
1155
1160
1248
1254
1259
1265
1271
1276
1361
1368
1374
1380
1386
1392
1588
1596
1603
1610
1617
1624
1815
1823
1832
1840
1848
1856
Rev 1.0 (5/97)
Page 18
BOAT, MOTORS & ADD'L PROPERTY
DEDUCTIBLE
FACTOR
1% OF HULL VALUE MIN $ 100
INCLUDED
.90
.80
4% OF HULL VALUE MIN $1000
.70
LIABILITY RATE GROUPS
MAXIMUM
LENGTH IN FEET
SPEED
0 - 25
26 - 39
UP TO 16 MPH
1
3
16 - 30 MPH
2
4
31 - 45 MPH
5
6
46 MPH & OVER
7
7
1
2
NO AUXILIARY POWER
LIABILITY PREMIUMS
RATE
LIMITS ( INCLUDES $1,000 MED PAY )
GROUP
$100,000
$300,000
$500,000
$1,000,000
1
24
31
34
43
2
26
36
39
49
3
34
45
50
62
4
53
71
78
97
5
65
88
97
120
6
76
101
113
139
7
95
123
138
171
TRAILERS
DEDUCTIBLE
$250
$ 15. PER $1000
MEDICAL PAYMENTS
INCREASED LIMITS
EACH ADD'L $1000
$3.00
MISCELLANEOUS PROPERTY
INCREASED LIMITS
EACH ADD'L $100
$1.50
DMIC
TERRITORY 5
INLAND WATERS
LIMIT
1000
2000
3000
4000
AGE
0-1
64
73
81
89
AGE
2-5
68
76
85
94
AGE
6 - 10
74
84
94
103
AGE
11 - 15
81
92
102
113
AGE
16 - 20
95
107
119
132
AGE
21 +
108
122
136
150
5000
6000
7000
8000
9000
98
106
114
123
131
103
112
120
129
138
113
123
132
142
152
123
134
144
155
166
144
156
168
181
193
164
178
193
207
221
10000
11000
12000
13000
14000
139
148
156
164
172
147
155
164
172
181
161
171
180
190
199
176
186
197
207
217
205
217
229
241
253
235
248
262
276
289
15000
16000
17000
18000
19000
180
188
196
204
212
189
198
206
215
223
208
218
227
236
246
227
237
248
258
268
265
277
289
301
313
303
317
330
344
357
20000
21000
22000
23000
24000
220
228
235
242
249
232
240
247
255
262
255
264
272
280
288
278
288
297
306
315
325
336
346
357
367
371
384
396
408
419
25000
26000
27000
28000
29000
256
263
270
277
284
269
277
284
291
299
296
304
313
321
329
323
332
341
350
359
377
388
398
408
418
431
443
455
466
478
30000
31000
32000
33000
34000
291
298
306
313
321
306
314
322
330
338
337
345
354
363
372
367
377
386
396
405
429
440
451
462
473
490
503
515
528
541
35000
36000
37000
38000
39000
328
336
344
351
359
346
354
362
370
377
380
389
398
407
415
415
424
434
443
453
484
495
506
517
528
553
566
579
591
604
40000
41000
42000
43000
44000
366
373
381
388
395
385
393
401
408
416
424
432
441
449
458
462
472
481
490
499
540
550
561
572
582
617
629
641
653
666
45000
46000
47000
48000
49000
402
410
417
424
431
424
431
439
446
454
466
474
483
491
500
508
517
527
536
545
593
604
614
625
636
678
690
702
714
727
Rev 1.0 (5/97)
Page 19
TERRITORY 5
INLAND WATERS
LIMIT
50000
51000
52000
53000
54000
AGE
0-1
439
446
453
460
467
AGE
2-5
462
469
476
484
491
AGE
6 - 10
508
516
524
532
540
AGE
11 - 15
554
563
572
580
589
AGE
16 - 20
646
657
667
677
688
AGE
21 +
739
751
762
774
786
55000
56000
57000
58000
59000
474
480
487
494
501
498
506
513
520
528
548
556
564
572
581
598
607
616
625
633
698
708
718
729
739
797
809
821
833
844
60000
61000
62000
63000
64000
508
515
522
528
535
535
542
549
556
563
589
596
604
612
620
642
651
659
667
676
749
759
769
779
789
856
867
879
890
901
65000
66000
67000
68000
69000
542
549
555
562
569
570
577
584
591
599
627
635
643
651
658
684
693
701
710
718
798
808
818
828
838
913
924
935
946
958
70000
71000
72000
73000
74000
575
582
588
595
601
606
612
619
626
633
666
674
681
688
696
727
735
743
751
759
848
857
867
876
886
969
980
991
1001
1012
75000
76000
77000
78000
79000
607
614
620
627
633
639
