PFM 05/02

PF&M COMPANION

FORM AND ENDORSEMENT CHANGES

Approved by individual states, through March 2002

By Bruce D. Hicks, CPCU, CLU

COUNTRYWIDE

Businessowners

In July 2001, ISO announced the 2002 edition of its Businessowners Program (BOP). The most substantial feature of the latest edition is the introduction of the BP 00 03 07 02, Businessowners Coverage Form. It takes the place of the long familiar BOP coverage parts (BP 00 01, BP 00 02, BP 00 06 and BP 00 09) because it is a complete form. It contains coverage provisions for property and liability protection, as well as all necessary policy conditions and exclusions. Other changes include:

* Modest expansion of coverage for the insured's landlord property

* Inclusion of exterior glass as component of covered property

* Limited coverage for computers and EDP equipment that is "stock"

* Clarifying how debris removal coverage applies

* Clarifying how collapse coverage applies

* Clarifying business income coverage and allowing for an extension of ordinary payroll coverage

* Offering broader coverage for:

- Money orders and counterfeit currency

- Increased cost of construction

- Business income from dependent propertie

- Expenses related to handling glass replacement

- Expenses related to recharging fire extinguisher systems

- Building property an insured newly buys or builds

* Clarifying the application of the Earth Movement exclusion

* Revising the Power Failure exclusion to provide limited coverage to computers and EDP equipment

The program also adds definitions such as "computer," "stock," "counterfeit," and "electronic media and records." There are a host of clarifications on the program's liability coverage, as well as some new and revised definitions. The program also offers new and revised multistate forms as well as a number of form withdrawals to conform with the latest edition's coverage intent and policy structure.

Commercial Automobile

ISO has introduced the following forms:

CA 23 37 01 02 - War, Military Action And Terrorism Exclusion

CA 23 38 01 02 - War, Military Action And Terrorism Exclusion - Garage Coverage Form

CA 26 14 01 02 - Amendment Of Single Interest Policy Provisions - War, Military Action And Terrorism Exclusion

These forms replace the policy's previous war exclusion language to create, essentially, an absolute exclusion against damage that is caused by military or terrorist actions. There is also a newly defined term, "terrorism."

Commercial General Liability and Commercial Liability Umbrella Changes I

ISO has introduced the following forms:

CG 21 69 01 02 - War Or Terrorism Exclusion (applies to CGL Coverage Part)

CG 31 42 01 02 - War Or Terrorism Exclusion (applies to OCP and Products/Completed Operations Liability Coverage Parts)

CG 31 43 01 02 - War Or Terrorism Exclusion (applies to UST Policy and Pollution Liability Coverage Part)

CU 21 29 01 02 - War Or Terrorism Exclusion (applies to Commercial Liability Umbrella Coverage Part)

These forms are options for barring coverage of both direct and indirect damage caused by military or terrorist actions, subject to the act involving either:

* Total property damage in excess of $25 million

* Serious physical injury or death to at least 50 persons

* The dispersal of nuclear, biological or chemical materials

The forms also include a newly defined term, "terrorism."

Commercial General Liability and Commercial Liability Umbrella Changes II

ISO has introduced the following forms:

CU 21 27 04 02 - Fungi Or Bacteria Exclusion (applies to CLU Coverage Part)

CG 21 67 04 02 - Fungi Or Bacteria Exclusion (applies to CGL Coverage Part)

CG 24 25 04 02 - Limited Fungi Or Bacteria Exclusion (applies to CGL Coverage Part)

CG 31 31 04 02 - Fungi Or Bacteria Exclusion (applies to OCP and Products/Completed Operations Liability Coverage Parts)

CG 31 32 04 02 - Limited Fungi Or Bacteria Exclusion (applies to OCP and Products/Completed Operations Liability Coverage Parts)

These forms are options for barring or limiting coverage of both direct and indirect damage caused by fungi or bacteria (e.g., mold). The limited coverage forms include a schedule for specifying an applicable, aggregate insurance limit and have a newly defined term, "fungi or bacteria incident." All of the forms also include a newly defined term, "fungi."

