Ins 6.785(4)(d) (d) Rates for risks developing annual increased limits written premium determined by customary rating procedures of $5,000 or more.

Ins 6.785(4)(e) (e) Rates for risks developing $50,000 or more annual manual basic limit premium individually or in any combination of general liability insurance, commercial automobile, crime or glass.

Ins 6.785(4)(f) (f) Rates for liability insurance increased limits if the risk is reinsured on a facultative basis.

Ins 6.785(4)(g) (g) Rates for an adjustment of the aggregate limit of general liability insurance at any time during the policy period.

Ins 6.785(4)(h) (h) Rates for coverage which is materially broader or more restrictive than the coverage upon which the manual rate is based.

Ins 6.785(4)(i) (i) Rates for commercial property and casualty risks developing $50,000 or more in annual premium, except for any of the following:

Ins 6.785(4)(i)1. 1. Workers’ compensation insurance.

Ins 6.785(4)(i)2. 2. Medical malpractice liability insurance.

Ins 6.785(4)(i)3. 3. Any coverage issued under an assigned risk plan or through a residual market pool or residual market facility.

Ins 6.785(4)(i)4. 4. Any insurance that provides coverage for primary personal, family, or household purposes.

Ins 6.785(5) (5) Utilization of rate filing exemption. An insurer or a rate service organization wishing to utilize the rate filing exemption or modification granted by sub. (4) shall have on file with the commissioner rating rules pertaining to the situations described in sub. (4).

Ins 6.785(6) (6) Disapproval of filed rules. If the commissioner determines that a rating rule does not meet the rate standards set forth in s. 625.11, Stats., the commissioner may exercise the authority granted by s. 625.22, Stats., and disapprove the rate.

Ins 6.785(6g) (6g) Form filing exemption. The commercial property and casualty insurance policy forms identified in pars. (a) and (b) are exempt from the filing requirements set forth in s. 631.20 (1) (a), Stats., provided the insurer complies with any requirements of chs. 600 to 655, Stats., and the Wisconsin Administrative Code that govern the content of such policy forms.

Ins 6.785(6g)(a) (a) The following commercial property and casualty forms developing $50,000 or more in annual premium are exempt:

Ins 6.785(6g)(a)1. 1. Aircraft hull and liability;

Ins 6.785(6g)(a)2. 2. Surety;

Ins 6.785(6g)(a)3. 3. Fidelity;

Ins 6.785(6g)(a)4. 4. Boiler and machinery;

Ins 6.785(6g)(a)5. 5. Environmental impairment/pollution liability;

Ins 6.785(6g)(a)6. 6. Kidnap and ransom;

Ins 6.785(6g)(a)7. 7. Political risk or expropriations; and

Ins 6.785(6g)(a)8. 8. Employment practices liability.

Ins 6.785(6g)(b) (b) The following commercial property and casualty forms developing $75,000 or more in annual premium are exempt:

Ins 6.785(6g)(b)1. 1. Commercial inland marine;

Ins 6.785(6g)(b)2. 2. Product liability; and

Ins 6.785(6g)(b)3. 3. Fiduciary liability.

Ins 6.785(6r) (6r) Disapproval of exempt forms. If the commissioner determines that a policy form subject to the filing exemption granted by sub. (6g) does not meet the standards set forth in s. 631.20 (2), Stats., the commissioner may disapprove the use of a form.

Ins 6.785(7) (7) Insurer records. An insurer using a rate subject to the exemption granted by sub. (4) or a form subject to the filing exemption granted by sub. (6g) shall maintain separate records and documentation for a period of 3 years after the rate or form is no longer used. This documentation shall include all details of the factors used in determining the rate or classification for a particular risk, including conditions used to qualify a rate for an exemption under sub. (4). The insurer shall provide these records to the commissioner upon request.

Ins 6.785(8) (8) Policyholder notice. Any policy exempt from filing under sub. (6g) shall include, at the time of issuance, a notice advising the policyholder that the policy includes forms and policy terms that have not been filed with or reviewed by the commissioner of insurance.