Appetite Guide for Commercial Insurance

Transcription

1 Appetite Guide for Commercial Insurance Lansing Branch Office P.O. Box Lansing, MI Phone Underwriting FAX MK8590 E

2 Appetite Guide for Commercial Insurance The EMC Appetite Guide is designed to provide a tool for our Independent Insurance Agents to evaluate EMC Insurance Companies appetite for various classifications of risk. Our appetite is based on past experience and classification expertise, and is wide ranging. While using this Guide, remember that no two risks are exactly alike, and that individual risks may be better or worse than the norm of the classification involved. Because of individual risk variations within classes, accounts with unacceptable grades may be approved with appropriate justification, while accounts with acceptable grading may not. All potential policyholders must meet EMC Insurance Companies minimum underwriting requirements to be considered. Following are color coded grading numbers, with explanations to indicate the degree of desirability of the occupancy/operation to EMC: 1-Preferred: A desirable class of business, barring unusual conditions not typical of the occupancy/operation and subject to normal underwriting requirements. 2 Desirable: A desirable class of business, but has conditions or special hazards requiring ii thatt the risk ikmust show controls over. Must meet underwriters approval. 3 Eligible with Proper Characteristics: A marginal class of business, must be better than average in its class to be considered and be supported by account or agency reasons. Management approval is required. 4 Typically Ineligible: Considered extremely hazardous, class is not compatible with EMC Insurance Companies philosophy. " "The line of business is more properly classified by a different class, the products/completed operations exposure is anticipated within the Premises Operations classification, or there is no exposure for that line of business. For questions regarding this guide, contact your EMC Insurance Companies underwriter or marketing representative.

3 Abrasive Wheel Manufacturing Abrasives Or Abrasive Products Manufacturing Abrasives Or Abrasive Products Manufacturing Artificial Accounting Services Adhesive Manufacturing Adhesive Tape Manufacturing Adult Day Care Not For Profit Adult Day Care For Profit Advertising And Related Services Advertising Sign Companies Outdoor Aerosol Container Manufacturing Aerosol Containers Filling Or Charging For Others Air Conditioning Equipment Manufacturing Air Conditioning Equipment Dealers Or Distributors Only Air Cond System Or Equip Dealers Or Distribution And Install Service/Repair Aircraft or Aircraft Parts Manufacturing Airports Commercial Airports Private Airport Runway Or Warning Apron Paving Or Repaving, Surfacing Air Transportation Companies Alarm Manufacturing Burglar Alarm Manufacturing Fire Or Smoke Alarms And Alarm Systems Installation, Servicing Or Repair Alarms Security Systems Monitoring Alcohol Manufacturing Not Beverage Ambulance Service, First Aid Or Rescue Squads Not For Profit Only Ambulance Service, First Aid Or Rescue Squads Other Than Not For Profit Amusement Centers Amusement Devices NOC Amusement Devices Oper In Conn W/Carnivals And Fairs Amusement Parks Analytical Chemists Anhydrous Ammonia Dealers And Distributors Animal Mortality 4 Antique Stores Apartment Buildings Appliance And Accessories Manufacturing Commercial Gas Appliance And Accessories Manufacturing Commercial Not Gas Appliance And Accessories Manufacturing Household Gas Page 1

4 Appliance And Accessories Manufacturing Household Not Gas Appliance And Accessories Installation, Servicing, Or Repair Commercial Appliance And Accessories Installation, Servicing, Or Repair Household Appliance Distributors Household Type Appliance Distributors Household Type Radio TV or CD Players Appliance Stores Household Type Archery Ranges NOC Armored Car Service Companies Armories Government Owned Army And Navy Stores Art Galleries Not For Profit Only Art Galleries Other Than Not For Profit Asbestos Goods Manufacturing Asphalt Or Tar Distilling Or Refining Batch plant not acceptable Asphalt Works Batch plant not acceptable Athletic Games Sponsored By The Insured Not For Profit Only Athletic Games Sponsored By The Insured Other Than Not For Profit Auctioneers Livestock Sales Conducted Away from Insd Premises Auctioneers Sales Conducted Away from Insd Premises Auctions On Premises Owned Or Rented By The Insured Automobile Body Shops Approved spray booth; no more than 12 vehicle sales per year Automobile, Bus And Truck Body Manufacturing Automobile, Bus Or Truck Parts Manufacturing Brakes or Brake lining Automobile, Bus Or Truck Parts Manufacturing No Operating Parts Automobile, Bus Or Truck Parts Manufacturing Operating Parts Automobile, Bus Or Truck Parts Manufacturing Passenger Restraining Devise Automobile Dealers (Franchised Only) Automobile Dismantling Automobile Manufacturing Or Assembling Automobile Parts And Supplies Distributors Automobile Parts And Supplies Stores Automobile Quick Lube Service Automobile Renting Or Leasing Companies Automobile Repair Or Service Shops Noc Automobile Repair Shops Self-Service Baby Food Manufacturing NOC Baby Food Manufacturing In Glass Containers Bakeries Bakery Plants Page 2

