Commercial Automobile Insurance Manual - Commauto

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Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual (RULE 26) DRIVE OTHER CAR COVERAGE Premium Per Coverage Bodily Injury Liability Property Damage Liability Medical Payments Comprehensive Collision Limits 20/40 5,000 500 1,000 2,000 3,000 4,000 5,000 500 Ded. 500 Ded. Named Individual 63 17 14 15 17 18 19 20 12 39 For protection against Uninsured or Underinsured Motorists Coverage, charge the Private Passenger Type rates. (RULE 27) NON-OWNERSHIP LIABILITY Premium Development 1. All risks other than social service agency risks as defined in the Public Transportation Section. a. Determine the total number of employees of the insured at all locations and select the advance premium from the following table: Class Code 66010 66020 66030 66040 66050 Total Number of Employees 0-25 26-100 101-500 501-1,000 over 1,000 Bodily Injury Limits 20/40 36 90 298 563 874 Property Damage Limit 5,000 9 35 110 213 312 b. To extend Non-Ownership Liability Coverage to cover the individual liability of employees, compute the additional premium by multiplying the premium determined in paragraph 1.a. above by .25. 2. Social Service Agency Risks a. Determine the advance premium based on the number of employees in accordance with paragraph 1.a. above. b. Charge an additional premium determined as follows: Determine the total number of volunteers at all locations and charge 1 per volunteer for Bodily Injury Liability and 1 per volunteer for Property Damage Liability at basic limits. The minimum premium shall be 36 for Bodily Injury and 9 for Property Damage Liability at basic limits. c. To extend Non-Ownership Coverage to cover the individual liability of agency employees, charge the additional premium determined in accordance with 1.b. above. Last revision date: 2/1/18 Page: R-1 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual (RULE 27) NON-OWNERSHIP LIABILITY (Continued) d. To extend coverage to cover the blanket individual liability of volunteers, charge an additional premium of .50 per volunteer for Bodily Injury Liability and .50 per volunteer for Property Damage Liability at basic limits. The minimum premium shall be 10 for Bodily Injury Liability and 2 for Property Damage Liability at basic limits. 3. For policies providing Non-Ownership Liability Coverage only, Hired Automobile Coverage only, or Non-Ownership Liability and Hired Automobile Coverage only, a minimum premium of 95 for Bodily Injury Liability and 44 for Property Damage Liability at basic limits applies. (RULE 28) HIRED AUTOMOBILES A. Excess Coverage Premium Development 1. Estimate the total cost for the hire of automobiles for each state where the insured does business. Do not include charges for services performed by common or contract carriers subject to the insurance requirement of any public authority regulating motor carriers. 2. To compute the advance premium, multiply the cost of hire rate times each 100 cost of hire. 3. Unless there is substantial change in exposures during the policy period, the advance premium is the earned premium. 4. The minimum premium shall be 36 Bodily Injury Liability basic limits and 9 Property Damage Liability basic limit. 