Description of Risk A\| B\| C\| D\| E\| F\| G\| H\| I\| J\| K\| L\| M\| N\| O\| P\| Q\| R\| S\| T\| U\| V\| W\| X\| Y\| Z	Umbrella/ Excess
Academic Testing Centers	-
Acupuncturists	-
Accident Prevention Consultants	-
Adult Daycare Centers	-
Adult Video Stores	-
Air Compressor Repair Services	-
Air Conditioner Dealers	-
Air Conditioning Contractors	-
Air Conditioning Equipment Mfgrs.	-
Alternative Dispute Resolution Firms	-
Alternative Health Centers/Practitioners	-
Alteration & Remodeling Contr.	-
Amusements - Excl. midway	-
Amusements - including Inflatables	-
Animal Services	-
Antique Stores	-
Apartment Buildings (2 story & under)	-
Appliance Repair Services - Small	-
Appliance Stores - Household	-
Appliance, Radio & TV Wholesalers	-
Arborists or Tree Surgeons	-
Architects & Landscape (office only)	-
Aromatherapists	-
Art Appraisers	-
Art Conservators	-
Art Galleries	-
Art Studios - Commercial	-
Assisted Living Facilities	-
Auctioneers	-
Audiologists	-
Audiometric Testing Companies	-
Auto Accessories & Parts Mfgrs.	-
Auto Alignment	-
Auto Body Shops	-
Auto Diagnostic Centers	-
Auto Parts and Accessories	-
Auto Parts Wholesalers (new parts only)	-
Auto Repair & Service Equipment - Wholesale	-
Auto Repair Shops (see specific occ.)	-
Auto Towing Service	-
Auto Wrecking (for scrap)	-
Bakeries - Baking & Selling - Retail	-
Bakery Products & Bread Mfgrs.	-
Barber Shops	-
Batteries, Tires & Auto Accessories - Retail	-
Beauty Salons-Excl, Professional Liability	-
Bicycle Repair Shops - no rental	-
Bicycle Shops	-
Blueprint & Photocopy Service	-
Boarding & Rooming Houses	-
Body Piercing or Ear Piercing Studios	-
Book Stores - New	-
Bookbinding & Related Work	-
Bookkeeping - Auditing - Accounting	-
Boutiques	-
Bowling Lanes	-
Brake Services - Auto	-
Builders Risk - COC - 1-5 dwellings	-
Building Cleaning Services	-
Building Contr. - Prefab Metal (under 2 story)	-
Building Equipment Installation Contractors	-
Building Manufacturers - Prefab Wood	-
Building Manufacturers - Prefab Metal	-
Building Materials Wholesalers	-
Bus Companies - No Auto	-
Business Services NOC	-
Cabinet Manufacturers	-
Cabinet Stores - Kitchen	-
Cafeterias	-
Calculating & Statistical Services	-
Camera & Photo Supply Stores	-
Camper & Travel Trailer Manufacturers	-
Campgrounds - RV's & Trailers	-
Candy Manufacturers	-
Candy Stores	-
Candy Wholesalers	-
Canners - Fruit & Vegetable	-
Canvas Products Manufacturers	-
Car Rental & Leasing-No Auto	-
Car Washes	-
Carburetor, Piston, Ring & Valve Manufacturer	-
Carpentry Work	-
Carpet & Rug Dealers	-
Carpet & Rug Laying Contractors	-
Carpet & Rug Repairing Services	-
Carpet & Rug Wholesalers	-
Carpet & Upholstery Cleaners	-
Caterers	-
Cemeteries - Excl. Professionals	-
Ceramic Tile Setting Contractors	-
Chambers of Commerce	-
Cheese Manufacturers	-
Cheese Stores	-
Chiropodists - office only	-
Chiropractors - office only	-
Churches - Excl, Physical & Sexual abuse	-
Civic, Social & Fraternal Organizations	-
Clay Products Manufacturers	-
Cleaners & Dyers	-
Clinics � Animal	-
Clock, Watch, Jewelry Repair Shops (no crime)	-
Clothing - Retail	-
Clothing Rental	-
Clothing Stores - Used	-
Coin & Stamp Dealers (no crime)	-
Coin-Op Laundries & Cleaners (attended only)	-
Cold Storage Warehouses	-
Commodity Brokers (no crime)	-
Concrete Products Manufacturers - NOC	-
Concrete Contractors	-
Condominiums	-
Construction Materials Wholesalers	-
Contract Food Services	-
Contractors - Acoustical & Insulation	-
Contractors - Alteration & Remodeling	-
Contractors - Bridge (small)	-
Contractors - Building Equipment Install	-
Contractors - Carpentry Work	-