5 Barber Or Beauty Shop Supplies Distributors Barber Shops Bars And Taverns Battery Manufacturing Dry Cell Battery Manufacturing Wet Cell Or Storage Bazaars Operated By Insd Not For Profit Only Bazaars Operated By Insd Other Than Not For Profit Beach Chairs And Umbrellas Rented To Others Beaches Bathing Commercially Operated Beaches Bathing Not Commercially Operated Bearing Manufacturing Beauty Parlors And Hair Styling Salons Beer, Ale Or Malt Liquor Manufacturing In Bottles No restaurant operations Beer, Ale Or Malt Liquor Manufacturing In Cans No restaurant operations Beer, Ale Or Malt Liquor Manufacturing Not Bottled or Canned No restaurant operations Beverage Bottler Soft Drinks Carbonated in Cans/Plastic Bottles Beverage Bottler Soft Drinks Carbonated In Glass Bottles Beverage Bottler Soft Drinks In Metal Cylinders Beverage Bottler Soft Drinks In Paper Containers Beverage Bottler Soft Drinks Not Carbonated In Bottles Or Cans Beverage Distributors Alcoholic Other Than Beer Beverage Distributors Nonalcoholic And Beer Beverage Stores Liquor And Wine No liquor legal Beverage Stores Soft Drinks And Beer No liquor legal Bicycle Manufacturing Not Motorized Bicycle Stores Sales And Servicing Bicycles Rented To Others Billiard Or Pool Halls Billiard Or Pool Table Manufacturing Bingo Games In Public Halls Or Theaters Commercially Operated Blacksmithing Blasting Operations Blood Banks Boarding Or Rooming Houses Boat Or Ship Building Boat Dealers (Franchised Only) Boat Repair And Servicing Boat Storage And Moorage Boat Yards Or Marinas Public Page 3

6 Boats Canoes Or Rowboats For Rent Not Equipped With Motors Boats Canoes Or Rowboats Not For Rent Not Equipped With Motors Boats Motor Or Sail Not For Rent Boats Motor Or Sail Rented To Others Boats Nonowned Over 26 Feet Boats Not For Rent NOC Boats Rented To Others NOC Boiler Inspection, Installation, Cleaning Or Repair Bolt, Nut, Rivet, Screw Or Washer Manufacturing Bookbinding And Printers Supplies Bookbinding Not For Profit Only Bookbinding Other Than Not For Profit Book Distributors Bookkeeping Services Book And Magazines Stores Not For Profit Only Book And Magazines Stores Other Than Not For Profit Bottle And Jar Manufacturing Glass Not For Use Under Pressure Bottle And Jar Manufacturing Plastic Nonreturnable Bottle And Jar Manufacturing Plastic Returnable Bowling Lanes Boxes Or Containers Manufacturing Corrugated Or Fiberboard Boxes Or Containers Manufacturing Wood Boy Or Girl Scout Councils (Not Camps) Bottle And Jar Manufacturing Glass For Use Under Pressure Nonreturnable Bottle And Jar Manufacturing Glass For Use Under Pressure Returnable Brick Manufacturing Bridge Or Elevated Highway Construction Brush Or Broom Manufacturing Builder's Risk for insured contractors Building Material Dealers (Minimal Lumber For Property) Building Material Dealers Other Than Secondhand Material Building Material Dealers Secondhand Material Building Material Distributors (Minimal Lumber For Property) Building Structure Raising Or Moving Buildings Or Premises Bank Building or Premises Office Not for Profit Only Building or Premises Other than Not for Profit Buildings Or Premises Bank Or Office Mercant/ Manufacturing Lessor's Risk NFP Buildings Or Premises Bank Or Office Mercant/Mfg Less Risk Other than NFP Page 4

7 Bldgs Or Prem Bank/Office Mercant/ Manufacturing Maintained By Insured NFP Bldgs Or Prem Bank/Office Mercant/Mfg Maintained By Insured Other than NFP Bldgs Or Prem Office Prem Occ By Emp Of Insured Not For Profit Only Bldgs Or Prem Office Prem Occ By Emp Of Insured Other Than Not For Profit Bus Manufacturing Or Assembling Or Reconstruction Bus Stations Or Terminals Bus Transportation Companies Passenger And Commuter Bus Transportation Companies Scenic And Sightseeing Business Services NOC (except personal care) Buttons Or Fasteners Manufacturing Cable Installation In Conduits Or Subways Cable or Subscription Television Companies Caisson or Cofferdam Work Camera And Photographic Equipment Stores Camper Bodies or Camper Trailers Manufacturing Camper or Trailer Sales Agencies Campers Manufacturing Self-Powered Campgrounds Camps Can Manufacturing Metal Candle Manufacturing Candy Or Confectionery Products Manufacturing Candy Or Confectionery Stores Car Washes Car Washes Self Service Carnival Or Circus Companies Carpentry Construction Of Residential Prop Not Exceeding 3 Stories Subs must be less than 25% Carpentry NOC No Generals Carpentry Interior Carpentry Shop Only Carpet Or Rug Manufacturing Carpet, Rug, Or Furniture Or Upholstery Cleaning On Customers Premises Carpet, Rug Or Upholstery Cleaning Shop Only Caterers Caulking Compounds, Putty Or Similar Products Manufacturing Caves Tourists Attraction Ceiling Or Wall Installation Metal Cellophane And Cellophane Products Manufacturing Cement, Concrete Mix or Plaster Manufacturing Packaged Page 5