Commercial Lines

ISO is preparing the introduction of a new Capital Assets Program, which is a coverage concept that replaces its previous Manufacturer's Output Policy. The protection may be offered as a monoline policy or as a coverage part. ISO has also previously introduced a new Farm Umbrella Liability and Businessowner Program. In order to facilitate the new programs, ISO is offering the following new and revised multistate endorsements:

* IL DS 00 04 98 - Common Policy Declarations

* IL 00 03 04 98 - Calculation of Premium

* IL 00 21 04 98 - Nuclear Energy Liability Exclusion Endorsement

* IL 09 35 07 01 - Exclusion of Certain Computer-Related Losses

* IL DS 00 07 02 - Common Policy Declarations

* IL 00 17 11 98 - Common Policy Conditions

* IL 09 17 11 85 - Resident Agent Countersignature

* IL 12 01 11 85 - Policy Changes

* IL 00 17 11 98 - Common Policy Conditions

* IL 01 17 11 85 - Resident Agent Countersignature

Dwelling Liability

In December 2001, ISO filed an optional endorsement. Form DL 24 71 04 02, Limited Fungi, Wet or Dry Rot, or Bacteria Coverage modifies the Personal Liability (DL 24 01) form to provide some coverage for damage caused by rot or fungus. Coverage is on an aggregate basis and is provided by adding a definition for "fungi," and changing the form's Limit of Liability provision to include BI and PD attributed to fungus or rot. The aggregate sub-limit of coverage does not add to the Personal Liability form's overall (Coverage L) insurance limit.

Farm Changes I

ISO has filed a multistate revision of endorsements applicable to the Farm Program. It has revised FL 04 44 12 01, Coverage For Physical Injury To Crops And Animals Due To Certain Crop Dusting Operations Performed By Licensed Independent Contractor By Aircraft (Limited Crop Dusting Coverage), FL 04 65 12 01, Farm Employers Liability And Farm Employees Medical Payments Insurance and FL 04 69 12 01, Custom Farming Liability Coverage. The changes are to comply with the National Association of Insurance Commissioners (NAIC) Statement of Statutory Accounting Principle no. 6. The principle requires that the due date for either audit or retrospective premiums must be referenced in a policy form. If it is not, any uncollected premium must be classified as nonadmitted premium income. These forms amend the applicable policy condition on audits by adding wording to the effect that any advance premium amount is a deposit, which will be verified by auditing at the end of each policy period. If additional premium is owed, the due date on any bill is the due date for paying audit premiums.

Farm Changes II

In July 2001, ISO filed a new multistate change to its Farm Program. The change was to introduce a Farm Umbrella Liability Policy and endorsements. Policy form FB 00 01 07 02, Farm Umbrella Liability Policy and its more than a dozen endorsements make excess coverage available. The following form protection is designed to supplement a standard farm and either a personal or commercial auto exposure. In some instances, coverage is provided on a drop-down basis. While most of the program's definitions and exclusions match the language found in most underlying forms, there are new ones that must be analyzed carefully to determine the scope of coverage. ISO's filing circular mentions that, as compared to its own Farm Liability form, the umbrella contains exclusion differences involving autos, contracts, intentional acts, pollution, employers liability, property damage, etc.

General Liability Program Changes

This program revision introduced the CG 04 37 Electronic Data Liability Endorsement which covers electronic data by adding a definition of the term and by modifying the property damage definition to include electronic data. The revision also editorially clarified the following:

CG 04 28 02 02 Pollution Exclusion-Named Peril Limited Exception for a Short-Term Pollution Event

CG 04 29 02 02 Pollution Exclusion-Limited Exception for a Short-Term Pollution Event

CG 04 35 02 02 Employee Benefits Liability Coverage

CG 27 15 02 02 Extended Reporting Period Endorsement For Employee Benefits Liability Coverage

What follows is a list of individual states and which of the above changes each has approved involving ISO forms and programs. The text will not be repeated but will refer back to this Countrywide section.

ALABAMA

Commercial General Liability and Commercial Liability Umbrella Changes II--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after May 1, 2002.

