Auto Service Program The Auto Service Program is for small to medium auto service and repair businesses. With our broad appetite, we are willing to write most auto service and repair businesses on our BOP program. We are especially interested in the businesses listed below. Classification Listing: Air Conditioning System Service or Repair Alignment & Brakes Auto Body Repair Auto Diagnostic Auto Glass Repair Car Washes Carburetor Shops Clutch Service or Repair (see Transmission) Detailing Electrical and Ignition Service or Repair Emissions Testing Engine Rebuilding General Automotive Service or Repair Muffler Shops Paint Shops Quick Lubes Radiator Service or Repair Sound Shops Tire Dealers Transmission Service or Repair Upholsterers Premier Businessowners Key Underwriting Guidelines: An alarm is required if Theft Coverage is desired. Sales of non-automotive products or services should not exceed 10% of total receipts. There should be no sales of autos (i.e., no car dealerships). No work on high performance vehicles, truck engines, or vehicles used in racing or competitive events. Towing activities should be incidental; no contract towing operations. Auto body shops must have UL approved paint booths that meet NFPA 33 standards. Gasoline tanks should not exceed 20 years of age. LPG sales require prior underwriter approval. Risks should not have impound yards, rental operations, tire recapping operations, or split-rim work. Other restrictions may apply; refer to Program Eligibility in the elibrary for details. Auto Service 11
Auto Service Program Key Coverages: Auto Service Plus Endorsement (PB 20 00) Coverage Description Limit of Insurance Deductible Lock Replacement Expenses $1,000 None Employee Portable Tools & Equipment Transit Pollutant Clean-Up & Removal - In Aggregate *Optional limits available. $1,000* each employee; $10,000* all employees $500 $25,000 $500 Garage Liability (PB 30 00) Provides coverage for customers automobiles while in the course of the garage operations. Garagekeepers Coverage (PB 30 02) Protects an auto service shop against liability for damage to vehicles while in their care. Broadened Garage Liability (PB 30 04) Provides additional coverage for both Defective Products and Faulty Work. Auto Service Coverage Checklist Coverage Form Garage Liability 1 PB 30 00 Garagekeepers Coverage* PB 30 02 Appurtenant Structures 2 Broadened Garage Coverage PB 30 04 Employee Tools and Equipment PB 20 00 Businessowners Advantage PB 20 99 Auto Service Plus Endorsement PB 20 00 1 Automatically included with occupant classification. 2 Coverage included at 10% of the building limit up to $50,000 maximum. Additional limits may be scheduled. * Blanket garagekeepers at a single location is available 12
Food Service Program The Food Service Program is for establishments that prepare and serve food directly to a consumer. We will entertain a wide variety of restaurants within this program ranging from limited cooking to fine dining. Please refer to the elibrary for a complete classification listing and underwriting guidelines. Classification Definitions: Family Style: A full menu restaurant that caters primarily to families. E.g., American Style, Asian, BBQ, California Cuisine, Chinese, Ethnic, Italian, Japanese, Mexican, Seafood, Steak House. Fast Food: A restaurant wherein food is purchased at a counter and then taken to the dining area to be consumed. These establishments typically also include take-out as well as drive thru service. They will include limited cooking type appliances as well as grills, broilers, deep fat fryers, roasters or BBQ s. E.g., Chicken, Hamburger, BBQ, Hot Dog, Mexican, Oriental, Seafood. Fine Dining: A full menu restaurant wherein the average entree price is $14.00 or more as evidenced by their current menu. E.g., American Style, Asian, BBQ, California Cuisine, Chinese, Ethnic, Italian, Japanese, Mexican, Seafood, Steak House. Exquisite Fine Dining: An upscale full menu restaurant wherein the average entree price is $25.00 or more as evidenced by their current menu. (CA only) Full Menu: A restaurant that offers a variety of foods with waiter/waitress service at tables. Takeout is limited (less than 10%) and no drive-thru service is provided. Food preparation will use the full array of cooking methods. Limited Cooking: No cooking except by microwave or convection ovens, steamers or toasters. This class shall not include food preparation with deep fat fryers (excluding shallow donut fryers), grills, broilers, roasters, barbecuing, solid fuel cooking (e.g., wood), or other processes capable of producing grease-laden vapors requiring an exhaust system. E.g., Bagel Shop, Coffee Shop, Delicatessen, Ice Cream Store, Pasta Restaurant, Pizza Restaurant, Sandwich Shop, Yogurt Shop. Take-Out-Only: No beverages or food served for consumption on premises. There may be a small customer waiting area, however no tables or other facilities are provided for the customer to eat on the premises. 14
