Owners, Landlords and Tenants Manual (01/20) - SD · GMRC OLT 01/20 OLT-PC-1 SD Page Checklist OWNERS, LANDLORDS, AND TENANTS MANUAL SOUTH DAKOTA PAGE CHECKLIST MANUAL PAGE CHECKLIST

GMRC OLT 01/20 OLT-PC-1 SD Page Checklist

OWNERS, LANDLORDS, AND TENANTS MANUAL SOUTH DAKOTA PAGE CHECKLIST

MANUAL PAGE CHECKLIST

This Page Checklist displays the latest pages included in this section of your Grinnell Mutual manual.

NOTE: Always use the Edition Date to determine the latest page.

New or revised pages are indicated with shading.

PAGE NUMBER EDITION

DATE PAGE NUMBER EDITION

DATE

GMRC OLT SD (Forms Index) GMRC OLT Multistate (General Rules) OLT-FI-1 thru OLT-FI-2 01/20 OLT-GR-1 07/18 OLT-GR-2 01/17

GMRC OLT SD (Exceptions) OLT-GR-3 01/20 OLT-E-1 01/11 OLT-GR-4 thru OLT-GR-5 07/18 OLT-GR-6 01/20

GMRC OLT Multistate (Index) OLT-GR-7 thru OLT-GR-8 07/18 OLT-i-1 01/20 OLT-i-2 07/18 GMRC OLT SD (Rates) OLT-R-1 01/12

OWNERS, LANDLORDS AND TENANTS MANUAL SOUTH DAKOTA FORMS INDEX – Revised 01-01-2020

The Forms Index supersedes any other listing of forms found in this section of your manual.

OLT II = Issued by mutual on behalf of Grinnell Mutual

OLT III = Reinsured Liability (Written and issued by mutual, 100% reinsured for property and liability coverages)

GMRC OLT denotes change 01/20 OLT-FI-1 SD Informational Forms Index

MANDATORY FORMS

NOTE: Some of the following forms are Conditional Mandatory, refer to Rules or State Exceptions for additional guidelines.

POLICY FORM

GMRC 5300 ............. 07-18 Owners, Landlords & Tenants Policy.......................................................... OLT II & III

ENDORSEMENTS

RC 660175 ............... 01-17 Special Provisions – Iowa ........................................................................... OLT II & III RC 57 ....................... 01-10 Insured Premises Definition ........................................................................ OLT II & III GMRC 1992 ............... 8-02 Fungi and Bacteria Endorsement ............................................................... OLT II & III GMRC 2255 ............... 1-01 Transition Endorsement .............................................................................. OLT II & III GMRC 2269 ............. 01-15 Certified Acts of Terrorism – Liability .......................................................... OLT II & III GMRC 2270 RL ....... 01-15 Liability Exclusion for Certified Acts of Terrorism ...................................... OLT III GMRC 2273 ............... 1-06 Annual Aggregate Endorsement ................................................................. OLT II & III GMIL 4618 ............... 07-15 Oil, Gas, or Injection Well Liability Exclusion .............................................. OLT II & III GMIL 4660 ............... 01-18 Mutual Conditions ....................................................................................... OLT II GMIL 4670 ............... 01-19 Maximum Liability Limit With Multiple Policies ........................................... OLT II & III GMIL 4684 ............... 07-18 Statement of Liability Insurance Carrier ..................................................... OLT II GMIL 4693 ............... 01-20 In Care of Insured Definition ....................................................................... OLT II & III GMIL 4709 ................. 3-03 Punitive Damages Exclusion ...................................................................... OLT II & III GMIL 4791 ............... 10-11 Civil Union Endorsement ............................................................................ OLT II & III GMRC 5301 ............... 7-01 Combined Single Liability Limits Endorsement .......................................... OLT II & III GMRC 5304 ............. 01-17 Personal Injury Coverage (For Rented Dwellings Only) ............................. OLT II & III

CONSUMER NOTICES

RC 112 IA ................ 01-18 Notice of Cancellation or Nonrenewal ........................................................ OLT II RC 364 ..................... 04-11 Fair Credit Reporting Notice ....................................................................... OLT II & III GMIL 7001 ............... 05-18 Privacy Notice ............................................................................................. OLT II RC 7010 ................... 01-15 Notice – Offer of Coverage for Certified Acts of Terrorism,

Disclosure of Premium, and Rejection Statement .................................. OLT III RC 7014 ................... 01-15 Notice – Offer of Coverage for Certified Acts of Terrorism,

Disclosure of Premium ........................................................................... OLT III

OWNERS, LANDLORDS AND TENANTS MANUAL SOUTH DAKOTA FORMS INDEX – Revised 01-01-2020

The Forms Index supersedes any other listing of forms found in this section of your manual.