8 Cement or Plaster Manufacturing Bulk Cemeteries Not For Profit Only Cemeteries Other Than Not For Profit Charcoal Or Coal Briquette Manufacturing Chemical Distributors dependant on the chemical Chemical Manufacturing Commercial Or Industrial Chemical Manufacturing Household Children's Play Centers Indoors Chimney Cleaning China, Porcelain Or Earthenware Manufacturing Churches Or Other Houses For Worship Clay Or Shale Digging Clay Products Manufacturing Cleaning Outside Surfaces Of Buildings15 ft or less Clock Manufacturing Clothing Manufacturing Clothing or Wearing Apparel Distributors Clothing Or Wearing Apparel Stores Not For Profit Only Clothing Or Wearing Apparel Stores Other Than Not For Profit Club Civic, Service Or Social Having Buildings Or Prem Owned Club Civic, Service Or Social No Buildings Except For Office Clubs Country And Golf Clubs Horseback Riding No Commercial Riding Instructions Clubs Racket Sports And Handball Clubs Swimming Coffins Or Caskets Manufacturing Coke Manufacturing Collectibles And Memorabilia Stores Collection Agencies No PI or door to door Color Or Pigment Preparation Commissary Work Commodity Brokers And Dealers Commodity Exchanges Communication Equipment Installation Industrial And Commercial Communication Or Recording Systems Or Equipment Manufacturing Communication Or Recording Systems Or Equipment Manufacturing Ind And Commercial Community Recreational Facilities Not Operated By A Government Agency Composition Goods Manufacturing Not Floor Coverings Computer Consulting Or Programming Page 6

9 Computer Data Processing Operations Computer Data Processing Timesharing Computer Manufacturing Computer Service Or Repair Computer Software Manufacturing Prepacked Computer Stores Concessionaires Concessionaires Check Room, Shoeshine, Or Toilet Con Hotels/Rest Concrete Construction Concrete Mixed In Transit Concrete Or Cement Distribution Towers Rented To Others Inst/Repair Concrete Or Plaster Products Manufacturing Not Structural Concrete Products Manufacturing Prestressed Concrete Products Manufacturing Structural Condos Commerciall Bank Or Mercantile, Manufacturing Or Office (Assoc Risk) Condominiums Commercial Shopping Centers (Assoc Risk Only) Condominiums Commercial Warehouses Manufacturing Or Private (Assoc Risk Only) Condominiums Residential (Association Risk Only) Conduit Construction For Cables Or Wires Consultants NOC Consultants Contact Lens Manufacturing Contractors Noc No Generals Contractors Equip Dealers Ladders Excl Hoists, Scaffolds Or Towers Contractors Permanent Yards Maintenance Or Storage Equip/Material Convenience Food Stores Convenience Food/Gasoline Stores Full Service Convenience Food/Gasoline Stores Self Service Convenience Food/Gasoline Stores Self And Full Service Combined Convenience Store Without Cooking Exposure Convenience Store With A Cooking Exposure Conventions (Sponsor's Risk Only) Not For Profit Only Conventions (Sponsor's Risk Only) Other Than Not For Profit Convents Or Monasteries Copying And Duplicating Services Rental Cosmetic, Hair Or Skin Preparation Stores Cosmetics Manufacturing Cotton Batting, Wadding Or Waste Manufacturing Cotton Or Wool Merchants Credit Reporting Agencies No PI Page 7

10 Crematories Not For Profit Only Crematories Other Than Not For Profit Crop Spraying By Contractors Cutlery (Not Powered) And Flatware Manufacturing Dairy Products Mfg Dairy Products Or Butter And Egg Stores Not For Profit Only Dairy Products Or Butter And Egg Stores Other Than Not For Profit Dam, Levee Or Dike Existence Hazard Only Dam Or Reservoir Construction Dance Halls Or Ballrooms Not For Profit Only Dance Halls Or Ballrooms Other Than Not For Profit Dance Halls Or Ballrooms Day Care Centers Not for Profit Only Day Care Centers Not in Home Debris Removal Construction Site Delicatessens Dental Laboratories No Professional Liability Department Or Discount Stores Detective Or Investigative Agencies Private Detergent Manufacturing Household Detergent Manufacturing Dextrine Manufacturing Diagnostic Testing Laboratories Die Casting Manufacturing Dike, Levee Or Revetment Construction Distillation Or Extraction Distributors Food Or Drink Distributors No Food Or Drink Diving Marine Dock Operations Coal, Grain Or Ore Door Or Window Manufacturing Metal Door Or Window Manufacturing Wood Door, Window Or Assemble Millwork Installation Metal Draftsmen Drawbridges Existence Hazard Only Dredging Drilling Drilling Water Driveway, Parking Area Or Sidewalk Paving Or Repaving Page 8

