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DescriptionCompany ProgramClass Code(s)
General LiabilityPropertyCommercial AutoUmbrellaLRO Eligibility & Requirement CodeComments
Accountants/CPABOP / CPP65121 / 61224BOP / CPP (1)Risks primarily engaged in providing accounting services on or off premises. Professional Liability Coverage required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Adult Day Care Centers - Not-For-Profit onlyIneligible40006No
Adult Day Care Centers - Other than Not-For-ProfitIneligible40005No
Advertising Agencies/Advertising SpecialtiesCPP41677CPP (1)Office that prepares ad layouts for brochures, newspapers, magazines and books. Develops prototype for printing. Personal and Advertising Liability excluded. No advertising errors and omissions. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Advertising Sign Companies OutdoorCPP90089 (N/A in NY)CPP (8)Ineligible - Use of cherry pickers or cranes to hang signs by or above roadways or highways
Air Conditioning Equipment - Dealers or Distributors OnlyCPP10010CPP (1)
Air Conditioning Systems or Equipment Dealers or distributors and Installation servicing or repairCPP91111 (N/A in NY)CPP (8)
Air Conditioning/Heating Parts and Supplies and Wholesale.BOP / CPP59999 / 10010BOP / CPP (1)Household, less than 25% rental, no installation.
Airport Runway or Warming Apron - paving or repaving, surfacing, resurfacing or scrapingIneligible91125No
Alarms - security systems - monitoringIneligible91130No
Alarms and Alarm Systems - installation, servicing or repairIneligible91127No
Analytical ChemistsIneligible91135No
Answering ServicesBOP / CPP59999 / 61224BOP / CPP (1)Telephone answering service providing service for individuals/businesses on a contract basis. No alarm monitoring services contemplated in this class. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Apartment Hotels - less than 4 storiesCPP60015CPP (1)Guest rooms limited to 15% of total units in the apartment building
ApartmentsBOP65611CPP (1)5 or more units, less then 5 stories (see Habitational guidelines)
Apartments - GardenCPP60011CPP (1)single or multiple buildings not exceeding 2 stories in height that have common management, control and community facilities. (see Habitational guidelines)
ApartmentsCPP60010CPP (1)other than garden apartments (see Habitational guidelines)
Appliance Distributors - Household TypeBOP / CPP57224 / 10010BOP / CPP (1)
Appliance Stores - Household TypeBOP / CPP57224 / 10042BOP / CPP (1)Less than 25% rental, less than 25% repair.
Appliances and Accessories - installation, servicing or repair - householdCPP/SKP91155CPP (8)Television or radio receiving set installation or repair shall be separately classified and rated Ineligible: Fire or burglar alarm work Industrial work Gas installation without a license
Appliances and Accessories Installation, servicing or repair - CommercialCPP91150 (N/A in NY)CPP (8)Ineligible: Gas installation without a license
Appraisal and Inspection ServicesBOP / CPP65121/ 96317BOP / CPP (1)Risks that provide inspection/appraisal services for homes and personal property. The premise is visited for the purpose of pictures and a written report of the condition / value of the home. No jewelry or art on insured`s premises. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.Professional liability required, not provided by AE. Claim adjusters not eligible.
Aquariums and Supplies and WholesaleBOP / CPP59997/ 16403BOP / CPP (1)No other pets; fish only, no dangerous fish.
ArchitectsCPP61224CPP (1)Provides architectural advise and architectural drawings. Not to include risks engaged in actual construction operations. Professional Liability required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Army and Navy StoreBOP / CPP53983/ 10060BOP / CPP (1)
Art Supply StoreBOP / CPP12362/ 14101BOP / CPP (1)Hobby, Craft or Artists' Supply Stores
Artificial Flowers and WholesaleBOP / CPP53317/ 12362BOP / CPP (1)
Attorneys / Lawyers - not for profit onlyBOP / CPP65121/66123BOP / CPP (1)See - Lawyers. Professional Liability required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Attorneys / Lawyers - other than not for profitBOP / CPP65121/ 66122BOP / CPP (1)See - Lawyers. Professional Liability required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Audio Visual Equipment and WholesaleBOP / CPP59955/ 12391BOP / CPP (1)Including rentals, leasing and repairs, no sound system set up for concerts or banquets; less than 25% rental.
