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User Manual - Florida Office of Insurance Regulation

1. Required fields are missing Please select a policy to add to the program 6 21 2007 Page 47 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD EDIT CUSTOM POLICY The Add Edit Custom Policy screen will allow the user to add or edit custom policies to new and existing programs within the current filing OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection ud Add Edit Custom Policy Selected Program My Program Policy Name HO Policy Type Owners M Description Common Tasks None Screen Elements Selected Program Displays the name of the selected program If the wrong program was selected return to the previous screen and select the correct program from the list Policy Name The name of the new custom policy Policy Type The list of policy types available This policy types that appear in this list are based on the product selected during the filing creation process Description The user defined description of the custom policy Cancel button Click this button to cancel the operation and return back to the Manage Policies screen Save button Click this button to add the new custom policy and return 6 21 2007 Page 48 of 123 Version 1 00 Draft PC
2. Non Hurr Terr Set 1 Alachua Terr1 Terr2 Terra Terr4 Total Baker Terr1 Terr2 Terra Terr4 Total Grand Total Policy 1 Policy 2 Policy 3 Policy n Unlocked cells for user to enter data Locked cells that are system generated or calculated Form Elements Program The program containing the policy listed in the Policy column Column A Policy Each policy in the program with the Base Rates indicator set Column B will be listed in the Policy column Base Class The starting point from which all rates for a given policy time are derived 6 21 2007 Page 100 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Description Column C Risk Type Hurricane and Non Hurricane Column D If you uploaded and assigned one combined hurricane non hurricane territory set to the policy coverage then that territory set will be repeated twice for risk types hurricane and non hurricane Otherwise each individually uploaded and assigned territory set one for hurricane and one for non hurricane will be listed separately Territory Set Name Column E The name of the territory set assigned to the policy cover
3. At least one program and one policy coverage must exist in the current filing in order to create territory set assignments TO UNASSIGN A TERRITORY SET To unassign a territory set perform the following steps 6 21 2007 Page 59 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e From the Manage Territory Sets screen select the Unassign link of the territory set to unassign from the Program amp Policy Coverage List table e The following OK Cancel confirmation message will appear The territory set will be unassigned from this policy Are you sure you want to continue e Click the OK button to unassign the territory set from the selected policy e Click the Cancel button to cancel the operation and return back to the Manage Territory Sets screen TO UNASSIGN ALL TERRITORY SETS To unassign all territory sets perform the following steps e From the Manage Territory Sets screen select the Unassign All link e The following OK Cancel confirmation message will be displayed The territory sets will be unassigned from all policies within all programs in this current filing Are you sure you want to continue e Click the OK button to unassign all territory sets from all policies in this filing e Click the Cancel button to cancel the operat
4. Home Help Contact Us Account Filing Search Logout S Rate Collection FILE s Replace Existing Program Existing Programs Select Program to Replace ProgramName _Companies NAIC Co Code O HOMEOWNERS POLICY PROGRAM HO 12345 67890 Select Companies for New Program I Company Name NAIC Co Code NAIC Group INSURANCE COMPANY ABC 12345 1234 INSURANCE COMPANY DEF 67890 1234 Cancel Save None Screen Elements New Program Name The name of the new program to create Existing Programs Lists all the current programs associated with the Select Program to companies participating in this filing Replace list Program Name The name of the existing program Companies NAIC Company Code A comma delimited list of companies by NAIC company code using the program Select Companies The list of companies currently participating in this filing for New Program list Company Name The full company name 6 21 2007 Page 35 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS NAIC Co Code The NAIC company code NAIC Group The NAIC group code Cancel button Click this button to cancel the replace existing program operation and return back to the Manage Programs screen Save button Click this button to save the new prog
5. Xd Required fields are missing A name must be provided If you do not select 2 or more programs from the Existing Programs list you will receive the following message 6 21 2007 Page 33 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS XJ Required fields are missing Select at least two programs to merge If you do not select any companies from the Select Companies for New Program list you will receive the following message e Required fields are missing At least one company must be selected If you enter a program name that is already in use you will received the following error message A business rule violation occurred The program name you have entered is already being used Please enter a different program name 6 21 2007 Page 34 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS REPLACE EXISTING PROGRAM The Replace Existing Program screen allows for the replacing of existing programs within the current filing As part of the program replacement process enter a program name select the program to replace and select the appropriate companies from the list OFFICE OF INSURANCE REGULATION
6. Commercial Auto Physical Damage Only 6 21 2007 Page 86 of 123 PCRDCMS RCS User Manual Draft v1 00 20070620 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE COMPONENT FORMS Rate component forms are individual elements within the Rate Component List screen In order to be able to submit the filing each rate component must be completed The different rate component forms that exist in the Rate Collection System are as follows e Premium Breakdown e Rating Examples e Rate Level Effect Forms e Rate Level Effect Forms All Coverages Auto Only e Statewide Rate Level Effect Depending on the type of filing new or existing program and the number of programs and policies coverages the number of components in the rate component list will vary Each rate component form excluding the Rate Level Effect All Coverages and Statewide Rate Level Effect forms within the rate component list will be completed by the filer based on a system generated template in the form of an Excel spreadsheet Once the forms are generated downloaded and completed save it and then upload it back to the filing If the form has been filled out completely the status for that rate component will be set to Complete for original filings and Included for response filings NOTE For Rate Level Effect All Coverages and Statewide Rate Lev
7. MERGE EXISTING PROGRAMS The Merge Existing Programs screen allows the merging of two or more existing programs to a new program within the current filing As part of the merge programs process enter a program name select the programs to merge and select the appropriate companies from the list OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE Line Merge Existing Programs Existing Programs Select at least 2 Programs to Merge Ez Program Name Companies NAIC Co Code L1 AFFINITY PREFERRED HO L1 AFFINITY STANDARD HO 12345 g RETAIL PREFERRED HO 67890 L1 RETAIL STANDARD HO 57890 Select Companies for New Program D Name NAIC Co Code L1 INSURANCE COMPANY ABC 12345 1234 INSURANCE COMPANY DEF 67890 1234 None Screen Elements New Program Name The name of the new program to create Existing Programs Lists all the current programs associated with the Select at least 2 companies participating in this filing oe to Merge Program Name The name of the existing program is Companies NAIC Company Code A comma delimited list of companies by NAIC company code using the program 6 21 2007 Page 32 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Select Com
8. PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Home Help Contact Us Account Filing Search Logout Rate Collection eae Rate Level Effect All Coverages Select Level C Filing Program Select Program MUTUAL PRIVATE PASSENGER PPA oat Policy Coverages COMP zi Standard List of Earned Car Earned Premium Current Annual Proposed Annual Current Rate Level Base Rate Base Rate Alachua 1 454 00 3 444 00 3 047 00 3 096 00 Alachua Balance 464 00 3 189 00 2 681 00 2 813 00 Baker 1 495 00 2 184 00 2 947 00 2 971 00 Bay 1 493 00 2 734 00 2 976 00 3 378 00 Bay Balance 449 00 3 217 00 2 275 00 2 379 00 Bradford 1 500 00 3 207 00 2 547 00 2 548 00 Brevard 1 461 00 3 250 00 2 843 00 2 892 00 Brevard Balance 461 00 2 630 00 3 115 00 2 855 00 Broward 1 420 00 2 145 00 2 594 00 3 557 00 Broward 2 488 00 2 438 00 2 521 00 2 478 00 Broward 3 424 00 2 470 00 2 619 00 2 756 00 Broward 4 486 00 2 489 00 2 942 00 2 690 00 Broward 5 406 00 3 162 00 2 970 00 2 520 00 Broward 6 430 00 3 258 00 3 450 00 3 322 00 Broward 7 472 00 3 408 00 2 838 00 2 784 00 Broward Balance 466 00 2 627 00 2 903 00 2 582 00 Calhoun 1 392 00 2 562 00 2 820 00 2 865 00 Charlotte 1 448 00 3 002 00 2 963 00 2 384 00 Citrus 1 500 00
9. Premium Column M The average earned premium for the latest annual period at the current rate level Proposed Average The average earned premium for the latest annual period at 6 21 2007 PCRDCMS RCS User Manual Draft v1 00 20070620 Page 101 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Premium the proposed rate level Column N Policy Will appear as separate tabs worksheets within the form Worksheets The policies coverages are listed for each program in the current filing 6 21 2007 Page 102 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE LEVEL EFFECT VERSION B Properties of rate level effect version B e Rate Level Effect forms are required for each existing program that has at least one policy coverage with the Update Rates indicator set e Each Program will be a separate rate level effect component e Each Policy Coverage will be a tab within each program e Editable fields are shaded in light yellow e Non editable fields are shaded in gray A B Cc D
10. Territory Set assigned to the current policy coverage Policy Will appear as separate tabs worksheets within the form Worksheets The policies coverages are listed for each program in the current filing 6 21 2007 Page 106 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE LEVEL EFFECT ALL COVERAGES The Rate Level Effect All Coverages 578 screen is a system generated screen that is accessible via the Rate Component List The screen is read only and contains a summary of the rate level effect form data uploaded by the user at the OIR Region level This component screen will only involve the Personal and Commercial Auto products They can view the summary at the program and filing levels Please refer to the table below for the specific column mappings by rate collection product i e line Rate Level Effect All Coverages Column Mappings table Personal Auto X X X X X X X Commercial Auto X X X X X Legend A Earned Car Years B Number of Policies C Earned Premium Q Current Rate D Earned Premium E Current Base Rate F Proposed Base Rate G Current Average Annual Premium H Proposed Average Annual Premium I Annual Change 6 21 2007 Page 107 of 123 Version 1 00 Draft
11. 12 17 PM Incomplete Statewide Rate Level Effect 5 28 2007 4 12 17 PM Incomplete e Make Changes Rating Example for HO 3 5 28 2007 4 12 17 PM Incomplete Return to Filing Rating Example for HO 4 5 28 2007 4 12 17 PM Incomplete Component List Rating Example for HO 6 5 28 2007 4 12 17 PM Incomplete PROGRAM B Statewide Rate Level Effect 5 28 2007 4 12 17 PM Incomplete Rate Level Effect 5 28 2007 4 12 17 PM Incomplete Rating Example for HO 6 5 28 2007 4 12 17 PM Incomplete Rating Example for HO 3 5 28 2007 4 12 17 PM Incomplete Rating Example for HO 4 5 28 2007 4 12 17 PM Incomplete Common Tasks Return to Rate Collection Click this link to navigate back to the Rate Collection Workbench Workbench screen NOTE You can only view the filing setup information in read only mode if you return to this screen after the rate component list is generated To make changes to the filing setup information click the Make Changes link Make Changes Click this link to make changes to the current filing setup information i e programs policies coverages territory sets specialties class code sets etc after the rate component list is generated See To Make Changes to the Current Filing topic Returns the user to the Filing Component List I File Return to Filing 6 21 2007 Page 18 of 123 PCRDCMS RCS User Manual Draft v1 00 20070620 Version 1 00 Draft The North Highland Team Florida Office of Insurance Reg
12. 3 167 00 2 634 00 2 346 00 Clay 1 351 00 2 487 00 2 646 00 3 046 00 1234567 Cancel Save Common Tasks None Screen Elements Select Level Two levels options in which to view the rate level effect data Filing Selecting the filing level will display all 6 21 2007 Page 108 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS policies coverages from the entire filing in the Policies Coverages list Program Selecting the program level will allow you to choose a program from a list of programs displayed on the screen All policies within the selected program will be displayed in the Policies Coverages list Select Program list The Select a Program list will contain either the new or existing program list for only those programs that have changed in the current filing The Select a Program list will default to the program associated with the Rate Level Effect All Coverages component from the Rate Component List screen Policies Coverages list Lists all policies coverages from either the entire filing if Filing level selected or the selected program if Program level is selected Rate Level Effect Data table Lists the OIR standard Regions in the first column The remaining columns that will display are based on
13. 52 To Update Rates For a Coverage issssssssssssssseses enses eese esee 52 To Edit a Custom Coverage sssssssssssssssessene ense mese esee nemen nemen 53 TO Delete a Coverage ee veg utet eps var wee eoru Y va er Ka d cr Y NR ai ca 53 ADDSTANDARDCOVERAQGL ore tO narar Eene EP a AE Aa Ea ES esau E oU NEVER PEE A E Ta 54 To Add a Standard Coverage sssssssssssssssessseneseenesee esee senes 55 ADD EDIT CUSTOM COV ERAGE ita sbesiet aru sepa eH gea ue a Qd ob o PNE Re NY PEE PELE KESEREK PEKEE EREEREER E MESE EKET 56 To Add a Custom Coverage sssssssssssssesssessene senes 57 MANAGE TERRITORY SETS sissies rte tees seca scons y YER exu ERE ERE vans saanasuenessssesvocucssvnansvasespsvassaeeecestoaeocastes 58 To Unassign d Territory Set eee eR AER RR ROER ERRARE KHU AR ERR NEA nel ARE REFS 59 To Unassign All Territory Sets ssssssssssssssssseessensnmeeme seems esee 60 To Delete a Territory Seb eee exe ia ER IR IHE EERIARR ER RRRRRCKRRAAKA ERE KEEN EE AERE SERIE 60 ADD TERRITORY SET rr 61 To Download a Template ree rrt idee ex nee rr reae v ra dena XR d ER Fx Rain 62 To Upload a Territory S6t iicet ERR e RA TRO NEAR REKRR KE RR EURMA Dd 62 ASSIGN TERRITORY SET 45uccsstestema ute e eievu Eee tX oud suse eeu tva eei tu pine eet vu AEA 64 To Assign a Territory Set at the Filing Level csse 67 To Assign a Territory Set at the Program Level ssesseeee
14. Click the Yes button to delete inactivate the policy and return back to the Manage Policies screen e Click the No button to cancel the delete inactivate policy operation and return back to the Manage Policies screen 6 21 2007 Page 45 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD STANDARD POLICY The Add Standard Policy screen provides the Functionality to add standard policies to new and existing programs within the current filing OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout A Rate Collection FILE hs Add Standard Policy Selected Program My Program 4 Select a Standard Policy l Policy Name e PolicyType o H0 1 Owners O Ho 2 Owners O Ho 3 Owners O HO 4 Tenants O HO 6 Condominiums O Ho 8 Owners Description Basic Form This policy type typically covers the dwelling other structures and personal property against fire or lightning windstorm or hail explosion riot or civil commotion aircraft vehicles smoke vandalism malicious mischief theft and glass breakage Common Tasks None Screen Elements Selected Program Displays the name of the current program If the wrong program name was selected return to the previous screen and select the correct program
15. Column A Policy Each policy in the program with the Base Rates indicator set Column B will be listed in the Policy column See To Update Rates For a Policy or To Update Rates For a Coverage topic 6 21 2007 Page 105 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Specialty Class Code Column C Lists all the counties regions that were included in the territory set associated with this policy coverage Total Amount of Insurance Column D For all property lines of business the total amount of insurance is the maximum amount of property loss on insured properties This includes coverage for structures appurtenant structures contents loss of use and all additional property coverages Number of Policies Column D Number of policies in force as of the 12 month ending date Earned Premium Column D The premium associated with coverage provided during the latest annual period Current Average Annual Premium Column D The average earned premium for the latest annual period at the current rate level Proposed Average Annual Premium Column D The average earned premium for the latest annual period at the proposed rate level Territory 1 n Columns E F G H For each column display each Territory code from the
16. F G H l d Program Policy couno mentary Data Specialty 1 Specialty 2 Specialty 3 Specialty 4 Specialty n Region Code My Program Policy 1 Alachua Terr1 Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium Terr2 Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium Terr3 Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium Baker Terr1 Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium Terr2 Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium Policy 1 Policy 2 Policy 3 Policy n Locked cells that are system generated or calculated Unlocked cells for user to enter data Form Elements Program The program containing the policy listed in the Policy column Column A Policy Each policy in the program with the Base Rates indicator set Column B will be listed in the Policy column See To Update Rates For a Policy topic County Region Lists all the counties regions that were included in the 6 21 2007 PCRDCMS RCS User Manual_Draft_v1 00_20070620 Page 103 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Co
17. Filing Workbench Return to Filing Clicking this link will navigate to the Filing Workbench I File Workbench screen 6 21 2007 Page 84 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE COLLECTION PRODUCTS The table below represents a list of all the products using the Rate Collection System Rate Line of Business Type of Insurance Sub Type of Insurance Collection Product Personal Lines Private 192 Private Passenger Passenger Auto Full Coverage or Auto Liability Only 211 Private Passenger Auto Physical Damage Only Dwelling 010 Property Fire 01 0 Property 01 0002FL Personal Fire Dwelling Fire Homeowners 040 Homeowners Multi Peril Mobile 540 Mobile Home Multi Homeowners Peril 550 Mobile Home Physical Damage Only Commercial Lines Commercial 010 Property Fire 01 0 Property 01 0001FLA Commercial Residential Residential Condominium Association Only 010 Property Fire 01 0 Property 01 0002FLA Commercial Residential Excluding Condo Assn 050 Commercial Multi 05 0 Indivisible Package 05 0002FLA Residential Peril Condominium Association Only 050 Commercial Multi 05 0 Indivisible Package 05 0002FLB Residential Peril Excluding Condo Assn Business 050 Comme
18. From the Manage Territory Sets screen click the Assign link of the territory set to assign and the Assign Territory Set screen will appear 6 21 2007 Page 67 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e Select the Program option NOTE If the Program option is disabled see the Assign Territory Set screen overview for a detailed description e The Select a Program multi selection list will display listing all programs that do not have any territory sets assigned to their policies coverages Territory Set Name Homeowners Territory Set Territory Risk Type Non Hurricane Select Level OFiling Program O Policy Select a Program ProgramName Companies PROGRAMA 12345 67890 PROGRAMB 12345 e Select one or more programs from the list e Click the Save button All policies coverages within the selected programs will be assigned the territory set NOTE If you do not select a program from the Select a Program list you will receive the following message x Required fields are missing At least one program must be selected TO ASSIGN A TERRITORY SET AT THE POLICY COVERAGE LEVEL To assign a territory set at the Policy Coverage level perform the following steps e From the Manage Territory Sets screen click the Assign link of
