Condominiums Condominium - Residential Condominium (Association risk only) - All units must be 100% complete & full ownership transferred to the association. 69145 Must be 25 years or newer & 3 stories or less. Sold rate must be at least 75%, and there can be no rental of units. Swimming pools - no diving boards or slides. D&O coverage available. Contractors Air Conditioning Systems or Equipment 74011 74021 Ineligible: Mechanical contractors or solid fuel (wood, coal, etc.) heating stove installation, service, or repair. Appliances and Accessories - Commercial Appliances and Accessories - Household 74071 74081 Ineligible: Appliance installation. Not available in Illinois. $250 per 74101 74111 Ineligible: Appliance installation. Not available in Illinois. $250 per Carpentry Interior 74221 74231 Ineligible: Exterior residential/commercial work such as decks, window & door installation, siding, roofing, framing, additions, foundation repair, or gutter work Carpet, Rug, Furniture or Upholstery Cleaning - on Customer's premises Ceiling or Wall Installation - Metal only 74251 74261 74281 74291 $250 per Driveway, Parking Area or Sidewalk Repair - Paving or Re-paving Dry Wall or Wallboard Installation Electrical Work Fence Erection Contractors (Only applies to risks that install or erect fences.) Floor Covering Installation Not Ceramic Tile or Stone Furniture or Fixtures Installation in Offices or Stores Portable Metal or Wood - Office Glass Dealers and Glaziers Sales and Installation (Includes bending, grinding, beveling or silvering of plate glass.) Heating or Combined Heating & Air Conditioning Systems or Equipment Dealers or Distributors & Installation, Servicing or Repair No LPG Equipment Sales or Work House Furnishings Installation Not Otherwise ified (Includes incidental upholstering and floor covering installation) Interior Decorators 74471 74481 74501 74511 74561 74541 74591 74601 74651 74661 74681 74691 74741 74751 74771 74781 74831 74841 74861 74871 Ineligible: Foundation work or digging and pouring concrete floors Ineligible: Exterior work Ineligible: Security System, Burglar Alarm, Fire Alarm, and Automatic Sprinkler system work Residential work only, and no retaining wall work. Ineligible: Residential window installation No garagekeeper's coverage included. Ineligible: Mechanical contractors or commercial boiler work. Ineligible: Appliance installation Landscape Gardening - No Tree Removal or Excavation 74891 74901 Ineligible: Tree trimming $250 per Lawn Sprinkler Installation 74951 74961 $250 per Masonry Metal Erection - Decorative or Artistic 75511 75521 75541 75551 Ineligible: Foundation or retaining wall work Ineligible: Stairs or stair railing work Not available in Illinois. 4-2013 1
Painting - Exterior - Buildings or Structures - 3 stories or less in height (Not Otherwise ified) 75601 75611 Ineligible: Work done above 3 stories or risks with prior claim activity. Not available in Illinois. $1,000 per claim Painting - Interior Buildings or Structures Paper Hanging 75631 75641 Ineligible: Work done above 3 stories $250 per claim 75691 75701 Plumbing - Commercial (Not Industrial) 75781 75791 Ineligible: Mechanical contractors, commercial boiler work, and fire suppression system - sprinkler work. Not available in Illinois. $1,000 per Plumbing - Residential or Domestic 75811 75821 Ineligible: Mechanical contractors, commercial boiler work, and fire suppression system - sprinkler work. $1,000 per Residential Cleaning Services (includes residential & commercial cleaning) 76221 76231 Ineligible: Polishing and waxing of commercial flooring. $250 per Septic tank systems - Cleaning Sign Painting or lettering - Inside of Building - no Spray Painting (Includes shop operations and the existence hazard of signs located away from the insured's premises.) Tile, Stone, Marble Mosaic or Terrazzo Work - Interior Construction (Includes incidental exterior work.) 75961 75971 76051 76061 76111 76121 Ineligible: Septic Sewer installation work Window Cleaning - 3 stories or less in height 76171 76181 Convenience Store Convenience Food Stores - With Fast Food Restaurant - No Gasoline Sales Convenience Food Stores - With