Standard Insurance Requirements. Auto Liability (Corporate Coverage)** UMBRELLA
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1 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Accounting Services X Advertising Services = X $1,000, Air Conditioning Systems or Equipment - dealers or distributors and installation, servicing or repair Airport Runway or Warming Apron - paving or repaving, surfacing, resurfacing or scraping Alarms and Alarm Systems - installation, servicing or repair X* Appliances and Accessories installation, servicing or repair - commercial X* Architects or Engineers - consulting - not engaged in actual construction X* $1,000, Armored Car Service Companies Asbestos - testing X* $500, Service Exclusion See Risk regarding small architectural projects Exclusion (this is for natural elements) Asbestos - abatement/removal Athletic Programs X Attorney Office X Auctioneers - sales conducted away from the insured s premises X applies only to risks engaged in removal, replacement, repair, enclosure or encapsulation of any material from a building or structure because the material is harmful to human health. Automobile Repair or Service Shops Garage Keepers Blasting Operations Boiler Inspection, Installation, Cleaning or Repair Bridge or Elevated Highway Construction - concrete Bridge or Elevated Highway Construction - iron or steel Building Structure - raising or moving commercial properties Building Structure - raising or moving (1-4 family dwelling) residential properties
2 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Cable Installation in Conduits or Subways Caisson or Cofferdam Work - foundations for buildings Caisson or Cofferdam Work - not foundations for buildings Carpentry - construction of residential property not exceeding three stories in height Carpentry NOC Carpentry - interior X* Carpentry - shop only X* Carpet, Rug, Furniture or Upholstery Cleaning X Caterers X* Ceiling or Wall Installation - metal Chimney Cleaning Cleaning - outside surfaces of buildings Communication Equipment Installation - industrial or commercial Computer Consulting or Programming X* X $1,000, Computer Service or Repair X Collection Agencies X This classification includes:the installation of doors, floors, windows, cabinets and hardwood or parquet flooring Ceiling or wall installation other than metal shall be separately classified and rated as "Dry Wall or Wallboard Installation" or "Carpentry". applies to risks primarily engaged in cleaning the outside surfaces of buildings, including power washing with water or laserbeam techniques. applies to risks providing computer consulting services including custom designed computer programs, instruction or data retrieval services. services are excluded installation, service or repair of computers or computer-related equipment not sold Concessionaires (no liquor) X applies to concessionaires selling beverages or food by means of hawking or peddling at exhibitions, parks, shows, sports contests or theaters Concessionaires (liquor) X Liquor $1,000, applies to concessionaires selling beverages or food by means of hawking or peddling at exhibitions, parks, shows, sports contests or theaters
3 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Concrete Construction Conduit Construction for Cables or Wires Consultants Also see Computers, Ergonomics, Feasibility, Financial, Marketing, Planning, Wellness and Zoning X Contractors Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others with operators Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others without operators Contractors Equipment - earth moving equipment other than cranes, derricks and power shovels - rented to others with operators Contractors Equipment - earth moving equipment other than cranes, derricks and power shovels - rented to others without operators Contractors Equipment - excluding automobiles - rented to others with operators NOC Contractors Equipment - excluding automobiles - rented to others without operators NOC Contractors Equipment - hod or material platform hoists and equipment incidental thereto - rented to others with operators Contractors Equipment - hod or material platform hoists and equipment incidental thereto - rented to others without operators Contractors Equipment - ladders, scaffolds, scaffolding, sidewalk bridges, towers and equipment incidental thereto - rented to others Contractors Equipment - scaffolds, sidewalk bridges, hod or material hoists towers - rented to others - installation, repair or removal operations only Contractors Equipment - steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental thereto - rented to others with operators includes foundations, making, setting up or taking down forms, scaffolds, false work or concrete distributing apparatus. NOC may be required classification applies only where there is no other appropriate classification assignable
4 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Contractors Equipment - steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental thereto - rented to others without operators Copying and Duplicating Services X Credit Reporting Agencies X Crop Spraying - by contractors applies to those risks solely engaged in the Debris Removal - construction site removal of debris in connection with construction or erection. Detective or Investigating Agencies X Personal and Advertising Excluded Diagnostic Testing Laboratories Dike, Levee or Revetment Construction X $500, Service Exclusion Door, Window or Assembled Millwork - installation - metal Draftsmen Service Exclusion X $500, Drilling - water Drilling - other than water NOC Driveway, Parking Area or Sidewalk - paving or repaving Dry Wall or Wallboard Installation Electric Light or Power Line Construction Electrical Apparatus - installation, servicing or repair X* Electrical Contractors NOC Refer to "Electrical Apparatus - installation, servicing or repair" or "Electrical Work - within building". Electrical Work - within buildings X* Elevator or Escalator Inspecting, Installation, Servicing or Repair Employment Agencies X applies to risks engaged in wiring in buildings and includes installation or repair of electrical fixtures and appliances and incidental outside work.
