Risk Appetite Guide

Risk Appetite Guide
All States
Except New Jersey
Merchants Advantage Plus®
RISK APPETITE GUIDE

MA, MI, NH, NY, OH, PA, VT
Merchants Insurance Group is pleased to provide you with our Marketing Guide. Merchants offers a broad
portfolio of commercial property and casualty insurance products. This guide provides an overview of our position
on many classes of business, and will help you determine our overall underwriting approach for the classes listed.
Please contact your Territory Manager to determine if there are any state specific guidelines not contemplated in
this guide. You also need to review the product eligibility guidelines and your agency binding authority. These
documents are located on the Merchants Web Site: www.merchantsgroup.com/
Our risk desirability is shown in this guide by using the following symbols:
● indicates this is a class or line of business that we prefer to write, subject to loss history and other
underwriting information.
▼ indicates we would like you to discuss the classification or line of business with your Underwriter prior to
quoting or binding the exposure, as we may have specific underwriting requirements for the class.
 indicates the classification or line of business is not desirable to Merchants Insurance Group and should
not be submitted.
In addition to these symbols, many of the classifications in this guide include underwriting guidelines that are used
to communicate class specific eligibility issues.
Regardless of the symbol shown in the manual, if you have an insured whom you believe would be a good
account for Merchants Insurance Group, please contact your underwriter to discuss the risk.
Risk Appetite Guide All States Except New Jersey Effective Date: 06/2017
Merchants Advantage Plus®
RISK APPETITE GUIDE

MA, MI, NH, NY, OH, PA, VT
AUTOMOBILE ACCEPTABILITY MATRIX

We are a competitive market for many of the automobile exposures you will be asked to write. Though we strive
to write the entire account, in some cases this may not be possible.
Although our Acceptability Matrix will help you identify the type of automobile risks we wish to write, please refer to
the alphabetical class listing in this manual to see if there are specific guidelines in regard to the automobile
exposures.
Gross Vehicle Weight

Light .................................. (0-10,000)
Medium ............................. (10,001 - 20,000)
Heavy ................................ (20,001 - 45,000)
Radius
Local ................................. (Less than 50 miles)
Intermediate ...................... (less than 200 miles)
Vehicle Usage .......................................... Most commercial, service or retail vehicles
Private Passenger Vehicles ............................... All
WHAT WE DON’T WANT

▪ Tow Trucks - Except if written in conjunction with an eligible garage risk and not involved in contract or
24 hour towing.
▪ Trucking Exposures (Autos used to haul or transport goods, materials or commodities for another.)
Specialized Delivery (Autos used in deliveries subject to time and similar constraints.)
▪ Waste Disposal
▪ Farm Vehicles
▪ Logging and Lumbering
▪ Public Automobile Exposures
Questions regarding risk acceptability should be directed to your Underwriter or Territory Manager.
Risk Appetite Guide All States Except New Jersey Effective Date: 06/2017
Merchants Mutual Insurance Company
Risk Appetite Guide - All States Merchants Preferred Insurance Company
Auto
MAP ISO GL Auto General Worker's
Repair Market MAP Property Commercial Umbrella
Business Description Class Class Repair Liability Comp MAP Underwriting Guidelines Auto Repair Guidelines Property / Liability Comments Automobile Comments
Class Segment Symbol Symbol Auto Symbol Symbol
Code Code Symbol Symbol Symbol
Code
Air Conditioning and Heating (Combined) 013930 X X l l q l l No service or repair installation. Use
or Heating Equipment Dealers or class 95647 for Installation.
Distributors Only
Air Conditioning and Heating (Combined) 095647 X X q q q l l No roof top installation. Over 30%
or Heating Systems or Equipment subcontracting work, Refer to Company.
Dealers or Distributors and Installation,
Servicing or Repair - NO LPG Equipment
Sales or Work
Air Conditioning and Heating Supplies 131000 013930 RETL

l X l l l l l This class is intended for businesses
without any installation, service or repair.
No Installation, Service or Repair. No
LPG Sales. The risk must not directly
If an installation exposure exists, refer to import products.
the Retail/Installation segment where a
charge can be made. No sales of LPG.
The risk must not directly import
products.
Air Conditioning and Heating Supplies -

Wholesale
131002 013930 WHLS
l X l l l l l This class is intended for businesses
without any installation, service or repair.
No Installation, Service or Repair. No
LPG Sales. The risk must not directly
No sales of LPG. The risk must not import products.
directly import products.
Air Conditioning and Heating Work 132000 095647 CONT

l X l l l l l TARGET: Air conditioning and furnace
installation, service and repair (including
Air conditioning and furnace installation,
service and repair (including duct work).
duct work); low pressure residential Low pressure residential boiler work for
boiler work for hot water heating systems hot water heating systems (without
(without asbestos); Refrigeration asbestos) is acceptable. Refrigeration
Systems Repair and Service are System Repair and Service.
acceptable operations. INELIGIBLE: INELIGIBLE: Rigging (placement of roof
Rigging (placement of roof top units with top units with cranes). Asbestos
cranes), asbestos abatement/handling, abatement/handling. This class does not
chimney cleaning, Geothermal include commercial, institutional,
operations, installation, service or repair industrial boiler work, LPG, butane or
to solar energy systems or equipment; propane gas tank or line work. No
welding or installation of Refrigeration welding. No installation of refrigeration
Systems or Equipment. This class does systems or equipment.
not include commercial, institutional,
industrial boiler work, LPG, butane or
propane gas tank or line work. No high
pressure boiler work. High pressure
boilers provide steam at pressure above
15 lbs. per square inch or provides hot
water at temperatures exceeding 250
degrees F. Hot Tar Exclusion applies.
Air Conditioning Equipment - Sales Only 010010 X X l l q l l Over 30% subcontracting work, Refer to
Company.
Air Conditioning Systems or Equipment - 091111 X X l l q l l No roof top work. Over 30%
Sales, Installation, Servicing or Repair subcontracting work, Refer to Company.
Alarms and Alarm Systems - Installation,

Servicing or Repair
091127 X X l X X l X No 24 hour use of vehicles to monitor
alarm sites or respond to alarm
No 24 hour use of vehicles to monitor
alarm sites or respond to alarm
activations. activations.
Antique Stores 010026 X X q l q l l No antique machinery sales. Any
habitational occupancy, Refer to
Company.
Apartment Buildings 060010 X X X X X X X
Appliance and Accessory Installation, 091150 X X l l q l l Over 30% subcontracting work, Refer to
Servicing or Repair - Commercial Company.
Risk Appetite Guide - All States

06/2017 page 1 of 47 pages
Auto
Code
Appliance and Accessory Installation, 131006 091155 SERV X X l l q l l For installation refer to Retail Store class Less than 25% commercial repair.
Servicing or Repair - Household or Contractor classes, Appliance and
Accessory Installation, Servicing or
Repair - Household Type only- Electrical
or Appliance and Accessory Installation,
Servicing or Repair - Household Type -
Gas.
Appliance Installation or Repair -
Household Type only - Gas
132014 091155 CONT
l X l l l l l TARGET: Installation, service and
repair of residential gas appliances such
TARGET: Installation, service and repair
of residential gas appliances such as
as stoves and clothes dryers. stoves and clothes dryer. INELIGIBLE:
INELIGIBLE: industrial work, fireplace Industrial Work, Industrial work, fireplace
or fireplace inserts or wood or wood or fireplace inserts or wood/wood pellet
pellet stoves. $250 Property Damage stoves. Over 30% subcontracting work,
deductible applies. Refer to Company.
Appliance Installation or Repair-

Household Type - Electrical
132011 091155 CONT
repair of residential electrical appliances
TARGET: Installation, service and
repair of residential electrical appliances
such as stoves, refrigerators and clothes such as stoves, refrigerators and clothes
washers and dryers. INELIGIBLE: washers and dryers. INELIGIBLE:
Industrial work, fire or burglar alarm work, Industrial work,fire or burglar alarm work,
fireplace or fireplace inserts or fireplace or fireplace inserts or
wood/wood pellet stoves. $250 Property wood/wood pellet stoves. Over 30%
Damage Deductible applies. subcontracting work, Refer to Company.
Appliance Store - Household Type 131008 010042 RETL

l X l l l l l This class includes parts and supplies up
to 25% of total receipts from installation,
Less than 25% rental, less than 25%
repair, household only. Ineligible
service or repair. For businesses with operations: Sales/installation of
more than 25% of the total receipts from fireplaces, fireplace inserts, wood stoves
installation, service or repair, refer to the or wood pellet stoves.
Retail/Installation segment where a
charge can be made. This class does not
include rentals. Central Station Burglar
Alarm recommended. Ineligible
operations: Sales of fireplaces, fireplace
inserts, wood stoves or wood pellet
stoves.
Appliance Store - Household Type -

Wholesale
131010 010040 WHLS
l X l l l l l This class includes parts and supplies up
to 25% of total receipts from installation,
Ineligible operations: Sales/installation of
fireplaces, fireplace inserts, wood stoves
service or repair. This class does not or wood pellet stoves.
include rentals. Central Station Burglar
Alarm recommended. Ineligible
operations: Sales/installation of
fireplaces, fireplace inserts, wood stoves
or wood pellet stoves.
Army and Navy Store 010060 X X X X X X X

Automobile Parts, Accessories and
Supplies
131014 010071 RETL
l X l l l l l Tire sales (excluding recaps) must be
less than 25% of the operation. This
Tire sales (excluding recaps) must be
less than 25% of the operation. This
class includes up to 10% of total receipts class does not include installation,
from installation, service or repair. Sale service or repair. Sale of used auto parts
of used auto parts include up to 15%. No include up to 15%. No junkyards. Burglar
junkyards. Burglar Alarm recommended. Alarm recommended.
Automobile Parts, Accessories and

Supplies - Wholesale
131016 010070 WHLS
l X l l l l l Tire storage should be incidental.
Burglar Alarm recommended.
Tire Storage should be incidental.
Automobile Quick Lubrication Services 010072 X X q q q l q No gasoline sales.

Auto
Code
Automobile Repair or Service Shops,
NOC
010073 909323 X l l l l l l This classification contemplates those
automobile repair and service type
This classification contemplates those
automobile repair and service type
operations that are not otherwise operations that are not otherwise
classified. Risks whose operations are classified. No gasoline sales.
better described by one of the more
specific classifications should use that
classification unless incidental operations
from other eligible classes exceed the
15% threshold. In that case the Auto
Repair or Service Shop classification
should be used. No gasoline sales.
Incidental sales of used vehicles may not
exceed 12 units per year. Tire sales--no
more than 25% of receipts from sales of
tires. No sale of retreads or used tires.
Tire sales limited to private passenger,
light or medium type vehicles.
Automobile Repair Shops - Self Service - 010075 X X X X X q X

No Body Repair
Automobile Repair: Air Conditioning
Systems
010073 909321 X l l l l l l Operations must be limited to the
installation, service, and repair of vehicle
Operations must be limited to the
air conditioning systems and their related air conditioning systems and their related
equipment. Incidental operations from equipment. Incidental operations from
other eligible classes must be limited to other eligible classes must be limited to
15% of receipts. No gasoline sales. 15% of receipts. No gasoline sales.
Automobile Repair: Auto Collision Repair 010073 909328 X l l l l l l This classification contemplates
automobile body repair / collision center
This classification contemplates
automobile body repair / collision center
type operations that are not otherwise type operations. No gasoline sales.
ineligible. (Refer to Product Manual for
eligibility requirements.) No gasoline
sales.
Automobile Repair: Electrical Installation
and Repair
010073 909325 X l l l l l l Operations must be limited to the service
and repair of vehicle electrical systems.
Operations must be limited to the service
and repair of vehicle electrical systems.
This includes all ignition systems, wiring, This includes all ignition systems, wiring,
lighting, battery, alternator, computer, lighting, battery, alternator, computer,
and other electrical parts. Incidental and other electrical parts. Incidental
operations from other eligible classes operations from other eligible classes
must be limited to 15% of receipts. No must be limited to 15% of receipts. No
gasoline sales. gasoline sales.
Automobile Repair: Glass Installation 010073 909322 X l l l l l l Operations must be limited to the
window glass. Incidental operations from window glass. Incidental operations from
Automobile Repair: Transmission

Systems
010073 909326 X l l l l l l Operations must be limited to the
transmissions and their related transmissions and their related
equipment. Incidental operations from equipment. Incidental operations from

Auto
Code
Automobile Repair: Tune Up and
Emissions Testing
010073 909327 X l l l l l l Operations must be limited to vehicle
tune-ups and the testing or adjustment of
Operations must be limited to vehicle
tune-ups and the testing or adjustment of
the vehicle emission control devices. the vehicle emission control devices.
Incidental operations from other eligible Incidental operations from other eligible
classes must be limited to 15% of classes must be limited to 15% of
receipts. No gasoline sales. receipts. No gasoline sales.
Bakery - Limited Cooking - Retail 131018 010100 FOOD

l X l l l l l Cooking must be limited to baking/boiling
only. This class does not include deep
Cooking must be limited to Baking/Boiling
only. This class does not include deep fat
fat frying or grilling. Hired and Non- frying or grilling.
Owned Auto liability is not available if any
delivery.
Bakery - Limited Cooking - Wholesale 131020 010100 FOOD
only. This class does not include deep
fat frying or grilling. Hired and Non- frying or grilling.
Owned Auto liability is not available if any
delivery.
Bakery - With Cooking - Retail 131022 010100 FOOD
l X l l l l l Must comply with NFPA Code 96. Hired
and Non-Owned Auto liability is not
Must comply with NFPA Code 96.
available if any delivery.

Bakery - With Cooking - Wholesale 131024 010100 FOOD
l X l l l l l Must comply with NFPA Code 96. Hired
and Non-Owned Auto liability is not
Must comply with NFPA Code 96.
available if any delivery.

Bakery Plants 051315 X X q q q l q Includes operations primarily engaged in
mass production of bakery products
which are distributed to retailers. Must
comply with NFPA Code 96.
Beaches - Bathing - Not Commercially 040072 X X X X X X X

Operated
Beauty and Hair Styling Salon 131026 010113 SERV
l X l l q l q Services may include cutting, styling or Services may include cutting, styling or
coloring, pedicures, manicures, coloring, pedicures, manicures,
massages, waxing, and facials. Risks massages, waxing, and facials. Risks
that perform hair extensions, hair that perform hair extensions, hair
weaves, electrolysis, hair implants, eye weaves, electrolysis, hair implants, eye
lash extensions, laser skin and hair lash extensions, laser skin and hair
treatments, weight reduction services treatments, weight reduction services
and any services which require medical and any services which require medical
supervisin are not eligibile. Tanning or supervisin are not eligibile. Tanning or
spray tanning operations must have spray tanning operations must have
separate Professional Coverage with separate Professional Coverage with
another carrier. Proof of coverage is another carrier. Proof of coverage is
required. Professional Liability for other required. Professional Liability for other
operations is required. operations is required.
Beauty or Barber Shop Supplies 131028 011234 RETL

l X l l l l l Includes the sale of beauty products only.
This class is not intended to include
Includes the sale of beauty products only.
This class is not intended to include
incidental services such as massage, incidental services such as massage,
tanning, weight reduction, etc. No tanning, weight reduction, etc. No
Products sold under insured's own label. Products sold under insured's own label.
Beauty or Barber Shop Supplies - 131030 010111 WHLS

l X q q l l l Includes the sale of beauty products only. Includes the sale of beauty products only.
Wholesale This class is not intended to include This class is not intended to include
incidental services such as massage, incidental services such as massage,
tanning, weight reduction, etc. No tanning, weight reduction, etc. No
Products sold under insured's own label. Products sold under insured's own label.
Beverage - Wholesale - Non-Alcoholic

and Beer
131032 010141 WHLS
l X l l l l l This class does not include bottling or
any on-premises consumption. Burglar
This class does not include bottling or
any on-premises consumption. Burglar
and Fire Alarms recommended. and Fire Alarms recommended.

