COMMERCIAL LIABILITY General Instructions This program contains the rules, classifications, and premiums for the Commercial Liability policy. Rule I Eligibility 1.1 The owner, partnership, or tenant. 1.2 All risks with some exceptions (contact Company for risks not listed). 1.3 Supporting coverage is required when the home premise is listed as the premise ID. Rule II Ineligible Risks 2.1 Vacant or unoccupied structures (Company option). 2.2 Property which is rundown or where there is considerable rubbish or trash around the premises. 2.3 Buildings in which unapproved heat lamps, portable salamander-type heaters, or similar devices are used. 2.4 All structures having exposed cellular plastic insulation (polystyrene and urethane foamed or rigid). Rule III Policy Writing Procedures 3.1 Commercial Property rules apply. 3.2 Policies are issued on the Occurrence Form (Claims-Made Form is unavailable). 3.3 The Occurrence Form provides claim coverage for: A. Bodily injury, property damage, personal injury, and advertising injury arising from premises/operations in conjunction with the insured s business. B. Bodily injury and property damage arising from products/completed operations in conjunction with the insured s business. 3.4 The Commercial Liability includes the following coverages: A. Premises/Operations Liability B. Products/Completed Operations C. Contractual Liability D. Personal and Advertising Injury 01-14 CL-1
E. Medical Payments F. Fire Damage Legal Liability G. Broad Form Property Damage H. Host Liquor Liability I. Incidental Medical Malpractice J. Non-Owned Watercraft K. Limited Worldwide Liability L. Additional Person Insured M. Extended Bodily Injury N. Automatic Coverage for Newly-Acquired Organizations Rule IV Credits 4.1 Claim Free Credits Claim Free Credits are based on the total policy premium at inception or renewal provided the Policyholder has completed the following: 3 years claim free 5% discount 7 years claim free 8% discount 10 years claim free 10% discount Prior insurance is required for Claim Free Credit Rule V Commercial Rates and Coverage Limits 5.1 The Commercial rates are divided into two major coverage categories: A. Premises/Operations, and B. Products/Completed Operations - Products Coverage may be excluded by endorsement. 5.2 Manual Rates are shown at the following: A. Basic Limits 1. Limits of $100,000.00 to $1,000,000.00 each occurrence and an aggregate double the occurrence for bodily injury and property damage. a. $100,000.00 fire damage legal liability limit. b. $5,000.00 per person for medical payments. 2. Limit per person or organization for personal injury or advertising injury. 3. The limits provided under 1. and 2. above are subject to either the General Limit (for other than Products/Completed Operations) or the Products/Completed Operations Limits, whichever is applicable. 01-14 CL-2