646
653
660
666
703
711
718
726
733
767
775
783
791
800
895
904
914
923
933
1023
1034
1045
1055
1066
80000
81000
82000
83000
84000
639
646
652
658
664
673
680
686
692
699
740
747
755
762
769
808
815
823
831
839
942
951
960
969
978
1077
1087
1098
1108
1118
85000
86000
87000
88000
89000
670
676
682
689
695
705
712
718
725
731
776
783
790
797
804
846
854
862
870
877
988
997
1006
1015
1024
1129
1139
1149
1160
1170
90000
91000
92000
93000
94000
701
707
712
718
724
738
744
750
756
762
811
818
825
832
839
885
893
900
907
915
1033
1041
1050
1059
1067
1180
1190
1200
1210
1220
95000
96000
97000
98000
99000
730
736
742
748
753
768
775
781
787
793
845
852
859
866
872
922
930
937
944
952
1076
1084
1093
1102
1110
1230
1239
1249
1259
1269
DMIC
TERRITORY 5
INLAND WATERS
LIMIT
100000
101000
102000
103000
104000
AGE
0-1
759
765
770
776
782
AGE
2-5
799
805
811
817
823
AGE
6 - 10
879
886
892
899
905
AGE
11 - 15
959
966
973
980
987
AGE
16 - 20
1119
1127
1135
1144
1152
AGE
21 +
1279
1288
1298
1307
1316
105000
106000
107000
108000
109000
787
793
798
804
810
829
835
840
846
852
912
918
924
931
937
994
1001
1008
1016
1023
1160
1168
1177
1185
1193
1326
1335
1345
1354
1363
110000
111000
112000
113000
114000
815
820
826
831
836
858
864
869
875
880
944
950
956
962
968
1030
1036
1043
1050
1056
1201
1209
1217
1225
1232
1373
1382
1391
1400
1408
115000
116000
117000
118000
119000
842
847
852
857
863
886
891
897
903
908
974
981
987
993
999
1063
1070
1076
1083
1090
1240
1248
1256
1264
1271
1417
1426
1435
1444
1453
120000
121000
122000
123000
124000
868
873
878
883
888
914
919
924
930
935
1005
1011
1017
1023
1028
1097
1103
1109
1116
1122
1279
1287
1294
1301
1309
1462
1470
1479
1487
1496
125000
126000
127000
128000
129000
893
898
903
908
913
940
945
951
956
961
1034
1040
1046
1052
1057
1128
1135
1141
1147
1154
1316
1324
1331
1338
1346
1504
1513
1521
1530
1538
130000
131000
132000
133000
134000
918
923
928
933
937
967
972
977
982
987
1063
1069
1074
1080
1085
1160
1166
1172
1178
1184
1353
1360
1367
1374
1381
1547
1555
1563
1571
1579
135000
136000
137000
138000
139000
942
947
951
956
961
992
997
1002
1007
1012
1091
1096
1102
1107
1113
1190
1196
1202
1208
1214
1388
1395
1402
1409
1416
1586
1594
1602
1610
1618
140000
141000
142000
143000
144000
966
970
975
979
984
1017
1021
1026
1031
1035
1118
1123
1128
1134
1139
1220
1225
1231
1237
1242
1423
1430
1436
1443
1449
1626
1634
1641
1649
1656
145000
146000
147000
148000
149000
150000
988
992
997
1001
1006
1010
1040
1045
1049
1054
1059
1063
1144
1149
1154
1159
1165
1170
1248
1254
1259
1265
1271
1276
1456
1463
1469
1476
1482
1489
1664
1672
1679
1687
1694
1702
Rev 1.0 (5/97)
Page 20
DEDUCTIBLE
FACTOR
INCLUDED
.90
.80
.70
MAXIMUM
LENGTH IN FEET
SPEED
0 - 25
26 - 39
UP TO 16 MPH
1
3
16 - 30 MPH
2
4
31 - 45 MPH
5
6
46 MPH & OVER
7
7
1
2
NO AUXILIARY POWER
LIABILITY PREMIUMS
RATE
GROUP
$100,000
$300,000
$500,000
$1,000,000
1
24
31
34
43
2
26
36
39
49
3
34
45
50
62
4
53
71
78
97
5
65
88
97
120
6
76
101
113
139
7
95
123
138
171
TRAILERS
DEDUCTIBLE
$250
$ 15. PER $1000
MEDICAL PAYMENTS
INCREASED LIMITS
EACH ADD'L $1000
$3.00
INCREASED LIMITS
EACH ADD'L $100
$1.50
DMIC
OUTBOARDS
1000
2000
3000
4000
AGE
0-1
78
88
98
108
AGE
2-5
82
93
103
114
AGE
6 - 10
OUTBOARDS
TERRITORY 3
GREAT LAKES
1% DEDUCTIBLE - $100 MIN.