OLT II = Issued by mutual on behalf of Grinnell Mutual

OLT III = Reinsured Liability (Written and issued by mutual, 100% reinsured for property and liability coverages)

GMRC OLT denotes change 01/20 OLT-FI-2 SD Informational Forms Index

OPTIONAL LIABILITY FORMS

GMRC 911.................. 4-77 Policy Endorsement ..................................................................................... OLT II & III GMRC 1922-24 .......... 1-01 Multiple Purpose Endorsement ................................................................... OLT II & III

A. Additional Insured (Limited Form) – GMRC 1922 B. Additional Premises – GMRC 1923 C. Construction Permit – GMRC 1924

GMIL 4757 ................ 01-10 Race Track Exclusion .................................................................................. OLT II & III GMIL 4758 ................ 01-10 Roadside Park/Campground Exclusion ....................................................... OLT II & III GMIL 4759 ................ 01-10 Shooting Range Exclusion .......................................................................... OLT II & III GMIL 4760 ................ 01-10 Bulldozing/Excavation Exclusion ................................................................. OLT II & III GMIL 4761 ................ 01-10 Food Preparation/Processing Exclusion ..................................................... OLT II & III GMIL 4762 ................ 01-10 Sawmill Exclusion ........................................................................................ OLT II & III GMIL 4763 ................ 01-10 Rock Quarry/Gravel Pit Exclusion ............................................................... OLT II & III GMIL 4764 ................ 01-10 Manure Handling Exclusion ......................................................................... OLT II & III GMIL 4766 ................ 01-10 Dog Breeding Exclusion .............................................................................. OLT II & III GMIL 4767 ................ 01-10 Auctioneer Exclusion ................................................................................... OLT II & III GMIL 4768 ................ 01-10 Beauty or Barber Shop Exclusion ............................................................... OLT II & III

APPLICATIONS, DECLARATIONS, & JACKETS

APPLICATIONS

GMRC 5300A ........... 07-18 OLT Application ........................................................................................... OLT II

Can also be used for Change in Coverage

GMRC 5300A RL ..... 07-18 OLT Application ........................................................................................... OLT III


RC 80 ....................... 01-10 Application – Dwellings ................................................................................ OLT II

Use when OLT coverage is written in conjunction with a property policy.


RC 80 RL .................. 01-10 Application – Dwellings ................................................................................ OLT III

Use when OLT coverage is written in conjunction with a property policy.


DECLARATIONS

RC 157 ..................... 07-18 Change in Coverage Endorsement (Supplemental Declarations) .............. OLT II & III

POLICY JACKET

RC 70 ....................... 01-18 Policy Jacket ................................................................................................ OLT II

Combination property/liability policies. Identifies Grinnell Mutual as liability insurer and mutual as property insurer.

RC 92 ....................... 01-18 Policy Jacket ................................................................................................ OLT III

Used by RL Mutuals. Identifies mutual only.

OWNERS, LANDLORDS, AND TENANTS MANUAL SOUTH DAKOTA STATE EXCEPTIONS

GMRC OLT * denotes change 01/11 OLT-E-1 SD State Exceptions

ADDITIONAL RULES

RULE A1. RC 112 SD OR RC 112 SD RL – NOTICE OF CANCELLATION OR NONRENEWAL

This form is used to inform the insured of cancellation or nonrenewal.

RC 112 SD – Used by all companies except Reinsured Liability companies.

RC 112 SD RL – Used by Reinsured Liability companies.

RULE A2. RC 364 – FAIR CREDIT REPORTING NOTICE (Mandatory Form)

* This form is used when “adverse action” is taken against an insured because of information received from an in-formation reporting service.

PART I – COVERAGE & DEFINITION TYPE RULES

RULE 100. INTRODUCTION

A. GENERAL INFORMATION

1. Who and What Is Insured

b. What Is Insured?

The Owners, Landlords, and Tenants policy provides coverage for bodily injury and property damage arising out of the one- to two- family dwelling described in the Decla-rations.

PART II – MANDATORY FORMS

RULE 201. RC 660975 – SOUTH DAKOTA AMENDATORY ENDORSEMENT

This form amends the Owners, Landlords, and Tenants policy provisions to comply with state regulations.

RULE 210. RC 57 – INSURED PREMISES DEFINITION

This endorsement is not available in South Dakota.

OWNERS, LANDLORDS, AND TENANTS MANUAL MULTISTATE INDEX

RULE NO. PAGE NO.

