CLASSIFICATION TABLE NOTES

(1)

CLASSIFICATION TABLE NOTES

This classification section should be used as a tool for establishing which classes of business may be

submitted, written, have restrictions, require special endorsements or applications, have footnotes or are

strictly prohibited.

Each class has been separated into four coverage categories:

1. PROPERTY [PROP]

2. PREMISES/OPERATIONS [P/O]

3. PRODUCTS AND COMPLETED OPERATIONS [P/CO]

4. CRIME

After each coverage category for a given class you will see one of the following:

Class Code

*

This is an acceptable class and can usually be written within our binding authority.

Comment Section will reflect if this class can only be written on a non-admitted basis. You may

also need to review your State Exception pages. There may be other criteria which make the risk

only acceptable on a non-admitted basis.

( ) = Some class codes require prior quote approval from the insurer, and CenCal will need

additional time to secure the authorization. Those classes will be noted as Refer to Company.

NO =

The class or coverage category is a prohibited risk.

N/A =

Not Applicable.

(a)(b)

(c) etc. Application Coding: Information Required for a Professional Response Submission

Application Codes:

(a) ACORD App.

Questionnaires (d) Gen’l Contr

(d1) Artisan

(e) Roofing Cont’r

(b) Loss History

(g) Apartment

(h) Auto Repair

(i) Bar/Tavern

(c) Arson Supplement

(j) Bed N Brkfst

(k) Lessors’ Risk

(l) Mobile Hme Pr

(f) See Class Write–Up

(m) Motel

(n) Restaurant

(o) Retail/Office

(x) Mgmnt Resume

(p) Photo

(q) Plot Plan

(r) Rent Roll

(s) Financials

(t) Day Care

(u) Metal Wrkr

Please note the coded comments pages following each classification page.

We have indicated specific exclusions and rating rules applicable to each classification. The exclusions apply

in all cases unless the underwriter has formally waived the requirement prior to binding and apply in addition

to all other mandatory endorsements or exclusions.

We have attempted to list as many classes as possible. If you cannot locate a particular class, or if none of

the classifications adequately describe the insured's operations, please contact us for assistance. We are here

to help you grow your business by making you a knowledgeable hero to the customer.

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Intro CCIS

2 12/2003

MINIMUM

PREMIUMS

Property

Liability

$1,000

$350

$100,000 / $200,000

$500

$300,000

/

$600,000

$750

$500,000

/

$1,000,000

$1,250

$1,000,000

/

$2,000,000

ADDITIONAL INSUREDS

Can

ONLY

be

added

by the Underwriter after

consideration of the Insurable Interest

CERTIFICATES

Require formal prior approval of the Underwriter

BINDERS

PROHIBITED

EXPOSURE Bankruptcy

Receivership

Contractors in Residential, including Apartments and

Condominium

Earthquake

Difference

In

Conditions

Flood

First

Loss

Property

Coverage

Petroleum,

Chemical,

Pharmaceutical

Ops

Ocean

Marine

Aviation

Livestock

Crops

(3)

FIRE CRIME CRIME AND

CONTENTS, FIRE GENERAL LIABILITY Description Class Code Class Code Rate Group Class Limit Premium Base Premises Code Products Code Comments & Application Coding Advertising Sign Cos – Outdoor No 5418 1 5,000 p+ 90089

(1) (4)

Included (a) (b) Air Conditioning Equipment Mfg. (2) 3330 2 25,000 s 51116

(3)

51116 (a) (b) Air Conditioning Equipment Dealers or

Distribution Only

(5) --- --- --- s 10010

(6)

10010

(a) (b) Air Conditioning Systems or

Equipment – Dealers or Distribution – Installation

(7) --- --- --- p 91111

(8)

91111

(4)

CCIS-a-b.Doc CCIS 2 12/2003 (2) Heavy metal parts, use Code 6810.

Precision parts, use Code 6900. Other metal parts, use Code 6850. Plastic parts, use Code 5500.

(3) This classification includes duct work and piping. (51116)

The manufacturing of the following shall be separately classified and rated: • Heating systems

• Combined heating and air conditioning systems • Refrigerating systems

(4) Exclude advertising liability – Refer to Insurer if over 3 stories.

(5) Use Code 0563. This code applies to sales and/or storage with or without repair.

Installation, servicing or repair only.

The following shall be separately classified and rated: Sales of heating equipment

Sales of refrigeration equipment

Sales of combined heating and air conditioning units or systems Sales of household type appliances, including room air conditioners

(7) Use Code 0922. This code applies to repair only with no sales or storage. (8) This classification applies to risks engaged in sales and installation, servicing

or repair of air conditioning systems or equipment. This classification also applies to risks engaged only in installation, servicing or repair of air

conditioning systems or equipment. This classification includes:

The sales and installation of ducts and piping Shop and display rooms

The sales of household type appliances including room air conditioners shall be separately classified and rated. (91111)

Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2001

(5)

CONTENTS, FIRE GENERAL LIABILITY Description Class Code Class Code Rate Group Class Limit Premium Base Premises Code Products

Code Comments & Application Coding

Alarms and Alarm Systems Installation, Servicing and Repair

(1) 5616 2 15,000 p 91127 (2) 91127 (5) Non-Admitted Only (a) (b) (f) Amusement Centers 0844 7993 3 (4) 25,000 s+ 10015 (3) (6) and (7) Included (a) (b) Antique Stores No No --- --- s 10026 10026 (a) (b) (p)

(6)

CCIS-a-b.Doc CCIS 4 12/2003 (3) This classification applies to Arcades with coin operated games such a pinball

and video or other electronic games. This classification does not apply to risks located in amusement parks. (10015)

(4) C – Rate Group 5

SBF, SBR – Rate Group 3.

(5) See Guideline class write up Section 1. (6) Attach Assault And Battery Exclusion SL-4. (7) Attach Sexual Abuse Exclusion.

(7)

CONTENTS, FIRE GENERAL LIABILITY Description Class Code Class Code Rate Group Class Limit Premium Base Premises Code Products

Code Comments & Application Coding Apartments (1) (2) (3) 5310 3 (4) (5) 5,000 * * (9) (10) (11) (12) * (a) (b) (g) (p) (q) Apartment Buildings (1) (2) (3) 5310 3 (5) (8) 5,000 u+ 60010 (6) (9) (11) (12) Included (a) (b) (g) (p) (q) Apartment Building Garden (1) (2) (3) 5310 3 (5) (8) 5,000 u+ 60011 (7) (9) (10) (11) (12) Included (a) (b) (g) (p) (q) Apartment Buildings or Hotels – Time

Sharing

Less Than 4 Stories

(1) (2) 6500 3 (5) (8) 5,000 u+ 60012 (7) (9) (10) (11) (12) Included (a) (b) (g) (p) (q) Apartment Buildings or Hotels – Time

Sharing 4 Stories or More (1) (2) 6500 3 (5) (8) 5,000 u+ 60013 (7) (9) (10) (11) (12) Included (a) (b) (g) (p) (q) Apartment Hotels

Less Than 4 Stories

(1) (2) 6500 3 (5) (6) 5,000 u+ 60015 (4a) (9) (10) (11) (12) Included (a) (b) (g) (p) (q) Apartment Hotels 4 Stories or More (1) (2) 6500 3 (5) (6) 15,000 u+ 60016 (4a) (9) (10) (11) (12) Included (a) (b) (g) (p) (q)

(8)

CCIS-a-b.Doc CCIS 6 12/2003 (2) Apartments without Mercantile occupancies.

