1. A Through G

A   -   Table of Expected Loss Ranges

B   -   Table of Insurance Charges

C   -   Tables of Expense Ratios

D   -   Table of Classifications By Hazard Group

E   -   Tables of Excess Loss Pure Premium Factors

1.    Excess Loss Pure Premium
2.    State Hazard Group Differentials
3.    Excess Loss and Allocated Expense Pure Premium Factors
4.    Retrospective Rating Pure Premium Development Factors

F   -   Table of Excess Loss Factors for Federal Classifications

G   -   Table of Loss Limitations for Ex-Medical Policies

A. TABLE OF EXPECTED LOSS RANGES


 

Expected
Loss
Group
       Range
       Rounded Values
|
|
|
Expected
Loss
Group
       Range
       Rounded Values
|
|
|
Expected
Loss
Group
     Range
     Rounded Values

                           
95 1,069 - 1,668 | 65 89,596 - 96,768 | 35 1,117,459 - 1,254,650
94 1,669 - 2,469 | 64 96,769 - 104,515 | 34 1,254,651 - 1,408,687
93 2,470 - 3,262 | 63 104,516 - 112,881 | 33 1,408,688 - 1,606,329
92 3,263 - 4,312 | 62 112,882 - 121,917 | 32 1,606,330 - 1,846,373
91 4,313 - 5,608 | 61 121,918 - 131,677 | 31 1,846,374 - 2,122,290
                           
90 5,609 - 6,774 | 60 131,678 - 142,246 | 30 2,122,291 - 2,439,441
89 6,775 - 8,175 | 59 142,247 - 153,803 | 29 2,439,442 - 2,899,798
88 8,176 - 9,490 | 58 153,804 - 166,063 | 28 2,899,799 - 3,467,527
87 9,491 - 11,016 | 57 166,064 - 178,922 | 27 3,467,528 - 4,146,414
86 11,017 - 12,778 | 56 178,923 - 192,782 | 26 4,146,415 - 5,111,668
                           
85 12,779 - 14,451 | 55 192,783 - 207,716 | 25 5,111,669 - 6,504,746
84 14,452 - 16,337 | 54 207,717 - 224,594 | 24 6,504,747 - 8,277,480
83 16,338 - 18,450 | 53 224,595 - 242,913 | 23 8,277,481 - 10,577,165
82 18,451 - 20,529 | 52 242,914 - 262,733 | 22 10,577,166 - 13,534,484
81 20,530 - 22,841 | 51 262,734 - 284,159 | 21 13,534,485 - 17,318,654
                           
80 22,842 - 25,410 | 50 284,160 - 306,638 | 20 17,318,655 - 22,160,857
79 25,411 - 28,271 | 49 306,639 - 330,841 | 19 22,160,858 - 28,356,911
78 28,272 - 31,196 | 48 330,842 - 357,128 | 18 28,356,912 - 38,897,361
77 31,197 - 34,345 | 47 357,129 - 388,536 | 17 38,897,362 - 57,528,883
76 34,346 - 37,816 | 46 388,537 - 422,704 | 16 57,528,884 - 85,084,766
                           
75 37,817 - 41,556 | 45 422,705 - 459,879 | 15 85,084,767 - 125,839,689
74 41,557 - 45,495 | 44 459,880 - 502,548 | 14 125,839,690 - 186,115,898
73 45,496 - 49,808 | 43 502,549 - 549,895 | 13 186,115,899 - 275,263,927
72 49,809 - 54,536 | 42 549,896 - 601,708 | 12 275,263,928 - 430,893,183
71 54,537 - 59,530 | 41 601,709 - 663,309 | 11 430,893,184 - 681,845,588
                           
70 59,531 - 64,935 | 40 663,310 - 733,021 | 10 681,845,589 - 1,078,952,801
69 64,936 - 70,826 | 39 733,022 - 810,061 | 9 1,078,952,802 - & over
68 70,827 - 76,791 | 38 810,062 - 895,197 |        
67 76,792 - 82,946 | 37 895,198 - 995,262 |        
66 82,947 - 89,595 | 36 995,263 - 1,117,458 |        

 

B. TABLE OF INSURANCE CHARGES

The Table of Insurance Charges is not contained in this manual, but is on file with the New York State Insurance Department. It is available for use by the Rating Board’s members in accordance with applicable licensing agreements with the National Council on Compensation Insurance.

C. TABLES OF EXPENSE RATIOS

Tables of Expense Ratios, both with and without allocated loss adjustment expense, as well as Premium Discount schedules, are no longer calculated and published by the Rating Board, effective October 1, 2008.

Carriers are responsible for determining their own expense tables and schedules of premium discounts.

D1. TABLE OF CLASSIFICATIONS BY HAZARD GROUP

D2. TABLE OF CLASSIFICATIONS BY HAZARD GROUP

D3. TABLE OF CLASSIFICATIONS BY HAZARD GROUP

D4. TABLE OF CLASSIFICATIONS BY HAZARD GROUP

E1. TABLE OF EXCESS LOSS PURE PREMIUM FACTORS

E2. TABLE OF EXCESS LOSS AND ALLOCATED EXPENSE PURE PREMIUM FACTORS

F. TABLE OF EXCESS LOSS PURE PREMIUM FACTORS FOR FEDERAL COVERAGE

Refer to Rule 1.2.e for appropriate excess loss pure premium factor procedure for federal coverage.

G. TABLE OF LOSS LIMITATIONS FOR EX-MEDICAL POLICIES

 

Eligibility
Total Estimated
Standard Premium
|
|
|
Per Accident Limitation
Full Coverage   Ex-Medical Coverage

        |       |      
  $ 100,000   | $ 25,000   | $ 20,000  
  over 100,000   |   30,000   |   24,000  
  over 100,000   |   35,000   |   28,000  
  over 100,000   |   40,000   |   32,000  
  over 100,000   |   50,000   |   40,000  
    150,000   |   75,000   |   60,000  
    200,000   |   100,000   |   80,000  
    250,000   |   125,000   |   100,000  
    300,000   |   150,000   |   120,000  
    350,000   |   175,000   |   140,000  
    400,000   |   200,000   |   160,000  
    500,000   |   250,000   |   200,000  
    600,000   |   300,000   |   240,000  
    1,000,000   |   500,000   |   400,000  
    1,000,000   |   1,000,000   |   800,000