COMMERCIAL LINES UNDERWRITING MANUAL Special Risk Topics
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1 Vector Artisan Contractor Program ification Appliances and Accessories Installation, servicing and repair of household appliances & accessories. No commercial appliances Stoves Washers, Dryers Including Laundromat Appliance Repair- toasters, blenders,etc. TV installation, service or repair Stereo or sound systems Refrigerators household Cable TV hookup Cable or Subscription Television TV see Appliance Repair Installation of low voltage wiring and Lines pole to house only equipment at customer premises no Okay to use ditch witch for underground cable line construction For satellite dish cables installation, see Carpentry Residential Only. Includes framing, woodwork, trim, wooden doors, cabinet installation, shelving and rough carpentry work. NO roofing or exterior work on buildings exceeding 3 stories. Carpentry Commercial Only. Includes framing, woodwork, trim, wooden doors, cabinet installation, shelving and rough carpentry work NO roofing or exterior work on buildings exceeding 3 stories Includes interior and exterior work Cabinet installation Door installation Framing contractors Garage door installation Wood siding installation for metal, see Siding Installation class Trim or finish work Installation of plywood flooring for hardwood floor installation, see Floor Covering class Window installation other than glass replacement Work must be limited to residential property Wood decks and porches Framing, trusses and plywood installation for roofing Same as above; commercial Same as above Hurricane shutters Air conditioning see Heating AC class LP Gas For commercial refrigeration see Refrigeration class Garage door openers see Electrical Apparatus class Lines pole-to-pole For satellite dishes see Satellite class Cabinet manufacturing Refinishing of floors or furniture Dock construction Hurricane shutter installation Wood playground equipment Exterior construction over 3 stories Roofing shingles, papering, tarring, etc. SRT-2-1 Ed
2 ification Carpet, Rug, Furniture or Upholstery Cleaning on customer premises Ceiling or Wall Installation metal Concrete Construction Buildings & Dwellings. Includes pouring, placing & finishing concrete. NO exterior work on buildings exceeding 3 stories, pool construction or concrete coring/cutting operations Driveway, Parking Area or Sidewalk Includes pouring, placing & finishing of above-grade concrete flatwork, asphalt or paver installation. No street or road work. No excavation. Drywall or Wallboard Installation No insulation work. Electrical Apparatus Work no power line construction, burglar or fire alarm system work. Electrical Work within Buildings no power line construction, burglar or fire alarm system, electrical machinery or auxiliary apparatus work. Furniture cleaning Rug or carpet dying Suspended acoustical ceiling Metals beams or framing Aluminum and rubber siding to install wall Metal sheds check if pouring concrete also use concrete class Screen enclosures Patio construction Foundations/ slabs Concrete Floors Gutters Decorative cement wall or fencing Buildings or dwellings only Pumping of concrete Sidewalks Parking lots Driveway Curbs Painting of yellow strips on lots Sheet rock installation Taping and finishing drywall Fence Erection Contractors No childsafety or electrically charged fencing. No exterior spray painting Pump motor repair Garage door openers Computer line installation Wiring within buildings Installation of outlets, electrical panels Intercom installation Underground power lines Vacuum cleaner systems OK to use ditch witch for underground lines Wooden or metal Mailbox installation Real estate sign installation Janitorial work No floor waxing or buffing Water or fire damage restoration Metal door/window installation Pile driving concrete columns Pool construction Sewer work Exterior construction of property over 3 stories Man holes Retaining or seawall construction or repair Street or road work Man holes Insulation work, sealer between walls sprayed or rolled is considered insulation work Power line construction burglar or fire alarm system work Vehicle, truck or boat repair Power line construction to pole Burglary alarm work Electrical machinery or apparatus work Garage door installation electrical Machinery installation or repair Pump installation or repair Motor repair Child-proof pool fences Electrically-charged fencing Barbed wire fencing SRT-2-2 Ed