The Occurrence/Aggregate Limit applies to Premises/Operations and Products/Completed Operations. B. Increased Limits 1. Increased Limits factors for both Premises/Operations and Products/Completed Operations are found in the rate section page CL-6. These factors contemplate that the limit for personal injury and advertising injury will be equal to the occurrence limit selected. The basic fire damage and medical payments limits do not increase with increases in other limits. For increased fire damage or medical payments limits, refer to page CL-5. 2. Separate increased limits tables are applicable for Premises/Operations and Products/Completed Operations. To determine the appropriate assignment refer to the rate section page CL-6. 5.3 Premium Bases/Commercial Liability Classification Table S = Sales per $1,000.00 ($30,000.00 minimum) A = Per 1,000 square feet of area P = Per $1,000.00 of payroll ($30,000.00 minimum) R = Per $1,000.00 of receipts ($30,000.00 minimum) U = Per unit = per apartment per game per gallon per animal per 1,000 admitted N/A = Not Available N.O.C. = Not Otherwise Classified AC = Per Acre Rule VI Optional Endorsements 6.1 Non-Owned Auto Liability Provides coverage for any auto that is not owned, borrowed, or hired by the insured. Rate for 1-3 Employees $25.00, 4-10 Employees $35.00. 6.2 Hired Auto Liability Provides coverage for autos leased, borrowed, or hired by the insured. Rate is $20.00 per vehicle. 6.3 Rental Watercraft Coverage for boats you own used by any person or organization provided the actual use is with your permission. Contact Company for rate. Form GL-114. 01-14 CL-3
6.4 Liquor Liability Provides coverage for the selling, serving, or furnishing of alcoholic beverages. A. Limit of Liability $100,000.00 each occurrence ; $300,000.00 aggregate (per policy period). B. Base premium is $150.00 per location. Additional charges apply for the following: $50.00 for 100% alcohol sales; $50.00 for hours of operations after 12:00 a.m. C. Endorsement base premium is included with qualifying Rural Tavern Program. See B. above for additional charges. Rule VII Auditing of Policies 7.1 When writing the policy, estimate the annual payroll and receipts as close as possible. 7.2 The policyholder will be contacted to establish payroll or receipts for the policy period prior to the anniversary date of the policy. Rule VIII Fire Legal Liability Higher Limits Base is $100,000.00 Increase To Additional Premium $ 300,000.00 $120.00 $ 500,000.00 $240.00 $1,000,000.00 $400.00 01-14 CL-4
GENERAL LIABILITY RATES For higher BI and PD limits use the tables below. All limits are expressed in thousands of dollars. Minimum premiums apply per policy. Payroll: For premium computation, use $30,000.00 as basis for executive offices (Insureds and Partners). Sales: For premium computation, $30,000.00 minimum. Premises/Operations INCREASED LIMIT FACTORS Limit Minimum Minimum Minimum Table 1 Table 2 Table 3 BI & PD Premium Premium Premium 100 / 200 1.00 100.00 1.20 120.00 1.40 140.00 300 / 600 1.30 130.00 1.50 150.00 1.70 170.00 500 / 1,000 1.50 150.00 1.80 180.00 2.00 