Does My Business Need Commercial Flood Insurance? Most small businesses need to buy the following four types of insurance at a minimum to cover their operations from every day risks: Property Insurance: This policy covers a business if the property used in the business is damaged or stolen as the result of common perils like fire or theft. To locate NCCI class codes, click the image below. This website was made for you. Welcome to insurance class codes!This site contains Work Comp (), GL, NAICS and SIC classification information. What is NAICS Code 541310? Online SIC Code List is shown below. 56654 - Machinery or Machinery Parts Mfg. SIC, NAICS, NCCI Class Code cross reference. GL: ISO’s General Liability code. 57871 - Pencil, Pen, Crayon or Chalk Mfg. If they do both Heating AND Air Conditioning work, use 95647 ONLY. 51869 - China, Porcelain or Earthenware Mfg. (Lessor’s Risk Only)-Other Than Not-For-Profit, 61216 - Buildings or Premises-Bank or Office-Mercantile or Mfg. Enter a search term or classification code below to begin your search. Insurance companies will assign your class codes based on your industry and the type of work performed by your business. Instructions for Class Code Lookup. General Liability Class Codes For Commercial Insurance. The SIC classification system is used by government and private agencies to classify industry areas. In the event that the business is sued, GL insurance protects them against many hazards and risks. What Is Excess And Surplus Lines Insurance? or Assembling-Infants, 53732 - Furniture Mfg. Commercial Auto Insurance: For vehicles owned by the business. (1622) 91589 Contractors – subcontracted work – in connection with street or highway construction, reconstruction or repair – not elevated (1611) 91590 Contractors Permanent Yards – maintenance or storage of equipment or material (See Note 1 – Bottom of Page 407) 91591 Contractors – subcontracted work – other than construction – related work (Type of contractor) 91600 Construction or Project Manager (8741) 91606 Crop Spraying – by contractors (0721) 91618 Dam or Reservoir Construction (1629) 91629 Debris Removal – construction site (4212) 91636 Detective or Investigative Agencies – private (7381) 91641 Dike, Levee or Revetment Construction (1629) 91666 Diving – marine (7389) 91722 Dock Operations – coal, grain or ore (4491) 91746 Door, Window or Assembled Millwork – installation – metal (1751) 91805 Draftsmen (7389) 92053 Dredging – gold – endless bucket or ladder type (1041) 92054 Dredging – gold – floating dragline type (1041) 92055 Dredging – NOC (1629) 92101 Drilling – NOC (1241, 1081, 1481) 92102 Drilling – water (1781) 92215 Driveway, Parking Area or Sidewalk – paving or repaving (1611) 92338 Dry Wall or Wallboard Installation (1742) 92445 Electric Light or Power Companies (4911, 4931) 92446 Electric Light or Power Line Construction – NOC (1623) 92447 Electric Light or Power Line Construction – rural electrification administration projects only (1623) 92451 Electrical Apparatus – installation, servicing or repair – NOC (7629, 1731) 92453 Electric Light or Power Cooperatives – rural electrification administration projects only (4911) 92478 Electrical Work – within buildings (1731) 92593 Elevator or Escalator Inspecting, Installation, Servicing or Repair (1796) 92663 Engineers or Architects – consulting – not engaged in actual construction (8711, 8712, 8713) 94007 Excavation (1794) 94099 Express Companies (4513, 4215) 94225 Farm Machinery Operations – by contractors (0761) 94276 Fence Erection Contractors (1799) 94304 Fire Extinguishers – servicing, refilling or testing (7389) 94381 Fire Suppression Systems – installation, servicing or repair (7389) 94404 Fireproofing – structures (1799) 94444 Contractors NOC (See Note 2 – Bottom of Page 407) 94569 Floor Covering Installation – not ceramic tile or stone (1752) 94590 Floor Waxing (7349) 94617 Freight Forwarders or Handlers – NOC (4731) 94638 Freight Forwarders or Handlers – packing, handling or shipping explosives or ammunition under contract (4731) 95124 Furniture or Fixtures – installation in offices or stores – portable – metal or wood (1796) 95233 Garbage, Ash or Refuse Collecting (4953) 95305 Gas Companies – NOC (4925, 4932) 95306 Gas Companies – natural gas – local distribution (4922, 4923, 4924) 95310 Gas Mains or Connections Construction (1623) 95357 Geophysical Exploration – NOC (1081, 1382, 1481) 95358 Geophysical Exploration – seismic method (1382) 95410 Grading of Land (1794) 95455 Grain Elevator Operations (4221, 5153) 95487 Greenhouse Erection (1799) 95505 Guniting or Shot-Crete (1771) 95620 Gunsmiths (7699) 95625 Handyman (1799) 95630 Hazardous Material Contractors (1799) 95647 Heating or Combined Heating and Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair – no liquefied petroleum gas (LPG) equipment sales or work (1711) 95648 Heating or Combined Heating and Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair – NOC (1711) 96053 House Furnishings Installation – NOC (1799) 96317 Inspection and Appraisal Companies – inspecting for insurance or valuation purposes (6411, 6531, 7389) 96408 Insulation Work – plastic – NOC (1742) 96409 Insulation Work – organic or plastic in solid state (1742) 96410 Insulation Work – mineral (1742) 96611 Interior Decorators (7389) 96702 Irrigation or Drainage System Construction (1629) 96703 Irrigation Works Operations (4971) 96816 Janitorial Services (7349) 96872 Jetty or Breakwater Construction (1629) 96930 Web Site Designers (7379) 97002 Laboratories – research, development or testing (8731, 8734) 97003 Laboratories – research, development or testing (8731, 8734) 97047 Landscape Gardening (0782) 97050 Lawn Care Services (0782) 97111 Logging and Lumbering (2411) 97220 Machine Shops – NOC (3599) 97221 Machinery or Equipment – farm – installation, servicing, repair or erection (7699) 97222 Machinery or Equipment – industrial – installation, servicing or repair (1796) 97223 Machinery or Equipment – installation, servicing or repair – NOC (1796) 97308 Marine Appraisers or Surveyors (8713) 97447 Masonry (1741) 97650 Metal Erection – decorative or artistic (1799) 97651 Metal Erection – frame structures, iron work on outside of buildings (1791) 97652 Metal Erection – in the construction of dwellings not exceeding 2 stories in height (1791) 97653 Metal Erection – nonstructural – NOC (1799) 97654 Metal Erection – steel lock gates, gas holders, standpipes, water towers, smoke stacks, tanks, silos, prison cells, fire or burglar-proof vaults (1799) 97655 Metal Erection – structural – NOC (1791) 98002 Mining – NOC (10, 12, 14) 98003 Mining – surface (10, 12, 14) 98090 Motion Pictures – development of negatives, printing and all subsequent operations (7819) 98091 Motion Pictures – film distribution or exchanges – not located at motion picture studios (7822) 98092 Motion Pictures – production – studios or outside – all operations prior to the development of negatives (7812) 98111 Office Machines or Appliances – installation, inspection, adjustment, repair (7629) 98150 Oil or Gas Lease Operations – natural gas (1311) 98151 Oil or Gas Lease Operations – natural gas – within the limits of any town or city, on the right -of-way of any railroad, or in any ocean, gulf or bay (1311) 98152 Oil or Gas Lease Work by Contractors – not lease operation (1629) 98153 Oil or Gas Wells – acidizing (1389) 98154 Oil or Gas Wells – cementing (1389) 98155 Oil or Gas Wells – cleaning or swabbing by contractors (1389) 98156 Oil or Gas Wells – cleaning or swabbing by contractors – within the limits of any town or city, on the right-of-way of any railroad, or in any ocean, gulf or bay (1389) 98157 Oil or Gas Wells – drilling or redrilling, installation or recovery of casing (1381) 98158 Oil or Gas Wells – drilling or redrilling, installation or recovery of casing – within the limits of any town or city, on the right-of-way of any railroad, or in any ocean, gulf or bay (1381) 98159 Oil or Gas Wells – instrument logging or survey work in wells (1389) 98160 Oil or Gas Wells – perforating of casing (1389) 98161 Oil or Gas Wells – servicing – by contractors (1389) 98162 Oil or Gas Wells – shooting (1389) 98163 Oil Rig or Derrick Erecting or Dismantling – wood or metal (1389) 98164 Oil Still Erection or Repair (1389) 98257 Orchards and Vineyards – operation by contractors (0721) 98303 Painting – exterior – buildings or structures – exceeding 3 stories in height – NOC (1721) 98304 Painting – exterior – buildings or structures – 3 stories or less in height – NOC (1721) 98305 Painting – interior – buildings or structures (1721) 98306 Painting – oil or gasoline tanks (1721) 98307 Painting – ship hulls (1721) 98308 Painting – shop only (1721) 98309 Painting – exterior – steel structures or bridges – exceeding 3 stories in height – NOC (1721) 98344 Paperhanging (1721) 98405 Piano Tuning (7699) 98413 Pile Driving – building foundation only (1629) 98414 Pile Driving – NOC (1629) 98415 Pile Driving – sonic method (1629) 98423 Pipeline Construction – gas (1623) 98424 Pipeline Construction – NOC (1623) 98425 Pipeline Construction – oil (1623) 98426 Pipeline Construction – slurry – nonflammable mixtures (1623) 98427 Pipelines – operation – gas (4922) 98428 Pipelines – operation – NOC (4619) 98429 Pipelines – operation – oil (4612, 4613) 98430 Pipelines – operation – slurry – nonflammable mixtures (4619) 98449 Plastering or Stucco Work (1742, 1771) 98482 Plumbing – commercial and industrial (1711) 98483 Plumbing – residential or domestic (1711) 98502 Prefabricated Building Erection (1521, 1522, 1541, 1542) 98555 Quarries (1411, 142, 1459, 1499) 98597 Radio or TV Broadcasting Stations (4832, 4833) 98598 Radio or TV Broadcasting Stations (4832, 4833) 98601 Railroad Construction (1629) 98622 Railroads – operation and maintenance – with BI passenger hazard (401) 98623 Railroads – operation and maintenance – without BI passenger hazard (401) 98624 Railroads – shop operation and maintenance (401) 98636 Refrigeration Systems or Equipment – dealers and distributors and installation, servicing or repair – commercial (7623, 1711) 98640 Renovating – outside surfaces of buildings (1799) 98658 Rigging – not ship or boat (1799) 98659 Rigging – ship or boat (3731, 3732) 98677 Roofing – commercial (1761) 98678 Roofing – residential (1761) 98698 Salvage Operations – NOC (7389) 98699 Salvage Operations – removing, sorting, reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildings (7389) 98705 Sandblasting (1799) 98710 Sand or Gravel Digging (144) 98751 Security and Patrol Agencies (7381) 98805 Septic Tank Systems – cleaning (7699) 98806 Septic Tank Systems – installation, servicing or repair (1711) 98810 Sewage Disposal – plant operations (4952) 98813 Sewer Cleaning (7699) 98820 Sewer Mains