5. For policies providing Hired Automobile Coverage only, Non-Ownership Liability Coverage only, or Hired Automobile and Non-Ownership Coverages only, a minimum premium of 95 for Bodily Injury Liability and 44 for Property Damage Liability at basic limits applies. Hired Automobile Bodily Property Damage 5,000 Injury 20,000/40,000 0.69 0.55 B. Primary Coverage 1. If the insured is providing the primary insurance covering the auto and the term of the lease is: a. 6 months or more (1) Rate as though owned by the insured; and (2) If the policy is extended to cover the owner of the auto as an additional insured, multiply the otherwise applicable Bodily Injury Liability and Property Damage Liability rates by 1.04. Use the appropriate endorsement for including the owner or lessor as an additional insured. Last revision date: 2/1/18 Page: R-2 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual (RULE 33) RENTAL REIMBURSEMENT COVERAGE CODE 083 Premium Development The rate per 100 of liability amount is 13.18. Compute the premium as follows: 1. 2. 3. 4. the number of automobiles, multiplied by the agreed maximum amount of Rental Reimbursement for each day, multiplied by the maximum number of days, multiplied by the rate per 100 of the liability amount. Example: 5 automobiles 15 per day reimbursement limit 30 days coverage Rental Reimbursement limit 13.18 rate per 100 of the liability amount 5 x 15 x 30 2,250 (liability amount) 2,250 x 13.18 per 100 296.55 (RULE 45) AUDIO, VISUAL, AND ELECTRONIC EQUIPMENT The charge for this coverage is 9.00 per 100 of valuation. Last revision date: 2/1/18 Page: R-3 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual TRUCKS, TRACTORS, TRAILERS Rating Procedures COMPULSORY BODILY INJURY LIABILITY (Coverage A-1) Refer to rate pages. PERSONAL INJURY PROTECTION (Coverage A-2) Refer to rate pages. OPTIONAL BODILY INJURY LIABILITY (Coverage B) Basic Limits Refer to rate pages. Increased Limits Rates for many common limits are displayed on the rate pages. For other limits, apply the following formula: (B, incr) ([(A-1) (B, basic)] x ILF - [(A-1)]) where B, incr A-1 B, basic ILF denotes the Optional Bodily Injury Liability rate, denotes the Compulsory Bodily Injury rate, denotes the basic limits (20/40) Optional Bodily Injury Liability rate, denotes the appropriate Increased Limits Factor. PROTECTION AGAINST UNINSURED AND UNDERINSURED MOTORISTS (Coverages U1 & U2) Refer to rate pages. PROPERTY DAMAGE LIABILITY (Coverage C) Basic Limits Refer to rate pages. Increased Limits Rates for many common limits are displayed on the rate pages. For other limits, apply the appropriate Increased Limits Factor to the basic limits rate shown on the rate pages. MEDICAL PAYMENTS (Coverage D) Refer to rate pages. Last revision date: 11/1/09 Page: R-4 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual TRUCKS, TRACTORS, TRAILERS Rating Procedures (Continued) COLLISION Collision Deductibles: 300, 500, 1000, 2000, 3000, 4000, 5000 Refer to rate pages. Collision Waiver of Deductible Charges Refer to rate pages. LIMITED COLLISION Limited Collision Deductible: 300 Deductible or higher Refer to rate pages. Limited Collision Deductible: 0 Deductible Refer to rate pages. OTHER THAN COLLISION Comprehensive Fire, Theft and CAC Deductibles: 300, 500 Refer to rate pages. Comprehensive Deductibles: 1000, 2000, 3000, 4000, 5000 Refer to rate pages. Specific Perils Refer to rate pages. Other Than Collision Stated Amount Rating Refer to Rule 42. Other Than Collision 100 Glass Deductible Premiums Charge 89% of the otherwise determined premium that would apply in the absence of a glass deductible. Last revision date: 2/1/18 Page: R-5 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual FLEET PRIMARY CLASSIFICATIONS RATING FACTORS AND STATISTICAL CODES RADIUS CLASS BUSINESS USE CLASS SIZE CLASS Local Up to 50 Miles Intermediate 51-200 Miles Long Distance Over 200 Miles Factor Code Factor Code Factor Code BI & PD 1.00 014-1.40 024-1.60 034-- OTC & Coll 1.00 014-1.15 024-1.15 034-- BI & PD 1.10 015-1.55 025-1.45 035-- OTC & Coll 1.15 015-1.40 025-1.25 035-- Factor Code Factor