200.00 1,000 / 2,000 1.70 170.00 2.20 220.00 2.50 250.00 Products/Completed Operations Limit Minimum Table A BI & PD Premium 100 / 200 1.36 66.00 300 / 600 1.76 85.00 500 / 1,000 2.08 95.00 1,000 / 2,000 2.35 105.00 INCREASED LIMITS MEDICAL PAY TO PUBLIC 100,000 300,000 500,000 1,000,000 10,000 28.00 32.00 35.00 40.00 15,000 38.00 42.00 47.00 55.00 20,000 45.00 48.00 55.00 62.00 Additional Insured $200.00 per insured LIABILITY DEDUCTIBLE Circumstances may dictate that to provide coverage on some risks, a liability deductible is necessary. Deductibles may be requested from $1,000.00 to $10,000.00 (contact Company for availability and rate). 01-14 CL-5
32500 (P) 2A 18.47 2.10 Advertising Sign Companies Outdoor Including Products/Completed Work 22505 (S) 2A 0.16 0.53 Air Conditioning Equipment Retail or Wholesale only 31100 (P) 2A 12.03 6.68 Air Conditioning Systems, Installation, Service, or Repair 31115 (P) 2 7.53 -- Alarms and Alarm Systems 23005 (S) 2 3.06 -- Amusement Centers 10026 (S) 2A 0.835 2.11 Antique Stores 25500 (U) 2 21.43 -- Apartment Buildings One or Two Units 25505 (U) 2 23.35 -- Apartment Buildings Three Units 25510 (U) 2 21.42 -- Apartment Buildings Four Units + 31120 (P) 1A 10.79 8.74 Appliance and Accessories Installation, Service, or Repair 10042 (S) 1A 0.35 0.49 Appliance Stores 23015 (S) 2 6.06 -- Archery Ranges N.O.C. 23025 (U) 3 3.91 -- Athletic Games Coverage is Excluded for Participants (Attach Endorsement GL-202) 32512 (P) 2 5.50 -- Auctioneers 21025 (S) 2A 0.37 0.52 Auto Parts & Supplies Retail 46500 (S) 2 5.57 -- Auto Quick Lubrications Services - if Hoist (Attach Endorsement GL-864) 35515 (S) 2A 2.54 3.51 Auto Repair or Service Shop - if Hoist (Attach Endorsement GL-864) 31130 (P) 2 10.23 -- Awning, Tent, or Canvas Goods Erection, Removal or Repair 20000 (S) 1A 0.89 0.52 Bakeries 21300 (S) 1A 0.58 0.59 Barber Shops 21035 (S) 1A 1.75 0.59 Beauty Salons 10145 (S) 2A 0.31 0.116 Beverage Stores Liquor or Wine 01-14 CL-6
21040 (S) 2A 1.53 0.42 Bicycle Shops Sales & Service 21045 (S) 2 50.10 -- Bicycles Rented to Others 35015 (P) 3 1.88 -- Blacksmithing 25530 (U) 2 35.13 -- Boarding or Rooming Houses 31135 (P) 3A 8.77 8.30 Boat Repair and Servicing 21055 (S) 2A 0.70 1.15 Boat Sales 21060 (S) 2 6.06 -- Boat Storage Moorage 23040 (S) 2 12.46 -- Boat Canoes or Rowboats for Hire 46510 (S) 3 0.24 -- Bookbinding 21070 (S) 2 0.41 -- Book and Magazine Stores 21075 (S) 1 7.53 -- Bowling Centers 35555 (S) 2A 0.50 0.35 Building Material Dealers New Only 27010 (A) 2 19.08 -- Buildings Banks, Office, Mercantile, or Manufacturing Lessors Risk Only 27025 (A) 2 49.77 -- Buildings or Premises Office Occupied by Insured 31510 (P) 2 0.91 -- Cable and Related Equipment 21080 (S) 2A 0.30 0.19 Camera and Photographic Equipment Stores 23065 (S) 2 9.07 -- Campgrounds 20010 (S) 1A 0.61 0.47 Candy or Confectionery Stores (includes candy or confectionery manufacturing at the same location as the store if the products are sold principally in store) 46515 (S) 2A 5.57 2.15 Car Washes Not Self Service 46520 (S) 1A 15.38 2.15 Car Washes Self Service 31520 (P) 2A 13.09 6.07 Carpentry Construction of Dwellings Three Stories and Under * 32521 (P) 2A 15.61 4.11 Carpentry Interior * * Contact Home Office for Approval 01-14 CL-7
