1. “Premium” means charges for:
(a) Assuming a risk;
(b) Abstracting, searching and examining title to determine insurability; and
(c) Any other activity associated with the assumption of risk.
2. “Premium” does not include charges for:
(a) Escrow;
(b) Settlement or closing; or
(c) Other special services not associated with the assumption of risk,
Ê whether or not they are called premiums.