19. Make Changes to the Current Filing essem mme 19 RATECOMPONENT BOR 24e erare eeu se ehe ees eve bep eoo eee v vaeessuesues externas sven un aea aa eee eu EN NS eer pA EENUNUE 20 To Download an Uploaded FOM sssssssssssrrssnrssrnrrsrnrrsrnrnurnnnurnnnurnnnurnnnurnnnnnnn 22 TO Delete an Uploaded Fotm eiie cites vavdennsdeueraceredeceusdeuedecevenereas 22 To Download a Form Template sssssssssssssesssen sensnm meses 22 ADD UPLOAD RATE COMPONENT eere rata ose eErkE Repo Eo se e ERe Eae Sanana asa a CREER PERS ER ERE SU SEEN ER NE EORR 24 To Add Upload a Rate Component sssssssssssssessensenemenese eese ene 24 MANAGE PROGRAMS 27 To Show the Program History ccceceee eee e eee eee eee ee nemen nennen 28 To Delete an Existing Program cccecece eect eee ene enna eee nennen 28 CREATE NEW PROGRAM ee 30 TO reate d New Program iecore deer dirien ere dr tested EEA Eaa Rer NER XE RR 31 MERGE EXISTING PROGRAMSS rrtiske esee tn tonc eior tene eoe Neb aero lebe PY o Eve E pe ERE YE E UNE ER ESE E EE Pea Eee seek E 32 To Merge Existing Progratims tore an Des ex ages eames a RR e EXR Ex EE RES 33 REPLACE EXISTING PROGRAM cisscivsccsscsscsssstsscscessssscccesssoessescvasssncteoscensdsonsskissasseassuassendsvasennsebesostdobes 35 6 21 2007 Page 3 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The N
20. Rate Rating Example 1 Rating Example 2 Rating Example 3 Rating Example n Locked cells that are system generated or calculated Unlocked cells for user to enter data Form Elements Program The program containing the policy listed in the Policy column Column A Policy Each policy in the program with the Base Rates indicator set Column B will be listed in the Policy column Do You Offer This This question is asking whether or not you can calculate a Yes or No rate for the rating example description shown to the right In Column C the majority of cases the answer to this question is Yes If you do not write medical malpractice or attorney liability coverage at the stated coverage level you would answer No If you answer No in this cell no additional information is needed to complete the template Rating Example Displays the current rating example description for the rating 6 21 2007 Page 93 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Description Column D example displayed in the current worksheet tab Identical Risk Yes or No Column E In this cell specify whether or not you can price the rating example description EXACTLY as written If you can choose Yes and leave the Risk Difference cell blank
21. Set screen will appear e Click the Download Template link from the Common Tasks section An option to Open or Save the template wil display File Download Do you want to open or save this file 35 Name TerritorySet xls H Type Microsoft Excel Worksheet From appst fidfs com harm your computer If you do not trust the source do not open or m While files from the Internet can be useful some files can potentially save this file What s the tisk e Click the Save button to save the file to a location on your computer or the Open button to open the file NOTE You can use this file as a starting point in creating your custom territory set Just make sure all the counties regions are included at least once in your file TO UPLOAD A TERRITORY SET To upload a territory set perform the following steps e From the Manage Territory Sets screen click the Upload Territory Set from the Common Tasks and the Add Territory Set screen will appear e Enter the Territory Set Name e Click the Browse button to locate the territory set Excel spreadsheet NOTE Please make sure you close the Excel spreadsheet before uploading the file otherwise you will receive an error e Select the territory type from the list if applicable e Click the Save button NOTE If you do not enter a territory set name in the Territory Set Name field you will 6 21 2007 Page 62 of 123 Version 1 00 Draft PCRDCMS RCS Use
22. The name of the standard coverage Coverage Type The coverage type associated with the coverage Description Displays the selected standard coverage description To view the coverage description select the radio button next to the coverage in the Standard Coverage table Cancel button Click this button to cancel the operation and return back to the Manage Coverages screen Save button Click this button to add the new standard policy and return back to the Manage Coverages screen To ADD A STANDARD COVERAGE To add a standard coverage perform the following steps e Select a standard coverage from the list e Click the Save button The standard coverage will be added to the selected program and will return to the Manage Coverages screen NOTE If you do not select a standard coverage from the list you will receive the following message Required fields are missing Please select a coverage to add to the program 6 21 2007 Page 55 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD EDIT CUSTOM COVERAGE The Add Edit Custom Coverage screen will allow the user to add or edit custom coverages to new and existing programs within the current filing OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Ra
23. cadets 81 To Add a Specialty Class Code Set sssssssssssssseeeensennememee nene 82 SESSION E M D O gem 84 RATE COLLECTION PRODUCTS rn aerO ETE EAR TEATERS URS ERE EERE 85 RATE COMPONENT FORMS sissssssssssccssssssssssssssssscssensessoassnessssessensssssonssateveassvasssnotstescsoasssssesostesteosnsstis 87 PREMIUM BREAKDOVNV IN ipt EYES S eRRNR OE PYEEEFR RE RE EEXR EP ERE PRESE EN R FER PERAS ERES MEE EIR KE EUM E SUE RR CE EEEN 88 RATING EXAMPLE FORMS ivsscscssssccsesvossssnctsascansteaesssonccssvonssssscenncduccnessense soadsusssecsanctuessansvenceadsevasoanseves 90 Rating Example Version A cccceceee eect erent nenne 91 Rating Example Version B ccceceee eect eee ener eee ener 93 Rating Example Version C causes dete ete su hese Vox ar ue Sane xe es dE n ener Fa Y ies 95 RATE LEV EL BEBE CT PO RIMM 6 idit YER FERES QURBERSFUREFR EUG NER MERE SERRE ARRRER TANE R ERRNSE RM RERER FARINE PEERRRO ieee 98 Rate Level Effect Version A essa ces n aces neue HR RI R RA RR CER RR RC RR en RR e cd e Y 100 Rate Level Effect Version B sssssssssssssssssese memes menie nes 103 Rate Level Effect Version C sssssssssssssessesee mene ennemi eene 105 RATE LEVEL EFFECT ALL COVERAGES ws sssssssssscscessessasssssssasssestnsassstossevesteasovsestsoeststessasssssooessss 107 STATEWIDE RATE LEVEL EFFECT wssssscsssssoscsssistesssnescsvacsoscsncesossskssvessenscsessenssbossonssbecsnedstascanssnnscassas 110 GL
24. created by the user for each program within the filing This screen provides the ability to add standard policies add custom policies edit custom policies and delete inactivate policies OFFICE OF INSURANCE REGULATION Help Contact Us Account Filing Search Logout Rate Collection cu a Manage Policies Select a Program My Program A v Common Tasks Current Policies Add Standard Policy EATS eer aT Update Rates Base Rates Edit Delete Add Custom Policy HO 1 Owners Standard Edit Delete O no 3 Owners Standard Delete O Ho 6 Condominiums Standard jit Delete O Ho CUSTO1 Tenants Custom Edit Delete NOTE Check if used in Rating Examples Description Basic Form This policy type typically covers the dwelling other structures and personal property against fire or lightning windstorm or hail explosion riot or civil commotion aircraft vehicles smoke vandalism malicious mischief theft and glass breakage Common Tasks Add Standard Policy Click this link to navigate to the Add Standard Policy screen Add Custom Policy Click this link to navigate to the Add Edit Custom Policy screen Screen Elements Select a Program list List containing all the programs in the current filing e For new programs filing type the list will contain all programs created for this filing e For existing programs filing type the list will contain all active programs for the co
25. documentation that demonstrate its rating methods and practices are based upon commonly accepted actuarial assumptions and are in accordance with sound actuarial principles 6 21 2007 Page 115 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Final Percent Change The rate effect expressed as a change requested by the insurer for a given submission Final Set The latest version of a collection of forms pertaining to a current filing Forms Only Filing Any filing related to the addition revision or deletion of any policy contract endorsement declarations page form or notice used by an insurer in its relationship with its existing or prospective policyholders FRPCJUA Florida Residential Property and Casualty Joint Underwriting Association FWUA Florida Windstorm Underwriting Association Group Code OIR assigned identifier using the COA for a Company or Insurer in that group A company must belong to one and only one group Proposed Replace the COA Code with the NAIC Code for the OIR assigned group code Header Information This is the information displayed at the top of the forms This information consists of company names program names and pricing tracks Home Owner Policy Types The Following is a list of policy types 1 HO 3 homeowners policy All risk
26. from the list Select a Standard Displays a list of the standard policies It will only display the Policy list unassigned policies Any standard policies previously added will not appear in the list Policy Name The name of the standard policy Policy Type The policy type associated with the policy 6 21 2007 Page 46 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Description Displays the selected standard policy description To view the policy description select the radio button next to the policy in the Standard Policy table Cancel button Click this button to cancel the operation and return back to the Manage Policies screen Save button Click this button to add the new standard policy and return back to the Manage Policies screen NOTE The list of standard policies that appear in the list will be based on the rate collection product selected during the filing creation process To ADD A STANDARD POLICY To add a standard policy perform the following steps e Select a standard policy from the list e Click the Save button The standard policy will be added to the selected program and will return to the Manage Policies screen NOTE If you do not select a standard policy from the list you will receive the following message
27. in the spreadsheet Program Lists each program in the filing as a separate worksheet tab Premium Breakdown Type Table Homeowners Hurricane Non Hurricane Mobile Homeowners Hurricane Non Hurricane Dwelling Fire Hurricane Non Hurricane PPA Liability Physical Damage Commercial Property Mono line N A Commercial Residential Hurricane Non Hurricane General Liability N A Attorney Liability N A Commercial Auto Liability Physical Damage Businessowners N A Medical Malpractice N A 6 21 2007 Page 89 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATING EXAMPLE FORMS A Rating Example Form is used to provide a detailed description of a hypothetical risk or a unit of exposure depending on the line of business In the rating example form the company provides a rate for each of its territories for that risk or unit of exposure The table below lists what rate products use what form versions Each form version will be explained in detail in the sections following Rate Collection Product Rating Example Form Personal Lines Homeowners Version A Mobile Homeowners Version A Dwelling Fire Version A Private Passenger Auto Version A Commercial Lines Commercial Residential Med Mal Physicians amp Surgeons Commercial Prope
28. period covered by the data reported using only the columns titled Amount of Insurance Earned Car Years and Earned Premium at Current Rate Level Liability Liability consist of BI PD MP PIP UM CSLL Manual Pages Contains all information necessary to rate all policies sold in Florida Medical Payment MP A form of liability coverage related to Private Passenger Auto Multi Territory County A county covered by more than one territory Multi Territory Grouping A unique group of territories which comprise a particular Multi territory county NAIC Group Code NAIC assigned identifier for all companies in the same insurer group National Association of Insurance Commissioners NAIC The NAIC is a voluntary organization of the chief insurance regulatory officials of the 50 states the District of Columbia American Samoa Guam Puerto Rico and the Virgin Islands The NAIC provides its members a forum for discussing common interests and for working cooperatively on regulatory matters that transcend the boundaries of their own jurisdictions New Business Effective Date Date the proposed rates will start to be used on any new policies Number of Polices Number of policies in force as of the 12 month ending date Office of Insurance Regulation OIR The Office of Insurance Regulation is the agency that regulates the insurance industry in the state of Florida OIR enforces provisions of the Florida Insurance Co
29. proposed rate level Proposed Base Rate The base rate proposed in the file under review Proposed Filing The filing under review pending disposal QUSAR Quarterly Supplemental Reporting System This system allows insurer to create edit and save QSRs as well as submit the date via the internet to OIR Insurers doing business in the state of Florida are required by 624 424 10 Florida Statues to report statistical information to OIR in conjunction with their quarterly financial reports Rate The periodic price per unit of exposure for the coverage afforded 6 21 2007 Page 119 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Rate Filing A request for approval that will cause a change in the rates that an insurer will charge existing or future policy holders Rate Formula A formula to convert the rates from the base risk to the rates for a different OIR specified risk Rate Level The average premium for a given policy type or program Rate Level Effects Amount of change in percentage in rate level from prior approved filing for all policy types Includes average for all product types and the average for programs Rate level Effects Form The rate level effect form is used to capture the current average annual premium and the proposed average annual premium by t
30. screen The fields will be populated with the original coverage information e Make any necessary modifications and click the Save button e The coverage information is saved and will return to the Manage Coverages screen NOTE You can only edit custom coverages that were created within the current filing Any active custom coverage created from a previous filing cannot be edited To DELETE A COVERAGE To delete a coverage perform the following steps e Select the program containing the coverage to delete The list of coverages for that program will be displayed in the Current Coverages table e For the coverage to delete click the Delete link e The following yes no confirmation message will be displayed Are there any existing policy holders using this coverage e Click the Yes button to cancel the delete inactivate coverage operation and return back to the Manage Coverages screen e Click the No button to prompt another yes no confirmation message Are you sure you want to delete inactive this coverage e Click the Yes button to delete inactivate the coverage and return back to the Manage Coverages screen e Click the No button to cancel the delete inactivate coverage operation and return back to the Manage Coverages screen 6 21 2007 Page 53 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data C
31. the rate level effect form data at a statewide level This is a system screen that is accessible via the Statewide Rate Level Effect component within the Rate Component List screen The data displayed in this screen will be read only There are two versions Versions A and B of the Statewide Rate Level Effect form that will be discussed in this section Please refer to the table below for the specific column mappings by rate collection product i e line Statewide Rate Level Effect Column Mappings table Rate Collection Product Version A Homeowners X X X X X Mobile X X X X X Homeowners Dwelling X X X X X Fire Business X X X X X Owners Commercial X X X X X Residential Personal Auto X X X X Commercial X X X X Auto Version B General X X X X X Liability Mono line X X X X X X Medical X X X X X Malpractice Attorney X X X X X Liability Legend 6 21 2007 Page 110 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS A Specialty Class Code B Total Amt of Insurance in 000s C Earned Car Years D Earned House Years E Number of Policies F Earned Premium G Earned Premium Current Rate H Annual Change I Initial Annual Change 9 7 OFFICE OF INSU
32. to correct each instance e Provide for easy business process expansion and or significant variations in load e Provide the functionality to allow for the collection and management of data for commercial lines e Provide for enhanced reporting capabilities e Provide for consumer rate comparison searches The PCRDCMS electronic rate data filing module or Rate Collection System RCS provides presentation logic business logic and data management to authorized external users insurers in support of electronic filing over the Internet Authorized external users insurers will interact with the PCRDCMS electronic filing module via a standard Web Browser The electronic filing module of the PCRDCMS system is fully integrated with OIR s existing I file system and provides a seamless experience to the insurer while creating and submitting rate filings The user experience as it relates to the creation and submission of filings within the I File system shall not be significantly impacted by the implementation of the PCRDMCS system For the purposes of the PCRDCMS system a Rate Collection Component has been added to the I File component list for all the filings requiring a rate data submission The Rate Collection Component is used as an entry point into the PCRDCMS system The external user insurer will complete the required rate data entry and return to the I file component list Filing Originators and Associate Users shall share the same privil
33. topic Description Displays the description of the selected policy See To View a Policy Description topic Back button Click this button to return back to the Rate Collection Workbench screen Save button Click this button to return back to the Rate Collection Workbench screen NOTE The links that appear in the Common Tasks will vary depending on the filing type new programs or existing programs and the rate collection product associated with the current filing NOTE For new program filings if you attempt to access this screen and have not created any new programs you will receive the following error message 6 21 2007 Page 42 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS There must be at least one program with policies in the filing to use this page NOTE If there are any policies that do not have the base rates indicator set for each policy type you will receive the following warning and you will not be able to go back base rates selected Review the policies to make sure the base i NOTE At least one policy for each type of policy must have the rates information has been set TO VIEW A POLICY DESCRIPTION To view the description of a standard or custom policy perform the following steps e From the Ma
34. 07 Page 30 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS TO CREATE A NEW PROGRAM To create a new program perform the following steps e From the Manage Programs screen click the Add New Program link and the Create New Program screen will appear e Enter the name of the new program in the New Program Name field Program Name must be unique and cannot exceed 50 characters e Check one or more companies from the Select Companies list e Click the Save button NOTE If you do not enter a program name in the New Program Name field then you will receive the following message e Required fields are missing A name must be provided If you do not select any companies from the Select Companies list you will receive the following message x Required fields are missing At least one company must be selected If you enter a program name that is already in use you will received the following error message A business rule violation occurred The program name you have entered is already being used Please enter a different program name 6 21 2007 Page 31 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS
35. 23 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team
36. ATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE ob Initial Rate Interrogatory yee bi O This is a filing for a new program O This is a filing that modifies an existing program s om Month Ending Date mrm dd yyy ER Common Tasks Screen Elements New Program option Select this option if creating new program s for the companies participating in this filing Select this option if modifying existing program s for the companies participating in this filing Existing Program option 12 Month Ending Date Only available if the This is a filing that modifies an existing program s option is selected This date will be used for annual data provided in the rate level effect forms Back button Click this button to return to the Filing Component List I File screen Click this button to navigate to the Rate Collection Workbench screen Next button Note If only the new programs option is enabled then there are currently no 6 21 2007 Page 11 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS active programs in the system associated with the companies in this filing To DEFINE THE FILING TYPE AS NEW PROGRAMS If creating new program s for the companies participating in this fi