or Connections Construction (1623) 98871 Shaft Sinking (1081, 1241, 1481) 98884 Sheet Metal Work – outside (1761) 98914 Ship Ceiling or Scaling (7699) 98949 Ship Repair or Conversion (3731, 3732) 98967 Siding Installation (1761) 98993 Sign Erection, Installation or Repair (1799) 99003 Sign Painting or Lettering – inside of buildings (7389) 99004 Sign Painting or Lettering on Buildings or Structures (7389) 99080 Solar Energy Contractors (1711) 99111 Stables – boarding, livery or racing (7948, 7999) 99160 Steam Heating or Steam Power Companies (4961) 99163 Steam Mains or Connections Construction (1623) 99165 Steam Pipe or Boiler Insulation (1711) 99220 Stevedoring – by hand or by means of hand trucks exclusively – no hoisting of cargo (4491) 99221 Stevedoring – handling explosives or ammunition under contract (4491) 99222 Stevedoring – NOC (4491) 99223 Stevedoring – tallyers or checking clerks engaged in connection with stevedoring work (4491) 99303 Street Cleaning (4959) 99315 Street or Road Construction or Reconstruction (1611) 99321 Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping (1611) 99445 Subway Construction (1629) 99471 Surveyors – land – not engaged in actual construction (8713) 99505 Swimming Pool Servicing (7389) 99506 Swimming Pools – installation, servicing or repair – above ground (1799, 7389) 99507 Swimming Pools – installation, servicing or repair – below ground (1799, 7389) 99570 Tank Construction, Installation, Erection or Repair – metal – not pressurized – NOC (1791) 99571 Tank Construction, Installation, Erection or Repair – metal – pressurized – NOC (1791) 99572 Tank Construction, Installation, Erection or Repair – metal – not pressurized – within buildings exclusively (1791) 99573 Tank Construction, Installation, Erection or Repair – metal – pressurized – within buildings exclusively (1791) 99600 Telecommunication Service Providers (4813) 99613 Telephone, Telegraph or Cable Television Line Construction (1623) 99614 Telegraph Companies (4822) 99620 Teleproduction Studios (7812) 99650 Television or Radio Receiving Set Installation or Repair (7622) 99709 Tent or Canvas Goods – erection, removal or repair – away from shop (1799) 99718 Theatrical Companies – traveling (7922) 99746 Tile, Stone, Marble, Mosaic or Terrazzo Work – interior construction (1743) 99760 Tobacco Rehandling or Warehousing (4221) 99777 Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating (0783) 99793 Truckers (421) 99798 Tunneling (1622) 99803 Underpinning Buildings or Structures (1799) 99826 Upholstering – NOC (7641) 99827 Upholstering – shop only (7641) 99851 Veterinarian or Veterinary Hospitals (074) 99917 Warehouse – cold storage – public (4222) 99938 Warehouses – NOC (4221, 4225, 4226) 99943 Water Companies (4941) 99946 Water Mains or Connection Construction (1623) 99948 Water Softening Equipment – installation, servicing or repair (1799) 99952 Waterproofing – by pressure apparatus (1799) 99953 Waterproofing – by trowel – exterior (1799) 99954 Waterproofing – by trowel – interior or insulation work (1799) 99955 Waterproofing – NOC (1799) 99963 Weighers, Samplers or Inspectors of Merchandise – on vessels or docks or at railway stations or warehouses (4785) 99969 Welding or Cutting (7692) 99975 Window Cleaning (7349) 99986 Wrecking – buildings or structures – NOC (1795) 99987 Wrecking – dismantling of prefabricated dwellings not exceeding 3 stories – for reerection (1795) 99988 Wrecking – marine (4499), List of General Liability Class Codes Online, PAAS General Liability Classification Guide. Get useful tips and information about how much commercial insurance costs, small business risks and exposures, how insurance regulations effect your businesses' and detailed descriptions of coverages and exclusions and more. NAICS: the North American Industrial Classification System code, as publised by the United States Department of Commerce. This search engine was built for class codes in numerical format. However, these lists (Such as the list below) only provide a general index listing. This class code lookup guide is to be used as an aid in determining the proper classification for a given operation. For best results, enter the “code” that you are searching, in numerical format. 59189 - Slate Splitting or Slate Roofing Mfg. The GL code 95410 is described as Grading of Land. Many states have various classification codes and definitions. Search Clear All. The editor has chosen the ISO verbal description, rather than the NCCI verbal description. 53333 - Floor Covering Mfg.-Not Carpets, Rugs, Ceramic or Stone Tiles, 53376 - Food Products Mfg.-Not Dry-In Glass Containers, 53377 - Food Products Mfg.-Not Dry-In Other Than Glass Containers, 53565 - Fruit or Vegetable Juice Mfg.-No Bottling of Carbonated Beverages, 53731 - Furniture Mfg. General liability class codes enable insurance companies to group insureds based on the type of work being performed and to collect statistical data affecting how they will underwrite that line of business. 52435 - Electrical Generating Machinery Mfg. ... Once only painting is being conducted at a location, a new classification would be introduced, most likely 98305 Painting - interior - buildings or structures. Liability Insurance: Any company can be sued. Are you looking for Work Comp , GL, NAICS or SIC classifications? 