11 Drug Distributors Drug Manufacturing Biological Products Drug, Medicine Or Pharmaceutical Preparations Manufacturing Drugstores Drugstores No Table Or Counter Service For Beverage Or Food Drums Or Containers Manufacturing Metal Drums Or Containers Manufacturing Plastic Dry Wall Or Wallboard Installation Dwelling 1 Family (Lessor's Risk Only) Dwelling 2 Family (Lessor's Risk Only) Dwelling 3 Family (Lessor's Risk Only) Dwelling 4 Family (Lessor's Risk Only) Electrical And Lighting Stores Electrical Apparatus Installation, Service, Or Repair Electrical Contractors Electrical Equipment Distributors Electrical Equipment Manufacturing Electrical Equipment Manufacturing For Direct And Indirect Application To Body Electrical Generating Machinery Manufacturing Electric Light Or Power Companies Electric Light Or Power Cooperatives Rural Electrification Admin Electric Light Or Power Line Construction Electric Light Or Power Line Construction Rural Electrification Admin Electrical Parts, Components Or Accessories Manufacturing Electrical Power Distribution Or Transmission Equipment Manufacturing Electrical Wire Or Cable Manufacturing Electrical Work Within Buildings Electronic Components Manufacturing Electronic Games Manufacturing Electronic Stores Electroplating Elevator Or Escalator Inspecting, Installation, Service Or Repair Elevator Manufacturing Employee Benefit Plans Labor Union Employee Benefit Plans Other Than Labor Union Employment Agencies No Temp Labor Type Operations Engine Or Turbine Manufacturing Not Aircraft Engrs Or Architects Consulting Not Engaged In Actual Construction Engraving Page 9

12 Entertainment Performed On Others' Premises Equipment, Fixtures And Supplies For Bars, Hotels, Offices, Rest Distr Escalator Or Moving Sidewalk Manufacturing Escrow Agencies Real Estate Escrow Agencies Other Than Real Estate Excavation Exercise Or Playground Equipment Manufacturing Exhibition Or Convention Buildings Not For Profit Only Exhibition Or Convention Buildings Other Than Not For Profit Exhibitions In Buildings Not For Profit Only Exhibitions In Buildings Other Than Not For Profit Exhibitions In Buildings No Admission Charged Not For Profit Only Exhibitions In Buildings No Admission Charged Other Than Not For Profit Exhibitions Outside Ushers/Other Attendants Not Provided By Insured Exhibitions Outside Ushers And Other Attendants Provided By Insured Exhibitions Outside No Stadiums Or Grandstands Explosive Or Fireworks Manufacturing Express Companies Extracts Manufacturing Eye Glass Lens Manufacturing Fabric Distributors Fabric Stores Fair Grounds Non-Operations Season Fairs Outside (Operator's Risk Only) Farm Machinery Operations By Contractors Feed, Grain Or Hay Dealers Feed Manufacturing Fence Dealers Fence Erection Contractors Fertilizer Dealers And Distributors Fertilizer Manufacturing Fiber Manufacturing Fiber Mfg Synthetic Fiberglass Manufacturing Fire Departments Fire Departments Volunteer Fire Extinguishers Servicing, Refilling Or Testing Fire Extinguishers Manufacturing Fire Protection Equipment Dealers And Distributors Page 10

13 Fire Suppression Systems Installation, Servicing Or Repair Fire Suppression System Manufacturing Firearms Manufacturing Fireproofing Structures Fireworks Exhibitions Fish Farm Fishing Piers Fishing Ponds Or Lakes Commercially Operated Floor Covering Distributors Floor Covering Installation Not Ceramic Tile Or Stone Floor Covering Manufacturing Not Carpets, Rugs, Ceramic Or Stone Tiles Floor Covering Stores Floor Waxing Florists Food Products Manufacturing Dry Food Products Manufacturing Frozen Food Products Manufacturing Not Dry In Glass Containers Food Products Manufacturing Not Dry In Other Than Glass Containers Forging Work Formal Wear Or Costumes Rented To Others Foundries Fraternal Orders Freight Forwarders Or Handlers Freight Forwarders Or Handlers Pkng/Handling/Shipping/Explosives Frozen Food Frozen Food Distributors (Changed from Frozen Food) Fruit Or Vegetable Dealers Fruit Or Vegetable Distributors Fruit Or Vegetable Harvesting Contractors Fruit Or Vegetable Juice Manufacturing No Bottling Or Carbonated Beverages Fumigating Funeral Home Or Chapels Fur Garment Manufacturing Fur Garments And Pelts Distributors Fur Or Pelt Processing Furniture Manufacturing Or Assembling Infants Furniture Manufacturing Or Assembling Other Than Wood Furniture Manufacturing Or Assembling Wood Furniture Or Fixtures Installation In Office Or Stores Portable Page 11

14 Furniture Or Woodwork Stripping, Refinishing Or Repair Shop Only Furniture Stores Not For Profit Only Furniture Rental Stores (Rent To Own) Furniture Retail Stores Other Than Not For Profit Galvanizing Or Tinning Gambling Casinos Gambling Incidental To Other Operations Garbage, Ash Or Refuse Collecting Garbage Or Refuse Dumps Garbage Works Sep For Recycling, Reduction Or Incineration Gardening And Light Farming Supply Distributors Gas Companies Gas Mains Or Connections Construction Gas Manufacturing Inert Gas Manufacturing Primarily Flammable, Explosive Or Reactive Gasoline Or Oil Supply Stations Retail (Lessor's Risk Only) Gasoline Recovery From Casing Head Or Natural Gas Gasoline Station Full Service Gasoline Station Self Service Gasoline Station Self And Full Service Combined Gemstone Cutting Or Polishing Geophysical Explorations Geophysical Exploration Seismic Method Gift Shops Not For Profit Only Gift Shops Other Than Not For Profit Glass Dealers And Glaziers Glass Or Glassware Manufacturing Golf Courses Miniature Golf Courses Municipal Or Public Not Golf Or Country Club Golf Driving Ranges Golf mobile Loaned Or Rented To Others Government, Federal Government State State, etc. Including Police Department Government State State, etc. Excluding Police Department Government State Police Dept of State, County, City, etc Govtl Subdivision, Muni., Not State Or Federal; Govtl Subdivision, Muni., Not State Or Federal; 25,001 And over Govtl Subdivision, County, Not State Or Federal; Govtl Subdivision, County, Not State Or Federal; 50,000 And over Page 12