Fast Food Restaurant With Gasoline Sales 09341 09361 Convenience Food Stores - With Gasoline Sales - No Restaurant Convenience Food Stores - With Limited Cooking Restaurant - No Gasoline Sales Convenience Food Stores - With Limited Cooking Restaurant With Gasoline Sales 09321 09331 09351 Ineligible: 24-hour service and/or risks with no security measures (i.e., central station alarm) and auto repair work. Minimum 3 years ownership and insurance experience. Convenience Food Stores - Without Gasoline Sales - No Restaurant Laundry and Dry Cleaning 54036 Laundry and Dry Cleaning or Dyeing Receiving Stations 71811 Laundry & Dry Cleaning Stores - Using petroleum solvents (including Stoddard type solvents & other combustible hydrocarbon solvents) and having less than 3 pick-up stations 09501 Laundry & Dry Cleaning Stores - Using synthetic solvents (including perchloroethylene or other synthetic solvents) and having less than 3 pickup stations 09521 Inspection required Inspection required 4-2013 2
Motels Motels - No Restaurants Motels - With Fast Food Restaurants 69151 69171 Must be 30 yrs or newer, 4 stories or less & in a protected area. Swimming pools - no diving boards or slides, access must be controlled & may not be open to the public. Minimum 3 years insurance experience. Motels - With Limited Cooking Restaurants Office/Office Condo 69161 Accounting Services - CPAs - Lessors Risk Only Accounting Services - CPAs - Office (Exclusion - Financial Services must be attached) Accounting Services - Except CPAs - Lessors Risk Only Accounting Services - Except CPAs - Office (Exclusion - Financial Services must be attached) Advertising and Related Service - Lessors Risk Only Advertising and Related Service - Office Bookkeeping Services - Lessors Risk Only Bookkeeping Services - Office (Exclusion - Financial Services must be attached) Condominium - Office Condominium (Association risk only) Engineers or Architects - Consulting - Not engaged in actual construction - Lessors Risk Only Engineers or Architects - Consulting - Not engaged in actual construction - Office 60999 D&O Coverage available Professional Liability excluded Professional Liability excluded Health Maintenance Organizations - Lessors Risk Only Health Maintenance Organizations - Office Inspection & Appraisal Companies - Inspecting for insurance or valuation purposes - Lessors Risk Only Inspection & Appraisal Companies - Inspecting for insurance or valuation purposes - Office (Exclusion - Inspection, Appraisal & Survey Companies must be attached) Insurance Agents - Lessors Risk Only Insurance Agents - Office (Exclusion - Insurance and Related Operations must be attached) Interior Decorators - Lessors Risk Only 4-2013 3
Interior Decorators - Office Lawyers (Personal Injury And Advertising Injury Endorsement must be attached.) Lessors Risk Only Professional Liability excluded Lawyers (Personal Injury And Advertising Injury Endorsement must be attached.) Office Professional Liability excluded Manufacturers' Representatives - Lessors Risk Only Manufacturers' Representatives - Office Ineligible: Products that are manufactured, relabeled, modified, packaged, or reconditioned Marine Appraisers or Surveyors - Lessors Risk Only Marine Appraisers or Surveyors - Office (Exclusion - Inspection, Appraisal and Survey Companies must be attached) Medical Offices - Lessors Risk Only Medical Offices - Office Not Otherwise ified - Lessors Risk Only Refer to Underwriting Not Otherwise ified - Office Refer to Underwriting Payroll Accounting Services - Lessors Risk Only Payroll Accounting Services - Office (Exclusion - Financial Services must be attached) Real Estate Agents - Lessors Risk Only Real Estate Agents - Office (Limitation of Coverage - Real Estate Operations and Exclusion - Real Estate Agents or Brokers Errors or Omissions must be attached) Ineligible: Property Managers & Property Management Company exposures Ticket Agencies - Other Than Theatrical - Lessors Risk Only Ticket Agencies - Other Than Theatrical - Office Ticket Agencies - Theatrical - Lessors Risk Only Ticket Agencies - Theatrical - Office Title Agents - Lessors Risk Only Title Agents - Office Veterinarians Office - Lessors Risk Only Veterinarians Office - Office Ineligible: Work on large animals or exposure to exotic animals. Professional Liability available. 4-2013 4
