The MMJUARI is authorized to price its commercial general liability insurance using current ISO classifications, premium bases, loss costs and rules. As the ISO regularly updates and changes these rates and rules, the MMJUARI revises its rates as well.
To assist you in assessing the impact of these corrections for your policyholders, we have attached a table containing the current class codes and definitions, premium bases, loss costs, and territory definitions.
When preparing the online application, please list the appropriate class codes for each of the policyholder’s locations or business activities and include the most recent exposure data. Consistent with the ISO rules, the MMJUA-RI will calculate its general liability premium by multiplying territoryspecific loss costs for the appropriate class code(s) for each of the insured locations by the ISO specified premium base. Although allowed under the ISO rates and rules, the MMJUARI does not currently apply any additional multipliers or discounts to these rates. As in the past, the premium for all commercial general liability policies will be subject to retrospective audit of the policyholder’s records.
Please contact us should you have any questions.
Thank you,
Jerilynn R. Leahy
Executive Director
Description |
Code |
Base |
ILF Table |
ILF |
Base Rate |
||
Territory |
501 |
502 |
503 |
||||
Dental Lab |
12014 |
Per $1,000 gross sales |
2 |
1.44 |
0.152 |
0.146 |
0.126 |
Gift Shop |
13507 |
Per $1,000 gross sales |
1 |
1.31 |
3.39 |
4.38 |
2.46 |
Cafeteria |
16820 |
Per $1,000 gross sales |
1 |
1.31 |
1.37 |
1.32 |
1.14 |
Adult Day Care - For Profit |
40005 |
Per patient |
2 |
1.44 |
16.61 |
10.84 |
9.95 |
Adult Day Care - Not For Profit |
40006 |
Per patient |
2 |
1.44 |
16.61 |
10.84 |
9.95 |
Blood Bank - For Profit |
40101 |
Per 1,000 square feet |
2 |
1.44 |
55.00 |
31.20 |
52.30 |
Blood Bank - Not For Profit |
40102 |
Per 1,000 square feet |
2 |
1.44 |
48.60 |
27.60 |
46.20 |
Day Care Center - For Profit |
41715 |
Per patient |
1 |
1.31 |
25.10 |
19.60 |
14.50 |
Day Care Center - Not For Profit |
41716 |
Per patient |
1 |
1.31 |
16.00 |
12.50 |
9.23 |
Inpt Alcohol & Drug Facility - FP |
44427 |
Per 1,000 square feet |
2 |
1.44 |
199.00 |
113.00 |
189.00 |
Inpt Alcohol & Drug Facility - NFP |
44428 |
Per 1,000 square feet |
2 |
1.44 |
200.00 |
114.00 |
190.00 |
Convalescent / Nursing Home - FP |
44429 |
Per $1,000 gross sales |
2 |
1.44 |
3.00 |
1.70 |
2.85 |
Convalescent / Nursing Home - NFP |
44430 |
Per $1,000 gross sales |
2 |
1.44 |
2.08 |
1.18 |
1.98 |
Home for the Aged - FP |
44431 |
Per $1,000 gross sales |
2 |
1.44 |
6.66 |
3.78 |
6.33 |
Home for the Aged - NFP |
44432 |
Per $1,000 gross sales |
2 |
1.44 |
2.11 |
1.20 |
2.01 |
Home for the Handicapped - FP |
44433 |
Per 1,000 square feet |
3 |
1.68 |
67.20 |
38.20 |
63.90 |
Home for the Handicapped - NFP |
44434 |
Per 1,000 square feet |
3 |
1.68 |
129.00 |
73.00 |
122.00 |
Acute Care Hospital - FP |
44435 |
Per 1,000 square feet |
2 |
1.44 |
133.00 |
75.60 |
127.00 |
Acute Care Hospital - NFP |
44436 |
Per 1,000 square feet |
2 |
1.44 |
156.00 |
88.30 |
148.00 |
Psychiatric Hospital - FP |
44437 |
Per 1,000 square feet |
2 |
1.44 |
129.00 |
73.20 |
123.00 |
Psychiatric Hospital - NFP |
44438 |
Per 1,000 square feet |
2 |
1.44 |
102.00 |
56.80 |
96.90 |
Clinics, Dispensaries - FP |
44439 |
Per 1,000 square feet |
2 |
1.44 |
198.00 |
113.00 |
189.00 |
Clinics, Dispensaries - NFP |
44440 |
Per 1,000 square feet |
2 |
1.44 |
164.00 |
91.30 |
156.00 |
Home Health Services - NFP |
44500 |
Per $1,000 clinical payroll |
2 |
1.44 |
6.95 |
7.08 |
4.89 |
Home Health Services - FP |
44501 |
Per $1,000 clinical payroll |
2 |
1.44 |
5.48 |
5.57 |
3.85 |
Diagnostic Testing Lab |
46112 |
Per $1,000 gross sales |
2 |
1.44 |
0.216 |
0.123 |
0.206 |
Parking Lot |
46622 |
Per 1,000 square feet |
2 |
1.44 |
24.20 |
26.00 |
16.50 |
Apartment Building |
60010 |
Per unit |
2 |
1.44 |
68.00 |
110.00 |
73.90 |
Boarding or Rooming House |
61000 |
Per unit |
3 |
1.68 |
67.30 |
108.00 |
73.10 |
Office Building or Premise- FP |
61226 |
Per 1,000 square feet |
2 |
1.44 |
176.00 |
207.00 |
190.00 |
Office Building or Premise- NFP |
61227 |
Per 1,000 square feet |
2 |
1.44 |
161.00 |
190.00 |
174.00 |
Medical Office Building |
66561 |
Per 1,000 square feet |
2 |
1.44 |
128.00 |
150.00 |
137.00 |
Storage/Warehouse |
68706 |
Per 1,000 square feet |
2 |
1.44 |
43.50 |
50.10 |
46.80 |
Vacant Building |
68606 |
Per 1,000 square feet |
2 |
1.44 |
20.80 |
24.40 |
22.30 |
Vacant Land |
49451 |
Per acre |
2 |
1.44 |
17.52 |
20.16 |
19.08 |