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Consent to Rate means that the insurance company must have the consent of the insured (i.e. by a signed form) to charge higher than the filed (with the State, if applicable in your state) rate.
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To elaborate on the above answer, Florida is a good example of a state that allows Consent to Rate - these forms must be signed prior to binding. the resons for consent to rate would be Unable to Obatin Coverage at the filed rate, Unfavorable loss experience, unusual hazards or claims activity and such.
Source: Commercial Insurance Workers Compensation Expert
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∙ 13y ago
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