Ins 6.785(4)(a)1. 1. The class generates insufficient loss experience to be reliably used in rating;

Ins 6.785(4)(a)2. 2. The class loss experience is so volatile as to make it unreliable;

Ins 6.785(4)(a)3. 3. Prospective losses for this class are likely to change rapidly and unpredictably; or

Ins 6.785(4)(a)4. 4. Risks within the class are so dissimilar that a single rate would not be representative of all risks in the class.

Ins 6.785(4)(b) (b) Rates for excess liability insurance provided in an amount not less than $1,000,000 in excess of a specified retained limit provided such retained limit is not less than:

Ins 6.785(4)(b)1. 1. $350,000 per occurrence as respects those exposures covered by underlying insurance; or

Ins 6.785(4)(b)2. 2. $10,000 per occurrence as respects those exposures not covered by underlying insurance.

Ins 6.785(4)(c) (c) Rates for risks developing annual products liability and completed operations insurance premiums of $5,000 or more at the basic limit.

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