Up to 10 units, use Code 0311; 11 to 30 units, use Code 0312; Over 30 units, use Code 0313.

Apartments with Mercantile occupancies: Up to 10 units, use Code 0321;

11 to 30 units, use Code 0322; Over 30 units, use Code 0323.

Also refer to Boarding and Lodging, etc., and Convents, Monasteries, etc.

(3) The following applies:

• Apartment Buildings – 4 families or fewer, with no mercantile or office occupancy, use Code 65141

• Apartment Buildings – over 4 families with no mercantile or office occupancy, use Code 65132

• Apartment Buildings – 4 families or fewer, with mercantile or office occupancy, use Code 65142

• Apartment Buildings – over 4 families with mercantile or office occupancy, use Code 65133

• Garden apartments – No mercantile or office occupancy, use Code 65141 • Residential Condominiums, use Code 69145

• Garden apartments – Mercantile or office occupancy, use Code 65142 • Three or four family lessor’s risk only – No Mercantile or office

occupancy, use Code 65141

• Three or four family lessor’s risk only – Mercantile or office occupancy, use Code 65142

(4) Refer to Businessowners Apartment rates of CLM Division Nine – Multiple

Line – Businessowners Policy Subdivision.

Refer to State Rates CLM Division Five – Fire & Allied Lines for Fire and CPP.

• Indoor parking Swimming pools • Bathing beaches Restaurants

(5) E, H – Apartment, Excluding restaurant or drugstore operations, wines or liquors,

use Exclude Specified Property Endorsement CR 15 01, Rate Group 1, Class Limit $5,000.

This footnote does not apply to Contents, Fire.

(6) The following shall be separately classified and rated: (60010)

• Occupancy other than for residential purposes • One-to-four family dwellings

• Boarding or rooming houses • Indoor parking

• Swimming pools • Bathing beaches

(7) This classification applies to single or multiple dwelling units not exceeding 2

stories in height that have common management, control and community facilities. (60011)

The following shall be separately classified and rated: • Indoor parking

• Swimming pools • Bathing beaches

(8) Contents, Fire - NA.

(9) Attach Assault and Battery Exclusion (10) Attach Lead Liability Exclusion (11) Texas habitationals may not be written (12) Refer to Company if over 3 stories

(9)

(10)

CCIS-a-b.Doc CCIS 8 12/2003

Household – Not Gas _{(2) (3)} _{(a) (b)}

Appliances and Accessories Installation, Servicing or Repair – Commercial (4) 8112 3 (6) 15,000 p 91150 (5) 91150 (a) (b) Appliances and Accessories

Installation, Servicing or Repair – Household (4) 4216 (13) 3 (6) 5,000 p 91155 (5) 91155 (a) (b) Appliance Distributors – Household

Type (7) (9) 4216 3 (6) 25,000 s 10040 (8) 10040 (a) (b) Appliance Distributors - Household

Type – Radio, TV, or Compact Disc

0567 4216 3 (6) 15,000 * * (11) * (a) (b) Appliance Stores – Household Type (7) 4430 3

(6)

15,000 s 10042 (8)

10042

(a) (b)

(11)

(1) NA

(2) This classification includes the manufacturing of appliances and accessories

powered by liquid fuels. (51221) (51224)

Manufacturing of all heating equipment

Manufacturing of communication equipment, including radios, televisions and stereos

(4) Repair and/or service only, use Code 0922 and CPP PMA C or S.

Sales and/or storage with or without repair, use Code 0563.

(5) Television or radio receiving set installation or repair shall be separately

classified and rated. (91150) (91155)

(6) SBF, SBR Rate Group 2, (does not apply to Contents Fire)

(7) Radios and/or TV’s with or without repair, use Code 0567 and CPP PMA M.

Others with or without repair, use Code 0563 and CPP PMA M. Repair only, use Code 0922 and CPP PMA S.

(8) This classification includes radios, televisions, vacuum and sewing machines

including parts, as well as cooking ranges, washing machines and household type room air conditioners. (10040) (10042)

If Radio, Television, Phonographic Stores (including parts and supplies), use Code 57326, Rate Group 10, Rate Number 5.

If Sewing Machine Stores, use Code 57223, Rate Group 1, Rate Number 1. If Household Appliances and Home Furnishings, NOC, use Code 57224, Rate Group 4, Rate Number 1.

Watch, Clock or Jewelry Repair, use BP Class Code 71941, BP Rate No. 1, BP Rate Group 10.

(9) Including home furnishings, with or without repair, use 0563 and CPP PMA M Repair only, use Code 0922 and CPP PMA S.

(10) NA

(11) Please refer to “Appliances Distributors – household type”. (12) NA

(12)

CCIS-a-b.Doc CCIS 10 12/2003

(2) (1) (a) (b)

Archery Ranges – Other Than Indoor N/A 7130 3 (2)

15,000 s+ 10054 NOC(1)

Included Non-Admitted Only (a) (b)

Army and Navy Stores 0567 4480 3 25,000 s 10060 (5) (12)

10060

(a) (b) Art Galleries – Not-For-Profit Only (6)

(13) 7120 2 (7) 15,000 s 10066 (7) 10066 (a) (b) (o) (p) (s) Art Galleries – Other Than

Not-For-Profit (6) (13) 7120 2 (7) 15,000 s 10065 (7) 10065 (a) (b) (o) (p) (s)

(13)

(1) The sale of sporting goods shall be separately classified and rated. (10052)

(10054)

(2) C – Rate Group 5.

(3) NA (4) NA

(5) Risks primarily selling clothing shall be separately classified and rated as

“Clothing or Wearing Apparel Stores” (10060)

(6) For Art Studios, use Code 0921 and CPP PMA M.

Non-profit, use Code 1051 and CPP PMA 1. If commercial, use Code 0567 and CPP PMA M.

(7) Painting, picture or frame stores shall be separately classified and rated.

This footnote does not apply to Contents, Fire. (10066) (10065)

(8) NA (9) NA (10) NA (11) NA

(12) No products liability if guns or knives sold. Use Exclusion – Products/Completed

Operational Hazard CG 2104

(14)

CCIS-a-b.Doc CCIS 12 12/2003

Insured – Not-For-Profit Only _{(1) (2)} _{(a) (b) (s)}

Athletic Games Sponsored by the Insured – Other Than Not-For-Profit

N/A No --- --- m+ 40059

(1) (2)

Included Non-admitted only (a) (b) (s)

Athletic or Sports Contests – In Buildings – Lessees – Not-For-Profit Only

0844 7110 3 5,000 m+ 40064

(2) (3) (10)

Athletic or Sports Contests – In Buildings – Lessees – Other Than Not-For-Profit

0844 7110 3 5,000 m+ 40063

(2) (3) (10)

Athletic Programs – Amateur – Not-For-Profit Only

N/A 8133 3

(9)

5,000 t+ 40067 (2) (4) (10)

Athletic Programs – Amateur – Other Than Not-For-Profit

N/A 8133 3

(10)

5,000 T+ 40066 (2) (4) (10)

Auctioneers – Sales Conducted Away From The Insured’s Premises

No No --- --- p+ 91177

(8) (11)

(15)

(1) This classification applies when:

(a) There is management or supervision by the insured away from the

insured’s premises

(b) A majority of the participants representing the insured are not employed

regularly in the insured’s business

(c) No admission charge is made other than for charitable purposes

Basis of premium is each game. (40061) (40059)

(2) Coverage does not apply to bodily injury or medical payments to participants in

athletic contests sponsored by the insured. Use Exclusion – Athletic Or Sports Participants Endorsement CG 21 01. (40061) (40059) (40064) (40063) (40069)

(3) Lessors who operate buildings shall be separately classified and rated as

“Exhibition or Convention Buildings”. (40064) (40063)

(4) Sponsors may be included at no additional charge. Use Additional Insured =

Designated Person Or Organization Endorsement CG 20 26.