GMRC OLT 01/20 OLT-i-1 Multistate Index


100. Introduction A. General Information ............................................................................................... OLT-GR-1 B. Manual Structure .................................................................................................... OLT-GR-2

101. Description of Mandatory Coverages A. Coverage A – Liability To Public ............................................................................ OLT-GR-2 B. Coverage B – Medical Payments To Public .......................................................... OLT-GR-2 C. Additional Coverages ............................................................................................. OLT-GR-2

102. Minimum Liability Limits .................................................................................................... OLT-GR-2 A. Annual Aggregate .................................................................................................. OLT-GR-2 B. Special Limits for Pollution ..................................................................................... OLT-GR-2

103. Eligibility ............................................................................................................................ OLT-GR-3 104. Ineligible Risks .................................................................................................................. OLT-GR-3 105. – 199. Reserved for Future Use ................................................................................................... OLT-GR-3


200. Policy Form (GMRC 5300) ................................................................................................ OLT-GR-3 201. Special Provisions ............................................................................................................ OLT-GR-3 202. Fungi and Bacteria – Liability Limitation (GMRC 1992) .................................................... OLT-GR-3 203. Transition Endorsement (GMRC 2255) ............................................................................ OLT-GR-3 204. Certified Acts of Terrorism – Liability (GMRC 2269) ........................................................ OLT-GR-4 205. Liability Exclusion for Certified Acts of Terrorism (GMRC 2270 RL) ................................ OLT-GR-4 206. Annual Aggregate Endorsement (GMRC 2273) ............................................................... OLT-GR-4 207. Punitive Damages Exclusion (GMIL 4709) ....................................................................... OLT-GR-4 208. Combined Single Liability Limits Endorsement (GMRC 5301) ......................................... OLT-GR-4 209. Privacy Notice (GMIL 7001) .............................................................................................. OLT-GR-4 210. Insured Premises Definition (RC 57) ................................................................................ OLT-GR-4 211. Notice – Offer of Coverage for Certified Acts of Terrorism, Disclosure of Premium,

Rejection Statement (RC 7009).................................................................................... OLT-GR-5 212. Notice – Offer of Coverage for Certified Acts of Terrorism, Disclosure of Premium,

Rejection Statement (RC 7010).................................................................................... OLT-GR-5 213. Notice – Offer of Coverage for Certified Acts of Terrorism,

Disclosure of Premium (RC 7013) ................................................................................ OLT-GR-5 214. Notice – Offer of Coverage for Certified Acts of Terrorism,

Disclosure of Premium (RC 7014) ................................................................................ OLT-GR-5 215. Personal Injury Coverage (For Rented Dwellings Only) (GMRC 5304) ........................... OLT-GR-5 216. Civil Union Endorsement (GMIL 4791) ............................................................................. OLT-GR-5 217. Oil, Gas, or Injection Well Liability Exclusion (GMIL 4618) .............................................. OLT-GR-6 218. Maximum Liability Limit With Multiple Policies (GMIL 4670) ............................................ OLT-GR-6 219. Mutual Conditions (GMIL 4660) ........................................................................................ OLT-GR-6 220. Statement of Liability Insurance Carrier (GMIL 4684) ...................................................... OLT-GR-6 221. In Care Of Insured Definition (GMIL 4693) ....................................................................... OLT-GR-6 222. – 299. Reserved for Future Use ................................................................................................... OLT-GR-6

PART III – RESERVED FOR FUTURE USE

300. – 399. Reserved for Future Use ................................................................................................... OLT-GR-6

OWNERS, LANDLORDS, AND TENANTS MANUAL MULTISTATE INDEX

RULE NO. PAGE NO.

GMRC OLT 07/18 OLT-i-2 Multistate Index

PART IV – OPTIONAL LIABILITY FORMS

400. Policy Endorsement (GMRC 911) .................................................................................... OLT-GR-6 401. Multiple Purpose Endorsement (GMRC 1922-1924)

A. Additional Insured (GMRC 1922) .......................................................................... OLT-GR-6 B. Additional Premises (GMRC 1923) ....................................................................... OLT-GR-6 C. Construction Permit (GMRC 1924) ........................................................................ OLT-GR-6

402. Race Track Exclusion (GMIL 4757) .................................................................................. OLT-GR-7 403. Roadside Park/Campground Exclusion (GMIL 4758) ...................................................... OLT-GR-7 404. Shooting Range Exclusion (GMIL 4759) .......................................................................... OLT-GR-7 405. Bulldozing/Excavation Exclusion (GMIL 4760) ................................................................. OLT-GR-7 406. Food Preparation/Processing Exclusion (GMIL 4761) ..................................................... OLT-GR-7 407. Sawmill Exclusion (GMIL 4762) ........................................................................................ OLT-GR-7 408. Rock Quarry/Gravel Pit Exclusion (GMIL 4763) ............................................................... OLT-GR-7 409. Manure Handling Exclusion (GMIL 4764) ........................................................................ OLT-GR-7 410. Dog Breeding Exclusion (GMIL 4766) .............................................................................. OLT-GR-7 411. Auctioneer Exclusion (GMIL 4767) ................................................................................... OLT-GR-7 412. Beauty or Barber Shop Exclusion (GMIL 4768) ............................................................... OLT-GR-7 413. – 499. Reserved for Future Use .................................................................................................. OLT-GR-7

