ࡱ> VYSTU ́bjbjcc 1cc.y: : 8 ? ( !x(t*???????$CAC:?b-!!b-b-:? O?===b-h  ?=b-?=== p>8/=?e?0?=D0D==&D= t++^=V,L,t+t+t+:?:?F7t+t+t+?b-b-b-b-Dt+t+t+t+t+t+t+t+t+: E:  LINE OF BUSINESS:Medical MalpracticeLINE(S) OF INSURANCECODESClaims Made11.1000CODE:11.0000Occurrence11.2000 IF CHECKLIST IS NOT APPLICABLE, PLEASE EXPLAIN:  REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGGENERAL REQUIREMENTS FOR ALL FILINGSThe HYPERLINK "https://www.dfs.ny.gov/insurance/filer.htm"following web site represents the Department's initiative to streamline the procedures for form, rate and rule filings: https://www.dfs.ny.gov/insurance/filer.htmForm/Page/Para ReferenceCOVER LETTER AND EXPLANATORY MEMORANDUMHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1998/cl98_11.htm"CL 11 (1998)The filing should include a cover letter, and an explanatory memorandum clearly explaining the intent of the filing, and highlighting any substantive changes (such as changes in ratemaking methodology or major coverages provided). If new form(s), territories, classification(s), or rule(s) are being filed and there are similar ones currently approved for use by a Rate Service Organization (RSO) or another insurer, or has been the subject of a filing previously not approved in New York, reference should be provided to the Department's file number or SERFF tracking number and effective date of the approval, or copies of the approved items should be included, if applicable. If the filing is currently in use in another state, this should be indicated.EXCLUSIONS & LIMITATIONSThe HYPERLINK "https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IV"following web site contains additional information on exclusions and prohibited coverages: https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IV Lead2307(b)May only exclude structures built prior to 1980 which have a significant potential lead exposure and have not undergone lead abatement procedures. A premium reduction of between 2% and 10% should be contemplated whenever the exclusion is attached to a policy. Please refer to Item IX of Compliance Questionnaire No. CLL.Mold2307(b)Pollution2307(b)Please refer to Item VIII of Compliance Questionnaire No. CLL.TerrorismHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/2015/cl2015_02.htm"CL 2 (2015)The  HYPERLINK "https://www.dfs.ny.gov/insurance/circltr/2015/cl2015_02.htm" following web site contains additional information: http://www.dfs.ny.gov/insurance/circltr/2015/cl2015_02.htm Tobacco2307(b)Such exclusion should be limited to the deleterious health effects associated with the use of such products only. Please refer to Item I.O of Compliance Questionnaire No. CLL. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGFILING SUBMISSION2305 & 2307 HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1992/cl1992_19.htm"CL 19 (1992) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1998/cl98_11_s1_98.htm"Supplement No 1 to CL 11(1998)An authorized insurer must obtain a Special Risk License prior to writing business in the "Free Trade Zone". Such business shall be limited to a Special Risk defined as either a Class 1 risk or a Class 2 risk enumerated in the list contained in Regulation 86. Class 3 risk does not include Medical Malpractice Insurance. Although filing is not required, rates and policy forms applied to special risks must still satisfy governing standards set forth in the Insurance Law and regulations.Compliance Questionnaires, Forms and Optional "Speed to Market" Filing ProceduresHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1998/cl98_11.htm"CL 11 (1998) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/2000/cl98_11_s3_00.htm"Supplement No 3 to CL 11 (1998)The optional "Speed to Market" filing procedures do not apply to Physicians & Surgeon's Medical Malpractice Liability Insurance. Please refer to the HYPERLINK "https://www.dfs.ny.gov/insurance/serff_main.htm#Section_II"following web site for additional information: https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IINO FILE OR FILING EXEMPTIONSArticle 63 11NYCRR16 (Reg. 86) An authorized insurer must obtain a Special Risk License prior to writing business in the "Free Trade Zone". Such business shall be limited to a Special Risk defined as either a Class 1 risk or a Class 2 risk enumerated in the list contained in Regulation 86. Although filing is not required, rates and policy forms applied to special risks must still satisfy governing standards set forth in the Insurance Law and regulations.PROHIBITED COVERAGESWhile the Department does not have an exhaustive list, some examples of prohibited coverages include punitive damages and corporal punishment. Please refer to the HYPERLINK "https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IV"following web site for additional information: https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IVAssault