Other Liability

LINE OF BUSINESS:	Other Liability	LINE(S) OF INSURANCE	CODES
		Claims Made	17.1000
		Occurrence	17.2000
Code:	17.0000	CGL	17.0001
		Completed Operations	17.0002
		All other sublines please type codes
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REVIEW REQUIREMENTS	REFERENCE	DESCRIPTION OF REVIEW STANDARDS REQUIREMENTS
GENERAL REQUIREMENTS FOR ALL FILINGS
COPIES, RETURN ENVELOPES, ETC.	Insurance - Bulletin 238	Bureau of Insurance Bulletin 238 Rate/Rule/Form Filing Procedures
COVER LETTER AND EXPLANATORY MEMORANDUM	Transmittal Documents	Information normally included in a cover letter must be incorporated into the NAIC Uniform Filing Transmittal Form included with the filing
FILING SUBMISSION	Title 24-A §2412. Filing, approval of forms §2304-A. Rate filings	Form filing requirements Rate filing requirements
EFFECTIVE DATE WORDING	Transmittal Documents	Include proposed effective date on NAIC Uniform Filing Transmittal Form included with the filing
FREE CONTRACT PROHIBITED	N/A	N/A
LIMITATIONS/RESTRICTIONS ON TRANSACTING BUSINESS	Title 24-A - §404. Certificate of authority required; enforcement; penalty	Must have certificate of authority to transact business
NAIC #	Transmittal Documents	Include on NAIC Uniform Transmittal Form and include with filing
LINE OF AUTHORITY	§707. "Casualty insurance" defined	Must have certificate of authority to transact business before submitting rate/rule/form filings
NO FILE OR FILING EXEMPTIONS	Title 24-A - §2412-A. Large commercial contracts	Policy forms and rates/rules pertaining to large commercial risks exempt from filing — see statute for criteria and definition of large commercial risk
SIDE BY SIDE COMPARISON	N/A	Helpful for review of rate, rule and form filings but not required
THIRD PARTY FILERS AUTHORITY	§2412. Filing, approval of forms §2304-A. Rate filings Insurance - Bulletin 238	Must include authorization to communicate directly with third party filers
TRANSACTING OTHER BUSINESS	N/A	N/A
FORMS--POLICY PROVISIONS
ACCESS TO COURTS	§2433. Jurisdiction of courts, limitation of actions	Maine Courts have jurisdiction
AGGREGATE LIMITS	N/A	N/A
AMBIGUOUS & MISLEADING	§2413. Grounds for disapproval	Forms shall be disapproved by the superintendent if they contain or incorporate by reference any inconsistent, ambiguous or misleading clauses
APPLICATIONS	Title 24-A §2411 Representations in applications Title 24-A §2412. Filing, approval of forms	All statements are considered representations not warranties.. Must file applications only if to be made part of the filing.
APPRAISALS	N/A	N/A
ARBITRATION	N/A	N/A
ASSESSIBLE POLICIES	N/A	N/A
BANKRUPTCY PROVISIONS	N/A	N/A
BLANK ENDORSEMENTS	N/A	N/A
CANCELLATION & NON-RENEWAL	Title 24-A - §2908. Cancellation and nonrenewal	Maine amendatory endorsement must include statutory grounds for mid-term cancellation — refer to subsection 2 of statute; a post-office certificate of mailing to the named insured at his last known address is conclusive proof of receipt of notice on the 3rd calendar day after mailing
Calculation of Unearned/Return Premium	N/A	N/A
Conditional Renewal	Title 24-A - §2908. Cancellation and nonrenewal	Refer to subsection 4 of statute
Minimum Retained Premium	N/A	N/A
Notice of Cancellation	§2908. Cancellation and nonrenewal Insurance - Bulletin 201	Minimum 10 days advance notice required for cancellation & must allow for 3 days mail time, i.e., proof of mailing is not proof of receipt until the third calendar day after mailing. Also, notice must inform insured of right to request a hearing within 45 days of receipt of notice
Notice of Non-renewal	§2908. Cancellation and nonrenewal	Minimum 30 days advance notice required for nonrenewal & must allow for 3 days mail time, i.e., proof of mailing is not proof of receipt until the third calendar day after mailing
Permissible Reasons for Cancellation	§2908. Cancellation and nonrenewal	See statute for permissible grounds
Permissible Reasons for Non-renewal	N/A	N/A
Required Policy Period	N/A	N/A
CERTIFICATIONS	N/A	N/A
CLAIMS MADE	N/A	N/A
CLEAR & UNAMBIGUOUS LANGUAGE	Title 24-A - §2413. Grounds for disapproval	Forms shall be disapproved by the Superintendent if they contain or incorporate by reference any inconsistent, ambiguous or misleading clauses
CONSUMER INFORMATION	N/A	N/A
Privacy notice	Title 24-A - §2206. Notice of insurance information practices	See Title 24-A, Ch. 24 generally for insurance information and privacy protection.