37. C Rate Data Collection and Management System PCRDCMS To EDIT A SPECIALTY CLASS CODE SET To edit a specialty class code set perform the following steps e From the Manage Specialty Class Code Sets screen click the Edit link of the set to edit The system will navigate to the Add Specialty Class Code Set screen The fields will be populated with the original specialty class code set information e Make any necessary modifications and click the Save button e The specialty class code set information is saved and will return to the Manage Specialty Class Code Sets screen To DELETE A SPECIALTY CLASS CODE SET To delete a specialty class code set perform the following steps e From the Manage Specialty Class Code Sets screen select the appropriate Delete link of the specialty class code set to delete from the Current Specialty Class Code Sets table NOTE Only custom specialty class code sets can be deleted standard specialty class code sets will have the Delete link disabled e The following OK Cancel confirmation message Are you sure you want to delete inactivate this specialty class code set e Click the OK button to delete the specialty class code set e Click the Cancel button to cancel the operation and return back to the Manage Specialty Class Code Sets screen 6 21 2007 Page 80 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Offic
38. Data Collection and Management System PCRDCMS RATING EXAMPLE VERSION C Properties of rating example version C e Rating Examples are required for each policy in each program for new and existing program filing types e Each Policy will have a separate Excel workbook e Each Rating Example will be a tab within the Excel Workbook e Editable fields are shaded in light yellow e Non editable fields are shaded in gray A B Cc D E F G H l J K L M Do you p 5 Program Policy Tr Yes luu HOMES Sp Risk Type Hd nies Data Wu ons onde or No or No Code 1 2 n ee cor Rat UW CC 2 Rate UW cca Rate UW cc 4 Rate UMW Ccc5 Rate UW cce Rate UW CC7 Rate UMW cce Rate UMW cco9 Rate UW Rating Example 1 Rating Example 2 Rating Example 3 Rating Example n Locked cells that are system generated or calculated Unlocked cells for user to enter data Form Elements Program The program containing the policy listed in the Policy column Column A Policy Each policy in the program with the Base Rates indicator set 6 21 2007 Page 95 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Column B will be listed in the Policy col
39. EGULATION Home Help Contact Us Account Filing Search Logout R Rate Collection FILE Manage Coverages Select a Program My Auto Program v Current Coverages PT Coverage Name Coverage Type Update Rates Edit Delete Add Standard Coverage come Physical Damage Standard Edit Delete O csi Liability Standard dit Delete Add Custom Coverage x O LrAB CUSTO1 Liability Custom Edit Delete O prp Liability Standard ly t Description Comprehensive Common Tasks Add Standard Click this link to navigate to the Add Standard Coverage Coverage screen Add Custom Coverage Click this link to navigate to the Add Edit Custom Coverage screen Screen Elements Select a Program list List containing all the programs in the current filing e For new programs filing type the list will contain all programs created for this filing e For existing programs filing type the list will contain all active programs for the companies participating in this filing When a program is selected from this list the coverages 6 21 2007 Page 50 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS assigned to this program will be displayed in the Current Coverages table Current Coverages list Displays the current list of policies for the se
40. ES Ie Set Name Code Description or No Program 1 Policy 1 BOUE 1 Hurr TS 1 Terr1 Territory 1 Terr2 Territory 2 Terr3 Territory 3 Terr4 Territory 4 Terr5 Territory 5 Terr6 Territory 6 Terr7 Territory 7 Terr8 Territory 8 Terr9 Territory 9 Non Hurr TS 1 Terr1 Territory 1 Terr2 Territory 2 Terr3 Territory 3 Terr4 Territory 4 Terr5 Territory 5 Terr6 Territory 6 Terr7 Territory 7 Terr amp Territory 8 Terr9 Territory 9 Rating Example 1 Rating Example 2 Rating Example 3 Rating Example n Locked cells that are system generated or calculated Unlocked cells for user to enter data Form Elements Program The program containing the policy listed in the Policy column Column A Policy Policy Each policy in the program with the Base Rates indicator set Type will be listed in the Policy column For products that use 6 21 2007 Page 91 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Column B coverages e g PPA the column will display as Coverage instead of Policy NOTE Base Rates indicator does not apply to PPA Do You Offer This Yes or No Column C Enter select Yes or No If the an
41. Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS State of Florida Department of Financial Services Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS PCRDCMS Rate Collection User Manual Author Jon Mika The North Highland Company Vendor ete ET s geti USA M Mika Consulting Inc Version 1 00 Draft Creation Date 5 14 2007 Last Updated 6 21 2007 12 52 PM 6 21 2007 Page 1 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS DOCUMENT CONTROL CHANGE RECORD Date Author Version Change Reference 5 14 2007 Jon Mika 1 00 Draft Initial Release 6 21 2007 Page 2 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS TABLE OF CONTENTS DOCUMENT CONTROL ss casing ssc enet ieh eun poen doce oncapedasndesosucssnpsenenscoasavaipessoaueseasansivous vonssoce ensuvaneadsvonseansepoaes 2 CHANGE ReCOEQ iiie tenere ERR RARRENREXKARERERMERERUREA UE E M canes DIE KURIER RE RENE ARRA NERAARMA 2 TABLE OF CON TEN US c 3 ABOUT THIS DOCUMENT morene reae vens e ree eee it ep ee eve exe p vae vec ncecsusubes tuts snes on
42. ICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE M Add Territory Set Territory Set Name E A Upload File Territory Type Non Hurricane vi Cancel Save e Download Template Common Tasks Download Clicking this link will download a sample blank territory set Template template Screen Elements Territory Set Name The name of the new territory set Upload File Standard file upload control Click the Browse button to Browse button locate the territory set Excel spreadsheet Territory Type The list of available territory types NOTE The list of territory types will vary based on the product selected for the current filing Homeowners Dwelling PPA Commercial etc Cancel button Click this button to cancel the operation and return back to the Manage Territory Sets screen Save button Click this button to upload the territory set and return back to the Manage Territory Sets screen 6 21 2007 Page 61 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS TO DOWNLOAD A TEMPLATE To download a territory set template perform the following steps e From the Manage Territory Sets screen click the Upload Territory Set from the Common Tasks and the Add Territory
43. INSURANCE COMPANY ABC 12345 1234 PROGRAM B INSURANCE COMPANY ABC 12345 1234 IMSURANCE COMPANY DEF 67890 1234 PROGRAM C INSURANCE COMPANY ABC 12345 1234 IMSURANCE COMPANY DEF 67890 1234 Common Tasks Add Company To Click this link to navigate to the Add Company To Program Program screen Remove Company Click this link to navigate to the Remove Company From From Program Program screen Screen Elements Companies in List of the companies participating in the current filing Filing list Program Company List of programs in the current filing and what companies Information list offer this program Back button Click this button to return to the Rate Collection Workbench screen 6 21 2007 Page 72 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS NOTE The links that appear in the Common Tasks will vary depending on the filing type new programs or existing programs and the rate collection product associated with the current filing 6 21 2007 Page 73 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD COMPANY TO PROGRAM The Add Company to Program screen provides the functionality to add
44. If you can not choose No for this cell and in the Risk Difference cell state what the differences are For example the minimum offered deductible for your attorney liability program may be 2 000 instead of 1 000 as specified in the example In this case you would answer No to Identical Risk and put 2 000 deductible in the Risk Difference cell Risk Difference Enter the risk difference here to describe the difference Column F between the rated risk and rating example description Risk Type Not Applicable Column G Specialty Class Code Column H For each Risk Type display each Specialty Class Code from the Specialty Class Code Set associated with the current policy coverage defined in the Rate Collection Workbench Data Rate Column I Enter the rate amount associated with each specialty class code and territory code listed Territory Code Column J K L Each column will display the territory code from the territory set in Territory Set Name assigned to the corresponding policy coverage Rating Example Will appear as separate tabs worksheets within the form The rating examples are system generated and will vary based on the policy coverage for each rate product 6 21 2007 PCRDCMS RCS User Manual Draft v1 00 20070620 Page 94 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate
45. O 1 Update Rates selected No Territory Sets assigned g HO 3 Update Rates selected No Territory Sets assigned a HO CUSTO1 Update Rates selected No Territory Sets assigned Manage Programs Click this link to navigate to the Manage Programs screen Manage Policies Click this link to navigate to the Manage Policies screen Manage Coverages Click this link to navigate to the Manage Coverages screen Manage Territory Sets Click this link to navigate to the Manage Territory Sets screen 6 21 2007 Page 14 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Manage Companies Click this link to navigate to the Manage Companies screen Manage Specialty Class Code Sets Click this link to navigate to the Manage Specialty Class Code Sets screen Rate Component List Click this link to navigate back to the Rate Component List screen NOTE This link will only appear if you click the Return to Rate Collection Workbench from the Rate Component List screen after the rate component list is generated Start Over Click this link to To Start Over the Rate Collection Process from the beginning All programs policies rate components etc that have been created uploaded for the current filing will be cleared Return to Fi
46. OSSARY OF TERMS e pevectuce vas sueetulesves suas bac SAND NENNEN e NEU IPEA EU D soemanccenten 113 ACCEPTANCE oe 123 6 21 2007 Page 5 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ABOUT THIS DOCUMENT WHO SHOULD USE THIS DOCUMENT All insurance entities filing rate rate amp rule and recoupment information with the Office of Insurance Regulation will use the Rate Collection System component within I File How TO USE THIS DOCUMENT TOPICS Each screen within this document is written in the following format Topic Name i e To Add a Program Topic description goes here e Step 1 e Step 2 e Step 3 CONVENTIONS e Bold italics are used to reference user confirmation messages Example Are you sure you want to continue e All user error messages will be displayed with a red box containing specific error message text sample below e Error message goes here e All information messages will be displayed to the user as shown below i NOTE Information message goes here e All hyperlinks will be referenced in bold blue text example Start Over e All buttons will be referenced in bold and with brackets example Cancel e All references to other sections within this document will be underlined and in green text exampl
47. RANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection E Statewide Rate Level Effect Select Level Program Select Program MUTUAL PRIVATE PASSENGER PPA zi E Earned Premium Current Rate Initial Change overage Z An Years Level COMP 45 398 00 44 712 00 3 2 3 2 45 957 00 44 892 00 1 7 1 7 BI 45 398 00 44 712 00 3 2 3 2 PIP 43 970 00 44 943 00 1 6 1 6 APC 46 570 00 46 443 00 7 6 7 6 COLL 45 125 00 44 885 00 7 2 7 2 PD 43 626 00 44 820 00 2 6 2 6 uM 44 564 00 45 329 00 14 14 Total 360 608 00 360 736 00 0 1 0 1 Cancel Save Common Tasks None Screen Elements Selected Level Two levels options in which to view the rate level effect data Filing Selecting the filing level will display all policies coverages from the entire filing in the Policies Coverages list 6 21 2007 Page 111 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Program Selecting the program level will allow you to choose a program from a list of programs displayed on the screen All policies within the selected program will be displayed in the Policies Coverages Name column Select a Program list The Select a Program list will contain either the new or existing program list fo
48. RDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS back to the Manage Policies screen To ADD A CUSTOM POLICY To add a custom policy perform the following steps e Enter the Policy Name e Select a Policy Type from the list provided e Enter a description of the custom policy in the space provided e Click the Save button The custom policy will be added to the selected program and will return to the Manage Policies screen NOTE If you do not enter a policy name in the Policy Name field you will receive the following message x Required fields are missing A name must be provided If you do not enter a description in the Description field you will receive the following message x Required fields are missing A description must be provided 6 21 2007 Page 49 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS MANAGE COVERAGES The Manage Coverages screen displays the current coverages added or created for each program within the filing This screen will provide the Functionality to add standard coverages add custom coverages edit custom coverages and delete inactivate coverages FLORIDA OFFICE OF INSURANCE R
49. a policy coverage in this filing See To Unassign a Territory Set topic Unassign All Click this link to unassign all territory sets from all policies in this filing See To Unassign All Territory Sets topic Available Territory Sets Displays the current list of available territory sets both custom and standard Territory Set Name The name of the uploaded or standard territory set Type Lists the Territory Set type that was selected for the territory set Defined Standard or Custom Standard territory sets are defined by the Office of Insurance Regulation Custom territory sets are uploaded by the user Preview Click this link to preview the selected territory set See To Preview a Territory Set topic Assign Click this link to assign a territory set to one or more policies coverages Clicking this link will display the Assign Territory Set screen Delete Click this link to delete the selected territory set See To Delete a Territory Set topic NOTE This link will be disabled for standard territory sets Back button Click this button to return o the Rate Collection Workbench screen NOTE When the Manage Territory Set screen is displayed and there are currently no policies coverages assigned to any programs within the current filing you cannot assign territory sets until policies are added If this is the case the following warning message is displayed on the screen AJ NOTE
50. a territory set Filing Selecting the filing level will assign the selected territory set to all policies in all programs within the current filing When the filing level is selected the following text will be 6 21 2007 Page 64 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS displayed Note All Programs in the Filing will be assigned this Territory Set Program Selecting the program level will allow the choosing of one or more programs from a list of programs displayed on the screen All policies within the selected programs will be assigned the territory set Policy Coverage Selecting the policy coverage level will allow the choosing of one or more policies coverages from a specific program All selected policies coverages will be assigned the territory set Select a Program List multi selection Program option only When the Program option is selected the Select a Program list will appear The list will contain the programs in the current filing that have not had any territory sets assigned to any of the program s policies coverages Any programs that have at least one territory set assigned to any of the policies coverages within will not appear in this list Select a Program list single selection Policy Coverage
51. action has been taken on it Dwelling Policy Types The Following is a list of policy types 1 DP 1 Basic Form 2 DP 2 Broad Form and 3 DP 3 Special Form Dwelling Fire Basic homeowners policy that specifies a particular coverage This product excludes liability Dwelling Fire does not include liability coverage E Filing The electronic portion of an insurer s rate filing Earned House Years The number of houses insured by the total number of filing companies for the given period of coverage This definition is specific to forms OIR B1 1103 and OIR B1 1104 Earned Premium The premium associated with coverage provided during the latest annual period Exposure The risk assumed by the insurer FAJUA Florida Automobile Joint Underwriting Association FCP Number Filing ID An OIR assigned number assigned to a filing Format FCP 06 12345 FEIN Federal Employer Identification Number FEIN Number A unique identifier for each insurance company FHCF Florida Hurricane Catastrophe Fund FIGA Florida Insurance Guaranty Association File and Use OIR has 60 days to review a filing for auto and 90 days to review a filing for all others during which time the insurer may not use the filed rates File Status The Status of a filing A filing may be Pending Closed Approved or Error Filing A complete and detailed description of an insurer s rating practices and renewal practices including information and
52. age from the filing setup in the Rate Collection Workbench screen County Region Column F Lists all the counties regions that were included in the territory set associated with this policy coverage Territory Code Column G Lists each territory code that the corresponding county region has been included in within the territory set Total Amount of Insurance Column H Include the average amount of insurance in force for the latest annual period for each type of policy even though all types may not be included in the rate revision NOTE The amount of insurance is the maximum amount of property loss on insured properties This includes coverage for structures appurtenant structures contents loss of use and all additional property coverages Earned House Years Column I Include the earned house years for the latest annual period for each type of policy even though all types may not be included in the rate revision NOTE For Auto Lines this column will be Earned Car Years Earned Premium Current Rate Column J Include the earned premium at the current rate level i e the rate level in effect prior to this filing for each type of policy even though all types may not be included in the rate revision Current Base Rate Column K The base rate in the prior filing Proposed Base Rate Column L The base rate proposed in the file under review Current Average
53. age Programs screen 6 21 2007 Page 29 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS CREATE NEW PROGRAM The Create New Program screen allows the user to create new programs for their current filing As part of the program creation process the user will enter a program name and select the appropriate companies from the list OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE Create New Program Select Companies mi Company Name NAIC Co Code INSURANCE COMPANY ABC 12345 1234 INSURANCE COMPANY DEF 67890 1234 None Screen Elements New Program Name The name of the new program to create Select Companies The list of companies currently participating in this filing list Company Name The full company name NAIC Co Code The NAIC company code NAIC Group The NAIC group code Cancel button Click this button to cancel the new program operation and return back to the Manage Programs screen Save button Click this button to save the new program information and return back to the Manage Programs screen NOTE If there is only one company in the filing the company checkbox in the Select Companies table will automatically be checked and disabled 6 21 20
54. am to companies participating in this filing Split list Program Name The name of the existing program Companies NAIC Company Code A comma delimited list of companies by NAIC company code using the program Select Companies The list of companies currently participating in this filing for New Program list Company Name The full company name 6 21 2007 Page 38 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS NAIC Co Code The NAIC company code NAIC Group The NAIC group code Cancel button Click this button to cancel the split existing program operation and return back to the Manage Programs screen Save button Click this button to save the new program information and return back to the Manage Programs screen NOTE If there is only one company in the filing the company checkbox in the Select Companies table will automatically be checked and disabled TO SPLIT AN EXISTING PROGRAM To Split an existing program perform the following steps e From the Manage Programs screen click the Split Existing Program link and the Split Existing Program screen will appear e Enter the name of the new program in the New Program Name field Name must be unique and cannot exceed 50 characters e Select a program to split from the E