51869 - China, Porcelain, or Earthenware Mfg. 52744 - Escalator or Moving Sidewalk Mfg. The ISO classification system starts with a 5-digit code that describes the industry of the insured—Manufacturing or Processing (Codes 50000 to 59999), Contracting or Servicing (90000 to 99999), Mercantile (10000 to 19999), Building or Premises—office or space leased to others (60000 to 69999), and Miscellaneous (40000 to 49999).Stated differently, the 5-digit code included on all ISO classifications first tells the insured how the insurer views them in a general manner—that is, whether th… Each business type faces its own set of risks. It also ca pay for the medical bills of injured third parties. General Liability Class Codes for Commercial Insurance Classification. The General Liability Classification Guide is available through PAAS on http://www.verisk.com/iso.html. General liability class codes are groups of numbers that insurance companies use to classify businesses into categories of risk, to aid them in assigning the appropriate rate, coverages, and exclusions for GL insurance. General liability class codes for commercial insurance allow insurance companies to group similar type of businesses based on the work being performed. The GL code 96816 is described as Janitorial Services. Workers compensation pays for the medical care of employees and can replace a portion of lost wages - regardless of who was at fault for the injuries. 56758 - Meat, Fish, Poultry or Seafood-Curing, 56759 - Meat, Fish, Poultry or Seafood Processing-In Airtight Containers, 56760 - Meat, Fish, Poultry or Seafood Processing-Not in Airtight Containers, 56805 - Medical, Dental, Hospital or Surgical Equipment or Supplies Mfg.-Expendable, 56806 - Medical, Dental, Hospital or Surgical Equipment or Supplies Mfg.-Nonexpendable. While insurance companies use GL codes to approve and rate businesses, they are also used to deny certain coverages as well. General liability class codes for commercial insurance. The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice. Search by Keyword or Class Code Contains Starts with Footnote ID. A class action lawsuit is filed against your insurance agency, alleging that advertisements constituted misleading information. With coverage, the insurance company is liable for certain legal expenses, medical expenses, compensatory and punitive damage: If you are looking for a GL class code list online, you can find them many places online–such as the official insurance agency associations for most states. What General Liability Insurance Class Codes are All About: General Liability is the broadest category of insurance, protecting a business from a variety of claims. Alternatively, they might develop their own in-house classification system. This information is drawn from NCCI manuals, classification files, Underwriting Committee decision papers, and expert NCCI underwriting interpretations. or Assembling, 59926 - Water Bottling-Spring or Well-Not Sparkling or Carbonated, 59927 - Water Bottling-Spring or Well-Sparkling or Carbonated, 59932 - Wax, Wax Products, or Polish Mfg.-Floor. ISO's Premium Audit Advisory Service (PAAS ® ) — your leading resource for premium audit and classification information — offers this complete manual on classifying GL … Phraseology. What Does Commercial Auto Physical Damage Insurance Cover? For underwriting purposes, you will need a detailed, accurate, and authoritative guide – the PAAS General Liability Classification Guide. Below are a few examples of situations in which your business could be protected if you have general liability insurance coverage. Understanding Primary And Non-Contributory Liability Insurance. These claims can include personal injury, property damage, and other types of bodily harm resulting from a business operation. The Standard Industrial Classification, or “SIC” system, is used for classifying industries by a four-digit numeric code. Contractors’ Equipment – cranes, derricks, power shovels and equipment incidental thereto – rented to others with operators, Contractors’ Equipment – cranes, derricks, power shovels and equipment incidental thereto – rented to others without operators, Contractors’ Equipment Dealers – ladders, excluding hoists, scaffolds or towers, Contractors’ Equipment Dealers – ladders, hoists, scaffolds or towers, Contractors’ Equipment – earth moving equipment other than cranes, derricks and power shovels – rented to others with operators, Contractors’ Equipment – earth moving equipment other than cranes, derricks and power shovels – rented to others without operators, Contractors’ Equipment – excluding automobiles – rented to others with operators – NOC, Contractors’ Equipment – excluding automobiles – rented to others without operators – NOC, Contractors’ Equipment – hod or material platform hoists and equipment incidental thereto – rented to others with operators, Contractors’ Equipment – hod or material platform hoists and equipment incidental thereto – rented to others without operators, Contractors’ Equipment – ladders, scaffolds, scaffolding, sidewalks, bridges, towers and equipment incidental thereto – rented to others, Contractors’ Equipment – scaffolds, sidewalks, bridges, hod or material hoist towers – rented to others – installation, repair or removal operations only, Contractors’ Equipment – steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental thereto – rented to others with operators, Contractors’ Equipment – steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental thereto – rented to others without operators, Copying and Duplicating Services – retail, Cosmetic, Hair or Skin Preparation Stores, Drugstores – no table or counter service for beverage or food, Equipment, Fixtures or Supplies – for bars, hotels, offices, restaurants or stores – distributors, Fire Protection Equipment Dealers and Distributors, Formal Wear or Costumes – rented to others, Fuel Dealers or Distributors – coal or wood, Gasoline Stations – self and full service combined, Heating or Combined Heating and Air Conditioning Equipment – dealers or distributors only, Janitorial Supplies – dealers or distributors, Laundries and Dry Cleaners – self-service, Laundry and Dry Cleaning or Dyeing Receiving Stations, Livestock Dealers or Commission Merchants, Machinery or Equipment Dealers – construction or industrial – mobile type, Machinery or Equipment Dealers – farm type, Machinery or Equipment Dealers – yard or garden type, Markets – not open air (lessor’s risk only), Oil or Gas Wells Supplies or Equipment Dealers – secondhand, Meat, Fish, Poultry or Seafood – distributors, Medical, Hospital and Surgical Equipment and Supplies – rented to others, Medical, Hospital and Surgical Supply Stores, Metal Dealers or Distributors – nonstructural, Metal Dealers or Distributors – structural, Paper, Rag or Rubber Stock Dealers and Distributors – secondhand, Plastic or Rubber Supply Goods Distributors, Plumbing and Fixtures Supplies – dealers and distributors, Printers or Electrotypers Supplies – distributors, Racquet Sports and Handball Facilities – commercially operated, Refrigeration Equipment – dealers and distributors only – commercial, Rental Stores – machinery or equipment – rented to others on a long-term basis, Restaurants – operated by concessionaires, Secondhand or Salvage Dealers and Distributors, Seed Merchants – excluding misdelivery and germination failure, Seed Merchants – excluding germination failure, Restaurants - with no sale of alcoholic beverages - with table service, Restaurants - with no sale of alcoholic beverages - withour table service with seating, Restaurants - with no sale of alcoholic beverages - without seating, Restaurants -with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants - with table service, Restaurants -with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants - without table service with seating, Restaurants -with sale of alcoholic beverages that are 30% or more of but less than 75% of the total annual receipts of the restaurants - with dance floor, Restaurants -with sale of alcoholic beverages that are 30% or more of but less than 75% of the total annual receipts of the restaurants - without dance floor, Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- with dance floor: table service, Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- with dance floor: no table service, Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- without dance floor: table service, Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- without dance floor: no table service, Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - bar service only (no tables):- with dance floor, Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - bar service only (no tables):- without dance floor, Sporting Goods or Athletic Equipment Distributors, Sporting Goods or Athletic Equipment Stores, Tailoring or Dressmaking Establishments – custom, Washing Machines, Dryers or Ironers – coin meter types, Water Softening Equipment – rented to others, Airport Control Towers – not operated exclusively by the Civil Aeronautics Authority, Airport – lessees of portions of airports engaged in the sale of aircraft or accessories, servicing or repairing of aircraft, or pilot instructions, Ambulance Service, First Aid or Rescue Squads, Amusement Devices – operated in connection with carnivals or fairs, Athletic or Sports Contests – in buildings – lessees, Athletic Teams – professional or semiprofessional, Beaches – bathing – not commercially operated, Bingo Games – in public halls or theaters – commercially operated, Boats – canoes or rowboats – not for rent – not equipped with motors, Clubs – horseback riding – no commercial riding instructions, Clubs – civic, service or social – having buildings or premises owned or leased, Clubs – civic, service or social – no buildings or premises owned or leased except for office purposes, Dam, Levee or Dike – existence hazard only, Entertainment Performed on Others’ Premises, Exhibitions – outside – in stadiums or on premises having grandstands or bleachers not erected by or for the insured – ushers or other attendants in stands not provided by the insured, Exhibitions – outside – in stadiums or on premises having grandstands or bleachers – ushers or other attendants in stands provided by the insured, Exhibitions – outside – no stadiums or grandstands, Fireworks Exhibitions (contractor’s risk only), Fireworks Exhibitions (sponsor’s risk only), Fishing Ponds or Lakes – commercially operated, Fruit or Vegetable – harvesting contractors, Garbage Works – separation for recycling, reduction or incineration, Gambling – incidental to other operations, Gasoline or Oil Supply Stations – retail (lessor’s risk only), Gasoline Recovery – from casing head or natural gas, Golf Courses – municipal or public – not golf