31525 (P) 3A 15.58 4.72 Carpentry N.O.C. * 32524 (P) 3A 4.70 2.97 Carpentry Shop Only * 31530 (P) 1A 17.14 3.60 Carpet, Rug, Furniture, or Upholstery Cleaning 35560 (S) 1A 2.02 0.54 Caterers 24520 (AC) 2 14.00 -- Cemeteries 21510 (S) 1 5.16 -- Chairs Rented to Others 32527 (P) 2 26.53 -- Chimney Cleaning 41650 (P) 1 29.65 -- Churches Including Dwellings Occupied by Clergy 32533 (P) 2 203.09 -- Cleaning Outside Surfaces of Buildings No Sandblasting 22530 (S) 2 0.93 -- Clothing or Wearing Apparel Stores Including Army or Navy 23080 (A) 2 53.80 -- Clubs Civic, Service, or Social 23100 (S) 2A 1.73 1.20 Clubs Country and Golf 23105 (A) 1 36.59 -- Clubs Horseback Riding, add Club Members as Additional Insureds GL-844 Guest-Riding Instruction or Hiring of Horses is Not Included. 21525 (S) 2 6.35 -- Cold Storage Lockers Coverage for Property Damage to Property Entrusted to the Insured is Excluded by Endorsement GL-0971 21105 (S) 2 0.28 -- Collectibles and Memorabilia Stores No Antiques 62020 (P) 2 26.01 -- Computer Consulting or Programming 31145 (P) 1A 11.24 7.65 Computer Service and Repair 28140 (S) 2A 7.10 0.85 Computer Stores 21535 (S) 1A 3.57 0.90 Concessionaires 35030 (P) 3A 14.49 4.50 Concrete Construction * Contact Home Office for Approval 01-14 CL-8
27065 (U) 2 16.59 -- Condominiums Residential add Endorsement GL- 160 Additional Insured 27070 (A) 2 12.44 -- Condominiums Commercial, Banks, Mercantile, Office add Endorsement GL-160 Additional Insured 27080 (A) 2 5.97 -- Condominiums Commercial Warehouses add Endorsement GL-160 Additional Insured 46530 (P) 2 0.24 -- Consultants Do not include Architectural, Engineering, Legal, Medical, or Computer Consulting 62025 (P) 2 15.95 -- Contractors N.O.C. No Subcontractors and/or General Contractors * 62080 (S) 2 9.80 -- Contractors Equipment and Earth Moving Equipment except Cranes, Derricks, and Power Shovels Rented to Others * 24530 (A) 3 10.25 -- Convents and Monasteries 46590 (S) 3A 0.27 0.78 Copying and Duplicating Services Retail 46605 (S) 3 1.69 -- Crematories Professional Services Excluded 35040 (P) 2 27.53 -- Crop Spraying (Attach Endorsement GL-0891) 80105 (S) 1 13.36 -- Custom Farming Excludes Spraying 20020 (S) 2A 0.71 0.41 Dairy Products Store 21125 (S) 2 28.00 -- Dance Hall No Table, Schools, or Services 35045 (P) 3 7.53 -- Debris Removal 20025 (S) 2A 1.05 0.38 Delicatessen No Consumption on Premises 21130 (S) 2A 1.47 0.16 Department or Discount Stores 32554 (P) 2A 13.20 2.56 Door and Window Installation 21140 (S) 1A 0.97 0.55 Drugstores 92215 (P) 1A 8.80 2.445 Driveway, Parking Area, or Sidewalk Paving or Repaving * Contact Home Office for Approval 01-14 CL-9