LIMIT
90
102
114
125
AGE
11 - 15
98
111
124
137
AGE
16 - 20
115
130
144
159
AGE
21 +
131
148
165
182
5000
6000
7000
8000
9000
118
128
139
149
159
125
135
146
157
167
137
149
160
172
184
149
162
175
188
201
174
189
204
219
234
199
216
233
250
268
10000
11000
12000
13000
14000
169
179
189
198
208
178
188
199
209
219
196
207
218
230
241
213
226
238
251
263
249
264
278
292
307
285
301
318
334
351
15000
16000
17000
18000
19000
218
228
238
247
257
229
240
250
260
271
252
264
275
286
298
275
288
300
313
325
321
336
350
365
379
367
384
400
417
433
20000
21000
22000
23000
24000
267
276
285
293
302
281
291
300
309
318
309
320
330
340
350
337
349
360
371
381
394
407
420
432
445
450
466
480
494
508
25000
26000
27000
28000
29000
310
319
327
336
344
327
336
344
353
362
359
369
379
389
398
392
403
413
424
435
457
470
482
495
507
523
537
551
565
580
30000
31000
32000
33000
34000
353
362
371
380
389
371
381
390
400
410
408
419
429
440
450
445
457
468
480
491
520
533
546
560
573
594
609
625
640
655
35000
36000
37000
38000
39000
398
407
416
426
435
419
429
438
448
458
461
472
482
493
503
503
514
526
538
549
587
600
614
627
641
671
686
701
717
732
40000
41000
42000
43000
44000
444
453
461
470
479
467
476
486
495
504
514
524
534
544
555
561
572
583
594
605
654
667
680
693
706
747
762
777
792
807
45000
46000
47000
48000
49000
488
497
505
514
523
513
523
532
541
550
565
575
585
595
605
616
627
638
649
661
719
732
745
758
771
821
836
851
866
881
Rev 1.0 (5/97)
TERRITORY 3
GREAT LAKES
Page 21
LIMIT
50000
51000
52000
53000
54000
AGE
0-1
532
540
549
557
565
AGE
2-5
560
569
577
586
595
AGE
6 - 10
616
625
635
645
655
AGE
11 - 15
672
682
693
704
714
AGE
16 - 20
784
796
808
821
833
AGE
21 +
895
910
924
938
952
55000
56000
57000
58000
59000
574
582
591
599
608
604
613
622
631
640
665
674
684
694
704
725
736
746
757
768
846
858
871
883
896
967
981
995
1009
1024
60000
61000
62000
63000
64000
616
624
632
641
649
649
657
666
674
683
713
723
732
742
751
778
789
799
809
819
908
920
932
944
956
1038
1051
1065
1079
1092
65000
66000
67000
68000
69000
657
665
673
681
689
691
700
708
717
725
760
770
779
789
798
830
840
850
860
871
968
980
992
1004
1016
1106
1120
1133
1147
1161
70000
71000
72000
73000
74000
697
705
713
721
728
734
742
750
759
767
807
816
825
834
843
881
891
900
910
920
1028
1039
1051
1062
1073
1174
1188
1201
1214
1227
75000
76000
77000
78000
79000
736
744
752
760
767
775
783
791
799
808
852
861
870
879
888
930
940
950
959
969
1085
1096
1108
1119
1131
1240
1253
1266
1279
1292
80000
81000
82000
83000
84000
775
782
790
797
805
816
824
832
839
847
897
906
915
923
932
979
988
998
1007
1017
1142
1153
1164
1175
1186
1305
1318
1330
1343
1355
85000
86000
87000
88000
89000
812
820
827
835
842
855
863
871
878
886
940
949
958
966
975
1026
1035
1045
1054
1064
1197
1208
1219
1230
1241
1368
1381
1393
1406
1418
90000
91000
92000
93000
94000
849
857
864
871
878
894
902
909
917
924
984
992
1000
1008
1016
1073
1082
1091
1100
1109
1252
1262
1273
1283
1294
1431
1443
1455
1466
1478
95000
96000
97000
98000
99000
885
892
899
906
913
931
939
946
954
961
1025
1033
1041
1049
1058
1118
1127
1136
1145
1154
1304
1315
1325
1335
1346
1490
1502
1514
1526
1538
DMIC
OUTBOARDS
TERRITORY 3
GREAT LAKES
LIMIT
100000
101000
102000
103000
104000
AGE
0-1
920
927
934
941
947
AGE
2-5
969
976
983
990
997
AGE
6 - 10
1066
1074
1081
1089
1097
AGE
11 - 15
1163
1171
1180
1188
1197
AGE
16 - 20
1356
1366
1376
1386
1396
AGE
21 +
1550
1562
1573
1584
1596
105000
106000
107000
108000
109000
954
961
968
974
981
1004
1012
1019
1026
1033
1105
1113
1121
1128
1136
1205
1214
1222
1231
1239
1406
1416
1426
1436
1446
1607
1618
1630
1641
1653
110000
111000
112000
113000
114000
988
994
1001
1007
1014
1040
1047
1054
1060
1067
1144
1151
1159
1166
1174
1248
1256
1264
1272
1280
1456
1465
1475
1484
1494
1664
1675
1686
1696
1707
115000
116000
117000
118000
119000
1020
1027
1033
1039
1046
1074
1081
1087
1094
1101
1181
1189
1196
1203
1211
1289
1297
1305
1313
1321
1503
1513
1522
1532
1541
1718
1729
1740
1751
1761
120000
121000
122000
123000