15 Grading Of Land Grain Elevator Operations Grain Milling Grandstands Or Bleachers Not For Profit Only Grandstands Or Bleachers Other Than Not For Profit Greenhouses Not glass construction Greenhouse Erection Grocery Distributors Grocery Stores Guides Or Outfitters Guniting Or Shot Crete Gunsmiths Halls Not For Profit Only Halls Other Than Not For Profit Handyman Hardware And Tool Distributors Hardware Stores Hazardous Material Contractors Health Care Facilities Hospital We have a special Hospital form, CP7132 Health Maintenance Organization Health Or Exercise Clubs Health Or Exercise Facilities Commercially Operated Health Or Natural Food Stores Hearing Aid Distributors Hearing Aid Stores Heating Or Combined Heating And Air Cond Equipment Dealers/Distrib Only Heating Or Combined Heating And Air Cond Equipment Dealers/Rep/Serv Heating Or Combined Heating And Air Cond Equipment Dealers/Repair/No LPG Heating Equipment Manufacturing Coal Or Wood Heating Equipment Manufacturing Electric Heating Equipment Manufacturing Fuel Oil Or Kerosene Heating Equipment Manufacturing Gas Or Liquefied Petroleum Gas Hide Dealers And Distributors Raw Hobby, Craft Or Artist's Supply Store Hobby, Craft or Artists Supply Distributors Home Furnishings Stores Home Health Care Services Not For Profit Home Health Care Services Other Than Not For Profit Home Improvement Stores Page 13

16 Hone, Oilstone Or Whetstone Manufacturing Honey Extracting Hot Air Balloons Operations 4 Hotels And Motels, May Include Pool Or Beach, Less Than 4 Stories Hotels And Motels, May Include Pool Or Beach, 4 Stories Or More House Furnishings Installation Housing Projects Federal, State, Local Hunting Preserves Not For Profit Only Hunting Preserves Other Than Not For Profit Ice Cream Stores Ice Dealers And Distributors Importers Ink Manufacturing Inner Tubes Manufacturing Inspection And Appraisal Companies Inspect For Ins Or Valuation Purp Instrument Manufacturing Instrument Manufacturing Analytical, Calibrating, Measuring, Testing/Record Instrument Manufacturing Control Insulating Material Manufacturing Mineral Insulating Material Manufacturing Organic Insulating Material Manufacturing Plastic Insulating Material Manufacturing Plastic For Application In A Solid State Insulation Work Mineral Insulation Work Organic Or Plastic In Solid State Insulation Work Plastic Insurance Agents Interior Decorators Internet Access Providers Internet Retailers Internet Service Providers Investment Advice No Professional Irrigation Or Drainage System Construction Irrigation Works Operations Janitorial Services Janitorial Supplies Dealers And Distributors Jetty Or Breakwater Construction Jewelry Manufacturing Jewelry Stores Or Distributors No jewlers block Junk Dealer Page 14

17 Kennels Breeding, Boarding Or Sales Labor Union Offices Laboratories Research, Development Or Testing Not For Profit Only Laboratories Research, Development Or Testing Other Than Not For Profit Ladder Manufacturing Ladder Manufacturing Wood Lakes Or Reservoirs Existence Hazard Only Not For Profit Lakes Or Reservoirs Existence Hazard Other Than Not For Profit Lamp Shade Manufacturing Lamps Or Lanterns Manufacturing Lamps Or Lanterns Manufacturing Electric Land Occupied By Persons Other Than Insured (Lessor's Risk Only) Landscape Gardening Laundries And Dry Cleaners Self Service Laundries And Dry Cleaning Plants Laundry And Dry Cleaning Or Dyeing Receiving Stations Laundry And Dry Cleaning Stores Laundry Rental Service Lawn Care Services Lawyers Offices Not For Profit Only Lawyers Offices Other Than Not For Profit Lead Mfg Red Or White Lead Works Sheet, Pipe Or Shot Leather Goods Manufacturing Leather Goods Stores Libraries Light Bulb Or Tubes Manufacturing Lighting Fixtures Manufacturing Lime Manufacturing Liquor Manufacturing Livestock Dealers Or Commission Merchants Livestock Sales Companies Loan Agents, Brokers And Correspondents Locksmiths Logging And Lumbering Lubricants Manufacturing Grease Luggage Goods Stores Lumberyards Machine Shops Page 15