Code Factor Code 1.10 214-1.55 224-1.60 234-- .75 214-.90 224-.95 234-- 1.10 215-2.60 225-2.20 235-- 1.05 215-1.05 225-1.00 235-- ZONE RATED .95 .95 216-216-.95 .95 226-226-.95 .95 236-236-- Factor Code Factor Code Factor Code .90 314-1.50 324-1.60 334-- .60 314-.90 324-.80 334-- 1.35 315-2.20 325-2.20 335-- .70 315-1.20 325-1.30 335-- 1.00 316-1.00 326-1.00 336-- 1.00 316-1.00 326-1.00 336-- Factor Code 1.75 404-- .90 404-- 2.60 405-- 1.45 405-- 1.10 406-- 1.10 406-- Factor Code Factor Code Factor Code 1.00 344-1.80 354-1.80 364-- .85 344-1.15 354-1.00 364-- 1.50 345-2.80 355-2.30 365-- .95 345-1.40 355-1.15 365-- 1.00 346-1.00 356-1.00 366-- 1.00 346-1.00 356-1.00 366-- Factor Code 2.20 504-- 1.55 504-- 2.95 505-- 1.35 505-- 1.10 506-- 1.10 506-- Semitrailers Factor Code .10 674-- .65 674-- .15 675-- .80 675-- .15 676-- 1.00 676-- Trailers Factor Code .10 684-- .50 684-- .15 685-- .65 685-- .15 686-- 1.00 686-- Service or Utility Trailers (0-2,000 lbs. Load Capacity) Factor Code 0 694-- .30 694-- 0 695-- .50 695-- 0 696-- 1.00 696-- Service Light Trucks (0-10,000 lbs. GVW) Retail Commercial Service Medium Trucks (10,00120,000 lbs. GVW) Retail Commercial Service Heavy Trucks (20,00145,000 lbs. GVW) Retail Commercial Extra-Heavy Trucks (Over 45,000 lbs. GVW) Heavy TruckTractors (0-45,000 lbs. GCW) Service Retail Commercial Extra-Heavy Truck-Tractors (Over 45,000 lbs. GCW) BI & PD 1.30 016-1.80 026-2.10 036-- OTC & Coll 1.20 016-1.45 026-1.50 036-- TRAILER TYPES Last revision date: 4/1/13 Page: R-6 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual NON-FLEET PRIMARY CLASSIFICATIONS RATING FACTORS AND STATISTICAL CODES RADIUS CLASS BUSINESS USE CLASS SIZE CLASS Local Up to 50 Miles Intermediate 51-200 Miles Long Distance Over 200 Miles Factor Code Factor Code Factor Code BI & PD 1.00 011-1.40 021-1.60 031-- OTC & Coll 1.00 011-1.15 021-1.15 031-- BI & PD 1.10 012-1.55 022-1.45 032-- OTC & Coll 1.15 012-1.40 022-1.25 032-- Factor Code Factor Code Factor Code 1.10 211-1.55 221-1.60 231-- .75 211-.90 221-.95 231-- 1.10 212-2.60 222-2.20 232-- 1.05 212-1.05 222-1.00 232-- ZONE RATED .95 .95 213-213-.95 .95 223-223-.95 .95 233-233-- Factor Code Factor Code Factor Code .90 311-1.50 321-1.60 331-- .60 311-.90 321-.80 331-- 1.35 312-2.20 322-2.20 332-- .70 312-1.20 322-1.30 332-- 1.00 313-1.00 323-1.00 333-- 1.00 313-1.00 323-1.00 333-- Factor Code 1.75 401-- .90 401-- 2.60 402-- 1.45 402-- 1.10 403-- 1.10 403-- Factor Code Factor Code Factor Code 1.00 341-1.80 351-1.80 361-- .85 341-1.15 351-1.00 361-- 1.50 342-2.80 352-2.30 362-- .95 342-1.40 352-1.15 362-- 1.00 343-1.00 353-1.00 363-- 1.00 343-1.00 353-1.00 363-- Factor Code 2.20 501-- 1.55 501-- 2.95 502-- 1.35 502-- 1.10 503-- 1.10 503-- Semitrailers Factor Code .10 671-- .65 671-- .15 672-- .80 672-- .15 673-- 1.00 673-- Trailers Factor Code .10 681-- .50 681-- .15 682-- .65 682-- .15 683-- 1.00 683-- Service or Utility Trailers (0-2,000 lbs. Load Capacity) Factor Code 0 691-- .30 691-- 0 692-- .50 692-- 0 693-- 1.00 693-- Service Light Trucks (0-10,000 lbs. GVW) Retail Commercial Service Medium Trucks (10,00120,000 lbs. GVW) Retail Commercial Service Heavy Trucks (20,00145,000 lbs. GVW) Retail Commercial Extra-Heavy Trucks (Over 45,000 lbs. GVW) Heavy TruckTractors (0-45,000 lbs. GCW) Service Retail Commercial Extra-Heavy Truck-Tractors (Over 45,000 lbs. GCW) BI & PD 1.30 013-1.80 023-2.10 033-- OTC & Coll 1.20 013-1.45 023-1.50 033-- TRAILER TYPES Last revision date: 4/1/13 Page: R-7 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual Secondary Classification - Special Industry Class. 1. These classification and codes, but not the rating factors, apply to zone rated automobiles. 