Automobile DismantlingIneligible91190No
Automobile Parts and Accessories Stores, Distributors and WholesaleBOP / CPP55313/ 10070BOP / CPP (1)Excluding tires/recaps, less than 15% used auto parts. No junk yards, no parts rebuilding, less than 25% brake drum and rotor turning.
Automobile Quick Lubrication ServicesIneligible932CPP (2)Commercial Auto: Any risk engaged in contract towing. This does not apply to insureds on call for municipalities on a rotation basis.
Automobile Radios and Stereos and WholesaleBOP / CPP50111/ 10071BOP / CPP (1)No installation.
Automobile Renting or Leasing Cos.Ineligible60035No
Automobile Repair: Air Conditioning SystemsIneligible922CPP (2)
Automobile Repair: Auto Collision RepairIneligible933CPP (2)
Automobile Repair: Electrical Installation and RepairIneligible922CPP (2)
Automobile Repair: Glass InstallationIneligible932CPP (2)
Automobile Repair: Repair or Service ShopIneligible933CPP (2)
Automobile Repair: Transmission SystemsIneligible932CPP (2)
Automobile Repair: Tune Up and Emissions TestingIneligible933CPP (2)
Bagel Shops (No Cooking) and WholesaleBOP / CPP50141/ 12361BOP / CPP (1)
Bagel Shops (With Cooking) and WholesaleBOP / CPP71311/ 11288BOP / CPP (3)No deep fat frying. Must comply with NFPA Code 96.
Baked Goods Store (No Cooking)BOP / CPP54606/ 18436BOP / CPP (1)No on premises consumption; no baking or deep frying on premises.
Baked Goods Store (No Cooking) - WholesaleBOP / CPP71311/ 12361BOP / CPP (1)
Bakeries (Including Deep Fat Frying) and WholesaleBOP / CPP71311/ 18436BOP / CPP (3)Must comply with NFPA Code 96.
Bakeries (No Deep Fat Frying) and WholesaleBOP / CPP71311/ 18436BOP / CPP (3)Must comply with NFPA Code 96.
Bakeries/Doughnut ShopsBOP / CPP09091/ 11288BOP / CPP (3)Must comply with NFPA Code 96.
Bakery PlantsBOP / CPP71311/ 51315BOP / CPP (3)Must comply with NFPA Code 96.
Barber ShopsBOP / CPP71332/ 10113BOP / CPP (1)Professional Liability Coverage is available. No electrolysis, tanning, hair implants or exercising/slenderizing services. No spa services
Bath Accessories and WholesaleBOP / CPP50171/ 12362BOP / CPP (1)Less than 25% installation.
Beaches - Bathing - Not Commercially OperatedIneligible40072No
Beauty Parlor and Hair Styling SalonsBOP / CPP71332/ 10115BOP / CPP (1)Professional Liability Coverage is available under BOP. No electrolysis, tanning, hair implants or exercising/slenderizing services. No spa services.
Beauty/Barber Supplies and WholesaleBOP / CPP71952/ 10111BOP / CPP (1)Less than 25% installation-no products sold under insured`s own label; no sales of exercise or tanning equipment, no tanning.
Beverage Distributor - Alcoholic Other Than BeerBOP / CPP59215/ 10140BOP / CPP (2)
Beverage Distributor - Beer or Wine and WholesaleBOP / CPP59215/ 10141BOP / CPP (2)
Beverage Distributor - Non Alcoholic and WholesaleBOP / CPP50481/ 10141BOP / CPP (2)
Beverage Distributor - Non Alcoholic, Beer and WholesaleBOP / CPP59215/ 10141BOP / CPP (2)
Beverage Stores - Liquor and WineBOP / CPP59215/ 10145BOP / CPP (2)Liquor Liability required.