5 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Engineers or Architects - consulting - not engaged in actual construction $1,000, X* Engraving X Entertainment Performed on Others' Premises X Ergonomics Consulting X Escrow Agencies X Excavation Farm Machinery Operations - by contractors Feasibility Studies/Consultants X Fence Erection Contractors Financial Planning Consultant X Fire Extinguishers - servicing, refilling or testing X Fire Suppression Systems - installation, servicing or repair X Fireproofing - structures Fireworks Exhibitions - sponsor's risk only - Not-For-Profit only Floor Covering Installation - not ceramic tile or stone X* Floor Waxing X* Fumigating Furniture or Fixtures - installation in offices or stores - portable - metal or wood X* Garbage, Ash or Refuse Collecting Gas Mains or Connections Construction Geophysical Exploration - All methods X* NOC Glass Dealers and Glaziers X* Grading of Land Grandstands or Bleachers X Greenhouse Erection Guniting or Shot-crete Handyperson X applies to risks in the business of providing architectural or engineering consulting services but not engaged in actual construction. Exclusion. includes incidental sales and the installation, servicing or repair of alarms which are part of the system does not apply where the insured performs janitorial services at the same location.
6 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 applies only to risks engaged in removal, replacement, repair, enclosure or Hazardous Material Contractors encapsulation of any material from a building or structure because the material is harmful to human health. Heating or Combined Heating and Air Conditioning Systems or Equipment installation, servicing or repair NOC Inspection and Appraisal Companies - inspecting for insurance or valuation purposes X auto needed, IF auto is used in the course Instructors, non-medical of the work, NOT just to drive to the X* location Instructors, medical X* $1,000, Insulation Work - organic or plastic in solid state Insulation Work - plastic Interior Decorators X Internet Service Providers X Exclusion Auto needed, IF auto is used in the course of the work, NOT just to drive to the location Irrigation or Drainage System Construction Janitorial Services X* Jetty or Breakwater Construction applies to all operations other than blasting Laboratories - research, development or testing - Other than Not-For-Profit X* $500, Exclusion this is for natural elements not medical Landscape Gardening/ Weed and Veg Control X $1mil pest/herb pollution liability Laundry and Dry Cleaning X Laundry Rental Service X Lawn Care Services X Leases w/tenants on County Property Refer to Risk for Habitational Properties Locksmiths X Machine Shops X* NOC Machinery or Equipment - farm - installation, servicing, repair or erection Machinery or Equipment - industrial - installation, servicing or repair Mailing or Addressing Companies X 45937
7 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special Marine Appraisers or Surveyors "4" = $5,000,000 Service Exclusion $500, X Marketing Consultant X Masonry Metal Erection - decorative or artistic Metal Erection - frame structures iron work on outside of buildings Metal Erection - nonstructural NOC Metal Erection - steel lock gates, gasholders, standpipes, water towers, smokestacks, tanks, silos, prison cells, fire or burglarproof vaults Metal Erection - structural NOC Hold Harmless Agreements may be Motion Picture Production All Inside or Out required Office Machines or Appliances - installation, inspection, adjustment or repair X Office Machine or Appliance Stores X * *Stores NOC Oil or Gas Painting - exterior - buildings or structures - exceeding three stories in height Painting - exterior - buildings or structures - three stories or less in height Painting - interior - buildings or structures X Painting - oil or gasoline tanks Painting - steel structures or bridges Paperhanging X SEE SAFETY AND RISK MANAGEMENT Parking - public - open air X Garage Keepers Legal Parking - public - not open air Garage Keepers X Legal Payroll Accounting Services X Pest Control Services Photographers X Pipeline Construction - gas or oil