Food Service Program Classification Listing: American Restaurant Asian Restaurant Bagel Shop Barbeque Restaurant Cafeterial/Buffet Style Restaurant California Cuisine Chinese Restaurant Coffee Shop Delicatessen Donut Shop Drive-Thru Restaurant Ethnic Restaurant Franchised Fast Food Restaurant Ice Cream Shops Italian Restaurant Meal Preparation Store Mexican Restaurant Pasta Restaurant Pizza Restaurant Restaurant NOC Sandwich Shop Seafood Restaurant Steak House Yogurt Shop Premier Businessowners Key Underwriting Guidelines: In business for at least three years under current ownership. A financially sound and successful business. Operate on a year-round basis. Designed for restaurant or food service occupancy. Located in protection classes 1-8 with paid fire response. Meets the Americans with Disabilities Act requirements. Properly protected with both smoke and fire alarms. If liquor is served, these receipts may not exceed 25% of total gross receipts except: 35% for fine dining, 45% for exquisite fine dining in CA; 50% for NV. Liquor Liability Coverage is available by endorsement; subject to liquor underwriting criteria. See the elibrary or contact your underwriter. Catering receipts should not exceed 50% of total gross receipts. Fast Food restaurant risks should: have total property exposure less than $2,000,000 per premises not offer residential delivery Restaurants of frame construction should contain property values of $1,000,000 or less unless protected by an automatic sprinkler system. Commercial Cooking Requirements: All cooking equipment should meet NFPA 96 Commercial Cooking requirements. An automatic extinguishing system protecting the hood, duct, and all surfaces of grills, ranges, deep fat fryers, broilers and stoves meeting UL-300 requirements. A service contract for semiannual inspection and maintenance of the extinguishing system and quarterly flue cleaning. A manual release device for the extinguishing system located in the path of exit from the cooking area. Automatic thermostat controls with a high limit switch and fuel cut off to the deep fat fryers. A regular in house cleaning schedule for hoods and filters with professional cleaning at least quarterly. A minimum of 18 inches clearance between all hoods and ducts from combustible materials. All lights in the hood of explosion proof type. Food Service 15
Food Service Program Key Coverages: Food Service Plus Endorsement (PB 20 02) Coverage Description Limit of Insurance Deductible Credit Card Forgery $5,000 $500 Credit Card Slip Theft, Disappearance or Destruction Automatic Extinguishing System: Cooking Equipment Recharge Expenses Clean-up Expenses (Accidental Discharge) Loss of Income from Discharge Food Contamination Loss of Income: $5,000 $500 n/a n/a $5,000 $500 $5,000 $500 $5,000 $500 $10,000 per premises; $50,000 annual aggregate 24 hour wait Restoration Expenses $10,000 $500 Additional Advertising Expense Inoculation Expense Reimbursement $5,000 $500 $5,000 $500 Spoilage from Power Outage $10,000 $500 Spoilage from Power Outage (PB 04 15) This endorsement provides coverage only for spoilage of perishable stock, including change in temperature or humidity, caused by power outage, whether on or off premises. This coverage is broader than the Utility Service endorsement, as the power outage cause of the loss does not need to be triggered by a covered cause of loss. This differs from the Utility Service endorsement, which requires a covered cause of loss to trigger the interruption of service. Liquor Liability Coverage (PB 63 03) Coverage for the legal liability for bodily injury or property damage because of the insured s serving or sale of alcohol to a customer. Equipment Breakdown Coverage (included) Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. 16
Food Service Program Food Service Coverage Checklist Coverage Form Business Income Liquor Liability PB 63 03 Premier Businessowners Equipment Breakdown Permanently Installed Equipment Include in building Spoilage from Power Outage PB 04 15 Utility Services PB 04 56 Food Contamination PB 20 02 Businessowners Advantage PB 20 99 Food Service Plus Endorsement PB 20 02 Food Service 17