VSI Warning	N/A	N/A
Notification Form	N/A	N/A
CREDIT SCORING NOTICE	N/A	N/A
CONTENT OF POLICIES	Title 24-A - §2901. Contracts subject to general provisions Title 24-A - Chapter 27, THE INSURANCE CONTRACT Title 24-A - MAINE INSURANCE CODE	Casualty contracts are subject to provisions of Chapter 39 as well as Chapter 27 & other applicable provisions of Title 24-A (The Maine Insurance Code)
COUNTERSIGNATURES	N/A	N/A
DECLARATIONS PAGE	N/A	N/A
DEFENSE WITHIN LIMITS	N/A	N/A
DISCLOSURES	N/A	N/A
DEFINITIONS	N/A	N/A
DISCRIMINATION	§2162. Unfair discrimination, rebates prohibited -- property, casualty, surety insurance	Restrictions on policy provisions relating to benefits not associated with loss and reductions in premium association with savings and expenses
Domestic Abuse	N/A	N/A
DUTY TO DEFEND	N/A	N/A
EMPLOYERS LIABILITY	N/A	N/A
EXCESS COVERAGE	N/A	N/A
EXCLUSIONS & LIMITATIONS	N/A	N/A
Asbestos	N/A	N/A
FICTITIOUS GROUPS	§2172. Fictitious groups prohibited	Prohibited
FORMS MISCELLANEOUS	N/A	N/A
FRAUD WARNING	Title 24-A - §2186. Insurance fraud prevention	Statutory (or substantially similar) wording must be included on all applications and claim forms.
GROUP POLICIES	§2951. Group property and casualty insurance	Permitted for risk retention and risk purchasing groups
LIMITS	N/A	N/A
LOSS PAYEE	N/A	N/A
LOSS SETTLEMENTS	N/A	N/A
Appraisal	N/A	N/A
Action Against Company	Title 24-A §2433 Jurisdiction of courts, limitation of actions	Insured must be given 2 years from date of loss to bring suit against the insurer
After Market Parts	N/A	N/A
Arbitration	N/A	N/A
Deductibles	N/A	N/A
Defense Costs	N/A	N/A
Loss Valuation	N/A	N/A
Notice Requirements	N/A	N/A
Payment of Loss Time Period	Title 24-A §2436. Interest on overdue payments	Payment within thirty days and interest on overdue payments of 1.5% per month.
MEDICAL PAYMENTS	N/A	N/A
OTHER INSURANCE	N/A	N/A
PARTICIPATING POLICIES	N/A	N/A
PERSONAL INJURY PROTECTION	N/A	N/A
PREMIUM AUDIT	N/A	N/A
PRIMARY/UNDERLYING COVERAGE	N/A	N/A
PUNITIVE DAMAGES	N/A	N/A
READABILITY	N/A	N/A
REBATES	§2162. Unfair discrimination, rebates prohibited -- property, casualty, surety insurance Insurance - Bulletin 233	Sales inducements rebates prohibited unless contained in policy
SERVICE CONTRACTS--VEHICLE & OTHER THAN VEHICLE	N/A	N/A
SUBROGATION	§2910-A. Subrogation; medical payments coverage	Policy may not provide for subrogation or priority over an insured for medical payments
Suit	Title 24-A §2433. Jurisdiction of courts, limitation of actions	Maine courts have jurisdiction Insured must be given two years to bring suit against insurer
TIMELINESS	N/A	N/A
VICARIOUS LIABILITY	Title 14 - §304. Liability of parents or legal guardians for damage by children	Parent or legal guardian liable for action of minor children up to $800
VOIDANCE	Title 24-A §2411 Representations in applications	Do not allow insurers to void coverage for concealment, misrepresentation or fraud except in compliance with Maine case law. See American Home Assurance Co. v. Ingeneri, 479 A.2d 897 (Me. 1984).
