- RULE I: - GENERAL
- A. WORKERS’ COMPENSATION
- B. STANDARD POLICY
- C. NEW YORK ENDORSEMENTS
- D. REPORTING REQUIREMENTS
- D. REPORTING REQUIREMENTS
- E. PROVISIONS FOR CANCELATIONS, REINSTATEMENTS, AND NOTICE OF INTENTION NOT TO RENEW
- F. POLICY VALIDATION AND NOTICE OF CRITICISM
- G. INCORRECT UNDERWRITING
- H. RESPONSES TO RATING BOARD LETTERS AND CRITICISMS
- I. INQUIRIES
- J. APPEAL PROCESS
- RULE II: - EXPLANATION OF COVERAGE AND METHOD OF INSURING
- A. PART ONE: WORKERS’ COMPENSATION INSURANCE
- B. PART TWO: EMPLOYERS’ LIABILITY INSURANCE
- C. PART THREE: OTHER STATES
- D. VOLUNTARY COMPENSATION INSURANCE
- E. FOREIGN VOLUNTARY COMPENSATION AND EMPLOYERS’ LIABILITY INSURANCE
- F. VOLUNTEER FIREFIGHTERS’ COVERAGE
- G. VOLUNTEER AMBULANCE WORKERS’ COVERAGE
- H. PROFESSIONAL EMPLOYER ORGANIZATION (PEO), CO-EMPLOYMENT
- RULE III: - POLICY PREPARATION - INSURED, POLICY PERIOD AND STATE OF OPERATIONS
- A. EXPLANATION OF TERMS
- B. NAME, ADDRESS, AND OTHER WORKPLACES OF INSURED
- C. POLICY PERIOD
- D. STATE LAWS DESIGNATED IN THE POLICY
- RULE IV: - CLASSIFICATIONS
- A. EXPLANATION OF THE CLASSIFICATION SYSTEM
- B. EXPLANATION OF TYPES OF CLASSIFICATIONS
- C. GOVERNING CLASSIFICATIONS
- D. CLASSIFICATION WORDING
- E. CLASSIFICATION PROCEDURE
- F. PAYROLL ASSIGNMENT: MULTIPLE CLASSIFICATIONS
- G. HOW TO SHOW CLASSIFICATIONS IN ITEM 4. OF THE INFORMATION PAGE
- H. CHANGES OR CORRECTIONS IN CLASSIFICATIONS
- RULE V: - PREMIUM BASIS
- A. BASIS OF PREMIUM: TOTAL REMUNERATION
- B. REMUNERATION
- C. ESTIMATED PAYROLLS
- D. WHOLE DOLLAR: REMUNERATION
- E. OVERTIME
- F. PAYROLL LIMITATION: OTHER THAN CONSTRUCTION CLASSIFICATIONS
- G. PAYROLL LIMITATION: CONSTRUCTION EMPLOYMENT CLASSIFICATIONS
- RULE VI: - RATES AND PREMIUM DETERMINATION
- A. RATES
- B. PREMIUM DETERMINATION
- C. EXPENSE CONSTANT
- D. MINIMUM PREMIUM
- E. STANDARD PREMIUM
- F. DETERMINATION OF PREMIUM DISCOUNT
- G. DEPOSIT PREMIUM
- H. EXPERIENCE RATING MODIFICATIONS
- I. AUDIT OF REMUNERATION AND ADJUSTMENT OF PREMIUM
- J. PREMIUM DETERMINATION FOR CONSTRUCTION EMPLOYMENTS SUBJECT TO RULE V (G)
- K. FEDERAL AND MARITIME INSURANCE
- L. FINAL EARNED PREMIUM DETERMINATION
- M. WRAP-UP CONSTRUCTION PROJECTS
- N. NEW YORK STATE LOSS PREVENTION PROGRAMS: SURCHARGE AND CREDITS
- O. PREMIUM ALGORITHM
- RULE VII: - LIMITS OF LIABILITY
- A. WORKERS’ COMPENSATION AND EMPLOYERS’ LIABILITY POLICY
- A. WORKERS’ COMPENSATION AND EMPLOYERS’ LIABILITY POLICY
- B. EMPLOYERS’ LIABILITY INSURANCE: WITHOUT WORKERS’ COMPENSATION INSURANCE
- C. VOLUNTARY COMPENSATION INSURANCE
- D. FOREIGN VOLUNTARY COMPENSATION AND EMPLOYERS’ LIABILITY INSURANCE
- RULE VIII: - SPECIAL CONDITIONS OR OPERATIONS AFFECTING COVERAGE AND PREMIUM
- A. EXECUTIVE OFFICERS
- B. SOLE PROPRIETORS AND PARTNERS
- C. SUBCONTRACTORS/INDEPENDENT CONTRACTORS
- D. AUXILIARY POLICE
- E. EXCLUSION OF STATUTORY MEDICAL BENEFITS: EXCLUDING MEDICAL COVERAGE
- F. EXCESS COVERAGE FOR MEDICAL PAYMENTS UNDER EXCLUDING MEDICAL POLICIES
- G. ENDORSEMENTS TO BE USED FOR EXCLUSION OR MODIFICATION OF OTHER COVERAGES
- H. DEDUCTIBLE PROGRAM
- I. CONSTRUCTION CLASSIFICATION PREMIUM ADJUSTMENT PROGRAM
- J. LOSS COST TRANSITION PROGRAM
- K. WAIVER OF RIGHT TO RECOVER FROM OTHERS
- L. NEW YORK STATE ASSESSMENT
- M. WORKERS’ COMPENSATION SECURITY FUND SURCHARGE
- N. CATASTROPHE PROVISIONS
- RULE IX: - CANCELATION
- A. WHO MAY CANCEL
- B. CANCELATION PROCEDURES
- C. PREMIUM DETERMINATION: CANCELATION
- D. SHORT RATE CANCELATION EXAMPLES
- E. CANCELATION TABLES
- ALTERNATIVE SHORT RATE CANCELATION TABLE
- PRO RATA CANCELATION TABLE
- RULE X: - THREE-YEAR FIXED RATE POLICY OPTION
- A. EXPLANATION
- B. ELIGIBILITY
- C. DESIGNATION ON THE INFORMATION PAGE
- D. RATES
- E. MINIMUM PREMIUM
- F. DEPOSIT PREMIUM
- G. EARNED PREMIUM
- H. EXPERIENCE RATING PLAN
- I. CANCELATION: PREMIUM DETERMINATION
- RULE XI: - U.S. LONGSHORE AND HARBOR WORKERS’ COMPENSATION ACT
- A. GENERAL EXPLANATION
- B. WORKERS’ COMPENSTION INSURANCE: PART ONE
- C. EMPLOYERS’ LIABILITY INSURANCE: PART TWO
- D. CLASSIFICATIONS AND RATES
- E. EXTENSIONS OF THE USL & HW ACT
- RULE XII: - THE ADMIRALTY LAW AND THE FEDERAL EMPLOYERS’ LIABILITY ACT
- A. ADMIRALTY LAW (Jones Act or Merchant Marine Act of 1920)
- B. FEDERAL EMPLOYERS’ LIABILITY ACT
- EMPLOYERS’ LIABILITY INSURANCE FOR ADMIRALTY OR FELA TABLE FOR INCREASED LIMITS
- RULE XIII: - DOMESTIC WORKERS - RESIDENCES