Habitational Program The Habitational program is generally intended for apartments, condominium associations and townhouse associations. Key Underwriting Guidelines: Minimum lease term of 6 months, 12 month term is preferred. Signed lease agreement between the insured and each tenant is required. (Apartment only) On-site management is recommended for all locations with more than 30 units. This can be a manager who lives on the premises full time or a manager who keeps regular office hours on-site. (Apartment only) Recommended that all apartment tenants carry renters insurance. Ideally, the insured would include this in the written lease agreement and obtain certificates of insurance. Condominiums should be at least 75% owner occupied (less than 25% rented out). Condominium owners must have their own insurance. Buildings 4 or more stories must be 100% sprinklered. Other restrictions may apply; refer to program eligibility in the elibrary for details. Property Risks with more than 30 units should have a professional qualified maintenance staff, with an established preventive maintenance program. Compliance with NFPA 70 National Electric Code. Apartment and Condominium buildings should have all dryer vents cleaned annually by a professional contractor. General Liability Compliance with NFPA 101 Life Safety Code. Two means of egress from each living unit, except as permitted otherwise by NFPA 101 Life Safety Code. Buildings must be equipped with operational UL listed or approved central station monitored automatic fire detectors (smoke/heat): Located in each residence. Located in common areas. Detectors should be hard wired and installed in accordance with NFPA 72 National Fire Alarm Code. Carbon monoxide alarms may be required 1 or 2 story buildings equipped with battery powered detectors may be acceptable if: Management has demonstrated its reliability with periodic testing and battery replacement. The testing is documented. Hardwired alarms with battery backup are required on any building over 2 stories. Premier Businessowners Habitational 19
Habitational Program Key Coverages: Apartment Cooperative, Condominium and Townhouse Directors and Officers Liability Insurance (PB 41 00) Habitational Coverage Checklist Coverage Form Business Income Condominium Association PB 17 01 Directors and Officers Liability PB 41 00 Utility Services PB 04 56 Hired and Non-Owned PB 04 04 Businessowners Advantage PB 20 99 Businessowners Advantage Endorsement with Employee Dishonesty PB 20 98 20
Office Program The Office program is for small to medium businesses, including owner occupants, lessors, and tenants that present low to medium premises/operations exposures. We are especially interested in those types of businesses listed below. Classification Listing: Accounting & Bookkeeping Firms Actuarial Services Adjusters Independent Advertising Agencies Appraisers Real Estate Architects Consulting Associations including Trade Attorneys Banks Lessors Risk Only Bookkeeping Firms Brokers Stock, Commodity Business Management Chiropodists Chiropractors Communication Consultants Dentists & Dental Surgeons Draftsmen Educational Consultants Financial Planning Consultants Insurance Agents Management Consultants Medical Clinics Mortgage Brokers Notaries Public Offices or Agencies Condominiums Opticians Optometrists Osteopathic Physicians Physicians and Surgeons Physiotherapist Podiatrists Professional Offices NOC* Psychologists Public Relations Real Estate Agents & Offices Tax Return Preparations Ticket Agencies Title Abstract Companies Travel Agencies Veterinarians Premier Businessowners *Refer to underwriter. Office 25
Office Program Key Underwriting Guidelines: Buildings should not exceed six stories in height. Buildings should be occupied principally for office purposes. Offices should not be in converted dwellings or operated from private residences. There should be no armed employees or armed security services. Optometrists should not have operations that go beyond the production, reproduction, mounting and fitting of glasses; they should not be involved in surgery; and they should not operate stores that also sell a variety of other products such as cameras, binoculars, microscopes, etc. Veterinarians should not be employed or retained by a racetrack; they should not be employed by a farm or ranch specializing in high-valued stock; and they should not be involved in extensive treatment with experimental drugs or medicines. Other restrictions may apply; refer to program eligibility in the elibrary for details. Key Coverages: Office Plus Endorsement (PB 20 05) Coverage Description Limit of Insurance Deductible Lock Replacement Expenses $5,000 None Unauthorized Business Card Use Fine Arts Coverage Computer Fraud & Funds Transfer Fraud Laptop Computers Worldwide Coverage $5,000 Subject to Policy Deductible $10,000 per item limit $50,000 per occurrence limit $500 $10,000 Subject to Policy Deductible $10,000 $500 Contract Penalty $5,000 $500 Professional Liability Provides protection for a professional error or mistake made by the insured or by others performing work on their behalf. Equipment Breakdown (included) Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. Employee Dishonesty (PB 20 98) Coverage is included in the Businessowners Advantage Endorsement with Employee Dishonesty Coverage (PB 2098). Coverage is also built into the property coverage from with an option to increase limits. Protects against the loss of money, securities and property from the fraudulent act of an employee. 26
