BMIC S APPETITE GUIDE EFFECTIVE JUNE 2013

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1 The following guide is a general list of Builders Mutual s appetite for business classes residential and commercial WorkSafe workers compensation and Builders Best general liability (including trade contractors), commercial auto and property. Refer to each column for rating information. This guide represents the overwhelming majority of the risk classes in the construction industry. The ratings below should be used as a general reference for BMIC acceptability and are not to be misconstrued as all-encompassing. When in doubt about a particular risk, consult your underwriter prior to binding coverage. The Appetite Rating represents the desirability of the class. Any classification not listed should be considered an Undesirable classification. Please note: BMIC is not a writer of industrial exposures. ly, a minimum of three years in business and/or prior experience in a related field is required. Loss experience must be favorable. Appetite Code: Preferred, Consider, Undesirable Air Conditioning Systems or Equipment Dealers or Distributors and Installation, Servicing or Repair Appliances and Accessories Installation, Servicing or Repair Commercial (Contact your underwriter.) Architectural or Engineering Firm (as a governing class) Consider Consider Consider Consider Consider NA Undesirable Undesirable Undesirable Undesirable Associations HBA (No Habitat for Humanity) Automatic Sprinkler Installation & Drivers - Fire Suppression Building Material Dealer no repairs, no sales of used items Burglar Alarm/Security System Installation or Repair & Drivers-No Monitoring N /A Consider** Undesirable Consider** Consider N/A Preferred Undesirable Preferred Preferred Cabinet Works w/ Power Driven Machinery Cabinets/Vanities No Power Woodworking Cable TV & Telephone Service Connection (customer s premises only) WC considered only if no overhead work including no pole climbing and no work form ladder or bucket truck. Cable TV & Telephone Service Connection (line construction work) WC considered only if no overhead work including no pole climbing and no work from ladder or bucket truck. Consider* Consider* Consider* Consider* Consider*

2 Cable /Phone/Intercom Installation (Communication Equipment Installation) Limited height exposure; no pole to pole, limited work from ladder or bucket truck, no line contractors TV & Telephone Service Connection (Contact your Underwriter) N/A Consider* Consider* Consider Consider Carpentry Framing (No new ventures) Preferred* Preferred* Preferred* Preferred Preferred Carpentry Modular Housing, Not Mobile Homes (For Contact Your Underwriter) Carpentry Remodeler No Fire or Water Restoration or Major Renovation; Limited Scope Carpentry Residential; includes new construction (single family dwellings 3 stories or less), additions, decks, porch/patio enclosures and remodelers. (For, contact your underwriter.) Consider** Consider** Consider** Consider** Consider** Carpentry Siding Preferred Consider* Preferred Preferred Preferred Carpentry Installation of Cabinet Work or Interior Trim; Countertop and Cabinet Installation; hardwood floor finishing and installation Carpentry Multi-Family Dwellings 3 Stories or Less (For, carpentry not involving building structures. Contact your underwriter.) (Applies in DC, FL, and VA only for ) Carpentry NOC (For, carpentry not involving building structures) Consider Consider Consider Consider Consider Carpentry Shop Only & Drivers Carpet/Floor Covering Installation (WC binding authorized only if no unins. subs used) Carpet, Rug, Furniture Upholstery Cleaning On Customer s Premises Ceiling Installation Suspended Acoustical other than metal Ceiling Installation Suspended Acoustical metal Central Vacuum Systems Concrete Floors, Driveways, or Sidewalks Concrete Construction NOC 3 stories or less Consider** Consider** Consider** Consider** Consider** Concrete Construction Residential footings and foundations; no foundation repair Preferred* Preferred* Preferred* Preferred* Preferred Concrete Power Washing no height exposure N/A Consider Consider Consider Consider Conduit Construction Including Drivers N/A Consider** Consider** Consider Consider** Debris Removal in connection with construction operations only, no building demolition work