32569 (P) 2A 6.09 2.27 Drywall or Wallboard Installation 28165 (S) 3 12.50 -- Dude Ranches Rate Separate Horse Riding, Beaches, Swimming Pools, Shooting Ranges, and Boats 80005 (U) 1 19.62 -- Dwelling per Unit One Family Lessors Risk 25540 (U) 2 48.41 -- Dwelling Two Family Lessors Risk 25545 (U) 1 79.90 -- Dwelling Three Family Lessors Risk 25550 (U) 2 78.61 -- Dwelling Four Family Lessors Risk 80015 (U) 1 12.71 -- Dwellings Additional Charge for Incidental Business 31155 (P) 2A 10.23 6.56 Electric Apparatus Installation, Service, Repair 32581 (P) 2A 6.35 2.09 Electrical Work Interior 46610 (P) 3 0.17 -- Engraving 21150 (S) 2A 0.27 0.67 Equipment, Fixtures, Supplies 21145 (S) 2A 0.74 0.67 Electronic Stores 32584 (P) 2A 35.98 4.74 Excavation N.O.C. * 27085 (A) 2 49.77 -- Exhibition or Convention Buildings 23120 (A) 2 27.51 -- Exhibitions 46615 (S) 1 10.07 -- Exterminators 35580 (S) 2 0.81 -- Fabric Stores 80110 (AC) 1A 71.55 2.18 Farms Less than 160 Acres 80015 (S) 1A 96.59 2.18 Farms 160 Acres to 500 Acres 80120 (AC) 1A 125.31 2.18 Farms More than 500 Acres 32590 (P) 1A 20.05 -- Farm Machinery Operations by Contractors 80140 (S) 1A 2.60 0.18 Farm Products 80130 (S) 1A 7.31 0.38 Farms, Fruits, and Vegetables * Contact Home Office for Approval 01-14 CL-10
35585 (S) 1A 1.63 1.36 Fence Retail 32593 (P) 2A 21.58 5.72 Fence Erection 35590 (S) 1A 0.59 1.21 Fertilizer Retail and Wholesale 28190 (U) 3 76.50 -- Fishing Piers 23145 (S) 1 4.69 -- Fishing Pond or Lakes Include Rental of Boats No Motors 32599 (P) 2A 7.74 4.57 Floor Covering Installation 21155 (S) 1A 0.64 0.33 Floor Covering Stores 32602 (P) 1 50.64 -- Floor Waxing 21160 (S) 1 0.74 0.92 Florists 46620 (P) 1 5.46 -- Forestry Service Operations 36105 (S) 1A 0.26 0.82 Forging Work N.O.C. 20030 (S) 1A 1.12 0.20 Fruit and Vegetable Retail 35595 (S) 2A 1.46 0.44 Fuel Dealers Coal or Wood 38975 (S) 2A 0.36 0.83 Fur or Pelt Processing 46640 (S) 1A 0.47 0.25 Furniture or Woodworking, Stripping, Refinishing, or Repair Shop Only 21180 (S) 1A 0.47 0.25 Furniture Stores 95233 (P) 2 5.05 -- Garbage, Ash, or Refuse Collecting 35620 (U) 2A 1.91 0.68 Gas Stations Full and Self Service Per 1,000 Gallons 21185 (S) 2A 1.46 0.14 Gift Shops 23150 (S) 2 3.46 -- Golf Courses 23155 (S) 2 3.30 -- Golf Driving Ranges 23160 (S) 2 2.46 -- Golf Mobiles Rented to Others 32629 (P) 2 16.56 -- Grading of Land 01-14 CL-11
35058 (P) 3A 9.42 -- Grain Elevator Operation 80125 (U) 1 0.14 -- Grazing Animals 32632 (P) 2A 7.74 2.10 Greenhouse or Hot House Erection 13671 (S) 1A 0.57 0.089 Grocery Stores 28230 (S) 2 5.30 -- Guides or Outfitters 32636 (P) 2A 4.06 2.80 Gunsmiths 27540 (A) 1 79.44 -- Halls 31535 (P) 3A 15.58 4.37 Handyman 21195 (S) 1A 0.70 0.45 Hardware Stores 35640 (S) 1A 0.46 1.80 Hay, Grain, or Feed Retail 23170 (S) 1 5.44 -- Health or Exercise Facilities 20035 (S) 2 1.05 -- Health or Natural Food Stores 21200 (S) 1A 0.62 0.56 Hearing Aid Service Stores 62130 (P) 2A 11.95 7.25 Heating and Air Conditioning 21210 (S) 2A 0.84 0.38 Hobby, Artist Supply Store 35645 (S) 2A 1.02 0.22 