An extra rating on a policy can be reconsidered if the condition causing the rating improves or the rated activity is discontinued. Generally, an extra rating can be reconsidered after the second policy anniversary.
When a policy has been issued with an increased premium because of occupation or avocation, we can consider removing or reducing the rating after the hazardous exposure ceases for at least one year and is not likely to resume.
With a rate reconsideration, the removal or reduction of the extra rating is subject to satisfactory evidence of insurability.
Nicotine to Non-nicotine Rate Change