55. and Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS TO DOWNLOAD AN UPLOADED FORM To download a form that has been previously uploaded perform the following steps e From the Rate Component Form screen click the Component Name link from the Current Forms list You will be prompted to Open or Save the form File Download Do you want to open or save this file z Mame TerritorySet xls i Type Microsoft Excel Worksheet From appst fldfs com While files from the Internet can be useful some files can potentially harm your computer If you do not trust the source do not open or save this file What s the risk e Click the Save button to save the file to a location on your computer or the Open button to open the file To DELETE AN UPLOADED FORM To delete an uploaded form perform the following steps e Select the rate component from the Rate Component List screen The Rate Component Form screen will appear e From the Current Forms list click the Delete link of the form to delete NOTE The Delete link will only appear for forms uploaded for the current filing If you are responding to a previous filing the forms uploaded in the previous filings cannot be deleted e The following OK Cancel confirmation message is displayed Are you sure you want to delete this uploaded form e Click the OK button to delete the uploaded form e Click the Cancel but
56. ass Code Set associated with the current policy coverage Exposure Base Column I Provide the exposure base used for each specialty class code by selecting the appropriate exposure base from the dropdown list Exposure Base table below for the list of accepted exposure base codes descriptions Data Rate Column J Enter the rate per exposure up to 3 decimal places associated with each specialty class code and territory code listed The following values can also be entered a Entering this symbol instead of a rate indicates the there was no lost cost provided for that coverage class territory combination i Entering this symbol instead of a rate indicates that the company uses an independently filed rate Data U W Column J The U W column represents your response to the question Are you writing new business for this specialty class code in this territory It can be one of 2 values Yes or No 6 21 2007 PCRDCMS RCS User Manual Draft v1 00 20070620 Page 96 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Territory Code Each column will display the territory code from the territory Column J K L set in Territory Set Name assigned to the corresponding din policy coverage Rating Example Will appear as separate tabs worksheets within the form The rating exam
57. bench screen will depend upon the line of business that is being written e g Auto will see Manage Coverages instead of Manage Polices In addition there will be a tree view showing the filing setup information which includes a breakdown of the companies programs policies or coverages territory sets and class code lists The tree view will also indicate what items are new and what items are incomplete The user will also be able to start the rate collection process over return to the component list or generate the rate component list 6 21 2007 Page 13 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Home Help Contact Us Account Filing Search Logout n Rate Collection FILE bai m Workbench Generate Rate Component List Common Tasks Companies in Filing Company Name NAIC Co Code Manage Programs COMPANY ABC 12345 1234 e COMPANY DEF 67890 1234 e Manage Policies e Manage Territory Existing Programs for Companies in Filing Program Name Sets Policy Coverage Name Companies NAIC Company Code Manage Companies EXISTING PROGRAM A e Start Over HO 6 HO 3 Return to Filing Component List Filing Setup Information g Filing g Programs g My Program a Companies COMPANY ABC g Policies g HO 6 Update Rates selected No Territory Sets assigned g H
58. companies to any program that is part of one or more companies in the current filing For example You are currently filing the following program e Program A For companies e Company ABC 12345 e Company DEF 67890 In addition Company ABC previously filed Program B As a result this screen will allow you to add Company DEF to Program B NOTE The screen below will add Company DEF to Program B when the Save button is clicked OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE en Add Company ProgramName __ Companies NAIC Co Code PROGRAM A 12345 67890 PROGRAMB 12345 Select Company to Add COMPANY DEF v Note If you want to add a company that is not listed please re file with the additional company Common Tasks Screen Elements 6 21 2007 Page 74 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Select Program list The list of programs displayed should contain at least one of the companies in the current filing but cannot include companies that are not in the current filing Select Company to The list of the companies that can be added to the selected Add list program Cancel button Click this button to cancel the operation and r
59. ction Workbench screen Save button Click this button to save the update rates flag for each coverage and return to the Rate Collection Workbench screen See To Update Rates For a Coverage topic 6 21 2007 Page 51 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS NOTE The links that appear in the Common Tasks will vary depending on the filing type new programs or existing programs and the rate collection product associated with the current filing NOTE For new program filings if you attempt to access this screen and have not created any programs you will receive the following error message e There must be at least one valid program in the filing to access this page To VIEW A COVERAGE DESCRIPTION To view the description of a standard or custom coverage perform the following steps e From the Manage Coverages screen click the radio button next to the coverage name in the Current Coverages table e The entire row will be in bold text and the description will appear in the Description field at the bottom of the screen To UPDATE RATES FOR A COVERAGE The Update Rates indicator will identify the coverages in which new or updated rate data will be collected This indicator is used to determine what components are generated in the rate co
60. d will return to the Manage Coverages screen NOTE If you do not enter a coverage name in the Coverage Name field you will receive the following message x Required fields are missing A name must be provided If you do not enter a description in the Description field you will receive the following message x Required fields are missing A description must be provided 6 21 2007 Page 57 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS MANAGE TERRITORY SETS The Manage Territory Sets screen displays the current territory sets added or created within the filing This screen will provide the functionally to add territory sets assign un assign territory sets preview territory sets and delete inactivate territory sets Standard territory sets defined by OIR will also appear on this screen OFFICE OF INSURANCE REGULATION Help Contact Us Account Filing Search Logout X Rate Collection ZEE Manage Territory Sets Program amp Policy Coverage List showing assigned Territory Sets Unassign All f Program PolicyiCoverage TerritorySetName Type _Unassigh My Program HO 1 My Territory Set Combined Hurricane Non Hurricane Unassign Upload Territory Set HO 4 unassigned jnas HO 6 unassigned Inassign HO CUSTO1 unassi
61. de executes the duties imposed by the Code informs and protects insurance consumers with prompt thorough and courteous resolution of complaints and inquiries enhances community outreach programs to deliver insurance fire safety and fire prevention education services through out the state develops and distributes insurance buyer guides and circulates information news releases and provides risk management and insurance programs for property automobile workers compensation general liability and federal civil rights liability for all state agencies OIR B1 1102 Form Homeowners Florida Homeowners Rating Examples Annual Rates Shows county by county rates fled by the insurer for specific OIR described risk 6 21 2007 Page 117 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS OIR B1 1103 Form Homeowners Provides a summary report of all submitted OIR B1 1104s for each program in a given filing OIR B1 1104 Form Homeowners Provides rate level effects by county by policy type for each program in a given filing OIR B1 1193 Dwelling Florida Dwelling Rating Examples form OIR B1 1194 Dwelling Statewide rate level effect form OIR B1 1195 Dwelling Rate level effect by Territory OIR B1 575 Form Auto Florida Private Passenger Auto PPA Rating Examples An
62. dto a submitted filing Component Last Updated Status Company Data 5 15 2007 16 34 Incomplete Other Places f Cover Letter 5 15 2007 16 34 Incomplete Filing workbench OIR 582 5 15 2007 16 34 Incomplete P amp C Universal Standardized Data Letter Explanatory Memorandum 5 15 2007 16 34 Incomplete ngne E 5 15 2007 16 34 inedia Manual Pages 5 15 2007 16 34 Incomplete Rate Support by Teritory 5 15 2007 16 34 Incomplete Kainin boim Sissed 5 15 2007 16 34 j ie OIR B14 1790 5 15 2007 16 34 nca Supplementary Information Optional 5 15 2007 16 34 Supplementary Documentation RCS Verification 5 15 2007 16 35 Incomplete Review this Filing Return to Workbench To ACCESS THE RATE COLLECTION SYSTEM RCS To access the rate collection component from the component list perform the following steps 6 21 2007 Page 9 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e Access the Form amp Rate Filing Assembly and Submission system using the following link e Select the Filing Workbench and logon if necessary e Locate and open the filing from the Filing Workbench e Locate and click the Rate Collection System component the system will perform one of the following actions o If accessing this compone
63. e See Manage Programs screen e Each Note in this document is written in the following format and highlighted within a grey box Note Enter note here 6 21 2007 Page 6 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS INTRODUCTION The Florida Office of Insurance Regulation OIR has primary responsibility for regulation compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets in the state of Florida In order to support these responsibilities OIR decided to update their rate collection and rate management applications The new system designed to help these responsibilities is called the Property and Casualty Rate Data Collection and Management System or PCRDCMS The PCRDCMS will replace the current rate collection and rate management systems and was designed to provide OIR and Insurers with the following additional functionality e Enhance the external users insurers ability to submit and respond to rate filings more efficiently and accurately e Enhance the OIR internal users ability to accurately and more efficiently review analyze and evaluate rate filings e Provide error checking in the filing submission stage within I File and RCS which should reduce the many hours of analysis maintenance and support
64. e Program Click this link to navigate to the Replace Existing Program screen Split Program Click this link to navigate to the Split Existing Program screen Program List Displays the current list of programs for this filing e For new programs filing type the list will contain all programs created for this filing e For existing programs filing type the list will contain all active programs for the companies in the current filing 6 21 2007 Page 27 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Radio button Click this button to display the program history for the selected program See To Show the Program History topic Program Name Displays the program name Action Describes the type if action performed to create the program New Replace Merge and Split Companies NAIC Co Code Lists by NAIC Company Code each company using the program Delete Click this link to delete the selected program See To Delete an Existing Program topic Program History Displays the history of the program if the program was created as a result of a replace merge or split operation It will list the programs that were replaced split or merged into the new program Back button Click this button to return back to the Rate Collection Wo
65. e of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD SPECIALTY CLASS CODE SET The Add Specialty Class Code Set screen provides the functionality to create and edit specialty class code sets to associate to a policy within a program in their current filing The list of available specialty class codes will be based on the rate collection product of the current filing as well as policy coverage type of the selected policy OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout R Rate Collection FILE Add Specialty Class Code Set Selected Policy ATTORNEY LIABILITY Specialty Class Code Set Name zl Specialty Class Code Set Description Assigned Specialties Class Codes Available Specialties Class Codes lt lt Add All Copyright Trademark Law Corporate Law Business Transactions EN Patent Law Personal Injury Defendant Personal Injury Plaintiff Tax Shelter Remove All gt gt Mandatory specialty class code cannot be removed Specialty Class Code Description None 6 21 2007 Page 81 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Selected Program Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Screen Elements Displays the program selected from the Ma
66. e with a single limit combined Company Name Legal moniker for a risk bearing entity the insurer s name Construction Type The materials used to construct a building frame or masonry The insurers classification of how the building is constructed There is and insuring agreement for each coverage and usually a premium Coverage Insurance provided for specific loss Each coverage is added to yield a premium however sometimes it may be excluded without charge e g BI PD PIP MP Comp Coll Coverage Type Indicator that identifies whether a particular coverage is classified as liability or physical damage Current Average Annual Premium The average earned premium for the latest annual period at the current rate level Current Base Rate The base rate in the prior filing Current Rate Level The rate level in effect prior to a filing Deductible The amount of eligible expense a covered person must pay each year from his or her own pocket before the plan will make payment for eligible benefits 6 21 2007 Page 114 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Department Code OIR assigned code to Dept Defined territory Defined by territory average Disposed Filing A filing which has been approved disapproved acknowledged or withdrawn i e a final
67. ecialty Class Code Set Current Specialty Class Code Sets Specialty Class Code Set Name Policy Name Defined Edit Delete My Class Code Set GENERAL LIABILITY Custom Edit Delete Description Description of my Class Code Set Common Tasks Add Click this link to navigate to the Add Specialty Class Code Set Specialty Class screen Code Set Screen Elements Select a Program Displays the list of programs in the current filing list Selected Displays the list of policies for the selected program 6 21 2007 Page 78 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Policy Coverage Select View All to see all specialty class code set list assignments NOTE Only one Specialty Class Code Set can be assigned to a policy Current A table that displays the list of current specialty class code Specialty Class sets for the selected program and policy coverage Code Sets Specialty Class Code Set Name The name of the Specialty Class Code set name Policy Name The name of the policy coverage associated with the specialty class code set Defined Standard or Custom Standard territory sets are defined by the Office of Insurance Regulation Custom territory sets are uploaded by the user Edit Click this link to edit the selected special
68. ect the specialty class code from either the Assigned list or Available list and the description will appear in the Specialty Class Code Description field at the bottom of the screen e Click the Save button NOTE If you do not enter a Specialty Class Code Set Name you will receive the following message Required fields are missing Specialty Class Code Set Name must not be empty If you do not enter a Specialty Class Code Set Description you will receive the following message Required fields are missing Specialty Class Code Set Description must not be empty If you do not assign any Specialty Class Codes you will receive the following message Required fields are missing At least one Specialty Class Code must be assigned 6 21 2007 Page 83 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS SESSION TIMEOUT The session timeout screen will appear there is no activity on any of rate collection screens for a period of 20 minutes When the session does timeout the following screen will appear OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection c FILE Your current session has timed out Please click the Return to Filing Component List link in order to cotinue working on the filing e Return to
69. ed excel form The spreadsheet will be validated upon upload to ensure the format is correct OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout z Rate Collection FILE am Add Upload Rate Component File To Upload Common Tasks None Screen Elements Component Name The name of the component Premium Breakdown Rate Level Effect Rating Example etc Upload File Browse Standard file upload control Click the Browse button button to locate the completed rate component form Excel spreadsheet Cancel button Click this button to cancel the add upload form operation and navigate back to the Rate Component Form screen Save button Click this button to upload the form validate the form contents add the form and return to the Rate Component Form screen TO ADD UPLOAD A RATE COMPONENT To upload a completed rate component form perform the following steps e Select the rate component from the Rate Component List screen The Rate Component Form screen will appear 6 21 2007 Page 24 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Click the Add Upload Form link from the Common Task section e Click the Browse button to locate your completed Excel spreadsheet form e NOTE Please make sure y
70. een nennen 67 To Assign a Territory Set at the Policy Coverage Level eseseeseseeess 68 PREVIEW TERRITORY SET icr tees ense eet en peo ne tne iones aeann ene o ers ee hope Ee rossi sacseadsencssntsvacsendsbscosncsts 70 TO Preview a Territory S amp t iesessis n extet Ed a ERR RE RR Rau a RD a PERDER YO 71 MANAGE COMPANIES T 72 ADD COMPANY TO PROGRAM ysis rens ipa FERES erpiar arere NaP aA PAR PEN ToO NIRE PEEP e eM NET RP UPPER ELENA 74 To Add a Company To a Program ccecececeee eect teen ene ene meses ene 75 6 21 2007 Page 4 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS REMOVE COMPANY FROM PROGRAM wessisiscesiss sieesvecnesssnvcsvac ott notte ti E YEN NEEE SA SERUNS kN EERENE REY RC HEN YET 76 To Remove a Company From a Program ssssssssesenneneemnmee eese 77 MANAGE SPECIALIY CLASS CODE SETS wiscssscescsesesssssesvsnesecesvcesoasesenssinssssvens snsosssnssesvecasconveanssavnes 78 To View the Specialty Class Code Set Description essen 79 To Edit a Specialty Class Code Set ssssssssssesseeeeenene nene nnn 80 To Delete a Specialty Class Code Set csssssssesseeseeeeen enne 80 ADD SPECIALIY CLASS CODE SET iitereieesttetisee el oreet bri re EHI EE E ase E EEES
71. eges within the PCRDCMS system The functionality of the new PCRDCMS will be outlined and explained over the course of the document 6 21 2007 Page 7 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS HIGH LEVEL PROCESS FLOW Manage Companies Screen A fo y Add Company to Remove P pany Company from rogram Program Return f 4 Y Y Filing initial or Start Initial Rate Statewide Rate Rate Level Effect Component List ii oe 2 Yes 3 Interrogatory Level Effect All Coverages Screen i Screen Screen 578 Screen t 3 3 y Premium Breakdown Rating Example Rate Level Forms Effect Forms Form Yes Y E Add File Form Upload Add File i Return Screen Screen a Confirmation Screen J Y V Rate Collection Rate Component Manage a Add Edit Class Ao Workbench List Class Code Lists p gt Code List i Screen Screen Screen Screen Manage Manage Manage Manage Programs Policies Coverages Territory Sets Scre
72. el Effect forms you do not have to download and fill out a form This form is actually a system screen that displays the summary of all the Rate Level Effect form data that was uploaded In order to be able to access this rate component all rate level effect forms for that program must be completed and uploaded In order to complete the Rate Level Effect All Coverages or Statewide Rate Level Effect forms you must click the Save button after reviewing verifying the data in the screen at the various levels Filing Program etc 6 21 2007 Page 87 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS PREMIUM BREAKDOWN Premium Breakdown is the percentage of premium that is allocated to the categories of commissions and brokerage other acquisition expenses general expenses premium taxes other taxes miscellaneous licenses and fees reinsurance costs profit and contingency loss and loss adjustment expenses and other expenses The sum is 100 The Premium Breakdown form is a rate component that is required at the filing level for each filing The basic layout of the form is shown below A B C D E G H J K L M N Premium Breakdown Type Program Policy Commissions and Brokerage Other Acquisition Expenses General Expense