Home Improvement Stores 24010 (A) 2 35.33 -- Hotels and Motels Lessors Risk Less than Four Stories 24005 (A) 2 35.33 -- Hotels and Motels Lessors Risk Four Stories or More 24105 (S) 2 3.42 -- Hotels or Motels with Pool or Beaches 31180 (P) 1A 15.06 3.24 House Furnishings Installation 20040 (P) 1A 1.55 0.31 Ice Cream Stores 46650 (S) 3 2.09 -- Ice Retail and Wholesales 23180 (U) 2 51.00 -- Indoor Exhibitions Athletic & Sports Contents Indoors 01-14 CL-12
32638 (P) 2A 8.25 6.79 Insulation Work 27545 (A) 1 22.54 -- Insurance Agents Office 31540 (P) 1A 5.61 1.45 Interior Decorating 62140 (P) 3 17.15 -- Irrigation Systems 32650 (P) 2 14.47 -- Janitorial Services 22575 (S) 2A 0.16 0.70 Janitorial Supplies Retail or Wholesale 21220 (S) 1A 0.16 0.75 Jewelry Retail or Wholesale 27550 (U) 1 4.67 -- Kennels 31545 (P) 1 11.84 -- Landscape 20045 (S) 1A 1.29 0.16 Large Grocery Stores 21225 (S) 1A 0.85 0.32 Laundries For Products (Attach Endorsement GL- 0897) 21540 (S) 2 4.81 -- Laundries and Dry Cleaners Self Service To Exclude Property Damage Endorsement GL-238 31550 (P) 1 11.84 -- Lawn Care Service 27105 (A) 2 28.70 -- Lawyers Offices Personal Injury Excluded (Attach Endorsement GL-905) 27110 (A) 1 26.21 -- Libraries 22045 (S) 2A 0.06 0.07 Liquor and Wine Stores 35660 (S) 2A 0.43 1.51 Livestock Sales Companies 21230 (S) 2A 0.46 0.47 Locksmiths 35670 (S) 3A 0.65 1.235 Machinery Yard or Garden 62155 (S) 2A 0.50 1.75 Machinery Farm & Construction No Service or Repair 35105 (P) 3A 1.16 2.11 Machine Shop 62160 (P) 3A 4.77 2.11 Machinery Farm Servicing, Repair Erection 01-14 CL-13
35675 (S) 3A 0.52 1.75 Machinery or Equipment N.O.C. 28285 (S) 1 0.75 -- Markets Lessors Risk 35115 (P) 3A 7.39 2.84 Masonry 24550 (A) 1 25.00 -- Mausoleums 39115 (S) 2A 0.16 0.45 Meat, Fish, Poultry, Seafood Processing 32668 (P) 1A 22.97 7.92 Metal Erection 39160 (S) 2A 0.07 0.08 Milk Depots or Dealers 23185 (S) 2A 13.74 1.20 Miniature Golf Courses 46202 (S) 1 9.20 -- Mobile Home Parks or Courts 27560 (U) 2 9.93 -- Movie Theatres 21245 (S) 2A 0.43 0.22 Music Stores 21250 (S) 2A 0.31 0.19 Musical Instrument Stores 46670 (S) 1A 0.74 0.50 Nursery Garden Stores 21270 (S) 2A 0.54 0.48 Optical Stores 32683 (P) 3A 9.14 5.25 Orchards and Vineyards 32692 (P) 2A 20.25 2.97 Painting Exterior Three Stories or Less 35190 (P) 2A 37.38 4.77 Painting Exterior Four Stories or More 31555 (P) 2A 10.28 1.71 Painting Interior 21275 (S) 2A 0.53 0.87 Painting or Wallpaper Stores 21280 (S) 2A 0.80 0.12 Painting, Picture, or Framing Stores 31565 (P) 2A 6.31 0.88 Paper Hanging 27150 (A) 1 4.31 -- Parking Public Lessors Risk 27145 (A) 1 9.95 -- Parking Public 46675 (A) 1 26.01 -- Parking Private 01-14 CL-14