Auto
Code
Beverage Store - Non-Alcoholic and Beer 131034 010146 RETL
l X l l l l l This class does not include convenience
stores, drive-through service or on-
This class does not include convenience
stores, drive-through service or on-
premises consumption. Hired and Non- premises consumption. Hired and Non-
Owned Auto liability is not available if Owned Auto liability is not available if
there is any delivery exposure. Central there is any delivery exposure. Central
Station Burglar Alarm recommended. Station Burglar Alarm recommended.
Bicycle Stores - Sales and Servicing 010150 X X l X X l X

Bicycles - Rented to Others 010151 X X X X X l X
Billiard or Pool Halls 010160 X X X X X l X
Bingo Games - in Public Halls or
Theaters - Commercially Operated
040075 X X X X X l X
Boat or Ship Building - inboard and 051400 X X X X X X X
inboard/outboard
Boat or Ship Building - without motors 051401 X X X X X X X
Boat Dealers 010101 X X X X X X X
Boat Repair And Servicing 091235 X X X X X X X
Boat Storage and Mooring 010105 X X X X X X X
Boat Yards or Marinas 010107 X X X X X X X
Boats - canoes or rowboats - for rent - 010110 X X X X X X X
not equipped with motors
Boats - canoes or rowboats - not for rent - 040111 X X X X X X X
not equipped with motors
Boats - motor or sail - not for rent 040115 X X X X X X X
Boats - motor or sail - rented to others 010117 X X X X X X X
Boats - non-owned over 26 feet 040140 X X X X X X X
Boats - not for rent 040117 X X X X X X X
Boats - rented to others 010119 X X X X X X X
Bookbinders, Equipment & Supplies 131036 051516 SERV
l X l l l l l No restoration of rare books.
Books and Magazines 131038 010204 RETL

l X l l l l l This class does not include adult book
stores, printing, publishing, restoration
This class does not include adult book
stores, printing, publishing, restoration
services or sales of antique books. services or sales of antique books.
Books and Magazines - Wholesale 131040 012362 WHLS

l X l l l l l Central Station Burglar Alarm
recommended.
Central Station Burglar Alarm
recommended.
Boutiques 131042 018437 RETL
l X l l X l l Small shop that specializes in elite and
fashionable items including clothing and
Small shop that specializes in elite and
fashionable items including clothing and
accessories. Central Station Fire and accessories. Central Station Fire and
Burglar Alarm recommended. Burglar Alarm recommended.
Bowling Apparel and Accessories 131044 018206 RETL

l X l l l l l This class includes ball drilling and
trophies.
This class includes ball drilling and
trophies.
Bowling Apparel and Accessories -
Wholesale
131046 018205 WHLS
l X l l l l l This class includes ball drilling and
trophies.
This class includes ball drilling and
trophies.
Bowling Lanes 010220 X X X X X l X
Brake Installation and Repair 010073 909324 X l l l l l l
Bridal and Tuxedo Shop - Retail 131048 011127 RETL
l X l l l l l This class includes tailoring and rental.
Central Station Fire and Burglar Alarm
recommended.
Bridal and Tuxedo Shop - Wholesale 131050 011126 WHLS
l X l l l l l Central Station Fire and Burglar Alarm
recommended.

Auto
Code
Building - Lessors Risk - Retail/Mixed 131064 061212 LSRO
l X l l q l l For Lessors Risk Buildings occupied by A list of Tenants, Lease Agreements and
Occupancy with Habitational one or more mercantile occupancies with the area they occupy is required. A
up to 50% Habitational. The Building Snow Removal Contract should be in
Owner should occupy no more than 25% place. The Building Owner should be
of the premises. A list of the tenants' named as an additional insured on the
lease agreements and the area they Tenants' policies.
occupy is required. A snow removal
contract should be in place. The Building
Owner should be named as an Additional
Insured with a Hold Harmless agreement
on the tenants' policies.
Building - Lessors Risk - Office Only 131060 061212 LSRO

l X l l q l l For Lessors Risk Buildings 100% A list of Tenants, Lease Agreements and
occupied by office tenants. The Building the area they occupy is required. A
Owner should occupy no more than 25% Snow Removal Contract should be in
of the premises. A list of the tenants' place. The Building Owner should be
lease agreements and the area they named as an additional insured on the
occupy is required. A snow removal Tenants' policies.
contract should be in place. The Building
Owner should be named as an Additional
Building - Lessors Risk - Retail/Mixed 131066 061212 LSRO

l X l l q l l For Lessors Risk Buildings occupied by A list of Tenants, Lease Agreements and
Occupancy without Habitational one or more mercantile occupancies. If the area they occupy is required. A
there is a Habitational Exposure, use Snow Removal Contract should be in
class 131064 - Buildings - Lessors Risk - place. The Building Owner should be
Retail/ Mixed Occupancy with named as an additional insured on the
Habitational. The Building Owner should Tenants' policies.
occupy no more than 25% of the
premises. A list of the tenants' lease
agreements and the area they occupy is
required. A snow removal contract
should be in place. The Building Owner
should be named as an Additional
Building - Lessors Risk- Office with up to 131062 061212 LSRO

l X l l q l l For Lessors Risk Buildings at least 75% A list of Tenants, Lease Agreements and
25% Non Office Occupancy ( no occupied by Office tenants. If there is the area they occupy is required. A
Habitational) Habitational Occupancy , use class Snow Removal Contract should be in
131064-Buildings -Lessors Risk - place. The Building Owner should be
Retail/Mixed Occupancy with named as an additional insured on the
Habitational. The Building Owner should Tenants' policies.
occupy no more than 25% of the
premise. A list of the tenants' lease
agreements and the area they occupy is
required. A snow removal contract
should be in place. The Building Owner
should be named as an Additional

Auto
Code
Building - Owner Occupied (25% or More USEBPP 061212
l X X X q l l This class is intended for risks where the
Occupied by Owner) Building Owner occupies more than 25%
of the premises. The Owner of the
Building should occupy an eligible
business and be on the premises during
normal business hours. Classify the
building according to the owner's
Business Personal Property.
Building or Premises - Bank 061223 X X X X X X X

Building Material Dealer - Secondhand 010256 X X X X X q X
Material
Building Material Distributors 010257 X X q q q q q
Cabinet Makers and Installers 132001 091341 CONT
l X q q q l l TARGET: Finish carpenters who only Finish carpenters who only build and
build and install cabinets, countertops install cabinets, countertops and trim.
and trim. Shops must meet NFPA Code Shops must meet NFPA Code 664
664 (Woodworking facilities) and NFPA (Woodworking Facilities) and NFPA
Code 33 (Spray Painitng- if applicable). Code 33 (Spray Painting - if applicable).
For all other carpenters, see separate For all other carpenters, see separate
Carpentry class. Ineligible: Handyman, Carpentry class. No more than 30% of
Exterior work and General Contractors. sales to others for installation.
Hot Tar exclusion applies.
Camera and Photographic Equipment 131068 010309 RETL

recommended.
Camera and Photographic Equipment - 131070 010309 WHLS
l X q q l l l Central Station Burglar Alarm
Wholesale recommended.
Camper or Travel Trailer Sales Agencies 010315 X X X X X X X
Campgrounds - Not-For-Profit Only 010332 X X X X X X X
Campgrounds - Other than Not-For-Profit 010331 X X X X X X X
Camps - For-Profit 041421 X X X X X X X
Camps - Not-For-Profit 041422 X X X X X X X
Candle Shop 131072 013506 RETL
l X l l l l l
Candle Shop - Wholesale 131074 012362 WHLS
l X l l l l l
Candy or Confectionery Products 051752 X X q q q l q
Manufacturing
Candy, Nut or Confectionery Store 131076 010352 RETL
l X l l l l l
Candy, Nut or Confectionery Store -
Wholesale
131078 012361 WHLS
l X l l l l l
Car Washes 010367 X X q q q l q
Car Washes - self-serve 010368 X X X X X l X
Card and Stationery Store 131080 018335 RETL
l X l l l l l
Card and Stationery Store - Wholesale 131082 016005 WHLS
l X l l l l l
Carpentry - Construction of Residential
Property Not Exceeding Two and One
091340 X X X X X l X
Half Stories in Height
Carpentry - Interior 091341 X X q q X l q TARGET: Interior carpentry work only.
INELIGIBILE: General Contractors,
Home Builders, Roofing work.
Carpentry Shop Only 091343 X X q q X q q

Auto
Code
Carpentry, NOC 132002 091342 CONT
l X q q X l l TARGET: Specific carpentry trades INELIGIBLE: General Contractors,
such as rough framing and finish work Home Builders, Handymen, roofing work
and carpenters that remodel or construct and exterior work over 2 1/2 stories.
additions where they perform the majority CLASS NOT AVAILABLE IN NEW
of the work with their own employees. YORK.
Office construction and remodeling is
acceptable if risk meets all other
guidelines. INELIGIBLE: General
Contractors, Home Builders, Handymen,
roofing work and exterior work over 2 1/2
stories. Hot tar exclusion applies. Class
not available in New York.
Carpet and Floor Covering 131084 012805 RETL

l X l l l l l This class includes up to 25%
installation. May include up to 25%
This class includes up to 25%
installation. May include up to 25%
oriental or Persian rugs. For businesses oriental or Persian rugs. Over 30%
with more than 25% of total receipts from subcontracting work, Refer to Company.
installation, service or repair, refer to the
charge can be made.
Carpet and Floor Covering - Wholesale 131086 012797 WHLS

l X q l l l l This class includes up to 25% oriental or This class includes up to 25%
Persian rugs and up to 25% installation. installation. May include up to 25%
Central Station Burglar and Fire Alarm oriental or Persian rugs. Over 30%
recommended. subcontracting work, Refer to Company.
Central Station Burglar and Fire Alarm
recommended.
Carpet and Floor Installation 132003 094569 CONT
l X l l l l l TARGET: Carpet, vinyl and hardwood
floor covering installation. Tile and stone
Over 30% subcontracting work, Refer to
Company.
floor installation may be written as a
separate class. Hot tar exclusion
applies. No refinishing.
Carpet and Floor Installation 099746
l X l l l l l TARGET: Carpet, vinyl and hardwood
for covering installation. Tile and stone
Carpet, vinyl and hardwood floor covering
installation. Tile and stone floor
floor installation may be written as a installation may be written as a separate
separate class. No refinishing. class. Over 30% subcontracting work,
Refer to Company. No refinishing.
Carpet, Rug and Upholstery Cleaning 132040 091404 CONT

l X l l l l l TARGET: Cleaning of carpet, rugs,
furniture and drapes in the insured's shop
Cleaning of carpet, rugs, furniture and
drapes in the insured's shop or at the
or at the customer's premises. customer's premises. Any repair
INELIGIBLE: Any repair operations, operations, doormat and rug rental and
doormat and rug rental and service, service, upholstery or reupholstery
upholstery or reupholstery operations. No operations or mold remediation work are
fire or flood restoration or mold ineligible.
remediation work.
Carpet, Rug, Furniture or Upholstery

Cleaning - On Customers Premises
091405 X X X X l l X
Carpet, Rug, Furniture or Upholstery
Cleaning - Shop Only
011007 X X l l l l l Over 30% subcontracting work, Refer to
Company.
Caterers 011039 X X q q q l q
Ceiling and Wall Panel Installation 132004 092338 CONT
l X l l q l l TARGET: Installation of acoustical and Installation of acoustical and drop type
drop type ceilings. NOTE: Drywall ceilings. NOTE: Drywall and/or carpentry
and/or carpentry work may be written as work may be written as separate classes.
separate classes. Hot tar exclusion Class not available in New York. Over
applies. Class not available in New York. 30% subcontracting work, Refer to
Company.

Auto
Code
Ceiling or Wall Installation - Metal 091436 X X q q X l q Class not available in New York. Over
30% subcontracting work, Refer to
Company.
Cement and Concrete Finishing and 132005 091560 CONT
l X l l q l l TARGET: Finish work and decorative TARGET: Finish work and decorative
Surfacing concrete work. Concrete construction concrete work. Concrete construction
may be written as separate class. may be written as separate class.
Driveway, sidewalk or parking area Driveway, sidewalk or parking area
paving or repaving may be written as a paving or repaving may be written as a
separate class. INELIGIBLE: Road separate class. INELIGIBLE: Road
construction, bridge construction, construction, bridge construction,
guniting/swimming pool construction. guniting/swimming pool construction.
Company.
Cemeteries 041603 X X l l q l l
Cemetery Supplies and Monuments 131090 059482 RETL X X l l q l l This class includes sale of mortuary This class includes sale of mortuary
supplies other than caskets. supplies other than caskets.
Ceramic, Pottery, China Shop 131092 013506 RETL
l X l l l l l
Ceramic, Pottery, China Shop -
Wholesale
131094 012362 WHLS
l X l l l l l
Cheese Store 131096 011258 RETL
l X l l l l l
Cheese Store - Wholesale 131098 012361 WHLS
l X l l l l l
Chimney Cleaning 091481 X X X X X q X No use, ownership or leasing of bucket No use, ownership or leasing of bucket
trucks. trucks
Christmas Tree Lots 018437 X X X X X l X
Churches or Other Houses of Worship 041650 X X X X X X X
Cleaning - Outside Surfaces of Building 091523 X X X X X q X No use, ownership or leasing of bucket No use, ownership or leasing of bucket
trucks. trucks
Clock and Watch Store 131100 014655 RETL
l X l l l l l This class includes up to 25% repair and
up to 15% antiques. Central Station
Less than 25% repair. Less than 15%
antiques. Central Station Burglar Alarm
Burglar Alarm recommended. Recommended.
Clock and Watch Store - Wholesale 131102 012362 WHLS
l X l l l l l This class includes up to 25% repair and
up to 15% antiques. Central Station
Less than 25% repair. Less than 15%
antiques. Central Station Burglar Alarm
Burglar Alarm recommended. Recommended.
Clock, Watch, and Jewelry Repair 131104 055802 SERV
recommended.
Recommended.
Clothing or Wearing Apparel Distributors 011126 X X q q q l q
Clothing or Wearing Apparel Stores 011127 X X q q q l q
Clothing Manufacturing 051896 X X q q X l q
Clothing Repair Shops/Tailors 018506
recommended.
recommended.
Clothing Repair Shops/Tailors 131106 051896 SERV
recommended.
Clubs - Civic, Service or Social - Having 041667 X X q X X q X No transporting of club members or No transporting of club members or
Buildings or Premises Owned or Leased others. No hired or non-owned coverage others. No hiring of buses, vans or other
to be provided. vehicles. No hired or non-owned
coverage to be provided.
Clubs - Country or Golf 011138 X X q q q l q
Clubs - Racquet Sports and Handball 041665 X X X X X l X
Clubs Civic, Service or Social - No 041669 X X q X X q X No transporting of club members or
Buildings or Premises Owned or Leased others. No hiring of buses, vans or other
Except for Office Purposes vehicles. No hired or non-owned
coverage to be provided.