73. en Screen Screen Screen E Merge Existing Create New a Programs Program Screen Screen Y Y Y y Add Standard Add Edit Custom Add Standard Add Edit Custom Add Assign Territory Preview Territory Policy Policy Coverage Coverage Territory Set Screen Screen Screen Screen Screen Set Screen er Screen Replace Existing P Split Existing Program Screen Program Screen Add File gt Confirmation Screen 6 21 2007 Page 8 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS FILING COMPONENT LIST I FILE The Filing Component List is an existing screen within the I File Form amp Rate Filing Assembly and Submission system A new component called Rate Collection System has been added to allow users access to entering rate information for their filing OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout qe EE Filing Component List Work Unit Number W07 298871 Common Tasks Name 7 Purpose Rates Only Start a new filing Product Homeowners Multi Peril e Start Data Reporting e Submit a filing Listed below are all the components required to submit this filing To view a component click on its name Your changes are automatically saved To review the current details of Revo Omoa Tee your filing click Review this Filing e Ad
74. erages that have the Update Rates flag set To Generate the Rate Component List perform the following steps e From the Rate Collection Workbench screen click the Generate Rate Component List link e The following OK Cancel confirmation message will be displayed Are you sure you want to create the rate component list After the rate component list is generated you will no longer be able to make changes without having to clear the rate component list e Click the OK button to generate the rate component list and navigate to the Rate Component List screen e Click the Cancel button to cancel the rate component list generation and return back to the Rate Collection Workbench screen 6 21 2007 Page 17 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE COMPONENT LIST The Rate Component List screen will contain the list of components generated by the system based on information entered in the rate collection setup screens e g Manage Programs Manage Policies etc OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout 2 Rate Collection FILE f Rate Component List Component Name Last Updated Date EE Premium Breakdown 5 28 2007 4 12 17 PM Incomplete Return to Rate PROGRAM A Collection Workbench Rate Level Effect 5 28 2007 4
75. erritory within each OIR defined region for a policy coverage or specialty class code depending on the line of business Other items that vary by line of business are also collected like earned house years for homeowners multi peril earned car years for private passenger automobile or number of policies for commercial lines The proposed average annual premium and current average annual premium are used to calculate the rate level effect at the policy coverage or specialty class code level Note rate level effects can be caused by changes in rates and rating relativities and or by changes in coverage that are not offset by corresponding changes in rates Rate Level Indication Actuarial calculations which show the amount of change needed in the current rates to meet statutory requirements Rates and Rules Filing Any filing that includes revisions that do affect the premium that is charged to any existing or prospective policyholder other than RECOUPMENT ONLY filings and includes revisions that do not affect the premium that is charged to any existing or prospective policyholder See the RATES ONLY and RULES ONLY definitions for more detail Rates Only Filing Any filing that affects the premium that is charged to any existing or prospective policyholder other than RECOUPMENT ONLY filings The following are examples of this sub type of filing Any filing that adds revises or deletes base rates by territory Any filing that adds re
76. es sous E R 6 Who Should Use This Document c cece eect eee eee teers eens e neta estate eens tana 6 How to Use This DOCUMEN unnai viise Fees curae ka UR ends lin eee yeni gan vn 6 TOPICS zanai EMT 6 ConwventlOr5 iei siue nt ra ei E RR RE TIER FRRS3G G3 GGG GG GGG G GG NU GG G UG G3 P Kg e ER ERE XR X GR ers 6 INTRODUCTION soreer tk ue ExFEKPER SEEN RUE OX AEEA EXVRRS NER VEX RENE en eR aS 7 High Level Process FIOW iseesiexs naro exin Rhe xin nA Y RERER ER ARREREKTREXXR ARRA ET ARRENTR RRAERERRA 8 FILING COMPONENT LIST I EIDE eere sext In suot ety ea e Erea CER PANE epa rE o rk DESI NE eue Ere uon RU no eU bn AERES 9 To Access the Rate Collection System RCS ssssssssrrsssrrssrrrssrrrsrrrnnenrnsrrreserens 9 INITIAL RATE INTERROGATON Y iier EPOGYREXIS RYE EN ENEA ERA ERE RUNE SERERE NR ERE APRES A PRENNE 11 INITIAL RATE INTERROGAT ORY ieeeeteteetee ivre eee ev ove ete oat eva eee asasaran esre Vas Saas TER 11 To Define the Filing Type as New Programs csesseeemm mee 12 To Define the Filing Type as Existing Programs cssesseeeesenem 12 RATE COLLECTION WORK BENG LH is expenseeee see Yee e pee ee Exe eee nae enti noes ones YE ES E EER 13 To Start Over the Rate Collection Process sssssssesseememenenee 16 To Generate the Rate Component List cssssssesseeseee nennen 17 RATE COMPONENT LISD apto pea inser KY SERIES roria EPEE MESE SEEMS epousbazvpes sven sons PEER EI AEE E 18 To
77. eturn back to the Manage Companies screen Save button Click this button to add the company to the selected program To ADD A COMPANY TO A PROGRAM To add a company to a program perform the following steps e From the Manage Companies screen click the Add Company To Program from the Common Tasks and the Add Company To Program screen will appear e Select the Program to add a company to from the Select Program list When the program is selected the list of companies that can be added to the program is displayed e Select the company to add from the Select Company to Add list e Click the Save button NOTE If you do not select a program from the Select Programs list you will receive the following message Required fields are missing One program must be selected from the given list 6 21 2007 Page 75 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS REMOVE COMPANY FROM PROGRAM The Remove Company from Program provides the functionality to remove companies from existing programs within the companies in the current filing For example You are currently filing the following programs e Program A e Program B For companies e Company ABC 12345 e Company DEF 67890 As a result this screen will allow you to remove Company ABC or Company DEF from Program A
78. f Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS To SELECT THE BASE RATES FOR A POLICY The Base Rates checkbox is an indicator that is either set by the system or by the user It is used to identify what policy the rates will be based on when filling out the Rating Example form s from the Rate Component List screen To select the Base Rates indicator for a policy perform the following steps e Select the program containing the policy The list of policies for that program will be displayed in the Current Policies table e Check the corresponding checkbox under the Base Rates column for the policy to appear in the Rating Example form e Click the Save button NOTE Only one Base Rates checkbox can be checked for each policy type For example if a program has 4 policies HO 1 HO 2 and HO CUSTOM all with policy type of Owners and HO 4 with policy type of Tenants only one Base Rates checkbox can be checked for Owners and only one can be checked for Tenants If there is only one policy of a certain policy type then the Base Rates checkbox will be automatically checked and disabled for that policy NOTE If Base Rates checkbox is checked for a policy but the Update Rates checkbox is not checked the system will automatically check it and the system will now allow it to be unchecked To EDIT A CUSTOM POLICY To edit a policy perform the following steps e Select the program containing t
79. ge if insured caused accident 1 000 M P Medical payment coverage 1 000 per person per accident 10 000 P D Property damage liability coverage 10 000 maximum total per accident 10 000 P I P Personal Injury Protection No Fault for injuries to insured passengers and pedestrians 10 000 maximum per accident per person 10 20 U M Uninsured motorist coverage 10 000 per person maximum 20 000 per accident 100 Deductible Comprehensive Comprehensive Deductible coverage for damage to insured vehicle other than collision 250 Deductible Collision Collision and results in damage to insured vehicle 1103 Generator Available at the time of filing which will build all 1103 s for all 1104 s in the filing If this option is used for one 1104 it must be used with all 1104 s in that filing All Class Average Rate The average rate for all policy holders in a given territory Amount of Insurance The average amount of insurance in force for the latest annual period for each type of homeowners and mobile homeowners policy even though all types may not be included in the rate revision Annual Rate Certification Annual Rate Certification Section 627 0645 Florida Statutes Annual Rate Exemption Annual Rate Exemption Section 627 0645 Florida Statutes Assessment A financial obligation levied on an insurer by Statutory defined organizations e g JUA FWUA FIGA or FHCF Base Class The starting poi
80. gned Jnassign Available Territory Sets Territory sets uploaded by user or mandatory T Territory Set Name Type Defined Preview assign Delete Default Homeowners Territory Combined Hurricane Non Set Hurricane Standard Preview Assign Delete Default Homeowners Territory N Set Hurricane Standard Preview Assign Delete Default Homeowners Territory Set Non Hurricane Standard Preview Assign Delete Combined Hurricane Non My Territory Set Hurricane Custom Preview Assign Delete Common Tasks Upload Territory Clicking this link will navigate to the Add Territory Set screen Set Screen Elements Program amp Policy Displays the current list of all policies coverages in the current Coverage List filing Program Displays the name of the program Policy Coverage Name of the policy coverage within the program Territory Set Name The name of the uploaded or standard territory set from Available Territory Sets list For all 6 21 2007 Page 58 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS policies coverages currently not assigned a territory set the text unassigned will appear Type Lists the Territory Set type selected for the territory set Unassign Click this link to unassign the selected territory set from
81. he policy to edit The list of policies for that program will be displayed in the Current Policies table e For the custom policy to edit click the Edit link The system will navigate to the Add Edit Custom Policy screen The fields will be populated with the original policy information e Make any necessary modifications and click the Save button e The policy information is saved and will return to the Manage Policies screen NOTE You can only edit custom policies that were created within the current filing Any active custom policy created from a previous filing cannot be edited 6 21 2007 Page 44 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS To DELETE A POLICY To delete a policy perform the following steps e Select the program containing the policy to delete The list of policies for that program will be displayed in the Current Policies table e For the policy to delete click the Delete link e The following Yes No confirmation message will be displayed Are there any existing policy holders using this policy e Click the Yes button to cancel the delete inactivate policy operation and return back to the Manage Policies screen e Click the No button to prompt another yes no confirmation message Are you sure you want to delete inactive this policy e
82. his link to download the region definitions for Private Passenger Auto This spreadsheet lists the entire dichotomized and complex counties In addition the county parts and zip codes are listed for each dichotomized and complex county Component Name The name of the component uploaded Click the component name link to view the file See To Download an Uploaded Form topic Date Uploaded The last date time component was uploaded Delete Click this link to delete the uploaded form See To Delete an Uploaded Form topic NOTE If no forms have been uploaded for this rate component the following message will appear There are no documents currently uploaded for this component Click Download Form Template to download the template to your computer Pay special attention to instructions found in cells with notes comments attached These notes comments will give additional information on how to correctly complete the cells and spreadsheet Notes comments are found in cells that have a red triangle in the upper right hand corner Hover on the triangle with the cursor to read the note comment Complete the template and save it Then click Add Upload Form to upload the completed template to this component Back button Click this button to return back to the Rate Component List screen 6 21 2007 Page 21 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highl
83. included are Region 1 Region 2 Region 3 Region n Please download a new template to get a complete list 6 21 2007 Page 63 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ASSIGN TERRITORY SET The Assign Territory Set screen provides the functionality to uploaded territory sets at the filing level program level or policy coverage level All territory sets will be assigned at the policy coverage level so by providing the filing and program level options the systems allows for a bulk assignment to all policies coverages within NOTE This section will refer to a Policy Coverage in the screens and descriptions below Depending on the product chosen Homeowners Private Passenger Auto etc when the filing was created it will be displayed as either a Policy or a Coverage not both OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE Assign Territory Set Territory Set Name Homeowners Territory Set Territory Risk Type Combined Hurricane Mon Hurricane Select Level OC Filing O Program O Policy None Screen Elements Territory Set Name The name of the selected territory set Territory Type The territory type of the territory set Select Level Three levels options in which to assign
84. ink e The following OK Cancel confirmation message is displayed Are you sure you want to make changes to this filing If you select OK the rate components will be cleared and any components you have uploaded will be lost e Click the OK button to clear the rate component list and navigate to the Rate Collection Workbench screen e Click the Cancel button to cancel the operation and return back to the Rate Component List screen 6 21 2007 Page 19 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE COMPONENT FORM The Rate Component Form screen is a generic screen used to both download system generated rate component forms as well as upload the completed forms This screen will also display any responses versions of each form after the filing has been submitted for review The screen below represents the initial rate component form screen where no form has been uploaded OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection o FILE Rate Component Form There are no documents currently uploaded for this component Click Download Form Template Add Upload Form to download the template to your computer Pay special attention to instructions found in cells with notes attached Notes are found i
85. ion and return back to the Manage Territory Sets screen To DELETE A TERRITORY SET To delete a territory set perform the following steps e From the Manage Territory Sets screen select the appropriate Delete link of the territory set to delete from the Available Territory Sets table NOTE Only custom territory sets can be deleted standard territory sets will not have the Delete link available e The following OK Cancel confirmation message will be displayed The territory set will be unassigned from all policies in this filing and then deleted inactivated Are you sure you want to continue e Click the OK button to unassign the territory set from all policies in this filing and then delete the territory set e Click the Cancel button to cancel the operation and return back to the Manage Territory Sets screen 6 21 2007 Page 60 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD TERRITORY SET The Add Territory Set screen provides the functionality to upload a territory set in the form of an Excel spreadsheet In addition it provides a blank Excel template to use based on the selected Territory Set Type The spreadsheet will be validated on upload to ensure the format is correct and that every county region is accounted for within the territory set OFF
86. lected program Coverage Name Displays the name of the policy By clicking on the Policy Name the policy description will display in the Description field at the bottom of the screen Coverage Type Displays the type of policy Policy types will vary based on the product chosen during the filing creation process Defined Standard or Custom Standard policies are defined by the Office of Insurance Regulation Custom policies are defined by the insurance entity Update Rates A checkbox indicating to update rate information for this coverage If a coverage is new this checkbox will be checked and disabled Edit Click this link to edit the selected custom coverage See To Edit a Custom Coverage topic NOTE This link will be disabled for standard coverages Delete Click this link to delete the selected coverage See To Delete a Coverage topic Description Displays the description of the selected coverage See NOTE The links that appear in the Common Tasks will vary dependinc filing type new programs or existing programs and the rate collection associated with the current filing NOTE For new program filings if you attempt to access this screen and I created any programs you will receive the following error message x There must be at least one valid program in the fil page To View a Coverage Description topic ng to access this Back button Click this button to return to the Rate Colle
87. ling Component List Generate Rate Component List Screen Elements Click this link to Return to the Filing Component List I File screen Click this link to generate the rate component list based on the filing setup information See To Generate the Rate Component List topic Companies In Filing Lists all companies that are involved in the current filing The companies were selected during the filing creation process Company Name The name of the company NAIC Co Code The company s NAIC Company Code NAIC Group The company s NAIC Group Code Existing Programs for Companies in Filing Lists all existing programs for the companies in the current filing This table will only display if creating new programs Program Name The name of each existing program for the companies in the current filing Policy Coverage Name The list of existing policies coverages for each program Companies NAIC Company Code Lists by NAIC Company Code each company using the program If there are no existing programs the following text will appear There are no existing programs approved for the companies in this filing 6 21 2007 PCRDCMS RCS User Manual_Draft_v1 00_20070620 Page 15 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Filing Setup Information A tree
88. ling perform the following steps e Select the This is a filing for a new program option e Click the Next button Note If an option is not selected and the Next button is selected you will get the following error message Required fields are missing You must specify a filing type New or Existing TO DEFINE THE FILING TYPE AS EXISTING PROGRAMS If modifying existing program s for the companies participating in this filing perform the following steps e Select the This is a filing that modifies an existing program s option e Enter a 12 Month Ending Date by clicking the calendar icon zd to select a date NOTE Please enter the date in the format mm dd yyyy e g 04 12 2006 e Click the Next button Note If an option is not selected and the Next button is selected you will get the following error message Required fields are missing You must specify a filing type New or Existing 6 21 2007 Page 12 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE COLLECTION WORKBENCH The Rate Collection Workbench screen displays the manage programs manage policies coverages manage territory sets manage companies and manage class code lists screens The combination of the options list above that will be available on the Rate Collection Work