PART V – APPLICATIONS, DECLARATIONS, & JACKETS

500. Policy Jacket (RC 70 & RC 70 25W) ................................................................................ OLT-GR-8 501. Policy Jacket (RC 92) ....................................................................................................... OLT-GR-8 502. Reserved for Future Use .................................................................................................. OLT-GR-8 503. Owners, Landlords, and Tenants Application (GMRC 5300A) AFD ................................ OLT-GR-8 504. Owners, Landlords, and Tenants Application (GMRC 5300A RL) RL ............................. OLT-GR-8 505. Application (RC 80) AFD ................................................................................................. OLT-GR-8 506. Application (RC 80 RL) RL .............................................................................................. OLT-GR-8 507. – 510. Reserved for Future Use .................................................................................................. OLT-GR-9 511. Change in Coverage Endorsement (RC 157) .................................................................. OLT-GR-9 512. – 599. Reserved for Future Use .................................................................................................. OLT-GR-9

OWNERS, LANDLORDS, AND TENANTS MANUAL MULTISTATE GENERAL RULES

GMRC OLT * denotes change 07/18 OLT-GR-1 Multistate General Rules


RULE 100. INTRODUCTION

A. GENERAL INFORMATION

This Manual contains the forms, endorsements, and rules governing the writing of an Owners, Landlords, and Tenants (OLT) policy. The forms and rules ref-erences in these General Rules may not be availa-ble in every state. Refer to State Exception pages to verify state specific rules and forms. 1. Who and What Is Insured

a. Who Is An Insured?

1) The Named Insured listed in the Decla-rations.

2) If the Named Insured is an individual, the following individuals if living in the same household as the Named Insured:

a) The spouse;

b) Individuals who are related by blood, marriage, or adoption; and

c) A ward, foster child, or foreign ex-change student.

3) Any unmarried and financially depend-ent child under age 25 who is away at school.

b. What Is Insured?

The Owners, Landlords, and Tenants policy provides coverage for bodily injury and property damage arising out of the one- to four- family dwelling described in the Decla-rations.

This policy does not provide coverage for:

1) Personal acts that occur away from the insured premises; or

2) Damage to property of others.

The following coverages may not be en-dorsed on the OLT policy:

1) Incidental Business Activities; and

2) Incidental Agricultural Activities.

* The OLT policy must be written in conjunc-tion with a property policy issued by a Grin-nell Mutual Member (mutual).

* 2. Owners, Landlords, and Tenants Policy

An Owners, Landlords, and Tenants liability policy GMRC 5300 may be issued as described below:

a. Affiliated Direct (AFD) Liability policies are underwritten and issued on behalf of Grin-nell Mutual Reinsurance Company (Grinnell Mutual) from the offices of Grinnell Mutual Members (mutuals) in IA, IL, IN, MN, MO, ND, NE, OH and SD who are not permitted, or have elected not, to write liability cover-age on form GMRC 5300. Grinnell Mutual’s filed rates apply to these policies.

AFD Liability policies must be written in con-junction with the mutual’s property policy. The Declaration pages issued by AFD mu-tuals identify the mutual as the property in-surer and Grinnell Mutual as the liability in-surer.

b. Reinsured Liability (RL) coverage is under-written and issued by a mutual that writes li-ability coverage and sets their own rates. The liability coverage is 100% reinsured by Grinnell Mutual. Reinsured Liability cover-age is issued from the offices of the mutual in MN, MO, MT, ND, NE, SD, and WI.

Reinsured Liability coverage must be written in conjunction with the mutual’s property coverage. The policy applications and Dec-laration pages issued by RL mutuals identify the mutual as the insurer.

Applications for Affiliated Direct Liability and Reinsured Liability should be submitted to the mutual.



RULE 100. INTRODUCTION (Cont’d.)

B. MANUAL STRUCTURE This manual is divided into two primary sections:

1. Rules a. General Rules include:

Part I – Coverage & Definition Type Rules Part II – Mandatory Forms Part III – Reserved for Future Use Part IV – Optional Liability Coverages

& Forms Part V – Applications, Declarations,

& Policy Jackets

b. State Exception pages provide state specific rules and forms required to comply with state regulations.

2. Rates

RULE 101. DESCRIPTION OF COVERAGES

The following is a brief description of the coverages pro-vided by the Owners, Landlords, and Tenants policy. Please refer to the actual form for a full description of the coverages and exclusions.

* NOTE: Only those coverages for which an amount of coverage is shown the Declarations will apply.

A. COVERAGE A – LIABILITY TO PUBLIC Pays all sums which an insured shall become legally obligated to pay as damages because of bodily inju-ry or property damage arising out of an insured’s premises, subject to the limit stated in the Declara-tions.