Coverage does not apply to bodily injury and medical payments to participants in athletic contests. Use Exclusion – Athletic Or Sports Participants Endorsement CG 221 01.

Basis of premium is each game. (40067) (40066)

The following shall be separately classified and rated: • Stadiums

• Exhibition buildings

Basis of premium is each game. (40069)

(5) NA (6) NA (7) NA

(8) Sales conducted on premises owned or rented by the insured shall be classified

and rated as “Auctions”. (91177)

(9) Contents, Fire – NA.

(10) Refer to Company (11) Exclude sale of livestock

(16)

CCIS-a-b.Doc CCIS 14 12/2003

Rented By The Insured _{(14) (16)} _{(a) (b) (s)}

Auditoriums 0843 5310 3 15,000 (2) * * (1) * (a) (b) (p) Automobile Parts and Supplies

Distributors 0512 4211 3 (10) 25,000 s 10070 (9) 10070 (17) (a) (b) (p) Automobile Parts and Supplies Stores (11) 5530 3

(10)

25,000 s 10071 (13)

10071

(18) (a) (b) (p)

(17)

(1) Auditoriums operated in conjunction with other business enterprises are

included in the governing classification. All other auditoriums shall be classified under a more specific classification.

(3) NA (4) NA (5) NA (6) NA (7) NA (8) NA

(9) Risks which sell to the general public shall be classified and rated as “Automobile

Parts and Supplies Stores”

(10) E, H – Includes parts and trailer accessories and parts.

(11) Use Code 0512. Also refer to “Automobile Repair or Service Shops”. (12) NA

(13) This classification applies to risks which sell to both the general public and

commercial operations.

Installation, servicing or repair of parts and supplies shall be separately classified and rated as “Automobile Repair or Service Shops”. (10071)

(14) Livestock Sales Co. shall be separately classified and rated. (91179) (15) E, H – Classify according to merchandise, (not applicable to Contents Fire) (16) Exclude sale of livestock

(17) Products must be submitted if re-labeling or repackaging done (18) Refer to Company if installation is done

(18)

CCIS-a-b.Doc CCIS 16 12/2003

(2) (3) (4)

(1) (a) (b) (f) (h) (p) Automobile Repair or Service Shops (7) 8111 2

(6) (9) (10) 15,000 s 10073 NOC (8) 10073 (a) (b) (f) (h) (p) Automobile Repair Shops –

Self-Service (7) 8111 2 (6) (9) (10) 15,000 s 10075 (8) (11) 10075 (a) (b) (f) (h) (p)

(19)

(1) This classification applies to risks which only provide services for quick

lubrication, oil change and maintenance of fluids or air levels to serviced vehicles. (10072)

This classification includes coverage for operation of customers automobiles on insured’s premises. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68.

(3) SBF and SBR – Rate Group 3.

(4) E, H – Excluding vending machines. Use Exclude Specified Property

Endorsement CR 15 01.

(5) NA

(7) Seat cover padding and trimwork or top repair exclusively, use Code 0512 and

CPP PMA M.

Auto glass replacement, battery replacement, brake adjustment, tire changing, tune ups (points, plugs and carburetor adjustment) oil changing, lubrications, speedometer adjustments and similar services, use Code 0932 and CPP PMA S. Major engine repair or body repair, use Code 0933 and CPP PMA S.

Also refer to “Car Washes” and “Gasoline Stations”.

(8) This classification includes coverage for operation of customers automobiles on

insured’s premises. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68.

Retail operations shall be separately classified and rated.

For premium computation purposes, receipts from towel dispensers, vacuum cleaners, etc. are to be included in gross sales. (10073) (10075)

(9) SBF and SBR – Rate Group 3.

This footnote does not apply to Contents, Fire.”

(10) E, H – Includes parts and trailer accessories and parts.

(11) A $250.00 deductible per claim applies to property damage to customers

automobiles. Use Deductible Liability Insurance Endorsement CG 03 00. (10075)

(20)

Bakeries (2) 4452 1 5,000 S 10100 (3) 10100 (a) (b) (p) (s) Bakery Plants 2200 3110 1 15,000 S 51315 (4) 51315 (a) (b) (p) (s) Barber Or Beauty Shop Supplies

Distributors 0567 4218 2 15,000 S 10111 10111 (a) (b) (p) (s) Barber Shops 0921 8121 1 (6) 5,000 S+ 10113 (5) Included (a) (b) (p) Bars and Taverns (7)

(15) 7225 3 (9) 15,000 * (8) (16) (17) (19) * Non-admitted only (a) (b) (i) (p) (q) CCIS-a-b.Doc CCIS 18 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(21)

(1) NA

(2) Sales only, no baking, use Code 0532 and CPP PMA M.

Baking, with no delivery to other outlets, use Code 0533 and CPP PMA M. Baking, with delivery to other outlets, use Code 2200 and CPP PMA IP.

(3) This classification includes baking operations at the same location as the store if

the products baked are sold principally in that store. (10100)

(4) Risks shall be classified and rated as Bakeries if products baked are sold

principally in the insured’s own retail store at the same location. (51315)

(5) Professional services are excluded. Use Exclusion – Specified Therapeutic Or

Cosmetic Services Endorsement CG 22 45.

Shops engaged in hair dyeing and permanent waving shall be classified and rated as “Beauty Parlors and Hair Styling Salons”. (10113)

(6) E, H – Excludes wigs and toupees. Use Exclude Specified Property

Endorsement CR 15 01

This footnote does not apply to Contents, Fire

(7) Use Code 0541, also refer to appropriate restaurant class (8) Also refer to “Restaurants”.

(10) NA (11) NA (12) NA (13) NA (14) NA

(15) Cooking surfaces such as grills and deep fat fryers must be protected by an

automatic extinguishing system if considering property coverage

(16) Risks with entertainment must be referred to the company

(17) Risks that employ bouncers or security personnel must be referred to the

company

(18) NA

(19) Attach Assault and Battery Exclusion SL-4 (20) For distributors use code 4230

(22)

Not-For-Profit Only ₍₈₎ _{(4) (8)} _{(3) (8)} _{(a) (b) (p) (s)} Bazaars – Operated By The Insured –

Other Than Not-For-Profit

NA (8) 4530 3 (4) (8) 5,000 s+ 10130 (3) (8) Included (a) (b) (p) (s) Beach Chairs And Umbrellas – Rented

To Others (5) (9) 5320 1 5,000 s+ 10133 Included (a) (b) CCIS-a-b.Doc CCIS 20 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(23)

(1) NA (2) NA

(3) This classification applies to temporary public sales conducted by an insured not

in the retail business.