Contractors - Ceramic Tile Setters Marble, Mosaic	-
Contractors - Communication & Power Line	-
Contractors - Concrete Work	-
Contractors - Drilling Water Wells	-
Contractors - Driveway	-
Contractors - Electrical Work	-
Contractors - Elevator Installation	-
Contractors - Equipment & Supply Wholesalers	-
Contractors - Erecting & Moving Machinery	-
Contractors - Excavating	-
Contractors - Fence	-
Contractors - Fireproofing	-
Contractors - Floor Laying & Resurfacing	-
Contractors - Floor Work - NOC	-
Contractors - Glass & Glazing	-
Contractors - Construction	-
Contractors - Highway & Street	-
Contractors - House Moving	-
Contractors - Irrigation	-
Contractors - Masonry & Stone	-
Contractors - Non-Ceramic Tile & Linoleum	-
Contractors - Painting & Decorating & Paper Hanging	-
Contractors - Plaster & Drywall	-
Contractors - Plumbing	-
Contractors - Plumbing Heating & Air Conditioning	-
Contractors - Prefab Metal Building> (2 story & under)	-
Contractors - Roofing	-
Contractors - Scaffolding	-
Contractors - Septic Tank Installation	-
Contractors � Siding-(up to 4 storeys)	-
Contractors - Sheet Metal - only	-
Contractors - Stevedoring	-
Contractors - Structural Steel	-
Contractors - Stucco	-
Contractors - Swimming Pool	-
Contractors - Tile, Marble, Mosaic	-
Contractors - Waterproofing	-
Contractors - Water, Sewer, Water Pipeline	-
Contractors - Water Well Drilling	-
Contractors - Wrecking & Demolition-(up to 4 storeys)	-
Convalescent Nursing Rest Homes	-
Convenience Food Stores	-
Convention Planners	-
Copying & Duplicating Services	-
Country Clubs	-
Creamery Butter Manufacturers	-
Credit Unions (no crime)	-
Crematory Operations	-
Dairy, Soft Drink, Ice Cream Stands (no cooking)	-
Dairy Products Manufacturing	-
Dairy Products Stores	-
Dairy Products Wholesale	-
Data Processing Services	-
Day Care Centers - Excl. Physical & Sexual abuse	-
Day Spas	-
Decorating, Paint, Paper Contractors	-
Decorators - Interior	-
Decorators' Supplies Wholesalers	-
Delicatessen Restaurants	-
Delicatessens (no cooking or alcohol)	-
Dental Laboratories	-
Dentists' Offices-Premises	-
Department Stores	-
Diagnostic Centers - Auto	-
Die & Tool Manufacturers	-
Dieticians (Consulting)	-
Dinner Theatre Restaurants	-
Display Case - Refrigerated Wholesalers	-
DNA Testing Services	-
Dog & Cat Kennels-Excl. CCC	-
Dog Grooming Services	-
Door, Sash & Trim Manufacturers	-
Doughnut Shops - Retail	-
Drapery, Curtain, Upholstery Shops-Retail	-
Dressmaker	-
Drilling Contractors - Water Well	-
Drive-In Restaurant	-
Driver Training Schools (Private)	-
Driveway Contractors	-
Drug Stores-Exlc. Malpractice	-
Dry Cleaners	-
Drywall Contractors	-
Duplicating & Copying Services	-
Earthenware Manufacturers - Kitchen	-
Egg & Poultry Processors	-
Electric Appliance Dealers	-
Electric & Electronic Repair Shops	-
Electrical Apparatus Wholesalers	-
Electrical Appliance Wholesalers	-
Electrical Services - Auto	-
Electrical Work Contractors	-
Electrolysis Studio	-
Electronic Parts & Equipment - Wholesale	-
Employment Agencies	-
Engineering, Architectural Service - Premises	-
Environmental Consulting Firms	-
Equipment Rental & Leasing Services	-
Excavating Contractors	-
Fabricated Metal Products Manufacturers	-
Fairs - Excl Midway Rides	-
Farm & Garden Supply Stores	-
Fast Food - Franchise	-
Feed Manufacturers	-
Filling Stations - Retail Gas	-
Finance Companies	-
Financing Consultants	-
Fire Extinguishers Wholesalers	-
Fish, Meat, Seafood Markets	-
Fish & Seafood Plants - Fresh/Frozen	-
Fish & Seafood Plants - Canned	-
Fish & Seafood Wholesalers	-
Floor Covering Stores	-
Floriculture, Ornamental	-
Florist Supplies Wholesale	-
