American Resources Insurance Company

Transcription

1 Businessowners ifications Code Rate # Air Conditioning Equipment - Retail Only Appliances - Household Wholesale Retail Army and Navy Stores Art Galleries Includes household appliances, radio, TV, home theaters, etc. See separate class below for computer stores Auctioneers Automobile Parts and Supplies Wholesale Retail No installation or vehicle service work. Incidential machining acceptable. Bakeries Wholesale Retail Barber or Beauty Shop Supplies Wholesale No re-packaging or re-labeling for "own brand" retail sale Barber Shops Beauty Parlors and Hair Styling Salons (Including Nail Salons) Beverage Stores - Liquor and Wine Off premises consumption only Bicycle Shops Repair work less than 25% of total Bookbinding and Printing Supplies Wholesale Retail Books and Magazines Stores Camera and Photographic Equipment Candy or Confectionary Stores Catalog or Premium Coupon Redemption Stores Ceramics - Retail Only Clothing or Wearing Apparel Wholesale Retail Collectibles and Memorabilia Wholesale Retail Computer Stores Includes cell phone stores

2 Businessowners ifications Code Rate # Convenience Food Stores Without Gas - No Restaurant With Gas - No Restaurant For the four Convenience Store classes below which include restaurant, liability coverage is rated based on gross sales. Include store sales and restaurant receipts. Do not include gasoline or lottery ticket sales. With Limited Cooking - No Gas With Fast Food - No Gas With Limited Cooking - With Gas With Fast Food - With Gas Copying and Duplicating Stores Cosmetic, Hair or Skin Preparation - Retail Only Dairy Products (Including Ice Cream) Delicatessens Use Restaurant class if cooking Dental Laboratories Department Stores Drugstores Dry Goods Dealers - Retail - Including Fabrics, Yarn and Piece Goods - (New Goods Only) Dwellings - (Lessor's Risk Only) Incidental to otherwise eligible occupancy. Electrical Lighting Stores Electronics Stores Engraving Equipment, Fixtures or Supplies Wholesale Office and Store Equipment If installation receipts are more than 25% of total, rate under contractor Restaurant, Bars and Hotel Equipment section Fabric Wholesale Retail Feed, Grain or Hay Dealers Fence Dealers Fertilizer Dealers Floor Covering Wholesale Retail Separately rate installation using contractors code if more than 10% of total sales

3 Businessowners ifications Code Rate # Florists Wholesale Retail Fruit or Vegetable Wholesale Dealers Funeral Homes or Chapels Furniture - Retail Only Gardening and Light Farming Supply Wholesale Retail Gift Shops Glass Dealers - Retail Only Grocery Wholesale Retail - Without Gasoline Sales Retail - With Gasoline Sales Hardware and Tools Wholesale Retail Health or Natural Food Stores Hearing Aid Wholesale Retail Heating or Combined Heating and Air Conditioning equipment - Wholesale Only Hobby, Craft or Artists' Supply Wholesale Retail Home Furnishings Stores Home Improvement Stores Janitorial Supplies Wholesale Retail If installation is performed, classify using contractor's section Retail grocery stores are limited to a maximum of 4000 square feet. Larger stores may be written on a CPP

4 Businessowners ifications Laundry and Dry Cleaning Code Rate # Laundry and Dry Cleaning or Dyeing Receiving Stations Laundry and Dry Cleaning Plants - Using petroleum solvents Laundry and Dry Cleaning Plants - Using synthetic solvents (including perchloroethylene) Laundromat (Self-service) Attended only - not open 24 hours Leather Products or Hide Stores - Retail only Lithographing Locksmiths Luggage Goods - Retail Only Mail Box or Packaging Stores Mail Order Houses - Retail Only Includes internet retailers Mailing or Addressing Companies Marble Products - Retail only Meat, Fish, Poultry or Seafood Wholesale Retail Medical, Hospital & Surgical Supply - Retail Only Motels Liability coverage for motels is rated based on gross sales. Include sales from all sources, including restaurant sales. No Restaurants All motels With Limited Cooking Restaurants must be With Fast Food Restaurants fully sprinklered. Music Stores - Pre-recorded Musical Instrument Stores Nail Salons Newsstands Office Machines or Appliances Wholesale Service and repair less than 25% of Retail total gross receipts Optical Goods Wholesale Retail Includes retail sunglass stores

5 Businessowners ifications Code Rate # OFFICES Lessor's Risk Only Accounting Services & CPAs Advertising and Related Services Bookkeeping Services Engineers or Architects - Consulting - Not engaged in actual construction Inspection and Appraisal Companies - Inspecting for insurance or valuation purposes Insurance Agents Interior Decorators Lawyers Personal Injury And Advertising Injury Excluded Manufacturers' Representatives Product liability must be excluded. Marine Appraisers or Surveyors Medical Offices Not Otherwise ified Subject to underwriter approval Payroll Accounting Services Real Estate Agents Ticket Agencies Title Agents Veterinarians Office Sales agencies only. No active property management, short term rental or construction activities. Paint, Wallpaper or Wallcovering Stores Painting, Picture or Frame Stores Pet Stores Photographers Photographic Equipment - Retail only Photoengraving Plumbing Supplies and Fixtures Wholesale Includes counter tops, sinks, tubs and Retail related items Precision and Scientific Tools and Instruments Printing Refrigeration Equipment - Commercial Wholesale Retail Retail Stores (Not Otherwise ified) Subject to underwriter approval

6 Businessowners ifications Code Rate # RESTAURANTS Liability coverage for all restaurant classes is rated based on gross sales. Sales from "drive-through" operations and from delivery, are subject to a reduction of 65%. (See state page for example). Casual Dining Fast Food Restaurants Fine Dining Limited Cooking Restaurants Seed Merchants Self-storage Facilities Sewing Machine Stores Ship Chandler Stores Shoe Stores With Repair Retail Sporting Goods or Athletic Equipment Stores (Including Apparel) Stationery or Paper Products Wholesale Retail Tailoring or Dressmaking Taxidermists Toys Wholesale Retail Trophy Stores Variety Stores Video Stores Wigs - Retail only Wood Products - Not Otherwise ified - Retail only Excluding misdelivery or germination failure Less than 25% guns and ammunition.