KRS 304.17-190: Change of occupation.

There may be a provision as follows:

"Change of Occupation: If the insured be injured or contract sickness after

having changed his occupation to one classified by the insurer as more hazardous

than that stated in this policy or while doing for compensation anything pertaining

to an occupatio n so classified, the insurer will pay only such portion of the

indemnities provided in this policy as the premium paid would have purchased at

the rate and within the limits fixed by the insurer for such more hazardous

occupation. If the insured changes hi s occupation to one classified by the insurer as

less hazardous than that stated in this policy, the insurer, upon receipt of proof of

such change of occupation, will reduce the premium rate accordingly, and will

return the excess pro rata unearned premium from the date of change of occupation

or from the policy anniversary date immediately preceding receipt of such proof,

whichever is the more recent. In applying this provision, the classification of

occupational risk and the premium rates shall be such as have been last filed by the

insurer prior to the occurrence of the loss for which the insurer is liable or prior to

date of proof of change in occupation with the state official having supervision of

insurance in the state where the insured resided at the time this policy was issued;

but if such filing was not required, then the classification of occupational risk and

the premium rates shall be those last made effective by the insurer in such state

prior to the occurrence of the loss or prior to the date o f proof of change in

occupation."