Beverage Stores - Soft Drinks and BeerBOP / CPP50481/ 10146BOP / CPP (2)Liquor Liability required.
Bicycle Stores - Sales and ServicingIneligible10150CPP (2)
Bicycles - Rented to OthersIneligible10151CPP (2)
Billiard or Pool HallsIneligible10160CPP (5)
Bingo Games - in Public Halls or Theaters - Commercially Operated.Ineligible40075No
BlacksmithingCPP91200 (N/A in NY)CPP (8)Welding operations shall be separately classified and rated under 99969 Ineligible Any shops not well ventilated Use of old iron that includes lead
Blankets and Bedspreads and WholesaleBOP / CPP18434/ 12362BOP / CPP (1)
Blasting OperationsIneligible91210No
Boarding or Rooming HousesCPP61000CPP (2)(see Habitational guidelines)
Boat Repair and ServicingIneligible91235No
Boiler Inspection, Installation, Cleaning or RepairIneligible91250No
Book and Magazine Stores and WholesaleBOP / CPP59425/ 16527BOP / CPP (1)No adult book stores.
Bookkeeping ServiceBOP / CPP65121/ 61224BOP / CPP (1)Risk engaged in bookkeeping operations and business records/transactions for others. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Books and Magazine StoresBOP / CPP59425/ 10204BOP / CPP (1)
Boutiques and WholesaleBOP / CPP71961/ 18911BOP / CPP (1)
Bowling Apparel, Accessories, Pro-Shop Incl. WholesaleBOP / CPP56526/ 11127BOP / CPP (1)Includes ball drilling and trophies.
Bowling LanesIneligible10220No
Bridal Shops and Tuxedos Incl. WholesaleBOP / CPP71961/ 11126BOP / CPP (1)Including rentals.
Bridge or Elevated Highway Construction - concreteIneligible91266No
Bridge or Elevated Highway Construction - iron or steelIneligible91265No
Building Maintenance Supplies and WholesaleBOP / CPP52114/ 14527BOP / CPP (1)Less than 25% installation. No product sold under insured`s own label.
Building Material Dealer - Secondhand MaterialIneligible10256No
Building Structure - raising or movingIneligible91280No
Buildings or Premises - bank and other financial institutionsCPP61223CPP (1)
Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - maintained by the insured -Not-For-Profit onlyCPP61218CPP (7)
Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-ProfitBOP / CPP65198/ 61212CPP (7)
Buildings or Premises - Bank or Office, Mercantile or Manufacturing - Lessors Risk OnlyCPP61216CPP (7)
Buildings or Premises - Bank or Office, Mercantile or Manufacturing - Maintained by the Insured - Lessors Risk OnlyCPP61217CPP (7)
Buildings or Premises - office - Not-For-Profit onlyCPP61227CPP (1)
Buildings or Premises - office - Other than Not-For-ProfitCPP61226CPP (1)
Buildings or Premises - office - premises occupied by employees of the insured - Not-For-Profit onlyCPP61225CPP (1)
Buildings or Premises - office - premises occupied by employees of the insured - Other than Not-For-ProfitBOP / CPP65198/ 61224BOP / CPP (1)If our insured is the building owner and also a tenant, the building and the owners contents must be insured under the same AE policy.
Buildings or Premises - Office, Premises Occupied by Employees of the InsuredCPP61224CPP (1)Habitational exposure acceptable.
Business Forms and Systems - WholesaleBOP / CPP71877/ 12362BOP / CPP (1)
Cable Installation in Conduits or SubwaysIneligible91302No
Cable or Subscription Television CompaniesIneligible91315No
Caisson or Cofferdam Work - foundations for buildingsIneligible91324No
Caisson or Cofferdam Work - not foundations for buildingsIneligible91325No
Calculators, Adding Machines and Supplies and WholesaleBOP / CPP57326/ 12362BOP / CPP (1)Less than 25% rental leasing.
