*A*
– Accident & Health
– Adult Book Stores
– Adult Day Care
– Advertising Sign Companies – outdoor
– Air Conditioning Equipment – dealers and distributors only
– Air Conditioning Equipment Mfg.
– Air Conditioning Systems or Equipment – dealers or distributors & installation/ servicing or repair
– Alarm and Alarm Systems – installation/ servicing or repair
– Alcohol & Drug Counseling
– Amusement Centers
– Antique Stores
– Apartment Buildings – other than greater New York
– Apartments
– Apartments with Mercantile
– Appliance Distributors – household type
– Appliance Installation & Repair
– Appliance Stores – household type
– Appliances and Accessories – installation/ servicing or repair/ household
– Appliances and Accessories – installation/ servicing or repair/ commercial
– Archery Ranges
– Army and Navy Stores
– Art Galleries (For Profit)
– Arts and Craft Fairs
– Athletic Events
– Auctions
– Auto Shows
– Automobile Dismantling
– Automobile Parts and Supplies Distributors
– Automobile Parts and Supply Stores
– Automobile Renting or Leasing Companies
– Automobile Repair or Service Shops – NOC
– Automobile Repair Shops – self service
*B*
– Bakeries
– Bakery Plants
– Banquet Facilities
– Barber or Beauty Shop Supplies Distributors
– Barber Shops
– Bars
– Basketball Shoots
– Batting Cages
– Beauty Parlors and Hair Styling Salons
– Beauty Salons
– Bed and Breakfast
– Beverage Distributors – alcoholic other than beer
– Beverage Distributors – nonalcoholic and beer
– Beverage Stores – liquor and wine
– Beverage Stores – soft drinks and beer
– Bicycle Stores – sales and servicing
– Bike Races
– Boat Shows
– Books and Magazine Stores (For Profit)
– Boxes or Containers Mfg. – corrugated or fiber board
– Boxes or Containers Mfg. – wood
– Building Material Dealers
– Building Material Distributors
– Building of Premises – Bank or Office
– Building of Premises – Bank or Office – mercantile or manufacturing – (lessor’s risk only)
– Building of Premises – Bank or Office – mercantile or manufacturing – maintained by the insured)
– Bumper Boats
– Business owners Package – Admitted
*C*
– Cable Installation in Conduits or Subways
– Camera and Photographic Equipmemt Stores
– Campgrounds
– Candy or Confectionery Products Mfg.
– Candy or Confectionery Stores
– Car Washes
– Car Washes – self-service
– Carpentry
– Carpentry – construction of residental property not exceeding three stories in height
– Carpentry – interior
– Carpentry – shop only
– Carpet Cleaners
– Carpet Installations
– Carpet/ Rug/ Furniture or Upholstery Cleaning – on customer’s premises
– Carpet/ Rug/ or Upholstery Cleaning – shop only
– Casinos
– Caterers
– Caters
– Catolog or Premium Coupon Redemption Stores
– Ceiling or Wall Installations – metal
– Cemeteries
– Charity Events
– Chemical Distributors
– Child Day Care
– Chimney Cleaning
– Churches or Other Houses of Worship
– Civic/ Social clubs
– Cleaning or Renovating – outside surface of building
– Clothing Mfg.
– Clothing or Wearing Apparel Distributors
– Clubs – civic/service or social – having buildings or premises owned or leased
– Clubs – Private and Fraternal
– Comedy Clubs
– Commercial Auto (Select States)
– Communication Equipment Installation – industrial or commercial
– Communication or Recording Systems or Equipment Mfg. – industrial or commercial
– Computer Data Processing Operations
– Concerts Musicals
– Concessionaires
– Concessionaires – checkroom/shoe shine or toilet concessions in hotels/restaurants/railroad stations/etc.