28305 (U) 2A 77.10 8.88 Parks or Playgrounds 21285 (S) 2 0.95 -- Pet Grooming 21290 (S) 2A 0.99 0.36 Pet Stores 21295 (S) 2A 0.81 1.22 Photo Finishing Labs 16471 (S) 1 0.215 -- Photographers (This Class Includes Studios) 32719 (P) 2A 11.68 4.47 Plumbing Commercial 32722 (P) 2A 15.23 10.66 Plumbing Residential 22590 (S) 2A 0.12 0.43 Plumbing Supplies & Fixtures 46720 (P) 2 3.37 -- Real Estate Agents 28350 (U) 2A 1.85 1.85 Real Estate Development Property 28355 (AC) 2 1.20 -- Real Estate Property Managed 35725 (S) 2A 0.95 0.90 Recreational Vehicle Dealers 22595 (S) 2A 0.16 0.73 Refrigeration Equipment Retail and Wholesale Only 31215 (P) 2A 10.00 7.32 Refrigeration Repair and Service 28380 (S) 2 3.70 -- Rental Stores N.O.C. 20505 (S) 2A 2.55 0.44 Restaurants Alcohol Less than 75% without Dance Floor 20510 (S) 2A 4.16 0.43 Restaurants Alcohol Less than 75% with Dance Floor 20515 (S) 2A 4.23 0.23 Restaurants Alcohol More than 75% without Dance Floor 20520 (S) 2A 8.06 0.36 Restaurants Alcohol More than 75% with Dance Floor 20535 (S) 3A 3.37 0.49 Restaurants Refreshment Stand or Drive Inn s 20545 (S) 3A 2.55 0.49 Restaurants Self Service or Self Ordering Including Cafeterias & Smorgasbords 01-14 CL-15
20055 (S) 1A 1.05 0.12 Retail Groceries N.O.C. 27580 (U) 3 58.19 -- Riding Academies Include Instruction, Stables, and Stalls Per Animal 28385 (U) 2 15.60 -- Rifle or Pistol Ranges N.O.C. Outdoors Per Person 28390 (U) 1 10.40 -- Rifle or Pistol Ranges N.O.C. Indoors Per Person 32746 (P) 2A 44.93 9.55 Roofing Commercial 32749 (P) 2A 35.54 10.36 Roofing Residential 21300 (S) 2 4.24 -- Rummage Sales By Organizations 20516 (S) 2A 2.80 0.43 Rural Taverns Alcohol More than 75% without Dance Floor 21310 (S) 1A 2.65 4.60 Second Hand Stores 35215 (P) 2 7.39 -- Security and Patrol Agencies 35755 (U) 2A 1.16 0.96 Self Service Retail Gas Stations Per 1,000 Gallons 21315 (S) 2A 0.46 0.22 Shoe Repair, Shoe Shining 21320 (S) 2A 0.42 0.25 Shoe & Leather Goods 27610 (A) 1 39.82 -- Shopping Centers Lessors Risk 32767 (P) 3A 8.89 2.01 Siding Installation 31225 (P) 3A 31.92 18.62 Sign Erection, Installation, Service, and/or Repair 32770 (P) 3A 2.98 1.33 Sign Painting and Lettering Interior 31585 (P) 2A 10.44 3.98 Sign Painting or Lettering Outside 21325 (S) 1A 0.74 0.87 Sporting Goods Stores 32776 (P) 3 9.90 -- Stables, Boarding, Livery, or Racing Premises Coverage Only 21330 (S) 2A 0.36 0.12 Stationary or Paper Products Stores 20065 (S) 2A 0.85 0.41 Stores No Food or Drink N.O.C. 32788 (P) 2A 22.97 7.88 Street Cleaning Including Snow Removal
01-14 CL-16 WISCONSIN GENERAL LIABILITY RATES 31230 (P) 3 21.58 -- Swimming Pool Servicing, Installation, and Repair 21350 (S) 1A 0.34 0.07 Tailoring or Dressmaking 39380 (S) 1 0.08 -- Tanning Animal Hides 46730 (S) 2A 0.20 1.10 Taxidermists 21360 (S) 1 7.21 -- Tents or Canopies Loaned or Rented 21370 (S) 2A 0.49 0.78 Towels, Uniforms, Linens, Diapers, Infant Apparel Rental 21375 (S) 2A 0.99 0.43 Toy Stores 31605 (P) 1A 3.74 2.24 Upholstering Off Premises 32812 (P) 1A 1.33 1.67 Upholstering Shop Only 49450 (AC) 1 0.72 -- Vacant Land 21385 (P) 1A 2.23 0.11 Variety Stores 21575 (S) 2A 0.21 0.41 Vending Machine Operations 21390 (S) 2A 0.43 0.24 Video Stores 32821 (P) 2 11.99 -- Warehouses N.O.C. 28430 (S) 2 6.95 -- Warehouses Mini 01-14 CL-17