This classification does not apply to risks with amusement devices. Such risks shall be classified and rated as “Carnivals”.

Bazaars conducted on church or club premises are included under the “Churches” or “Clubs” classifications. (10132) (10130).

(4) E, H – Includes Rummage Sales.

(5) NA (6) NA (7) NA

(8) Refer to company for quote

(9) Large Property Deductible Encouraged (10) NA

(24)

(2) (1) (10) (a) (b) (p) (s) Beer, Ale Or Malt Liquor Mfg. – In

Bottles 2400 3121 (11) 1 (3) (4) 25,000 s 51350 (9) 51350 Non-admitted only (a) (b) (p) (s) Beer, Ale Or Malt Liquor Mfg. – In

Cans 2400 3121 (11) 1 (3) (4) 25,000 s 51351 (9) 51351 Non-admitted only (a) (b) (p) (s) Beer, Ale Or Malt Liquor Mfg. – Not

Bottled Or Canned 2400 3121 (12) 1 (3) (4) 25,000 s 51352 (9) 51352 Non-admitted only (a) (b) (p) (s) Beverage Bottler – Soft Drinks –

Carbonated – In Cans Or Plastic Bottles

2350 3121 (12) 1 (3) (7) 15,000 S 51355 (5) (6) 51355 Non-admitted only (a) (b) (p) (s) Beverage Bottler – Soft Drinks –

Carbonated – In Glass Bottles

2350 3121 (12) 1 (3) (7) 15,000 S 51356 (5) (6) 51356 Non-admitted only (a) (b) (p) (s) Beverage Bottler – Soft Drinks – In

Metal Cylinders 2350 3121 (12) 1 (3) (7) 15,000 s 51357 (5) (6) 51357 Non-admitted only (a) (b) (p) (s) Beverage Bottler – Soft Drinks - In

Paper Containers– 2350 3121 (12) 1 (3) (7) 15,000 s 51358 (5) (6) 51358 Non-admitted only (a) (b) (p) (s) Beverage Bottler – Soft Drinks - Not

Carbonated – In Bottles Or Cans

2350 3121 (12) 1 (3) (7) 15,000 s 51359 (5) (6) 51359 Non-admitted only (a) (b) (p) (s) CCIS-a-b.Doc CCIS 22 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(25)

(1) This classification includes establishments that do cosmetic services and

electrolysis.

Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45.

Sun Tanning Salons shall be separately classified and rated. (10115)

(2) E, H Excludes Wigs and Toupees,, Use Excluded Specified Property CR 15 01

This Footnote does not apply to Contents Fire.

(3) E, H – Excludes wines and liquors. Use Exclude Specified Property

(4) Including other alcoholic beverages – NOC:

C – Rate Group 2.

(5) This classification includes manufacturing of soft drinks from syrups or

flavoring extracts. (51355) (51356) (51358) (51359)

(6) Risks engaged exclusively in the manufacturing of syrups, extracts and fruit

juices shall be separately classified and rated. (51355) (51356)

(7) Manufacturers, Bottler or Distributors C – Rate Group 4. This footnote does not apply to Contents, Fire. (8) NA

(9) This classification includes retail sales of beverages for off-premises consumption only, provided the sales are made at the same premises where the beverages are manufactured. Retail sales of beverages for on-premises consumption shall be separately classified and rated under the appropriate “Restaurant” classification. (51350) (51351) (51352)

(10) Exclude all professional liability (11) For distributors use code 4228 (12) For distributors use code 4230

(26)

Other Than Beer ₍₁₎ (24)

(3) (2) (a) (b) (p) (s)

Beverage Distributors – Nonalcoholic And Beer 0532 (4) (24) 4230 (27) 2 (3) (6) (7) 25,000 s 10141 (5) 10141 (a) (b) (p) (s) Beverage Stores – Liquor And Wine 0531

(8), (24) 4453 3 (3) (10) 25,000 s 10145 (9) 10145 (a) (b) (p) (s) Beverage Stores – Soft Drinks And

Beer 0532 (11) (24) 4451 1 15,000 s 10146 (13) 10146 (a) (b) (p) (s) Billiard Or Pool Halls 0844 7130 3

(18) (19)

15,000 s+ 10160

(17) (26)

Included

(a) (b) (i) (p) (s) Billiard Or Pool Table Mfg. * 3395

(28) 1 (21) 25,000 s 51380 (20) 51380 (a) (b) (p) (s) Bingo Games – In Public Halls Or

Theaters – Commercially Operated

* 7130 3 (23) 5,000 m+ 40075 (22) 40075 Non-Admitted Only (a) (b) (p) (s) CCIS-a-b.Doc CCIS 24 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(27)

(1) Including beer

(2) Bottling, canning or filling of containers shall be separately classified and rated

under the appropriate manufacturing classification. (10140)

(3) Including beers and other alcoholic beverages – NOC.

C-Rate Group 4.

(4) If primarily beer, use Code 0531.

(5) Bottling, canning or filling of containers shall be separately classified and rated

under the appropriate manufacturing or bottling classification.

Sales of dairy products shall be separately classified and rated under “Distributors – food or drink”. (10141)

(6) E, H – Excluding wines and liquors, use Exclude Specified Property

(7) If nonalcoholic

C – Manufacturers, Bottlers, or Distributors. Rate Group 4.

(8) Also refer to “Bars and Taverns”.

(9) This classification includes incidental sales of soft drinks and beer. (10145) (10) SBF, SBR – Rate Group 3.

(11) If principal stock is beer, use Code 0531. (12) NA

(13) Stores selling liquor and wine shall be separately classified and rated as

“Beverage Stores – liquor and wine”. (10146)

(14) NA (15) NA (16) NA

(17) Restaurants or refreshment stands shall be separately classified and rated.

(10160)

(18) C – Rate Group 4

(19) E, H – Excluding restaurant or drugstore operations, wines or liquors, use Rate

Group 1.

(20) This classification includes installation. (51380) (21) E, H – Includes supplies.

(22) Refreshment stands shall be separately classified and rated. (40075) (23) C – Rate Group 5

(24) Refer to Theft Guidelines. (25) NA

(26) Attach Assault and Battery Exclusion SL-4 (27) NA

(28)

Boat Repair And Servicing 0922 (2)

4400 3 15,000 p 91235 (3) (5)

91235 (a) (b) (p) (s)

Bolt, Nut, Rivet, Screw Or Washer Mfg. 6850 3320 (1) 2 15,000 --- 51500 (1) (6) No (a) (b) (s) CCIS-a-b.Doc CCIS 26 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(29)

(1) For distributors use code 4210

(2) No sales and storage in the building.