Water Companies - Lessors Risk Only Water Companies - Office Processing/Service Appliances and Accessories - installation, servicing or repair - Commercial or Household 71212 Add PD deductible (per ) when installation, service, or repair work is present. Bakeries - Retail - With baking on premises 71311 Barber Shops 71332 Ineligible: Tanning beds, spas, and massage-type services. Professional Liability available. Beauty Parlors and Hair Styling Salons (Including Nail Salons) 71952 Ineligible: Tanning beds, spas, and massage-type services. Professional Liability available. Copying and Duplicating Stores 71877 Printers E&O available. Dental Laboratories 71444 Engraving 71842 Funeral Homes or Chapels 71865 Funeral Directors Professional Liability available. If cremation services are provided must refer to underwriting. Jewelry - Repair 71941 Ineligible: Body piercing. No jeweler's block coverage. Lithographing 71855 Mail Box or Packaging Stores - Packaging and Preparing Goods for Shipping 71837 Mail Box or Packaging Stores - Packaging Servicing (Except packing and crating for transportation) 71837 Mailing or Addressing Companies - Direct Mailing Companies 71837 Mailing or Addressing Companies - Mailing List Compiling Services/Mailing List Publishers 71837 Nail Salons 71952 Ineligible: Tanning beds, spas, and massage-type services. Professional Liability available. Photoengraving 71888 Photographers 71899 Printing 71912 Printers E&O available. Shoe Stores - Repair 71926 Tailoring or Dressmaking Establishments - Custom 71961 4-2013 5
Taxidermists 71976 Television or Radio Receiving Set Installation or Repair 71921 Restaurants Fast Food Restaurants - Cafes 09001 Fast Food Restaurants - Cafeteria Style - Buffet 09021 Fast Food Restaurants - Chicken 09031 Fast Food Restaurants - Concession Stands/Snack Bars 09051 Fast Food Restaurants - Delicatessens and Sandwich Shops 09071 Fast Food Restaurants - Donut Shops 09091 Fast Food Restaurants - Drive-Ins/Service in Car (When Drive-ins/Service in Car and any other eligible classification applies, rate and code the restaurant as Drive-ins/Service in Car.) 09111 Fast Food Restaurants - Drug Store Fast Food Restaurants - Hamburger/Malt Shops 09131 09151 Ineligible: Hired/Nonowned auto coverage if delivery is present. Sale of alcoholic beverages must not be greater than 25% of total sales. No bar or cocktail lounge. Catering must not exceed 10% of sales. Must be in protected area. No seasonal operations. UL 300 system required over grills and fryers. Seating capacity no greater than 150. Fast Food Restaurants - Hotdog Shops 09161 Fast Food Restaurants - Oriental Style 09181 Fast Food Restaurants - Other Ethnic Style 09191 Fast Food Restaurants - Pizza Shops 09201 Fast Food Restaurants - Roast Beef 09221 Fast Food Restaurants - Seafood Fast Food Restaurants - Take Out Only Restaurants - no on-premises consumption of food 09241 09271 Limited Cooking Restaurants - Cafes Limited Cooking Restaurants - Coffee Bars or Shops 09011 09041 Ineligible: Hired/Nonowned auto coverage if delivery is present. Sale of alcoholic beverages must not be greater than 25% of total sales. Catering must not exceed 10% of sales. Must be in protected area. No seasonal operations. Seating capacity no greater than 75. No grilling, broiling, deep fat frying, roasting, barbecuing, or other processes that would require an exhaust system. Limited Cooking Restaurants - Concession Stands/Snack Bars 09061 4-2013 6