B. COVERAGE B – MEDICAL PAYMENTS TO PUBLIC

* This is an optional coverage and is subject to the limit stated in the Declarations. Coverage is provided for medical expenses incurred by persons if bodily injury occurs in connection with the insured’s per-sonal activities; the insured premises; and to injuries arising out of animals owned by, or in the care of, an insured. Coverage applies to expenses incurred within 3 years of the date of loss. This coverage does not apply to any individual who qualifies as an insured, as defined in the Owners, Landlords, and Tenants policy.

C. ADDITIONAL COVERAGES 1. Claim and Legal Expenses

In addition to the limit of liability, this coverage pays all costs incurred to defend, including in-terest on damages awarded, prejudgment inter-est, and premiums on appeal bonds, loss of earnings, and other reasonable expenses in-curred to defend a covered claim. Payment of these expenses ceases when the limit of liability for this coverage has been paid.

RULE 102. MINIMUM LIMITS

Owners, Landlords, & Tenants Liability Coverage Minimum Limit

Coverage A – Liability To Public $100,000 CSL each occurrence

Coverage B – Medical Payments To Public (Optional Coverage)

$1,000 each person

Increased limits are available (refer to rate pages).

A. ANNUAL AGGREGATE Liability coverage is subject to an annual aggregate, which is twice the limit shown in the Declarations for Coverage A, except for pollution losses, for Com-bined Single Limits.

B. SPECIAL LIMITS FOR POLLUTION 1. Our total limit of liability for bodily injury or prop-

erty damage sustained by one or more persons in any one occurrence shall be the lesser of:

a) $100,000; or

b) The limit of liability stated in the Declara-tions, under the heading of Liability to Public Coverage – Coverage A for each occur-rence.

2. $300,000 is the maximum limit for bodily injury or property damage in any 12 month period be-ginning with the inception date of the policy or any anniversary of the inception date, regardless of the number of occurrences, losses, claims, in-jured persons, or insureds.



RULE 103. ELIGIBILITY

UNDERWRITING GUIDELINES:

A. The interest of the additional insured, if any, should be listed on the application.

B. The term “et al” or “and others” should never be used after the named insured in a policy containing liability insurance.

C. An OLT policy must be written in conjunction with property policy issued by a mutual.

D. A complete copy of the policy should be given to the insured (including the completed Declarations page, Policy Provisions, and endorsements, if any). The mutual should retain one copy for their records and send a copy of all Declarations to the Grinnell Mutual Reinsurance Department.

RULE 104. INELIGIBLE RISKS

A. OLT policies may not be issued as a stand-alone policy.

* B. Policies with more than 20 rental units are ineligible.

RULE 105. – 199. RESERVED FOR FUTURE USE


The following forms and endorsements are required to complete the policy; consult each endorsement for a de-tailed explanation of conditions and coverages. The forms and rules referenced in this section may not be available in every state. Refer to State Exception pages to verify state specific rules and forms.

RULE 200. GMRC 5300 – POLICY FORM

These policy provisions are issued by mutuals who write Affiliated Direct Liability on behalf of Grinnell Mutual or mutuals who write Reinsured Liability.

RULE 201. SPECIAL PROVISIONS

The Special Provisions amend the Owners, Landlords, and Tenants policy provisions to comply with state regu-lations. Refer to State Exception pages for state spe-cific form.

RULE 202. GMRC 1992 – FUNGI AND BACTERIA ENDORSEMENT

This endorsement limits the liability coverage provided for loss caused by Fungi and Bacteria.

RULE 203. GMRC 2255 – TRANSITION ENDORSEMENT

This endorsement clarifies defined terms may be stated in bold type or in “quotation marks”.



RULE 204. GMRC 2269 – CERTIFIED ACTS OF TERRORISM – LIABILITY

This endorsement is required to comply with the Terror-ism Risk Insurance Reauthorization Act of 2007 (The Act). It notifies the policyholder of the Federal Govern-ment’s role if an act of terrorism occurs and is deemed to be a Certified Act of Terrorism, as defined by The Act.

This is a mandatory non-premium bearing endorsement when attached to OLT Affiliated Direct Liability and OLT Reinsured Liability policies. When an OLT Reinsured Li-ability policy is issued by a Reinsured Liability mutual, it is conditional/mandatory as described below:

A. Mandatory – If mutual does not charge for GMRC 2269.

B. Optional – If mutual charges. The insured must be given the opportunity to reject or accept this en-dorsement annually, at each renewal or anniversary.

If rejected, GMRC 2270 RL, described below, must be attached. Refer to Rules 213, 214, 215, and 216 for information regarding annual notices and rejec-tion forms.

RULE 205. GMRC 2270 RL – LIABILITY EXCLUSION FOR CERTIFIED ACTS OF TERRORISM (Available in MN, MT, MO, ND, NE, SD, and WI)

This endorsement is required to comply with the Terror-ism Risk Insurance Reauthorization Act of 2007 (The Act). It must be attached when the policy is issued by a Reinsured Liability mutual that is charging for GMRC 2269, and the insured rejects GMRC 2269, as described in Rule 207.