(3) The following shall be separately classified and rated: (91235)

• Boat rentals • Boat sales • Boat building

• Boat storage or moorage

(4) Metal Extraction shall be separately classified and rated (51500) (5) Attach Exclusion Maritime Operations or Activities (SL38)

Attach Exclusion Federal Employees Liability Act

(30)

Description Class Code Class Code Rate Group Class Limit Premium Base Premises Code Products

Code Comments & Application Coding

Bookbinding – Not-For-Profit Only 4809 3230 1 5,000 s+ 51517 Included (a) (b) Bookbinding – Other Than Not-For

Profit

4809 3230 1 5,000 s+ 51516 Included (a) (b) Bookbinding And Printers Supplies 4809 4221 1 5,000 * *

(5)

* (a) (b) Books And Magazines Stores –

Not-For-Profit Only

0567 4510 2 15,000 s+ 10205 Included (a) (b) Books and Magazines Stores – Other

Than Not-For-Profit

0567 4510 2 15,000 s+ 10204 Included (a) (b) Bottle And Jar Mfg. – Glass – Not For

Use Under Pressure

6009 3220 1 5,000 s 51550

(1)

51550 (a) (b) Plastic – Non Returnable 5500 3070 1 5,000 s 51553 51553 (a) (b) Plastic – Returnable 5500 3070 1 5,000 s 51554 51554 (a) (b)

Bowling Lanes 0841 7130 3

(3) (4)

15,000 s+ 10220 (2) (6)

Included (a) (b) (i) 0r (n)

CCIS-a-b.Doc CCIS 28

12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(31)

(1) This classification applies to returnable and non returnable bottles and jars.

(51550)

(2) The following shall be separately classified and rated. (10220)

• Restaurants • Refreshment stands

• Retail operations, such as the sale of bowling balls, shirts, gloves, shoes, etc.

(3) C – Rate Group 4. SBF, SBR – Rate Group 2. This footnote does not apply

to Contents, Fire.

(4) E, H – Including Lanes or Centers.

Excluding restaurant or drugstore operations, wines or liquors, use Exclude Specified Property Endorsement CR 15 01, Rate Group 1.

(5) Please refer to the appropriate “Bookbinding” classification.

(32)

Or Fiberboard ₍₁₎ _{(a) (b)} Boxes or Containers Mfg. – Wood 3959 3210 1 5,000 s 51576

(2)

51576

(a) (b) Boy Or Girl Scout Councils NA

(12) 8133 (12) 1 5,000 t+ 41001 (3) (12) (13) (14) Included (a) (b) Brush Or Broom Mfg. (4) 3395 1 (5) 15,000 s 51613 51613 (a) (b) Builders’ Risks (12) * (12) * (12)(17)(18) * (12)(17) (18) (a) (b) Building Material Dealers – Other Than

Secondhand Material (7) 4440 1 (9) 15,000 s 10255 (8) 10255 (a) (b) Building Material Distributors (7) 4213 * s 10257

(11) (15)

10257 (a) (b)

(33)

(1) This classification includes corrugating or laminating of paper.

Paper or paperboard manufacturing shall be separately classified and rated. (51575)

(2) This classification includes box parts manufacturing. (51576)

(3) Troops, sponsoring organizations and scout committees, scout masters, and

Assistant scout masters are included as additional interests without additional Charge. Use Endorsement CG 2006

Camps shall be separately classified and rated

Rates for this classification apply to maximum number of scouts registered at any time during the policy period regardless of turnover. Basis of premium is each scout. (41001)

(4) Use applicable code according to the character of the material being

manufactured.

(5) E, H NOC Includes Bristles (6) NA

(7) Noncombustible materials only (bricks, concrete, sand, tile, etc.), use Code

1650.

Cement, hydrated or slaked lime, use Code 1650.

Lumber, plywood or timbers, lumber products other than furniture, box shook, sash, doors and similar products, use Code 1650.

Mixed building material not noted above, use Code 0567. Yard storage, use Code 1650.

(8) This classification includes incidental lumberyard operations. (10255)

The following shall be separately classified and rated: • Renting of equipment

• Installation work

• Home Improvement Stores

(9) C-Rate group 2

E, H NOC Excluding Hardware tools, electrical equipment and supplies and heating and plumbing equipment and supplies. This footnote does not apply to Contents Fire.

(10) NA

• Retail operations

• Sale of secondhand building material or lumber

(12) Refer to company

(13) Exclude Assault & Battery SL-4 (14) Exclude Sexual Abuse SL-10 (15) Attach Asbestos Exclusion SL-11 (16) NA

(17) General Liability prohibited for any residential or habitational

(18) Attach Pre Existing Damage Exclusion SL-63 and contractors supplemental

(34)

Buildings Or Premises – Bank And Other Financial Institutions

0702 N/A 1 (6) 5,000 a+ 61223 (5) (6) Included (a) (b) (o) (p) (q) (r) Buildings Or Premises – Bank Or

Office – Mercantile Or Manufacturing (Lessor’s Risk Only) – Not-For-Profit Only (7) 5310 N/A (4) a+ 61216 (5) (9) (10) Included (a) (b) (k) (p) (q) (r) Buildings Or Premises – Bank Or

Office – Mercantile Or Manufacturing (Lessor’s Risk Only) – Other Than Not-For-Profit (7) 5310 N/A (4) a+ 61212 (5) (10) (9) Included (a) (b) (k) (p) (q) (r) Buildings Or Premises – Bank Or

Office – Mercantile Or Manufacturing – Maintained By The Insured – Not-For-Profit Only (7) 5310 N/A (4) a+ 61218 (5) (10) Included (a) (b) (k) (p) (q) (r) Buildings Or Premises – Bank Or

Office – Mercantile Or Manufacturing Maintained By The Insured – Other Than Not-For-Profit (7) 5310 N/A (4) a+ 61217 (5) (10) Included (a) (b) (k) (p) (q) (r) Buildings Or Premises – Office –

Not-For-Profit Only 0702 N/A 1 (4) 5,000 a+ 61227 NOC (5) Included (a) (b) (o) (p) (q) (r) Buildings Or Premises – Office – Other

Than Not-For Profit

0702 N/A 1 (4) 5,000 a+ 61226 NOC (5) Included (a) (b) (o) (p) (q) (r) CCIS-a-b.Doc CCIS 32 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

(35)

(1) NA (2) NA

(3) For Businessowners Only:

(a) Use Code 65121 when owner-occupied as an office. The Business

Personal Property of the owner must also be included in the policy, separately rated.

(b) Use Office rates from Businessowners state rates.

(4) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for

Fire and CPP.

(5) For premium computation purposes include the area of private garages. (61223)

(61227) (61226) (61216) (61212) (61218) (61217)

• Sales of repossessed goods or merchandise

• Premises primarily occupied by the employees of the insured and not generally open to the insured’s customers or the general public, as an office

(7) See specific classification. (8) For Businessowners Only:

(a) For Mercantile Lessor’s risks, use the first four digits of the otherwise

applicable classification code and the fifth digit as “O”.

(b) If owner-occupied as a Retail Store in whole or in part, the business

personal property of the retail store must also be included in the policy separately rated. Use the retail store classification code otherwise applicable.

(c) For Office Lessor’s risks with no apartment occupancy, use Class Code

65198.

(9) This classification applies only if the insured is not responsible for care and

maintenance of the buildings. (61216) (61212).