18 Machinery Or Equipment Farm Installation, Servicing, Repair/Erect Machinery Or Equipment Industrial Installation, Servicing Or Repair Machinery Or Equipment Installation, Servicing Or Repair Machinery Or Equipment Dealers Machinery Or Equipment Dealers Construction Or Industrial Mobile Type Machinery Or Equipment Dealers Farm Type Machinery Or Equipment Dealers Yard Or Garden Type Machinery Or Machinery Parts Manufacturing Machinery Or Mach Parts Manufacturing Construction, Mining Or Materials Handling Machinery Or Machinery Parts Manufacturing Farm Type Machinery Or Machinery Parts Manufacturing Industrial Type Machinery Or Machinery Parts Manufacturing Metalworking Mail Box Or Packaging Stores Mail Order Houses Mailing Or Addressing Companies Mail Order or Online Drugstores Manufacturers Representatives Marine Appraisers Or Surveyors Markets Not Open Air (Lessor's Risk Only) Not For Profit Only Markets Not Open Air (Lessor's Risk Only) Other Than Not For Profit Markets Open Air (Lessor's Risk Only) Not For Profit Only Markets Open Air (Lessor's Risk Only) Other Than Not For Profit Masonry Match Manufacturing Mattress Or Box Spring Manufacturing Mausoleums Not For Profit Only Mausoleums Other Than Not For Profit Meat, Fish, Poultry Or Seafood Curing Meat, Fish, Poultry Or Seafood Distributors Meat, Fish, Poultry Or Seafood Processing In Airtight Containers Meat, Fish, Poultry Or Seafood Proc Not In Airtight Containers Meat, Fish, Poultry Or Seafood Stores Medical, Dental, Hospital Or Surgical Equipment Or Supplies Manufacturing Expend Medical, Dental, Hospital/Surgical Equipment Or Supplies Manufacturing Nonexpen Medical, Dental, Hospital Or Surgical Equipment Instrument Manufacturing Medical, Dental/Surgical Diagnostic Or Treatment Machines Or Dev Medical, Hospital And Surgical Equip And Supplies Rented To Others Medical, Hospital And Surgical Supply Stores Medical Offices Page 16

19 Metal Dealers Or Distributors Nonstructural Metal Dealers Or Distributors Structural Metal Erection Decorative Or Artistic Metal Erection Frame Structures Iron Work On Outside Of Buildings Metal Erection In Construction Of Dwelling Not Exceed 2 Stories Metal Erection Nonstructural Metal Erection Structural 2 Stories Metal Extracting Or Refining Metal Foil Manufacturing Metal Goods Manufacturing Metal Goods Manufacturing Stamping Not Signs Metal Heat Processing Metal Scrap Dealers Metal Works Shop Decorative Or Artistic Metal Works Shop Structural Load Bearing Metal Works Shop Structural Not Load Bearing Mica Goods Manufacturing Milk Depots Or Dealers Milk Processing Mining Mobile Home Manufacturing Mobile Home Parks Or Courts Mobile Home Sales Agencies Model Homes Modular Units Manufacturing Mortgage Loan Brokers PI's Motion Pictures Development Of Negatives Printing And Subs Operations Motion Pictures Film Distribution Or Exchanges Not In Studio Motion Pictures Production Studios Or Outside Motorcycle, Moped Or Motor Scooter Manufacturing Museums Not For Profit Only Museums Other Than Not For Profit Music Stores Pre-Recorded Musical Instrument Manufacturing Musical Instrument Stores Musical Products Manufacturing Pre-Recorded Mutual Fund Shares And Securities Sales Organizations Nail Salons Nails Or Spikes Manufacturing Page 17

20 Needles, Pins Or Tacks Manufacturing Net Manufacturing Net Manufacturing Safety Nets Newspaper Or Magazine Distributors Newsstands Nightclubs, Cabarets And Comedy Clubs Nursery Garden Offices Office Machines Manufacturing Office Machines Or Appliances Installation, Inspection, Adj Or Rep Oil Or Gas Lease Operations Oil Or Gas Wells Acidizing Oil Or Gas Wells Cementing Oil Or Gas Wells Cleaning Or Swabbing By Contractors Oil Or Gas Wells Drilling Or Redrilling Installation Or Recovery Oil Or Gas Wells Instrument Logging Or Survey Work In Wells Oil Or Gas Wells Non-Operating Working Interest Oil Or Gas Wells Perforating Of Casing Oil Or Gas Wells Servicing By Contractors Oil Or Gas Wells Shooting Oil Or Gas Wells Supplies Or Equipment Dealers Secondhand Oil Refineries Oil Rig Or Derrick Erecting Or Dismantling Wood Or Metal Oil Still Erection Or Repair Optical Goods Distributors Optical Goods Manufacturing Optical Goods Stores Orchards And Vineyards Operation By Contractors Ore Milling Or Processing Orthopedic, Ambulation Or Prosthetic Devices Manufacturing Packing Houses Paint, Varnish, Or Shellac Or Lacquer Manufacturing Paint, Wallpaper Or Wall Covering Stores Painting Exterior Buildings Or Structures Exceed 3 Stories In Height Painting Exterior Buildings Or Structures 3 Stories Or Less In Height Painting Interior Buildings Or Structures Painting Oil Or Gasoline Tanks Painting Ship Hulls Painting Shop Only Page 18

