15. An insurer wants to get into a new line of insurance, and use ISO forms for this new line of insurance. ISO filed the forms with the state department of insurance. What if anything must the insurer now do with the department of insurance to use those forms? 16. Why does an insurer need to show unearned premiums on its balance sheet? 17. What information is needed to calculate rates based on the loss ratio method that is not needed on the pure premium method? 18. Explain how the businessowners insurance policy is like a homeowner's insurance policy. 19. A commercial insured who suffers a property loss may also receive payment from a business income interruption insurance policy (if the insured has that policy). That seems to be paying the insured twice for one loss. Explain whether that is double recovery or why it does not violate the principle of indemnity. 15. An insurer wants to get into a new line of insurance, and use ISO forms for this new line of insurance. ISO filed the forms with the state department of insurance. What if anything must the insurer now do with the department of insurance to use those forms? 16. Why does an insurer need to show unearned premiums on its balance sheet? 17. What information is needed to calculate rates based on the loss ratio method that is not needed on the pure premium method? 18. Explain how the businessowners insurance policy is like a homeowner's insurance policy. 19. A commercial insured who suffers a property loss may also receive payment from a business income interruption insurance policy (if the insured has that policy). That seems to be paying the insured twice for one loss. Explain whether that is double recovery or why it does not violate the principle of indemnity