(36)

Premises Occupied By Employees Of

The Insured – Not-For-Profit Only (4) (2) (3) (a) (b) (o) (p) (q) (r) Buildings Or Premises – Office-

Premises Occupied By Employees Of The Insured – Other Than Not-For-Profit (1) N/A 2 (4) 5,000 a+ 61224 (2) (3) Included (a) (b) (o) (p) (q) (r) Bus Stations Or Terminals 0567

(5) 4850 (11) 3 (8) 5,000 t+ 41210 (6) (8) (9)

Buttons Or Fasteners Mfg. * 3395 1 5,000 s 51666 (10) (a) (b)

(1) See specific classification.

(2) For premium computation purposes include the area of private garages. (61225)

(61224)

(3) This classification applies to premises primarily occupied by the employees of

the insured and not generally open to the insured’s customers or the general public. (61225) (61224)

(4) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for

Fire and CPP.

(5) Stores, restaurants, warehouses or other occupancies in terminals shall be

considered as separate occupancies.

(6) Restaurants and refreshment stands shall be separately classified and rated.

Basis of premium is each station or terminal. (41210)

E, H – Excluding restaurant or drugstore operations, wines or liquors, use Rate Group 1.

(8) Attach assault and battery exclusion SL-4 (9) Attach sexual abuse exclusion SL-10

(10) Refer to company products

(11) For independent terminal operations use code 4880

(37)

CONTENTS, FIRE GENERAL LIABILITY Description Class Code Class Code Rate Group Class Limit Premium Base Premises Code Products Code Comments & Application Coding Cable Or Subscription Television

Companies * 5135 4 15,000 p+ 91315 (2) (8) 91315 (a) (b) Cable Or Wire Mfg. 6850 3320 1 (6) 5,000 * * * (14) (a) (b) Camera And Photographic Equipment

Stores 0567 (15) 4430 3 (7) 25,000 s 10309 (5) 10309 (a) (b) Camper Or Travel Trailer Sales

Agencies (10) (11) 4410 3 15,000 s 10315 (12) (14) (a) (b) (1) NA

(2) This classification includes the installation of lines and equipment at the

customer’s premises.

Cable TV line construction shall be separately classified and rated as “Telephone, Telegraph or Cable Television Line Construction”. (91315)

(3) NA (4) NA

(5) This classification includes incidental service and repair. (10309) (6) Excluding electrical wire or cable manufacturing.

(7) SBF, SBR – Rate Group 3.

(8) NA (9) NA

(10) Campers or Trailers without motors and without repair, use Code 0550 and CPP

PMA M.

Campers or Trailers without motors and with repair, use Code 0922 and CPP PMA S.

(11) This classification includes incidental installation, service and repair.

Self-powered units shall be separately classified and rated under Division One – Automobile. (10315)

(12) NA (13) NA

(14) Refer to company products (15) Refer to theft guidelines

(38)

CCIS-c.Doc CCIS 36 12/2003

(6) (6) (3) (6) (7) ₍₈₎ (a) (b) Campgrounds – Other Than

Not-For-Profit (1) (2) (6) 7215 (6) 1 5,000 s+ 10331 (3) (6) (7) (8)

Included No Saddle Animals (a) (b) Camps – For Profit (6) 7215

(6)

1 5,000 t+ 41421

(4) (6) (7) (8)

Included No Saddle Animals (a) (b) Camps – Not- For Profit (6) 7215

(6)

1 5,000 t+ 41422

(4) (6) (7) (8)

Included No Saddle Animals (a) (b) Can Mfg. – Metal 6850 33320 1 15,000 s 51734 (5) 51734 Non-admitted only (a) (b) Candle Mfg. 5050 3395 1 5,000 s 51741 51741 (a) (b)

(39)

(1) Girl Scout, Boy Scout, Church and YMCA camps, etc. including all buildings on premises (except private dwellings), use Code 0845 and CPP PMA 1.

(2) Recreational Vehicle Parks:

Laundries used by general public, offices, repair garages, gasoline stations, grocery stores and other retail stores, see specific occupancies. Laundries for tenants only, use Code 0922 and CPP PMA S.

Property in the open such as pump houses, platforms or pads for mobile home or recreational vehicles, use Code 1190 and CPP PMA S.

Community centers, recreational buildings, shelter houses, locker houses and other auxiliary or subsidiary buildings not provided for above, use Code 0844 and CPP PMA S.

(3) Coverage does not apply to medical payments to campers nor to medical professional services. Use Exclusion – Camps Or Campgrounds Endorsement CG 22 39. (10332) (10331)

The following shall be separately classified and rated:

• Restaurants

• Saddle animals

• Swimming pools

• Bathing beaches

• Mobile home parks

• Boats

(4) This classification includes coverage for the operation of owned canoes and rowboats. Use Boats Endorsement CG 24 12.

Coverage does not apply to medical payments to campers nor to medical professional services. Use Exclusion – Camps Or Campgrounds Endorsement CG 22 39.

• Saddle animals

• Boats (other than canoes or rowboats)

• Campgrounds

Basis of premium is each camper day.

The total number of “camper days” shall be the sum of the daily number of campers for each day in which the camp is in operation during the policy period. (41421) (41422)

(5) Aerosol container manufacturing shall be separately classified and rated. (51734)

(6) Refer to company

(7) Exclude Assault And Battery – SL-4 (8) Exclude Sexual Abuse – SL-10

(40)

CCIS-c.Doc CCIS 38 12/2003

Candy or Confectionery Products Mfg. 2200 3110 (10)

1 5,000 s 51752

(1)

51752

(a) (b) Candy or Confectionery Stores 0532

(2) 4452 3 (4) 5,000 s 10352 (3) 10352 (a) (b) (p) Car Washes – Self-service 0931 8111 1

(7)

5,000 s+ 10368

(6) (8)

Included

(a) (b) (p) Car Washes – Other Than Self-Service 0931 8111 1

(7)

5,000 s+ 10367

(5) (6)

Included

(a) (b) (p) Carbon Paper or Inked Ribbon Mfg. 4450 3395

(11)

1 5,000 s 51767

(9)

51767

(a) (b)

(41)

(1) If products are sold principally in the insured’s own retail store at the same location, classify and rate as “Candy or Confectionery Stores”. (51752)

(2) Sole occupancy and over 15,000 square feet, use Code 0432.

(3) This classification includes candy or confectionery manufacturing at the same location as the store if the products are sold principally in that store. (10352)

(4) C – Including Tobacco Products, use Rate Group 2. E, H – Excluding Tobacco Products, use Rate Group 1. This footnote does not apply to Contents, Fire.

(5) This classification includes coverage for operation of customers’ automobiles on insured’s premises. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68. (10367)

(6) For premium computation purposes, receipts from towel dispensers, vacuum cleaners, etc. are to be included in gross sales. (10367) (10368) (7) C – Rate Group 3.

E, H – Excluding Vending Machines, use Exclude Specified Property Endorsement CR 15 01.