If the mutual writes the liability coverage and charges premium for GMRC 2269, this exclusion must be at-tached to the policy if GMRC 2269 is rejected by the in-sured.

If coverage is rejected, the policyholder must be given the opportunity to continue to reject GMRC 2269, or to accept this coverage, annually (at renewal or anniver-sary). Refer to Rules 213, 214, 215, and 216 for infor-mation regarding annual notices and rejection forms.

RULE 206. GMRC 2273 – ANNUAL AGGREGATE ENDORSEMENT (Not available in IL)

This endorsement adds an annual aggregate limit to the policy, which is two times the per occurrence limit stated in the Declarations for Liability to Public – Coverage A, if the policy is written with combined single limits.

RULE 207. GMIL 4709 – PUNITIVE DAMAGES EXCLUSION (Not available in NE)

This endorsement adds an exclusion to clarify there is no duty, under the policy, to pay a punitive damages judgment, or any interest or expenses derived or at-tributed to same.

RULE 208. GMRC 5301 – COMBINED SINGLE LIABILITY LIMITS ENDORSEMENT

This endorsement deletes the split limit settlement terms in Condition 3. Limits of Liability and replaces them with the terms and conditions applicable to combined single limits.

RULE 209. GMIL 7001 – PRIVACY NOTICE (Conditional/Mandatory)

This notice is required to comply with the Gramm-Leach-Bliley Financial Services Modernization Act of Novem-ber, 1999, which requires each insurer and agency to in-form all policyholders of their privacy policies.

This notice must be sent annually to all policyholders if any coverage is provided by Grinnell Mutual.

RULE 210. RC 57 – INSURED PREMISES DEFINITION (Not available in SD)

This endorsement revises the definition of insured prem-ises or residence premises to mean a one- to four-family dwellings.

*

*



RULE 211. RC 7009 – NOTICE – OFFER OF COVERAGE FOR CERTIFIED ACTS OF TERRORISM, DISCLOSURE OF PREMIUM, REJECTION STATEMENT (Available in MN, NE, ND, OK, & SD)

Applies to Reinsured Liability mutuals only; not applica-ble if the liability coverage is written by Grinnell Mutual .

This notice applies only if the mutual is charging premi-um for GMRC 2269. It discloses the amount of premium charged for GMRC 2269 and includes the ‘rejection form’ that must be signed by the insured if this coverage is not wanted.

Note: If GMRC 2269 is rejected, mutual must attach GMRC 2270RL – Refer to Grinnell Mutual on-line Info-Page for detailed information about these forms/notices.

RULE 212. RC 7010 – NOTICE – OFFER OF COVERAGE FOR CERTIFIED ACTS OF TERRORISM, DISCLOSURE OF PREMIUM, REJECTION STATEMENT (Available in MT, MO & WI)

Applies to Reinsured Liability mutuals only; not applica-ble if the liability coverage is written by Grinnell Mutual.

This notice applies only if the mutual is charging premi-um for GMRC 2269. It discloses the amount of premium charged for GMRC 2269 and includes the ‘rejection form’ that must be signed by the insured if this coverage is not wanted.

Note: If GMRC 2269 is rejected, mutual must attach GMRC 2270RL – Refer to Grinnell Mutual on-line Info-Page for detailed information about these forms/notices.

RULE 213. RC 7013 – NOTICE – OFFER OF COVERAGE FOR CERTIFIED ACTS OF TERRORISM, DISCLOSURE OF PREMIUM (Available in MN, ND, NE, OK, & SD)

Applies to Reinsured Liability mutuals only; not applica-ble if the liability coverage is written by Grinnell Mutual.

Each mutual is required to make coverage available and give mandated disclosure notice annually, even if the in-sured previously rejected terrorism coverage (per RC 7009). Therefore, this notice must be mailed annually, with each anniversary and/or renewal, to advise the in-sured of the option to accept GMRC 2269.

RULE 214. RC 7014 – NOTICE – OFFER OF COVERAGE FOR CERTIFIED ACTS OF TERRORISM, DISCLOSURE OF PREMIUM (Available in MT, MO & WI)

Applies to Reinsured Liability mutuals only; not applica-ble if the liability coverage is written by Grinnell Mutual .

Each mutual is required to make coverage available and give mandated disclosure notice annually, even if the in-sured previously rejected terrorism coverage (per RC 7010). Therefore, this notice must be mailed annually, with each anniversary and/or renewal, to advise insured of the option to accept GMRC 2269.

RULE 215. GMRC 5304 – PERSONAL INJURY COVERAGE (FOR RENTED DWELLINGS ONLY)

This endorsement extends Liability To Public Coverage – Coverage A to include personal injury, meaning bodily harm, shock, or mental anguish which arises out of false arrest, detention or imprisonment; malicious prosecution; libel, slander, defamation of character; invasion of priva-cy; wrongful entry, wrongful eviction;, or oral, televised, videotaped, electronic, or written publication of material that violates a person’s right of privacy. Coverage is af-forded only if the act of personal injury is committed by or on behalf of an insured who is the owner, landlord, or lessor of the room, dwelling, or premises to which this policy applies.