8 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Pipeline Construction - other NOC Planning Consultants X Plastering or Stucco Work Plumbing Includes lift station rehabilitation Prefabricated Building Erection Printing - Other than Not-For-Profit X Real Estate Property Managed X Recreational Activities- County Sponsored 2 see notes refer to Risk, auto exposures varies Refrigeration Systems or Equipment - dealers and distributors and installation, servicing or repair - commercial Renovating - outside surfaces of buildings X* Restaurants - operated by concessionaires - Other than Not- For-Profit (no liquor) X Restaurants - operated by concessionaires - Other than Not- For-Profit (liquor) X Liquor $1,000, Rigging - not ship or boat Roofing - commercial Roofing - residential Sales or Service Organizations X* applies only to risks the majority of whose employees are chiefly engaged away from premises owned, rented or controlled includes incidental wrecking, shoring or Salvage Operations other structural work, and the handling of machinery in damaged buildings Salvage Operations - removing, sorting, reconditioning and distributing of merchandise in damaged buildings Sand or Gravel Digging Sandblasting Scientific Services X* # #see Labs Security and Patrol Agencies/Card Access Secur, Security Guards-Armed X* Septic Tank Systems - cleaning X* Septic Tank Systems - installation, servicing or repair X* Sewer Cleaning/Sewer Lining X* 98813
9 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Sewer Mains or Connections Construction Shaft Sinking Sheet Metal Work - outside Sheet Metal Work - shop only X* Siding Installation Sign Erection, Installation or Repair Sign Painting or Lettering - inside of buildings X* Sign Painting or Lettering - on buildings or structures Solar Energy Contractors Speakers, Entertainers, Trainers Special Events on County Property/Buildings, low risk 1 see notes 0 refer to Risk, auto exposures varies Special Events on County Property/Buildings, high risk 2 see notes 0 refer to Risk, auto exposures varies Steam Mains or Connections Construction Steam Pipe or Boiler Installation Stevedoring Street Cleaning Street or Road Construction or Reconstruction Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping Surveyors - land - not engaged in actual construction Service Exclusion X $500, Tank Construction, Installation, Erection or Repair - metal - not pressurized X* NOC Tank Construction, Installation, Erection or Repair - metal - not pressurized - within buildings exclusively X* Tank Construction, Installation, Erection or Repair - metal - pressurized Tank Construction, Installation, Erection or Repair - metal - pressurized - within buildings exclusively Telecommunication Equipment Providers X* Telecommunication Service Providers X* Telephone, Telegraph or Cable Television Line Construction Tent or Canvas Goods - erection, removal or repair Theaters - Not-For-Profit only X 49185
10 in appropriate limit selection. Insurance requirements are divided into, and an Umbrella Limit requirement. A Workers the column entitled, OK? The last column is for special "4" = $5,000,000 Theaters - Other than Not-For-Profit X Theatrical Companies - traveling X Tile, Stone, Marble, Mosaic or Terrazzo Work - interior construction X* Towing Services - motor vehicles X NO GL Classes, See Auto Section in CLM Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating X* Tunneling Underpinning Buildings or Structures Utility Locator Service Vending Machine Operations X Warehouses Water Mains or Connections Construction Water Softening Equipment - installation, servicing or repair X* Waterproofing - All applications Web Site Designers X Welding or Cutting X* Wellness Consultant X Window Cleaning (ground level) X* Window Cleaning (above ground level) X* Window Decorating X* Wrecking - buildings or structures Zoning Consultant X ** Autos used in business must be commercially insured. No permissive use from Personal Lines Policies NOC
Professional Service Exclusion. projects. Professional $1,000,000. Liability = Air Conditioning Systems or Equipment - dealers or
, Auto and an Umbrella Limit requirement. Workers Auto Accounting Services 1 1 0 61224 Advertising Services 1 1 0 Air Conditioning Systems or Equipment - dealers or distributors and installation, servicing
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