2. Where more than one secondary rating factor applies, classify the risk using the secondary classification with the largest secondary adjustment unless 80% or more of the use is in a single secondary classification with a lower secondary adjustment. In that case, classify the risk using the secondary classification associated with the smaller adjustment. Secondary Factor to be combined with Primary Factor CLASSIFICATION Manufacturers Automobiles used to transport raw materials and finished or unfinished goods manufactured, processed or constructed by the insured, except food manufacturers. Trailer Types, Light Trucks and Zone Rated Automobiles All Other Automobiles Code to be inserted in 4th and 5th Digit of Classification Code a. Chemical Manufacturers - Those insureds manufacturing flammable, explosive, corrosive or poisonous chemicals. 0.00 -0.10 11 b. Furniture Manufacturers - Those insureds manufacturing household or office furniture and heavy appliances such as refrigerators, stoves and televisions. 0.00 -0.10 12 c. Garment Manufacturers - Those insureds in the wholesale manufacturing of outer garments, such as dresses, coats and suits. 0.00 -0.10 13 d. Machinery Manufacturers - Those insureds manufacturing machinery used for industrial purposes. 0.00 -0.10 14 e. Metal Manufacturers - Those insureds manufacturing metal products for industrial or construction utilization, other than structural iron or steel. 0.00 -0.10 15 f. Structural Iron or Steel Manufacturers. 0.00 -0.10 16 g. All Other Manufacturers Not Otherwise Classified. 0.00 -0.10 19 Last revision date: 9/1/14 Page: R-8 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual Secondary Factor to be combined with Primary Factor CLASSIFICATION Truckers Automobiles used to haul or transport goods, materials or commodities for another, other than automobiles used in moving operations. Trailer Types, Light Trucks and Zone Rated Automobiles All Other Automobiles Code to be inserted in 4th and 5th Digit of Classification Code a. Common Carriers Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 21 21 21 b. Contract Carriers (Other than Chemical, Iron and Steel or Petroleum Haulers) Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 22 22 22 c. Contract Carriers Hauling Chemicals Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 23 23 23 d. Contract Carriers Hauling Iron and Steel Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 24 24 24 e. Contract Carriers Hauling Petroleum or Petroleum Products Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 27 27 27 f. Exempt Carriers (Other Than Livestock Haulers) Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 25 25 25 g. Exempt Carriers Hauling Livestock Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 26 26 26 h. All Other Local Intermediate Long Distance 0.00 0.00 0.00 0.65 0.65 0.00 29 29 29 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.50 0.50 31 32 33 34 35 39 Food Delivery Automobiles used by food manufacturers to transport raw and finished products or used in wholesale distribution of food. a. b. c. d. e. f. Canneries and Packing Plants Fish and Seafood Frozen Food Fruit and Vegetable Meat or Poultry All Other Last revision date: 11/1/09 Page: R-9 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual Secondary Factor to be combined with Primary Factor CLASSIFICATION Specialized Delivery Automobiles used in deliveries subject to time and similar constraints. a. b. c. d. e. Armored Cars Film Delivery Magazines or Newspapers Mail and Parcel Post All Other Trailer Types, Light Service Trucks and Zone Rated Automobiles All Other Automobiles Code to be inserted in 4th and 5th Digit of Classification Code 0.00 