Various policy types are available. Each policy offers price adjustments depending on the risk characteristics of the particular insured. Not all price adjustments are available for all policies or in all states. Some examples are:

• Experience Rating - Better than expected claim experience may provide credits.
• New Building Credits - Newer buildings may receive up to 20% credit.
• Sprinkler Credit - for buildings which are fully protected by an automatic sprinkler system.
• Individual Risk Premium Modifications - The premium can be adjusted from between 25% credit to 25% debit to account for features of the individual risk such as quality of management, location accessibility, unusual structural features, and training and supervision of employees.
• Package Credit – This credit is available when Commercial Property and General Liability policies are both written with Oregon Mutual. Commercial Auto also qualifies for package credit when written in conjunction with both Commercial Property and General Liability.
• Large Account Credit - Some of our expenses to issue a policy are the same regardless of the policies size. OMI provides a premium credit to larger risks to account for this.

Please contact an Independent Insurance Agent representing Oregon Mutual for specific information about, or to apply for, any of our coverages.