or country clubs, Governmental Subdivision – not state or federal municipalities – population under 2,500, Governmental Subdivision – not state or federal municipalities – population 2,501-10,000, Governmental Subdivision – not state or federal municipalities – population 10,001-25,000, Governmental Subdivision – not state or federal municipalities – population 25,001-50,000, Governmental Subdivision – not state or federal municipalities – population 50,001-100,000, Governmental Subdivision – not state or federal municipalities – population 100,001-250,000, Governmental Subdivision – not state or federal municipalities – population over 250,000, Governmental Subdivision – not state or federal counties or parishes – population under 10,000, Governmental Subdivision – not state or federal counties or parishes – population 10,001 – 25,000, Governmental Subdivision – not state or federal counties or parishes – population 25,001 – 50,000, Governmental Subdivision – not state or federal counties or parishes – population 50,001 – 100,000, Governmental Subdivision – not state or federal counties or parishes – population 100,001 – 250,000, Governmental Subdivision – not state or federal counties or parishes – population over 250,000, Health or Exercise Facilities – commercially operated, Health Care Facilities – alcohol and drug, Health Care Facilities – convalescent or nursing homes – not mental-psychopathic institutions, Health Care Facilities – homes for the aged, Health Care Facilities – homes for the physically handicapped or orphaned, Health Care Facilities – mental – psychopathic institutions, Health Care Facilities – clinics, dispensaries or infirmaries treating out-patients only – no regular bed and board facilities, Hotels and Motels – with pools or beaches – less than 4 stories, Hotels and Motels – with pools or beaches – 4 stories or more, Hotels and Motels – without pools or beaches – less than 4 stories, Hotels and Motels – without pools or beaches – 4 stories or more, Lakes or Reservoirs – existence hazard only, Land – occupied by persons other than the insured for business purposes (lessor’s risk only), Oil or Gas Wells – non-operating working interest, Parking – public – shopping centers – maintained by lessee (lessor’s risk only), Parking – public – maintained by the insured (lessor’s risk only), Political Campaign Headquarters or Offices, Professional and Trade Associations – no building or premises owned or leased except as offices, Race Tracks – motorized vehicles – operators, Race Tracks – motorized vehicles (lessor’s risk only), Race Tracks – motorized vehicles (sponsor’s risk only), Schools – faculty liability for corporal punishment of pupils, Schools – public – elementary, kindergarten or junior high, Schools – private – elementary, kindergarten or junior high, Social Gatherings and Meetings – on premises not owned or operated by insured, Social Services – consulting services only – operated by the private sector, Sports or Outdoor Activities – commercially operated, Streets, Roads, Highways or Bridges – existence and maintenance hazard only, Tents or Canopies – loaned or rented to others, Vending Machine Operations – confection, food, beverage or ice, Vending Machine Operations – tobacco products, Warehouse – cold individual storage lockers, Wharf and Waterfront Property – ferry docks or terminals, Wharf and Waterfront Property – occupied by the insured for both freight and passenger purposes, Wharf and Waterfront – property not occupied by the insured (lessor’s risk only), Wharf and Waterfront – property occupied by the insured for freight purposes, Abrasives or Abrasive Products Manufacturing – artificial, Abrasives or Abrasive Products Manufacturing – NOC, Aerosol Containers – filling or charging for others, Appliances and Accessories Manufacturing – commercial – gas, Appliances and Accessories Manufacturing – commercial – not gas, Appliances and Accessories Manufacturing – household – gas, Appliances and Accessories Manufacturing – household – not gas, Automobile, Bus and Truck Body Manufacturing, Automobile, Bus or Truck Parts Manufacturing – brakes or brake linings, Automobile, Bus or Truck Parts Manufacturing – not operating parts, Automobile, Bus or Truck Parts Manufacturing – operating parts, Automobile, Bus or Truck Parts Manufacturing – passenger restraining devices, Baby Food Manufacturing – in glass containers, Battery Manufacturing – wet cell or storage, Beer, Ale or Malt Liquor Manufacturing – in bottles, Beer, Ale or Malt Liquor Manufacturing – in cans, Beer, Ale or Malt Liquor Manufacturing – not bottled or canned, Beverage Bottler – soft drinks – carbonated – in cans or plastic bottles, Beverage Bottler – soft drinks – carbonated – in glass bottles, Beverage Bottler – soft drinks – in metal cylinders, Beverage Bottler – soft drinks – in paper containers, Beverage Bottler – soft drinks – not carbonated – in bottles or cans, Boat or Ship Building – inboard and inboard/outboard, Bolt, Nut, Rivet, Screw or Washer Manufacturing, Bottle and Jar Manufacturing – glass – not for use under pressure, Bottle and Jar Manufacturing – glass – for use under pressure – nonreturnable, Bottle and Jar Manufacturing – glass – for use under pressure – returnable, Bottle and Jar Manufacturing – plastic – nonreturnable, Bottle and Jar Manufacturing – plastic – returnable, Boxes or Containers Manufacturing – corrugated or fiber board, Bus Manufacturing or Assembling or Reconstructing, Camper Bodies or Camper Trailers Manufacturing, Candy or Confectionery Products Manufacturing, Carbon Paper or Inked Ribbon Manufacturing, Caulking Compounds, Putty or Similar Products Manufacturing, Cellophane and Cellophane Products Manufacturing, Cement, Concrete Mix or Plaster Manufacturing – packaged, Chemicals Manufacturing – commercial or industrial – NOC, Chemicals Manufacturing – commercial or industrial – toxic and either flammable, explosive or reactive – NOC, Chemicals Manufacturing – commercial or industrial – primarily flammable, explosive of reactive – NOC, Chemicals Manufacturing – commercial or industrial – primarily toxic or presenting a health hazard – NOC, Chemicals Manufacturing – household – toxic and either flammable, explosive or reactive – NOC, Chemicals Manufacturing – household – NOC, Chemicals Manufacturing – household – primarily flammable, explosive or reactive – NOC, Chemicals Manufacturing – household – primarily toxic or presenting a health hazard – NOC, China, Porcelain or Earthenware Manufacturing, Communication or Recording Systems or Equipment Manufacturing – industrial or commercial, Communication or Recording Systems or Equipment Manufacturing – NOC, Composition Goods Manufacturing – not floor coverings, Computer Software Manufacturing – pre-packaged, Concrete or Plaster Products Manufacturing – not structural, Concrete Products Manufacturing – prestressed, Concrete Products Manufacturing – structural – NOC, Cotton Batting, Wadding or Waste Manufacturing, Cutlery (not powered) and Flatware Manufacturing, Drug, Medicine or Pharmaceutical Preparations Manufacturing – for animal use, Drug, Medicine or Pharmaceutical Preparations Manufacturing – NOC, Drums or Containers Manufacturing – metal, Drums or Containers Manufacturing – plastic, Electrical Equipment Manufacturing – NOC – for direct and indirect application to the body, Electrical Generating Machinery Manufacturing, Electrical Parts, Components or Accessories Manufacturing – NOC, Electrical Power Distribution or Transmission Equipment Manufacturing – NOC, Engine or Turbine Manufacturing – not aircraft – NOC, Escalator or Moving Sidewalk Manufacturing, Exercise or Playground Equipment Manufacturing, Floor Covering Manufacturing – not carpets, rugs, ceramic or stone tiles, Food Products Manufacturing – not dry – in glass containers, Food Products Manufacturing – not dry – in other than glass containers, Fruit or Vegetable Juice Manufacturing – no bottling of carbonated beverages, Furniture Manufacturing or Assembling – infants, Furniture Manufacturing or Assembling – other than wood, Furniture Manufacturing or Assembling – wood, Furniture or Woodwork Stripping, Refinishing or Repairing – shop only, Gas Manufacturing – toxic and either flammable, explosive or reactive, Gas Manufacturing – primarily flammable, explosive or reactive, Gas Manufacturing – primarily toxic or presenting a health hazard, Heating Equipment Manufacturing – coal or wood, Heating Equipment Manufacturing – electric, Heating Equipment Manufacturing – fuel oil or kerosene, Heating Equipment Manufacturing – gas, or liquefied petroleum gas, Hone, Oilstone or Whetstone Manufacturing, Importers (Classify based on merchandise), Instrument Manufacturing – analytical, calibrating, measuring, testing or recording, Insulating Material Manufacturing – mineral, Insulating Material Manufacturing – organic, Insulating Material Manufacturing – plastic – for application in solid state, Insulating Material Manufacturing – plastic – NOC, Machinery or Machinery Parts Manufacturing – construction, mining or materials handling type, Machinery or Machinery Parts Manufacturing – farm type, Machinery or Machinery Parts Manufacturing – industrial type, Machinery or Machinery Parts Manufacturing – metalworking, Machinery or Machinery Parts Manufacturing – NOC, Meat, Fish, Poultry or Seafood Processing – in airtight containers, Meat, Fish, Poultry or Seafood Processing – not in airtight containers, Medical, Dental, Hospital or Surgical Equipment or Supplies Manufacturing – expendable, Medical, Dental, Hospital or Surgical Equipment or Supplies Manufacturing – nonexpendable, Medical, Dental, Hospital or Surgical Instruments Manufacturing, Medical, Dental or Surgical Diagnostic Treatment Machines or Devices Manufacturing, Metal Goods Manufacturing – stamping – not signs, Metal Works – shop – structural – load bearing, Metal Works – shop – structural – not load bearing, Metals – extraction or refining – chemical processes, Metals – extraction or refining – electrometallurgical processes, Metals – extraction or refining of ferrous metals – blast furnace or other pyrometallurgical processes, Metals – extraction or refining of nonferrous metals – blast furnace or other pyrometallurgical processes, Motorcycle, Moped or Motor Scooter Manufacturing, Orthopedic, Ambulation or Prosthetic Devices Manufacturing, Paint, Varnish, Shellac or Lacquer Manufacturing, Pencil, Pen, Crayon or Chalk Manufacturing, Plastic or Rubber Goods Manufacturing – NOC – household, Plastic or Rubber Goods Manufacturing – NOC – other than household, Plywood, Veneer or Veneer Products Manufacturing – NOC, Plywood, Veneer or Veneer Products Manufacturing – without log processing, Railroad or Other Public Conveyance Cars