Ins 4.10(3)(a)(a) “Basic property insurance” means the insurance coverages described in subds. 1. and 3. against direct loss to real and tangible property at a fixed location. The Plan may use customary policy forms and endorsements to effect coverage contemplated by this paragraph. Other coverage may be added to the Plan by endorsement or policy provision upon approval by the commissioner.

Ins 4.10(3)(a)1.1. Coverage provided in the customary fire policy and in the customary extended coverage as authorized by s. Ins 6.75 (2) (a).

Ins 4.10(3)(a)3.3. Coverage at least equivalent to that provided in a modified coverage form homeowners policy.

Ins 4.10(3)(b)(b) “Farm risks” means all buildings and their contents whether occupied by the owner or by an employee or by a tenant, located on or used in connection with land devoted to any one or more of the following purposes and where gross annual receipts from those purposes are in excess of $5,000:

Ins 4.10(3)(b)1.1. Cultivation of the soil

Ins 4.10(3)(b)2.2. Rearing or keeping of livestock or poultry

Ins 4.10(3)(b)3.3. Producing fruit, grain, vegetables, hay or other produce

Ins 4.10(3)(c)1.1. Dwellings, permanent or seasonal, designed for occupancy by not more than 4 families or containing not more than 4 apartments.

Ins 4.10(3)(c)4.4. Private outbuildings used in connection with any of the foregoing.

Ins 4.10(3)(c)5.5. Trailer homes at a fixed location.

Ins 4.10(3)(c)6.6. Household and personal property in risks described in subds. 1 through 5.

Ins 4.10(3)(c)7.7. Tenants’ contents in apartment houses.

Ins 4.10(3)(d)(d) “Insurer” means any insurance company authorized to transact in this state on a direct basis basic property insurance, including the property insurance components of multi-peril policies.

Ins 4.10(3)(e)(e) “Location” means a single building and its contents or contiguous buildings and their contents under one ownership.

Ins 4.10(3)(f)(f) “Manufacturing risks” means those risks eligible to be written under the customary manufacturing business interruption policy forms approved by the commissioner. The following are not considered manufacturing risks:

Ins 4.10(3)(f)1.1. Dry cleaning and laundering—Carpet, rug, furniture, or upholstery cleaning; diaper service or infants’ apparel laundries; dry cleaning; laundries; linen supply.

Ins 4.10(3)(f)2.2. Installation, servicing and repair—Electrical equipment; electronic equipment; glazing; household furnishings and appliances; office machines; plumbing, heating and air conditioning; protective systems for premises, vaults and safes.

Ins 4.10(3)(f)3.3. Laboratories—Blood banks; dental laboratories; medical or x-ray laboratories.

Ins 4.10(3)(f)4.4. Duplicating and similar services—Blue printing and photocopying services; bookbinding; electrotyping; engraving; letter service (mailing or addressing companies); linotype or hand composition; lithographing; photo engraving; photo finishing; photographers (commercial).

Ins 4.10(3)(f)5.5. Warehousing—Cold storage (locker establishments); warehouse, cold storage; warehouse, furniture or general merchandise.

Ins 4.10(3)(f)6.6. Miscellaneous—Barber shops; beauty parlors; cemeteries; dog kennels; electroplating; equipment rental (not contractors’ equipment); film and tape rental; funeral directors; galvanizing, tinning, and detinning; radio broadcasting, commercial wireless and television broadcasting; taxidermists; telephone or telegraph companies; textiles (bleaching, dyeing, mercerizing or finishing of property of others); veterinarians and veterinary hospitals.

Ins 4.10(3)(h)1.1. Gross direct premiums less return premiums, dividends paid or credited to policyholders, or the unused or unabsorbed portions of premium deposits, with respect to property in this state excluding premiums on risks insured under the Plan, for basic property insurance, for homeowners multiple peril policies, and for the basic property insurance premium components of all other multiple peril policies.

Ins 4.10(3)(h)2.2. In addition, 100% of the premiums obtained for homeowners multiple peril policies shall be added to 100% of the premiums obtained for basic property insurance and the basic property insurance premium components of all other multiple peril policies. The basic year for the computation shall be the second preceding calendar year.

Ins 4.10(3)(i)(i) “The Wisconsin Insurance Plan,” in this section referred to as the Plan, means the nonprofit, unincorporated mandatory risk-sharing facility established by this section to provide for basic property insurance and to assist applicants in securing basic property insurance.