Office Program Office Coverage Checklist Coverage Form Business Income Equipment Breakdown Premier Businessowners Accounts Receivable Tenants Property Damage Legal Liability Hired and Non-Owned Auto Coverage PB 04 04 Utility Services PB 20 99 Employee Dishonesty PB 20 98 Veterinarians Professional Liability PB 08 05 Businessowners Advantage PB 20 99 Businessowners Advantage with Employee Dishonesty PB 20 98 Office Plus Endorsement PB 20 05 Office 27
Process or Service Program The Process or Service program is for small to medium businesses, including owneroccupants, lessors, and tenants that present low to medium premises/operations and low products/completed operations exposures. We are especially interested in those types of businesses described below. Classification Listing: Addressing or Mailing Companies Appliances & Accessories Install, Service, or Repair Bakeries Barber & Beauty Shops Blueprinting Bookbinding Business Form Printing Copying and Duplicating Dental Laboratories Diaper Services Dry Cleaners & Laundries Embroidery Shops Engraving Funeral Homes or Chapels Lithographing Microfilming Service Nail Salons Pet Grooming Photo Finishing Photocopying Service Photoengraving Photo Finishing Shops Photography Studios Piano Tuning Plant Maintenance Services Commercial Printing & Duplicating Shoe Repair Tailoring or Dressmaking Taxidermist Typesetting Uniform, Towel & Linen Services Watch, Clock, & Jewelry Repair Premier Businessowners Process or Service 29
Process or Service Program Key Underwriting Guidelines: Property should occupy less than 25,000 square feet of mercantile space. Operations should have less than $5,000,000 in annual gross receipts. An additional 25,000 square feet of habitational or office space may be included. Storage facilities may be included if they are located in a separate building owned by the insured which are incidental to an eligible process/service risk and do not exceed 25,000 square feet. Off-premises installation, service, and/or repair exposures should not have receipts from those operations that exceed 25% of total receipts. Risks cannot primarily be a contractor. Barbers and beauticians should not offer services beyond the normal haircutting, perms, highlighting, tinting, manicures, pedicures, etc. Day spas, electrolysis, and permanent make-up risks are not eligible. Dry cleaning plants should have retail outlets and should not do a substantial amount of specialty work such as furs, high-valued rugs; leathers, etc.. Risks located in protection class 9 or 10 will need underwriter approval. Professional liability is available for funeral directors, beauticians and printers. Other restrictions may apply; refer to Program Eligibility in the elibrary for details. Key Coverages: Service Plus Endorsement (PB 20 06) Coverage Description Limit of Insurance Deductible Lock Replacement Expenses $5,000 None Unauthorized Business Card Use $5,000 Subject to Policy Deductible Contract Penalty $5,000 $500 Fine Arts Coverage Computer Fraud & Funds Transfer Fraud Laptop Computers Worldwide Coverage $10,000 per item limit $50,000 per occurrence limit $500 $10,000 Subject to Policy Deductible $10,000 $500 Contingent Transit $25,000 $500 Brands and Labels BPP Limit Subject to Policy Deductible Printers Errors and Omissions Liability (PB 08 04) This is automatically included when an account qualifies for and is rated in the Printer class. This endorsement adds coverage for claims resulting from the insured s negligent act, error or omission in providing printing services. 30
