Standard Insurance Requirements. Auto Liability (Corporate Coverage)** UMBRELLA

(1)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Accounting Services 1 1 0 X 61224 Advertising Services 1 1 0 X Professional Liability= $1,000,000 61224

Air Conditioning Systems or Equipment - dealers or

distributors and installation, servicing or repair 2 1 0 91111

Airport Runway or Warming Apron - paving or repaving,

surfacing, resurfacing or scraping 2 2 3 91125

Alarms and Alarm Systems - installation, servicing or repair

2 2 2 X* 91127

Appliances and Accessories installation, servicing or repair

-commercial ₂ ₂ ₀ _X* ₉₁₁₅₀

Architects or Engineers - consulting - not engaged in actual construction

2 1 0 X*

Professional Liability =

$1,000,000 92663

Professional Service Exclusion See Risk regarding small architectural projects

Armored Car Service Companies 2 2 0 91160

Asbestos - testing

1 1 0 X*

$500,000 97002

Professional Exclusion (this is for natural elements)

Asbestos - abatement/removal

2 2 5 95630

applies only to risks engaged in removal, replacement, repair, enclosure or encapsulation of any material from a building or structure because the material is harmful to human health.

Athletic Programs 2 0 0 X 40066

Attorney Office 1 1 0 X 65121

Auctioneers - sales conducted away from the insured’s

premises 1 1 0 X 91177

Automobile Repair or Service Shops

1 1 0

Garage Keepers Liability 10073

Blasting Operations 2 2 3 91210

Boiler Inspection, Installation, Cleaning or Repair 2 1 0 91250

Bridge or Elevated Highway Construction - concrete

2 2 4 91266

Bridge or Elevated Highway Construction - iron or steel

2 2 4 91265

Building Structure - raising or moving 2 2 4 91280 commercial properties

(2)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES

Cable Installation in Conduits or Subways 2 1 0 91302

Caisson or Cofferdam Work - foundations for buildings 2 2 0 91324

Caisson or Cofferdam Work - not foundations for buildings 2 2 0 91325

Carpentry - construction of residential property not exceeding

three stories in height 2 1 0 91340

Carpentry 2 1 0 91342 NOC

Carpentry - interior

1 1 0 X* 91341

This classification includes:the installation of doors, floors, windows, cabinets and hardwood or parquet flooring

Carpentry - shop only 1 1 0 X* 91343

Carpet, Rug, Furniture or Upholstery Cleaning 1 1 0 X 91405

Caterers 1 1 0 X* 11039

Ceiling or Wall Installation - metal

2 1 0 91436

Ceiling or wall installation other than metal shall be separately classified and rated as "Dry Wall or Wallboard Installation" or "Carpentry".

Chimney Cleaning 2 1 0 91481

Cleaning - outside surfaces of buildings

1 1 0 X* 91523

applies to risks primarily engaged in cleaning the outside surfaces of buildings, including power washing with water or laser-beam techniques.

Communication Equipment Installation - industrial or commercial

2 1 0 91551

Computer Consulting or Programming

1 1 0 X

$1,000,000 41675

applies to risks providing computer consulting services including custom designed computer programs, instruction or data retrieval services. Professional services are excluded

Computer Service or Repair

1 1 0 X 91555

installation, service or repair of computers or computer-related equipment not sold

Collection Agencies 1 1 0 X 61224

Concessionaires (no liquor)

1 1 0 X 11168

applies to concessionaires selling beverages or food by means of hawking or peddling at exhibitions, parks, shows, sports contests or theaters

Concessionaires (liquor)

2 1 0 X

Liquor Liability =

$1,000,000 11168

applies to concessionaires selling beverages or food by means of hawking or peddling at exhibitions, parks, shows, sports contests or theaters

(3)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Concrete Construction

2 2 2 91560

includes foundations, making, setting up or taking down forms, scaffolds, false work or concrete distributing apparatus.

