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- 1-4 Family Dwellings Liability
- Accident & Health
- Adult Book & Video Stores
- Adult Day Care
- Adult Entertainment
- Advertising Sign Companies - outdoor
- Air Conditioning Equipment - dealers and distributors only
- Air Conditioning Equipment Mfg.
- Alarm and Alarm Systems - installation/ servicing or repair
- Alcohol & Drug Counseling
- Amusement Centers
- Antique Stores
- Apartment & Condominiums
- 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/ commercial
- Appliances and Accessories - installation/ servicing or repair/ household
- Archery Ranges
- Army and Navy Stores
- Art Galleries (For Profit)
- Artisan / Contractors Liability
- 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.O.P's
- Bakeries
- Bakery Plants
- Banquet Facilities
- Bar / Taverns / Night Club / Discothèques
- 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
- Builder’s Risks
- 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
- Cable Installation in Conduits or Subways
- Camera and Photographic Equipment Stores
- Campgrounds
- Candy or Confectionery Products Mfg.
- Candy or Confectionery Stores
- Car Washes
- Car Washes - self-service
- Cargo
- Carpentry
- Carpentry - construction of residential 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
- Catalog or Premium Coupon Redemption Stores
- Ceiling or Wall Installations - metal
- Cemeteries
- Charity Events
- Chemical Distributors
- Child Care (Residential & Commercial)
- Child Day Care
- Chimney Cleaning
- Churches
- Churches or Other Houses of Worship
- Civic/ Social clubs
- Cleaning or Renovating - outside surface of building
- Clothing Mfg.
- Clothing or Wearing Apparel Distributors
- Clothing Stores
- Clubs - civic/service or social - having buildings or premises owned or leased
- Clubs – Private and Fraternal
- Comedy Clubs
- Commercial Auto (Select States)
- Commercial Packages
- Communication Equipment Installation - industrial or commercial
- Communication or Recording Systems or Equipment Mfg. - industrial or commercial
- Community Associations Package
- Computer Data Processing Operations
- Concerts Musicals
- Concessionaires
- Concessionaires - checkroom/shoe shine or toilet concessions in hotels/restaurants/railroad stations/etc.
- Concessionaires Stands
- 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)
- Condominiums (Residential & Commercial)
- Contractors - Executive Supervisors or Executive Superintendents
- Convenience Stores
- Convenience, Delicatessen and Grocery Store
- Cooperatives
- Copying and Duplicating Services - retail
- Counseling Services
- Country Clubs
- Crime
- Dance Studios
- Day Spas
- Daycares
- 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 Cleaners
- Dry Wall or Wallboard Installation
- Drywall Installation
- Dude and Guest Ranches
- Dwelling - four-family (lessor's risk only)
- 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 Mfg. - NOC
- Electrical Wiring
- Electrical Work - within buildings
- Electronic & Video Stores
- Elevator or Escalator Inspecting/ Installation/ Servicing or Repair
- Employee Benefit Liability
- Employment Related Practices
- Engineers or Architects - consulting - not engaged in actual construction
- Engraving
- EPLI (Employers Protection Liability Insurance)
- Equipment Breakdown
- Equipment/Fixtues or Supplies - for bars/hotels/offices/restaurants or stores - distributors
- Excavation
- Excess Liability
- Fabric Distributors
- Fabric Stores
- Fast Food Restaurants
- Fence Dealers
- Fence Erection
- Fence Erection Contractors
- Festivals
- Fine Dining
- Fire Suppression Systems-Installation, Servicing or repair
- Fishing Guides
- Fishing Tournaments
- Fitness Centers
- 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
- Fraternal Clubs
- 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)
- Garage Liability & Garage Keepers Legal Liability (Auto Mechanic, Repair, Paint & Body Shops)
- Gas Distributors-LPG
- Gasoline Station - full service
- Gasoline Station - self service
- Gasoline Station - self service/full service
- Gasoline, Service Stations with Convenience Stores
- General Contractor Liability
- 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
- Green – Grow Program
- Grocery Distributors
- Grocery Stores
- Guide and Outfitters
- Guniting or Shot-Crete
- Halfway Houses
- Hall
- Handyperson
- Hardware and Tool Distributors
- Hardware Stores
- 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 - four stories or more
- Hotels and Motels - without pools or beaches - less than four stories -
- Hotels/Motels
- House Furnishings Installations -NOC
- Hunt Club
- Hunting Leases
- Hunting Preserves
- Ice Cream Stores
- Ice Dealers and Distributors
- Identity Theft – Admitted
- Inland Marine
- Inspection and Appraisal Companies - inspecting for insurance or valuation purposes
- Insulation Work - mineral
- Insulation Work - organic or plastic in solid state
- Insulation Work - plastic
- Insurance Agents
- Interior Decorators
- Janitorial
- Janitorial Services
- Janitorial Supplies - dealers or distributors
- Jewelry Mfg.