and Battery2307(b)Coverage for Assault and Battery is prohibited except for defense of person or property. Please refer to Item I.A.1.c of Compliance Questionnaire No. CLL.DiscriminationHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1994/cl94_06.htm"CL 6 (1994)Coverage for discrimination may only be provided on vicarious basis or for disparate impact.Indemnification Policy3420Is not permitted. Liability coverage must be provided on a pay on behalf basis. Please refer to Item I.B.1 of Compliance Questionnaire No. CLL.Intentional Acts2307(b)May only be provided on vicarious basis or for disparate impact. Please refer to Item I.A.1.b of Compliance Questionnaire No. CLL.Punitive or Exemplary DamagesHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1994/cl94_06.htm"CL 6 (1994)Coverage for Punitive or Exemplary Damages is not permitted. Please refer to Item I.A.1.a of Compliance Questionnaire No. CLL.Sexual Harassment Coverage2307(b)Coverage should not be provided to any person who allegedly or actually: i) participates in, ii) directs; or iii) knowingly allows any act of sexual misconduct.SIDE BY SIDE COMPARISONHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1998/cl98_11.htm"CL 11 (1998)If the filing is a revision to existing form(s), territories, classification(s) or rule(s); Except for simple, non-substantive changes, a side-by-side comparison of the form(s) or rule(s) being proposed and those currently in use in New York, with all changes clearly marked and explained in the company's cover letter or memorandum must be included. Revisions to classifications and territories should include a comparison between those currently on file (in New York) and those proposed, including relevant statistical data (experience) and any rate or rate relativity effect. There should be a reference to the Department's previous file number and/or a copy of the approval letter in which the current form(s), territories, classification(s) or rule(s) were approved/acknowledged. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGFORMS: POLICY PROVISIONS1113, 2307, 3105, 3106, & 3420 11 NYCRR 86 (Reg. 95) 11NYCRR 71 (Reg. 107) 11 NYCRR 72 (Reg. 110) 11 NYCRR 73 (Reg. 121)The following Compliance Questionnaire contains detailed information for making a Medical Malpractice filing including required policy provisions, exclusions, prohibited coverages, and standard language: Commercial Liability Insurance Form Filing Compliance Questionnaire HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/cll.doc"cll.doc (Word Format)  HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/cll.pdf" cll.pdf (PDF Format)Form/Page/Para ReferenceAPPLICATIONSFiling exemption2307(b)Applications which do not become part of the policy are exempt from filing requirements. Please refer to Item I.N.1 of Compliance Questionnaire No. CLL.Fraud Warning Statement403(d) 11NYCRR86.4 (Reg. 95)All applications must contain the prescribed fraud warning statement, which must be incorporated immediately above the applicant's signature.Claims-Made Disclosure Notice11NYCRR 73.7(a) (Reg. 121)If a policy is a claims-made policy, the application must comply with the disclosure requirements listed in Item II.a of Compliance Questionnaire No. CLMADE.Defense-within-limit Disclosure11NYCRR 71.5(a) (Reg. 107)If a policy is a defense within limits policy, the application must comply with the disclosure requirements listed in Item I.C of Compliance Questionnaire No. DWL. Note, however, most medical malpractice insurance policies may not be written of a defense within limits basis.ARBITRATIONArbitration of disputes between an insured and the insurer may not be required.BANKRUPTCY PROVISIONSInsolvency or bankruptcy clause3420(a)(1)A policy must contain a statement indicating that the insolvency or bankruptcy of the insured or the insured's estate does not relieve the obligations of the insurer. Please refer to Item I.B.2 of Compliance Questionnaire No. CLL.BLANK ENDORSEMENTSNot permitted since a blank endorsement may change policy provisions without the proper approval by this Department. An exception may be made for a blank form if its usage is apparent based on the title/language of the form itself (such as a change in address form). Forms containing check boxes with a space for language to be added are considered blank endorsements and are subject to these rules. Please refer to Item I.L of Compliance Questionnaire No. CLL.CANCELLATION & NON-RENEWAL3426 HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1986/cl1986_14.htm"CL 14 (1986) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1989/cl1989_11.htm"CL 11 (1989) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1989/cl1989_cl1989_11_s.htm"Supplement No 1 to CL 11 (1989)The Cancellation & Nonrenewal provisions apply to all commercial risk policies including policies issued or