Essentia Insurance Company (Antique & Classic Car)

As of September 2019

The following are the filings made by Essentia Insurance Company.

Filing  No./Overall Rate Indication Materials Included Effective Date
ESSN131970830

Rate/Rule

Antique/Classic Car

Rule:

  • Rule 3. Premium Determination
  • Rule 4. Premium Discounts and Surcharges
  • Optional Limits and Endorsements
    • 12.4 Foreign Coverage
    • 12.6 Custom Features
    • 12.7 Additional Insured – Lessor
    • 12.17 Vehicle Under Construction
  • 16. Book Transfer Premium Stabilization

Markup of Changes

10/01/19 New

11/01/19 Renew

 ESSN131561159

Form/Rule

Form:

  • Trade or Economic Sanctions – Massachusetts – MAIL 1214 09 17

Rule:

  • 15. Trade or Economic Sanctions

08/16/18 New

09/16/18 Renew 

ESSN131401534

-0.007%

Form/Rate/Rule

Form:

  • Competition Exclusion – Massachusetts – AC 200 MA 07 18
  • Value-Added Endorsement – Massachusetts – AC 400 MA 07 18
  • Traveling Collector Endorsement – Massachusetts – AC 113 MA 07 18
  • Legendary Ride ™ Endorsement – Massachusetts – AC 114 MA 07 18
  • Motorsports Advantage ™ Endorsement – Massachusetts – AC 115 MA 07 18
  • Named Driver Exclusion Endorsement – Massachusetts – AC 201 MA 07 18
  • Medical Payments Coordination of Benefits Endorsement – Massachusetts – AC 007 MA 07 18

Rules:

  • 2. Eligibility
  • 3. Premium Determination
  • 4. Premium  Discounts and Surcharges
  • 6. Policy Period, Payment Plans & Fees

Coverages and Limits

  • 11.2 Optional Insurance Coverages

Optional Limits and Endorsements

  • 12.3 Increased Limits – Spare Parts
  • 12.6 Custom Features
  • 12.13 Named Driver Exclusion
  • 12.16 Travelling Collector
  • 12.17 Vehicle Under Construction
  • 12.18 Value-Added
  • 12.23 Legendary Ride ™
  • 12.24 Motorsports Advantage ™
  • 14. Competition Exclusion

Rates –

  • Liability Rate Pages
  • Physical Damage Rate Pages
  • Vehicle Symbols

Markup of Changes

08/15/18 New/Renew 

ESSN131004966

+.528%

Form/Rate/Rule

Forms:

  • Antique and Classic Automobile Insurance Policy – AC 00 01 MA 06 17
  • Business Use Endorsement – Massachusetts – AC 00 12 MA 06 17
  • Conditions for Vehicles Covered Under a Reporting Form Schedule – Massachusetts – AC 00 14 MA 06 17
  • Custom Features Limitation Endorsement – Massachusetts – AC 00 16 MA 06 17
  • Foreign Coverage Endorsement – Massachusetts – AC 00 21 MA 06 17
  • Value-Added Endorsement – Massachusetts – AC 00 44 MA 06 17
  • Vehicle Under Construction Endorsement – Massachusetts – AC 00 50 MA 06 17
  • Traveling Collector Endorsement – Massachusetts – AC 00 51 MA 06 17
  • Limited Trailer and Paddock Collision Coverage Endorsement – Massachusetts – AC 03 14 MA 06 17
  • Collector Motorcycle Endorsement – Massachusetts – AC 03 15 MA 06 17
  • Additional Insured – Lessor – Massachusetts – AC 03 03 19 MA 06 17
  • Additional Insured – Massachusetts – AC 03 27 MA 06 17
  • Waiver of Subrogation Endorsement – Massachusetts – AC 11 51 MA 06 17
  • Key on Exclusion – Massachusetts – AC 11 52 MA 06 17
  • Competition Exclusion – Massachusetts – AC 14 49 06 17
  • Hagerty Collector Vehicle Insurance Application – Massachusetts – AC AP MA 06 17
  • Collectible Personal Property Endorsement – Massachusetts – IM AC 01 MA 06 17
  • Collector Vehicle Spare Parts or Tools Coverage Endorsement – Massachusetts – IM AC 02 MA 06 17
  • Cherished Salvage Coverage – Massachusetts – AC 11 00 MA 06 17

Rule:

  • 3. Premium Determination
  • 4. Premium Discounts and Surcharges
  • 5. Minimum Premium
  • 6. Policy Period and Fees
  • Optional Limits and Endorsements
    • 12.3 Increased Limits – Spare Parts
    • 12.4 Foreign Coverage
    • 12.5 Waiver of Subrogation
    • 12.6 Custom Features
    • 12.7 Additional Insured – Lessor
    • 12.8 Additional Insured
    • 12.9 Limited Trailer and Paddock Collision
    • 12.11 Business Use
    • 12.12 Vehicles Insured Under a Reporting Form
    • 12.14 Collector Motorcycle
    • 12.16 Travelling Collector
    • 12.17 Vehicles Under Construction
    • 12.18 Value-Added
    • 12.20 Cherished Salvage
    • 12.22 Key on Exclusion
  • Liability Rate Pages
  • Physical Damage Rate Pages
  • Optional Limits and Endorsements
    • 12.19 Personal Property – Scheduled and Blanket Coverage
  • 14. Competition Exclusion

Markup of Changes

Policy form and Explanatory Memorandum

03/01/18 New

04/01/18 Renew

ESSN130402354

+.8%

Form/Rate/Rule

Form:

  • Enthusiast Essentials Endorsement – Massachusetts – AC 01 09 MA 03 16
  • Value-Added Endorsement – Massachusetts – AC 02 13 03 16
  • Collector Vehicle Insurance Application – Massachusetts – AC AP MA 06/15
    (Hagerty Policy)
  • Collector Motorcycle Endorsement – Massachusetts – AC 02 06 03 16
  • Reporting Form Schedule – AC 00 22 08 07

Rule:

  • 3. Premium Determination
  • 12.4 Foreign Coverage
  • 12.9 Limited Trailer and Paddock Collision
  • 12.13 Named Driver Exclusion
  • 12.14 Collector Motorcycle
  • 12.15 Auto Show Medical Reimbursement
  • 13 Enthusiast Essentials Endorsement

Rate:

  • Liability Rate Pages
  • Physical Damage Rate Pages

Markup of Changes

  • Forms Listing
  • Rules & Rates Explanatory Memorandum
05/17/16 New
06/17/16 Renew 
ESSN129636625

Form/Rate/Rule:
Forms:

  • Signature Page – AC 01 98 11 14
  • Medical Payments Endorsement – Massachusetts – AC 02 16 11 14
  • Cherished Salvage ™ Coverage – Massachusetts –  AC 11 12 11 14
  • Evacuation Expense Endorsement – Massachusetts – AC 11 13 11 14
  • Collector Vehicle Insurance Application – Massachusetts (Haggerty underwritten by Essentia Ins. Co.) – AC AP MA 02 14

Rules:

  • 1. Definitions
  • 2. Eligibility
  • 3. Premium Determination
  • 4. Premium Discounts and Surcharges
  • 5. Minimum Premium Rules
  • 6. Policy Period
  • 7. Changes
  • 8. Cancellations and Non-Renewals
  • 9. Whole Dollar Premium
  • 10. Suspension

Coverages and Limits

  • 11.1  Compulsory Insurance Coverage
  • 11.2 Optional Insurance Coverages

Optional Limits & Endorsements

  • 12.1. Reserved for Future Use
  • 12.2. Reserved for Future Use
  • 12.3 Increased Limits – Spare Parts
  • 12.4 Foreign Coverage
  • 12.5 Reserved for Future Use
  • 12.6 Custom Features
  • 12.7 Additional Insured – Lessor
  • 12.8 Additional Insured
  • 12.9 Limited Trailer and Paddock Collision
  • 12.10 Reserved for Future Use
  • 12.11 Business Use
  • 12.12 Vehicles Insured Under a Reporting Form
  • 12.13 Named Driver Exclusion
  • 12.14 Collector Motorcycle
  • 12.15 Auto Show Medical Reimbursement
  • 12.16 Traveling Collector
  • 12.17 Vehicle Under Construction
  • 12.18 Value-Added
  • 12.19 Personal Property – Scheduled and Blanket Coverage
  • 12.20 Cherished Salvage ™
  • 12.21 Evacuation Expense

Rates:

  • Statewide Annual Premiums

Mark up of Changes 

11/01/14 New
12/01/14 Renew 
BEAC128165179

Forms:

  • Collectible Personal Property Endorsement – Massachusetts – AC 15 11 05 12
  • Collector Vehicle Spare Parts or Tools Coverage Endorsement – Massachusetts –
    AC 15 12 05 12

Rules:

Antique and Classic Auto Manual (20)

  • Rule 3.
    • M. Personal Property- Scheduled and Blanket Coverage

Rates:

  • Physical Damage Rate Pages

Mark up of Changes

05/01/12 New/Renew

BEAC127193857

-0.2%

 

Form:

  • Auto Show Medical Reimbursement Coverage – Massachusetts – AC 02 02 09 11
  • Business Use Endorsement – Massachusetts – AC 02 03 09 11
  • Competition Exclusion – Massachusetts  - AC 02 04 09 11
  • Conditions for Vehicles Covered Under a Reporting Form Schedule –
    Massachusetts – AC 02 05 09 11
  • Collector Motorcycle Endorsement – Massachusetts – AC 02 06 09 11
  • Custom Features Limitation Endorsement – Massachusetts – AC 02 07 09 11
  • Foreign Coverage Endorsement – Massachusetts – AC 02 08 09 11
  • Limited Trailer and Paddock Collision Coverage Endorsement –
    Massachusetts -  AC 02 09 09 11
  • Named Driver Exclusion Endorsement – Massachusetts – AC 02 10 09 11
  • Insurance Policy Jacket – AC 02 11 09 11
  • Traveling Collector Endorsement – Massachusetts – AC 02 12 09 11
  • Value-Added Endorsement – Massachusetts – AC 02 13 09 11
  • Vehicle Under Construction Endorsement – Massachusetts – AC 02 14 09 11
  • Additional  Insured Lessor – Massachusetts – AC 02 15 09 11
  • Hagerty Collector Car Insurance Policy – AD DEC 09 11
  • Hagerty Collector Vehicle Insurance Application – Massachusetts – AC AP MA 09 11
  • Hagerty Collector Car Insurance Coverage Selections Page – AC DEC 09 11

Rules:

Antique and Classic Auto Manual (20)

  • Rule 1. Definitions
  • Rule 2. Eligibility
  • Rule 3. Coverages and Limits
  • Rule 4. Policy Period
  • Rule 5. Changes
  • Rule 6. Premium Determination Rule
  • Rule 7. Whole Dollar Premium Rule
  • Rule 8. Cancellations and Non-Renewals
  • Rule 9. Minimum Premium Rules
  • Rule 10. Suspension
  • Rule 11. Surcharges and Discounts
  • Rule 12. Pre-Insurance Inspection Program

Rates:

  • Liability Rate Pages
  • Physical Damage Rate Pages

Mark-up of Changes

 

02/15/12 New
03/15/12 Renew 

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