1. On Standard One-Year Workers’ Compensation Policies

   Premium and loss data must be submitted on unit statistical reports in accordance with Part III, Items (6)(b) through (6)(f) of this Plan.

2. On Three-Year Workers’ Compensation Policies

   For three-year policies written in accordance with Rule III (C)(3) of the New York Workers’ Compensation and Employers’ Liability Manual, report the premiums and loss data in accordance with Item (19) below.

3. Statutory Workers’ Compensation Coverage Afforded Under Personal Liability Policies

   1. Experience to be Reported

      Whenever workers’ compensation and employers’ liability coverage for domestic workers is required by the New York State Workers’ Compensation Law and afforded by endorsement under a personal liability policy, statistical reports must be filed in accordance with the preceding sections of this Plan.  Premium and loss data must be reported only for workers’ compensation and related employers’ liability coverage and must not include any other liability coverage afforded under the personal liability policy.

   2. Time of Reporting

      1. If the personal liability policy is written for a three-year period, it shall be considered for reporting purposes as three consecutive annual policies having the same policy number, and three reports shall be filed at annual intervals.
      2. If the workers’ compensation and employers’ liability coverage is endorsed on an outstanding personal liability policy, the time for reporting experience for such coverage must be determined on the basis of the policy effective date, not the endorsement date.

Multiple year policies must be considered as separate policies for USR reporting purposes, and reports for each unit of (12) months or less shall be filed at the time all other USR reports on policies with the same effective date are being filed. If, however, a policy written for a period that is more than one year, but not more than one year and sixteen days, such policy must be treated as a one-year policy for reporting purposes. The USR reports for such policy must be filed at the time all other USR reports on policies with the same effective date are being filed. Losses must be valued 18 months after the effective date of each unit of experience, and at annual periods thereafter.

Examples:

1. The statistical reports on a three-year policy effective July 1, 2021 must be filed at the same time as other reports on policies effective in July 2021, July 2022 and July 2023. Losses shall be valued January 2023, January 2024 and January 2025, respectively.

2. The statistical reports on a policy covering the period July 1, 2022 to January 1, 2025, with the first six months considered as a unit, must be filed with other reports on policies effective in July 2022, January 2023 and January 2024. Losses shall be valued January 2024, July 2024 and July 2025, respectively.

3. The statistical reports on a policy covering the period July 1, 2022 to January 2025, with the last six months considered as a unit, must be filed with the other reports on policies effective in July 2022, July 2023 and July 2024.  Losses shall be valued January 2024, January 2025 and January 2026, respectively.

   Note: A policy issued for a period not longer than one year and 16 days is treated as a one-year policy.

Jurisdiction State Code identifies the governing jurisdiction that administers the claim.

Report all dollar amounts in whole dollars only.