Auto
Code
Coffee Shop 131108 018435 FOOD
only. This class does not include Deep
frying or grilling. Hired and Non-Owned Fat Frying or Grilling. Customer services
Auto option is not available if any may include Internet cafes.
delivery. Customer services may include
Internet cafes.
Coffee, Tea or Spice 131110 018435 RETL

l X l l l l l
Coffee, Tea or Spice - Wholesale 131112 012361 WHLS
l X l l l l l
Community Recreational Facilities - Not 041678 X X X X X X X
Operated by a Governmental Agency
Computer Service or Repair 131114 091555 SERV

l X l l l l l For risks engaged in the service and
repair of personal computers and
For risks engaged in the service and
repair of personal computers and
devices, including up to 25% retail sales devices, including up to 25% retail sales
of pc devices and accessories. Computer of pc devices and accessories. Computer
programming,consulting and network programming,consulting and network
hosting services are ineligible. Central hosting services are ineligible. Central
Station Burglar Alarm required. The Station Brglar Alarm required. The
Computer Services Professional Liabiliity Computer Services Professional Liabiliity
Exclusion applies. Exclusion applies.
Computer Store 131116 011160 RETL

l X l l l l l This class does not include consulting,
leasing or rentals, or customization or
This class does not include consulting,
leasing or rentals, or customization or
development of software. Installation, development of software. Installation,
service or repair must be 25% or less of service or repair must be 25% or less of
the receipts. Central Station Burglar the receipts. Central Station Burglar
Alarm recommended. Computer Services Alarm recommended. Computer Services
Professional Liability Exclusion. Professional Liability Exclusion.
Computer Store - Wholesale 131118 012362 WHLS

l X l q l l l This class does not include consulting, This class does not include consulting,
leasing or rentals, or customization or leasing or rentals, or customization or
development of software. Installation, development of software. Installation,
service or repair must be 25% or less of service or repair must be 25% or less of
the receipts. Central Station Burglar the receipts. Central Station Burglar
Alarm recommended. Computer Services Alarm recommended. Computer Services
Concessionaire - Limited Cooking (in

building)
131120 016819 FOOD
l X l l l l l Cooking should be limited to microwave
oven or toaster. This class does not
Cooking limited to microwave oven or
toaster. This class does not include
include deep fat frying or grilling. No Deep Fat Frying or Grilling. No
automobile snack services. No vending automobile snack services. No vending
machines. No catering. machines. No catering.
Concessionaire - With Cooking (in

building)
131122 016819 FOOD
l X l l l l l Must comply with NFPA 96. No
automobile snack services. No vending
Must comply with NFPA 96. No
automobile snack services. No vending
machines. machines.
Concrete - Mixed in Transit 051956 X X l l X q l
Concrete or Plaster Products 051957 X X q q q q q
Manufacturing - Not Structural

Auto
Code
Concrete Construction 132006 091560 CONT
l X q q q l l TARGET: Foundations to a maximum Foundations max 12 ft. Over 30%
depth of 12 feet, floor and wall subcontracting work, Refer to Company.
construction. Driveway, sidewalk or INELIGIBLE: Road construction, bridge
parking area paving or repaving may be construction and guniting/swimming pool
written as a separate class. construction.
INELIGIBLE: Road construction, bridge
construction, waterproofing and
guniting/swimming pool installation,
service or repair.
Concrete Products Manufacturing - 051958 X X X X X q X

Prestressed
Concrete Products Manufacturing - 051959 X X X X X q X
Structural
Condominium - Residential (Association 062003 X X X X X q X No transporting of residents or guests. No transporting of residents or guests.
Risk Only) No hiring of buses or vans. No hiring of buses or vans
Contractors Equipment - cranes, 011201 X X X X X X X
derricks, power shovels and equipment
incidental thereto - rented to others with
operators
Contractors Equipment - cranes, 011202 X X X X X X X
derricks, power shovels and equipment
incidental thereto - rented to others
without operators
Contractors Equipment - earth moving 011205 X X X X X X X
equipment other than cranes, derricks
and power shovels - rented to others with
operators
Contractors Equipment - earth moving 011206 X X X X X X X
equipment other than cranes, derricks
and power shovels - rented to others
without operators
Contractors Equipment - excluding 011207 X X X X X X X
automobiles - rented to others with
operators
Contractors Equipment - excluding 011208 X X X X X X X
automobiles - rented to others without
operators
Contractors Equipment - hod or material 011209 X X X X X X X
platform hoists and equipment incidental
thereto - rented to others with operators
Contractors Equipment - hod or material 011210 X X X X X X X

platform hoists and equipment incidental
thereto - rented to others without
operators
Contractors Equipment - ladders, 011211 X X X X X X X
scaffolds, scaffolding, sidewalk bridges,
towers and equipment incidental thereto -
rented to others
Contractors Equipment - scaffolds, 011212 X X X X X X X
sidewalk bridges, hod or material hoists
towers - rented to others - installation,
repair or removal operations only
Contractors Equipment - steam boilers, 011213 X X X X X X X

compressors, air pressure tanks,
pneumatic tools and equipment incidental
thereto - rented to others with operators

Auto
Code
Contractors Equipment - steam boilers, 011214 X X X X X X X
compressors, air pressure tanks,
pneumatic tools and equipment incidental
thereto - rented to others without
operators
Contractors Executive Supervisors or 091580 X X X X X X X
Executive Superintendents
Contractors Permanent Yard - 091590 X X l l q X l
Maintenance or Storage of Equipment or
Material
Convenience Store (No Gas) 013673 X X X X X X X
Convenience Store (With Gas) 013455 X X X X X X X
Copying and Duplicating Service 131124 011222 SERV
l X l l l l l
Cosmetic Store 131126 011234 RETL
l X l l l l l This class does not include mixing,
blending or products sold under the
This class does not include mixing,
insureds' own label. This class does not insureds' own label. This class does not
include massage, tanning or weight include massage, tanning or weight
reduction. Central Station Burglar Alarm reduction. Central Station Burglar Alarm
recommended. recommended.
Cosmetics - Wholesale 131128 042499 WHLS
l X l l l l l This class does not include mixing,
This class does not include mixing,
insureds' own label. This class does not insureds' own label. This class does not
include massage, tanning or weight include massage, tanning or weight
reduction. Central Station Burglar Alarm reduction. Central Station Burglar Alarm
Crematories 041696 X X X X X X X
Dairy Products - Wholesale 131130 011258 WHLS
l X q q X l l
Dairy Products Manufacturing 052002 X X X X X q X No transporting of bulk milk products or No transporting of bulk milk products or
use of tanker trucks. use of tanker trucks
Dairy Products Store 131132 011258 RETL
l X q q X l l
Dance Clothing and Supplies 131134 011127 RETL
recommended.
Day Care Centers 041715 X X q X X X X
Day Spa 131136 018200 SERV
l X q q q l q Services include: Hair styling, pedicures, Services include: Hair styling, pedicures,
manicures, massages, facials, waxing, manicures, massages, facials, waxing,
reflexology, body wraps, exfoliating, and reflexology, body wraps, exfoliating, and
makeup application. Ineligible Services makeup application. Ineligible Services
include electrolysis, hair weaving, hair include electrolysis, hair weaving, hair
implants, oxygen bars, diet or reducing implants, oxygen bars, diet or reducing
programs, communal tubs, tattooing programs, communal tubs, tattooing
including permanent skin dying, eye lash including permanent skin dying, eye lash
extensions, laser skin and hair extensions, laser skin and hair
treatments and any services which treatments and any services which
require medical supervision. Tanning or require medical supervision. Tanning or
spray tanning operations must have spray tanning operations must have
separate coverage with another carrier. separate coverage with another carrier.
Proof of coverage is required. Proof of coverage is required.
Professional Liability must be provided. Professional Liability must be provided.

Auto
Code
Delicatessen/Sandwich Shop - Limited
Cooking
131138 011288 FOOD
l X l l l l l Convenience/Corner Stores are not
eligible. Retail receipts should not exceed
Convenience/Corner Stores are not
25% of total sales. This class 25% of total sales. This class
contemplates limited cooking only. Refer contemplates limited cooking only. Refer
to Delicatessen/Sandwich Shop with to Delicatessen/Sandwich Shop with
Cooking if there is any deep fat frying, Cooking if there is any deep fat frying,
grilling, open broiling, roasting, grilling, open broiling, roasting,
barbequing, solid fuel cooking (mesquite, barbequing, solid fuel cooking (mesquite,
charcoal or hardwood) or other charcoal or hardwood) or other
processes on appliances that produce processes on appliances that produce
grease laden vapors. Hired and Non- grease laden vapors. Hired and Non-
owned Auto coverage is not available. owned Auto coverage is not available.
INELIGIBLE: Off premises catering.
Catering defined as providing both food
and food servers.
Delicatessen/Sandwich Shop - With

Cooking
131140 011288 FOOD
l X l l l l l Convenience/Corner Stores are not
Convenience/Corner Stores are not
25% of total sales. Cooking equipment 25% of total sales. Cooking equipment
must comply with NFPA96. Hired and must comply with NFPA96. Hired and
Non-owned Auto coverage is not Non-owned Auto coverage is not
available. INELIGIBLE: Off premises available.
catering. Catering defined as providing
both food and food servers.
Dental Laboratory 131142 012014 SERV

l X l l q l l Professional Liability Excluded.
Dental Laboratory - Wholesale 131144 012014 WHLS

l X l l q l l
Department or Discount Stores 012356 X X q q q q q
Diagnostic Testing Laboratory 131146 046112 SERV
l X l l q l l Diagnostic Testing Laboratories Diagnostic Testing Laboratories
Exclusion applies. Exclusion applies.
Distributors - Food or Drink, NOC 012361 X X q q q l q
Distributors - NO Food/Drink, NOC 012362 X X q q q l q
Door and Window Erection 132007 091746 CONT
l X l l q l l TARGET: Installation or replacement of Over 30% subcontracting work, Refer to
windows and doors, including Company. INELIGIBLE: Exterior work
combination storms/screens. Class over 2 1/2 stories, roofing, work involving
includes installation of overhead garage removal or stripping of trim with lead
doors - maximum 30% commercial paint or asbestos.
garage door installation. Siding
installation may be written as a separate
class. INELIGIBLE: Exterior work over
2 1/2 stories, roofing, work involving
removal or stripping of trim with lead
paint or asbestos. Hot Tar Exclusion
applies.
Door, Window or Assembled Millwork -

Dealer
131148 014279 RETL
l X l l l l l No installation. No installation
Door, Window or Assembled Millwork -

Wholesale
131150 014279 WHLS
l X l l l l l No installation. No installation

Auto
Code
Drilling - Water 132008 092102 CONT
l X q q q l l TARGET: Contractors who drill, TARGET: Contractors who drill,
construct, install and service water wells construct, install and service water wells
and pumps that provide water supplies and pumps that provide water supplies to
for residential use. INELIGIBLE: residential use. INELIGIBLE:
Contractors who perform water well or Contractors who perform water well
any other drilling work for commercial, drilling work for industrial or irrigation
industrial, irrigation or any other purpose purposes, laying of water lines or water
other than to supply water for residential mains, building of storage tank,
use, including laying of water lines or installation of pumping equipment.
water mains, building of storage tanks or
installation of pumping equipment.
Hydrofracking and hydrofracturing
operations are also ineligible
Driveway, Parking Area or Sidewalk -

Paving or Repaving
132009 092215 CONT
l X l l l l l TARGET: Flat cement or concrete work
including asphalt and blacktop work.
TARGET: Flat cement or concrete work
including asphalt and blacktop work.
Foundation construction may be written Foundation construction may be written
as a separate class. INELIGIBLE: as a separate class. INELIGIBLE: Road
Road construction, road paving and construction, road paving and bridge
bridge construction. construction. Over 30% subcontracting
work, Refer to Company.
Drug Store 131152 012375 RETL X X X X X X X

Drywall Installation 132010 092338 CONT
l X q q X q l TARGET: Drywall or wallboard TARGET: Drywall or wallboard hanging
hanging and finishing. Office and finishing. Office construction is
construction is acceptable if risk meets acceptable if risk meets other guidelines.
other guidelines. INELIGIBLE: INELIGIBLE: Hazardous materials
Hazardous materials abatement work abatement work. Class not available in
and EIFS. Refer to company is New York. Over 30% subcontracting
subcontracting is over 30%. Class is not work, Refer to Company.
available in New York.
Dwellings - Four Family - Lessors Risk 063013 X X X X X q X

Only
Dwellings - One Family - Lessors Risk 063010 X X X X X q X
Only
Dwellings - Three Family - Lessors Risk 063012 X X X X X q X
Only
Dwellings - Two Family - Lessors Risk 063011 X X X X X q X
Only
Electrical and Lighting Store 131154 018437 RETL
l X l l l l l This class includes up to 25% of the total
receipts from installation, service or
This class includes up to 25% of the total
repair. This class does not include repair. This class does not include
installation or service of alarms or installation or service of alarms or
surveillance systems, transformers, surveillance systems. Products must be
rentals, used or rebuilt items, or power U.L. listed. Central Station Burglar Alarm
tool sales. For businesses with more recommended.
than 25% of the total receipts from
charge can be made. Products must be
U.L. listed. Central Station Burglar Alarm
recommended.

Auto
Code
Electrical and Lighting Store - Wholesale 131156 012391 WHLS
repair. This class does not include repair. This class does not include
installation or service of alarms or installation or service of alarms or
surveillance systems, transformers, surveillance systems. Products must be
rentals, used or rebuilt items, or power U.L. listed. Central Station Burglar Alarm
tool sales. Products must be U.L. listed. recommended.
recommended.
Electrical Apparatus Installation, 092451 X X l q q l q 30% subcontracting work, Refer to
Servicing or Repair, NOC Company.
Electrical Equipment and Supplies 131160 012393 RETL
repair. This class does not include repair. No installation or service of
installation or service of alarms or alarms or surveillance systems. No used
surveillance systems or used or or reconditioned sales. Products must be
reconditioned sales. For businesses with U.L. listed. Central Station Burglar Alarm
more than 25% of the total receipts from recommended.
charge can be made. Products must be
U.L. listed. Garagekeepers Liability
coverage available for auto radio and
stereo installation. Central Station Burglar
Alarm recommended. INELIGIBLE:
Cell phone stores.
Electrical Equipment and Supplies -

Wholesale
131162 012391 WHLS
l X l l l l l This class does not include distribution of
products used in aircraft or aerospace
This class does not include distribution of
products used in aircraft or aerospace
applications, used or rebuilt parts or applications, used or rebuilt parts or
equipment rentals, or power tools. equipment rentals, or power tools.
Products distributed must be U.L. listed. Products distributed must be U.L. listed.
Burglar and Fire Alarm recommended. Burglar and Fire Alarm recommended.
Electrical Wiring 132012 092478 CONT

l X l l l l l TARGET: Installation and repair of
electrical wiring within buildings.
TARGET: Installation and repair of
electrical wiring within buildings. Any
INELIGIBLE: Work on power lines installation, service or repair to solar
exceeding 220 volts, industrial work and energy systems or equipment.
fire or burglar alarm work. Any INELIGIBLE: Work on power lines
installation, service or repair to solar exceeding 220 volts, industrial work and
energy systems or equipment. No high fire or burglar alarm work. Over 30%
voltage overhead or underground line subcontracting work, Refer to Company.
work. No specialty wiring work (explosion No high voltage overhead or
proof, dust, wet location, etc). underground line work.
Electronic Repair 131166 099650 SERV

l X l l l l l Applies to businesses that repair various
home electronic equipment such as
Applies to businesses that repair various
home electronic equipment such as
cameras (video and DVD), DVD players, cameras (video and DVD), DVD players,
stereos, TVs, VCRs and wireless stereos, TVs, VCRs and wireless
phones. This class does not include phones. This class does not include
repair of security/surveillance equipment. repair of security/surveillance equipment.
Central Station Burglar Alarm Central Station Burglar Alarm
Electroplating 052547 X X X X X l X
Engraving 131168 052660 SERV
l X l l q l l
Entertainment Performed on Others 043215 X X X X X X X
Premises

Auto
Code
Excavation 094007 X X q q X q q Over 30% subcontracting work, Refer to
Company.
Fabric and Yarn 131170 012510 RETL
l X l l l l l Includes up to 10% furniture upholstery.
Fabric and Yarn - Wholesale 131172 012509 WHLS

l X l l l l l Burglar and Fire Alarm recommended.
Farm - vegetables, melons, tree nuts,

insect farming - not owner operated
003519 X X X X X l X
Farm - vegetables, melons, tree nuts,

insect farming - owner operated
003518 X X X X X l X
Farm - Grain or other field crops - not

owner operated
006519 X X X X X l X
Farm - Grain or other field crops - owner
operated
006518 X X X X X l X
Farm - Livestock, Horses and other
animals - not owner operated
001519 X X X X X l X
Farm - Livestock, Horses and other
animals - owner operated
001518 X X X X X l X
Farm - Poultry or Dairy - not owner
operated
002519 X X X X X l X
Farm - Poultry or Dairy - owner operated 002518 X X X X X l X
Feed Manufacturing, NOC 053001 X X X X X q X
Feed, Grain or Hay Dealers 012583 X X X X X q X
Fence Dealer 131174 012651 RETL
l X l l l l l This class does not include installation,
even if subcontractors are used. If an
Company.
installation exposure exists, refer to the
charge can be made. Burglar and Fire
Alarm recommended.
Fence Dealer - Wholesale 131176 012651 WHLS

l X l l l l l This class does not include installation,
even if subcontractors are used. Burglar
Company.
and Fire Alarm recommended.
Fence Installation 132013 094276 CONT

l X q q q l l TARGET: Residential or farm type TARGET: Residential or farm type wood,
wood, vinyl and metal fence installation. vinyl and metal fence installation.
INELIGIBLE: Razor or concertina wire INELIGIBLE: Razor or concertina wire
installation, penal work, electric or installation, penal work, electric or
security fences, highway guard rail security fences, highway guard rail
installation. installation.
Fire Departments - Volunteer 043551 X X X X X X X
Floor Covering Distributors 012797
l X l l l l l Refer to Carpet and Floor Covering -
Wholesale Class.
Florist 131180 012841 RETL
l X l l l l l This class does not include nursery or
greenhouse operation. Hired and Non-
Hired and non-owned Auto Liability is not This class does not include nursery or
available. greenhouse operations.
Hired and non-owned Auto Liability is not
available.
Owned Auto Liability is not available.
Food Products Manufacturing - dry 053374 X X q q X q q