Limited Cooking Restaurants - Delicatessens and Sandwich Shops 09081 Limited Cooking Restaurants - Donut Shops 09101 Limited Cooking Restaurants - Drive-Ins/Service in Car (When Driveins/Service in Car and any other eligible restaurant classification applies, rate and code the restaurant as Drive-ins/Service in Car.) 09121 Limited Cooking Restaurants - Drug Stores Limited Cooking Restaurants - Ice Cream and Yogurt Stores 09141 09171 Ineligible: Hired/Nonowned auto coverage if delivery is present. Sale of alcoholic beverages must not be greater than 25% of total sales. Catering must not exceed 10% of sales. Must be in protected area. No seasonal operations. Seating capacity no greater than 75. No grilling, broiling, deep fat frying, roasting, barbecuing, or other processes that would require an exhaust system. Limited Cooking Restaurants - Pizza Shops 09211 Limited Cooking Restaurants - Salad Bars Limited Cooking Restaurants - Take Out Only Restaurants - no onpremises consumption of food 09231 09261 Retail Stores Air Conditioning Equipment - Retail Only Appliance Stores - Household Appliances and Home Furnishings Appliance Stores - Radio, Television and Phonographic Stores (including parts and supplies) 57224 57326 Army and Navy Stores 53983 Ineligible: guns, firearms, and ammunition sales. Art Galleries - Not-For-Profit 84112 Ineligible: Risks with no security measures present. Art Galleries - Other Than Not-For-Profit 84112 Ineligible: Risks with no security measures present. Auctioneers - Sales conducted away from the insured's premises Automobile Parts and Supplies - Retail Stores (Including Tires) 55313 Ineligible: Auctions on premises. Ineligible: Tire installation, service, and repair work. No garagekeeper's coverage included. Bakeries - Retail - No baking on premises Beverage Stores - Liquor and Wine 54606 59215 If baking on premises, then see Bakeries processing/service. Must have Central Station Alarm system and safe on premises. No 24- hour service. Bicycle Shops - Repair and Maintenance Shops without Retail 59505 Ineligible: Rental exposures and cycling teams. Bicycle Shops - Retail 59505 Ineligible: Rental exposures and cycling teams. Bone, Horn and Ivory Products - Retail Only Bookbinding and Printing Supplies - Retail 50812 4-2013 7
Books and Magazine Stores - New 59425 Camera and Photographic Equipment - Retail Only 59965 Candy or Confectionery Stores 54446 Catalog or Premium Coupon Redemption Stores 73905 Ceramics - Retail Only Clothing or Wearing Apparel - Retail - Children's and Infants' Wear 56413 Clothing or Wearing Apparel - Retail - Clothing - Ladies' and Girls' (Coats, Suits and Dresses) 56214 Clothing or Wearing Apparel - Retail - Clothing - Mens' and Boys' (Coats and Suits) 56114 Clothing or Wearing Apparel - Retail - Family Clothing Stores 56325 Clothing or Wearing Apparel - Retail - Haberdashery and Men's Furnishings 56113 Clothing or Wearing Apparel - Retail - Hosiery 56313 Clothing or Wearing Apparel - Retail - Ladies' Specialty Stores 56319 Clothing or Wearing Apparel - Retail - Ladies' Undergarments and Lingerie 56312 Clothing or Wearing Apparel - Retail - Men's and Boys' Hats and Caps 50333 Clothing or Wearing Apparel - Retail - Shoe Stores - Children's, Ladies' and Men's 56613 Collectibles and Memorabilia - Retail 59992 Ineligible: Consignment sales. Computer Stores 57326 Ineligible: System development work. Cosmetic, Hair or Skin Preparation - Retail Only 59991 Dairy Products or Butter and Egg Stores (Including Ice Cream) 54516 Delicatessens - Primarily retailing a range of grocery items and meats (Use Fast Food or Limited Cooking Restaurant classification for Delicatessen restaurants.) 54016 Department Stores 53127 Drugstores Dry Goods Dealers - Retail - Including Fabrics, Yarn and Piece Goods - (New Goods Only) 59116 53985 Pharmacist's Professional Liability available. 4-2013 8
Electrical Lighting Stores Electronics Stores 57326 Equipment, Fixtures or Supplies Distributors - Office and Store Equipment 50813 Equipment, Fixtures or Supplies Distributors - Restaurant, Bars and Hotel Equipment 50813 Fabric - Stores 56311 Feed, Grain or Hay Dealers 59625 Fence Dealers Fertilizer Dealers Floor Covering - Except Wood or Ceramic tile Only 57134 Floor Covering - Stores - Wood or Ceramic Tile Only 57134 Florists - Retail 59685 Fruit or Vegetable - Dealers 54315 Furniture - Upholstered - Retail Only 57121 Furniture - Wood or Metal - Retail Only 57128 Gardening and Light Farming Supply - Retail 59698 Gift Shops 59994 Ineligible: Antique stores, secondhand, and consignment risks Glass Dealers and Glaziers - Retail Only 57155 Ineligible: Window installation or replacement work Grocery Stores - w/ an area at least 4000 square feet 54027 Grocery Stores - w/ an area less than 4000 square feet 54036 Hardware and Tools - Retail 52522 Ineligible: Gun sales Health or Natural Food Stores - with an area at least 4000 square feet 54027 Health or Natural Food Stores with an area less than 4000 square feet 54036 Hearing Aid - Retail 59944 Hearing Aid Establishments Professional Liability coverage available. 4-2013 9
