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Manual Excess

The premium for an amount of insurance in excess of the basic limit of liability. This premium is determined by referring to a table of rate factors which are multiplied by the manual rate in order to arrive at a premium for the higher limit selected.

Manual Handling Regulations 1992

MHR apply to virtually every form of employment. Employers should avoid manual handling whenever reasonably practicable’ otherwise they must make a risk assessment based on the task, the load, the environment and the person. The employer’s duty is to make the task safe while the employee should use the systems of work for handling operations. A breach by the employer amounts to a criminal offence and may provide the basis for an injured employee to claim damages.

Manual rate

MEDICAL,USA: Cost of a unit of insurance protection (premium) obtained from the insurance company’s standard rating table that appears in the underwriting manual. Also referred to as manual premium rate or manual rating .
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Premium rate specified in a Insurer’s or rating bureau’s manual for a particular line of Insurance.
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The cost of insurance protection as quoted in the rating manual—the rate listed on the state rate pages in the Basic Manual for a given class code. These rates are usually determined on the basis of per $100 of payroll. The term may also refer to rates developed by the application of a recognized rating plan.