Food Products Manufacturing - frozen 053375 X X q q X q q
Food Products Manufacturing - not dry - 053376 X X q q X l q
in glass containers
Food Products Manufacturing - not dry - 053377 X X q q X l q
in other than glass containers
Formal Wear or Costumes - Rented To
Others
131182 012927 RETL
l X l l l l l
Frozen Food Distributors 013049 X X q q q l q
Auto
Code
Fruit, Vegetable and Produce 131184 013111 RETL
l X l l l q l This class does not include roadside This class does not include roadside
stands or seasonal operations, delis, stands or seasonal operations, delis,
greenhouses or farms. Evaluate for greenhouses or farms. Evaluate for more
more appropriate class if the sales of appropriate class if the sales of food,
food, other than fruits, vegetables, or other than fruits, vegetables, or produce,
produce, represent more than 25% of the represent more than 25% of the total
total receipts. receipts.
Fruit, Vegetable and Produce - 131186 013112 WHLS
l X l l l q l
Wholesale
Fuel Dealers or Distributors - Coal or 013201 X X X X X X X
Wood
Fuel Oil or Kerosene Distributors 013205 X X X X X X X
Fuel Oil Or Kerosene Dealers 013204 X X X X X X X
Funeral Home 131188 043889 SERV
l X l l l l l Professional Liability is required. This
class does not include crematory
No leasing or renting vehicles to others. No crematories. Any habitational
occupancy, Refer to Company.
No leasing or renting vehicles to others.
operations.
Furniture or Fixtures - Installation in 095124 X X l l q l l 30% subcontracting work, Refer to
Offices or Stores - Portable - Metal or Company.
Wood
Furniture or Woodwork Stripping, 053734 X X X X X l q
Refinishing or Repairing - Shop Only
Furniture Manufacturing or Assembling - 053731 X X X X X q X
Infants
Furniture Manufacturing or Assembling - 053732 X X q q X q q
Other Than Wood
Furniture Manufacturing or Assembling - 053733 X X q q X q q
Wood
Furniture Store 131190 013351 RETL
l X l l q l l This class does not include used This class does not include used
furniture sales or infants/children furniture furniture sales or infants/children furniture
sales. No refinishing. Hired/Non-Owned sales. No refinishing. Sprinkler system,
Liability is not available if any delivery Central Station Burglar and Fire Alarm
exposure. Sprinkler System, Central recommended.
Station Burglar and Fire Alarm
recommended. If BPP is over $500,000,
refer to company.
Garbage, Ash or Refuse Collecting 095233 X X X X X X X

Gasoline or Oil Supply Station - Retail - 044009 X X X X X X X
Lessors Risk Only
Gasoline Station - Full Service 013453 X X X X X X X
Gasoline Station - Self and Full Service 013455 X X X X X X X
Combined
Gasoline Station - Self Service 013454 X X X X X X X
Gift, Souvenir or Novelty Store 131192 013506 RETL
l X l l l l l This class does not include outdoor cart
vendors or seasonal operations. Central
This class does not include outdoor cart
vendors or seasonal operations. Central
Gift, Souvenir or Novelty Store -

Wholesale
131194 012362 WHLS
recommended.
Recommended.
Glass or Mirror Store - (No Auto Glass) 131196 013590 RETL
l X l l l l l This class does not include automotive
glass sales or installation. This class
This class does not include automotive
glass sales or installation.
includes up to 25% of the receipts from
installation. For businesses with more
than 25% of the total receipts from
charge can be made.

Auto
Code
Glass or Mirror Store - Wholesale (No
Auto Glass)
131200 012362 WHLS
l X l l l l l This class does not include automotive
This class does not include automotive
Glaziers 132015 013590 CONT

l X l l l l l TARGET: Auto glass installation,
cutting and installing of glass. Door and
TARGET: Auto glass installation,
cutting and installing of glass. Door and
window installation may be written as a window installation may be written as a
separate class. INELIGIBLE: Work separate class. No work over 2 1/2
over 2 1/2 stories. stories. Over 30% subcontracting work,
Refer to Company.
Golf Courses - Miniature 044069 X X X X X q X

Golf Courses - Municipal or Public - Not 044070 X X q q q l q Not a market for municipal courses. See
Golf or Country Clubs Golf Program Manual for eligibility
guidelines.
Golf Driving Ranges 044071 X X l l q l l
Golf Equipment and Supplies 131202 018206 RETL
l X l l l l l This class does not include driving
ranges or golf cart rental or sales.
This class does not include driving
ranges or golf cart rental or sales.
Includes up to 30% repair of used clubs Includes up to 30% repair of used clubs
or custom club making. Central Station or custom club making. Central Station
Burglar Alarm recommended. Burglar Alarm recommended.
Golf Equipment and Supplies -

Wholesale
131204 018205 WHLS
l X l l l l l Applies to businesses distributing golf
clubs, apparel and golfing supplies. This
Applies to businesses distributing golf
clubs, apparel and golfing supplies. This
class does not include golf cart sales. class does not include golf cart sales.
Golfmobiles - Loaned or Rented to 044072 X X X X X X X
Others
Gourmet and Specialty Food 131206 018435 RETL
l X q q l l l This class does not include cooking. No hired and non-owned liability if No cooking. No Hired and Non-Owned Auto Liability if
Hired and Non-owned Auto Liability is not delivery. delivery.
available if any delivery. Maximum 3,000
square feet.
Governmental Subdivision - not state or 044113 X X X X X X X
federal - counties or parishes population
over 250000
under 10000
100001-250000
10001-25000
25001-50000
50001-100000
federal - municipalities population over
250000
federal - municipalities population under
100001-250000
10001-25000

Auto
Code
2500
25001-50000
2501-10000
50001-100000
Grading of Land 095410 X X q q q q q
Greenhouse Erection 095487 X X X X X X X
Grocery - Wholesale 131208 013670 WHLS q X q q q q q Applies to businesses distributing general
or specialty foods to retailers. This class
does not include frozen food, alcoholic
beverages, fish, meat, poultry or tobacco
products. Perishable goods limited to
$100,000. If higher - Refer to Company.
Central Station Burglar and Fire Alarms
recommended.
Grocery Stores, NOC 013673 X X q q q X q

Gunsmiths 095620 X X X X X q X
Halls 044276 X X X X X q X
Handyman 132016 095625 CONT
l X q q X l X A Handyman is someone who is hired to
do a variety of miscellaneous repair work
that is found in a residential household
environment. A Handyman is not
licensed in any trade and is not trained
as a professional artisan. Risks with
more than two full time and one part time
employee are not eligible. The risk may
not subcontract any work. Any roofing
work can not exceed 35% of the roof.
The percentage of non-residential work
cannot exceed 30%. The policy
includes the following limitations and
exclusions: Limited Contractual, Hot Tar
Exclusion, Exclusion to Employees,
Contractors and Employees of
Contractors, and Roofing Exclusion if
work is done to more than 35% of the
roof. This class is not combinable with
other Contracting classes.
Hardware - Wholesale 131210 013715 WHLS

l X l l l q l This class does not include: sale of This class does not include: sale of
firearms or ammunition, equipment rental firearms or ammunition, equipment rental
or repair. Products sold under insured's or repair. Products sold under insured's
own label, greenhouses, nurseries. LPG own label, greenhouses, nurseries. LPG
sales must be incidental. May include up sales must be incidental. May include up
to 25% of total receipts for lumber sales. to 25% of total receipts for lumber sales.

Auto
Code
Hardware Store 131212 013716 RETL
l X l l l l l This class does not include: sale of
firearms or ammunition, equipment rental
This class does not include: sale of
firearms or ammunition, equipment rental
or repair. Products sold under insured's or repair. Products sold under insured's
own label, greenhouses, nurseries. LPG own label, greenhouses, nurseries. LPG
sales must be incidental. May include up sales must be incidental. May include up
to 25% of total receipts for lumber sales. to 25% of total receipts for lumber sales.
Health or Exercise Clubs 044311 X X X X X q X

Health or Exercise Facilities - 044315 X X X X X q X
Commercially Operated
Health or Natural Food Stores 013720 X X q X X l X
Health Care Facilities - alcohol and drug - 044427 X X X X X X X
other than not-for-profit
Health Care Facilities - alcohol and drug - 044428 X X X X X X X
Not-for-profit only
Health Care Facilities - clinics, 044439 X X X X X X X
dispensaries or infirmaries treating
outpatients only - no regular bed and
board facilities - other than Not-For-Profit
Health Care Facilities - clinics, 044440 X X X X X X X

dispensaries or infirmaries treating
outpatients only - no regular bed and
board facilities - Not-For-Profit only
Health Care Facilities - convalescent or 044429 X X X X X X X
nursing homes - not mental -
psychopathic institutions - other than Not-
For-Profit
Health Care Facilities - convalescent or 044430 X X X X X X X
nursing homes - not mental -
psychopathic institutions - Not-For-Profit
only
Health Care Facilities - homes for the 044431 X X X X X X X
aged - other than Not-For-Profit
aged - Not-For-Profit only
physically handicapped or orphaned -
other than Not-For-Profit
physically handicapped or orphaned - Not-
For-Profit only
Health Care Facilities - hospitals - other 044435 X X X X X X X
than Not-For-Profit
Health Care Facilities - hospitals - Not- 044436 X X X X X X X
For-Profit only
Health Care Facilities - mental - 044437 X X X X X X X
psychopathic institutions - other than Not-
For-Profit
Health Care Facilities - mental - 044438 X X X X X X X
psychopathic institutions - Not-For-Profit
only
Hobby, Craft or Artists' Supply 131214 014101 RETL
l X l l l l l This class does not include the sale of
sporting goods.
Hobby, Craft or Artists' Supply -
Wholesale
131216 012362 WHLS
sporting goods. Burglar and Fire Alarm
No sale of sporting goods. Central
Station Burglar and Fire Alarm

Auto
Code
Home Furnishings - Wholesale 131218 012362 WHLS
installation. This class does not include
No rental. Central Station Burglar and
Fire Alarm recommended.
rental. Burglar and Fire Alarm
recommended.
Home Furnishings Store 131220 018437 RETL
l X l l l l l This class is intended for miscellaneous
home accessories. Includes up to 25%
This class is intended for miscellaneous
home accessories. If furniture sales, refer
installation. If furniture sales, refer to to Furniture Store class.
Furniture Store. For businesses with
more than 25% of the total receipts from
charge can be made.
Hotels and Motels - with Pools or 045190 X X X X X X X

Beaches - Less than 4 Stories
Hotels and Motels - with Pools or 045191 X X X X X X X
Beaches - More than 4 Stories
Hotels and Motels - without Pools or 045192 X X X X X X X
Beaches - Less than 4 Stories
Hotels and Motels - without Pools or 045193 X X X X X X X
Beaches - More than 4 Stories
Hotels and Motels - Less than 4 Stories - 064074 X X X X X X X
Lessors Risk Only
Hotels and Motels - More than 4 Stories - 064075 X X X X X X X
Lessors Risk Only
Household Furnishings Installation and
Repair
132017 096053 CONT
household furnishings including window
household furnishings including window
treatments, draperies and shades. treatments, draperies and shades.
Appliance installation may be written as a Appliance installation may be written as a
separate class. INELIGIBLE: separate class. INELIGIBLE:
furniture/household moving, alarm furniture/household moving, alarm
installation and furniture repair. $250 installation and furniture repair.
Property Damage deductible applies.
Hunting Preserves 045224 X X X X X X X

Ice Cream and Yogurt Store 131224 014401 FOOD
l X l l l l l Any cooking should be limited to
microwave, oven, or toaster. This class
Any cooking should be limited to
microwave, oven, or toaster. This class
does not include deep fat frying or does not include deep fat frying or
grilling. grilling.
Ice Dealer - Wholesale 131226 014405 WHLS q X q q q q q
Instrument Manufacturing - Analytical, 055647 X X q X X q X
Calibrating, Measuring, Testing or
Recording
Instrument Manufacturing - Control 055648 X X q X X q X
Instrument Manufacturing, NOC 055649 X X q X X q X
Insulation Work - Mineral 096410 X X X X X l X
Insulation Work - Organic 096409 X X X X X l X
Insulation Work - Plastic 096408 X X X X X l X
Interior Decorator 132018 096611 CONT
l X l l q l l TARGET: Interior decorators. Painting TARGET: Interior decorators. Painting
and paperhanging and household and paperhanging and household
furnishings installation or repair may be furnishings installation or repair may be
written as separate classes. Class written as separate classes. Class
does not include contracting work does not include contracting work
performed by or for the insured. performed by or for the insured.
Internet Access Provider 047600 X X X X X l X

Internet Service Provider 047610 X X X X X l X
Auto
Code
Janitorial Services 132019 096816 CONT
l X l l q l l TARGET: Janitorial and cleaning TARGET: Janitorial and cleaning
services for residential and commercial services for residential and commercial
facilities, interior only. INELIGIBLE: facilities, interior only. INELIGIBLE: No
Exterior window washing, exterior exterior window washing, cleaning of
cleaning of buildings (power washing or buildings (power washing or
abrasive blasting), industrial cleaning or sandblasting), industrial cleaning or any
any process requiring/providing process requiring compliance with
compliance with environmental environmental regulations (such as
regulations (such as hazardous waste hazardous waste clean-up). No Fire or
clean-up). No Fire or Flood restoration Flood restoration work.
work. No chimney cleaning work.
Janitorial Supply 131228 014527 RETL

l X l l l l l This class does not include products sold
under insured's own label or mixing,
This class does not include products sold
blending, repackaging or relabeling of blending, repackaging or relabeling of
products. Includes up to 15% rentals. products. Includes up to 15% rentals.
Janitorial Supply - Wholesale 131230 014527 WHLS

l X l l l l l This class does not include products sold
This class does not include products sold
blending, repackaging or relabeling of blending, repackaging or relabeling of
products. Includes up to 15% rentals. products. Includes up to 15% rentals.
Jewelry Manufacturing 055802 X X q q q q q

Junk Dealers 045380 X X X X X X X
Kennel - Breeding, Boarding or Sales 131232 045450 SERV
l X l l q l l The Kennel should require evidence of The Kennel should require evidence of
vaccinations prior to boarding. Domestic vaccinations prior to boarding. Domestic
animals only. Includes up to 30% animals only.
incidental obedience training.
Kitchen Accessories 131234 018437 RETL
l X l l l l l This class does not include major
appliance sales. Small kitchen
This class does not include major
appliances are acceptable. Incidental appliances are acceptable. Incidental
installation (up to 30%) is acceptable. installation (up to 30%) is acceptable.
Kitchen Accessories - Wholesale 131236 012467 WHLS

l X l l l l l This class does not include major
This class does not include major
appliances are acceptable. Incidental appliances are acceptable. Incidental
installation (up to 30%) is acceptable. installation (up to 30%) is acceptable.
Labor Union Offices 065007 X X q q q l q

Laboratories - Research, Development or 097002 X X X X X q X No transporting of biological, chemical or No transporting of biological, chemical or
Testing hazardous substances. No hired or non- hazardous substances. No hired or non-
owned coverage to be provided. owned coverage to be provided.
Land Occupied by Persons Other Than 045539 X X X q q l q

the Insured for Business Purposes -
Lessors Risk Only
Landscape Gardening 132020 097047 CONT
l X l l q l l TARGET: Residential landscaping and Tree Trimming is acceptable if at no more
lawn care. Residential snowplowing than 12 feet. No tree removal.
operations may be eligible but must be
separately rated. Tree trimming is
acceptable if at no more than 12 feet.
INELIGIBLE: Commercial snowplowing
(parking lots, streets and roads) and
application of other than over-the-counter
pesticides or fertilizers. No tree removal.
No grading of land or excavation work.