– Concrete Construction
– Concrete or Plaster Products mfg-Not Structural
– Condominiums
– Condominiums – commercial – bank or mercantile/ manufacturing or office (association risk only)
– Condominiums – commercial – shopping centers (association risk only)
– Condominiums – commercial warehouses – manufacturing or private (association risk only)
– Condominiums – residential (association risk only)
– Contractors – Executive Supervisors or Executive Superintendents
– Convenience Stores
– Cooperatives
– Copying and Duplicating Services – retail
– Counseling Services
– Country Clubs
– Crime
*D*
– Dance Studios
– Day Spas
– Debris Removal – construction site
– Delicatessans
– Demolition contractors
– Dental Laboratories
– Departmant or Discount Stores
– Dieticians
– Directors and Officers Liability
– Distributors
– Distributors – food or drink
– Distributors – no food or drink
– Door or Window Mfg. – other than wood
– Door or Window Mfg. – wood
– Door/ Window or Assembled Millwork – installation – metal
– Driveway/ Parking Area or Sifewalk – paving or repaving
– Driving Ranges
– Drug Distributors
– Drugstores
– Drugstores – no table or counter service for beverage or food
– Dry Wall or Wallboard Installation
– Drywall Installation
– Dude and Guest Ranches
– Dwelling – four-family (lessor’s risk only)
*E*
– Electric Light or Power Line Construction – NOC
– Electric Light or Power Line Construction – Rural Electification Administration projects only
– Electrical Apparatus – installation/ servicing or repair – NOC
– Electrical Equipment Distributiors
– Electrical Equipment Manufacturing – NOC
– Electrical Wiring
– Electrical Work – within buildings
– Elevator or Escalator Inspecting/ Installation/ Servicing or Repair
– Engineers or Architects – consulting – not engaged in actual construction
– Engraving
– Equipment Breakdown
– Equipment/Fixtues or Supplies – for bars/hotels/offices/restaurants or stores – distributors
– Excavation
– Excess Liability
– Exterminators/Pest Control
*F*
– Fabric Distributors
– Fabric Stores
– Fence Dealers
– Fence Erection
– Fence Erection Contractors
– Festivals
– Fine Dining
– Fire Suppression Systems-Installation, Servicing or repair
– Fishing Guides
– Fishing Tournaments
– Flea Markets
– Floor Covering Distributors
– Floor Covering Installation
– Floor Covering Installations – not ceramic tile or stone
– Floor Covering Stores
– Florists
– Formal Wear or Customs – rented to others
– Freight Forwarders or Handlers – NOC
– Frozen Food – distrubutors
– Fruit or Vegatable Dealers
– Fruit or Vegatable Distributors
– Fundraisers
– Funeral Homes or Chapels
– Fur – garments and pelts – distributors
– Furniture and Fixtures Installation
– Furniture Mfg. or Assembling – other than wood
– Furniture Mfg. or Assembling – wood
– Furniture or Fixtures – installation in offices or stores/ portable – metal or wood
– Furniture or woodwork finishing/repair
– Furniture or Woodworking Stripping – refinishing or repairing – shop only
– Furniture Store
– Furniture Stores (For Profit)
– Furniture Stores (Not For Profit)
*G*
– Gas Distributors – LPG
– Gasoline Station – full service
– Gasoline Station – self service
– Gasoline Station – self service/full service
– General Liability
– Gentlemen’s Clubs
– Gift Shop
– Glass Dealers and Glaziers
– Glass or Glassware Mfg.
– Go-Kart Tracks
– Golf Courses
– Golf Hole in One
– Golf Tournaments
– Grading of Land
– Grocery Distributors
– Grocery Stores
– Grocery Stores
– Guide and Outfitters
– Guniting or Shot-Crete
*H*
– Halfway Houses
– Hall
– Handyperson
– Hardware and Tool Distributors
– Hardware Stores
– Health & Exercise Clubs
– Health and Exercise Clubs
– Hearing Aid Stores
– Heating and Air Conditioning
– Heating or Combined Heating & Air Conditioning Equipment – dealers or distributors only
– Heating or Combined Heating & Air Conditioning Equipment Systems or Equipment – dealers or distributors &
installations/servicing or repair
– Heating or Combined Heating & Air Conditioning Systems or Equipment – dealers or distributors & installation/
– servicing or repair – no liquefied petroleum gas (LPG) equipment/sales or work
– Hired and Non-Owned Auto
– Holiday Parties and Receptions
– Home Improvement Stores
– Homeless Shelters
– Homeowners Associations
– Hotels and Motels – (lessor’s risk only) four stories or more
– Hotels and Motels – (lessor’s risk only) less than four stories
– Hotels and Motels – with pools or beaches – four stories or more
– Hotels and Motels – with pools or beaches – less than four stories
– Hotels and Motels – without pools or beaches – less than four stories –
– Hotels and Motels – without pools or beaches – four stories or more
– Hotels/Motels
– House Furnishings Installations -NOC
– Hunt Club
– Hunting Leases
– Hunting Preserves
*I*
– Ice Cream Stores
– Ice Dealers and Distributors
– Identity Theft – Admitted
– Inland Marine
– Inspection and Appraisal Companies – inspecting for insurance or valuation purpose
– Insulation Work – organic or plastic in solid state
– Insulation Work – plastic
– Insurance Agents
– Interior Decorators
*J*
– Janitorial Services
– Janitorial Supplies – dealers or distributors
– Jewelry Mfg.