3 Door Installation Drywall/Sheetrock Electrical Apparatus Installation within buildings; no work above 480 volts and/or no industrial work. Electrical no work above 480 volts and/or no industrial work. Excavating Commercial or Multi- Occupancy Structures, no logging/tree removal or demolition Excavating Single Family Dwellings, no logging/tree removal or demolition Preferred Preferred* Preferred Preferred Preferred Preferred Preferred* Preferred Preferred Preferred Consider** Consider** Consider** Consider** Consider** Preferred** Preferred** Preferred** Consider Preferred Executive Supervisor (as governing class) N/A Preferred Undesirable Preferred Preferred* Fence Installation and Repair Preferred Preferred* Preferred* Preferred* Preferred* Garage Doors Consider Consider* Consider Consider Consider Gas Construction Glazier Away From Shops & Drivers Consider* Consider* Consider* Consider* Consider* Grading no logging/tree removal or demolition Preferred* Preferred* Preferred* Consider Preferred* Gutter Installation Handyperson (Contact your underwriter) Consider Consider Consider Consider Consider Home Furnishings Installation Home Inspectors N/A Consider Undesirable Undesirable Undesirable HVAC Duct Work- GL binding authorized only if no crane operations are conducted by insured, but subcontracting crane work to insured subcontractor is acceptable. No industrial work is performed. HVAC Duct Work WC/GL binding authorized only if no industrial work is performed Insulation - WC/GL binding authorized only if no industrial work performed N/A Preferred Preferred Preferred* Preferred* Interior Designers (for, contact underwriter) Iron or Steel Erection Construction of Dwellings 2 Stories N/A Consider** Consider Consider** Consider Iron Works Shop Decorative & Drivers Iron/Steel Fabrication Shop Ornamental & Drivers Irrigation/Drainage System Janitorial Services Construction-related (No residential or office janitorial services) Consider* Consider* Consider* Consider* Consider*

4 Landscaping Gardening & Drivers (No DOT work) Lathing & Drivers Lawn Maintenance Masonry less than 3 stories Preferred* Preferred* Preferred* Preferred* Preferred Millwright Work NOC & Drivers Incl HVAC No industrial machinery or repair; any crane operation conducted by insured must be through insured subcontractors. Nursery Plants Ornamental Metal Works (for, Decorative or Artistic) Painting Exterior - less than 3 stories Preferred* Preferred* Preferred* Preferred* Preferred Painting/Paper Hanging - Interior Preferred* Preferred* Preferred* Preferred* Preferred Paper Hanging & Drivers No Painting Pest Control N/A Preferred* Undesirable Undesirable Undesirable Phone/Cable/Intercom/Wireless Residential Installation; No height exposure Pile Driving N/A Consider** Consider** Consider** Preferred** Plastering NOC & Drivers Consider Consider Consider Consider Consider Plumbing No Sprinkler Installation (Commercial No boiler work) Plumbing No Sprinkler Installation (Residential) Preferred Preferred Consider Preferred Preferred Power Washing - Decks and Houses N/A Consider Consider Consider Consider Project or Construction Manager N/A Preferred Undesirable Preferred Preferred* Property Management N/A Consider Consider Consider Consider Real Estate Agent; only undesirable as a governing class and not in conjunction with a carpentry or sonctruction code Remodeler No Fire or Water Restoration or Major Renovation; Limited Scope Real Estate Appraiser N/A Consider Undesirable Consider Consider Retail Dealers Roofing consult Underwriting Guidelines N/A Consider** Consider** Consider** Consider Septic Tanks N/A Consider* Consider** Consider** Consider* Septic Tank Cleaning Consider Consider Consider Consider Consider

5 Septic Tank Installation/Service & Repair Consider** Consider* Consider** Consider* Consider* Sewer Construction All Operations & Drivers Sheet Metal Works Outside (Sheet Metal Shop/ Install) Spa/Whirlpool Installation Stone Cutting/Polishing Stone/Brick/Masonry Preferred* Preferred* Preferred* Preferred* Preferred Street/Road Construction: Paving or Repaving & Drivers Residential-related; No Freeways, Highways or Major Metro Areas; no bridge/ tunneling work Stucco No Application of Waterproof Sealants Consider** Consider** Consider** Preferred Preferred Surveying/Land Planning N/A Consider Consider Consider Consider Swimming Pool Construction N/A Consider* Undesirable Consider* Consider* Swimming Pool Servicing (No Construction) Consider* Consider* Consider* Consider* Consider* Telephone Cable Installation (WC considered only if no overhead work incl no pole climbing and no work from ladder or bucket truck) Telephone or Fire Alarm Line Construction & Drivers Tile, Stone, Mosaic or Terrazzo Work Interior Construct Only Tree Removal Trenching Water Main Construction Residential Only; no gas construction Waterproofing Commercial (WC considered only if no work at height, such as from ladders, scaffolds, harnesses, boom/bucket lifts, etc.) Welding or Cutting NOC & Drivers N/A Consider** Undesirable Consider Consider Wholesale Dealer/Distributor Construction- Related Only

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