issued for delivery in New York covering risks with multi-state locations where the insured is principally headquartered in New York or the policy provides that New York Law will govern. Please refer to Compliance Questionnaire No. CLCNR for detailed cancellation and nonrenewal requirements: Commercial Lines Cancellation and Nonrenewal Form Filing Compliance Questionnaire HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/clcnr.doc"clcnr.doc (Word Format)  HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/clcnr.pdf"  clcnr.pdf (PDF Format)Notice of Cancellation3426(b), (c), (h)(2), (g) & (I)The cancellation provisions must comply with the statutory requirements for the content of the notice (including loss information), proof of notice, special provisions, and time frame for giving notice. Any notice which fails to include a provision required by Section 3426 shall not be an effective notice of cancellation. Notice must be mailed/delivered to the first name insured and to the insured's authorized agent or broker. Please refer to Item I.A of Compliance Questionnaire No. CLCNR. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGNotice of Non Renewal3426(e), (g), (h)(2) & (I)The nonrenewal provisions must comply with the statutory requirements for the content of the notice (including loss information), proof of notice, special provisions, and time frame for giving notice. Any notice which fails to include a provision required by Section 3426 shall not be an effective notice of nonrenewal. Notice must be mailed/delivered to the first name insured and to the insured's authorized agent or broker. Please refer to Item I.B of Compliance Questionnaire No. CLCNR.Required Policy Period3426(a)(2) & (d)(2)A required policy period means a period of one year from the date as of which a covered policy is renewed or first issued. A policy issued for less than one year must be in compliance with statutory reasons outlined in 3426(d)(2). Please refer to Item II of Compliance Questionnaire No. CLCNR.Permissible Reasons for Cancellation3426(b), (c) & (h)A policy may be cancelled for any valid underwriting reason during the first 60 days a policy is in force. After the first 60 days, reasons for cancellation are limited to statutory references. Please refer to Item I.A. 2 of Compliance Questionnaire No. CLCNR.Permissible Reasons for Non Renewal3426(e) & (h)A valid underwriting reason must be specifically listed in notice. Please refer to Compliance Questionnaire No. CLCNR.Conditional Renewal3426(e)(1)(B)A conditional renewal notice is required for any change in the policy less favorable to the policyholder. Such notice must contain the specific reason or reasons for conditional renewal and must comply with the statutory requirements for the content of the notice (including loss information), proof of notice, special provisions, and time frame for giving notice. Please refer to Item I.B.2 and I.B.3 of Compliance Questionnaire No. CLCNR.Policy Extension3426(e)(6)Aggregate Limit for expiring policy is increased in proportion to any policy extension as a result of late notice. Please refer to Item II. 2 of Compliance Questionnaire No. CLCNR.Suspension3426(m)A suspension of coverage shall not be considered a cancellation of coverageCLAIMS MADE2307(b) 11NYCRR73 (Reg. 121) The following Claims-Made Policies Form Filing Compliance Questionnaire contains detailed information for making a Claims Made filing: Claims Made Policies Form Filing Compliance Questionnaire HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/clmade.doc"clmade.doc (Word Format) HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/clmade.pdf"clmade.pdf (PDF Format)Types of Policies11NYCRR70 (Reg. 101)Insurers providing medical malpractice insurance to physicians must offer both occurrence and claims-made policies.DEFENSEDuty to DefendFor policies that provide for the duty to defend. A defense must be provided even if allegations are groundless, false or fraudulent. A complete defense must be provided for a claim, which involves both covered and noncovered allegations, and no allocation of defense costs is permitted. Additionally, provision must be made for the orderly transfer of defense duties when the limit of liability is used up in the payment of judgments or settlements. Please refer to Item I.C of Compliance Questionnaire No. CLL. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGDefense-Within-Limits11NYCRR 71 (Reg. 107)Most medical malpractice insurance policies may not be written of a defense within limits basis. Please refer to Regulation 107 for the eligible lines of business and the following Compliance Questionnaire for the minimum provisions, disclosure requirements, and limitations of coverage: Defense-Within-Limits Form Filing Compliance Questionnaire HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/dwl.doc"dwl.doc (Word Format) HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/dwl.pdf"dwl.pdf (PDF Format)Legal Services Insurance1113(a)(29) & 1116 11NYCRR262 (Reg. 162) Legal Services Insurance means insurance providing legal services or reimbursement of the cost of legal services. (Please note that pursuant to Section 262.10(d) of Department Regulation 161, when legal services insurance is written as part of a liability policy, it shall be written on a "pay on behalf" basis, except for a policy of directors and officers insurance, which may be written on an "indemnification" basis.) Please refer to the Compliance Questionnaire LEGAL for additional requirements: Legal Services Insurance Form Filing Compliance Questionnaire HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/legal.doc"legal.doc (Word Format) HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/legal.pdf"legal.pdf (PDF Format)DEFINITIONSBodily InjuryIf the policy covers Bodily Injury, and that definition does not include mental anguish that results from a wrongful act, some form of rate relief must be given. Please refer to Item I.E of Compliance Questionnaire No. CLL.Loading & Unloading2307(b)The term "Loading & Unloading" must remain undefined. Please refer to Item I.J of Compliance Questionnaire No. CLL.Personal Injury1113(a)(13)If the policy provides coverage for Personal Injury, such policy must include the provisions of 1113(a)(13). Please refer to Item I.d of Compliance Questionnaire No. CLL.EXCESS COVERAGE1) If the self-insured retention is $10,000 or greater, the consent of the insured to settle a claim is required for claims falling within the self-insured retention; 2) the insured should have the right to select counsel for claims within the self-insured retention; 3) the company cannot require an insured to contract with a particular claims adjustment service; 4) For the above items, endorsements must be attached to the policy indicating the policyholder understands and consents to the requirements.FORMS MISCELLANEOUSNumbered Forms2307(b)All policy forms and endorsements filed with the Department must include an identification number. Please refer to Item I.M of Compliance Questionnaire No.CLL.Unlicensed Companies2307(b)All policy forms and endorsements filed with the Department may only include the names of insurers licensed in the State of New York. Please refer to Item I.K of Compliance Questionnaire No. CLL.FICTITIOUS GROUPS3435 11NYCRR301 (Reg. 134) 11NYCRR153 (Reg. 135) The provisions of 3435 and Regulations 134 and 135 do not permit fictitious groups. The issuance of group property & casualty insurance is limited to either not-for-profit or municipality insureds, or purchasing groups formed under the Federal Liability Risk Retention Act of 1986 or quasi-group policies through a mass merchandising, safety group or similar program, in connection with State law or a Federal purchasing group. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGGROUP POLICIES3435 11NYCRR301 (Reg. 134) 11NYCRR153 (Reg. 135)The provisions of 3435 and Regulations 134 and 135 do not permit fictitious groups. The issuance of group property & casualty insurance is limited to either not-for-profit or municipality insureds, or purchasing groups formed under the Federal Liability Risk Retention Act of 1986 or quasi-group policies through a mass merchandising, safety group or similar program, in connection with State law or a Federal purchasing group. Group policies must comply with the provisions of Regulations 134 & 135 including the following: general requirements, group policy minimum standards, premium collection and payment, dividend plans and form and rate filings requirements.LIMITSPolicy LimitsSublimitsIf there are sublimits the policy should highlight that fact, and if the policy is written on a Defense Within Limit basis the sublimit cannot be less than the minimum limit required for policies written on that basis.LOSS SETTLEMENTAction Against Company3420(a)(2) & 3420(b)If judgment against an insured is not satisfied within 30 days, an action can be brought against an insurer. Furthermore, the judgment clause may not include the requirement that judgment be "final" or obtained "after actual trial." Please refer to Item I.B of Compliance Questionnaire No. CLL.After Market PartsDeductibles11NYCRR71 (Reg. 107)If deductible is applied against defense costs, policy must comply with Reg. 107. Note, however, most medical malpractice insurance policies may not be written of a defense within limits basis.Loss ValuationsNotification of Claim3420(a)(3)&(4)The policy must contain a provision permitting notice of claim to be given to the company's agent. Furthermore, the policy must also contain a provision that late notice will not invalidate a claim if it was not reasonably possible to give notice sooner, and notice was given as soon as possible. Please refer to Paragraph I.B of Compliance Questionnaire CLL.OTHER INSURANCE2303Policy provisions which indicate that in the event an occurrence is covered by more than one policy issued by an insurer or its affiliates, only the highest limit of liability among all policies will apply to the claim, are not permitted. Please refer to Item I.I of Compliance Questionnaire No. CLL.PARTICIPATING POLICIES4106A participating policy provision is not required. However, when the provision is included, the board of directors may make reasonable classifications of policies in order to issue payment of dividends. Such classifications must be filed for approval and be fair and not unfairly discriminatory. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGPREMIUM AUDIT11 NYCRR161.10 (Reg. 129)Audit to determine the final premium must be conducted within 180 days after expiration of the policy and such audit requirement may only be waived for reasons specified in the regulation.PRIOR ACT COVERAGE FOR OCCURRENCE POLICYIt is only permitted to be written if 1) No coverage for known claims, 2) Provided only to insureds switching from claims-made policy and is not available to an insured with an uninsured prior acts exposure, 3) Once purchased, must survive termination of the occurrence policy.VICARIOUS LIABILITYHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1994/cl94_06.htm"CL 6 (1994)The Department permits coverage for claims of vicarious liability regardless of whether the underlying wrong is intentional or not.VOIDANCE3105 & 3106May not void a policy unless the misrepresentation is material. No misrepresentation shall be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal by the insurer to make such contract. Please refer to Item I.H of Compliance Questionnaire No. CLL.WARRANTIES3106A breach of warranty shall not void a policy unless the breach of warranty is material.WORLDWIDE COVERAGEIf a policy provides for a duty to defend, in provisions where the company states it has no duty to defend suits brought in foreign countries, the company must state the specific reasons why it does not wish to defend (i.e. if the insurer lacks the expertise to defend in the foreign country, or if the insurer is not permitted by law to defend in such foreign country.) In such situations, the policy must specify that the insurer must reimburse the insured for the defense expenses the insured incurred.RATES & RATING PLANS2304 & 2344 11NYCRR161 (Reg. 129) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/2002/cl98_11_s4_02.htm"Supplement No 4 to CL 11 (1998)All rates, rating plans, and rating rules filings must be submitted in accordance with the instructions of Supplement No. 4 to Circular Letter 11 (1998) which outlines the new mandatory filing procedures effective September 16, 2002. These procedures contain the minimum required information that must accompany all rate, rating plan, and rating rule filings. Rate filings must include appropriate supporting information as outlined in the Rate Filing Sequence Checklist. Please note the relevant requirements contained in Section 2304 of the New York Insurance Law. For commercial lines filings subject to flex-rating under Section 2344, please also refer to Regulation 129 (11 NYCRR 161). Please refer to the HYPERLINK "https://www.dfs.ny.gov/insurance/serff_main.htm#Section_II"following web site for additional information: https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IIForm/Page/Para ReferenceADOPTIONS OF RATE SERVICE ORGANIZATIONS (RSO) FILINGSMe Too Filings2306 11 NYCRR 161.7 (Reg. 129)The insurer may discharge its rate filing obligation by giving notice that it uses rates and rate information prepared by a designated rate service organization. Please refer to Regulation 129 for the filing of rates and the relation and role of rates published by a rate service organization and the HYPERLINK "https://www.dfs.ny.gov/insurance/serff_main.htm#Section_II"Departments web site for additional filing information: https://www.dfs.ny.gov/insurance/serff_main.htm#Section_II REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGCONSENT-TO-RATE2309The application for an excess rate is subject to prior approval. In addition, the application must include the insured's reasons and the application must be signed by the insured.CREDIT SCORING AND REPORTSThe use of credit scoring and reports is limited to the initial underwriting and/or initial tier placement of the risk.INDIVIDUAL RISK RATING2305 11NYCRR161.12 (Reg. 129)Individual Risk Submissions not subject to prior approval shall not filed with the Department. All such information shall be retained in the insurer's individual underwriting file for each policy issued for a period of five years from the date of first issuance of such policy.Prior approvalHYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1996/cl96_04.htm"CL 