0.00 0.00 0.00 0.00 0.40 0.40 0.40 0.40 0.40 41 42 43 44 49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 51 52 53 54 59 Trailer Types and Zone Rated Automobiles All Other Automobiles Code to be inserted in 4th and 5th Digit of Classification Code 0.00 -0.50 61 0.00 0.00 -0.50 -0.50 62 69 Waste Disposal Automobiles transporting salvage and waste material for disposal or resale. a. Automobile Dismantlers b. Building Wrecking Operators c. Garbage d. Junk Dealers e. All Other Farmers Automobiles owned by a farmer, used in connection with the operation of his own farm occasionally used to haul commodities for other farmers. a. b. c. Individually Owned or Family Corp. (Other Than Livestock Hauling) Livestock Hauling All Other Last revision date: 11/1/09 Page: R-10 Print date: 2/1/18

Commonwealth Automobile Reinsurers Commercial Automobile Insurance Manual Secondary Factor to be combined with Primary Factor CLASSIFICATION Dump and Transit Mix Trucks and Trailers (Use these factors and codes only when no other secondary classification applies.) a. b. c. d. e. Excavating Sand and Gravel (Other Than Quarrying) Mining Quarrying All Other Trailer Types, Light Service Trucks and Zone Rated Automobiles All Other Automobiles Code to be inserted in 4th and 5th Digit of Classification Code 0.00 0.00 -0.20 -0.20 71 72 0.00 0.00 0.00 -0.20 -0.20 -0.20 73 74 79 All Automobiles Contractors (Other Than Dump Trucks) a. b. c. d. e. f. Building - Commercial Building - Private Dwellings Electrical, Plumbing, Masonry, Plastering and Other Repair or Service Excavating Street and Road All Other 0.00 0.00 0.00 81 82 83 0.00 0.00 0.00 84 85 89 0.00 0.00 91 92 0.00 99 Not Otherwise Specified a. b. c. Logging and Lumbering Petroleum Business - automobiles used to transport petroleum and petroleum products such as gasoline and fuel oil. All Other Last revision date: 11/1/09 Page: R-11 Print date: 2/1/18

R-12 C.A.R. 2/1/2018 COMMONWEALTH AUTOMOBILE REINSURERS Massachusetts Commercial Automobile TRUCKS, TRACTORS, & TRAILERS Liability Rates - Light and Medium Trucks FLEET COVERAGE A-1 Territory 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 997 997 997 997 997 997 997 997 997 997 319 376 377 416 420 460 521 535 606 655 A-2 71 71 71 71 71 71 71 71 71 71 23 27 27 30 30 33 37 38 43 47 20/40 126 126 126 126 126 126 126 126 126 126 40 47 48 53 53 58 66 68 76 83 20/50 171 171 171 171 171 171 171 171 171 171 54 64 65 72 72 79 89 92 103 113 25/50 272 272 272 272 272 272 272 272 272 272 87 102 103 114 114 125 142 146 165 179 35/80 452 452 452 452 452 452 452 452 452 452 144 170 171 189 190 208 236 243 274 297 50/100 631 631 631 631 631 631 631 631 631 631 202 237 239 264 266 291 330 339 383 415 B 100/300 1002 1002 1002 1002 1002 1002 1002 1002 1002 1002 320 377 380 419 422 462 524 538 608 659 250/500 1496 1496 1496 1496 1496 1496 1496 1496 1496 1496 478 563 567 628 630 690 500/500 1900 1900 1900 1900 1900 1900 1900 1900 1900 1900 607 715 720 797 800 876 782 840 961 1061 993 1066 1220 1348 250/500 1496 1496 1496 1496 1496 1496 1496 1496 1496 1496 478 563 567 625 630 690 782 804 908 983 500/500 1900 1900 1900 1900 1900 1900 1900 1900 1900 1900 607 715 720 794 800 876 993 1021 1154 1249 500/1000 1000/1000 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 614 704 724 830 728 834 803 921 810 928 887 1016 1005 1152 1033 1184 1167 1338 1264 1448 5,000 1172 1172 1172 1172 1172 1172 1172 1172 1172 1172 366 433 436 482 486 534 607 623 706 765 10,000 1524 1524 1524 1524 1524 1524 1524 1524 1524 1524 476 563 567 627 632 694 789 810 918 995 PDL 25,000 1681 1681 1681 1681 1681 1681 1681 1681 1681 1681 525 621 625 691 697 766 870 893 1012 1097 50,000 1716 1716 1716 1716 1716 1716 