124000
1052
1058
1064
1070
1077
1108
1114
1120
1127
1133
1218
1225
1232
1240
1247
1329
1337
1344
1352
1360
1551
1560
1569
1578
1587
1772
1782
1793
1803
1813
125000
126000
127000
128000
129000
1083
1089
1095
1101
1107
1140
1146
1152
1159
1165
1254
1261
1268
1275
1282
1368
1375
1383
1391
1398
1595
1604
1613
1622
1631
1823
1834
1844
1854
1864
130000
131000
132000
133000
134000
1113
1119
1125
1130
1136
1172
1178
1184
1190
1196
1289
1295
1302
1309
1315
1406
1413
1420
1428
1435
1640
1649
1657
1666
1674
1875
1884
1894
1904
1913
135000
136000
137000
138000
139000
1142
1148
1153
1159
1165
1202
1208
1214
1220
1226
1322
1329
1335
1342
1349
1442
1450
1457
1464
1471
1683
1691
1700
1708
1717
1923
1933
1942
1952
1962
140000
141000
142000
143000
144000
1171
1176
1181
1187
1192
1232
1238
1244
1249
1255
1355
1362
1368
1374
1380
1479
1485
1492
1499
1506
1725
1733
1741
1749
1757
1971
1981
1990
1999
2008
145000
146000
147000
148000
149000
150000
1198
1203
1208
1214
1219
1225
1261
1266
1272
1278
1283
1289
1387
1393
1399
1405
1412
1418
1513
1520
1526
1533
1540
1547
1765
1773
1781
1789
1797
1805
2017
2026
2035
2044
2053
2063
Rev 1.0 (5/97)
Page 22
DEDUCTIBLE
FACTOR
INCLUDED
.90
.80
.70
MAXIMUM
LENGTH IN FEET
SPEED
0 - 25
26 - 39
UP TO 16 MPH
1
3
16 - 30 MPH
2
4
31 - 45 MPH
5
6
46 MPH & OVER
7
7
1
2
NO AUXILIARY POWER
LIABILITY PREMIUMS
RATE
GROUP
$100,000
$300,000
$500,000
$1,000,000
1
24
31
34
43
2
26
36
39
49
3
34
45
50
62
4
53
71
78
97
5
65
88
97
120
6
76
101
113
139
7
95
123
138
171
TRAILERS
DEDUCTIBLE
$250
$ 15. PER $1000
MEDICAL PAYMENTS
INCREASED LIMITS
EACH ADD'L $1000
$3.00
INCREASED LIMITS
EACH ADD'L $100
$1.50
DMIC
OUTBOARDS
LIMIT
1000
2000
3000
4000
AGE
0-1
71
81
90
99
AGE
2-5
75
85
95
104
AGE
6 - 10
83
93
104
115
AGE
11 - 15
90
102
114
125
AGE
16 - 20
105
119
132
146
AGE
21 +
120
136
151
167
5000
6000
7000
8000
9000
108
118
127
136
146
114
124
134
144
153
126
136
147
158
169
137
149
160
172
184
160
174
187
201
215
183
198
214
230
245
10000
11000
12000
13000
14000
155
164
173
182
191
163
173
182
191
201
179
190
200
211
221
196
207
218
230
241
228
242
255
268
281
261
276
291
306
321
15000
16000
17000
18000
19000
200
209
218
227
236
210
220
229
239
248
231
242
252
263
273
252
264
275
286
298
295
308
321
334
347
337
352
367
382
397
20000
21000
22000
23000
24000
245
253
261
269
277
258
267
275
283
291
283
293
302
311
320
309
320
330
340
350
361
374
385
396
408
412
427
440
453
466
25000
26000
27000
28000
29000
284
292
300
308
315
299
308
316
324
332
329
338
347
356
365
359
369
379
389
398
419
431
442
453
465
479
492
505
518
531
30000
31000
32000
33000
34000
323
332
340
348
357
340
349
358
367
375
374
384
394
403
413
408
419
429
440
450
476
489
501
513
526
544
558
572
587
601
35000
36000
37000
38000
39000
365
373
382
390
398
384
393
402
411
419
423
432
442
452
461
461
472
482
493
503
538
550
563
575
587
615
629
643
657
671
40000
41000
42000
43000
44000
407
415
423
431
439
428
437
445
454
462
471
480
490
499
508
514
524
534
544
555
600
611
623
635
647
685
699
712
726
739
45000
46000
47000
48000
49000
447
455
463
471
479
471
479
488
496
505
518
527
536
546
555
565
575
585
595
605
659
671
683
695
706
753
767
780
794
807
Rev 1.0 (5/97)
OUTBOARDS
TERRITORY 5
INLAND WATERS
Page 23
LIMIT
TERRITORY 5
INLAND WATERS
50000
51000
52000
53000
54000
AGE
0-1
487
495
503
511
518
AGE
2-5
513
521
529
537
546
AGE
6 - 10
564
573
582
591
600
AGE
11 - 15
616
625
635
645
655
AGE
16 - 20
718
730
741
752
764
AGE
21 +
821
834
847
860
873
55000
56000
57000
58000
59000
526
534
542
549
557
554
562
570
578
586
609
618
627
636
645
665
674
684
694
704
775
787
798
810
821
886
899
912
925
938
60000
61000
62000
63000
64000
565
572
580
587
595
595
602
610
618
626
654
663
671
680
688
713
723
732
742
751
832
843
854
865
876
951
964
976
989
1001
65000
66000
67000
68000
69000
602
609
617
624
632
634
642
649
657
665
697
706
714
723
732
760
770
779
789
798
887
898
909
920
931
1014
1026
1039
1052
1064
70000
71000
72000
73000
74000
639
646
653
661
668
673
680
688
695
703
740
748
757
765
773
807
816
825
834