- Jewelry Stores or Distributors
- 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
- Laundromats
- Lawn Maintenance
- Leather Goods Mfg.
- Lessor’s Risks
- Liquor Liability
- Locksmiths
- Logging Competitions
- Lumberyards
- 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 - construction or industrial - mobile type
- Machinery or Equipment Dealers - yard or garden type
- Machinery or Machinery Parts Mfg.
- Machinery or Machinery Parts Mfg. - industrial type
- Machinery or Machinery Parts Mfg. - metalworking
- Manufactured Housing Community for Adults
- Martial Arts
- Masonry
- 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
- Mercantile Stores
- Metal Dealers or 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
- Neighborhood Taverns
- Newspaper or Magizine Distributors
- Newsstands
- Non-franchised dealer
- Non-Profit Premises Preferred
- Nursery - garden
- Office Machine Installation & Repair
- Office Machine or Appliances - Installation, Inspection, adjustment or repair
- Offices
- Off-Premises Caterers
- One and Two Family Dwellings
- Optical Goods Stores
- Owner’s/Tenant’s Protective Liability
- 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 / Exterminator Liability
- Pet Care Services
- 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
- Premises Liability
- Pressure Washers
- Printing
- Private Investigators
- Professional Liability
- Property
- Recycling Center
- Refrigeration Equipment Dealers and Distributors only - commercial
- Refrigeration Systems or Equipment - dealers & distributors & installation/ servicing or repair - commercial
- Rental Dwelling Liability
- 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 Liquor Stores
- Retail Stores
- Rod and Gun Clubs
- Rodeos
- Rug Cleaners
- Running/walking events
- RV/Mobile Home Parks
- Second Hand Goods
- Security Guard Program (Armed & Unarmed)
- 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
- Showtime Package
- 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
- Social Services
- Special Events
- Specialty Training Schools
- 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 - food or drink
- Stores - no 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
- Tanning Spas
- Television or Radio Receiving Set Installation or repair
- Tent or Canopy Mfg.
- 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 Distributors
- Tobacco Products Mfg. - cigars or cigarettes
- Tobacco Products Mfg. - other
- Tobacco Products Mfg. - plug or snuff
- Tobacco Products Stores
- Tobacco Rehandling or Warehousing
- Total Office Protection
- Townhome / Homeowner Association
- Townhouses or Similar Associations (association risk only)
- Toy Distributors
- Toy Stores
- Tractor Pulls
- Trade Events
- Training School Program
- Trap, Skeet and Sporting Clay
- Tree Pruning/ Dusting/ Spraying/ Repairing/ Trimming or Fumigating
- Tree Trimmers
- Umbrella (Limits up to $5 million)
- Umbrellas / Excess Liability
- Upholstering
- Upholstering - shop only
- Upholsters
- Vacant Buildings
- Vacant Land
- Vacant Land / Property
- Vending Machine Operations
- Venetian Blinds Mfg. or Assembling
- Veterinarian or Veterinary Hospitals
- VFW/Legion Halls
- Vineyards
- Warehouse - cold individual storage lockers
- Warehouse - cold storage - public
- 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
- Wind 5% & 10% deductible (on package quotes)
- Window Cleaners
- Window Cleaning
- Workers Compensation (Select States)
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