89. lumn C territory set associated with this policy coverage Territory Code Column D Lists each territory code that the corresponding county region has been included in within the territory set Number of Policies Column E The number of policies associated with current policy listed in the Policy column Earned Premium Column E The premium associated with policy coverage provided during the latest annual period Current Average Annual Premium Column E The average earned premium for the latest annual period at the current rate level Proposed Average Annual Premium The average earned premium for the latest annual period at the proposed rate level Column E Specialty 1 n For each column display the Specialty Class Code from the Columns F G Specialty Class Code Set associated with the current H dii policy coverage Policy Will appear as separate tabs worksheets within the form Worksheets The policies coverages are listed for each program in the current filing 6 21 2007 Page 104 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE LEVEL EFFECT VERSION C Properties of rate level effect version C e Rate Level Effect forms are required for each existing program that has at least one policy c
90. m in the Select Program list When the program is selected the list of companies that can be removed from the program is displayed e Select the company to remove from the Select Company to Add list e Click the Save button NOTE If you do not select a program from the Select Programs list you will receive the following message Required fields are missing One program must be selected from the given list 6 21 2007 Page 77 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS MANAGE SPECIALTY CLASS CODE SETS The Manage Specialty Class Code Sets screen provides the functionality to create specialty or class code sets and associate them to policies coverages within programs These sets will be used for collecting rating information within the rate components NOTE This section will refer to a Policy Coverage in the screens and descriptions below Depending on the product chosen Commercial Homeowners Private Passenger Auto etc when the filing was created it will be displayed as either a Policy or a Coverage not both OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE M 9 Manage Specialty Class Code Sets Select a Program My New Program vl Selected Policy GENERAL LIABILITY e Add Sp
91. m the beginning Any existing programs policies etc will not be cleared To start over with the rate collection process for the current filing perform the following steps e Click the Start Over link from within the Common Tasks section e The following OK Cancel confirmation message will be displayed All changes made to this filing will be lost are you sure you want to start over e Click the OK button to clear all rate collection information for this filing and navigate back to the Initial Rate Interrogatory screen e Click the Cancel button to cancel the operation and return back to the Rate Collection Workbench screen 6 21 2007 Page 16 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS TO GENERATE THE RATE COMPONENT LIST In order for the Generate Rate Component List link to become enabled the following must occur e A program must be created in the current filing or already exist from a previously approved filing e One or more policies coverages must exist within a program and the Update Rates flag set for at least one of the policies coverages e Territory sets must be uploaded and assigned to all policies coverages that have the Update Rates flag set e If applicable a specialty class code set must be created and assigned to all policies cov
92. mn J policy coverage Rate Enter the rate amount associated with the corresponding Column K territory code description Rating Example Worksheets Will appear as separate tabs worksheets within the form The rating examples are system generated and will vary based on the policy coverage for each rate product 6 21 2007 PCRDCMS RCS User Manual Draft v1 00 20070620 Page 92 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATING EXAMPLE VERSION B Properties of rating example version B e Rating Examples are required for each policy in each program for new and existing program filing types e Each Policy will have a separate Excel workbook e Each Rating Example will be a tab within the Excel Workbook e Editable fields are shaded in light yellow e Non editable fields are shaded in gray A B Cc D E F G H l J K L Do you s B Identical E Specialty Territory Territory Territory T offer Rating Example 5 Risk T Program Policy this Yes Description Risk Yes Difference Risk Type Class Data Code Code Code or No Code 1 2 n or No Program 1 Policy 1 buche dan i N A Spec Rate Spec2 Rate Spec3 Rate Spec4 Rate Spec5 Rate Spec6 Rate Spec7 Rate Spec8 Rate Specn
93. mpanies participating 6 21 2007 Page 41 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS in this filing When a program is selected from this list the policies assigned to this program will be displayed in the Current Policies table Current Policies list Displays the current list of policies for the selected program Radio button By selecting this button the policy description will display in the Description field at the bottom of the screen Policy Name Displays the name of the standard or custom policy Policy Type Displays the type of policy Policy types will vary based on the product chosen during the filing creation process Defined Standard or Custom Standard policies are defined by the Office of Insurance Regulation Custom policies are defined by the insurance entity Update Rates A checkbox indicating to update rate information for this policy If a policy is new this checkbox will be checked and disabled Base Rates A checkbox that indicates if the policy will be used in the Rating Example forms Edit Click this link to edit the selected custom policy See To Edit a Custom Policy topic NOTE This link will be disabled for standard policies Delete Click this link to delete the selected policy See To Delete a Policy
94. mponent list To select the Update Rates indicator for a coverage perform the following steps e Select the program containing the coverage The list of coverages for that program will be displayed in the Current Coverages table e For the coverage to be updated check the corresponding box under the Update Rates column e Click the Save button e The corresponding component s will appear when the rate component list is generated See To Generate the Rate Component List topic NOTE If you are adding a new program s the indicator will be automatically set for all coverages added to the program s If you are adding new coverages to existing program s the indicator will be automatically set for the new coverages If you are only updating rate information for an existing coverage within a program you will have to manually set this indicator prior to generating the rate component list 6 21 2007 Page 52 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS To EDIT A CUSTOM COVERAGE To edit a custom coverage perform the following steps e Select the program containing the coverage to edit The list of coverages for that program will be displayed in the Current Coverages table e To edit a custom coverage click the Edit link The system will navigate to the Add Edit Custom Coverage
95. n and return back to the Manage Specialty Class Code Sets screen Save button Click this button to save the current specialty class code set and return back to the Manage Specialty Class Code Sets screen To ADD A SPECIALTY CLASS CODE SET To add a specialty class code set perform the following steps 6 21 2007 PCRDCMS RCS User Manual Draft v1 00 20070620 Page 82 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e From the Manage Specialty Class Code Sets screen click the Add Specialty Class Code Set link from the Common Tasks section to display the Add Specialty Class Code Set screen NOTE If this link is disabled you have already added a specialty class code set for that program policy combination Either delete the current specialty class code set or select a different program policy combination e Enter the new set name in the Specialty Class Code Set Name field e Enter the set name description in the Specialty Class Code Set Description field e Assign any or all specialties class codes from the Available list to the Assigned list using the Add All or Add buttons e Remove any or all specialties class codes from the Assigned list to the Available list that were added on error using the Remove All or Remove buttons e To view the description of each specialty class code sel
96. n cells that have a red triangle in the upper right hand Download Form corner Hover on the triangle with the cursor to read the note Complete the template and save Template it Then click Add Upload Form to upload the completed template to this component The screen below represents the rate component form screen after a form has been ORIDA OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection o FILE Rate Component Form Current Forms e Add Upload Form SS Date Uploaded Delete Premium Breakdown 5 28 2007 5 33 56 PM Delete Download Form Template Common Tasks 6 21 2007 Page 20 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Add Upload Form Click this link to navigate to the Add Upload Rate Component screen NOTE If the Add Upload Form link is disabled a form for this rate component has been uploaded To upload a new form delete the current form first Download Form Template Click this link to download the system generated form associated with the rate component See To Download a Form Template topic See for details on the form templates generated by the system Private Passenger Auto Region Definitions PPA Only Current Forms List Screen Elements Click t
97. nage Specialty Class Code Sets screen Selected Policy Coverage Displays the policy coverage selected from the Manage Specialty Class Code Sets screen Specialty Class Code Set Name The name of the new specialty class code set to create Specialty Class Code Set Description The description of the new specialty class code set Assigned Specialties Class Codes The list of specialty class codes assigned to the set NOTE Any mandatory specialty class codes containing an asterisk in the name will automatically be added to the Assigned list and cannot be removed Available Specialties Class Codes The list of available specialty class codes to assign to the set lt lt Add All button Adds all available specialties class codes to the Assigned list and removes them from the Available list lt Add button Adds the selected specialties class codes to the Assigned list and removes them from the Available list Remove gt button Removes the selected specialties class codes from the Assigned list and moves them back to the Available list Remove All gt gt button Removes all specialties class codes from the Assigned list and moves them back to the Available list Specialty Class Code Description Displays the description of the selected specialty class code from either the Assigned or Available lists Cancel button Click this button to cancel the operatio
98. nage Policies screen click the radio button next to the policy name in the Current Policies table e The entire row will be in bold text and the description will appear in the Description field at the bottom of the screen TO UPDATE RATES FOR A POLICY The Update Rates indicator will identify the policies in which new or updated rate data will be collected This indicator is used to determine what components are generated in the rate component list To select the Update Rates indicator for a policy perform the following steps e Select the program containing the policy The list of policies for that program will be displayed in the Current Policies table e For the policy to be updated check the corresponding box under the Update Rates column e Click the Save button e The corresponding component s will appear when the rate component list is generated See To Generate the Rate Component List topic NOTE If adding a new program s the indicator will be automatically set for all policies added to the program s If adding new policies to existing program s the indicator will be automatically set for the new policies If only updating rate information for an existing policy within a program the indicator will need to be set manually prior to generating the rate component list 6 21 2007 Page 43 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office o
99. nt Underwriting Association FRPCJUA the Florida Windstorm Underwriting Association FWUA Florida Automobile Joint Underwriting Association FAJUA or the Florida Insurance Guaranty Association FIGA Renewal Business Date The date the proposed rates will start to be used on any renewal policies Requested Percent Change The rate level effect expressed as a change requested by the insurer for a given submission Review A process of analyzing a filing by OIR for statutory compliance Risk Differences A narrative that describes the differences between the risk denied by the insurer and the risk defined by OIR Only submitted if the identical risk box is not checked false Rules Only Filling Any filing that does not affect the premium that is charged to any existing or prospective policyholder The following are examples of this sub type of filing Any filing that serves to clarify existing rules or to correct typographical errors Any filing that adds revises or deletes underwriting rules that do not affect the premium that is charged to any existing policyholder Any filing that updates protection class assignments Any filing that adds optional miscellaneous coverages If you are not sure if your filing meets this definition you should submit a letter to the Office explaining the purpose of the filing and requesting our guidance This letter should be addressed to the Area Chief of the Area of Property and Casualty Form
100. nt for the very first time OR starting over the system will navigate to the Initial Rate Interrogatory screen o If accessing this component but have not generated a rate component list the system will navigate to the Rate Collection Workbench screen o If accessing this component and have generated a rate component list or created a response to this filing the system will navigate to the Rate Component List screen NOTE If the Rate Collection component does not appear in the component list then you have answered the list of interrogatories in a manner that would not require you to complete the rate collection component If you intended to use the rate collection component you will need to change your answers in the list of interrogatories by accessing the Interrogatories component 6 21 2007 Page 10 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS INITIAL RATE INTERROGATORY The initial rate interrogatory screen will appear when accessing the Rate Collection System for the very first time from the Filing Component List or if the option to Start Over was selected The purpose of this screen is to determine the current filing type i e if adding new programs or modifying existing programs of the companies participating in the current filing OFFICE OF INSURANCE REGUL
101. nt from which all rates for a given policy time are derived Base Rate Premium charged by the insurer for the base class 6 21 2007 Page 113 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Base Risk OIR specified risk defined for each policy type e g Frame structure insured for replacement cost at 75 000 with a single 250 deductible for all Section 1 perils combined Other structures insured at 10 of the amount of insurance on the structure Contents insured for replacement cost at 50 of the amount of insurance on the structure Loss of use insured at 20 of the amount of insurance on the stricture 100 000 Liability coverage 1 000 Medical expense Ordinance or law coverage provided at 25 of the amount of insurance on the structure I S O Protection Class 4 I S O HO 3 POLICY TYPE from which all other rates are calculated Base Risk Premium The premium charged by the insurer for an OIR defined base risk including both hurricane and non hurricane premiums Bodily Injury BI A form of liability coverage related to Private Passenger Auto Certificate of Authority COA The document that authorizes an insurer to sell insurance products in the state of Florida CITIZENS Citizens Property Insurance Corporation Combined Single Limit Liability Liability coverag
102. nual Rates OIR B1 576 Form Auto Florida Private Passenger Statewide rate level effect OIR B1 577 Form Auto Florida Private Passenger Auto rate level effect by company defined territories OIR B1 578 Form Auto Florida Private Passenger Auto rate level effect by OIR defined territories OIR B1 582 Form All filings must be submitted with this form This form provides specific information about the insurance company submitting the rate fling OIR B1 583 Form Expense Supplement Calculation of company lost cost multiplier OIR B1 595 Form Florida expense supplement for independent rate filings OIR Insurer File Number A unique identifier derived from concatenating the NAIC Group Code of the insurer and the Insurer File Number PCRDCMS Property and Casualty Rate Data Collection and Management System Percent Change in Base Rate 100 Proposed base rate current base rate 1 Percent Changes The percentage in variation in the rate level from the prior filing Personal Injury Protection PIP A form of liability coverage related to Private Passenger Auto Physical Damage Comp Collision Positively Disposed Filing A filing that has been approved or acknowledged 6 21 2007 Page 118 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS P
103. ode level Note rate level effects can be caused by changes in rates and rating relativities and or by changes in coverage that are not offset by corresponding changes in rates The table below lists what rate products use what form versions Each form version will be explained in detail in the sections following Rate Collection Product Rate Level Effect Form Personal Lines Homeowners Version A Mobile Homeowners Version A Dwelling Fire Version A Private Passenger Auto Version A Medical Malpractice Physicians amp Surgeons Version B Attorney Liability Version B Commercial Property Mono line Version C General Liability Version C Please refer to the table below for the specific column mappings by rate collection product i e line Statewide Rate Level Effect Column Mappings table Rate Collection Product 6 21 2007 Page 98 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Version A Homeowners X Mobile X Homeowners Dwelling X Fire Business X Owners Commercial X Residential Personal Auto X Commercial Auto Version B General X Liability Mono line X X Medical X Malpractice Attorney X Liability Legend A Specialty Clas
104. ollection and Management System PCRDCMS ADD STANDARD COVERAGE The Add Standard Coverage screen will provide the functionality to add standard coverages to new and existing programs within the current filing OFFICE OF INSURANCE REGULATION Contact Us Account Filing Search Logout Rate Collection FILE pm Add Standard Coverage Selected Program My Auto Program Select a Standard Coverage Help EBENEN ISSN Coverage Type O BI Liability gt PD Liability UM Liability MP Liability oO0000 o z E Physical Damage COLL Physical Damage APC N A Description Comprehensive NOTE The list of standard coverages appearing in the list will be based on the rate collection product selected during the filing creation process Common Tasks None Screen Elements Selected Program Displays the name of the current program If the wrong program was selected return to the previous screen and select the correct program from the list Select a Standard Displays a list of the standard coverages It will only display Coverage list the unassigned coverages Any standard coverages 6 21 2007 Page 54 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS previously added will not appear in the list Coverage Name
105. option only When the Policy option is selected the Select a Program list will appear The list will be a single selection and will contain the programs that have at least one policy coverage with a territory set assigned Current Policies Coverage List multi selection Policy Coverage option only When a program is selected from the Select a Program list the current policies coverages that do not have a territory set assigned will appear in the Current Policies Coverages multi selection list Cancel button Click this button to cancel the operation to return back to the Manage Territory Sets screen Save button Click this button to assign the territory set to the filing program or policy coverage level and return back to the Manage Territory Sets screen 6 21 2007 PCRDCMS RCS User Manual_Draft_v1 00_20070620 Page 65 of 123 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS NOTE If there are no policies coverages in the current filing the following message will appear At least one policy coverage must exist in order to assign a JJ Territory Set NOTE If the Filing Level option is disabled as shown below Territory Set Name Homeowners Territory Set Territory Risk Type Combined Hurricane Non Hurricane Select Level Program O Policy This means tha
106. or Program B NOTE The screen below will remove Company DEF from Program B when the Save button is clicked OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout n Rate Collection FILE Remove Company ProgramName __ Companies NAIC Co Code 12345 67890 PROGRAMA PROGRAM B 12345 67890 Select Company to Remove COMPANY DEF v Common Tasks None Screen Elements 6 21 2007 Page 76 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Select Program list The list of programs displayed should contain at least one of the companies in the current filing but cannot include companies that are not in the current filing Select Company to The list of the companies that can be removed from the Remove list selected program Cancel button Click this button to cancel the operation and return back to the Manage Companies screen Save button Click this button to add the company to the selected program TO REMOVE A COMPANY FROM A PROGRAM To add a company to a program perform the following steps e From the Manage Companies screen click the Remove Company From Program from the Common Tasks and the Remove Company From Program screen will appear e Select the Program to remove companies fro