843
942
952
963
973
984
1077
1089
1101
1113
1125
75000
76000
77000
78000
79000
675
682
689
696
703
710
718
725
733
740
781
790
798
806
814
852
861
870
879
888
994
1005
1016
1026
1037
1137
1149
1161
1173
1185
80000
81000
82000
83000
84000
710
717
724
731
738
748
755
762
769
777
823
831
838
846
854
897
906
915
923
932
1047
1057
1067
1077
1087
1197
1208
1220
1231
1243
85000
86000
87000
88000
89000
745
751
758
765
772
784
791
798
805
812
862
870
878
886
894
940
949
958
966
975
1097
1107
1117
1127
1137
1254
1265
1277
1288
1300
90000
91000
92000
93000
94000
779
785
792
798
805
820
826
833
840
847
902
909
917
924
932
984
992
1000
1008
1016
1147
1157
1167
1176
1186
1311
1322
1333
1344
1355
95000
96000
97000
98000
99000
811
818
824
831
837
854
861
868
874
881
939
947
954
962
969
1025
1033
1041
1049
1058
1195
1205
1215
1224
1234
1366
1377
1388
1399
1410
DMIC
page8
OUTBOARDS
LIMIT
TERRITORY 5
INLAND WATERS
100000
101000
102000
103000
104000
AGE
0-1
844
850
856
862
868
AGE
2-5
888
895
901
908
914
AGE
6 - 10
977
984
991
998
1006
AGE
11 - 15
1066
1074
1081
1089
1097
AGE
16 - 20
1243
1252
1262
1271
1280
AGE
21 +
1421
1431
1442
1452
1463
105000
106000
107000
108000
109000
875
881
887
893
899
921
927
934
940
947
1013
1020
1027
1034
1041
1105
1113
1121
1128
1136
1289
1298
1307
1316
1326
1473
1484
1494
1504
1515
110000
111000
112000
113000
114000
906
912
917
923
929
953
960
966
972
978
1049
1055
1062
1069
1076
1144
1151
1159
1166
1174
1335
1343
1352
1361
1369
1525
1535
1545
1555
1565
115000
116000
117000
118000
119000
935
941
947
953
959
984
991
997
1003
1009
1083
1090
1096
1103
1110
1181
1189
1196
1203
1211
1378
1387
1395
1404
1413
1575
1585
1595
1605
1615
120000
121000
122000
123000
124000
965
970
976
981
987
1015
1021
1027
1033
1039
1117
1123
1130
1136
1143
1218
1225
1232
1240
1247
1421
1430
1438
1446
1454
1624
1634
1643
1653
1662
125000
126000
127000
128000
129000
992
998
1004
1009
1015
1045
1051
1056
1062
1068
1149
1156
1162
1168
1175
1254
1261
1268
1275
1282
1463
1471
1479
1487
1495
1671
1681
1690
1700
1709
130000
131000
132000
133000
134000
1020
1026
1031
1036
1041
1074
1080
1085
1091
1096
1181
1188
1194
1200
1206
1289
1295
1302
1309
1315
1504
1511
1519
1527
1535
1718
1727
1736
1745
1754
135000
136000
137000
138000
139000
1047
1052
1057
1062
1068
1102
1107
1113
1118
1124
1212
1218
1224
1230
1236
1322
1329
1335
1342
1349
1542
1550
1558
1566
1573
1763
1772
1781
1789
1798
140000
141000
142000
143000
144000
1073
1078
1083
1088
1093
1129
1135
1140
1145
1150
1242
1248
1254
1260
1265
1355
1362
1368
1374
1380
1581
1589
1596
1603
1610
1807
1815
1824
1832
1841
145000
146000
147000
148000
149000
150000
1098
1103
1108
1113
1118
1123
1156
1161
1166
1171
1176
1182
1271
1277
1283
1288
1294
1300
1387
1393
1399
1405
1412
1418
1618
1625
1632
1640
1647
1654
1849
1857
1866
1874
1882
1891
Rev 1.0 (5/97)
Page 24
DEDUCTIBLE
FACTOR
INCLUDED
.90
.80
.70
MAXIMUM
LENGTH IN FEET
SPEED
0 - 25
26 - 39
UP TO 16 MPH
1
3
16 - 30 MPH
2
4
31 - 45 MPH
5
6
46 MPH & OVER
7
7
1
2
NO AUXILIARY POWER
LIABILITY PREMIUMS
RATE
GROUP
$100,000
$300,000
$500,000
$1,000,000
1
24
31
34
43
2
26
36
39
49
3
34
45
50
62
4
53
71
78
97
5
65
88
97
120
6
76
101
113
139
7
95
123
138
171
TRAILERS
DEDUCTIBLE
$250
$ 15. PER $1000
MEDICAL PAYMENTS
INCREASED LIMITS
EACH ADD'L $1000
$3.00
INCREASED LIMITS
EACH ADD'L $100
$1.50
DMIC
SAILBOATS
SAILBOATS
TERRITORY 3
GREAT LAKES
LIMIT
AGE
0-1
AGE
2-5
1000
2000
3000
4000
51
57
64
70
53
60
67
74
59
66
74
81
AGE
11 - 15
64
72
80
89
5000
6000
7000
8000
9000
77
83
90
97
103
81
88
95
102
109
89
97
104
112
120
97
105
114
122
130
113
123
133
142
152
130
141
152
163
174
10000
11000
12000
13000
14000
110
116
123
129
135
116
122
129
136
142
127
135
142
149
157
139
147
155
163
171
162
171
181
190
199
185
196
206
217
228
15000
16000
17000
18000
19000
142
148
154
161
167
149
156
163
169
176
164
171
179
186
194
179
187
195
203
211
209
218
228
237
246
239
249
260
271
282
20000
21000
22000
23000
24000
174
180
185
191
196
183
189
195
201
207
201
208
214
221
227
219
227
234
241
248
256
265