Note: This endorsement is not applicable if the OLT poli-cy is issued on a seasonal dwelling which is primarily occupied by the owner.

RULE 216. GMIL 4791 – CIVIL UNION ENDORSEMENT

This form amends any reference to a spouse by includ-ing a person who has entered into a civil union with the Named Insured. This amendment applies only if he or she lives with the Named Insured and the law of the state in which the Named Insured lives recognizes the legal validity of a civil union.

*

*



RULE 217. GMIL 4618 – OIL, GAS, OR INJECTION WELL LIABILITY EXCLUSION

Clarifies there is no coverage for injury or damages aris-ing out of oil, gas, or injection wells with respect to pollu-tion liability, contractual liability, or any claim of common law or statutory nuisance or trespass.

RULE 218. GMIL 4670 – MAXIMUM LIABILITY LIMIT WITH MULTIPLE POLICIES

This endorsement clarifies when Grinnell Mutual or a mu-tual provides multiple liability coverages to an insured, the maximum loss payment will be no more than the highest applicable limit under any one policy.

RULE 219. GMIL 4660 – MUTUAL CONDITIONS (Conditional/Mandatory – must be attached only if the liability is written by Grinnell Mutual)

This is a conditional/mandatory endorsement that must be attached only if the liability is written by Grinnell Mutual. This endorsement notifies the insured of the date and time they can (as members) attend the annual meeting.

RULE 220. GMIL 4684 – STATEMENT OF LIABILITY INSURANCE CARRIER (Conditional/Mandatory – must be attached only if the liability is written by Grinnell Mutual)

This is a conditional/mandatory endorsement that must be attached only if the liability is written by Grinnell Mutual. This endorsement modifies the definition of “we”, “us”, and “our” to clarify that Grinnell Mutual is the liability insurer.

RULE 221. GMIL 4693 – IN CARE OF INSURED DEFINITION

This endorsement amends the definition of you, your and Named Insured to clarify any person or entity listed after the symbols or abbreviations of C/O, % or Attn: in the Dec-larations are not entitled to coverage under the policy un-less specifically listed as an Additional Named Insured or through operation of the terms of the policy.


PART III – RESERVED FOR FUTURE USE


PART IV – OPTIONAL LIABILITY COVERAGES

The following optional forms are available under the Owners, Landlords, and Tenants Program.

RULE 400. GMRC 911 – POLICY ENDORSEMENT

This is a manuscript endorsement that can be used to broaden or restrict coverage with respect to unique situa-tions. The endorsement may remain on the policy during subsequent policy periods, until the unique situation no longer exists and the endorsement is deleted, or until the policy is cancelled. Contact the Grinnell Mutual Direct Un-derwriting or Reinsurance Departments if this endorse-ment is needed.

RULE 401. GMRC 1922-24 – MULTIPLE PURPOSE ENDORSEMENT

This endorsement is designed to tailor the liability cover-age to meet the needs of the insured. The following en-dorsements are available.

A. GMRC 1922 – ADDITIONAL INSURED (LIMITED FORM)

This endorsement extends liability coverage to the designated individual(s) or organization(s) only with respect to liability arising out of the ownership, maintenance or use of the insured premises.

Note: The maximum limit of liability applies per occur-rence – not per insured. Attachment of this endorse-ment may decrease the amount of coverage available to the named insured.

B. GMRC 1923 – ADDITIONAL PREMISES

This endorsement extends coverage to include addi-tional premises for vacant land or timberland not used or rented for any agricultural activity (i.e.: growing crops or maintaining livestock).

C. GMRC 1924 – CONSTRUCTION PERMIT

This endorsement extends liability coverage to land on which a residence dwelling is being built by or for the named insured. It is good for one policy period only and terminates automatically with the expiration date unless renewed.

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GMRC OLT 07/18 OLT-GR-7 Multistate General Rules

RULE 402. GMIL 4757 – RACE TRACK EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured for use of a race track of any type whether or not for a charge.

RULE 403. GMIL 4758 – ROADSIDE PARK/CAMPGROUND EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured for use of a recreational facility, including a picnic area or camp ground.

RULE 404. GMIL 4759 – SHOOTING RANGE EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured for a shooting range of any type open for use by a group, club, or organization, whether or not for charge.

RULE 405. GMIL 4760 – BULLDOZING/EXCAVATION EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising from an excavation operation performed for hire.

RULE 406. GMIL 4761 – FOOD PREPARATION/PROCESSING EXCLUSION

This endorsement excludes bodily injury or property damage arising from the preparation, processing, trans-portation, or sale of manufactured food products for a charge.