1716 1716 1716 1716 536 634 638 706 712 782 889 912 1034 1120 100,000 1729 1729 1729 1729 1729 1729 1729 1729 1729 1729 540 639 643 711 717 788 895 919 1041 1128 500,000 1743 1743 1743 1743 1743 1743 1743 1743 1743 1743 544 644 648 717 723 794 903 926 1050 1138 500/1000 1000/1000 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 614 704 724 830 728 834 807 924 810 928 887 1016 5,000 1172 1172 1172 1172 1172 1172 1172 1172 1172 1172 366 433 436 484 486 534 10,000 1524 1524 1524 1524 1524 1524 1524 1524 1524 1524 476 563 567 629 632 694 PDL 25,000 1681 1681 1681 1681 1681 1681 1681 1681 1681 1681 525 621 625 694 697 766 50,000 1716 1716 1716 1716 1716 1716 1716 1716 1716 1716 536 634 638 709 712 782 100,000 1729 1729 1729 1729 1729 1729 1729 1729 1729 1729 540 639 643 714 717 788 500,000 1743 1743 1743 1743 1743 1743 1743 1743 1743 1743 544 644 648 720 723 794 607 652 748 828 789 848 972 1076 870 935 1073 1187 889 955 1095 1212 895 962 1103 1221 903 970 1112 1231 NON - FLEET COVERAGE A-1 A-2 Territory 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 997 997 997 997 997 997 997 997 997 997 319 376 377 418 420 460 71 71 71 71 71 71 71 71 71 71 23 27 27 30 30 33 17 18 19 20 521 559 640 708 37 40 46 51 20/40 126 126 126 126 126 126 126 126 126 126 40 47 48 53 53 58 20/50 171 171 171 171 171 171 171 171 171 171 54 64 65 72 72 79 25/50 272 272 272 272 272 272 272 272 272 272 87 102 103 114 114 125 35/80 452 452 452 452 452 452 452 452 452 452 144 170 171 190 190 208 50/100 631 631 631 631 631 631 631 631 631 631 202 237 239 265 266 291 B 100/300 1002 1002 1002 1002 1002 1002 1002 1002 1002 1002 320 377 380 420 422 462 66 71 81 89 89 96 110 121 142 153 175 193 236 254 290 320 330 355 405 448 524 562 643 711 1005 1079 1235 1364 1152 1237 1415 1563 All Territories Medical Payments 5000 10000 25 27 Limit U-1 Uninsured 20/40 20/50 25/50 35/80 50/100 100/300 250/500 500/500 5 6 7 8 9 10 11 15 U-2 Underinsured 0 0 0 4 8 25 92 249

R-13 C.A.R. 2/1/2018 COMMONWEALTH AUTOMOBILE REINSURERS Massachusetts Commercial Automobile TRUCKS, TRACTORS, & TRAILERS Liability Rates - Heavy Trucks and Heavy Truck Tractors FLEET COVERAGE A-1 Territory 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 997 997 997 997 997 997 997 997 997 997 319 376 377 416 420 460 521 535 606 655 A-2 71 71 71 71 71 71 71 71 71 71 23 27 27 30 30 33 37 38 43 47 20/40 126 126 126 126 126 126 126 126 126 126 40 47 48 53 53 58 66 68 76 83 20/50 171 171 171 171 171 171 171 171 171 171 54 64 65 72 72 79 89 92 103 113 25/50 272 272 272 272 272 272 272 272 272 272 87 102 103 114 114 125 142 146 165 179 35/80 452 452 452 452 452 452 452 452 452 452 144 170 171 189 190 208 236 243 274 297 50/100 631 631 631 631 631 631 631 631 631 631 202 237 239 264 266 291 330 339 383 415 B 100/300 1002 1002 1002 1002 1002 1002 1002 1002 1002 1002 320 377 380 419 422 462 524 538 608 659 50/100 631 631 631 631 631 631 631 631 631 631 202 237 239 265 266 291 330 355 405 448 B 100/300 1002 1002 1002 1002 1002 1002 1002 1002 1002 1002 320 377 380 420 422 462 524 562 643 711 250/500 1496 1496 1496 1496 1496 1496 1496 1496 1496 1496 478 563 567 625 630 690 782 804 908 983 500/500 1900 1900 1900 1900 1900 1900 1900 1900 1900 1900 607 715 720 794 800 876 993 1021 1154 1249 500/1000 1000/1000 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 614 704 724 830 728 834 803 921 810 928 887 1016 1005 1152 1033 1184 1167 1338 1264 1448 5,000 1172 1172 1172 1172 1172 1172 1172 1172 1172 1172 366 433 436 482 486 534 607 623 706 765 10,000 1539 1539 1539 1539 1539 1539 1539 1539 1539 1539 481 569 572 633 638 701 797 818 927 1004 PDL 25,000 1759 1759 1759 1759 1759 1759 1759 1759 1759 1759 549 650 654 723 729 802 911 935 