(8) This classification applies to risks where customers physically wash their own vehicles. A $250.00 deductible per claim applies to property damage to customers’ automobiles. Use Deductible Liability Insurance Endorsement CG 03 00. (10368)

(9) Paper Manufacturing shall be separately classified and rated. (51767) (10) For distributors use code 4230

(42)

CCIS-c.Doc CCIS 40 12/2003 Carpentry (1) (3) 2350 * p 91342 (10)(12)(13) (14)(15) 91342 (10)(12) (13)(14) (15)

Commercial Work Only (a) (b) (d1) Carpentry – Interior (1) 2350 * p 91341 (4) (10) (12)(13)(14) (15) 91341 (4)(10)(12 (13)(14) (15)

Commercial Work Only (a) (b) (d1)

Carpentry – Shop Only 3959 2350 1 5,000 p 91343 (5) (10)(12) (13)(14)(15) 91343 (5)(10)(12 (13)(14) (15)

Carpet or Rug Mfg. (6) 3140 2 15,000 s 51777 (11)

(11) (a) (b) Carpet, Rug, Furniture Or Upholstery

Cleaning – On Customers’ Premises

(7) 5617 N/A p+ 91405 Included

(a) (b) Carpet, Rug Or Upholstery Cleaning –

Shop Only

(8) 5617 2 5,000 s+ 11007 Included

(a) (b) Catalog Or Premium Coupon

Redemption Stores

0567 4520 * s 11020 11020 (a) (b)

Caterers 0542 7225 3 5,000 s 11039

(9)

11039 (a) (b) (n)

(43)

(1) Contractors equipment storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O.

Vehicle storage or repair, refer to “Automobile” classifications. (2) NA

(3) Carpentry shop, use Code 3959 and CPP PMA IP.

(4) This classification includes the installation of doors, floors, windows, cabinets and hardwood or parquet flooring.

This classification is not applicable to contractors engaged in any other carpentry operations at the same job or location. (91341)

• Lumberyards

• Building material dealers

• Home improvement stores

(6) Use Code 2800 and CPP PMA IP for carpet or rug manufacturing. Carpet sales, use Code 0520 and CPP PMA M.

(7) For storage of cleaning equipment and supplies, use Code 0567. (8) Refer to “Laundries and Dry Cleaning” classifications.

(9) This classification applies to risks serving food away from the insured’s premises only. Concessionaires selling beverages or food at exhibitions, parks, shows, sports contests or theaters and store operations shall be separately classified and rated. (11039)

(10) California contractors prohibited (11) Refer to company

(12) Attach Pre Existing Damage Exclusion SL-63 (13) Attach Indoor Air Quality Exclusion EPA-353 (14) Attach Residential Projects Exclusion EAA-148 (15) Attach Contractors Supplemental Application NAA-110

(44)

CCIS-c.Doc CCIS 42 12/2003

Ceiling Or Wall Installation – Metal (1) 2350 1 (3) 5,000 p 91436 (2)(12)(13) (14)(15) 91436 (2)(12) (13)(14) (15)

Cellophane and Cellophane Products Mfg.

5100 3250 1 5,000 s 51796 (10) (a) (b)

Cement, Concrete Mix Or Plaster Mfg. – Packaged

6009 3270 1 5,000 s 51808

(4) (10)

(10)

(a) (b) Cement Or Plaster Mfg. – Bulk 6009

(10) 3270 (10) 1 5,000 s 51809 (4) (10) (10) (a) (b) Cemeteries – Not-For-Profit Only (5) 8122 1 5,000 t+ 41604

(6) (11)

Included (a) (b) Cemeteries – Other Than

Not-For-Profit

(5) 8122 1 5,000 t+ 41603

(6) (11)

Included

(a) (b)

Ceramics (7) 3270 1 5,000 N/A (a) (b)

Chairs – Rented To Others (9) 5320 s+ 11052 Included Non-Admitted Only (a) (b)

(45)

(1) Contractors equipment storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O.

Vehicle storage or repair, refer to “Automobile” classifications.

(2) Ceiling or wall installation other than metal shall be separately classified and rated as “Dry Wall or Wallboard Installation: or “Carpentry”. (91436)

(3) Ceiling or Wall Installation – not plastering., Class Code 1500. This footnote does not apply to Contents, Fire.

(4) The following shall be separately classified and rated: (51808) (51809)

• Dredging

• Excavation

• Mining

• Quarrying

(5) Tombstones only, use Code 1190 and CPP PMA 1.

All other buildings (except private dwellings and mausoleums), use Code 1070 and CPP PMA1.

Also refer to “Mausoleums”.

(6) This classification includes all buildings on the property other than mausoleums owned and operated by the cemetery.

Professional services are excluded. Use Exclusion – Funeral Services Endorsement CG 21 56.

• Mausoleums owned or operated by the cemetery

• Crematory operations

Basis of premium is each acre. (41604) (41603)

(7) Sales and/or storage only, use Code 0567 and CPP PMA M.

With shop work (hobby or instructional), use Code 0921 and CPP PMA M.

With shop work other than above, use Code 6009 and CPP PMA IP. (8) NA

(9) For storage of chairs, use Code 0567. (10) Refer to company

(11) Attach Professional Liability Exclusion (12) Attach Pre Existing Damage Exclusion SL-63 (13) Attach Indoor Air Quality Exclusion EPA-353 (14) Attach Residential Projects Exclusion EAA-148 (15) Attach Contractors Supplemental Application NAA-110

(46)

CCIS-c.Doc CCIS 44 12/2003

Children’s Play Center – Indoor 0844 (11)

7130 3

(10)

215,000 s+ 11120 (1) (13)

Chimney Cleaning (2) 5617 N/A p+ 91481

(17)(18)(19) (20)

Included Commercial Work Only (a) (b) (d1)

China, Porcelain Or Earthenware Mfg. 6009 3270 2 15,000 s 51869 (3)

51869 (a) (b) Churches Or Other Houses Of Worship 0900

(4) 8600 1 (9) 5,000 a+ 41650 (5) (13) (14) Included (a) (b) (p) Clay Products Mfg. 6009 3270 1 5,000 s 51877 (7) (15) (a) (b) Cleaning – Outside Surfaces Of

Buildings

(2) 2350 1 5,000 p+ 91523

(8) (16)(17) (18)(19)(20)

Included Commercial Work Only (a) (b)

Clock Mfg. * 3347 1 15,000 s 51889

(12)

51889 (a) (b)

(47)

(1) This classification applies to commercially operated indoor play facilities for children.

This classification does not apply to a children’s play center operated in connection with the insured’s business and on the same premises, if the classification to which the insured is assigned is rated on a gross sales basis. (11120)

(2) Contractors equipment storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office use Code 0702 and CPP PMA or O.

Vehicle storage or repair, refer to “Automobile” classifications.

(3) This classification includes construction or reconstruction of sheds or kilns. (51869)

• Clay or shale digging

• Sand digging

• Mining

• Quarrying

• Manufacturing of building materials

(4) 0900 also applies to all auxiliary buildings other than academic schools, habitational buildings, or dwellings.

(5) Burial sites located in the same premises are included at no additional charge.

Church members are included as additional insured. Use Additional Insured – Church Members, Officers And Volunteer Workers Endorsement CG 20 22. (41650)

• Camps

• Private residences, as dwellings except that no charge shall be made for private residences occupied full-time and used exclusively for residential purposes by clergy or other religious members and their families.