273
281
289
292
303
312
321
330
25000
26000
27000
28000
29000
202
207
213
218
224
212
218
224
230
235
234
240
246
253
259
255
262
269
276
283
297
305
313
322
330
340
349
358
367
377
30000
31000
32000
33000
34000
229
235
241
247
253
241
247
254
260
266
265
272
279
286
293
289
297
304
312
319
338
346
355
364
373
386
396
406
416
426
35000
36000
37000
38000
39000
259
265
271
277
283
272
279
285
291
297
300
307
313
320
327
327
334
342
349
357
381
390
399
408
416
436
446
456
466
476
40000
41000
42000
43000
44000
288
294
300
306
311
304
310
316
322
328
334
341
347
354
360
364
372
379
386
393
425
434
442
450
459
486
495
505
515
524
45000
46000
47000
48000
49000
317
323
328
334
340
334
340
346
352
358
367
374
380
387
394
400
408
415
422
429
467
476
484
492
501
534
544
553
563
572
Rev 1.0 (05/97)
AGE
6 - 10
AGE
16 - 20
74
84
94
104
TERRITORY 3
GREAT LAKES
AGE
21 +
85
96
107
118
Page 25
LIMIT
50000
51000
52000
53000
54000
AGE
0-1
346
351
357
362
368
AGE
2-5
364
370
375
381
387
AGE
6 - 10
400
407
413
419
426
AGE
11 - 15
437
443
450
457
464
AGE
16 - 20
509
517
525
534
542
AGE
21 +
582
591
601
610
619
55000
56000
57000
58000
59000
373
379
384
390
395
393
398
404
410
416
432
438
445
451
457
471
478
485
492
499
550
558
566
574
582
628
638
647
656
665
60000
61000
62000
63000
64000
401
406
411
416
422
422
427
433
438
444
464
470
476
482
488
506
513
519
526
533
590
598
606
614
621
675
683
692
701
710
65000
66000
67000
68000
69000
427
432
437
443
448
449
455
460
466
472
494
500
507
513
519
539
546
553
559
566
629
637
645
652
660
719
728
737
746
754
70000
71000
72000
73000
74000
453
458
463
468
473
477
482
488
493
498
525
531
537
542
548
573
579
585
592
598
668
675
683
690
698
763
772
780
789
797
75000
76000
77000
78000
79000
479
484
489
494
499
504
509
514
520
525
554
560
566
572
577
604
611
617
624
630
705
713
720
728
735
806
814
823
831
840
80000
81000
82000
83000
84000
504
509
513
518
523
530
535
540
546
551
583
589
595
600
606
636
642
649
655
661
742
750
757
764
771
848
857
865
873
881
85000
86000
87000
88000
89000
528
533
538
542
547
556
561
566
571
576
611
617
623
628
634
667
673
679
685
691
778
785
792
799
807
889
897
905
914
922
90000
91000
92000
93000
94000
552
557
561
566
571
581
586
591
596
601
639
645
650
655
661
697
703
709
715
721
814
820
827
834
841
930
938
945
953
961
95000
96000
97000
98000
99000
575
580
584
589
594
605
610
615
620
625
666
671
677
682
687
727
732
738
744
750
848
854
861
868
875
969
977
984
992
1000
DMIC
SAILBOATS
TERRITORY 3
GREAT LAKES
LIMIT
100000
101000
102000
103000
104000
105000
106000
107000
108000
109000
AGE
0-1
598
603
607
611
616
620
625
629
633
638
AGE
2-5
630
634
639
644
648
653
658
662
667
671
AGE
6 - 10
693
698
703
708
713
718
723
728
733
739
AGE
11 - 15
756
761
767
772
778
783
789
795
800
806
AGE
16 - 20
882
888
895
901
908
914
921
927
933
940
AGE
21 +
1008
1015
1022
1030
1037
DEDUCTIBLE
FACTOR
INCLUDED
.90
.80
.70
1045
1052
1059
1067
1074
MAXIMUM
LENGTH IN FEET
SPEED
110000
111000
112000
113000
114000
642
646
651
655
659
676
680
685
689
694
744
748
753
758
763
811
816
822
827
832
946
953
959
965
971
1082
1089
1096
1103
1110
115000
116000
117000
118000
119000
663
667
671
676
680
698
702
707
711
716
768
773
777
782
787
838
843
848
853
859
977
983
989
996
1002
1117
1124
1131
1138
1145
120000
121000
122000
123000
124000
684
688
692
696
700
720
724
728
732
737
792
797
801
806
810
864
869
874
879
884
1008
1014
1020
1025
1031
1152
1159
1165
1172
1179
125000
126000
127000
128000
129000
704
708
712
716
720
741
745
749
753
757
815
819
824
829
833
889
894
899
904
909
1037
1043
1049
1055
1060
1185
1192
1199
1205
1212
130000
131000
132000
133000
134000
723
727
731
735
738
762
766
769
773
777
838
842
846
851
855
914
919
923
928
933
1066
1072
1077
1083
1088
1219
1225
1231
1237
1244
135000
136000
137000
138000
139000
742
746
750
753
757
781
785
789
793
797
859
864
868
872
877
937
942
947
952
956
1094
1099
1105
1110
1116
1250
1256
1263
1269
1275
140000
141000
142000
143000
144000
761
764
768
771
775
801
805
808
812
816
881
885
889
