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The Hartford NOTICE TO POLICYHOLDER CALIFORNIA WORKERS' COMPENSATION INSURANCE RATING LAWS PISSI-ant to Section 11 ❑i1.8 of t0e California Insi-i-ance Code, we are promding yo❑ wit[] an eEplanation of fie California worE:Ors❑compensation rating laws applicade to new and renewal policies wit[] policy effectiC:0 dates on and after ::8ni:ary 1, 199�:! Ti❑e laws re❑ring all insiiers to Clarge t0e same minim::n rate iEniformly to all employers witi�n a gi::On classification his ileen repealed. Beginning i:an:lary 1, 199❑, we will esta�lis❑ of own rates for worl�ersi❑ compensation. 0-ir rates will not 00 applica�le prior to tE8 first normal policy effecti-:0 date of a policy incepting on or after i:ani-ary 1, 199❑. OFT rates, rating plans and related information are filed witi❑t❑ e Ins:1rance Commissioner and are open for p❑EJic inspection. 2. Ti❑e Insisance Commissioner can disapproEo oi-i- rates, rating plans or classifications only if 00 iOas determined after p❑i lic raring t:18t os rates mig::t :6opardi::6 oil ai-Jlity to pay claims or create a monopoly in tie mar::Ot. A monopoly is defined iEy law as a marEot wire one insider writes 20❑ or more of t❑at part of tie California wor::Ors❑ compensation insi-irance tiFat is not written ❑y tie State Compensation Ins:1rance Find. If tip insFirance Commissioner disappro::Os o!-ir rates, rating plans or classification, Ele may order an increase in tip rates applicaiFle to o❑tstanding policies. 3. Rating organi❑8tions may de::Olop p:1re premi::n rates w::Jc❑ are s❑❑Act to tip Ins:1rance Commissioners approi❑al. A p0re premi::n rate reflects t0a anticipated cost and e:A)enses of claims per 0100 of payroll for a gi::On classification. Pore premi-n rates are ad:1sory only, as we are not re❑i�red to sib tija p:1re premiEn rates de::Oloped Ey any rating organiCation in esta:lisi❑ing oil own rates. 4. We m❑st ad ❑ere to a single, ❑niform eEperience rating plan. If yo❑ are eligiEle for eEperience rating Ender tip plan, we will ❑e re❑EJred to ad❑8t yoFir premiEn to reflect yob claim EJstory. A ❑etter claim EJstory generally resdts in a lower eEperience rating modification❑more claims, or more eEpensi❑e claims, generally resdt in a EJg❑er eEperience rating modification. Ti❑e Eniform eEperience rating plan deEoloped ❑y t❑e instance rating organiE:8tion designated ❑y t❑e Instance commissioner is s❑❑iect to toe approE:81 of t❑e Instance Commissioner. :1 A standard classification system deiceloped i❑y tip insiFi-ance rating organii❑ation designated i❑y t0e Instance Commissioner is si❑❑:Oct to approi❑al of toe InsiErance Commissioner. Ti❑e standard classification system is a met❑od of recogniiJng and separating policyi❑olders into ind::8try or occi—pational groEps according to t0eir similarities and/or differences. We can adopt and apply tip standard classification system or de::Olop and apply oil- own classification system, pro:1ded t0at we can report t0e payroll, ei[penses and ot:1er costs of claims in a way w::Jc❑ is consistent wit❑ tip standard classification system. 6. Oil rates and classifications may not !Jolate to ❑nr❑❑ CiE]l Rig-ts Act or De Affairly discriminatory. :1 We will proude an appeal process for yo❑to appeal t❑ e way we rate yos insFirance policy. T❑e process will re❑iJre ::8 to respond to yoi-i- written appeal wit- n 30 days. If yo❑ are not satisfied wit❑ tip resift of yoij appeal, yo❑ may appeal oil decision to to Insi-irance Commissioner. Form WC 66 02 05 A Printed in ❑.S.A.