§ 26-18-118 — Change of occupation

"Change of Occupation: If the insured is injured or becomes ill
after having changed his occupation to one the insurer
classifies as more hazardous than that stated in this policy or
while doing for compensation anything pertaining to an
occupation so classified, the insurer shall pay only that
portion of the indemnities provided in this policy as the
premium paid would have purchased at the rates and within the
limits fixed by the insurer for the more hazardous occupation.
If the insured changes his occupation to one the insurer
classifies as less hazardous than that stated in this policy,
the insurer, upon receipt of proof of the change of occupation,
shall reduce the premium rate accordingly, and shall return the
excess pro rata unearned premium from the date of change of
occupation or from the policy anniversary date immediately
preceding receipt of the proof, whichever is more recent. In
applying this provision, the classification of occupational risk
and the premium rates shall be those the insurer last filed,
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. If
the filings specified were not required, then the classification
of occupational risk and the premium rates shall be those the
insurer last made effective in that state prior to the
occurrence of the loss or prior to the date of proof of change
in occupation."