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Surcharges

If you have more than one paid loss in a 36-month period, in addition to losing the loss free credit, you will be charged an additional amount. This includes only paid losses after September 15, 2001 . Losses occurring prior to that date will not be included in calculating a surcharge.

Schedule of discounts and surcharges

No losses for 36 months                                                   Credit-10%

Two (2) paid losses within a 36-month period                    Surcharge+15%

Three (3) paid losses within a 36-month period                  Surcharge +30%

Four or more paid losses within a 36-month period            Surcharge +40%

Example: Assuming a loss free renewal date of November 1, 2001 .

Your policy renews November 1, 2001 - You receive a 10% credit for no losses in 36 months.

You have a paid loss in December of 2001.

Your policy renews November 1, 2002 - You do not get a discount or surcharge.

You have a paid loss in December of 2001.

Your policy renews November 1, 2003 - You will be surcharged 15% because you had two paid losses within the three years prior to renewal.