21 Painting Steel Structures Or Bridges Painting Picture Or Frame Store Paper Coating Or Finishing Paper Goods Manufacturing NOC Paper Manufacturing Paper Products Distributors Paper, Rag Or Rubber Stock Dealers And Distributors Secondhand Paperhanging Parachute Manufacturing Parades Parking Private Parking Public Open Air Parking Public Shopping Centers Maintained By Insured (Lessor's Risk) Parking Public Not Open Air Parking Public Shopping Centers Maintained By Lessee (Lessor's Risk) Parks Or Playgrounds Pattern Manufacturing Pattern Manufacturing Metal Pattern Manufacturing Paper Pawn Shops Payroll Accounting Services Penal Institutions Pencil, Pen, Crayon Or Chalk Manufacturing Pension, Health And Welfare Plans Labor Unions Pension, Health And Welfare Plans Other Than Labor Unions Periodicals Distributors Pest Control Services Pet Food Manufacturing Pet Grooming Pet Stores Pet Training Photo Finishing Laboratories Photographers Photographic Equipment Manufacturing Photographic Supplies Manufacturing Piano Tuning Picnic Grounds Commercially Operated Pile Driving Pipeline Construction Page 19

22 Pipelines Operation Pipes Manufacturing Tobacco Pipes Or Tubes Manufacturing Metal Pipes Or Tubes Manufacturing Plastic Plastering Or Stucco Work No EFIS exposure Plastic Manufacturing Raw Material Plastic Or Rubber Goods Manufacturing Household Plastic Or Rubber Goods Manufacturing Other Than Household Plastic Or Rubber Supply Goods Distributors Plumbing Commercial And Industrial Plumbing Residential Or Domestic Plumbing Fixtures Manufacturing Plumbing Supplies And Fixtures Dealers And Distributors Plumbing Supplies Manufacturing Plywood, Veneer Or Veneer Products Manufacturing Plywood, Veneer Or Veneer Products Manufacturing Without Log Processing Political Campaign Headquarters Or Offices Prefabricated Building Erection Prefabricated Building Manufacturing Printers Or Electrotypers Supplies Distributors Printing Not For Profit Only Printing Other Than Not For Profit Produce Handling Or Packing Professional And Trade Assoc No Building Or Prem Office Only Not For Profit Professional And Trade Assoc No Building Or Prem Office Only Other than Not For Profit Publishers Books And Magazines Not For Profit Publishers Books And Magazines Other Than Not For Profit Publishers Newspapers Not For Profit Only Publishers Newspapers Other Than Not For Profit Pulp Manufacturing Pumps Or Compressors Manufacturing Quarries Race Tracks Motorized Vehicles Racing Racquet Sports And Handball Facilities Commercially Operated Radio Or TV Broadcasting Stations Not For Profit Only No PI Radio Or TV Broadcasting Stations Other Than Not For Profit No PI Railroad Construction Railroad Engine Manufacturing Page 20

23 Railroad Or Other Public Conveyance Cars Or Parts Manufacturing Railroads Operations And Maintenance Railroads Shop Operation And Maintenance Rain Insurance Special Events 4 Razor Or Razor Blades Manufacturing Real Estate Agents Real Estate Development Property Real Estate Property Managed Recording Studios Recreational Vehicle Dealers Recycling Collection Centers Not For Profit Only Not doing pickup Recycling Collection Centers Other Than Not For Profit Not doing pickup Refrigeration Equipment Manufacturing Refrigeration Equipment Dealers And Distributors Only Commercial Refrigeration System And Equip Dealers And Distribution And Install/Service Rendering Works Renovating Outside Surfaces Of Buildings Rental Stores for farm equipment dealers up to 15% Rental Stores Machinery Or Equip Rented To Others Long Term Restaurants Operated By Concessionaires Not For Profit Only Restaurants Operated By Concessionaires Other Than Not For Profit Restaurants Refreshment Stands Or Drive-In Not For Profit Only Restaurants Riding Academies Rifle Or Pistol Ranges Rigging Rodeos Rolling Mills Cold Or Hot Process Roofing Commercial Roofing Residential Rope Manufacturing Rubber Manufacturing Rubber Reclaiming Rubber Stamp Manufacturing Or Assembling Saddles, Harnesses Or Horses Furnishings Manufacturing Safe Deposit Companies Safes Or Safe Vaults Manufacturing Sail Making Sales Or Service Organizations Page 21

24 Sales, Service Or Consulting Organizations Salt, Boraz, Potash Or Phosphate Producing Or Refining Salt Manufacturing Salvage Operations Sand Or Gravel Digging Sandblasting Saunas And Baths Public Saw Mills Or Planing Mills Schools Not For Profit Only Schools Other Than Not For Profit Schools Colleges, Universities, Jr. College Not For Profit Only Schools Colleges, Universities, Jr. College Other Than Not For Profit Schools Correspondence Schools Dormitory Facilities Not For Profit Only Schools Dormitory Facilities Other Than Not For Profit Schools Faculty Liability For Corporal Punishment Of Pupils Schools Private Elementary, Kindergarten Or Jr. High Not For Profit Schools Private Elementary, Kindergarten Or Jr. High Other than Not For Profit Schools Public Elementary, Kindergarten Or Jr. High Schools Private High Not For Profit Only Schools Private High Other Than Not For Profit Schools Public High Schools Trade Or Vocational Secondhand Or Salvage Dealers And Distributors Security And Patrol Agencies Securities Sales Organizations (Includes Mutual Funds) Seed Merchants Excl Misdelivery, Error In Mixture And Germ Failure Seed Merchants NOC Seed Merchants Excl Germination Failure Septic Tank Systems Cleaning Septic Tank Systems Installation, Servicing Or Repair Sewage Disposal Plant Operations Sewer Cleaning Sewer Mains Or Connections Construction Sewers Sewing Machines Manufacturing Commercial Sewing Machines Manufacturing Household Shaft Sinking Sheet Metal Work Outside Page 22