– Jewelry Stores or Distributors
*K*
– Kindergardens/Day Cares/Schools
*L*
– Landscape Gardening
– Landscapers
– Laundries and Dry Cleaners
– Laundries and Dry Cleaning or Dyeing Receiving Stations
– Laundries and Dry Cleaning Plants
– Laundries and Dry Cleaning Stores
– Lawn Maintenance & Service
– Leather Goods Manufacturing
– Limousine Companies & Services
– Liquor Liability
– Locksmiths
– Logging Competitions
– Lumberyards
*M*
– Machine Shops
– Machinery or Equipment – industrial – installation/ servicing or repair
– Machinery or Equipment – installation/ servicing or repair
– Machinery or Equipment Dealers
– Machinery or Equipment Dealers – yard or garden type
– Machinery or Equipment Dealers – construction or industrial – mobile type
– Machinery or Machinery Parts Mfg.
– Machinery or Machinery Parts Mfg. – industrial type
– Machinery or Machinery Parts Mfg. – metalworking
– Martial Arts
– Massage Therapists
– Mattress or Box Spring Mfg.
– Meat/Fish/Poultry or Seafood – distributors
– Meat/Fish/Poultry or Seafood Stores
– Medica/Hospital and Surgical Supply Store
– Meetings
– Metal Dealers
– Mineral Insulation Work
– Metal Distributors – nonstructural
– Metal Dealers or Distributors – structural
– Metal Erection – decorative or artistic
– Metal Erection – Non Structural
– Metal Goods MFG
– Metal Scrap Dealers
– Metal Work Shop Decorative or Artistic
– Mica Goods Mfg.
– Mini Storage
– Miniature Gulf
– Mobile Home Parks or Courts
– Musical Instrument Stores
*N*
– Newspaper or Magizine Distributors
– Newsstands
– Non-franchised dealer
– Nursery – garden
*O*
– Office Machine Installation & Repair
– Office Machine or Appliances – Installation, Inspection, adjustment or repair
– Offices
– One and Two Family Dwellings
– Optical Goods Stores
*P*
– Package Programs
– Packing Houses
– Paint mfg
– Paint/Wallpaper or Wallcovering Stores
– Painting
– Painting – exterior – building of structures – three stories or less in height – NOC
– Painting – interior buildings or structures
– Painting – shop only
– Painting/Picture or Frame Stores
– Paper Coating or Finishing
– Paper Goods Mfg.
– Paper Mfg.