Auto
Code
Laundry and Dry Cleaning - Self-Service 131238 014731 SERV X X X X X X X
Laundry and Dry Cleaning Receiving
Station
131240 014732 SERV
l X l l l l l Applies to dry cleaning and laundry drop-
off/pickup sites operated in conjunction
Applies to dry cleaning and laundry drop-
off/pickup sites operated in conjunction
with dry cleaning plants at another with dry cleaning plants at another
premises. This class does not include premises. This class does not include
dry cleaning or laundering on premises of dry cleaning or laundering on premises of
receiving stations. receiving stations.
Laundry Rental Service 014734 X X q q q l q

Lawn Care Services 097050 X X l l q l l
Lawn Sprinkler Installation 132021 098483 CONT
l X l l q l l TARGET: Lawn sprinkler installation. TARGET: Lawn sprinkler installation.
INELIGIBLE: Fire protection system INELIGIBLE: Fire protection system
work. work.
Leather Goods 131242 011127 RETL
l X l l l l l This class includes repair. Central
Station Burglar Alarm recommended.
recommended.
Leather Goods - Wholesale 131244 011126 WHLS
l X X X l l l Burglar and Fire Alarm recommended. Central Station Burglar Alarm
recommended.
Libraries 066309 X X X X X X X
Liquor - Wholesale 131246 010140 WHLS
l X l l l l l Applies to businesses that sell 75% or
more of alcoholic beverages. This class
Applies to businesses that sell 75% or
more of alcoholic beverages. This class
does not include: -Grocery/convenience does not include: -Grocery/convenience
items greater than 25% of total sales - items greater than 25% of total sales -
Drive thru service -On premise alcohol Drive thru service -On premise alcohol
consumption, wine tasting must not consumption, wine tasting must not
exceed four times per month -Sponsoring exceed four times per month -Sponsoring
on premises or off premises events (such on premises or off premises events (such
as fund raisers) where alcohol is served - as fund raisers) where alcohol is served -
check cashing -24 hour operations -Risks check cashing -24 hour operations -Risks
with firearms or guard dog. Hired/Non- with firearms or guard dog. Hired/Non-
Owned Auto liability is not available if any Owned Auto liability is not available if any
delivery. Liquor Liability Coverage not delivery. Liquor Liability Coverage not
available - Proof of Coverage required. available - Proof of Coverage required.
Liquor Store 131248 010145 RETL X X X X X X X Applies to businesses that sell 75% or Applies to businesses that sell 75% or
more of alcoholic beverages. This class more of alcoholic beverages. This class
does not include: -Grocery/convenience does not include: -Grocery/convenience
items greater than 25% of total sales - items greater than 25% of total sales -
Drive thru service -On premise alcohol Drive thru service -On premise alcohol
consumption, wine tasting must not consumption, wine tasting must not
exceed four times per month -Sponsoring exceed four times per month -Sponsoring
on premises or off premises events (such on premises or off premises events (such
as fund raisers) where alcohol is served - as fund raisers) where alcohol is served -
check cashing -24 hour operations -Risks check cashing -24 hour operations -Risks
with firearms or guard dog. Hired/Non- with firearms or guard dog. Hired/Non-
Owned Auto liability is not available if any Owned Auto liability is not available if any
delivery. Liquor Liability Coverage delivery. Liquor Liability Coverage
required - Refer To Company. Central required - Refer To Company. Central
Locksmith 014913 X X l l l l l No alarm work. No Alarm work.
Luggage Store 131250 018437 RETL

recommended.
recommended.

Auto
Code
Luggage Store - Wholesale 131252 012362 WHLS
recommended.
recommended.
Lumberyards 045819 X X X X X X X
Machine Shop, NOC 097220 X X q q q l q
Machinery or Equipment - Farm - 097221 X X X X X q X
Installation, Servicing or Repair
Machinery or Equipment - Industrial - 097222 X X q q X q X
Installation, Servicing or Repair
Machinery or Equipment - Installation, 097223 X X q q X q X
Servicing or Repair, NOC
Machinery or Equipment Dealers - 015060 X X X X X q X
Construction or Industrial - Mobile Type
Machinery or Equipment Dealers - Yard 015063 X X l q q l q

or Garden Type
Machinery or Equipment Dealers, NOC 015062 X X q q q l q
Mail Box or Packaging Store 131254 015070 SERV
l X l q l l l This class includes risks that specialize in This class includes risks that specialize in
performing packing and mailing services performing packing and mailing services
for others. Includes incidental sales of for others. Includes incidental sales of
packing products and mailing packing products and mailing
accessories and faxing and copying of accessories and faxing and copying of
materials. Brokers for shipping materials. Brokers for shipping
companies are not to be included in this companies are not to be included in this
class. class.
Mail Order House 045901 X X l q l l q No tools, no sporting goods, no adult
books or magazines.
Mailing or Addressing Company 131256 045937 SERV
l X l l l l l
Manufacturers Representatives 045993 X X q q q q q No directs import. No sales of drugs,
cosmetics, aircraft or auto parts, power
tools, motorized vehicles, machinery,
equipment or chemicals.
Markets - open air (Lessors Risk only) 015123 X X q q q l q
other than Not-For-Profit
Markets - open air (Lessors Risk only) 015124 X X q q q l q
Not-For-Profit only
Markets - Not open air (Lessors Risk 015119 X X q q q l q
only) other than Not-For-Profit
Markets - Not open air (Lessors Risk 015120 X X q q q l q
only) Not-For-Profit only

Auto
Code
Masonry Work 132022 097447 CONT
l X l l q l l TARGET: Residential installation, TARGET: Residential installation,
repointing and repair of brick and repointing and repair of brick and
concrete block. Includes setting of tiles concrete block. Includes setting of tiles
on exterior of buildings. Concrete work on exterior of buildings. Concrete work
(other than block) may be written as a (other than block) may be written as a
separate class. Installation and repair of separate class. Installation and repair of
ceramic tile (walls and floors) stone ceramic tile (walls and floors) stone
floors, patios and walkways may be floors, patios and walkways may be
written separately under the tile, stone or written separately under the tile, stone or
terrazzo work class. INELIGIBLE: terrazzo work class. INELIGIBLE:
Exterior Insulation and Finishing System Exterior Insulation and Finishing System
(EIFS) work, waterproofing work, (EIFS) work, Industrial work, exterior
Industrial work, exterior work over 2 1/2 work over 2 1/2 stories, chimney
stories, chimney cleaning, church cleaning, church steeple work, road
steeple work, road construction, bridge construction, bridge construction, curb or
construction, curb or street work, street work, guniting/swimming pool
guniting/swimming pool installation, construction, work in connection with
service or repair, work in connection with lining of boilers and building or installation
lining of boilers and building or installation of fireplaces or similar type work.
of fireplaces or similar type work
Maternity Shop 131258 011127 RETL

recommended.
recommended.
Mausoleums 046004 X X l l q l l
Meat, Fish, Poultry or Seafood 131260 015224 RETL
l X l l l l l Burglar Alarm recommended. Burglar Alarm recommended.
Meat, Fish, Poultry or Seafood -

Wholesale
131262 015223 WHLS
l X l l l l l
Meat, Fish, Poultry or Seafood 056760 X X X X X X X
Processing
Medical, Hospital and Surgical 015300 X X X X X q X
Equipment and Supplies - Rented to
Others
Medical, Hospital and Surgical Supplies - 015314 X X X X X q X
Stores
Metal Dealers or Distributors - 015404 X X l q q q q
Nonstructural
Metal Dealers or Distributors - Structural 015405 X X l X X q X
Metal Erection - Decorative or Artistic 097650 X X q q X q q
Metal Erection - Frame Structures - 097651 X X X X X q X
Ironwork on Outside of Buildings
Metal Erection - In the Construction of 097652 X X q q X q q Class not available in New York.
Dwellings Not Exceeding 2 Stories in
Height
Metal Erection - Nonstructural, NOC 097653 X X q q X q q Class not available in New York.
Metal Erection - Structural, NOC 097655 X X X X X q X
Metal Goods Manufacturing - Stamping - 056912 X X q q q q q
Not Signs
Metal Goods Manufacturing, NOC 056911 X X X X X q X
Metal Heat Processing 056913 X X X X X q X
Metal Works - Shop - Decorative or 059914 X X q q q q q
Artistic
Metal Works - Shop - Structural - Load 056915 X X X X X q X
Bearing
Metal Works - Shop - Structural - Not 056916 X X X X X q X
Load Bearing

Auto
Code
Milk Depots or Dealers 057001 X X q q q q q
Milk Processing 057002 X X X X X X X
Mobile Home Parks or Courts 046202 X X X X X q X No transporting or moving of trailers or No transporting or moving of trailers or
mobile homes. mobile homes.
Mobile Home Sales Agencies 015488 X X X X X X X
Museum 046426 X X X X X l X
Music Store 131264 016676 RETL
l X l l l l l Incidental sales of small electronics up to
30% is acceptable. Central Station Fire
Incidental sales of small electronics up to
and Burglar Alarm recommended. and Burglar Alarm recommended.
Music Store - Wholesale 131266 012362 WHLS

l X l l l l l Incidental sales of small electronics up to
Incidental sales of small electronics up to
and Burglar Alarm recommended. and Burglar Alarm recommended.
Musical Instrument Manufacturing 057257 X X q q q l q

Musical Instrument Store 131268 015538 RETL
l X l l l l l This class includes lessons, rental and
repair. Central Station Burglar Alarm
This class includes lessons, rental and
recommended. Sexual Molestation recommended. Sexual Molestation
Exclusion. Exclusion.
Musical Instrument Store - Wholesale 131270 012362 WHLS
l X l l l l l This class includes lessons, rental and
This class includes lessons, rental and
recommended. Sexual Molestation recommended. Sexual Molestation
Exclusion. Exclusion.
Nail Salon 131272 015600 SERV
l X q q X l l Manicures and Pedicures only. For other Manicures and Pedicures only.
services, see Beauty Shop or Day Spa.
Professional Liability Required.
Net Manufacturing, NOC 057410 X X X X X l X

Newspaper or Magazine Distributor 015607 X X l l q l l
Newsstands 131274 015608 RETL
l X l l l l l
Night Clubs, Cabarets and Comedy 015656 X X X X X X X
Clubs
Nursery - Garden 015699 X X l l q l l No mixing or blending of herbicides or
pesticides. No mixing of fertilizer for sale;
no landscaping.
Office Furniture and Fixture Installation 132023 423210 CONT
l X l l l l l TARGET: Installation of office
partitions, modular work stations and
TARGET: Installation of office
partitions, modular work stations and
retail store displays. INELIGIBLE: retail store displays. INELIGIBLE:
High rack storage installation for High rack storage installation for
warehouses or industrial risks. warehouses or industrial risks.
Office Machine Installation and Repair 132024 811212 CONT
repair of equipment such as facsimile
TARGET: Installation, service and repair
of equipment such as facsimile
machines, copiers, computers, machines, copiers, computers,
telephones and telecommunications telephones and telecommunications
systems. INELIGIBLE: systems. INELIGIBLE:
Manufacturing / processing control work, Manufacturing/processing control work,
work for emergency facilities such as work for emergency facilities such as
hospitals, fire and alarm monitoring, hospitals, fire and alarm monitoring,
computer consulting work. computer consulting work.

Auto
Code
Office Machines and Equipment 131276 018437 RETL
installation, rental, service or repair. For
Less than 25% installation. No
wholesale. Less than 25% rental leasing.
businesses with more than 25% of the
total receipts from installation, service or
repair, refer to the Retail/Installation
segment where a charge can be made.
Office Machines and Equipment -

Wholesale
131278 012362 WHLS
l X l l l l l This class includes up to 25% installation
and up to 25% rental (no repair). Burglar
This class includes up to 25% installation
and up to 25% rental (no repair). Burglar
and Fire Alarm recommended. and Fire Alarm recommended.
Office Machines or Appliances -

Installation, Inspection, Adjustment or
098111 X X l l l l l
Repair
Office Machines Manufacturing 057572 X X q X X q X
Office Supplies 131282 018437 RETL
l X l l l l l
Office Supplies - Wholesale 131284 012362 WHLS
l X l l l l l Burglar and Fire Alarm recommended. Central Station Burglar Alarm
recommended.
Office: Accountant 131286 061226 OFFC
l X l l l l l Risks primarily engaged in providing
accounting services on or off premises.
Risks primarily engaged in providing
accounting services on or off premises.
This class does not include employee No employee leasing. Professional
leasing. Financial Services Exclusion. Liability Coverage required. Any
Professional Liability Excluded. habitational occupancy, Refer to
Company. Financial Services Exclusion
applies.
Office: Actuary 131288 061226 OFFC
l X q q l l l Provides actuarial services on or off Provides actuarial services on or off
premises. Professional Liability premises. Professional Liability
Excluded. excluded. Any habitational occupancy,
Refer to Company.
Office: Advertising Agency 131290 061226 OFFC
l X l l l l l Office that prepares ad layouts for
brochures, newspapers, magazines &
Office that prepares ad layouts for
brochures, newspapers, magazines &
books. Develops prototype for printing. books. Develops prototype for printing.
Personal and Advertising Injury Any habitational occupancy, Refer to
Exclusion. Company. Personal and Advertising
Injury Exclusion applies.
Office: Answering Service 131292 061226 OFFC
l X l l l l l This class does not include ambulance,
police, fire, private security or other
Telephone answering service for
individuals / businesses on a contract
emergency services. Professional basis. No alarm monitoring services
Liability Excluded. contemplated in this class. Any
Company.
Office: Appraisal and Inspection Service 131294 096317 OFFC
l X l l l l l Risks that provide inspection/appraisal
services for homes & personal property.
Risks that provide inspection/appraisal
services for homes & personal property.
The premise is visited for the purpose of The premise is visited for the purpose of
pictures and a written report of the pictures and a written report of the
condition/value of the home. No jewelry condition/value of the home. No jewelry
or art on insured's premises. Ineligible: or art on insured's premises. Risks that
Risks that provide appraisal services for provide appraisal services for fine arts for
fine arts and jewelry for the public. the public. Not to include jewelry
Professional Liability Excluded. appraisals. Any habitational occupancy,
Refer to Company.
Office: Audio Consultant 131296 041677 OFFC

l X l l l l l Provides testing of industrial noise levels
and hearing loss. This class does not
Provides testing of industrial noise levels
and hearing loss. This class does not
include medical offices or operations with include medical offices or operations with
physicians/nurses. Professional Liability physicians/nurses. Professional liability
Excluded. excluded. Any habitational occupancy,
Refer to Company.

Auto
Code
Office: Auditor 131298 041677 OFFC
l X l l l l l Risks primarily engaged in providing
auditing services on or off premises.
Risks primarily engaged in providing
auditing services on or off premises.
Professional Liability Excluded. Professional Liability Excluded. Any
Company.
Office: Bookkeeping Service 131300 041677 OFFC
l X l l l l l Risks engaged in bookkeeping
operations and business records /
Risks engaged in bookkeeping
operations and business records /
transactions for others. Professional transactions for others. Professional
Liability Excluded. Liability Excluded. Any habitational
Office: Cardiologist 131302 066561 OFFC
l X l l l l l Sexual Molestation Exclusion.
Professional Liability Excluded.
Sexual Molestation exclusion.
Professional Liability excluded. Any
Company.
Office: Chiropractor 131304 066561 OFFC
l X q q l l l Sexual Molestation Exclusion. Sexual Molestation Exclusion.
Professional Liability Excluded. Professional Liability excluded. Any
Company.
Office: Claims Adjuster 131306 096317 OFFC
l X l l l l l Provides claim adjustment services for
insurance companies or the public on an
Provides claim adjustment services for
insurance companies or the public on an
independent basis. Professional Liability independent basis. Any habitational
Excluded. occupancy, Refer to Company.
Office: Computer Consulting 131308 041675 OFFC X X X X X l X

Office: Consultants - NOC 041677 X X X X X l X Refer to specific class. Any habitational occupancy, Refer to
Company.
Office: Contractors 132035 061226 CONT
l X l l l l l $2500 Business Personal Property is
automatically included.
Office: Court Reporter/Stenographer 131310 047367 OFFC
l X l l l l l Provide transcription services for legal
depositions or other legal activities.
Provide transcription services for legal
depositions or other legal activities.
Services may be off premises. Personal Services may be off premises. Personal
and Advertising Injury Exclusion. & Advertising Injury Exclusion. Any
Company.
Office: Credit and Debt Counseling 131312 061226 OFFC
l X q q l l l Personal and Advertising Injury Any habitational occupancy, Refer to
Service Exclusion. Financial Services Exclusion. Company. Personal and Advertising
Injury Exclusion. Financial Services
Exclusion.
Office: Dental 131314 066561 OFFC
l X l l l l l Includes Dentists, Cosmetic Dentists,
Dental Hygienists, Endodontists,
Includes Dentists, Cosmetic Dentists,
Dental Hygienists, Endodontists,
Orthodontists and Periodontists. This Orthodontists and Periodontists. This
class does not include oral surgery class does not include oral surgery
involve general anesthesia. Sexual involve general anesthesia. Sexual
Molestation Exclusion. Professional Molestation Exclusion. Professional
Liability Excluded. Liability Excluded. Any habitational
Office: Dermatologist 131316 066561 OFFC