Conduit Construction for Cables or Wires 2 1 0 91577

Consultants Also see Computers, Ergonomics, Feasibility, Financial, Marketing, Planning, Wellness and Zoning

1 1 0 X 41677

NOC Professional may be required

Contractors

2 2 3 94444

classification applies only where there is no other appropriate classification assignable

Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others with operators

2 2 3 11201

Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others without

operators 2 2 3 11202

Contractors Equipment - earth moving equipment other than cranes, derricks and power shovels - rented to others with

Contractors Equipment - earth moving equipment other than cranes, derricks and power shovels - rented to others without

Contractors Equipment - excluding automobiles - rented to

others with operators 2 2 3 11207 NOC

Contractors Equipment - excluding automobiles - rented to

others without operators 2 2 3 11208 NOC

Contractors Equipment - hod or material platform hoists and equipment incidental thereto - rented to others with operators

2 2 3 11209

Contractors Equipment - hod or material platform hoists and equipment incidental thereto - rented to others without

Contractors Equipment - ladders, scaffolds, scaffolding, sidewalk bridges, towers and equipment incidental thereto -

rented to others 2 1 2 11211

Contractors Equipment - scaffolds, sidewalk bridges, hod or material hoists towers - rented to others - installation, repair

or removal operations only 2 1 2 11212

Contractors Equipment - steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental

(4)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Contractors Equipment - steam boilers, compressors, air

pressure tanks, pneumatic tools and equipment incidental

thereto - rented to others without operators 2 1 2 11214

Copying and Duplicating Services 1 1 0 X 11222

Credit Reporting Agencies 1 1 0 X 61224

Crop Spraying - by contractors 2 1 2 91606

Debris Removal - construction site

2 2 0 91629

applies to those risks solely engaged in the removal of debris in connection with construction or erection.

Detective or Investigating Agencies 2 1 0 X 91636 Personal and Advertising Excluded

Diagnostic Testing Laboratories

1 1 0 X

$500,000 46112

Professional Service Exclusion

Dike, Levee or Revetment Construction

2 2 3 91641

Door, Window or Assembled Millwork - installation - metal

1 1 0 91746 Draftsmen 1 1 0 X Professional Liability = $500,000 91805

Drilling - water 2 2 0 92102

Drilling - other than water 2 2 2 92101 NOC

Driveway, Parking Area or Sidewalk - paving or repaving 1 1 0 92215

Dry Wall or Wallboard Installation 1 1 0 92338

Electric Light or Power Line Construction

2 2 3 92446

NOC

Electrical Apparatus - installation, servicing or repair 2 1 3 X* 92451

Electrical Contractors

Refer to "Electrical Apparatus - installation, servicing or repair" or "Electrical Work - within building".

Electrical Work - within buildings

2 1 0 X* 92478

applies to risks engaged in wiring in buildings and includes installation or repair of electrical fixtures and appliances and incidental outside work.

Elevator or Escalator Inspecting, Installation, Servicing or

Repair 2 1 3 92593

(5)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Engineers or Architects - consulting - not engaged in actual

construction

2 1 0 X*

$1,000,000 92663

applies to risks in the business of providing architectural or engineering consulting services but not engaged in actual construction. Professional Exclusion.

Engraving 1 1 0 X 52660

Entertainment Performed on Others' Premises 1 1 0 X 43215

Ergonomics Consulting 1 1 0 X 61224

Escrow Agencies 1 1 0 X 61224

Excavation 2 2 3 94007

Farm Machinery Operations - by contractors 2 1 0 94225

Feasibility Studies/Consultants 1 1 0 X 61244

Fence Erection Contractors 2 1 0 94276

Financial Planning Consultant 1 1 0 X 61224

Fire Extinguishers - servicing, refilling or testing 2 1 0 X 94304

Fire Suppression Systems - installation, servicing or repair

2 2 2 X 94381

includes incidental sales and the installation, servicing or repair of alarms which are part of the system

Fireproofing - structures 2 1 2 94404

Fireworks Exhibitions - sponsor's risk only - Not-For-Profit

only 2 1 4 43629

Floor Covering Installation - not ceramic tile or stone 1 1 0 X* 94569

Floor Waxing

1 1 0 X* 94590

does not apply where the insured performs janitorial services at the same location.

Fumigating

2 1 2 43860

Furniture or Fixtures - installation in offices or stores -

portable - metal or wood 1 1 0 X* 95124

Garbage, Ash or Refuse Collecting 2 2 3 95233

Gas Mains or Connections Construction

2 2 4 95310

Geophysical Exploration - All methods 2 1 0 X* 95357 NOC

Glass Dealers and Glaziers 1 1 0 X* 13590

Grading of Land 2 1 0 95410

Grandstands or Bleachers 2 1 0 X 44193

Greenhouse Erection 2 2 0 95487

Guniting or Shot-crete 2 1 0 95505

(6)

Hazardous Material Contractors

2 2 5 95630

applies only to risks engaged in removal, replacement, repair, enclosure or encapsulation of any material from a building or structure because the material is harmful to human health.