Process or Service Program Key Coverages Continued: Barber or Beauty Shop Professional Liability (PB 08 01) This is provided for a professional error or mistake made by the insured or by others performing work on their behalf with respect to Barber or Beauty shop operations. Funeral Directors Professional Liability (PB 08 02) Provides protection against claims for the rendering of or failing to render services for others in the conduct of the insured s business as a funeral director or mortician. Dry Cleaners EXTRA (PB 20 01) Amends the Limits of Insurance Section of the Property Coverage Form so the Business Personal Property Limit does not apply to the insured s customers personal property while not in process. Sublimits are provided for loss to customers personal property while in the process of cleaning, laundering, pressing, altering, repairing, renovating or other similar processes. Optional sublimits are available. Equipment Breakdown (included) Protects against damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage. Extended Business Income The business income period of indemnity may be extended beyond 60 days for an extra charge. Coverage may be extended in increments up to 360 days. Premier Businessowners Service Coverage Checklist Coverage Form Business Income Equipment Breakdown Hired and Non-Owned Auto Coverage PB 04 04 Employee Dishonesty PB 20 98 Printers Errors and Omissions Liability Barber or Beauty Shop Professional Liability Funeral Directors Professional Liability PB 08 04 PB 08 01 PB 08 02 Dry Cleaners EXTRA PB 20 01 Businessowners Advantage PB 20 99 Service Plus Endorsement PB 20 06 Process or Service 31
Retail Program The Retail program is for small to medium businesses, including owner-occupants, lessors, and tenants that present low to medium premises/operations and low products/completed operations exposures. We are especially interested in those types of businesses shown below. Classification Listing: Appliance Stores Aquarium Sales & Supply Stores Art & Craft Supplies Stores Auto Parts & Supplies Stores Bakeries Barber or Beauty Supplies Stores Bath Shops Beer/Wine Stores Bicycle Shops Blanket & Bedspread Store Book & Magazine Stores Bric-a-Brac or Curio Stores Camera & Photographic Supplies Stores Camping Equipment Stores Candle Shops Candy, Nut & Confectionery Stores Card Shops Carpet Stores Catalog Sales Stores Ceramic Stores Cheese & Sausage Specialty Stores China & Glass Stores Clock Shops Clothing Stores Coffee, Tea, & Spice Stores Convenience Stores Cosmetic & Perfume Stores Craft Shops Curtains & Draperies Stores Dairy Products or Butter & Egg Stores Department or Discount Stores Drug Stores Dry Cleaners & Laundries Dry Goods Electric Supplies Stores Electronics Stores & Cell Phone Stores Fabric Stores Feed Stores Fireplace Equipment Stores Five & Ten Cent Stores Floor Covering Stores Florists Frame Shops Frozen Food Stores Fruit & Vegetable Stores Furniture Stores Gasoline Station Gift Shops Glass Sales Window, Plate or Mirror Glassware Stores Golf & Tennis Pro Shops Grocery Stores Hardware Stores Hearing Aid Centers or Stores Hobby Shops Home Furnishings & Accessories Stores Jewelry Stores Kitchen Accessories Stores Lamp & Lighting Fixtures Stores Lawn & Garden Supplies Stores Leather Goods Stores Luggage Stores Meal Preparation Stores Marine Supplies Stores Meat, Fish, Seafood, or Poultry Stores Millinery & Trimmings Stores Premier Businessowners Retail 33
Retail Program Classification Listing Continued: Music and Video Stores Musical Instruments Stores Office Furniture Stores Office Machines Rentals & Leasing Office Machines & Equipment Office Supplies & Stationery Stores Optical Goods Stores Paint and Wall Coverings Stores Paper & Paper Products Stores Pet & Pet Supplies Stores Pharmacies Photographic & Camera Stores Photographic Equipment Supplies Piano & Organ Stores Plumbing Supplies & Fixtures Stores Pottery Shops Premium Coupon Redemption Stores Printing & Book Binding Supplies Stores Produce Stores Radio, TV, & Stereo Stores Record, Compact Disc, and Tape Stores Religious Goods Stores Sewing Machines Stores Shoe Stores Sporting Goods Stores Stationery Stores Strip Malls Lessor s Risk Television Stores Toy Stores Trophy Stores Vacuum Cleaner Sales & Service Variety Stores Video Rental Stores Wig Shops 34
Retail Program Key Underwriting Guidelines: Property should occupy less than 25,000 square feet of retail or mercantile space (50,000 square feet for Strip Malls). Operations should have less than $5,000,000 in annual gross receipts per location ($10,000,000 for Convenience Stores with Gas Pumps or Gasoline Stations, no Repair). Risks may have up to an additional 25,000 square feet of office or habitational space. Risks may include storage facilities in a separate building owned by the insured which are incidental to an eligible retail risk and do not exceed 25,000 square feet. Risks involved in off-premises installation, service, and/or repair exposures should not have receipts from these operations that exceed 25% of total receipts; they should: maintains a reasonable amount of inventory, operate from a retail location; not primarily act as a contractor. Risks should not be involved with commercial cooking which produces greaseladen vapors. Occupancies with a high exposure to business personal property theft must have a UL