Company.
Office: Draftsmen 131318 091805 OFFC
l X l l l l l Risks with draftsmen performing office
work only. Drawing services for
Risks with draftsmen performing office
work only. Drawing services for
engineers or architects only when others engineers or architects only when others
provide specifications. This class does provide specifications. Not to include
not include engineers or architects. engineers or architects. Any habitational

Auto
Code
Office: Employment Agency 131320 043200 OFFC
l X l q X q l This class does not include leasing of No transporting of temporary employees This class does not include leasing of No transporting of temporary employees
employees or temp agencies. Includes to or from jobs. employees or temp agencies. Includes to or from jobs.
permanent job placement agencies. permanent job placement agencies.
Personal and Advertising Injury Personal and Advertising Injury
Exclusion. Sexual Molestation Exclusion. Exclusion. Sexual Molestation exclusion.
Any habitational occupancy, Refer to
Company.
Office: Engineers & Architects &
Surveyors
131322 092663 OFFC
l X l l l l l Provides architectural advice and
architectural drawings. This class does
Provides architectural advice and
architectural drawings. Not to include
not include risks engaged in actual risks engaged in actual construction
construction operations. Professional operations, Professional Liability
Liability Excluded. excluded. Any habitational occupancy,
Refer to Company.
Office: Escrow Agency 131324 061223 OFFC
l X l l l l l Financial Services Exclusion.
applies. Professional Liability excluded.
Office: Estate/Financial Planning and

Management
131326 061226 OFFC
l X l l l l l Personal and Advertising Injury
Exclusion. Financial Services Exclusion.
Professional Liability Excluded. and Personal and Advertising Injury
Exclusion apply. Professional Liability
excluded.
Office: Family Practice 131328 066561 OFFC
Company.
Office: Geneticist 131330 066561 OFFC
l X q q l l l Sexual Molestation Exclusion. Sexual Molestation exclusion.
Company.
Office: Graphic Design and Commercial
Artist
131332 041677 OFFC
l X l l l l l Designs artwork for others including
letterhead, greeting card designs and
Designs artwork for others including
letterhead, greeting card designs and
logos, etc. This class does not include logos, etc. Not to include printing. Any
printing. habitational occupancy, Refer to
Company.
Office: Gynecologist 131334 066561 OFFC
Company.
Office: Hearing Aid Service 131336 013759 OFFC
l X l l l l l Professional Liability is available. Any habitational occupancy, Refer to
Company.
Office: Insurance Agent 131338 045334 OFFC
l X l l l l l Insurance and Related Operations
Exclusion. Professional Liability
Risks operating as independent
insurance agents. Any habitational
Excluded. occupancy, Refer to Company.
Insurance and Related Operations
Exclusion applies. Professional Liability
excluded.
Office: Internal Medicine 131340 066561 OFFC
Company.
Office: Lawyers Office 131342 066122 OFFC
l X l l l l l Risks that provide Legal advice.
Risks that provide legal advice. Any
Employment Practices Liability Excluded. Company. Professional Liability excluded.
Employment Practices Liability not
available.
Office: Market Research Firm 131344 046112 OFFC
l X l l l l l Collects data to determine market trends.
Collects data to determine market trends.
Company. Professional Liability excluded.

Auto
Code
Office: Medical Billing Service 131346 061226 OFFC
l X l l l l l Provides billing services to medical and
professional offices on a contract basis.
Provides billing services to medical and
professional offices on a contract basis.
Collection agencies/operations are not Any habitational occupancy, Refer to
eligible. Personal and Advertising Injury Company. Personal and Advertising
Exclusion. Professional Liability Injury Exclusion applies. Professional
Excluded. Liability excluded.
Office: Medical, NOC 131348 066561 OFFC

l X l l l l l Medical offices where the operations on
premises do not include the following:
Any habitational occupancy, refer to
Company.
Any premises that are used by
ambulance services, any short term or
long term rehabilitation facilities, any
premises used for inpatient/outpatient
surgical procedures, any premises that
include physical therapy services, any
premises that include an ambulatory
center, any premises used for
emergency, any holistic health centers.
Professional Liability Excluded (except
for Hearing Aid and Opticians where
professional liability is available.) Refer
to Company if the specific medical office
is not listed. Sexual Molestation
Exclusion.
Office: Mortgage Broker 131350 061223 OFFC

l X l l l l l This class does not include mortgage
bankers, banks, building and loan
Operations usual to the arranging of
mortgages. Primarily provides
institutions, loan operations, finance mortgages to buyers of residential
companies or any operations involving property and refinancing existing
the holding or possession of property. residential mortgages. Any habitational
Personal and Advertising Injury occupancy, Refer to Company. Personal
Exclusion. Financial Services Exclusion. and Advertising Injury Exclusion applies.
Professional Liability Excluded. Professional Liability excluded.
Office: Neurologist 131352 066561 OFFC

l X q q l l l Sexual Molestation Exclusion. Any habitational occupancy, Refer to
Professional Liability Excluded. Company. Sexual Molestation exclusion.
Office: Notary Public 131356 061226 OFFC

l X q q l l l Personal and Advertising Injury Any habitational occupancy, Refer to
Exclusion. Financial Services Exclusion. Company. Financial Services Exclusion
applies. Personal and Advertising
exclusion.
Office: NOC 131354 061226 OFFC
l X q q l l l Refer to Company.
Office: Obstetrician 131358 066561 OFFC

Company.
Office: Oncologist 131360 066561 OFFC
Company.
Office: Ophthalmologist 131362 066561 OFFC
l X q q l l l Ophthalmologists are specialists in Sexual Molestation Exclusion.
medical and surgical eye problems that Professional Liability Excluded. Any
perform eye surgery. Sexual Molestation habitational occupancy, Refer to
Exclusion. Professional Liability Company.
Excluded.
Office: Optician 131364 015839 OFFC
l X l l l l l Opticians design, fit, and dispense
lenses for the correction of a persons
Company.
vision. Professional Liability is available
as an option.

Auto
Code
Office: Optometrists 131365 015839 OFFC
l X l l l l l Optometrists prescribe and fit lenses to
improve vision and they diagnose and
Company.
treat various eye diseases. Professional
Liability is available as an option. Surgical
procedures (including laser) are
excluded.
Office: Orthopedic Surgeon 131366 066561 OFFC
Company.
Office: Pathologist 131368 066561 OFFC
Company.
Office: Payroll Accounting Service 061226 X X q q q q q
Office: Pediatrician 131370 066561 OFFC
Company.
Office: Podiatrist 131372 066561 OFFC
Company.
Office: Psychiatrist 131374 066561 OFFC
Company.
Office: Psychologist 131376 066561 OFFC
Company.
Office: Radiologist 131378 066561 OFFC
l X q q l l l Sexual Molestation Exclusion. Any habitational occupancy, Refer to
Professional Liability Excluded. Company. Sexual Molestation exclusion.
INELIGIBLE: Imaging Centers.
Office: Real Estate Agent 131380 047050 OFFC
l X l l l q l This class does not include commercial This class does not include commercial
real estate (unless incidental up to 10%), real estate (unless incidental up to 10%),
real estate management operations or real estate management operations or
real estate agents that also act as a real estate agents that also act as a
property manager. Hired or Non-Owned property manager. Any habitational
Auto coverage is not available. Real occupancy, Refer to Company.
Estate Operations Limitation of
Coverage.
Office: Speech Therapist 131382 066561 OFFC

l X q q l l l Not to include medical offices or Not to include medical offices or
operations with physicians/nurses. operations with physicians/nurses. Any
Sexual Molestation Exclusion. habitational occupancy, Refer to
Professional Liability Excluded. Company. Sexual Molestation Exclusion.
Office: Stockbroker 131384 061226 OFFC

l X q q l l l Financial Services Exclusion. Any habitational occupancy, Refer to
Professional Liability Excluded. Company. Financial Services Exclusion.
Professional Liability excluded.
Office: Surgeon 131386 066561 OFFC

l X q q l l l Office only. This class does not include Not to include medical offices or
surgical procedures. Sexual Molestation operations with physicians/nurses. Any
Exclusion. Professional Liability habitational occupancy, Refer to
Excluded. Company. Sexual Molestation Exclusion.

Auto
Code
Office: Tax Preparation Service 131388 041677 OFFC
l X l l l l l This class does not include employee
leasing or sub-contractors, accountants,
Provides tax return preparation services.
Not to include accountants, auditors or
auditors or bookkeepers. Professional bookkeepers. Any habitational
Liability Excluded. Financial Services occupancy, Refer to Company.
Exclusion. Professional Liability excluded. Financial
services exclusion.
Office: Ticket Agency 131390 068439 OFFC

l X l l l l l Internet sales must be 35% or less of the
operation. If events are sponsored the
Internet sales must be 35% or less of the
operation. If events are sponsored the
risk is ineligible. risk is ineligible. Any habitational
Office: Title Agent 131392 045334 OFFC

l X l l l l l Risks engaged in searching public
records for titles and liens against
Risks engaged in searching public
records for titles and liens against
property. Preparing title abstracts, property. Preparing title abstracts,
issuing titles and performing real estate issuing titles and performing real estate
closings. This class is not intended to closings. Not to include lawyers or real
include lawyers or real estate agents. estate agents. Any habitational
Office: Translator 131394 061226 OFFC

l X q q l l l Class includes risks that provide written Class includes risks that provide written
and/or verbal communications. and/or verbal communications. Any
Professional Liability Excluded. habitational occupancy, Refer to
Company. Professional Liability excluded.
Office: Travel Agent 131396 061226 OFFC

l X l l l l l This class does not include tour
operations. Professional Liability
No organizing, operating or sponsoring of
tours. Any habitational occupancy, Refer
Excluded. Professional Liability to Company. Professional Liability
excluded. excluded.
Office: Urologist 131398 066561 OFFC
Company.
Office: Website Designer 131400 096930 OFFC
l X q q l l l Must have evidence of Professional Any habitational occupancy, Refer to
Liability Coverage. Website Designers' Company. Website Designers'
Office: Word Processing Service 131402 061226 OFFC

l X l l l l l Risks that provide word processing
services. This class does not include
Risks that provide word processing
services. Not to include publishing
employee leasing or publishing operations. Any habitational occupancy,
operations. Refer to Company.
Optical Goods 131404 015839 SERV
l X l l l l l Professional Liability is available. Any habitational occupancy, Refer to
Company.
Optical Goods - Wholesale 131406 012362 WHLS
l X l l l l l Any habitational occupancy, Refer to
Company.
Paint, Wallpaper or Wallcovering 131408 015991 RETL
l X l l l l l This class does not include rental of
scaffolding or ladders. Rental of other
This class does not include rental of
products must be less than 25% of the products must be less than 25% of the
total receipts. Businesses must not total receipts. Over 30% subcontracting
exceed 25% of the total receipts from work, Refer to Company.
painting or wallpapering. For businesses
with more than 25% of the total receipts
from installation, service or repair, refer
to the Retail/Installation segment where a
charge can be made.

Auto
Code
Paint, Wallpaper or Wallcovering -
Wholesale
131410 012362 WHLS
l X l l l l l This class does not include rental of
This class does not include rental of
products must be less than 25% of the products must be less than 25% of the
total receipts. No installation or painting total receipts. Over 30% subcontracting
operations are eligible. work, Refer to Company.
Painting - Exterior Buildings or Structures 098304 X X l q q l q Class not available in New York.
- Not Exceeding Three Stories in Height
Painting - Shop Only 098308 X X q l q l l

Painting and Paperhanging 132025 098305 CONT
l X l l l l l TARGET: Interior/exterior painting and
paperhanging. INELIGIBLE: Bridge
TARGET: Interior/exterior painting and
paperhanging. INELIGIBLE: Bridge
painting, tower painting, traffic and road painting, traffic and road markings,
markings, abrasive blasting or burning sandblasting or burning operations,
operations, high pressure cleaning, exterior work over 2 1/2 stories,
waterproofing, exterior work over 2 1/2 hazardous materials abatement work,
stories, hazardous materials abatement and rental or loaning of scaffolds to
work, and rental or loaning of scaffolds to others. Hot Tar Exclusion applies. $250
others. Hot Tar Exclusion applies. $250 Property Damage deductible applies.
Property Damage deductible applies.
Painting, Picture or Frame Stores 015993 X X l l l l l

Paper Goods Manufacturing 057725 X X q q X q q
Paper, Paper Products and Party
Supplies
131414 018335 RETL
l X l l l l l This class does not include distribution of
amusement devices or equipment, or
This class does not include distribution of
amusement devices or equipment, or
rental of tents, tables, chairs, etc. This rental of tents, tables, chairs, etc. This
class is exclusively for stores selling party class is exclusively for stores selling party
supplies, greeting cards and stationery. supplies, greeting cards and stationery.
Bulk paper and packaging material Bulk paper and packaging material
suppliers are not eligible. suppliers are not eligible. Burglar and Fire
Alarm recommended.
Paper, Paper Products and Party 131416 016005 WHLS

l X q l l l l This class does not include distribution of This class does not include distribution of
Supplies - Wholesale amusement devices or equipment, or amusement devices or equipment, or
rental of tents, tables, chairs, etc. This rental of tents, tables, chairs, etc. This
class is exclusively for stores selling party class is exclusively for stores selling party
supplies, greeting cards and stationery. supplies, greeting cards and stationery.
Bulk paper and packaging material Bulk paper and packaging material
suppliers are not eligible. suppliers are not eligible. Burglar and Fire
Alarm recommended.
Paperhanging 098344 X X l l q l l This class does not include distribution of This class does not include distribution of
amusement devices or equipment, or amusement devices or equipment, or
rental of tents, tables, chairs, etc. rental of tents, tables, chairs, etc.
Parades 046590 X X X X X X X
Parking - private 046622 X X q q q q q
Parking - public - not open air 046603 X X q q q q q
Parking - public - open air 046604 X X q q q q q
Parking - public - shopping centers - 046607 X X q q q q q
maintained by the insured (Lessors Risk
only)
Parking - public - shopping centers - 046606 X X q q q q q
maintained by the lessee (Lessors Risk
only)

Auto
Code
Parks or Playgrounds 046671 X X X X X X X
Pattern Manufacturing - Metal 057808 X X q q X q q
Pattern Manufacturing - Paper 057810 X X q q X q q
Pattern Manufacturing, NOC 057809 X X q q X q q
Pest Control Services 043470 X X X X X l X
Pet Day Care 131418 016404 SERV
l X q q q l l
Pet Grooming 131420 016402 SERV
l X l l q l l Professional Liability is required. No Professional Liability is required. No
mobile pet grooming. mobile pet grooming.
Pet Store 131422 016403 RETL
l X l l q l l This class does not include kennels, This class does not include kennels,
boarding, or breeding. No bulk sale of boarding, or breeding. No bulk sale of
hay, grain or feed intended for use with hay, grain or feed intended for use with
livestock. Incidental grooming (up to livestock. Incidental grooming (up to
30%) is acceptable. Pet Groomers 30%) is acceptable.
Professional Liability is available as an
option.
Pet Supplies 131424 016403 RETL
l X l l l l l
Pet Supplies - Wholesale 131426 012362 WHLS
l X l l l l l This class does not include hay, grain or
feed distributors.
This class does not include hay, grain or
feed distributors.
Pet Training 131428 016404 SERV
l X l l q l l
Photo Finishing 131430 057997 SERV
l X l l l l l
Photographer/Videographer 131432 016471 SERV
l X l l l l l Includes videographer and studios.
Burglar and Fire Alarm recommended.
Includes videographer and studios.
INELIGIBLE: Operations which utilize INELIGIBLE: Operations which utilize
drones. drones.
Piano Tuning 098405 X X l l l l l
Picnic Grounds - Commercially Operated 046773 X X X X X q X
Pictures or Frames 131434 015993 RETL
l X l l l l l
Pictures or Frames - Wholesale 131436 012362 WHLS
l X l l l l l Burglar and Fire Alarm recommended. Central Station Burglar and Fire Alarm
recommended.
Pizza Shop - Ovens Only 131438 010100 FOOD
l X l l l q l No seating. Hired and non-owned auto Hired and non-owned liability not This class does not include the serving of Hired and Non-Owned Auto Liability. Not
coverage is not available if delivery. If available if delivery. alcoholic beverages or table service. Available if Delivery.
alcoholic beverages are sold or served, Cooking may not include grills or deep fat
Liquor Liability coverage is required. fryers. Hired and Non-Owned Liability
Receipts for alcoholic beverages cannot not available if delivery.
exceed 30% of total receipts.
Pizza Shop - With Cooking - without 131440 016902 FOOD

l X l l l q l No seating. Must comply with NFPA Hired and non-owned liability not Must comply with NFPA Code 96. Hired and Non-Owned Liability not
seating Code 96. Hired and non-owned auto available if delivery. Available if Delivery.
coverage is not available if delivery. If
alcoholic beverages are sold or served,
Liquor Liability coverage is required.
Receipts for alcoholic beverages cannot
Pizza Shop - With Cooking - without table 131442 016901 FOOD

l X l l l q l No waitress/waiters serving customers at Hired and non-owned liability not Must comply with NFPA Code 96. Hired and Non-Owned Liability not
service - with seating their table. Must comply with NFPA available if delivery. Available if Delivery.
Code 96. Hired and Non-owned Auto
coverage is not available if delivery. If
alcoholic beverages are sold or served,
Liquor Liability coverage is required.
Receipts for alcoholic beverages cannot