Heating or Combined Heating and Air Conditioning Systems

or Equipment installation, servicing or repair 2 1 0 95648 NOC

Inspection and Appraisal Companies - inspecting for

insurance or valuation purposes 1 1 0 X 96317

Instructors, non-medical

1 1 0 X* 41677

auto needed, IF auto is used in the course of the work, NOT just to drive to the location

Instructors, medical 1 1 0 X*

$1,000,000 41677

Professional Exclusion Auto needed, IF auto is used in the course of the work, NOT just to drive to the location

Insulation Work - organic or plastic in solid state 2 1 0 96409

Insulation Work - plastic 2 1 0 96408

Interior Decorators 1 1 0 X 96611

Internet Service Providers 1 1 0 X 47610

Irrigation or Drainage System Construction

2 2 3 96702

Janitorial Services 2 1 0 X* 96816

Jetty or Breakwater Construction ₂ ₂ ₂ ₉₆₈₇₂ applies to all operations other than blasting

Laboratories - research, development or testing - Other than

Not-For-Profit ₁ ₁ ₀ _X*

$500,000 97002

Professional Exclusion this is for natural elements not medical

Landscape Gardening/ Weed and Veg Control 1 1 0 X 97047 $1mil pest/herb pollution liability

Laundry and Dry Cleaning 1 1 0 X 14733

Laundry Rental Service 1 1 0 X 14734

Lawn Care Services 1 1 0 X 97050

Leases w/Tenants on County Property ₂ ₀ ₀ ₉₉₉₉₉ Refer to Risk for Habitational Properties

Locksmiths 1 1 0 X 14913

Machine Shops 2 1 0 X* 97220 NOC

Machinery or Equipment - farm - installation, servicing, repair

or erection 2 1 0 97221

Machinery or Equipment - industrial - installation, servicing or

repair 2 1 3

97222 97223

(7)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Marine Appraisers or Surveyors

1 1 0 X

$500,000 97308

Marketing Consultant 1 1 0 X 61224

Masonry 2 1 2 97447

Metal Erection - decorative or artistic 1 1 0 97650

Metal Erection - frame structures iron work on outside of

buildings 2 1 3 97651

Metal Erection - nonstructural 2 1 2 97653 NOC

Metal Erection - steel lock gates, gasholders, standpipes, water towers, smokestacks, tanks, silos, prison cells, fire or

burglarproof vaults 2 1 2 97654

Metal Erection - structural 2 2 4 97655 NOC

Motion Picture Production All Inside or Out ₂ ₁ ₀ ₉₈₀₉₂ Hold Harmless Agreements may be _required

Office Machines or Appliances - installation, inspection,

adjustment or repair 1 1 0 X 98111

Office Machine or Appliance Stores 1 1 0 X * *Stores NOC

Oil or Gas SEE SAFETY AND RISK MANAGEMENT

Painting - exterior - buildings or structures - exceeding three

stories in height 2 1 2 98303

Painting - exterior - buildings or structures - three stories or

less in height 2 1 0 98304

Painting - interior - buildings or structures 1 1 0 X 98305

Painting - oil or gasoline tanks 2 1 0 98306

Painting - steel structures or bridges 2 1 0 98309

Paperhanging 1 1 0 X 98344

Parking - public - open air

1 1 0 X

Garage Keepers Legal Liability 46604 Parking - public - not open air

1 1 0 X

Garage Keepers Legal Liability 46603

Payroll Accounting Services 1 1 0 X 61224

Pest Control Services

2 1 0 43470

Photographers 1 1 0 X 16471

Pipeline Construction - gas or oil

(8)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Pipeline Construction - other

2 2 3 98424

NOC

Planning Consultants 1 1 0 X 61224

Plastering or Stucco Work 2 1 0 98449

Plumbing

2 1 0 98482 Includes lift station rehabilitation

Prefabricated Building Erection 2 2 3 98502

Printing - Other than Not-For-Profit 1 1 0 X 58408

Real Estate Property Managed 1 1 0 X 47052

Recreational Activities- County Sponsored 2 see notes 0 99999 refer to Risk, auto exposures varies

Refrigeration Systems or Equipment - dealers and distributors and installation, servicing or repair - commercial