Florist - Retail	-
Forestry Firms/Consultants	-
Fraternities & Sororities	-
Freight Brokers	-
Frozen Fruit & Vegetable Manufacturers	-
Fruit & Vegetable Manufacturers & Canning	-
Fruit & Vegetable Stores	-
Fruits & Vegetables, Fresh - Wholesale	-
Fund Raising Consultants	-
Funeral Homes	-
Furniture, Office & Equipment - Wholesale	-
Furniture - Retail & Wholesale	-
Furniture Manufacturer	-
Furniture Stores - Used	-
Furniture & Upholstery Repair	-
Garbage & Trash Collectors	-
Garden & Farm Supply Stores	-
Gasoline Service Stations	-
General Contractors - NOC	-
General Contractors - 1 to 4 Fm Dwg	-
Gift Shops	-
Gift & Novelties - Wholesale	-
Glass & Glazing Contractors	-
Golf & Country Clubs	-
Grain Elevators	-
Graphic Designers	-
Gravel Quarries	-
Greenhouses - Named Perils	-
Groceries - Wholesale	-
Grocery Stores (under 7,500 sq. ft.)	-
Guard & Patrol Services	-
Gunsmiths & Gun Shops Excl. Manufacturers	-
Gutter & Downspout Contractors	-
Halls & Auditoriums	-
Hardware Stores	-
Health Clubs	-
Hearing Aid Outlets	-
Heating Contractors	-
Heating & Plumbing Products - Wholesale	-
Holding Companies	-
Home Furnishing Stores	-
Homeopaths	-
Hospice Facilities	-
Hotels & Motels (2 story & under)	-
Hypnotherapists	-
Ice Cream Dairy & Soft Drink Stands (no cooking)	-
Insulation Contractors	-
Insurance Adjusters	-
Insurance Agents	-
Interior Decorating Services	-
Inventory Services	-
Janitor Supplies Wholesale	-
Janitorial Services - House or Office	-
Jewelry Stores (no crime) - Named Perils	-
Kitchenware & Houseware Stores	-
Landscape Architects (office only)	-
Landscape Maintenance Services	-
Laundries	-
Laundries - Coin-Op (attended only)	-
Lawn Mower Dealers	-
Lawn Mower Sharpening & Repair	-
Lawyers - Excl. E&O	-
Leather Goods & Handbag Shops	-
Libraries	-
Lighting Consultants	-
Lighting Fixture - Wholesalers	-
Limousine Services- No Auto	-
Linen Supply Services	-
Linoleum & Non-Ceramic Tile Contractors	-
Liquor Stores	-
Loan Companies (no crime)	-
Local Trucking	-
Locksmiths	-
Logging Contractors	-
Lunchroom & Lunch Counters	-
Lumber & Building Materials Dealers	-
Machine Shops	-
Magazine & Newspaper Distributors	-
Management Consultants	-
Manufacturing Agents & Reps	-
Manufacturers	-
Marinas & Yacht Clubs	-
Marketing Consultants	-
Marketing Research Firms	-
Marriage and Family Counseling Services	-
Masonry & Stonework Contractors	-
Massage Therapists	-
Meat - Freezer & Locker Business	-
Medical Labs - No E & O Premises	-
Media Storage Centers	-
Membership Organizations - Professional	-
Metal Work Manufacturers	-
Microfilming Services	-
Milk Manufacturers	-
Mobile Home Dealer	-
Mobile Home Manufacturers	-
Mobile Home Parks	-
Mortgage Companies	-
Motels & Hotels (2 story & under)	-
Muffler Shops	-
Museums	-
Music Stores	-
Nail Salons	-
Naturopaths	-
Novelty Shops	-
Nursery & Garden Stores	-
Nurserymen	-
Nursing & Rest Homes - Excl. Professionals	-
Occupational Health and Safety Consultants	-
Office Machine Wholesalers	-
Office Supply Stores	-
Opticians	-
Optometrists	-
Ore Mining	-
Ornamental Metal Manufacturers (non- structural)	-
Outdoor Advertising Services	-
Owner Occupied Dwellings	-
Paging Calling Equipment Wholesalers	-
Paint Dealers	-
Paint Glass Wallpaper Dealers	-
Paint Paperhanging & Decorating Contractors	-
Pallet & Skid Manufacturers - Wood	-
Paper Products Manufacturers	-
Paralegal Offices	-
Pawnbrokers	-
Pension Plan Consultants	-
Personal Trainers	-
Personal Watercraft Rentals	-
Pest Control	-
Pesticide & Herbicide Manufacturers	-
Pet Food Manufacturers	-
Pet Shops	-
Photocopying Services	-
Photofinishing Laboratories	-
Photographers - Commercial	-
