Mercantile Classifications

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1 Mercantile s Refer to the following table for a list of eligible Mercantile s. If the risk does not match one of the descriptions from the classification table but is similar to one of the classifications, and if the risk is not on the ineligible list, please consult your underwriter. For any risks engaging in the selling, furnishing, or serving of alcoholic beverages, you will need to purchase a Liquor Liability Policy, as this is excluded in the Businessowners Policy. Appliance 2 Domestic type (such as refrigerators, stoves and dishwashers). Sales only. For repair operations, refer to the Appliances and Electronics class in the Army Navy 4 B Artist and Drafting Supply 1 Auto Parts 2 No repairs or rentals. A Bagel Shop 5 Baked Goods 5 No cooking. Bakeries - with Cooking 9 Automatic extinguishing system covering any grills, range tops, and fryers is required. Barber and Beauty Supply 1 No private labels. Barber Shop 2 Professional Liability option available. Bath Shops 2 No private labels. Beauty Parlor, Hair Styling, and Nail Salons Beverage - Non Alcoholic Blanket and Linen s 3 3 Professional Liability option available. However, no massage, tanning, or electrolysis coverage provided. No tattoo or body piercing. 5 B B

2 Bookbinding 4 Book and Magazine s 2 Bridal Shop/Tuxedo Rental 6 A Building Cleaning and 2 Maintenance Supply Butcher Shop 6 Includes deli operations. Camera and Photography Supply Camping and Fishing Supply Candle Shop 4 Candy, Nut and Confections 4 No cooking. Cards and Stationery 1 4 A 6 No sponsored events. No sale or repair of climbing equipment. No rental or outdoor gear. Risks with gun sales are not permitted. Carpet or Rug 3 If more than 25% of receipts are derived from installation, refer to the Household Furnishing Installation class in the Ceramic Shop 4 Cheese Shop 5 China and Glassware 2 A Clock Shop 2 Includes repair. Clothing Children s 3 B Maternity 4 Men s 3 A Swim Wear and Lingerie 4 Women s 4 A B

3 Coffee/Tea Shop 5 Compact Disc and Cassette Music Refer to the Records, Tapes, and Sheet Music class. Computer Software 4 No software development. Refer to the Office Program. Copying, Duplicating and 2 No full line printing or Quick Print Shops publishing. Cosmetic 3 No private labels. Craft 4 Including Christmas crafts. Curtain and Draperies 3 Dairy Products 5 Dental Laboratory 4 No Professional Liability. Drug 3 No Professional Liability. A Dry Cleaning - Receiving Stations only 4 No cleaning on premises. No furs or long term storage. Fabric 3 Including dry goods and notions. Fish and Seafood 6 Retail only. Incidental cooking and eating on premises. Automatic extinguishing system covering any grills, range tops, and fryers is required. Floor Covering 3 Carpets, rugs, linoleum, tile. Limited oriental or antique rugs. If more than 25% of receipts are derived from installation, refer to the Household Furnishing Installation class in the Florist Shop 4 Professional Liability included. Retail only. No greenhouses. See special endorsement. Fruit or Vegetable 5 Funeral Home 1 Professional Liability option available. A

4 Furniture 5 Maximum 7,000 square feet. B Garden Shop 5 No equipment rental. Gift Shop 1 Golf or Tennis Shop 6 B Grocery 5 Maximum 3,000 sq. ft. A Handbags and Accessories 3 Hardware 2 No rental of lawn equipment or tools. Health Food 5 No private labels. Hearing Aid 3 Includes Professional Liability. Hobby and Craft Shop 4 Household Appliance Refer to Appliance. Ice Cream and Yogurt Shops 6 Spoilage coverage available. No seasonal operations. Lamps, Lighting and Accessory 2 B Leather Goods and Luggage 4 B Linen Refer to Blanket and Linen s. Liquor 6 A Locksmith Shop 4 Mailing Services, including Addressing and Letter Service Mercantile - Lessors Risk Only Monuments, Tombstones and Statuary Sales 1 3 Owners of buildings that are leased to others as stores, as long as none of the occupants are on the Ineligible List. A

5 Musical Instruments 5 A Nail Salons Office Equipment/Machine Sales Only Office Equipment/Machine Repair Shop Office Supplies & Stationery Opticians & Optical Goods s Paint and Painting Supply 2 Refer to Beauty Parlor, Hair Styling, and Nail Salons. 3 Includes cell phones and pagers. A 10 No computer installation or programming. 2 Incidental sales of office equipment/machines. 1 Includes Professional Liability. For Optometrists or Ophthalmologists, refer to the Office Program. Party Favors & Paper Goods 2 Perfume Shop 3 No private labels. Personal Computer 4 A Pet Grooming Shop 9 No kennels or veterinarian services. Pet Shop and Supply 6 No kennels or veterinarian services. Photocopying and Duplicating 2 Shop Photofinishing Laboratory 6 Photographers and Studio 2 B Picture Frames and Framing 5 Shop B

6 Pizza/Sandwich Shop 10 If liquor sold, must have Liquor Liability Policy. Hired and Non-Owned Auto Liability coverage not available. Automatic extinguishing system covering any grills, range tops, and fryers is required. Maximum seating capacity of 30. No seasonal operations. Plumbing Supply and Fixture 2 Records, Tapes, and Sheet Music 4 A Religious Supply 1 Seafood 6 Retail only. Incidental cooking and eating on premises. Automatic extinguishing system covering any grills, range tops and fryers is required. Sewing Machine 2 Shoe Repair Shop 2 Shoe 2 B Stereo System and Equipment 4 A T-shirt Shop 3 No seasonal operations. No silk screening on premises. Tailoring and Dressmaking Shop 3 Television, VCR and DVD 4 Sales and incidental rentals A Player only. For repair operations, please refer to the Appliances and Electronics class in the Tobacco 5 Retail only. No vending machine operations. Trophy 4

7 Vacuum Cleaner 1 If more than 25% of receipts are derived from repair, refer to the Appliances and Electronics class in the Contractors Program. Variety/Convenience 4 No alcoholic beverage sales. Deli Ops under Butcher class. Video or DVD Movie Rental 6 A Wallpaper 2 No installation. Watch Shop 2 Includes repair. A Window Covering 3 Curtains, draperies, shades, or blinds. No upholstering. If more than 25% of receipts are from installation, refer to the Household Furnishing Installation class in the Wine and Liquor 6 A

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