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      Understanding Rule 85

      Seven-part series that provides a comprehensive understanding of Rule 85, a notoriously challenging rule in the Commercial Lines Manual (CLM)

      Welcome to our seven-part series on Understanding Rule 85, where we unpack the ins and outs of Rule 85 and its impact on property insurance.

      Each installment dives into a core element of Rule 85 - explaining key concepts, rating nuances, and real-world implications:

      CC1.1Part I: What Is Class‑Rated? 

      Understand the difference between class ratings and specific ratings,
      and how they streamline insurance for average properties. 

      CC2
      Part II: Construction Classes

      Learn about the seven construction types used in class rating
      and what they mean for premiums. 

      1-1-1
      Part III: The Rating Process 

      Discover the factors that go into rating a property under Rule 85,
      from protection class to CSP codes. 

      CC4
      Part IV: Who Is Class‑Rated?

      Find out which buildings typically qualify as class-rated -
      often smaller, low-hazard structures. 

      CC5
      Part V: Ineligible for Class Rates 

      Explore which properties don’t fit the class‑rated model
      and require specialized assessment. 

      CC6.1

      Part VI: Specialized Class Rates

      Learn about habitational, agricultural, marine,
      and other unique categories needing special rating methods. 

       

       

      Additional Resource(s):

      To Be Class Rated or Not To Be, Rule 85