25 Sheet Metal Work Shop Only Shelters, Mission, Settlement Halfway Houses Not Church Or Office Ship Ceiling Or Scaling Ship Repair Or Conversion Shoe, Boot Or Slipper Manufacturing Shoe Repair Shops Shoe Stores Shopping Centers Building Or Prem Not Occupied By Insured (Lessor's Risk Only) Shop Centers Indoor Malls Building Or Prem Not Occupied By Insured (Lessor's Risk) Siding Installation Sign Erection, Installation Or Repair Sign Manufacturing Sign Manufacturing Electrical Sign Painting Or Lettering Inside Of Buildings Sign Painting Or Lettering On Buildings Or Structures Skating Rinks Ice Skating Rinks Roller Skeet Shooting Or Trap Shooting Ranges Ski Lifts, Tows Or Runs Slate Milling Slate Splitting Or Slate Roofing Manufacturing Soap Manufacturing Social Gatherings/Meetings On Prem Not Owned Or Oper Not For Profit Social Gatherings/Meetings On Prem Not Owned Or Oper Other than Not For Profit Social Services Consulting Services Private Sector Solar Energy Contractors Spas Or Personal Enhancement Facilities Special Events Coverage 4 Sponge Processing Sporting Goods Or Athletic Equipment Distributors Sporting Goods Or Athletic Equipment Manufacturing Sporting Goods Or Athletic Equipment Stores No gun repair Sports Or Outdoor Activities Commercially Operated Stables Boarding, Livery Or Racing Stadiums Operated By Insured Not For Profit Only Stadiums Operated By Insured Other Than Not For Profit Stationery Or Paper Products Stores Stationery or Paper Products Distributors Steam Heating Or Steam Power Companies Page 23

26 Steam Mains Or Connections Construction Steam Pipe Or Boiler Insulation Steel Wool Or Wire Wool Manufacturing Stevedoring Stockyards Stone Crushing Stone Cutting Or Polishing Stores Food Or Drink Not For Profit Only Stores Food Or Drink Other Than Not For Profit Stores No Food Or Drink Not For Profit Only Stores No Food Or Drink Other Than Not For Profit Street Cleaning Streets, Roads, Highways Or Bridges Existence And Maintenance Hazard Street Or Road Construction Or Reconstruction Street Or Road Paving Or Repave, Surfacing Or Resurface Or Scrap Subway Construction Sugar Refining Sun Tanning Salons Supermarkets Surveyors Land Not Engaged In Actual Construction Swimming Pool Servicing Swimming Pools Swimming Pools Commercially Operated Swimming Pools Installation, Servicing Or Repair Above Ground Swimming Pools Installation, Servicing Or Repair Below Ground Swimming Pools Or Accessories Manufacturing Syrups Or Molasses Refining, Blending Or Manufacturing Tailor Merchants Men And Boys Tailoring Or Dressmaking Establishments Custom Tank Building Or Manufacturing Metal Not Pressurized Tank Building Or Manufacturing Metal Pressurized Tank Construction, Install, Erection Or Repair Metal Tanning Animal Hides Tattoo Parlors Taxicab Companies Taxidermists Telecommunication Equipment Manufacturing Telecommunication Equipment Providers Telecommunication Service Providers Page 24

27 Telegraph Companies Telephone Or Telegraph Companies Teleproduction Studios Telephone, Telegraph Or Cable Television Line Construction Television Or Radio Receiving Set Installation Or Repair Television Picture Tube Manufacturing Tent Or Canopy Manufacturing Tent Or Canvas Good Erection Removal Or Repair Away from Shop Tents Or Canopies Loaned Or Rented To Others Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing New Good Textile Coating Or Impregnating Textile Manufacturing Impregnated Or Coated Textile Products Manufacturing Fabricated Textile Spinning, Weaving Or Knitting Mills Theaters Not For Profit Only Theaters Other Than Not For Profit Theaters Drive In Theaters Motion Pictures Theatrical Companies Traveling Ticket Agencies Tie, Post Or Pole Yard Tile, Stone, Marble, Mosaic Or Terrazzo Work Interior Construction Tire Dealers Tire Manufacturing Auto, Bus Or Truck Tire Manufacturing Not Auto, Bus Or Truck Tire Retreading Or Recapping Title Agents Tobacco Products Distributors Tobacco Products Manufacturing Tobacco Products Stores Tobacco Rehandling Or Warehousing Toll Bridges Tool Manufacturing Accessories Tool Manufacturing Hand Type Not Powered Tool Manufacturing Hand Type Powered Tool Manufacturing Power Equipment, Household Type Outdoor Or Workshop Towing Services Motor Vehicles No 24 hour, Not for heavy trucks Toy Distributors Toy Stores Page 25