Hobby, Craft or Artists' Supply - Retail 59995 Home Furnishings Stores 57224 Home Improvement Stores 53989 Janitorial Supplies - Retail Jewelry - Retail - Costume 59715 Jewelry - Retail - Precious 59715 No jeweler's block coverage. Leather Products or Hide Stores - Retail only 56992 Locksmiths 52522 No garagekeeper's coverage included. Luggage Goods - Retail Only Metal Dealers Music Stores - Pre-Recorded 57338 Musical Instrument Stores 57334 Newsstands 59935 Office Machines or Appliances - Retail - No Repair 50925 Optical Goods - Retail 59954 Optical Professional Liability coverage available Paint, Wallpaper or Wallcovering Stores 52322 Painting, Picture or Frame Stores Pet Stores 59997 Photographic Equipment - Retail only 59965 Plumbing Supplies and Fixtures - Retail Retail Stores (Not Otherwise ified) Refer to Underwriting Seed Merchants (including or excluding misdelivery or germination failure.) 59625 Sewing Machine Stores 57223 4-2013 10
Ship Chandler Stores Shoe Stores - Retail 56613 Sporting Goods or Athletic Equipment Stores (Including Apparel) 59526 Ineligible: Gun sales and renting of equipment to others. Stationery or Paper Products - Distributors - Retail 59435 Stores - Fish or Seafood 54216 Stores - Meat or Poultry 54216 Supermarkets - with an area at least 4000 square feet 54027 Supermarkets - with an area less than 4000 square feet 54036 Tire Dealers 55313 No garagekeeper's coverage included. Toys - Retail 59998 Trophy Stores 59996 Variety Stores - Discount Houses 53315 Variety Stores - Five and Ten Cent Stores 53317 Video Stores - Rental 57338 Video Stores - Sales 57338 Wigs - Retail only 59993 Wood Products - Not otherwise ified - Retail only 50943 Self Storage Facilities Self-Storage Facilities 09411 Wholesalers Appliance Distributors - Household and Home Furnishings 50081 Appliance Distributors - Household Types - Radio, Television or Compact Disc Players 50061 No direct importing of foreign-made products from manufacturers with no legal US presence. Automobile Parts and Supplies - Distributors 50111 4-2013 11
Bakeries - Distributors - No baking on premises 50141 Barber or Beauty Shop Supplies Distributors (No re-packaging or relabeling for "own brand" retail sale.) 50171 Bookbinding and Printing Supplies - Distributors 50201 Clothing or Wearing Apparel - Distributors - Men's and Boys' Clothing and Furnishings 50231 Clothing or Wearing Apparel - Distributors - Women's, Children's and Infants' clothing and Accessories 50231 Collectibles and Memorabilia - Distributors 50261 Distributors - Fish or Seafood 50671 Distributors - Meat 50671 Distributors - Poultry 50671 Fabric - Distributors 50321 Floor Covering - Distributors 50351 Florists - Distributors 50381 No direct importing of foreign-made products from manufacturers with no legal US presence. Fruit or Vegetable - Distributors 50391 Gardening and Light Farming Supply - Distributors 50471 Grocery Distributors 50481 Hardware and Tools - Distributors 50501 Hearing Aid - Distributors 50571 Heating or Combined Heating and Air Conditioning Equipment - Distributors Only 50581 Hobby, Craft or Artists' Supply - Distributors 50641 Janitorial Supplies - Distributors 50651 Jewelry - Distributors 50661 Office Machines or Appliances - Distributors - No Repair 50691 Optical Goods - Distributors 50721 4-2013 12
Plumbing Supplies and Fixtures - Distributors 50741 Refrigeration Equipment - Commercial - Distributors Stationery or Paper Products - Distributors - Paper (e.g., fine, printing, writing), bulk, wholesaling 50771 50801 No direct importing of foreign-made products from manufacturers with no legal US presence. Stationery or Paper Products - Distributors - Paper (except office supplies, printing paper, stationery, writing paper) wholesaling 50801 4-2013 13