107. orth Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS To Replace an Existing ProGram ccecceeeeee teeter ne eee nemen 36 SPLIT EXISTING PROGRAM retos itttee re busto sor Stet erre aep sa Pra Eee b Ee PEDE b EF ee E e PE MM CU SE FEE oe S PER rna io eo Vue 38 To Split ani Existing Program eorr rtr xen ree xke Y a a c e RR a 39 MANAGE POLICIES as sss vas cueccnassalennpeasbeusdesviesecseannetesvarvanssecesmavileasaise alessdes vbedsdansned secu EPEE 41 To View a Policy Description cece eect mmm 43 To Update Rates For a Policy s siriwwi iasa sanien nna mmn 43 To Select the Base Rates For a Policy ccceeeee eect eee e eee e eee eee ee eee nena ee eneeas 44 To Edit a Custom Polley x i existere retia esae ver vies Fax xe Y va ae aud or FRE a d 44 TO Delete a PoliCy oie tpe re a e ohh ERU KOC PER IX EE ERR cube TR EE X ERE ERR 45 ADD STANDARD POLICY eneeseenseekec sese sce eaae oa be ea eee g or abes oko a STR eee Ens aI RN E Eo ORDEN oN eE Na REES EEEE 46 To Add a Standard POoliCy 5 ocior eret otn ix een e I RE CR RR 47 ADD EDIT CUSTOM POLICY ete be ete poer PEU ar PH este POPE EE HE EUR TE E EE EE 48 TO Add a Custom Policy x t trn Ebert ie epe rex eter vied tev Va c RR e RD Fa Vica 49 MANAGE COVERXAGEB icit ie pete estu oaeen aeoaea pase eR LOL ea TEE EE EEA ia 50 To View a Coverage Description cece tet emen menm nnn
108. ou close the spreadsheet before uploading the file otherwise you will receive an error Click the Save button and a progress bar will display while the file is uploaded and verified If uploaded is successful the following screen will appear e ad LORIDA OFFICE OF INSURANCE REGULATION Account Logout Filing Search Rate Collection Help Contact Us Home Q Add Upload Rate Component 27 FILE Premium Breakdown uploaded successfully This component is now complete e Click the Continue button to return back to the Rate Component Form screen NOTE If you do not select a file to upload you will receive the following message Q If you attempt to upload a form that is not an Excel spreadsheet you will receive Required fields are missing You must specify a file to upload the following message This file does not appear to be a valid Excel 97 or later binary file e Please try opening it in Excel 97 or later and saving as Microsoft Excel Workbook xls If you attempt to upload a completed form that is still open in Excel you will receive the following message The file is locked and can not be uploaded Please make sure the file eo is closed before trying to perform the upload operation If you attempt to upload a completed form that is missing information or is not in Version 1 00 Draft The North Highland Team 6 21 2007 Page 25 of 123 PCRDCMS RCS Use
109. overage must be selected 6 21 2007 Page 69 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS PREVIEW TERRITORY SET The Preview Territory Set Screen will display territory codes and counties regions that make up the standard territory set or the territory set uploaded The preview will be read only and is designed to allow the entire territory set to be viewed NOTE The sample screen below is not a complete territory set it has been reduced in size by removing regions for display purposes OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout T Rate Collection FILE s Preview Territory Set Territory Set E Code Territory Description Homeowners Territory Set Alachua Alachua z Baker Baker 23 Bay Bay 45 Bradford Bradford 19 Brevard Brevard 10 Broward Broward 58 Calhoun Calhoun 53 Charlotte Charlotte 47 Citrus Citrus 48 Clay Clay 64 Collier Collier 29 Columbia Columbia 37 Taylor Taylor 63 Union Union 08 Volusia Volusia 65 Wakulla Wakulla 36 Walton Walton 50 Washington Washington Common Tasks None Screen Elements Territory Set table Read only listing of the complete territory set by Territory Code Territory Description and Region Save button Click this button to return to the Manage Territory Se
110. overage with the Update Rates indicator set e Each Program will be a separate rate level effect component e Each Policy Coverage will be a tab within each program e Editable fields are shaded in light yellow e Non editable fields are shaded in gray Cc D E I G H l Program Policy Specialty Class Code Data Territory 1 Territory 2 Territory 3 Territory 4 Territory n My Program Policy 1 10010 Total Amount of Insurance in 000s Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium 10011 Total Amount of Insurance in 000s Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium 10012 Total Amount of Insurance in 000s Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium 10443 Total Amount of Insurance in 000s Number of Policies Earned Premium Current Average Annual Premium Proposed Average Annual Premium Policy 1 Policy 2 Policy 3 Policy n Locked cells that are system generated or calculated Unlocked cells for user to enter data Form Elements Program The program containing the policy listed in the Policy column
111. p C Rate Data Collection and Management System PCRDCMS If you enter a program name that is already in use you will received the following error message A business rule violation occurred The program name you have entered is already being used Please enter a different program name 6 21 2007 Page 37 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS SPLIT EXISTING PROGRAM The Split Existing Program screen allows for the splitting of an existing program into two programs within the current filing As part of the program split process enter a new program name select the program to split and select the appropriate companies from the list OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout S Rate Collection FILE s Replace Existing Program Existing Programs Select Program to Replace ProgramName _Companies NAIC Co Code O HOMEOWNERS POLICY PROGRAM HO 12345 67890 Select Companies for New Program I Company Name NAIC Co Code NAIC Group INSURANCE COMPANY ABC 12345 1234 INSURANCE COMPANY DEF 67890 1234 Cancel Save None Screen Elements New Program Name The name of the new program to create Existing Programs Lists all the current programs that are associated with the Select Progr
112. panies The list of companies currently participating in this filing for New Program list Company Name The full company name NAIC Co Code The NAIC company code NAIC Group The NAIC group code Cancel button Click this button to cancel the merge existing programs operation and return back to the Manage Programs screen Save button Click this button to save the new program information and return back to the Manage Programs screen NOTE If there is only one company in the filing the company checkbox in the Select Companies table will automatically be checked and disabled TO MERGE EXISTING PROGRAMS To merge existing programs perform the following steps e From the Manage Programs screen click the Merge Existing Programs link and the Merge Existing Programs screen will appear e Enter the name of the new program in the New Program Name field Name must be unique and cannot exceed 50 characters e Select 2 or more programs to merge from the Existing Programs list e Check one or more companies from the Select Companies list e Click the Save button NOTE If you attempt to merge and there is only one existing program in your filing you will receive the following message There are not enough programs in the Existing Programs list to merge Please select Cancel to return to Manage Programs If you do not enter a program name in the New Program Name field then you will receive the following message
113. ples are system generated and will vary based on the policy coverage for each rate product Exposure Base Code and Description Table Exposure Base Exposure Base Description Code a Area rate per 1 000 sq ft of area C Total Cost rate per 1 000 of total cost m Admissions rate per 1 000 admissions o Total Operating Expenditures rate per 1 000 of total operating expenditures p Payroll rate per 1 000 of payroll S Gross Sales rate per 1 000 of gross sales t Each rate per unit of exposure e g per person u Units rate per unit 6 21 2007 Page 97 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE LEVEL EFFECT FORM The rate level effect form is used to capture the current average annual premium and the proposed average annual premium by territory within each OIR defined region for a policy coverage or specialty class code depending on the line of business Other items that vary by line of business are also collected like earned house years for homeowners multi peril earned car years for private passenger automobile or number of policies for commercial lines The proposed average annual premium and current average annual premium are used to calculate the rate level effect at the policy coverage or specialty class c
114. policy including structure liability contents 2 HO 4 Renters policy contents 3 HO 6 Condo owners policy contents 4 MHO 3 Mobile Home policy like HO 3 except for mobile homes 5 MHO 4 Renting of mobile home Hurricane A named storm of 74mph winds or greater AKA a tropical cyclone Hurricane Coverage A portion of the annual premium charged by an insurer for windstorm coverage and flood coverage Hurricanes cause some of the losses under each one of these coverages Hurricane Premium A portion of an annual premium charged by an insurer for covering the risk associated with a hurricane Identical Risk Insurer rates are submitted for a risk that identically matches the risk defined by OIR Initial Percent Change The Requested Percent Change from the first submission of a given fling Insurer An organization licensed by OIR under part III of Chapter 624 F S or part I of Chapter 641 F S ISO An organization known as the Insurance Service Office The ISO helps its customers identify mitigate and price for risk by providing comprehensive data leading edge analysis and decision support services They also publish rating manuals CLM and policy forms 6 21 2007 Page 116 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Latest Annual Period The 12 month
115. r Manual Draft v1 00 20070620 Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS the correct format you will receive the following message e Input string was not in the correct format 6 21 2007 Page 26 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS MANAGE PROGRAMS The Manage Programs screen will display the list of new or existing programs within the current filing The screen will also allow the creating of new programs replace existing programs edit existing programs perform merge and split operations on existing programs and delete inactive programs Home Help Contact Us Account Filing Search Logout Rate Collection o FILE es Manage Programs essi List Companies NAIC Co Code FT My New Program 4 New 23035 33588 Edit Delete Add New Program z O My New Program B New 23035 ERIS Pi Merge Programs Program History Programs used in the Replace Merge Split operation Either this program has no history or no program has been selected for a history search Split Program Replace Program Common Tasks Add New Program Click this link to navigate to the Create New Program screen Merge Programs Click this link to navigate to the Merge Existing Programs screen Replac
116. r Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS receive the following message Required fields are missing A name must be provided If you do not select a file to upload you will receive the following message Required fields are missing You must specify a file to upload If you attempt to upload a form that is not an Excel spreadsheet you will receive the following message This file does not appear to be a valid Excel 97 or later binary file Please try opening it in Excel 97 or later and saving as Microsoft Excel Workbook xls If you attempt to upload a territory set file that is still open in Excel you will receive the following message The file is locked and can not be uploaded Please make sure the file is closed before trying to perform the upload operation If you attempt to upload a territory set file that contains an invalid county region you will receive the following message The region Region is not matching any regions in the master list available for this product line Can not upload Territory Set If you attempt to upload a territory set file that is missing counties regions or is not in the correct format you will receive the following message The list of regions for the product in the current filing is incomplete in the uploaded territory set Regions that were not
117. r only those programs that have changed in the current filing The Select a Program list will default to the program associated with the Statewide Rate Level Effect component from the Rate Component List screen Statewide Rate Level Effect Data table Policy Coverage The name of the policy coverage Specialty Class Code Version B Only See Statewide Rate Level Effect Column Mappings table above for complete listing of remaining columns that will appear based on the rate product of the filing Cancel button Click this button to cancel the operation and return to the Rate Component List screen Save button Click this button to Complete this Rate Component and return to the Rate Component List screen NOTE If the Rate Level Effect rate component for the current program has not been completed and uploaded when accessing the Statewide Rate level Effect rate component you will get the following message H NOTE The Rate Level Effect must be completed before this component can be generated 6 21 2007 Page 112 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS GLOSSARY OF TERMS 10 20 B I Bodily Injury coverage 10 000 maximum per person per accident and 20 000 maximum per accident all person note liability covera
118. ram information and return back to the Manage Programs screen NOTE If there is only one company in the filing the company checkbox in the Select Companies table will automatically be checked and disabled TO REPLACE AN EXISTING PROGRAM To replace an existing program perform the following steps e From the Manage Programs screen click the Replace Existing Program link and the Replace Existing Program screen will appear e Enter the name of the new program in the New Program Name field Name must be unique and cannot exceed 50 characters e Select a program to replace from the Existing Programs list e Check one or more companies from the Select Companies list e Click the Save button NOTE If you do not enter a program name in the New Program Name field then you will receive the following message x Required fields are missing A name must be provided If you do not select a program from the Existing Programs list you will receive the following message Required fields are missing One program must be selected from the given list If you do not select any companies from the Select Companies for New Program list you will receive the following message eJ Required fields are missing At least one company must be selected 6 21 2007 Page 36 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P am
119. rate fluctuations inflation deflation or other like factors that are not part of an insurer s experience Trend can be stated as a percentage of the rate to which it applies Type of Filing Categories that comprise an E Filing e g Base state FWUA Recoupment FHCF Recoupment Uninsured Motorist UM A form of liability coverage related to Private Passenger Auto Use and File The insurer may use the requested rates while awaiting response of filing The insurer must file with 30 days of use This type of filing is no longer allowed by OIR 6 21 2007 Page 122 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ACCEPTANCE Property and Casualty Rate Data Collection and Management System Deliverable RCS User Manual Prepared by The North Highland Team Date 6 20 2007 By signing this Deliverable Acceptance Sheet OIR acknowledges and agrees they have carefully reviewed this deliverable and agrees this deliverable satisfies all applicable specifications and other requirements of OIR pursuant to OIR s Agreement with The North Highland Company Acceptance History OIR Project Manager Angela Lockwood Date Project Manager OIR Project Sponsor Date North Highland Project Manager Mark Ervin Date Project Manager 6 21 2007 Page 123 of 1
120. rcial Multi 05 0 Indivisible Package 05 0002FLC Non owners Peril Residential Commercial 010 Property Fire 01 0 Property 01 0001FLC Commercial Property Non Residential Mono Line General 170 Other Liability 17 0FLH Premises amp 17 0018FL Premises amp Liability Operations Products and Operations Products and Completed Operations Completed Operations Med Mal 110 Medical Malpractice 11 0 Med Mal Claims 11 0023 Physicians amp Physicians Made and Occurrence Surgeons amp Surgeons 6 21 2007 Page 85 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Attorney Liability Commercial Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS 170 Other Liability 194 Commercial Auto Full Coverage or Liability 194 Commercial Auto Full Coverage or Liability 194 Commercial Auto Full Coverage or Liability 194 Commercial Auto Full Coverage or Liability 212 Commercial Auto Physical Damage Only 17 0FLE Errors and Omissions 20 0 Commercial Auto 20 0 Commercial Auto 20 0 Commercial Auto 20 0 Commercial Auto 20 0 Commercial Auto 17 0019FLB Lawyers 20 0001FL Business Auto Private Passenger Types Not Used as Taxis Limos etc 20 0002 Garage 20 0003FLA Trucking Hauling 20 0003FLB Public Autos Busses Taxis Limos etc 20 0000FL
121. remium Consideration paid or to be paid to an insurer for the issuance and delivery of any binder or policy of insurance Premium Exposure rate where exposure means the number of units of insurance being purchased Premium Breakdown The percentage of premium that is allocated to the categories of commissions and brokerage other acquisition expenses general expenses premium taxes other taxes miscellaneous licenses and fees reinsurance costs profit and contingency loss and loss adjustment expenses and other expenses The sum is 100 Pricing Track A general descriptor of the level of rates There are three choices preferred standard and non standard Prior Filing The most recent filing prior to the proposed filing being reviewed Non disapproved Non withdrawn Product The set of rates and rate modifiers associated with a benefit plan opened by one insurer in one market through one provider network Product line All of the products of a given plan type covered by one insurer within one market Program Insurer defined set of rates with specific underwriting rules and rates for a specific type of risk Program Name A marketing name given by the insurer to a particular set of rates An insurer defined name for a given program Property Damage PD A form of liability coverage related to Private Passenger Auto Proposed Average Annual Premium The average earned premium for the latest annual period at the
122. rkbench screen NOTE The links appearing in the Common Tasks will vary depending on the filing type new programs or existing programs and the rate collection product associated with the current filing To SHOW THE PROGRAM HISTORY To show the program history perform the following steps e From the Program List click the Select link of the program in question e The program history will display in the Program History table at the bottom of the screen NOTE Historical information will only display if the selected program was created as a result of a replace merge or split operation To DELETE AN EXISTING PROGRAM To delete an existing program perform the following steps applies to filings with the new program filing type only e From the Program List click the Delete link of the program to delete e The following OK Cancel confirmation message will be displayed Are you sure you want to delete this program All policies coverages territory sets and class code lists associated with this program will also be deleted e Click the OK button to delete the program and navigate back to the Manage Programs screen 6 21 2007 Page 28 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e Click the Cancel button to cancel the operation and return back to the Man
123. rty Mono line NOTE Pay special attention to instructions found in cells with notes comments attached These notes comments will give additional information on how to correctly complete the cells and spreadsheet Notes comments are found in cells that have a red triangle in the upper right hand corner Hover on the triangle with the cursor to read the note comment Complete the template and save it Then click Add Upload Form to upload the completed template to this component 6 21 2007 Page 90 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATING EXAMPLE VERSION A Properties of rating example version A Rating Examples are required for each policy type in each program for new and existing program filing types For PPA and Commercial Auto rating examples are required for each coverage in each program for new and existing program filing types Each Policy Type will have a separate Excel workbook file For PPA each coverage will have a separate Excel workbook Each Rating Example will be a worksheet tab within the Excel Workbook Editable fields are shaded in light yellow Non editable fields are shaded in gray A B c D E E G H l J K ee Rating Example rends Risk Territory Territory Territory Rate rogram policy this Yes Description ERNE Difference W