2 1 0 98636

Renovating - outside surfaces of buildings 2 1 0 X* 98640

Restaurants - operated by concessionaires - Other than

Not-For-Profit (no liquor) 1 1 0 X 16819

Restaurants - operated by concessionaires - Other than

Not-For-Profit (liquor) 2 1 0 X

Liquor Liability =

$1,000,000 16819

Rigging - not ship or boat 2 2 2 98658

Roofing - commercial 2 1 3 98677

Roofing - residential 2 1 2 98678

Sales or Service Organizations

1 1 0 X* 47367

applies only to risks the majority of whose employees are chiefly engaged away from premises owned, rented or controlled

Salvage Operations

2 2 0 98698

includes incidental wrecking, shoring or other structural work, and the handling of machinery in damaged buildings

Salvage Operations - removing, sorting, reconditioning and

distributing of merchandise in damaged buildings 2 1 0 98699

Sand or Gravel Digging 2 2 3 98710

Sandblasting 2 1 2 98705

Scientific Services 1 1 0 X* # #see Labs

Security and Patrol Agencies/Card Access Secur, Security

Guards-Armed 2 2 0 X* 98751

Septic Tank Systems - cleaning 2 2 0 X* 98805

Septic Tank Systems - installation, servicing or repair 2 2 0 X* 98806

(9)

CLASS DESCRIPTION Liability Coverage)** UMBRELLA OK? Other CODE NOTES Sewer Mains or Connections Construction

2 2 3 98820

Shaft Sinking 2 2 3 98871

Sheet Metal Work - outside 2 1 0 98884

Sheet Metal Work - shop only 1 1 0 X* 58922

Siding Installation 2 1 0 98967

Sign Erection, Installation or Repair 1 1 0 98993

Sign Painting or Lettering - inside of buildings 1 1 0 X* 99003

Sign Painting or Lettering - on buildings or structures 1 1 0 99004

Solar Energy Contractors 2 1 0 99080

Speakers, Entertainers, Trainers 1 1 0 99999

Special Events on County Property/Buildings, low risk 1 see notes 0 refer to Risk, auto exposures varies

Special Events on County Property/Buildings, high risk 2 see notes 0 refer to Risk, auto exposures varies

Steam Mains or Connections Construction

2 2 3 99163

Steam Pipe or Boiler Installation 2 1 2 99165

Stevedoring 2 1 2 99222

Street Cleaning 1 2 0 99303

Street or Road Construction or Reconstruction

2 2 4 99315

Street or Road Paving or Repaving, Surfacing or Resurfacing

or Scraping 2 2 2 99321

Surveyors - land - not engaged in actual construction

1 1 0 X

$500,000 99471

Tank Construction, Installation, Erection or Repair - metal -

not pressurized 2 1 2 X* 99570 NOC

not pressurized - within buildings exclusively 2 1 2 X* 99572

pressurized 2 1 3 99571

pressurized - within buildings exclusively ₂ ₁ ₃ ₉₉₅₇₃

Telecommunication Equipment Providers 2 1 0 X* 18575

Telecommunication Service Providers 1 1 0 X* 99600

Telephone, Telegraph or Cable Television Line Construction

2 2 3 99613

Tent or Canvas Goods - erection, removal or repair 2 1 0 99709

(10)

Theaters - Other than Not-For-Profit 1 1 0 X 49184

Theatrical Companies - traveling 1 1 0 X 99718

Tile, Stone, Marble, Mosaic or Terrazzo Work - interior

construction 2 1 0 X* 99746

Towing Services - motor vehicles 1 2 0 X NO GL Classes, See Auto Section in CLM

Tree Pruning, Dusting, Spraying, Repairing, Trimming or

Fumigating 2 2 0 X* 99777

Tunneling 2 2 4 99798

Underpinning Buildings or Structures 2 2 4 99803

Utility Locator Service 2 1 0 99999

Vending Machine Operations 1 1 0 X 49619

Warehouses 1 1 0 99938

Water Mains or Connections Construction

2 2 3 99946

Water Softening Equipment - installation, servicing or repair

1 1 0 X* 99948

Waterproofing - All applications

2 1 0 99952 99953 99954 99955 NOC

Web Site Designers 1 1 0 X 96930

Welding or Cutting 2 1 0 X* 99969

Wellness Consultant 1 1 0 X 61224

Window Cleaning (ground level) 1 1 0 X* 99975

Window Cleaning (above ground level) 2 1 0 X* 99975

Window Decorating 1 1 0 X* 49840

Wrecking - buildings or structures 2 2 4 99986

Zoning Consultant 1 1 0 X 61224

** Autos used in business must be commercially insured. No permissive use from Personal Lines Policies