– Paper Products Distributors
– Paper/ Rag or Rubber Stock Dealers and Distributors – secondhand
– Paperhanging
– Parades
– Parking – private
– Parking – public- shopping centers maintained by insured (lessor’s risk only)
– Parking – public- shopping centers maintained by lessee (lessor’s risk only)
– Pawn Shops
– Pest Control Operators
– Pet Groomers
– Pet Stores
– Photographers
– Physical Therapists
– Piano Tuners
– Piano Tuning
– Pilates Studios
– Plastering or Stucco Work
– Plastic or Rubber Goods Mfg. – household – NOC
– Plastic or Rubber Goods Mfg. – other than household – NOC
– Plastic or Rubber Supply Goods Distributors
– Plays/Theater Performances
– Plumbers
– Plumbing – commercial and industrial
– Plumbing – residental or domestic
– Plumbing Supplies and Fixtures Dealers and Distributors
– Pony Rides
– Pressure Washers
– Printing
– Private Investigators
– Professional Liability
– Property
*R*
– Recycling Center
– Refrigeration Equipment Dealers and Distributors only – commercial
– Refrigeration Systems or Equipment – dealers & distributors & installation/ servicing or repair – commercial
– Rental Stores
– Repair Shops
– Resorts
– Restaurants
– Restaurants – refreshment stands
– Restaurants – with no sale of alcohol – without dance floor
– Restaurants – with sale of alcohol less than 75% of total receipts
– Restaurants – with sales of alcoholic beverages that are more than 75% of the total annual receipts
– Retail Stores
– Rod and Gun Clubs
– Rodeos
– Rug Cleaners
– Running/walking events
– RV/Mobile Home Parks
*S*
– Second Hand Goods
– Security Guards – Armed
– Security Guards – Unarmed
– Septic Tank Cleaning
– Septic Tank Systems – cleaning
– Septic Tank Systems – installation/ servicing or repair
– Sheet Metal Work
– Sheet Metal Work – outside
– Sheet Metal Work – shop only
– Shoe Repair Shops
– Shoe Stores
– Shooting Ranges
– Shopping Center – Building or premises not occupied by the insured (lessor’s risk only)
– Shopping Centers
– Siding Installation
– Sign Erection/ Installation or Repair
– Sign Mfg. – electrial
– Sign Mfg. – other than electrical
– Sign Painting or Lettering – inside of buildings
– Sign Painting or Lettering on Buildings or Structures
– Snow Removal
– Special Events
– Specialty Training Schools
– Sport Camps
– Sport Instructors
– Sport Leagues
– Sporting Goods or Athelic Equipment Distributors
– Sporting Goods or Athelic Equipment Stores
– Sportsmen’s
– Stationery or Paper Products Stores
– Stone Cutting or Polishing
– Stores – no food or drink
– Stores – food or drink
– Street Dances
– Strip Shopping Centers
– Supermarkets
– Surveyors – land – not engaged in actual construction
– Swimming Pool and Maintenance
– Swimming Pools – commercially operated
– Swimming Pools – installation/ servicing or repair – above ground
– Swimming Pools – installation/ servicing or repair – below ground
*T*
– Tanning Spas
– Taxi Companies & Services
– Television or Radio Receiving Set Installation or repair
– Tent or Canopy Manufacturers
– Tent or Canvas Goods – erection/ removal or repair/ away from shop
– Textile Bleaching/ Dyeing/ Mercerizing/ Printing/ Finishing or Silk Screening – new goods
– Textile Mfg. – impregnated or coated
– Textile Products Mfg. – fabricated
– Tile, Stone Installation
– Tile/ Stone/ Marble/ Mosiac or Terrazzo Work – interior construction
– Tobacco Products Mfg. – cigars or cigarettes
– Tobacco Products Mfg. – other
– Tobacco Products Mfg. – plug or snuff
– Tobacco Products Distributors
– Tobacco Products Stores
– Tobacco Rehandling or Warehousing
– Townhouses or Similar Associations (association risk only)
– Tow Trucks / Towing Companies
– Toy Distributors
– Toy Stores
– Tractor Pulls
– Trade Events
– Trap, Skeet and Sporting Clay
– Tree Pruning/ Dusting/ Spraying/ Repairing/ Trimming or Fumigating
– Tree Trimmers
– Truckers (Local & Long Haul)/Delivery
*U*
– Umbrella (Limits up to $5 million)
– Upholstering
– Upholstering – shop only
– Upholsters
*V*
– Vacant Land
– Vacant Land / Property
– Vending Machine Operations
– Venetian Blinds Mfg. or Assembling
– Veterinarian or Veterinary Hospitals
– VFW/Legion Halls
– Vineyards
*W*
– Warehouse – cold storage – public
– Warehouse – cold individual storage lockers
– Warehouse – miniwarehouse
– Warehouse – occupied by multiple interests (lessor’s risk only)
– Warehouse – occupied by single interests (lessor’s risk only)
– Warehouse – Private
– Warehouses
– Water Softening Equipment – installation, servicing or repair
– Waterproofing
– Welding or Cutting
– Window Cleaners
– Window Cleaning
*Y*
– Yoga Studios