RULE 407. GMIL 4762 – SAWMILL EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising out of any sawmill that operates for a charge.

RULE 408. GMIL 4763 – ROCK QUARRY/GRAVEL PIT EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising out of any rock quarry or gravel pit operation lo-cated on the insured premises.

RULE 409. GMIL 4764 – MANURE HANDLING EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising out of hauling, pumping, transportation, or spreading of manure or any related activity, for hire.

RULE 410. GMIL 4766 – DOG BREEDING EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising out of a dog breeding operation or related activity.

RULE 411. GMIL 4767 – AUCTIONEER EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising out of the ownership, operation, or maintenance of auctioneering activities, whether performed on or off the insured premises.

RULE 412. GMIL 4768 – BEAUTY OR BARBER SHOP EXCLUSION

This endorsement excludes bodily injury or property damage incurred by any person, employee, or insured arising out of the ownership, operation, or maintenance of any beauty shop or barber shop located on the in-sured premises.




PART V – APPLICATIONS, DECLARATIONS, & POLICY JACKETS

An application is required to provide information to de-termine acceptability and to underwrite and rate the risk. The Declarations page is part of the policy, and the Poli-cy Jacket completes the new business policy.

RULE 500. RC 70 & RC 70 25W – POLICY JACKETS

RC 70 – This policy jacket may be used by all mutuals in all states (except Direct Wind companies) when Grinnell Mutual writes the liability coverage. This jacket identifies both companies as to the coverage provided and in-cludes annual meeting information for both companies.

* RC 70 25W – This policy jacket may be used in MN by Direct Wind companies only. This jacket identifies the mutual as the Fire and Allied Perils insurer and Grinnell Mutual as the insurer for Windstorm, Hail, and Liability coverages and includes annual meeting information for both companies.

RULE 501. RC 92 – POLICY JACKET

* This policy jacket identifies the company that issued the policy; includes the mutual’s logo, annual meeting infor-mation and any other information required by statute. This jacket may not be used if any coverage is provided by Grinnell Mutual.

RULE 502. RESERVED FOR FUTURE USE

RULE 503. GMRC 5300A – OWNERS, LANDLORDS, AND TENANTS APPLICATION

The application provides the information necessary to underwrite and rate the risk when the OLT coverage is written by Grinnell Mutual, on policies issued by the mu-tuals. This application form may be used for new busi-ness, changes, and renewals.

RULE 504. GMRC 5300A RL – OWNERS, LANDLORDS, AND TENANTS APPLICATION (In MT use GMRC 5300A MTRL)

This application provides the information necessary to underwrite and rate the risk when the OLT coverage is written by the mutual. This application form may be used for new business, changes and renewals.

RULE 505. RC 80 – APPLICATION (In IL use RC 80 IL, In MO use RC 80 MO, In SD use RC 80 SD)

This application provides the information necessary to underwrite and rate the risk when the OLT coverage is written by Grinnell Mutual in conjunction with property coverage which is written by the mutual. This application form may be used for new business, changes and renewals.

RULE 506. RC 80 RL – APPLICATIONS (In MO use RC 80 MORL, In SD use RC 80 SDRL)

* This application provides the information necessary to underwrite and rate the risk when the property and OLT coverages are written by the mutual. This application form may be used for new business, changes and renewals.


RULE 511. RC 157 – CHANGE IN COVERAGE ENDORSEMENT

This endorsement is used as a supplement to the Decla-rations page for a change in coverage. This can be used by mutuals writing AFD and RL coverage.


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GMRC OLT 01/12 OLT-R-1 SD Rates

OWNERS, LANDLORDS, AND TENANTS MANUAL SOUTH DAKOTA RATE SCHEDULE

LIABILITY BI/PD – Per Dwelling

DWELLING TYPE LIMITS

100,000 300,000 500,000 1,000,000

One or Two Family .................................................................... 27.00 32.00 35.00 43.00

MEDICAL BI/PD – Per Dwelling

DWELLING TYPE LIMITS

1,000 2,000 5,000 10,000

One or Two Family .................................................................... 7.00 9.00 13.00 16.00

OPTIONAL ENDORSEMENTS

FORM NO. FORM TITLE LIMITS

100,000 300,000 500,000 1,000,000

GMRC 1922 Additional Insured (Limited) ........................ N/C N/C N/C N/C

GMRC 1923 Additional Premises .................................... 5.43 6.01 6.46 8.16

GMRC 1924 Construction Permit .................................... 6.50 7.23 7.72 9.80

Documents

Owners, Landlords and Tenants Manual (01/20) - SD · GMRC OLT 01/20 OLT-PC-1 SD Page Checklist OWNERS, LANDLORDS, AND TENANTS MANUAL SOUTH DAKOTA PAGE CHECKLIST MANUAL PAGE CHECKLIST