ARIZONA

Businessowners--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after August 1, 2002, along with state-specific forms:

* BP 01 38 07 02 - Arizona Changes

* BP 17 12 07 02 - Arizona Condominium Additional Provisions

Commercial Lines--The program changes referred to in the Countrywide section, along with state-specific form IL 02 58 07 02, Arizona Changes - Cancellation And Nonrenewal have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

Dwelling--Form DP 05 35 01 02, Exclusion of Terrorism (With Limited Exception) And Exclusion Of War is available for use by interested insurers. Since the state's insurance authority has not disapproved the form, it becomes available per A.R.S. Sec 20-398 with an effective date of February 18, 2002.

Dwelling Liability--Form DL 24 08 01 02, Exclusion of War and Terrorism, is available for use by interested insurers. Since the state's insurance authority has not disapproved the form, it becomes available per A.R.S. Sec 20-398 with an effective date of February 18, 2002.

Farm Changes II--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

Homeowners--Form HO 05 16 01 02, Exclusion of Terrorism (With Limited Exception) And Exclusion Of War is available for use by interested insurers. Since the state's insurance authority has not disapproved the form, it becomes available per A.R.S. Sec 20-398 with an effective date of February 18, 2002.

Personal Umbrella--Form DL 98 29 01 02, Personal Umbrella Liability Policy War and Terrorism Exclusion Endorsement is available for use by interested insurers. Since the state's insurance authority has not disapproved the form, it becomes available per A.R.S. Sec 20-398 with an effective date of February 22, 2002.

CALIFORNIA

Commercial Auto--Form CA 21 54 02 02, California Uninsured Motorists Coverage - Bodily Injury has been approved and is available for use by interested insurers. The form was approved effective January 7, 2002. The form was modified in order to allow an exception required by state law. The change allows UM coverage to apply to an insured who is hit by a vehicle covered by his or her own policy, if that vehicle is being used in criminal activity (as long as
the insured is not involved with
the activity).

COLORADO

Commercial Auto--The program changes referred to in the Countrywide section have been approved for use by all participating insurers. The forms are available for all interested insurers with a distribution date of May 2002.

CONNECTICUT

Personal Auto--Form PP 03 60 06 02, Safe Driver Insurance Plan - Connecticut has been approved for use by all participating insurers for all policies written on or after June 1, 2002. The form was changed to better conform with the state's Safe Driver Insurance Plan provisions.

DELAWARE

DISTRICT OF COLUMBIA

Businessowners--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

Commercial Lines--The program changes referred to in the Countrywide section, along with IL 02 78 07 02, District of Columbia Changes - Cancellation and Nonrenewal, have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

FLORIDA

Businessowners--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after October 1, 2002, along with the following forms:

* BP 03 03 07 02 - Florida Changes

* BP 03 14 07 02 - Florida Hurricane Percentage Deductibles

* BP 10 62 07 02 - Florida Windstorm or Hail Exclusion

* BP 10 63 07 02 - Florida Windstorm or Hail Exclusion - Direct Damage

* BP 12 08 07 02 - Windstorm Protective Devices

* BP 17 50 07 02 - Florida Changes - Condominium Association Coverage

* BP 17 51 07 02 - Florida Changes - Condominium Commercial Unit-Owners Coverage

Commercial Lines--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after October 1, 2002, along with the following forms:

* IL 01 75 07 02 - Florida Changes - Legal Action Against Us

* IL 02 55 07 02 - Florida Changes - Cancellation And Nonrenewal

* IL 09 32 07 02 - Insured's Consent To Excess Rate (Florida)

* IL 12 07 07 02 - Florida Policy Changes

Farm Changes II--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after October 1, 2002, along with the following state-specific forms:

* FB 01 04 07 02 - Florida Changes

* FB 02 04 07 02 - Florida Changes - Cancellation and Nonrenewal

* FB 21 01 7 02 - Florida Excess Uninsured Motorists Coverage

* FB 21 10 07 02 - Split Uninsured And Undersinsured Motorists Coverage Limits

IDAHO

Commercial Auto--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after February 6, 2002.