893
897
961
966
970
974
979
1121
1126
1132
1137
1142
1281
1287
1293
1299
1305
145000
146000
147000
148000
149000
150000
778
782
785
789
792
796
819
823
827
830
834
838
901
905
909
914
918
922
983
988
992
997
1001
1005
1147
1152
1158
1163
1168
1173
1311
1317
1323
1329
1335
1341
0 - 25
26 - 39
UP TO 16 MPH
1
3
16 - 30 MPH
2
4
31 - 45 MPH
5
6
46 MPH & OVER
7
7
1
2
NO AUXILIARY POWER
LIABILITY PREMIUMS
RATE
GROUP
Page 26
$100,000
$300,000
$500,000
$1,000,000
1
24
31
34
43
2
26
36
39
49
3
34
45
50
62
4
53
71
78
97
5
65
88
97
120
6
76
101
113
139
7
95
123
138
171
TRAILERS
DEDUCTIBLE
$250
Rev 1.0 (05/97)
$ 15. PER $1000
DMIC
SAILBOATS
LIMIT
1000
2000
3000
4000
AGE
0-1
46
52
58
64
AGE
2-5
49
55
61
68
AGE
6 - 10
54
61
68
75
AGE
11 - 15
59
66
74
81
AGE
16 - 20
68
77
86
95
AGE
21 +
LIMIT
78
88
98
109
5000
6000
7000
8000
9000
70
77
83
89
95
74
81
87
93
100
82
89
96
103
110
89
97
104
112
120
104
113
122
131
139
119
129
139
149
159
10000
11000
12000
13000
14000
101
107
112
118
124
106
112
118
124
131
117
123
130
137
144
127
135
142
149
157
148
157
166
174
183
170
179
189
199
209
15000
16000
17000
18000
19000
130
136
142
147
153
137
143
149
155
161
150
157
164
171
177
164
171
179
186
194
191
200
209
217
226
219
229
238
248
258
20000
21000
22000
23000
24000
159
165
170
175
180
167
173
179
184
189
184
191
197
202
208
201
208
214
221
227
234
243
250
258
265
268
277
286
294
303
25000
26000
27000
28000
29000
185
190
195
200
205
195
200
205
211
216
214
220
226
232
237
234
240
246
253
259
272
280
287
295
302
311
320
328
337
345
30000
31000
32000
33000
34000
210
215
221
226
232
221
227
233
238
244
243
250
256
262
268
265
272
279
286
293
310
318
326
334
342
354
363
372
381
390
35000
36000
37000
38000
39000
237
243
248
254
259
250
255
261
267
273
275
281
287
294
300
300
307
313
320
327
350
358
366
374
382
400
409
418
427
436
40000
41000
42000
43000
44000
264
270
275
280
285
278
284
289
295
300
306
312
318
324
330
334
341
347
354
360
390
397
405
413
421
445
454
463
472
481
45000
46000
47000
48000
49000
291
296
301
306
312
306
311
317
322
328
337
343
349
355
361
367
374
380
387
394
428
436
444
451
459
489
498
507
516
525
Rev 1.0 (5/97)
SAILBOATS
TERRITORY 5
INLAND WATERS
Page 27
TERRITORY 5
INLAND WATERS
50000
51000
52000
53000
54000
AGE
0-1
317
322
327
332
337
AGE
2-5
333
339
344
349
355
AGE
6 - 10
367
373
378
384
390
AGE
11 - 15
400
407
413
419
426
AGE
16 - 20
467
474
482
489
497
AGE
21 +
534
542
551
559
567
55000
56000
57000
58000
59000
342
347
352
357
362
360
365
371
376
381
396
402
408
413
419
432
438
445
451
457
504
511
519
526
534
576
584
593
601
610
60000
61000
62000
63000
64000
367
372
377
382
386
386
392
397
402
407
425
431
436
442
448
464
470
476
482
488
541
548
555
562
570
618
626
635
643
651
65000
66000
67000
68000
69000
391
396
401
406
411
412
417
422
427
432
453
459
464
470
475
494
500
507
513
519
577
584
591
598
605
659
667
675
683
692
70000
71000
72000
73000
74000
415
420
425
429
434
437
442
447
452
457
481
486
492
497
503
525
531
537
542
548
612
619
626
633
640
700
708
715
723
731
75000
76000
77000
78000
79000
439
443
448
453
457
462
467
471
476
481
508
513
519
524
529
554
560
566
572
577
646
653
660
667
674
739
747
754
762
770
80000
81000
82000
83000
84000
462
466
471
475
480
486
491
495
500
505
535
540
545
550
555
583
589
595
600
606
681
687
694
700
707
778
785
793
800
808
85000
86000
87000
88000
89000
484
488
493
497
502
509
514
519
523
528
560
566
571
576
581
611
617
623
628
634
713
720
726
733
739
815
823
830
837
845
90000
91000
92000
93000
94000
506
510
515
519
523
533
537
542
546
551
586
591
596
601
606
639
645
650
655
661
746
752
758
765
771
852
860
867
874
881
95000
96000
97000
98000
99000
527
531
536
540
544
555
559
564
568
573
611
615
620
625
630
666
671
677
682
687
777
783
789
796
802
888
895
902
909
917
DMIC
SAILBOATS
LIMIT
TERRITORY 5
INLAND WATERS
100000
101000
102000
103000
104000
AGE
0-1
548
552
556
560
565
AGE
2-5
577
582
586
590
594
AGE
6 - 10
635
640
644
649
654
AGE
11 - 15
693
698
703
708
713
AGE
16 - 20
808
814
820
826
832
AGE
21 +