(6) This classification includes milling and preparing of clay and shale. (91507)

• Canal, sewer or cellar excavation

• Underground mining

• Clay or shale digging

• Sand digging Mining Quarrying

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

Sandblasting operations shall be separately classified and rated. (91523) (9) C – Rate Group 3.

This footnote does not apply to Contents, Fire. (10) C – Rate Group 5. SBF, SBR – Rate Group 3.

This footnote does not apply to Contents, Fire. (11) With cooking facilities, use Code 0542.

(12) This classification does not include clock or clock works used for the operation, timing, regulation or control of machinery or equipment other than household type appliances. Time devices of this nature shall be separately classified and rated as “Instrument Mfg.”. (51889)

(13) Attach -Exclusion Sexual Abuse – SL-9 (14) Exclude professional liability

(15) Refer Products to company

(16) Refer to company work on buildings over 3 stories (17) Attach Pre Existing Damage Exclusion SL-63 (18) Attach Indoor Air Quality Exclusion EPA-353 (19) Attach Residential Projects Exclusion EAA-148 (20) Attach Contractors Supplemental Application NAA-110

(48)

CCIS-c.Doc CCIS 46 12/2003 Clothing Mfg. 3009 3150 (2) (3) s 51896 (8) 51896 (8) (Exclude Children’s) (a) (b) (p)

Clothing Or Wearing Apparel Distributors 0567 (4) 4223 4 (1) 15,000 s 11126 (5) 11126 (a) (b) Clothing Or Wearing Apparel Stores –

Not-For-Profit Only 0520 (4) 4480 4 (1) 25,000 s 11128 (5) (6) 11128 (a) (b) (o) (p) Clothing Or Wearing Apparel Stores –

Other Than Not-For-Profit

0520 (4) 4480 4 (1) 25,000 s 11127 (5) (6) 11127 (a) (b) (o) (p)

(49)

(1) SBF and SBR – Clothing – Ladies and Girls (Coats, Suits and Dresses); Haberdashery and Men’s furnishings, Ladies’ Specialty Stores and Men’s and Boy’s Clothing (Coats and Suits), SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

(2) Refer to the following table:

BP Class Code BP Rate No. BP Rate Group Crime Class Code Crime And Contents, Fire Rate

Group

Crime And Contents, Fire

Class Limit Clothing – Ladies and Girls (Coats, Suits and Dresses) 56214 3 10 2300 3 15,000

Furs (Including Pelts) 56814 3 8 *

Haberdashery and Men’s Furnishings 56113 3 6 2300 4 15,000

Hosiery 56313 3 4 2250 2 15,000

Ladies’ Specialty Stores 56319 3 5

Ladies’ Undergarments and Lingerie 56312 3 6 2300 3 15,000

Leather * * * 2301 *

Men’s and Boys’ Hats and Caps 50333 3 2 2300 *

Men’s and Boys’ Clothing (Coats & Suits) 56114 3 10 2300 4 15,000

Millinery and Trimmings 56311 3 2 2300 1 15,000

Shoes – Ladies’, Men’s and Children’s 56613 1 4 3100 *

Wigs 59993 3 3 Children’s and

Infants Wear

3900 56413 3

(3) E, H – Haberdashery and Men’s Furnishings – excluding Topcoats, Overcoats, and Suits, use Exclude Specified Property Endorsement CR 15 01. Rate Group 3. This footnote does not apply to Contents, Fire. (4) If over 5 employees engaged in sewing, use Code 3009 and CPP PMA

IP.

(5) This classification includes tailoring, clothing alterations and repair work but excludes manufacturing. Manufacturing of clothing shall be

(6) Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (11128) (11127)

(7) NA

(50)

CCIS-c.Doc CCIS 48 12/2003

Club – Civic, Service Or Social – Having Buildings Or Premises Owned Or Leased – Not-For-Profit Only

(1) 8133 3 (3) 15,000 a+ 41668 (2) (5) (6) (7) Included (a) (b) (p) Club – Civic, Service Or Social –

Having Buildings Or Premises Owned Or Leased – Other Than Not-For-Profit

(1) 8133 3 (3) 15,000 a+ 41667 (2) (5) (6) (7) Included (a) (b) (p) Clubs – Civic, Service Or Social – No

Buildings Or Premises Owned Or Leased Except For Office Purposes – Not-For-Profit Only (1) 8133 N/A t+ 41670 (4) (5) (6) (7) Included (a) (b) (p)

Clubs – Civic, Service Or Social – No Buildings Or Premises Owned Or Leased Except For Office Purposes – Other Than Not-For-Profit

(1) 8133 N/A t+ 41669

(4) (5) (6) (7)

Included

(a) (b) (p)

(51)

(1) Clubs such as golf clubs, tennis clubs and similar sports facilities: With cooking, use Code 0755.

Without cooking, use Code 0756.

Clubs, NOC, including fraternal and union halls, use Code 0757. Also refer to “Recreational Facilities” and “Clubs – horseback riding, swimming pools, etc.”.

(2) Club members are included as additional insureds. Use Additional insured – Club Members Endorsement CG 20 02.

This classification does not apply to parks or other grounds where admission is charged. (41668) (41667)

• Camps

• Motorboats or sailboats

• Saddle animals

• Skeet shooting or trap shooting ranges

• Ski lifts or tows

• Stadiums, grandstands or bleachers – outdoor – permanent or portable

• Grounds in excess of 5 acres, as “Vacant Land”

• Swimming pools

• Bathing beaches

• Toboggan slides

• Activities conducted by the insured to which the public is admitted for an admission charge

• Restaurants

(3) C – Clubs – Serving Food, Beers, Wines, Liquor or Other Alcoholic Beverages, use Rate Group 4.

E, H – Excluding restaurant or drugstore operations, use Limit Coverage To Specified Portion Of Premises Endorsement CR 15 08, Rate Group 1. If excluding wines or liquors, use Exclude Specified Property Endorsement CR 15 01, Rate Group 1.

SBF, SBR – Clubs – Rate Group 3.

(4) Club members are included as additional insureds. Use Additional Insured – Club Members Endorsement CG 20 02.

This classification includes clubs and organizations such as: Advertising, Business and Professional Women’s lodges, Civitan, Exchange, Fraternities or Sororities, Kiwanis, Lions, Optimist, Rotary and Round Table which hire or rent premises only for specified days for meeting purposes.

• Activities conducted by the insured to which the public is admitted for an admission charge

• Buildings or premises, other than offices, owned by or rented to the insured, except premises hired or rented only for specified days for meeting purposes.

• Premises occupied by the insured for purposes other than meetings of members and guests

Basis of premium is each member. (41690) (41669)

(5) This classification applies only to clubs which charge a membership fee to join, may assess fees to cover expenses and/or liabilities, and provide that members oversee activities or elect directors, officers or management. (41667) (41668) (41669) (41670)

(6) Clubs such as VFW, American Legion, etc. can be considered. All others must be referred to Company. Watch special events exposure.

(52)

CCIS-c.Doc CCIS 50 12/2003

Clubs – Country Or Golf (1) 7990 3 (2) 25,000 s+ 11138 (3 ) (4) (5) (10) (11) (12) Included (a) (b)

Clubs – Racket Sports And Handball (1) 7940 3 (2) 15,000 s+ 41665 (4) (5) (8) (10) (11) (12) Included (a) (b)