ILLINOIS

Commercial General Liability--Form CG 31 22 09 02, Illinois Changes - Liquor Liability has been approved for use by all participating insurers for all policies written on or after September 1, 2002. The form was revised to make its Limits of Insurance wording better conform with Illinois statutes.

INDIANA

IOWA

KENTUCKY

Dwelling--Form DP 05 36 01 02, Exclusion of War Terrorism is available for use by interested insurers. Note: Any interested insurer MUST make a separate filing of this form which has a distribution date of January 2002.

Dwelling Liability--Form DL 24 08 01 02, Exclusion of War and Terrorism is available for use by interested insurers. Note: Any interested insurer MUST make a separate filing of this form which has a distribution date of January 2002.

Homeowners--Form HO 05 17 01 02, Exclusion of War and Terrorism is available for use by interested insurers. Note: Any interested insurer MUST make a separate filing of this form which has a distribution date of January 2002.

Personal Umbrella--Form DL 98 29 01 02, Personal Umbrella Liability Policy War and Terrorism Exclusion Endorsement is available for use by interested insurers. Note: Any interested insurer MUST make a separate filing of this form
which has a distribution date of January 2002.

LOUISIANA

Commercial Auto--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after January 28, 2002.

Commercial General Liability--The following forms have been approved for use by all participating insurers for all policies written on or after February 20, 2002:

* CG 26 75 01 02- Pollution Exclusion (CGL)

* CG 31 40 01 02- Pollution Exclusion (OCP)

* CG 21 65 09 99- Total Pollution Exclusion With A Building Heating Equipment Exception And A Hostile Fire Exception

* CG 04 28 07 98 - Pollution Exclusion - Named Peril Limited Exception for A Short-Term Pollution Event

* CG 04 29 07 98 - Pollution Exclusion - Limited Exception for A Short-Term Pollution Event

* CG 04 30 09 99 - Pollution Exclusion - Limited Exception for Designated Pollutants

* CG 21 49 09 99 - Total Pollution Exclusion Endorsement

* CG 21 55 09 99 - Total Pollution Exclusion Endorsement With A Hostile Fire Exception

* CG 22 64 07 98 - Pesticide or Herbicide Applicator Coverage

* CG 22 73 07 98 - Exclusion - Oil And Gas Operations

* CG 22 78 07 98 - Hazardous Material Contractors

* CG 24 15 07 98 - Limited Pollution Liability Extension Endorsement

The various new and revised forms allow the older edition CGL program to handle pollution-related events in a manner similar to that found in newer version CGL programs that are used in other jurisdictions.

MAINE

* BP 01 48 07 02 - Maine Changes

* BP 01 85 07 02 - Maine Insurance Inspection Services Exemption From Liability

* BP 01 93 07 02 - Maine Business-owners Standard Fire Policy Provisions

* BP 12 12 07 02 - Maine Effective Time Changes - Replacement of 12 Noon

* BP 17 13 07 02 - Maine Condominium Additional Provisions

Commercial Lines--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after August 1, 2002, along with state-specific forms:

* IL 01 89 07 02 - Maine Changes - Concealment, Misrepresentation
Or Fraud

* IL 02 47 07 02 - Maine Changes - Cancellation And Nonrenewal

MARYLAND

Commercial Liability Umbrella--ISO's multistate forms filing has been approved for use by all participating insurers for all policies written on or after June 1, 2002, and introduces:

* changes to several definitions and exclusions to acknowledge the exposures presented by Web sites and electronic publishing

* a clarification of the property status of electronic data

* a clarification of the insured status of trusts and volunteer workers

* a revision of a mandatory endorsement to comply with premium audit requirements and

* a variety of editorial changes

(For additional information, please refer to the PF&M Companion in the October 2001 issue of Rough Notes magazine.)

Commercial Lines--The program changes referred to in the Countrywide section, along with state-specific form IL 02 07 07 02, Maryland Changes have been approved for use by all participating insurers for all policies written on or after October 1, 2002.