3 ification Floor Covering Installation No dealers. Installation of carpeting, laminate and hardwood flooring. Ceramic tile, stone, marble or terrazzo work should be separately classified. Glazier bending, grinding, beveling or silvering of plate glass, no work on buildings exceeding 3 stories in height. Heating and Air Conditioning Systems or Equipment installation, service or repair No refrigeration, natural gas or liquefied petroleum gas (LPG) equipment sales or work. House Furnishing Installation Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. No furniture repair or moving services. Janitorial Office only, No residential, retail work or sales of chemicals or cleaning supplies. Landscape Maintenance & Gardening Basic landscape/lawn care servicemowing, mulching, planting, over-thecounter fertilizer/weedcontrol--no pesticides, tree trim/removal, fountain, pond or cement work Masonry Residential Only. Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work- NO work on buildings exceeding 3 stories or cast-inplace concrete work. Painting Buildings & appurtenant structures only, incl. walkways/fences, surface prep & faux/texture painting- NO work on tanks, buildings exceeding 3 stories, exterior spray painting or roof painting. Carpet installation Linoleum sheets or square tiles Hardwood floors Glass window replacement For entire window, see Carpentry class Glass tinting Installation of ducts and vents Freon installation Air freshener installation Duct cleaning Draperies and curtains Window shades and blinds Mirrors Pictures Closet Organizers Glass Shower Stalls Offices only Rubber flooring Glass or window replacement or tinting in cars or trucks Installation, service or repair of LPG units Refrigeration installation or repair Solar panels Furniture repair Commercial installation in hotels/motels, etc. Waxing floors Housecleaning Interior rent-a-plant business Laying of sod only if not a nursery selling sod Nurseries Trimming of bushes Tree trimming, removal or pruning Spraying non-pesticides Grading of land Land clearing Pesticide spraying Bricklaying Concrete block laying Building or block, stone or brick Marble work Decorative retaining wall block, stone or brick less than 4 feet in height Stone setting Decking around pool no pool or pool lip work Refinishing bath tubs Application or sealing applied to river rock Pressure washing prep for painting only Interior spray painting only Chimney construction or work Structural retaining walls Exterior spray painting Painting of tanks Painting of roofs Interior decorators or custom finishes SRT-2-3 Ed
4 ification Paperhanging - Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings. Plastering or Stucco Work - Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. Plumbing Residential & Incidental Commercial NO fire sprinkler, liquefied petroleum gas (LPG), septic tank, excavation, swimming pool, process piping, public utilities, hospital, or industrial work. Refrigeration Equipment installation, service and repair of commercial refrigeration systems. No liquefied petroleum gas (LPG) equipment sales or work. Satellite Dish Installation, Service or Repair No work on buildings exceeding 3 stories in height Siding & Gutter Installation Includes soffit/fascia & decorative shutters--no spray on siding, roofing, roof flashings or work on buildings exceeding 3 stories. See Carpentry for wood siding. Sign Painting or Lettering no sign erection work above the first floor level. Swimming Pool Maintenance Routine maintenance of water chemical balance, cleaning/replacing filters, vacuuming & scrubbing--no installation, service, repair. No resurfacing, painting or pump work. Telephone Equip Installation--wiring, cables & circuits for telephone and communications equip. operating at <50 volts. NO telephone line construction, burglar, fire alarm or emergency systems work Plastering, plain or ornamental Lathing Spraying of popcorn, orange peel or knock down texture to ceilings or walls Lawn sprinkler installation Water softener installation Okay to break concrete and repairs to install pipes Lay sewer line or pipe drain Use ditch witch for underground lines Installation, service or repair Repair freezers and refrigeration equipment for commercial stores Exterior insulation work Finish systems work Swimming pool work Fire sprinkler work LPG equipment work Septic tank work Commercial work exceeding 20% or total receipts Household refrigerators, see Appliance Repair class Installation, service or repair Aluminum or vinyl installation Includes soffit work Storm or hurricane shutters Decorative shutters when incidental to siding Spray-on siding installation See Carpentry class for wood siding installation Includes sign painting with the aid of a computer Pump and filter removal and installation Pool cleaning Chemical maintenance Incidental pump repair House-to-pole connections Voice and data lines Okay to use ditch witch for underground lines Sign painting on cars, trucks or boats Underground work Re-plastering or marciting of pools Installation, service or repair of pools Concrete construction Line construction to utility pole, pole-to-pole SRT-2-4 Ed
5 ification Tile, Stone, Marble, Mosaic or Terrazzo Work Installation and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations Cutting and polishing tile for installation Sandblasting Chimney installation, service or repair Swimming pool installation, service or repair Manufacturing SRT-2-5 Ed
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