924
930
937
944
951
105000
106000
107000
108000
109000
569
573
577
581
585
598
603
607
611
615
658
663
668
672
677
718
723
728
733
739
838
844
850
856
862
958
964
971
978
985
110000
111000
112000
113000
114000
589
593
596
600
604
620
624
628
632
636
682
686
690
695
699
744
748
753
758
763
868
873
879
884
890
991
998
1004
1011
1017
115000
116000
117000
118000
119000
608
612
615
619
623
640
644
648
652
656
704
708
713
717
722
768
773
777
782
787
896
901
907
913
918
1024
1030
1037
1043
1049
120000
121000
122000
123000
124000
627
631
634
638
641
660
664
668
671
675
726
730
734
739
743
792
797
801
806
810
924
929
935
940
945
1056
1062
1068
1074
1080
125000
126000
127000
128000
129000
645
649
652
656
660
679
683
687
690
694
747
751
755
760
764
815
819
824
829
833
951
956
961
967
972
1086
1093
1099
1105
1111
130000
131000
132000
133000
134000
663
667
670
673
677
698
702
705
709
713
768
772
776
780
784
838
842
846
851
855
977
982
987
992
998
1117
1123
1129
1134
1140
135000
136000
137000
138000
139000
680
684
687
691
694
716
720
723
727
731
788
792
796
800
804
859
864
868
872
877
1003
1008
1013
1018
1023
1146
1152
1157
1163
1169
140000
141000
142000
143000
144000
697
701
704
707
710
734
738
741
744
748
808
811
815
819
822
881
885
889
893
897
1028
1033
1037
1042
1047
1175
1180
1185
1191
1196
145000
146000
147000
148000
149000
150000
714
717
720
723
726
730
751
754
758
761
765
768
826
830
834
837
841
845
901
905
909
914
918
922
1052
1056
1061
1066
1071
1075
1202
1207
1213
1218
1223
1229
Rev 1.0 (5/97)
Page 28
DEDUCTIBLE
FACTOR
INCLUDED
.90
.80
.70
MAXIMUM
LENGTH IN FEET
SPEED
0 - 25
26 - 39
UP TO 16 MPH
1
3
16 - 30 MPH
2
4
31 - 45 MPH
5
6
46 MPH & OVER
7
7
1
2
NO AUXILIARY POWER
LIABILITY PREMIUMS
RATE
GROUP
$100,000
$300,000
$500,000
$1,000,000
1
24
31
34
43
2
26
36
39
49
3
34
45
50
62
4
53
71
78
97
5
65
88
97
120
6
76
101
113
139
7
95
123
138
171
TRAILERS
DEDUCTIBLE
$250
$ 15. PER $1000
MEDICAL PAYMENTS
INCREASED LIMITS
EACH ADD'L $1000
$3.00
INCREASED LIMITS
EACH ADD'L $100
$1.50
DMIC
BOATOWNERS MANUAL
PREMIUMS
RULES 5 - Deductibles
5.1
5.2
Deductible - Boat, Motors and Additional Property Coverages
Deductible
Factor
1 % Min $ 100
1.00
2 % Min $ 250
0.90
3 % Min $ 500
0.80
4 % Min $ 1,00
0.70
Deductible
Factor
$250
1.00
Trailer Deductible
Rev 1.0 (5/97)
Page 30
DMIC
BOATOWNERS MANUAL
PREMIUMS
Rule 6 - Premium Modifications
6.1
Age of Boat
Age of Boat
NOTE:
Factors are already included in the base premium
pages.
6.2
6.3
Navigation Period
Navigation Period
Factor
Extended
1.35
Limited
100
Other Premium Modifications
Risk Variations
Successful completion of one or more courses sponsored by the
United States Power Squadron or the United States Coast Guard
Auxiliary
Fire and smoke alarm systems
Built-in fire extinguishing system (carbon dioxide or halon)
Ship-to-shore radio
Depth sounder/finder
Radar
Diesel powered
Fume or vapor detection system
Trailer ball locking device
Theft prevention device
Rev 1.0 (5/97)
Page 31
Credits
5.0%
for each course
2.5%
5.0%
2.5%
2.5%
2.5%
10.0%
2.5%
2.5%
2.5%
DMIC
BOATOWNERS MANUAL
PREMIUMS
Rule 7 - Coverage Options
7.1
Miscellaneous Property - Increased Limit
Note: $1500 Automatic in Form
$ 1.50 for each additional $100 of insurance
7.2
Emergency Service - Expanded Coverage
Rev 1.0 (5/97)
Note: $50 Automatic in Form
Amount of Insurance
Charge
$50
Included
100
$2
250
$4
500
$7
Page 32
DMIC
WATERCRAFT PROGRAM
POLICY FORMS
INSURING AGREEMENT
BT-100
ED. 1.0
BOATOWNERS SPECIAL FORM
MANDATORY FORMS
GL-5NY
ED. 2.0
ADDITIONAL POLICY CONDITIONS - NEW YORK
(New York Cancellation and Renewal Provsions)
BT-134
ED. 2.0
AMENDMENT OF POLICY TERMS-NEW YORK
(Notice of Loss wording revision)
GL-184
ED. 1.0
PUNITIVE DAMAGES EXCLUSION
BT-7
ED. 1.0
EMERGENCY SERVICE
(Provides the $50 of coverage included within the policy form)
OTHER FORMS
BT-1
ED. 1.0
CHANGE ENDORSEMENT
BT-5
ED. 1.0
LOSS PAYEE
BT-6
ED. 1.0
ADDITIONAL INTERESTS
Rev 1.0 (5/97)
Page 33
DMIC

Watercraft Program

Transcription

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