Manufacturing, Railroad or Other Public Conveyance Cars Parts Manufacturing, Musical Products Manufacturing – prerecorded, Saddles, Harnesses or Horses Furnishings Manufacturing, Salt, Borax, Potash or Phosphate – producing or refining – NOC, Sewing Machine Manufacturing – commercial, Slate Splitting or Slate Roofing Manufacturing, Sporting Goods or Athletic Equipment Manufacturing, Swimming Pools or Accessories Manufacturing, Syrups or Molasses – refining, blending or manufacturing, Tank Building or Manufacturing – metal – not pressurized, Tank Building or Manufacturing – metal – pressurized, Telecommunication Equipment Manufacturing, Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening – new goods, Textile Manufacturing – impregnated or coated, Textile Products Manufacturing – fabricated, Textile Spinning, Weaving or Knitting Mills, Tire Manufacturing – not auto, bus or truck, Tobacco Products Manufacturing – cigars or cigarettes, Tobacco Products Manufacturing – plug or snuff, Tool Manufacturing – hand type – not powered, Tool Manufacturing – power equipment – household type – outdoor or workshop, Vegetable Oil Manufacturing – by solvent extraction, Metal Works – shop – decorative or artistic, Venetian Blinds Manufacturing or Assembling, Water Bottling – spring or well – not sparkling or carbonated, Water Bottling – spring or well – sparkling or carbonated, Wax, Wax Products or Polish Manufacturing – floor, Wicker, Rattan, Willow or Twisted Fiber Products Manufacturing, Wool Combing, Scouring or Separating from Cotton, Apartment Buildings or Hotels – time-sharing – less than 4 stories, Apartment Buildings or Hotels – time-sharing – 4 stories or more, Buildings or Premises – bank or office – mercantile or manufacturing (lessor’s risk only), Buildings or Premises – bank or office – mercantile or manufacturing – maintained by the insured (lessor’s risk only), Buildings or Premises – bank or office – premises primarily occupied by employees of the insured, Buildings or Premises – bank or office – NOC, 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), Dwellings – one-family (lessor’s risk only), Dwellings – two-family (lessor’s risk only), Dwellings – three-family (lessor’s risk only), Dwellings – four-family (lessor’s risk only), Exhibitions – in buildings – no admission charged, Hotels and Motels – less than 4 stories (lessor’s risk only), Hotels and Motels – 4 stories or more (lessor’s risk only), Shelters, Mission Settlement or Halfway Houses – not church or office buildings, Schools – colleges, universities, junior colleges or college preparatory, Shopping Centers – indoor malls — buildings, or premises not occupied by the insured (lessor’s risk only), Shopping Centers – buildings, or premises not occupied by the insured (lessor’s risk only), Townhouses or Similar Associations (association risk only), Warehouses – manufacturing or private buildings or premises – occupied by multiple interests (lessor’s risk only), Warehouses – manufacturing or private buildings or premises – occupied by single interest (lessor’s risk only), Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair, Airport Runway or Warming Apron – paving or repaving, surfacing, resurfacing or scraping, Alarms and Alarm Systems – installation, servicing or repair, Appliances and Accessories – installation, servicing or repair – commercial, Appliances and Accessories – installation, servicing or repair – household, Auctioneers – livestock – sales conducted away from the insureds premises, Auctioneers – sales conducted away from the insureds premises, Auctions – on premises owned or rented by the insured, Boiler Inspection, Installation, Cleaning or Repair, Bridge or Elevated Highway Construction – iron or steel, Bridge or Elevated Highway Construction – concrete, Cable Installation in Conduits or Subways, Cable or Subscription Television Companies, Caisson or Cofferdam Work – foundations for buildings, Caisson or Cofferdam Work – not foundations for buildings, Carpentry – construction of residential property not exceeding three stories in height, Carpet, Rug, Furniture or Upholstery Cleaning – on customer’s premises, Communication Equipment Installation – industrial or commercial, Concrete or Cement Distributing Towers – rented to others – installation, repair or removal operations only, Contractors – executive supervisors or executive superintendents, Contractors – subcontracted work – in connection with construction, reconstruction, erection or repair not buildings – NOC, Contractors – subcontracted work – in connection with building construction, reconstruction, repair or erection – apartment or office buildings over 4 stories, Contractors – subcontracted work – in connection with building construction, reconstruction, repair or erection – one or two family dwellings, Contractors – subcontracted work – in connection with construction, reconstruction, repair or erection of buildings – for industrial use, Contractors – subcontracted work – in connection with construction, reconstruction, repair or erection of buildings – NOC, Contractors – subcontracted work – in connection with oil and gas field construction, reconstruction or repair, Contractors – subcontracted work – in connection with pipeline (other than oil or gas), or communication or power line construction, reconstruction or repair. 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