Auto
Code
Plant and Greenery Services 131444 015699 SERV
l X l l q l l Includes interior plant care services, plant
rental, interior plantscape design and
maintenance. Does not include nurseries.
Plaster and Stucco 132026 098449 CONT

l X l l q l l TARGET: Residential type plaster and No work involving EIFS - Exterior
stucco application and/or repair. No work Finishing Systems. No exterior work over
involving EIFS - Exterior Finishing 2 1/2 stories.
Systems. No exterior work.
Plastic or Rubber Supply Goods 016501 X X q l q l l
Distributors
Plumbing 132027 098483 CONT
l X l l l l l TARGET: Plumbing installation, service
and repair. INELIGIBLE: Industrial
TARGET: Plumbing installation, service
and repair. INELIGIBLE: Industrial
work, fire protection or automatic work, fire protection or sprinkler, fire lines
sprinkler, fire lines or standpipes. Work or standpipes. Work on irrigation systems
on irrigation systems (for Lawn Sprinkler (for Lawn Sprinkler work refer to the
work refer to the Lawn Sprinkler Lawn Sprinkler Installation Class),
Installation Class), municipal work, no municipal work, no high pressure boiler
high pressure boiler work. High pressure work. High pressure boilers operate at
boilers operate at pressure greater than pressure greater than 15 PSI for steam
15 PSI for steam or 30 PSI for hot water. or 30 PSI for hot water. No work at water
No work at water treatment or waste treatment of waste disposal facilities.
disposal facilities. This class does not
include work on wood or pellet stoves.
No LPG, butane or propane gas tank or
line work. No asbestos or hazardous
materials abatement work.
Plumbing - Commercial and Industrial 098482 X X l q q l q No Fire Protection or Sprinkler System

work. No installation, service or repair on
solar energy systems or equipment.
Plumbing Fixtures Manufacturing 058095 X X q q X q q

Plumbing Supplies and Fixtures 131446 016527 RETL
l X l l l l l This class Includes up to 25% installation
and rental, and up to 15% used parts.
This class Includes up to 25% installation
and rental, and up to 15% used parts.
For business with more than 25% of the Burglar Alarm recommended.
total receipts from installation, service or
repair, refer to the Retail/Installation
Plumbing Supplies and Fixtures - 131448 016527 WHLS

l X q q l l l This class includes up to 25% installation This class includes up to 25% installation
Wholesale and rental, and up to 15% used parts. and rental, and up to 15% used parts.
Plumbing Supplies Manufacturing, NOC 058096 X X q q X q q

Prefabricated Building Erection 098502 X X X X X X X
Printers or Electrotypers Supplies
Distributors
016588 X X l l l l l
Printing 131452 058408 SERV
l X l l l l l This class is available for risks with up to
25 employees and less than 2,500
Printers Errors and Omissions coverage
is required. Ineligible Operations: 3D
square feet. Printing presses must be printing.
valued at less than $500,000. Printers
Errors and Omissions coverage is
required. Ineligible Operations: 3D
printing.
Printing Supplies 131454 016588 RETL
recommended.

Auto
Code
Printing Supplies - Wholesale 131456 016588 WHLS
l X q l q l l Burglar and Fire Alarm recommended. Central Station Burglar and Fire Alarm
recommended.
Produce Handling or Packing 016604 X X l l X l l
Professional and Trade Associations - 046881 X X l q q l q
No Buildings or Premises Owned or
Leased Except as Offices
Race Tracks - motorized vehicles - 046911 X X X X X X X
operators
sponsor's risk only
Lessors Risk only
Race Tracks - operators 046912 X X X X X X X
Racing - Lessors Risk only 046914 X X X X X X X
Racquet Sports and Handball Facilities - 016670 X X X X X X X
Commercially Operated
Radio/TV Broadcasting Stations 098597 X X X X X X X
Real Estate Development Property 047051 X X X q X q q
Real Estate Property Managed 047052 X X X X X q X
Recreational Vehicle Dealers 016694 X X X X X X X
Recycling Collection Centers 047146 X X X X X X X
Refreshment Stand/Juice Bar 131458 011168 FOOD
l X l l l l l This class does not include cooking or
any seasonal operations.
This class does not include cooking or
any seasonal operations.
Refrigeration Equipment 131460 016705 RETL
l X l l q l l This class is intended for primarily This class is intended for primarily
household refrigeration systems and household refrigeration systems and
equipment. Also, includes up to 25% equipment. Also, includes up to 25%
commercial and up to 25% installation. commercial and up to 25% installation.
For businesses with more than 25% of Burglar and Fire Alarm recommended.
the total receipts from installation, service
or repair, refer to the Retail/Installation
Refrigeration Equipment - Wholesale 131462 016705 WHLS

l X q q q l l This class is intended for primarily This class is intended for primarily
household refrigeration systems and household refrigeration systems and
equipment. Also, includes up to 25% equipment. Also, includes up to 25%
commercial and up to 25% installation. commercial and up to 25% installation.
Refrigeration Systems or Equipment - 098636 X X q q q l q

Dealers and Distributors and Installation,
Servicing or Repair - Commercial
Religious Supplies 131466 018437 RETL

l X l l l l l
Religious Supplies - Wholesale 131468 012362 WHLS
l X l l l l l
Renovating - Outside Surfaces of 098640 X X X X X q X
Buildings
Rental Stores - Machinery or Equipment, 016723 X X X X X X X
Rented to Others on a Long Term Basis
Rental Stores, NOC 016722 X X X X X q X

Auto
Code
Restaurant and Bar Supplies 131470 012467 RETL
l X l l l l l This class does not include sales of
refurbished or used appliances. Includes
This class does not include sales of
up to 30% rental and up to 30% up to 30% rental and up to 30%
installation. Burglar and Fire Alarm installation. Burglar and Fire Alarm
Restaurant and Bar Supplies - Wholesale 131472 012467 WHLS
l X l l l l l This class does not include sales of
This class does not include sales of
up to 30% rental and up to 30% up to 30% rental and up to 30%
installation. Burglar and Fire Alarm installation. Burglar and Fire Alarm
Restaurants - with no sale of alcoholic 016900 X X q q q l q Must comply with NFPA Code 96.
beverages - with table service
Restaurants - with no sale of alcoholic 016902 X X q q q l q Must comply with NFPA Code 96.
beverages - without seating
Restaurants - with no sale of alcoholic 016901 X X q q q l q Must comply with NFPA Code 96
beverages - without table service with
seating
Restaurants - with sale of alcoholic 016910 X X q q q l q Must comply with NFPA Code 96.
beverages that are less than 30% of the
annual receipts of the restaurants - with
table service
Restaurants - with sale of alcoholic 016911 X X q q q l q Must comply with NFPA Code 96.
beverages that are less than 30% of the
annual receipts of the restaurants -
without table service with seating
Restaurants - with sale of alcoholic 016915 X X q q q l q Must comply with NFPA Code 96
beverages that are 30% or more of but
less than 75% of the total annual receipts
of the restaurants - with dance floor
Restaurants - with sale of alcoholic 016916 X X q q q l q Must comply with NFPA Code 96
beverages that are 30% or more of but
less than 75% of the total annual receipts
of the restaurants - without dance floor
Restaurants - with sale of alcoholic 016940 X X X X X X X

beverages that are 75% or more of total
annual receipts of the restaurants - bar
service only (no tables): with dance floor

annual receipts of the restaurants - bar
service only (no tables): without dance
floor
tables - with dance floor: no table service

tables - with dance floor: table service

tables - without dance floor: no table
service

Auto
Code
tables - without dance floor: table service
Restaurants - Bring your own alcohol - 016905 X X q q q l q

with no sale of alcoholic beverages - with
table service
Restaurants - Bring your own alcohol - 016906 X X q q q l q
with no sale of alcoholic beverages -
without table service - with seating
Rigging - Not Ship or Boat 098658 X X X X X X X
Roofing - Commercial 098677 X X X X X q X
Roofing - Residential 098678 X X X X X q X
Rubber Stamp Manufacturing or 058759 X X q q q l q
Assembling
Sail Making 058822 X X X X X q X
Sales or Service Organizations 047367 X X l q q l q
Sand or Gravel Digging 098710 X X q q X X X
Sandblasting 098705 X X X X X q X
Saunas and Baths - Public 047420 X X X X X X X
Saw Mills or Planing Mills 058873 X X X X X X X
Schools - colleges, universities, junior 067509 X X X X X X X
colleges or college preparatory Not-For-
Profit only
Schools - colleges, universities, junior 067508 X X X X X X X
colleges or college preparatory Other
than Not-For-Profit
Schools - correspondence 047468 X X X X X X X
Schools - dormitory facilities - Not-For- 067511 X X X X X X X
Profit only
Schools - dormitory facilities - Other than 067510 X X X X X X X
Not-For-Profit
Schools - faculty liability for corporal 047469 X X X X X X X
punishment of students
Schools - private - elementary, 047476 X X X X X X X
kindergarten or junior high - Not-For-
Profit only
Schools - private - elementary, 047475 X X X X X X X
kindergarten or junior high - Other than
Not-For-Profit
Schools - private - high - Not-For-Profit 047478 X X X X X X X
only
Schools - private - high - Other than Not- 047477 X X X X X X X
For-Profit
Schools - public - elementary, 047471 X X X X X X X
kindergarten or junior high
Schools - public - high 047473 X X X X X X X
Schools - trade or vocational 047474 X X X X X X X
Schools - Not-For-Profit only 067513 X X X X X X X
Schools - Other than Not-For-Profit 067512 X X X X X X X
Screen Printing 131474 059722 SERV
l X l l l l l Includes Silk Screening and Embroidery.
Printers' Errors & Omissions is available
as an option.

Auto
Code
Screen Printing - Wholesale 131476 059722 WHLS
l X l l l l l
Secondhand or Salvage Dealers and 016881 X X X X X X X
Distributors
Septic Tank Systems - Cleaning 132028 098805 CONT
l X l l l l l TARGET: Contractors involved in the
cleaning of residential septic tanks and
Contractors involved in the cleaning of
residential septic tanks and the disposal
the disposal of septic waste. These of septic waste. INELIGIBLE:
contractors will pump waste from Operations involved in cleaning of non-
underground septic tanks into a truck residential septic tanks and systems.
tank for transportation and disposal at a Ineligible: No handling of chemical or
municipal sewage treatment plant. All industrial waste. No land application
dumping must be at sites which are disposals. Contractor who own or
regulated waste water treatment plants. operate a dumping facility or location. No
INELIGIBLE: Operations involved in underground work greater than 12 feet.
cleaning of non-residential septic tanks No more than 10% municipal work.
and systems. No handling of chemical or
industrial waste. No land application
disposals. Contractor who own or
operate a dumping facility or location. No
underground work greater than 12 feet.
No more than 10% portable toilet rental.
No more than 10% municipal work.
Septic Tank Systems - Installation, 098806 X X q q q l q

Servicing or Repair
Sewer Cleaning 098813 X X X X X l X
Sewer Mains or Connections 098820 X X X X X X X
Construction
Sewing Machines and Accessories 131478 010042 RETL
l X l l l l l This class includes repair. This class includes repair.
Sewing Machines and Accessories -

Wholesale
131480 012362 WHLS
l X l l l l l This class includes repair. This class includes repair.
Sheet Metal Work 132029 098884 CONT

l X l l q l l TARGET: Installation or repair of sheet
metal such as duct work (included
fabrication). Air conditioning and heating
system work may be written as a
separate class. INELIGIBLE: Hood and
vent system design to carry vapors,
fumes and dust from non-residential
occupancies (restaurants, medical
facilities or spray booths), industrial work,
exterior work over 2 1/2 stories, shop
work only, roofing work, gutter
installation. No duct work for commercial
equipment.
Sheet Metal Work - Outside 098884 X X X X X l X

Auto
Code
Sheet Metal Work - Shop Only 058922 X X l l q l l TARGET: Installation or repair of sheet
metal such as duct work (included
fabrication). Air conditioning and heating
system work may be written as a
separate class. INELIGIBLE: Hood and
vent system design to carry vapors,
fumes and dust from non-residential
occupancies (restaurants, medical
facilities or spray booths), industrial work,
exterior work over 2 1/2 stories, shop
work only, roofing work, gutter
installation. No duct work for commercial
equipment.
Shelters, Mission, Settlement or Halfway 067017 X X X X X X X

Houses - Not Church or Office Buildings
Ship Chandler Stores 018078 X X X X X l X

Shoe Repair 018109 X X l l l l l
Shoe Store 131482 018110 RETL
l X l l l l l Shoe repair operations are eligible.
Shoe Store - Wholesale 131484 012362 WHLS

l X l l l l l Central Station Burglar and Fire Alarm
recommended.
Central Station Burglar and Fire Alarm
recommended.
Shop - Work shop in connection with 132034 068706 CONT
l X l q X l l Work Shops leased, operated or owned Work Shops leased, operated or owned
Contracting operation. by the insured are eligible. Buildings may by the insured are eligible. Buildings may
be covered up to 5,000 square feet. be covered up to 5,000 square feet.
This class is not intended for self storage This class is not intended for self storage
or mini-warehouse operations. For or mini-warehouse operations. For
cabinet makers, shops must meet NFPA cabinet makers, shops must meet NFPA
Code 664 (Woodworking Facilities) and Code 664 (Woodworking Facilities) and
NFPA Code 33 (Spray Painting - if NFPA Code 33 (Spray Painting - if
applicable). applicable).
Shopping Centers - Buildings or 067635 X X q q q q q Strip shopping center only.