Farm Changes I--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after August 1, 2002, along with the following state-specific forms:

* FL 05 14 06 02 - Maryland Changes - Coverage For Physical Injury To Crops And Animals Due To Certain Crop Dusting Operations Performed By Licensed Independent Contractor By Aircraft (Limited Crop Dusting Coverage)

* FL 05 15 06 02 - Maryland Changes - Farm Employers Liability And Farm Employees Medical Payments Insurance

* FL 05 16 06 02 - Maryland Changes - Custom Farming Liability Coverage

* FB 01 11 07 02 - Maryland Changes

* FB 02 09 07 02 - Maryland Changes - Cancellation And Nonrenewal

Homeowners--ISO's multistate forms filing introducing its HO 2000 Homeowners, program along with a number of state-specific forms, has been approved for use by all participating insurers for all policies written on or after July 1, 2002.

MICHIGAN

MINNESOTA

Farm--The following forms have been approved for use by all participating insurers for all policies written on or after August 1, 2002:

* FP 01 03 06 01 - Minnesota Changes

* FL 05 11 06 01 - Minnesota Changes - Personal Liability

The forms were changed in order to comply with Minnesota Dept. of Commerce Bulletin 2000-6 regarding the substitution of Medical Payments coverage for Workers Compensation coverage.

MISSISSIPPI

Commercial Auto--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after February 11, 2002.

MISSOURI

MONTANA

NEVADA

Commercial Lines--The program changes referred to in the Countrywide section, along with state-specific form IL 02 51 07 02, Nevada Changes - Cancellation and Nonrenewal, have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

Farm Changes II--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

NEW JERSEY

Farm Changes II--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after July 1, 2002, along with the following state-specific forms:

* FB 01 18 07 02 - New Jersey Changes

* FB 01 19 07 02 - New Jersey Changes - Follow Form Coverage For Liability For Hazards Of Lead

* FB 04 70 07 02 - New Jersey Changes - Exclusion - Liability For Hazards Of Lead

* FB 04 86 07 02 - New Jersey Changes - Farm Premises And Personal Umbrella Liability

NEW MEXICO

NEW YORK

Commercial Lines--The following forms have been approved for use by all participating insurers for all policies written on or after June 1, 2002:

* BM 01 37 05 02 - New York Changes

* BP 01 15 05 02 - New York Changes

* CP 01 33 05 02 - New York Changes

* FP 01 31 05 02 - New York Changes

* CR 01 55 05 02 - New York Changes

The various new and revised forms were introduced in order to include a provision allowing for insureds to receive a copy of any damage estimate made by an insurer.

NORTH CAROLINA

Dwelling Liability--Form DL 24 08 01 02, Exclusion of War and Terrorism is available for use by participating insurers for all policies written on or after January 15, 2002.

NORTH DAKOTA

OHIO

OKLAHOMA

Dwelling Liability--Form DL 24 71 04 02, Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage has been approved for use by all participating insurers for all policies written on or after June 1, 2002. The optional form is for use with the personal umbrella policy to offer limited coverage for direct or indirect damage caused by fungus or bacteria.

Farm Changes II--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after July 1, 2002.

Homeowners--The following forms have been approved for use by all participating insurers for
all policies written on or after
June 1, 2002:

* HO 04 26 04 02 - Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO forms not mentioned below)

* HO 04 27 04 02 - Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO 00 03 and 05)

* HO 04 28 04 02 - Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (Modified HO 00 04 and HO 00 06)

* HO 24 82 04 02 - Personal Injury

The optional forms offer limited coverage for direct or indirect damage caused by fungus or bacteria.

OREGON

PENNSYLVANIA

Dwelling Liability--Form IL 09 10 07 02, Pennsylvania Notice has been approved for use by interested insurers. Note that the form has an edition date of 07 02 and, if an insurer wishes to use it, it must make a separate filing and proposed effective date.

Personal Auto--The following forms have been approved for use by all participating insurers for all policies written on or after August 1, 2002:

* PP 04 17 08 02 - Underinsured Motorists Coverage - Pennsylvania (Non-Stacked)

* PP 04 19 08 02 - Underinsured Motorists Coverage - Pennsylvania (Stacked)

* PP 04 21 08 02 - Uninsured Motorists Coverage - Pennsylvania (Non-Stacked)

* PP 04 23 08 02 - Uninsured Motorists Coverage - Pennsylvania (Stacked)

* IL 09 10 07 02 - Pennsylvania Notice

The forms were changed in response to a recent court decision (Kmonk-Sullivan v. State Farm). The definition of uninsured/underinsured motor vehicle was changed to remove an exception involving government-owned vehicles and equipment.

