In accordance with the Insurance Code, Articles 6.02 and 6.12, inland marine and inland marine connected transportation coverages of transit or cargo risks will be reserved at 100% of the premium charged on unexpired risks. The coverages subject to the 100% reserve will ordinarily be identified as coverages written on flat rate bases and without stipulated terms other than expiration limits. All other inland marine coverages will be reserved in accordance with the Insurance Code, Article 6.01.