1060 1148 50,000 1844 1844 1844 1844 1844 1844 1844 1844 1844 1844 576 681 686 758 764 840 955 980 1111 1203 100,000 1920 1920 1920 1920 1920 1920 1920 1920 1920 1920 600 709 714 790 796 875 994 1020 1156 1253 500,000 2158 2158 2158 2158 2158 2158 2158 2158 2158 2158 674 797 803 887 895 983 1117 1147 1300 1408 500/1000 1000/1000 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 614 704 724 830 728 834 807 924 810 928 887 1016 1005 1152 1079 1237 1235 1415 1364 1563 5,000 1172 1172 1172 1172 1172 1172 1172 1172 1172 1172 366 433 436 484 486 534 607 652 748 828 10,000 1539 1539 1539 1539 1539 1539 1539 1539 1539 1539 481 569 572 635 638 701 797 856 982 1087 PDL 25,000 1759 1759 1759 1759 1759 1759 1759 1759 1759 1759 549 650 654 726 729 802 911 979 1123 1243 50,000 1844 1844 1844 1844 1844 1844 1844 1844 1844 1844 576 681 686 761 764 840 955 1026 1177 1302 100,000 1920 1920 1920 1920 1920 1920 1920 1920 1920 1920 600 709 714 793 796 875 994 1068 1225 1356 500,000 2158 2158 2158 2158 2158 2158 2158 2158 2158 2158 674 797 803 891 895 983 1117 1200 1377 1524 NON - FLEET COVERAGE A-1 Territory 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 997 997 997 997 997 997 997 997 997 997 319 376 377 418 420 460 521 559 640 708 A-2 71 71 71 71 71 71 71 71 71 71 23 27 27 30 30 33 37 40 46 51 20/40 126 126 126 126 126 126 126 126 126 126 40 47 48 53 53 58 66 71 81 89 20/50 171 171 171 171 171 171 171 171 171 171 54 64 65 72 72 79 89 96 110 121 25/50 272 272 272 272 272 272 272 272 272 272 87 102 103 114 114 125 142 153 175 193 35/80 452 452 452 452 452 452 452 452 452 452 144 170 171 190 190 208 236 254 290 320 250/500 1496 1496 1496 1496 1496 1496 1496 1496 1496 1496 478 563 567 628 630 690 782 840 961 1061 500/500 1900 1900 1900 1900 1900 1900 1900 1900 1900 1900 607 715 720 797 800 876 993 1066 1220 1348 All Territories Limit U-1 Uninsured 20/40 20/50 25/50 35/80 50/100 100/300 250/500 500/500 5 6 7 8 9 10 11 15 Medical Payments 5000 10000 25 27 U-2 Underinsured 0 0 0 4 8 25 92 249

R-14 C.A.R. 2/1/2018 COMMONWEALTH AUTOMOBILE REINSURERS Massachusetts Commercial Automobile TRUCKS, TRACTORS, & TRAILERS Liability Rates - Extra Heavy Trucks, Extra-Heavy Truck-Tractors, Trailers, and Semi-Trailers FLEET COVERAGE A-1 Territory 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 997 997 997 997 997 997 997 997 997 997 319 376 377 416 420 460 521 535 606 655 A-2 71 71 71 71 71 71 71 71 71 71 23 27 27 30 30 33 37 38 43 47 20/40 126 126 126 126 126 126 126 126 126 126 40 47 48 53 53 58 66 68 76 83 20/50 171 171 171 171 171 171 171 171 171 171 54 64 65 72 72 79 89 92 103 113 25/50 272 272 272 272 272 272 272 272 272 272 87 102 103 114 114 125 142 146 165 179 35/80 452 452 452 452 452 452 452 452 452 452 144 170 171 189 190 208 236 243 274 297 50/100 631 631 631 631 631 631 631 631 631 631 202 237 239 264 266 291 330 339 383 415 B 100/300 1002 1002 1002 1002 1002 1002 1002 1002 1002 1002 320 377 380 419 422 462 524 538 608 659 50/100 631 631 631 631 631 631 631 631 631 631 202 237 239 265 266 291 330 355 405 448 B 100/300 1002 1002 1002 1002 1002 1002 1002 1002 1002 1002 320 377 380 420 422 462 524 562 643 711 250/500 1496 1496 1496 1496 1496 1496 1496 1496 1496 1496 478 563 567 625 630 690 782 804 908 983 500/500 1900 1900 1900 1900 1900 1900 1900 1900 1900 1900 607 715 720 794 800 876 993 1021 1154 1249 500/1000 1000/1000 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 614 704 724 830 728 834 803 921 810 928 887 1016 1005 1152 1033 1184 1167 1338 1264 1448 5,000 1172 1172 1172 1172 1172 1172 1172 1172 1172 1172 366 433 436 482 486 534 607 623 706 765 10,000 1616 1616 1616 1616 1616 1616 1616 1616 1616 1616 505 597 601 665 670 736 837 859 974 1055 