WARRANTIES	Title 24-A §2411 Representations in applications	Statements in applications must be considered representations not warranties
WORKERS’ COMPENSATION--EXCESS	N/A	N/A
OTHER	N/A	N/A
RATE, RULE, RATING PLAN, CLASSIFICATION, AND TERRITORY FILING REQUIREMENTS
"A" RATED RISKS	N/A	N/A
Individual Risk Rating	N/A	N/A
ACTUARIAL CERTIFICATIONS FOR RATES	N/A	N/A
ADOPTIONS OF RATE SERVICE ORGANIZATIONS (RSO) FILINGS	Title 24-A §2304-B. Reference filings Insurance - Bulletin 176	Insurer may satisfy rate filing requirements by adopting advisory organization filings and filing loss costs multiplier
Loss Costs	Title 24-A §2304-B Reference filings Insurance - Bulletin 176	Insurer may satisfy rate filing requirements by adopting advisory organization filings and filing loss costs multiplier
CONSENT-TO-RATE	Title 24-A §2308. Excess rates	Permitted if rating manual filing previously filed does not contemplate the specific risk being assumed
CREDIT SCORING AND REPORTS	N/A	N/A
CATASTROPHE HAZARDS	Title 24-A §2303. Making of rates Title 24-A - §2304-A. Rate filings	Rate provisions must be supported by experience or relevant catastrophe models.
DEFENSE COSTS	N/A	N/A
DISCOUNTS	Title 24-A §2303. Making of rates Title 24-A §2304-A. Rate filings	Surcharges and credits must be filed and supported
EXPIRATION DATE(S) FOR APPROVED RATES	N/A	N/A
GROUP POLICIES	Title 24-A - §2951. Group property and casualty insurance	Permitted for risk purchasing and risk retention groups
Extra-Territorial Approval Authority	N/A	N/A
LOSS RATIO STANDARDS	N/A	N/A
MID TERM CHANGES	N/A	N/A
LOSS COST MULTIPLIERS	Title 24-A - §2304-B. Reference filings Insurance - Bulletin 176	Insurer may satisfy rate filing requirements by adopting advisory organization filings and filing loss cost multiplier.
PREMIUM REFUND OR RETENTION	N/A	N/A
PRICING	Title 24-A - §2302-A. Definitions Title 24-A §2303. Making of rates Title 24-A §2304-A. Rate filings Title 24-A §2304-B. Reference filings Insurance - Bulletin 176	All aspects of pricing must be filed and supported and/or may adopt advisory organization reference filing and file loss costs multiplier.
Minimum Premium Rules		Considered part of rating plan
Multi-tier		Considered part of rating plan
Payment Plans		Considered part of rating plan
Premiums		Considered part of rating plan
Service Charges		Considered part of rating plan
Surcharges		Considered part of rating plan
Other Fees		Considered part of rating plan.
RATE RANGES	N/A	N/A
RATING PLAN REQUIREMENTS	Title 24-A §2304-A. Rate filings	All aspects of pricing must be filed and supported and/or may adopt advisory organization reference filing and file loss costs multiplier.
Expense Modification Plan		Considered part of rating plan
Experience Rating		Considered part of rating plan
Large Deductible		Considered part of rating plan
Retrospective Rating		Considered part of rating plan
Schedule Rating		Considered part of rating plan
Small Deductible		Considered part of rating plan
Wrap-up Rating		Considered part of rating plan
RATE/LOSS COST SUPPORTING INFORMATION	Title 24-A §2302-A. Definitions Title 24-A §2303. Making of rates Title 24-A §2304-A. Rate filings Title 24-A §2304-B. Reference filings Insurance - Bulletin 176	All aspects of pricing must be filed and supported and/or may adopt advisory organization reference filing and file loss costs multiplier.
Competition	Title 24-A § 2306 Disapproval of filing	May support filing by citing specific competitors filing.
Expenses	Title 24-A §2303. Making of rates	Rate or loss cost multiplier calculation should reflect expenses of insurer
Experience	Title 24-A §2303. Making of rates	Rate or loss cost multiplier calculation should reflect experience of insurer
Judgment	Title 24-A §2303. Making of rates	Rate or loss cost multiplier calculation should reflect judgment of insurer
Credibility and factors trending	Title 24-A §2303. Making of rates	Rate or loss cost multiplier calculation should reflect credibility and trend factors of insurer
Profit Loading	Title 24-A §2303. Making of rates	Rate or loss cost multiplier calculation may reflect profit loading and must include consideration for investment income
RETURN ON EQUITY DOCUMENT-- INVESTMENT INCOME	Title 24-A §2303. Making of rates Title 24-A §2304-A Rate filings	Profit must give consideration to investment income. Manual rates, minimum premium, class rate, rating schedule or rating plan, every other rating rule, and every modification to the foregoing should be filed and supported.
RISK CLASSIFICATION	§2303. Making of rates	Risks may be grouped by classifications for the establishment of rates and minimum premiums
TERRITORIES	N/A	N/A
OTHER	N/A	N/A

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