1. (1) Each insurer shall submit manual pages and a checklist page or manual revision notice specifying the rule of application, effective date and the page number of:

   1. (a) Each new (or revised) manual page included with the filing.
   2. (b) Each existing manual page being replaced by a new (or revised) manual page.
   3. (c) Each existing manual page being deleted and not replaced.
   4. (d) Each unchanged manual page that continues to be applicable if requested by the Office.

2. (2) The following shall be included on each manual page:

   1. (a) Insurer Name(s);
   2. (b) Line of Business and Program Name (if applicable);
   3. (c) Page Number (each page should have a unique number); and
   4. (d) Revision Date or other Date connected with the filing, e.g., filing date, effective date, editing date, etc. (specify the type of date used).
3. (3) (a) Insurers shall include a separate cover letter and manual for each line of business, as designated in paragraph (c) below.
4. (b) Except for private passenger automobile insurance, homeowners and dwelling fire and liability, insurers authorized by a rating organization to utilize the rating organization’s loss costs and rules, after those loss costs and rules have been approved for use by the Office, need only file the loss cost multiplier to be used with those loss costs.

5. (c) For purposes of identifying filings submitted to the Office, a line of business shall be identified by one of the following. Additional identification may be used as needed. Filings for types of insurance not on this list should contain appropriate identification.

   1. Boiler and Machinery.

   2. Commercial Automobile.

   3. Commercial Fire and Allied Lines (including Glass).

   4. Commercial Inland Marine.

   5. Commercial Multiple Line.

   6. Credit Property and Credit Automobile.

   7. Crime.

   8. Farm.

   9. Fidelity and Surety.

   10. Other Liability (including Excess and Umbrella Coverage).

   11. Homeowners.

   12. Mobile Homeowners.

   13. Personal Inland Marine.

   14. Personal Liability.

   15. Personal Property.

   16. Private Passenger Automobile.

   17. Professional Liability.

   18. Dwelling Fire and Liability.

6. (d) Insurers that submit filings on a group basis may submit manual pages on a group basis, provided each manual page identifies the insurers to which it is applicable.
7. (4) (a) All private passenger automobile and homeowners insurance underwriting guidelines, for both new and renewal business, are subject to filing requirements.
8. (b) For filings involving base rate adjustments other than private passenger automobile and homeowners, insurers shall describe in sufficient detail all changes to the underwriting guidelines since the inception of the submitted experience period in order that the Office may ascertain the actuarial impact upon proposed rates pursuant to Section 627.062, F.S.

9. (c) For the purpose of paragraph (4)(b);

   1. Underwriting guidelines shall mean qualitative standards affecting the eligibility of risks for insurance, but do not include procedures for determining eligibility (such as delegations of binding authority).

   2. Qualitative standards shall mean standards affecting the quality of risk such as loss history, credit scoring, acceptable number of claims or claim frequencies, required loss control, or violation points or prior accidents in the case of motor vehicles; and does not include quantitative standards that relate to the size of risks (such as square footage, number of vehicles, or gross receipts) or standards that relate to the amount of coverage that will be provided.

Rulemaking Authority 624.308(1) FS. Law Implemented 624.307, 627.062(2), 627.331 FS. History–New 3-1-89, Formerly 4-72.006, 4-170.006, Amended 9-5-07.