SOUTH CAROLINA

* BP 01 21 07 02 - South Carolina Changes

* BP 01 33 07 02 - South Carolina Exterior Paint And Waterproofing Exclusion

* BP 03 16 07 02 - South Carolina Windstorm Or Hail Percentage Deductible

* BP 04 43 07 02 - South Carolina Windstorm Or Hail Exclusion

Commercial Lines--The program changes referred to in the Countrywide section and the state-specific forms listed below have been approved for use by all participating insurers for all policies written on or after August 1, 2002:

* IL 02 49 07 02 - South Carolina Changes - Cancellation And Nonrenewal

* IL 01 94 07 02 - South Carolina Changes - Legal Action Against Us

Dwelling Liability--Form DL 24 71 04 02, Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage has been approved for use by all participating insurers for all policies written on or after May 1, 2002. The optional form is for use with the personal umbrella policy to offer limited coverage for direct or indirect damage caused by fungus or bacteria.

Farm Changes II--The program changes referred to in the Countrywide section, along with state-specific form FB 02 20 07 02, South Carolina Changes - Cancellation And Nonrenewal, have been approved for use by all participating insurers for all policies written on or after August 1, 2002.

Homeowners--The following forms have been approved for use by all participating insurers for all policies written on or after May 1, 2002:

* HO 04 26 04 02 - Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO forms not mentioned below)

* HO 04 27 04 02 - Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (HO 00 03 and 05)

* HO 04 28 04 02 - Limited Fungi, Wet Or Dry Rot, Or Bacteria Coverage (Modified HO 00 04 and HO 00 06)

* HO 24 82 04 02 - Personal Injury

The optional forms offer limited coverage for direct or indirect damage caused by fungus or bacteria.

SOUTH DAKOTA

Dwelling--Form DP 05 36 01 02, Exclusion of War Terrorism is available for use by interested insurers that successfully file proof of its need.

Dwelling Liability--Form DL 24 08 01 02, Exclusion of War and Terrorism is available for use by interested insurers that successfully file proof of its need.

Homeowners--Form HO 05 17 01 02, Exclusion of War and Terrorism is available for use by interested insurers that successfully file proof of its need.

TENNESSEE

TEXAS

Commercial Lines--Form IL 12 06 09 02, Texas Policy Changes has been approved for use by all participating insurers for all policies written on or after September 1, 2002. The form was introduced to meet the state insurance authority's preference for a state-specific form for making policy changes.

General Liability--The program changes referred to in the Countrywide section have been approved for use by all participating insurers. The forms are available for all interested insurers with a distribution date of May 2002.

UTAH

VERMONT

* FB 01 25 07 02 - Vermont Changes

* FB 04 55 07 02 - Vermont Changes - Farm Premises And Personal Umbrella Liability

* FB 21 06 07 02 - Vermont Excess Uninsured Motorists Coverage

* FB 01 26 07 02 - Vermont Changes - Pollution

WEST VIRGINIA

Commercial Liability Umbrella--The following forms have been approved for use by all participating insurers for all policies written on or after June 1, 2002:

* CU 31 07 09 00 - Split Uninsured And Underinsured Motorists Coverage Limits

* CU 31 08 12 01 - West Virginia Excess Uninsured And Underinsured Motorists Coverage

The forms were initially introduced in response to former House Bill 2970, which requires UM and UIM to be offered along with excess liability coverages.

Personal Auto--Form PP 13 01 12 99 - Coverage For Damage To Your Auto Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after May 1, 2002. The form was introduced as a state-specific form for clarifying how the personal auto policy responds to claims involving an auto suffering diminished value.

Commercial Auto--The program changes referred to in the Countrywide section have been approved for use by all participating insurers for all policies written on or after February 20, 2002.