PDL 25,000 1912 1912 1912 1912 1912 1912 1912 1912 1912 1912 597 706 711 786 793 871 990 1016 1151 1248 50,000 2052 2052 2052 2052 2052 2052 2052 2052 2052 2052 641 758 763 844 851 935 1063 1091 1236 1340 100,000 2148 2148 2148 2148 2148 2148 2148 2148 2148 2148 671 794 799 884 891 979 1113 1142 1294 1402 500,000 2276 2276 2276 2276 2276 2276 2276 2276 2276 2276 711 841 847 936 944 1037 1179 1210 1371 1486 500/1000 1000/1000 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 1923 2204 614 704 724 830 728 834 807 924 810 928 887 1016 1005 1152 1079 1237 1235 1415 1364 1563 5,000 1172 1172 1172 1172 1172 1172 1172 1172 1172 1172 366 433 436 484 486 534 607 652 748 828 10,000 1616 1616 1616 1616 1616 1616 1616 1616 1616 1616 505 597 601 667 670 736 837 899 1031 1142 PDL 25,000 1912 1912 1912 1912 1912 1912 1912 1912 1912 1912 597 706 711 789 793 871 990 1063 1220 1350 50,000 2052 2052 2052 2052 2052 2052 2052 2052 2052 2052 641 758 763 847 851 935 1063 1142 1310 1450 100,000 2148 2148 2148 2148 2148 2148 2148 2148 2148 2148 671 794 799 887 891 979 1113 1195 1371 1518 500,000 2276 2276 2276 2276 2276 2276 2276 2276 2276 2276 711 841 847 940 944 1037 1179 1266 1453 1608 NON - FLEET COVERAGE A-1 Territory 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 997 997 997 997 997 997 997 997 997 997 319 376 377 418 420 460 521 559 640 708 A-2 71 71 71 71 71 71 71 71 71 71 23 27 27 30 30 33 37 40 46 51 20/40 126 126 126 126 126 126 126 126 126 126 40 47 48 53 53 58 66 71 81 89 20/50 171 171 171 171 171 171 171 171 171 171 54 64 65 72 72 79 89 96 110 121 25/50 272 272 272 272 272 272 272 272 272 272 87 102 103 114 114 125 142 153 175 193 35/80 452 452 452 452 452 452 452 452 452 452 144 170 171 190 190 208 236 254 290 320 250/500 1496 1496 1496 1496 1496 1496 1496 1496 1496 1496 478 563 567 628 630 690 782 840 961 1061 500/500 1900 1900 1900 1900 1900 1900 1900 1900 1900 1900 607 715 720 797 800 876 993 1066 1220 1348 All Territories Medical Payments 5000 10000 25 27 Limit U-1 Uninsured 20/40 20/50 25/50 35/80 50/100 100/300 250/500 500/500 5 6 7 8 9 10 11 15 U-2 Underinsured 0 0 0 4 8 25 92 249

TRUCKS, TRACTORS, TRAILERS Physical Damage Coverages R-15 C.A.R. 2/1/2018 Territory 1 - FLEET OTHER THAN COLLISION Original Cost (Complete Age Automobile Group New (Code) 1 2,3 4,5 6-9 1 2,3 4,5 6-9 1 2,3 4,5 6-9 1 2,3 4,5 6-9 1 2,3 4,5 6-9 1 2,3 4,5 6-9 1 (Code) 2,3 4,5 6-9 1 2,3 4,5 7 4,501 6,000 6,001 8,000 8,001 10,000 10,001 15,000 15,001 20,000 20,001 25,000 25,001 40,000 40,001 65,000 65,001 90,000 Charge per 1000 over 90,000 6-9 1 2,3 4,5 6-9 1 2,3 4,5 6-9 1 2,3 4,5 6-9 TRUCK-TRACTORS &VEHICLES Cost Chasis & Body) 04,500 COLLISION Original 1 2 3 4 5 6 8 10 11 12 ALL VEHICLES Fire,Theft & CAC TRUCKS Comprehensive USED IN DUMPING OPERATIONS DEDUCTIBLES DEDUCTIBLES 300 99 99 99 82 105 105 105 86 105 105 105 86 142 142 142 113 195 195 195 150 259 259 259 195 279 500 94 94 94 77 100 100 100 81 100 100 100 81 137 137 137 108 189 189 189 145 251 251 251 189 271 300 152 152 152 125 161 161 161 132 161 161 161 132 220 220 220 173 305 305 305 233 404 404 404 304 437 500 147 147 147 120 156 156 156 127 156 156 156 127 214 214 214 168 296 296 296 226 392 392 392 295 424 300 500 479 461 345 521 498 479 356 592 565 541 394 845 801 763 526 1191 1124 1067 707 1881 1769 1673 1068 22

1. If the insured is providing the primary insurance covering the auto and the term of the lease is: a. 6 months or more - (1) Rate as though owned by the insured; and (2) If the policy is extended to cover the owner of the auto as an additional insured, multiply the otherwise applicable Bodily Injury Liability and Property Damage

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