124. s Premium Taxes Misc License and Fees Reinsurance Costs Profit and Contingency Loss and Adjustment Expenses 5 Other Description Other ds Total 710024 Program 1 Type 1 Policy 1 Policy 2 Policy 3 Policy 4 Type2 Policy 1 Policy 2 Policy 3 Policy 4 Program 1 Program 2 Program 3 Program n Unlocked cells for user to enter data Locked cells that are system generated or calculated Form Elements Program The current program name Column A Premium The types will vary based on rate product see Premium Breakdown Type Breakdown Type table below Column B Policy Lists each policy in the program Each Policy will have a Column C separate row for each Premium Breakdown Type Premium Enter a percentage for each column Please enter description Breakdown in the Other Description column column L if a percentage is entered in the Other column column M Columns D E F G H I J K M Total Sum of all premium breakdown columns Row total must Column N equal 100 6 21 2007 Page 88 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Worksheets
125. s Code B Total Amt of Insurance in 000s C Earned Car Years D Earned House Years E Number of Policies F Earned Premium G Earned Premium Current Rate H Annual Change I Initial Annual Change 9 7 6 21 2007 Page 99 of 123 PCRDCMS RCS User Manual Draft v1 00 20070620 Version 1 00 Draft The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS RATE LEVEL EFFECT VERSION A Properties of rate level effect version A e Rate Level Effect forms are required for each existing program that has at least one policy coverage with the Update Rates indicator set e Each Program will be a separate rate level effect component e Each Policy Coverage will be a tab within each program e Editable fields are shaded in light yellow e Non editable fields are shaded in gray c E F G H J K IL M N Program Policy Base Class Description Risk Type Territory Set Name County Region Territory Code Total Amount of Insurance Earned House Years Earned Premium Current Rate Current Base Rate Proposed Base Rate Current Average Premium Proposed Average Premium My Program Policy 1 Hurr Terr Set 1 Alachua Terr Terr2 Terra Terr4 Total Baker Terr Terr2 Terra Terr4 Total
126. s and Rates Set All forms in a given submission Statewide Rate Level Effect Form The statewide rate level effect form is used to calculate the weighted average of the various rate level effect forms by policy coverage or specialty class code into an overall rate level effect for the program Submissions The data OIR receives from an insurer on a particular date for a particular filing 6 21 2007 Page 121 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Territories Geographic areas defined by an insurance company Territory Code A sequence of alphanumeric characters for a territory defined by an insurance company Territory Description Includes county and narrative description of territory as defined by an insurance company Total Amount of Insurance For all property lines of business the total amount of insurance is the maximum amount of property loss on insured properties This includes coverage for structures appurtenant structures contents loss of use and all additional property coverages Total Percentage Changed 100 proposed average premium current average premium 1 Trend The projection of future factors to be used as rate multipliers that indicate variance in the cost of doing business Trend can be based on seasonal variations interest
127. swer is No then all other data entered in this form will be ignored Rating Example Description Column D Displays the current rating example description for the rating example displayed in the current worksheet tab Identical Risk Yes or No Column E Enter select Yes or No Enter Yes if the rate risk description is identical to the rating example description Enter No if they are not identical Risk Difference If the answer is No to Identical Risk enter the risk difference here to describe the difference between the rated risk and Column F i a rating example description Risk Type Hurricane and Non Hurricane Column G If an assigned combined hurricane non hurricane territory set to the policy coverage is uploaded then that territory set will be repeated twice for risk types hurricane and non hurricane Otherwise each individually uploaded and assigned territory set one for hurricane and one for non hurricane will be listed separately Territory Set Name Column H The name of the territory set assigned to the policy coverage from the filing setup in the Rate Collection Workbench screen Territory Code Displays all territory codes from the territory set in Territory Set Name assigned to the corresponding policy coverage Column I Territory Displays all territory descriptions from the territory set in Description Territory Set Name assigned to the corresponding Colu
128. t at least one policy coverage has been assigned a territory set To assign the remaining policies select either the Program or Policy option See To Assign a Territory Set at the Program Level or To Assign a Territory Set at the Policy Coverage Level topics To enable the Filing option you will have to unassign all territory sets from the Manage Territory Sets screen See To Unassign All Territory Sets topic NOTE If the Program Level is disabled as shown below Territory Set Name Homeowners Territory Set Territory Risk Type Combined Hurricane Non Hurricane Select Level O Policy This means that at least one policy coverage has been assigned in each of the programs within the current filing Select the Policy option to assign a territory set to the remaining policies coverages See To Assign a Territory Set at the Policy Coverage Level topic To enable the Program option you will have to unassign all policies coverages for a program or programs from the Manage Territory Sets screen See To Unassign a Territory Set topic 6 21 2007 Page 66 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS NOTE If the Policy Coverage Level is disabled as shown below Territory Set Name Homeowners Territory Set Territory Risk Type Combined Hurricane Non H
129. te Collection FILE 7 Add Edit Custom Coverage Selected Program My Program Coverage Name LIAB Coverage Type Liability v Description Common Tasks None Screen Elements Selected Program Displays the name of the selected program If the wrong program is selected return to the previous screen and select the correct program from the list Coverage Name The name of the new custom policy Coverage Type The list of coverage types available This coverage types appearing in this list are based on the product selected during the filing creation process Description The user defined description of the custom coverage Cancel button Click this button to cancel the operation and return back to the Manage Coverages screen Save button Click this button to add the new custom coverage and return 6 21 2007 Page 56 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS back to the Manage Coverages screen To ADD A CUSTOM COVERAGE To add a custom coverage perform the following steps e Enter the Coverage Name e Select a Coverage Type from the list provided e Enter a description of the custom coverage in the space provided e Click the Save button The custom coverage will be added to the selected program an
130. the rate product associated with the filing See Rate Level Effect All Coverages Column Mappings table above for remaining column listings Page Navigation 1234567 Lists the number of pages of rate level effect data By clicking the page number hyperlink it will display the corresponding rate level effect data for the selected page Cancel button Click this button to cancel the operation and return to the Rate Component List screen Save button Click this button to Complete this Rate Component and return to the Rate Component List screen NOTE If the Rate Level Effect rate component for the current program has not been completed and uploaded when accessing the Rate level Effect All Coverages rate component you will get the following message 4 NOTE The Rate Level Effect must be completed before this component can be generated 6 21 2007 Page 109 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS STATEWIDE RATE LEVEL EFFECT The statewide rate level effect form is used to calculate the weighted average of the various rate level effect forms by policy coverage or specialty class code into an overall rate level effect for the program The Statewide Rate Level Effect screen is a system screen that displays a summary of
131. the territory set to assign and the Assign Territory Set screen will appear e Select the Policy Coverage option NOTE If the Policy Coverage option is disabled see the Assign Territory Set screen overview for a detailed description e The Select a Program single selection list will display listing all programs that have at least one unassigned policy coverage 6 21 2007 Page 68 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e Select a program from the list The Current Policies Coverages list will appear displaying a list of all unassigned policies coverages for the selected program Territory Set Name Homeowners Territory Set Territory Risk Type Combined Hurricane Non Hurricane Select Level Oo Filing O Program 9 Policy Select a Program PROGRAM A vj Current Policies Policy Name E policy Type E Defined E Ho 4 Tenants Standard Cl no s Owners Standard l no e Condominiums Standard e Select one or more policies coverages from the list Click the Save button All selected policies coverages within the selected program will be assigned the territory set NOTE If you do not select a policy coverage from the Current Policies Coverages list you will receive the following message Required fields are missing At least one policy c
132. ton to cancel the operation and return back to the Rate Component Form screen TO DOWNLOAD A FORM TEMPLATE To download a rate component form template perform the following steps 6 21 2007 Page 22 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS e From the Manage Territory Sets screen click the Upload Territory Set from the Common Tasks and the Add Territory Set screen will appear e Click the Download Template link from the Common Tasks section You will be prompted to Open or Save the template File Download Do you want to open or save this file x Mame RateComponent xls Hl Type Microsoft Excel Worksheet From appst fldfs com harm your computer If you do not trust the source do not open or m While files from the Internet can be useful some files can potentially save this file What s the risk e Click the Save button to save the file to a location on your computer or the Open button to open the file 6 21 2007 Page 23 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS ADD UPLOAD RATE COMPONENT The Add Upload Rate Component Form screen provides the functionality to upload a complet
133. ts 6 21 2007 Page 70 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS screen TO PREVIEW A TERRITORY SET To preview a standard or user uploaded territory set perform the following steps e From the Manage Territory Sets screen select the appropriate Preview link of the territory set to be view from the Available Territory Sets table The Preview Territory Set screen will appear e A read only display of the territory set is displayed e Click the Back button to return to the Manage Territory Sets screen 6 21 2007 Page 71 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS MANAGE COMPANIES The Manage Companies screen displays the companies in the current filing as well as what program s are being offered by each company in the current filing OFFICE OF INSURANCE REGULATION Home Help Contact Us Account Filing Search Logout Rate Collection FILE f Manage Companies Companies in Filing 1234 INSURANCE COMPANY ABC 12345 Add Company To INSURANCE COMPANY DEF 67890 1234 Program Remove Company From Program Program Company Information PROGRAM amp
134. ty class code set See To Edit a Specialty Class Code Set topic Delete Click this link to delete a specialty class code set See To Delete a Specialty Class Code Set topic Description Displays the description of the selected Specialty Class Code Set See To View the Specialty Class Code Set Description topic Back button Click this button to return back to the Rate Collection Workbench screen NOTE The links that appear in the Common Tasks will vary depending on the filing type new programs or existing programs and the rate collection product associated with the current filing NOTE If all policies coverages have been assigned a specialty class code set the Add Specialty Class Code Set link will be disabled In order to add another specialty class code set you will first have to delete an existing set first TO VIEW THE SPECIALTY CLASS CODE SET DESCRIPTION To view the description of a specialty class code set perform the following steps e From the Manage Specialty Class Code Sets screen click the radio button next to the Specialty Class Code Set Name in the Current Specialty Class Code Sets table e The entire row will be in bold text and the description will appear in the Description field at the bottom of the screen 6 21 2007 Page 79 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp
135. ulation P amp C Rate Data Collection and Management System PCRDCMS Component List screen Screen Elements Rate Component List The list of rate components generated Component Name The name of the component By clicking on the component name link the Rate Component Form screen will appear Last Updated Date The last date time the component was uploaded Status The current status of the component Original filing statuses Incomplete and Complete Response filing statuses and Included NOTE For original filings in order for the I File Rate Collection System component status to be complete all required rate components must be in the Complete status For all response filings at least one rate component must be in the Included status in order for the I File Rate Collection System component status to be set to Included To MAKE CHANGES TO THE CURRENT FILING Once the rate component list is generated the only way to return to the Rate Collection Workbench screen is to make changes to programs policies coverages territory sets etc is by clicking the Make Changes link By doing this all completed components i e all uploaded spreadsheets will be lost because the rate component list will need to be regenerated as a result of making changes to the filing To make changes to the current filing perform the following steps e From the Rate Component List screen click the Make Changes l
136. umn Do You Offer This Yes or No Column C This question is asking whether or not you can calculate a rate for the rating example description shown to the right In the majority of cases the answer to this question is Yes For example if your program doesn t accept any Group 1 perils coverage for frame structures you would answer No If you answer No in this cell no additional information is needed to complete the template Rating Example Description Column D Displays the current rating example description for the rating example displayed in the current worksheet tab Identical Risk Yes or No Column E In this cell specify whether or not you can price the rating example description EXACTLY as written If you can choose Yes and leave the Risk Difference cell blank If you can not choose No for this cell and in the Risk Difference cell state what the differences are For General Liability and Commercial Non residential programs the Identical Risk will always be Yes Risk Difference Enter the risk difference here to describe the difference between the rated risk and rating example description Column F Risk Type Not Applicable except for Commercial Property Mono line Column G there will be 2 risk types Group 1 and Group 2 Specialty Class Code Column H For each Risk Type display each Specialty Class Code from the Specialty Cl
137. urricane Select Level This means that all policies coverages are assigned a territory set To enable the Policy Coverage option you will have to unassign a policy coverage from the Manage Territory Sets screen See To Unassign a Territory Set topic NOTE For filings that use Hurricane Non Hurricane Combined Territory Set Types There are three territory set types defined o Hurricane o Non Hurricane o Combined Hurricane Non Hurricane When assigning territory sets you will have to either assign a territory set to a policy coverage twice if you have different rates for hurricane and non hurricane use Hurricane type and Non Hurricane type or only once if both hurricane and non hurricane rates are combined use Combined Hurricane Non Hurricane type TO ASSIGN A TERRITORY SET AT THE FILING LEVEL To assign a territory set at the Filing level perform the following steps e From the Manage Territory Sets screen click the Assign link of the territory set you would like to assign and the Assign Territory Set screen will appear e Select the Filing option NOTE If the Filing option is disabled see the Assign Territory Set screen overview for a detailed description e Click the Save button All policies coverages in all programs within the current filing will be assigned the territory set TO ASSIGN A TERRITORY SET AT THE PROGRAM LEVEL To assign a territory set at the Program level perform the following steps e
138. view listing all of the information for the current filing This tree view will list all programs and all companies policies coverages within each program In addition territory sets and specialty class code sets assigned to each policy coverage are also listed The following additional text will appear for each policy coverage Update Rates selected If appears next to the policy coverage this indicates the Update Rates checkbox was checked for this policy coverage See To Update Rates For a Policy or To Update Rates For a Coverage topic No Territory Sets assigned Indicates a policy coverage does not have a territory set assigned All policies coverages must have a territory set assigned in order to generate the Rate Component list See the Manage Territory Sets screen No Specialty Class Code Set assigned Commercial Only Indicates there is no Specialty Class Code set currently assigned to the Policy Coverage See the Manage Specialty Class Code Sets screen NOTE The links appearing in the Common Tasks section will vary depending on the filing type new programs or existing programs and the rate collection product associated with the current filing TO START OVER THE RATE COLLECTION PROCESS Starting over is a process that allows the user to clear out all new programs policies coverages territory sets rate components etc i e everything that was created in the current filing and start the process fro
139. vises or deletes rating factors Any filing that adds revises or deletes rating variable definitions Any filing that increases or decreases the amount of coverage provided to policyholders Any filing that adds revises or deletes underwriting rules that do affect the premium that is charged to any existing policyholder Rating Example A rating example is a detailed description of a hypothetical risk or a unit of exposure depending on the line of business In the rating example form the company provides a rate for each of its territories for that risk or unit of exposure 6 21 2007 Page 120 of 123 Version 1 00 Draft PCRDCMS RCS User Manual_Draft_v1 00_20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS Rating Period The calendar period for which premium rates are established by an insurer offering coverage is assumed to be in affect RCS Verification Rating examples provided by the user to show how rates are determined Recoupment Filing This type of filing is statutory denied to allow the insurer to recoup an assessment previous unpaid to either of the following groups FWUA FIGA FHCF or JUA s Recoupments Only Any filing related to the recoupment of premiums or assessments paid to the Florida Hurricane Catastrophe Fund FHCF Citizens Property Insurance Corporation CITIZENS the Florida Residential Property and Casualty Joi
140. xisting Programs list e Check one or more companies from the Select Companies list e Click the Save button NOTE If you do not enter a program name in the New Program Name field then you will receive the following message x Required fields are missing A name must be provided If you do not select a program from the Existing Programs list you will receive the following message Required fields are missing One program must be selected from the given list If you do not select any companies from the Select Companies for New Program list you will receive the following message eJ Required fields are missing At least one company must be selected 6 21 2007 Page 39 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS If you enter a program name that is already in use you will received the following error message A business rule violation occurred The program name you have entered is already being used Please enter a different program name 6 21 2007 Page 40 of 123 Version 1 00 Draft PCRDCMS RCS User Manual Draft v1 00 20070620 The North Highland Team Florida Office of Insurance Regulation P amp C Rate Data Collection and Management System PCRDCMS MANAGE POLICIES The Manage Policies screen displays the current policies added or

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