Premises Not Occupied by Insured -
Lessors Risk Only
Shopping Centers - Indoor Malls - 067634 X X X X X q X Strip shopping center only.
Buildings or Premises Not Occupied by
the Insured - Lessors Risk Only
Siding Installation 132030 098967 CONT
l X q q X l l TARGET: Installation of vinyl or Installation of vinyl or aluminum siding
aluminum siding and gutters. and gutters. INELIGIBLE: Exterior work
INELIGIBLE: Roofing work, exterior over 2 1/2 stories, roofing work, exterior
cleaning of buildings (power washing, cleaning of building (power washing,
burning and sandblasting). Class not burning and sandblasting), hazardous
available in New York. materials abatement work. Exterior
Insulation Finishing System (EIFS) work.
Sign Erection, Installation or Repair 098993 X X q q X q q

Sign Manufacturing - Electrical 059057 X X q q X q q
Sign Manufacturing, NOC 059058 X X q q X q q
Sign Painting or Lettering - Inside of 099003 X X q q q q q
Buildings
Sign Painting or Lettering - On Buildings 099004 X X q q X q q
or Structures
Skating Rink - Ice 048177 X X X X X X X
Skating Rink - Roller 048178 X X X X X X X

Auto
Code
Snow and Ice Removal 132037 099310 CONT
l X q q q q l This class can only be written with TARGET: Contractors responsible for No commercial plowing. No snow and ice
another eligible contractor class. Snow removing snow and ice from residential removal from streets, roads and parking
Plowing Supplemental Questionnaire MU driveways and sidewalks either by hand, lots.
79 96 is required. TARGET: Contractors shovel on the front of a truck or
responsible for removing snow and ice machinery. INELIGIBLE: Snow and ice
from driveways and sidewalks of removal from streets, roads and parking
residential 1-4 family single dwelling lots. No commercial snow plowing.
units, either by hand, mechanical device
or shovel on the front of a truck or
machinery. Snow or ice removal with
light or medium vehicles at commercial
properties such as offices and single
occupant commercial buildings is
acceptable.
INELIGIBLE: Snow and ice removal
from multiple unit (> 4 units) or multiple
building apartments, condos,
associations, row houses, townhouses,
public streets, roads, strip plazas,
grocery stores or other high traffic areas.
Social Gatherings and Meetings - On 048557 X X X X X X X

Premises Not Owned or Operated by
Insured
Social Services - Consulting Services 048600 X X X X X X X
Only - Operated by the Private Sector
Solar Energy Contractors 099080 X X X X X l X

Sporting Goods or Athletic Equipment - 018205 X X q q q q q
Distributors
Sporting Goods or Athletic Equipment 018206 X X l q l l q
Stores
Stone Cutting or Polishing 059482 X X l l q l l
Storage Building - in connection with a 131496 068706 FOOD
l X q q q l l Storage Building leased, operated or
food occupancy owned by the insured and incidental to a
MAP class are eligible. The rate is based
on the Business Personal Property
stored. This class is not intended for self
storage or mini-warehouse operations.
Adequate fire and theft detection is
required. for Business Personal Property,
use class code for the property stored.
Storage Building - in connection with a 131488 068706 RETL

l X q q q l l Storage buildings leased, operated or
retail occupancy owned by the insured and incidental to a
MAP class are eligible. Buildings may be
covered up to 5,000 square feet. The
rate is based on the Business Personal
Property stored. This class is not
intended for self storage or mini-
warehouse operations. Adequate fire
and theft detection is required. For
Business Personal Property, use class
code for the property stored.

Auto
Code
Storage Building - in connection with a 131490 068706 SERV
service occupancy owned by the insured and incidental to a
Storage Building - in connection with a 131492 068706 WHLS

wholesale occupancy owned by the insured and incidental to a
Storage Building - in connection with an 131494 068706 OFFC

office occupancy owned by the insured and incidental to a
Storage Building - in connection with 131486 068706 LSRO

Lessors Risk occupancy owned by the insured and incidental to a
Storage/Retail Building - in connection 132033 068706 CONT

l X q q q l l Storage Building leased, operated or
with a Contractors occupancy owned by the insured are eligible.
Buildings may be covered up to 5,000
square feet. This class is not intended
for self storage or mini-warehouse
operations.
Stores - Food or Drink, NOC 018435 X X q q q q q
Stores - No Food or Drink, NOC 018437 X X q q q q q
Street or Road Construction or 099315 X X X X X q X
Reconstruction
Street or Road Paving or Repaving, 099321 X X X X X q X
Surfacing or Resurfacing or Scraping

Auto
Code
Street Cleaning/Snow Removal 099303 X X q q q q q See Snow and Ice Removal.
Subcontracted Work - in connection with 132036 091581 CONT
l X q q q l l Subcontracting must be 30% or less of Subcontracting must be 30% or less of
construction, reconstruction, erection or the receipts from installation. the receipts from installation.
repair
Subcontracted Work - in connection with 131498 091581 LSRO
repair - not buildings
Subcontracted Work - in connection with 131500 091581 FOOD
Subcontracted Work - in connection with 131502 091581 RETL
Subcontracted Work - in connection with 131504 091581 WHLS
Subcontracted Work - in connection with 131506 091581 SERV
Subcontracted Work - in connection with 131508 091581 OFFC
Sun Tanning Salons 048808 X X X X X q X
Sunglasses 131510 015839 RETL
recommended.
Sunglasses - Wholesale 131512 015839 WHLS
recommended.
Supermarkets 018501 X X q q q q q
Surveyors - Land - Not Engaged in
Actual Construction
099471 X X l l l l l See OFFICE - ENGINEERS
Swimming Pool Servicing 132042 099505 CONT

l X q q q l q Risks that provide routine maintenance
services of residential swimming pools,
hot tubs or spas. Routine maintenance
includes cleaning, vacuuming, skimming
and skimmer basket cleaning,
maintaining proper chemical levels,
incidental repair of filter or pump systems
and seasonal opening or closing of the
pool. (Removal and reinstallation of
diving boards is acceptable in
conjunction with routine maintenance).
INELIGIBLE SERVICES: Pool installation
contractors. Risks that install, repair or
replace alarms, safety gates/latches or
fencing.
Swimming Pools 048925 X X X X X l X

Swimming Pools - Commercially
Operated
048924 X X X X X l X
Swimming Pools - Installation, Servicing 099506 X X q q X l q Residential only. No diving board
or Repair - Above Ground installation. Over 30% subcontracting
work. Refer to company.
Swimming Pools - Installation, Servicing 099507 X X q q X l q Residential only. No diving board
or Repair - Below Ground installation. Over 30% subcontracting
work. Refer to company.
Tailoring or Dressmaking Service - 131514 018507 SERV
l X q l l l l Central Station Fire and Burglar Alarm
Custom recommended.
Tank Building or Manufacturing - Metal - 059660 X X X X X q X
Not Pressurized

Auto
Code
Tank Building or Manufacturing - Metal - 059661 X X X X X X X
Pressurized
Tank Construction, Installation, Erection 099570 X X X X X q X
or Repair - Metal - Not Pressurized
Tank Construction, Installation, Erection 099572 X X X X X q X

or Repair - Metal - Not Pressurized -
Within Buildings Exclusively
Tank Construction, Installation, Erection 099571 X X X X X X X

or Repair - Metal - Pressurized
Tank Construction, Installation, Erection 099573 X X X X X X X

or Repair - Metal - Pressurized - Within
Buildings Exclusively
Tattoo Parlors 018570 X X X X X X X

Taxidermist 131516 049005 SERV
l X l l l l l Applies to licensed (state and federal,
when required) taxidermy operations with
Applies to licensed (state and federal,
when required) taxidermy operations with
limited tanning of animal hides. Sales of limited tanning of animal hides. Sales of
hunting/fishing equipment must be hunting/fishing equipment must be
incidental. incidental.
Telecommunication Equipment Providers 018575 X X X X X q X

Telecommunication Service Providers 099600 X X X X X X X
Tent or Canvas Goods - Erection,
Removal or Repair - Away From Shop
099709 X X X X X l X
Tents or Canopies - Loaned or Rented to 049111 X X q q q l q

Others
Textile Products Manufacturing - 059725 X X X X X q X
Fabricated
Textile Spinning, Weaving or Knitting 059726 X X X X X q X
Mills
Theaters - drive-in 049181 X X X X X X X
Theaters - motion pictures 049183 X X X X X X X
Theaters - Not-For-Profit only 049185 X X X X X X X
Theaters - Other than Not-For-Profit only 049184 X X X X X X X
Theatrical Companies - Traveling 099718 X X X X X X X
Tile, Stone or Terrazzo Work 132031 099746 CONT
ceramic tile (walls and floors), stone
ceramic tile (walls and floors), stone
floors, patios and walkways. Masonry floors, patios and walkways. Masonry
(brick) work may be written as a separate (brick) work may be written as a separate
class. class. Over 30% subcontracting work.
Refer to Company.
Tire Dealers 018616 X X X X X X X

Tobacco Products Distributors 018707 X X X X X q X
Tobacco Products Stores 018708 X X q q q q q
Tool Manufacturing - Accessories, NOC 059781 X X X X X q X
Tool Manufacturing - Hand Type - Not 059782 X X X X X q X
Powered
Tool Manufacturing - Hand Type - 059783 X X X X X q X
Powered

Auto
Code
Tool Manufacturing - Power Equipment - 059784 X X X X X q X
Household Type - Outdoor or Workshop
Townhouses or Similar Associations 068500 X X X X X X X

(Association Risk Only)
Toy Store 131518 018834 RETL
motorized bikes or scooters, or any
This class does not include the sale of
motorized bikes or scooters, or any
rental. Central Station Burglar Alarm rental. Central Station Burglar Alarm
Toy Store - Wholesale 131520 018833 WHLS X X X X X X X
Toys or Games Manufacturing 059790 X X X X X q X
Trailer Dealer 019795 X X X X X X X
Trailer Rental 019796 X X X X X X X
Travel Agency Tours 049333 X X X X X X X
Tree Pruning, Dusting, Spraying, 099777 X X X X X q X
Repairing, Trimming or Fumigating
Truckers 099793 X X X X X X X
Uniform Store 131522 011127 RETL
l X l l l l l This class may include incidental
tailoring. Central Station Fire and Burglar
This class may include incidental
tailoring. Central Station Fire and Burglar
Alarm recommended. No Rentals. No Alarm recommended. Including Rentals.
laundering or dry cleaning for others. No laundering or dry cleaning for others.
Upholstering - Shop Only 099827 X X q l q l l

Upholstering, NOC 099826 X X q l q l l
Vacant Buildings - Not Factories 068606 X X X X X X X
Vacant Land 049451 X X X q X q q
Variety Stores 018911 X X q q q l q
Vending Machine Operations - 049617 X X q q q q q
Confection, Food, Beverage or Ice
Vending Machine Operations, NOC 049619 X X q q q q q
Vending Machines Operations - Tobacco 049618 X X X X X q X
Products
Veterinarian or Veterinary Hospital 131524 099851 SERV
l X l l q l l This class does not include kennels or This class does not include kennels or
breeding operations. No equine or exotic breeding operations. No equine or exotic
Animals. Central Station Burglar Alarm Animals. Central Station Burglar Alarm
recommended. Professional Liability is recommended. Professional Liability is
required. required.
Video and DVD 131526 018920 RETL
l X l l l l l No adult video stores. Includes rental
and up to 25% repair. Incidental Internet
No adult video stores. Includes rental
and up to 25% repair. Incidental Internet
sales up to 35%. Central Station Burglar sales up to 35%. Central Station Burglar
Alarm recommended. Alarm recommended.
Video and DVD - Wholesale 131528 012362 WHLS X X l l l l l

Warehouse - cold individual storage 049673 X X q q X q q
lockers
Warehouses 099938 X X q q X q q
Warehouses - cold storage - public 099917 X X q q X q q
Warehouses - mini-warehouses 018991 X X q q X q q
Warehouses - occupied by multiple 068702 X X q q X q q
interests (Lessors Risk only)
Warehouses - occupied by single interest 068703 X X q q X q q
(Lessors Risk only)

Auto
Code
Warehouses - private - other than Not- 068706 X X q q X q q
For-Profit
Warehouses - private - Not-For-Profit 068707 X X q q X q q
only
Washing Machines, Dryers or Irons - coin 019007 X X q q q q q
meter type
Watch or Watch Case Manufacturing 059923 X X q q q q q
Water Companies 099943 X X X X X X X
Water Mains or Connections 099946 X X X X X X X
Construction
Water Softening & Conditioning -
Equipment, Service & Supplies
131530 016527 SERV
l X l l X l l Household only. Less than 15%
chemical sales. Less than 25%
Household only.
installation.
Water Softening Equipment - Installation, 132032 099948 CONT
l X l l q l l TARGET: Contractors who install a Contractors who install a variety of
Servicing or Repair variety of products that are designed to products that are designed to filter or
filter or soften water for drinking and soften water for drinking and personal
personal use. INELIGIBLE: Contractors use. INELIGIBLE: Contractors who
who perform water treatment work for perform water treatment work for
commercial operations or municipal commercial operations or municipal
entities. No equipment rental to others. entities. No equipment rental to others.
$250 Property Damage deductible
applies.
Water Softening Equipment - Rented to 019051 X X X X X q X
Others
Waterproofing 099955 X X X X X q X
Waterproofing - by pressure apparatus 099952 X X X X X q X
Waterproofing - by trowel - exterior 099953 X X X X X q X
Waterproofing - by trowel - interior or 099954 X X X X X q X
insulation work
Welding or Cutting 099969 X X q q X q q Over 30% subcontracting work. Refer to
Company. No work from any height.
Refer to Company.
Wicker, Rattan, Willow or Twisted Fiber 059947 X X X X X X X
Products Manufacturing
Wigs and Hairpieces 131532 018437 RETL
l X l l l l l This class does not include hair weaving
or hair implants.
This class does not include hair weaving
or hair implants.
Wigs and Hairpieces - Wholesale 131534 012362 WHLS
l X l l l l l This class does not include hair weaving
or hair implants.
This class does not include hair weaving
or hair implants.
Wigs or Hairpieces Manufacturing 059955 X X X X X q X
Window Cleaning 099975 X X X X X l X
Window Decorating 049840 X X l l l l l
Window Treatment - Including Blinds and 131536 018437 RETL
l X l l q l l
Draperies
Window Treatment - Including Blinds and 131538 012362 WHLS
l X l l q l l
Draperies - Wholesale
Wire Cloth Manufacturing 059970 X X X X X q X
Wire Drawing 059973 X X X X X q X
Wire Goods Manufacturing, NOC 059975 X X X X X q X
Wire Rope or Cable Manufacturing - 059977 X X X X X q X
Metal
Wood Products Manufacturing, NOC 059985 X X q q X q q
Wood Turned Products Manufacturing, 059986 X X q q X q q
NOC
Wrecking - buildings or structures 099986 X X X X X X X

Auto
Code
Wrecking - dismantling of prefabricated 099987 X X X X X X X
dwellings not exceeding three stories for
re-erection
Wrecking - marine 099988 X X X X X X X

Youth Recreation Program 049890 X X X X X X X
YMCA, YWCA or Similar Institution 049870 X X X X X X X
Zoos or Aquarium 049902 X X X X X X X


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RISK APPETITE GUIDE

RISK APPETITE GUIDE

AUTOMOBILE ACCEPTABILITY MATRIX

Gross Vehicle Weight

Vehicle Usage .......................................... Most commercial, service or retail vehicles

Private Passenger Vehicles ............................... All

WHAT WE DON’T WANT

Air Conditioning and Heating Supplies 131000 013930 RETL

Air Conditioning and Heating Supplies -

Air Conditioning and Heating Work 132000 095647 CONT

Alarms and Alarm Systems - Installation,

Risk Appetite Guide - All States

Appliance Installation or Repair-

Appliance Store - Household Type 131008 010042 RETL

Appliance Store - Household Type -

Army and Navy Store 010060 X X X X X X X

Automobile Parts, Accessories and

Risk Appetite Guide - All States

Automobile Repair Shops - Self Service - 010075 X X X X X q X

Automobile Repair: Transmission

Risk Appetite Guide - All States

Bakery - Limited Cooking - Retail 131018 010100 FOOD

available if any delivery.

available if any delivery.

Beaches - Bathing - Not Commercially 040072 X X X X X X X

Beauty or Barber Shop Supplies 131028 011234 RETL

Beauty or Barber Shop Supplies - 131030 010111 WHLS

Beverage - Wholesale - Non-Alcoholic

Risk Appetite Guide - All States

Bicycle Stores - Sales and Servicing 010150 X X l X X l X

Books and Magazines 131038 010204 RETL

Books and Magazines - Wholesale 131040 012362 WHLS

Bowling Apparel and Accessories 131044 018206 RETL

Risk Appetite Guide - All States

Building - Lessors Risk - Office Only 131060 061212 LSRO

Building - Lessors Risk - Retail/Mixed 131066 061212 LSRO

Building - Lessors Risk- Office with up to 131062 061212 LSRO

Risk Appetite Guide - All States

Building or Premises - Bank 061223 X X X X X X X

Camera and Photographic Equipment 131068 010309 RETL

Carpentry Shop Only 091343 X X q q X q q

Risk Appetite Guide - All States

Carpet and Floor Covering 131084 012805 RETL

Carpet and Floor Covering - Wholesale 131086 012797 WHLS

Carpet, Rug and Upholstery Cleaning 132040 091404 CONT

Carpet, Rug, Furniture or Upholstery

Risk Appetite Guide - All States

Risk Appetite Guide - All States

Coffee, Tea or Spice 131110 018435 RETL

Computer Service or Repair 131114 091555 SERV

Computer Store 131116 011160 RETL

Computer Store - Wholesale 131118 012362 WHLS

Concessionaire - Limited Cooking (in

Concessionaire - With Cooking (in

Risk Appetite Guide - All States

Concrete Products Manufacturing - 051958 X X X X X q X

Contractors Equipment - hod or material 011210 X X X X X X X

Contractors Equipment - steam boilers, 011213 X X X X X X X

Risk Appetite Guide - All States