Photographic Studios	-
Physicians - Premises only	-
Physiotherapists	-
Piano & Organ Stores	-
Piano Tuning Services	-
Plaster Contractors	-
Plastic Products Manufacturers	-
Plumbing Contractors	-
Plumbing & Heating Equipment Wholesale	-
Plywood & Veneer Plants	-
Podiatrists	-
Pottery Products Manufacturers	-
Poultry Processing Plants	-
Prefabricated Wood Building Manufacturer	-
Prefabricated Metal Buildings	-
Printing and Allied Industries	-
Property Management Firms	-
Pump Wholesalers	-
Quality Control Consultants	-
Radiator Repair Shops - Auto	-
Radio Stations - Excl. Advertising, Liable & Slander	-
Radio & TV Stores	-
Raquet and Fitness Clubs	-
Ready-Mix Concrete Manufacturers	-
Real Estate Agencies (office only)	-
Recording Studios	-
Reflexologists	-
Restaurant Equipment Wholesalers	-
Restaurants	-
Retail Stores - NOC	-
Rented Dwellings	-
Rooming Houses	-
Roofing Contractors	-
Rug Cleaning Firms	-
Sailing Schools	-
Sand & Gravel Mining	-
Sand & Gravel Wholesalers	-
Sanitary Services	-
Savings & Loan Associations (no crime)	-
Sawmills & Planning Mills	-
School Bus Companies - No Auto	-
Schools -NOC - Excl. Physical & Sexual Abuse	-
Scrap Iron & Metal Dealers	-
Second-Hand Stores	-
Secretarial Services	-
Seed Processors	-
Septic Tank Installation Contractors	-
Service Stations - No Auto	-
Sewer Contractors	-
Sheet Metal Work Contractors	-
Shoe Repair Shops	-
Shoe Stores	-
Shopping Centers	-
Siding Contractors	-
Sightseeing and Local Tour Operators	-
Sign Erection - Maintenance & Repair	-
Snow Removal	-
Soil Preparation Services - Custom Farming	-
Souvenir Shops	-
Special Events - Award Dinners, Banquets, Block Parties, Dances, Fundraising Events, Golf Tournaments, Parades, Anniversaries, Bar Mitzvahs, Concerts, Family Function, Sale of Raffle Tickets, Mall Events, Showers, Birthday Parties, Bingos, Concessions, Fun Days, Picnics, Weddings.	-
Speech Pathologists or Therapists	-
Sporting Goods Stores - No Fire Arms	-
Staffing Services	-
Stationary Stores	-
Stereo Equipment Stores	-
Stock & Bond Brokers (no crime)	-
Street & Highway Contractors	-
Structural Steel Manufacturers	-
Student Housing	-
Supermarkets - over 7,500 sq. ft.	-
Surveying - Eng. & Arch. Service	-
Swimming Pool Contractors	-
Swimming Pools - Public	-
Tanning Salons	-
Tattoo Studios	-
Taxicab Companies - No Auto	-
Taxidermists	-
Telephone Answering Services	-
Taverns & Bars - Max. G/R $1MM-Liquor	-
Telephone & Intercom System Wholesalers	-
Television & Radio Stores (see crime rules)	-
Television Stations	-
Temporary Staffing Agencies	-
Tennis Instructors or Clubs	-
Tent & Awning Stores	-
Theaters	-
Tile Wholesalers	-
Tile Manufacturers - Ceramic Wall & Floor	-
Tire Dealers	-
Title Abstract Companies	-
Tool Manufacturers - Hand Power Driven	-
Tour Operators	-
Toy & Game Manufacturers	-
Trailer Home Manufacturers	-
Translators	-
Transmission Shops - Auto	-
Travel Agencies	-
Tree & Ornamental Shrub Services	-
Trim Sash Door Manufacturers	-
Truck & Bus Body Manufacturers	-
Truck Repairing & Service (no log or long haul)	-
U.S. Sales	-
Vacuum Cleaner Wholesalers	-
Variety Stores	-
Videotaping Services	-
Washing Machine Repair Services	-
Waste Paper Wholesalers & Recyclers	-
Water Softening Services	-
Waterproofing Contractors	-
Weather Forecast Services (Private)	-
Website Design Firms	-
Wedding Consultants	-
Weight Loss Centres	-
Welding Repair Shop	-
Wig & Hair goods Retailer (no crime)	-
Window Cleaning Services - up to 2 storys	-
Wine & Alcoholic Beverage Dealers	-
Wine & Alcoholic Beverage Manufacturer	-
Wood (Fuel) Dealers Retail	-
Wood Products Manufacturers-NOC	-
World Wide Sales	-