certified alarm system. Operations should not have more than 10% of receipts derived from rental of personal property (with the exception of video rental stores) and should not have more than 5% of receipts derived from sales of used merchandise. Florists should not grow stock for sale by others; employ landscape gardeners or designers; have more than 25% of their sales derived from live plants; operate greenhouses; or care for live plants away from the insured location. Other restrictions may apply; refer to Program Eligibility in the elibrary for details. Premier Businessowners Key Coverages: Retail Plus Endorsement (PB 20 07) Coverage Description Limit of Insurance Deductible Brands & Labels BPP Limit None Lock Replacement Expenses $5,000 None Unauthorized Business Card Use $5,000 Subject to Policy Deductible Contingent Transit $25,000 $500 Contract Penalty $5,000 $500 Laptop Computers Worldwide Coverage Computer Fraud & Funds Transfer Fraud $10,000 $500 $10,000 Subject to Policy Deductible Pairs or Sets BPP Limit Subject to Policy Deductible Retail 35
Retail Program Key Coverages Continued: Hearing Aid Professional Liability (PB 08 03) Provides coverage for the rendering of or failure to render professional hearing aid services. Optical Goods Professional Liability (PB 08 03) Provides coverage for the rendering of or failure to render professional optical goods services. Pedorthist Professional Liability (PB 42 03) Provides coverage for the rendering of or failure to render professional pedorthic services. Florists Misdelivery (PB 42 01) Provides coverage for florist s errors and omissions. Tenants Property Damage Legal Liability Provides coverage for the insured s legal liability arising out of building damage caused by one of the Covered Cause of Loss under the Property Coverage Form. Peak Season The BOP will automatically increase the business personal property limits by 25% to accommodate seasonal increases in values. Glass Coverage This is included in the BOP Special coverage form for tenants required by lease to be responsible for glass. Be sure to include the value of glass in the business personal property limit. D & O Optional coverage available for Retail Condominium building owners. Glass Retail Coverage Checklist Coverage Form Peak Season Outdoor Sign Money and Securities Hired and Non-Owned Auto Coverage PB 04 04 Employee Dishonesty PB 20 98 Hearing Aid Professional PB 08 03 Pedorthist Professional Liability PB 42 03 Florists Misdelivery PB 42 01 Tenants Property Damage Legal Liability Businessowners Advantage PB 20 99 Retail Plus Endorsement PB 20 07 36
Wholesale Program The Wholesale program is for small to medium businesses, including owneroccupants, lessors, and tenants. With our broad appetite, we are willing to write most wholesale businesses on our BOP program. We are especially interested in the businesses listed below. Classification Listing: Appliance and Home Furnishing Aquarium Supplies Architect s Supplies Art, Craft and Hobby Supplies Audio Visual Equipment Automobile Parts and Supplies Baked Goods Baker s Supplies Bar Fixtures & Supplies Barber and Beauty Shop Equipment & Supplies Bath Accessories not plumbing supplies Beer and Ale Distributors Beer Dispensing & Cooling Equipment Beverage Dispensing Supplies Billiard Equipment and Supplies Bolt, Nut & Screws Books and Magazines Bowling Lane Equipment & Supplies Building Materials Candy, Nut and Confectionery Canvas Goods and Supplies Cash Registers and Supplies Ceramic Supplies Church Furnishings Clothing or Wearing Apparel Coffee and Tea Cosmetics, Toiletries and Perfume Dairy Products Data Processing Supplies Delicatessen Provisions Dental Equipment and Supplies Display Fixtures and Materials Drafting Room Equipment and Supplies Dry Goods Electrical Equipment & Supplies Electronics Equipment, Fixtures or Supplies Fabric or Cloth Fence Fireplace Equipment Floor Coverings Florists Frozen Foods Fruits & Vegetables Furniture Gardening & Light Farming Supplies Glass Window, Plate, & Mirror Hardware Hearing Aid Supplies Heating and Air Conditioning Equipment Home Improvement Supplies Janitorial Supplies Jewelry Juices and Syrups Kitchen Accessories Lamps and Lighting Fixtures Laundry Equipment Luggage Marine Supplies Music,Tape, Compact Disc or Records Musical Instruments Office Machines, Equipment and Supplies Optical Goods Paint, Wallpaper and Wall Coverings Paper and Paper Products Pet Supplies Photographic Equipment and Supplies Plumbing Supplies and Fixtures Printing and Book Binding Supplies Refrigeration Equipment and Supplies Restaurant Equipment Rubber and Plastic Stamps Sewing Machines Shoes Sporting Goods Stationary Supplies Store Fixture Tools Machine Toys 38