4 (1996)This form must be included in all Individual Risk Submission subject to prior approval: HYPERLINK "http://www.dfs.ny.gov/insurance/insurers/property/checklists/129-c.doc"NYSID Form 129-c.docPRICING2304 & 2344 11NYCRR161 (Reg. 129) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1992/cl1992_19.htm"CL 19(1992) & HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1996/cl96_04.htm"CL 4(1996)The HYPERLINK "https://www.dfs.ny.gov/insurance/serff_main.htm#Section_II"following web site contains the mandatory filing procedures: https://www.dfs.ny.gov/insurance/serff_main.htm#Section_IIAudit Provisions/premium Audit RulesIndicate if the filing includes an audit provision and/or a premium audit rule. If so, an audit to determine final premium for policies under which the initial premium is based on an estimate of the insured's exposure base must comply with Section 161.10 of Regulation 129. The provision/rule must clearly demonstrate compliance.Minimum Premium RulesMinimum Premium Rules- the submission should evidence the relationship between the amount charged as a minimum premium and the costs associated with producing the policy or coverage. Return Premium/Minimum Earned Premium Rules - the submission should specify that the policy will be pro-rated or short-rated due to mid-term termination of the policy. Premium may be considered fully earned only for policies insuring special events that are only a few days in length.Multi TieringEligibility requirements for each tier must be submitted. The tier eligibility requirements must be specific and mutually exclusive, so that no insured would be eligible for more than one tier. The rate effects of the tier eligibility requirements should not be duplicated in any rating plans. Justification must be provided for the rate differential for each tier.Payment PlansPayment plans are outside of the rating structure, and do not have to be filed with the Department or included as part of the manual rates.Physician and Surgeon Risk Management Credits11NYCRR152 (Reg. 124)Any risk management credit must be in accordance with an approved "Qualified Risk Management Program" as defined by Department Regulation 124.Physicians and Surgeons rates11NYCRR70 (Reg. 101)Rates for physicians and surgeons medical malpractice insurance are established by the Superintendent.Renewal DiscountsRenewal Discounts or credits due to the insured's longevity with the company are not permitted for Commercial Liability coverage.Service ChargesLate payment fees, reinstatement fees, and premium installment fees are to be classified as service fees that are outside of the rating structure, and do not have to be filed with the Department or included as part of the manual rates. REVIEW REQUIREMENTSREFERENCEDESCRIPTION OF REVIEW STANDARDS REQUIREMENTSLOCATION OF STANDARD IN FILINGRATING PLAN REQUIREMENTS2344 11NYCRR161.8 (Reg. 129)Rating plans are subject to prior approval. Even if the insurer is adopting a rating plan from a Rate Service Organization (RSO) without modification, such plan is subject to the prior approval requirements.Composite RatingPlease refer to item RP-1 and RP-2 of Compliance Questionnaire NEWRATE and Regulation 129 for the rating plan rules and standards.Expense Reduction PlanPlease refer to item RP-1 and RP-2 of Compliance Questionnaire NEWRATE and Regulation 129 for the rating plan rules and standards.Experience RatingPlease refer to item RP-1, RP-2, ERP-1, ERP-2, and ERP-3 of Compliance Questionnaire NEWRATE and Regulation 129 for the rating plan rules and standards.Loss RatingPlease refer to item RP-1 and RP-2 of Compliance Questionnaire NEWRATE and Regulation 129 for the rating plan rules and standards.Physician and Surgeon Merit Rating Plans11NYCRR152 (Reg. 124)All insurers writing Physicians and Surgeon's Malpractice Insurance must file a merit rating plan which complies with Department Regulation 124.Retrospective RatingPlease refer to item RP-1 and RP-2 of Compliance Questionnaire NEWRATE and Regulation 129 for the rating plan rules and standards.Schedule RatingPlease refer to item RP-1 and RP-2 of Compliance Questionnaire NEWRATE and Regulation 129 for the rating plan rules and standards.RATE/LOSS COST SUPPORTING INFORMATIONActuarial or other Rate Support11NYCRR161 (Reg. 129) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/1992/cl1992_19.htm"CL 19 (1992) HYPERLINK "http://www.dfs.ny.gov/insurance/circltr/2002/cl98_11_s4_02.htm"Supplement No 4 to CL 11 (1998) Rate making and supporting information for rates, rating plans, and rating rules must be organized into exhibits, which follow a sequential numbering system. The Rate Filing Sequence Checklist and the related instructions prescribe the required format used to support rate, rating plan, and rating rule filings. 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