Camera Repair Shops, Stores, and WholesaleBOP / CPP59955/ 10309BOP / CPP (1)Less than 15% photography, no studio. Burglar Alarm required.
Cameras and Photographic Equipment StoresBOP / CPP59955/ 10309BOP / CPP (1)Less than 15% photography, no studio. Burglar Alarm required.
Camper or Travel Trailer Sales AgenciesIneligible10315No
Campgrounds or CampsIneligible10331 & 10332No
Candle Shops Incl. WholesaleBOP / CPP53985/ 13506BOP / CPP (1)No manufacturing.
Candy and Nut StoresBOP / CPP54446/ 10352BOP / CPP (1)No manufacturing.
Candy or Confectionery Stores and WholesaleBOP / CPP54446/ 10352BOP / CPP (1)
Car WashesIneligible10367CPP (2)
Car Washes - Self ServeIneligible10368CPP (2)
Card Shops and WholesaleBOP / CPP18434/ 13506BOP / CPP (1)Less than 50% sale of other items.
Carpentry - NOCCPP/SKP91342CPP (8)Ineligible Structural work for new residential construction
Carpentry InteriorCPP91341 (N/A in NY)CPP (8)Do not use for contractors engaged in any other carpentry operations at the same job or location.
Carpentry residential not exceeding three (3) stories in heightCPP91340 (N/A in NY)CPP (8)Ineligible Tract home construction or custom homes more than four (4) per year Construction over 3 stories Any structural work for any new single family homes where the work is not 100% subcontracted out with proper risk transfer New multi-family residential framing of any kind
Carpentry Shop onlyCPP91343 (N/A in NY)CPP (8)Building material dealers (use dealer class) Home improvement stores (use different class) Ineligible: Installation exposures under this code Lumberyards
Carpet Stores Incl. WholesaleBOP / CPP57134/ 12805BOP / CPP (1)Also see - Floor Covering Stores
Carpet, Rug, Furniture or Upholstery Cleaning - on customers' premisesCPP/SKP91405CPP (8)Ineligible: Doormat & rug rental and service
Catalog or Premium Coupon Redemption Stores, incl. wholesaleBOP / CPP73905/ 11020BOP / CPP (1)
CaterersIneligible11039CPP (2)
Ceiling or Wall Installation MetalCPP91436 (N/A in NY)CPP (8)Ineligible: hazardous material abatement
Cellular Telephone Equipment and Supplies and WholesaleBOP / CPP57326/ 12393BOP / CPP (1)Burglar Alarm required.
CemeteriesIneligible41603/4No
Ceramic Shops Incl. WholesaleBOP / CPP59999/ 61224BOP / CPP (1)
Cheese Shops Incl.WholesaleBOP / CPP54516/ 11259BOP / CPP (1)No manufacturing.
Chimney CleaningCPP91481 (N/A in NY)CPP (8)No roofing allowed within this class
China and Glassware and WholesaleBOP / CPP18437/ 13506BOP / CPP (1)
Church Supplies and WholesaleBOP / CPP18434/ 12362BOP / CPP (1)
Churches or Other Houses of WorshipCPP41650CPP (1)
Clay or Shale DiggingIneligible91507No
Cleaners and Laundries (Pick Up Station)BOP71811BOP (1)No plant on premises.
Cleaning outside surfaces of buildingsCPP91523 (N/A in NY)CPP (8)If the cleaning is done as part of another operation, then those cleaning operations shall be included in the governing classification Ineligible: Sandblasting
Clock and Watch Repair ServiceBOP / CPP59999/ 91555BOP / CPP (1)Less than 15% antiques.
Clock and Watch Store Incl. WholesaleBOP / CPP57326/ 14655BOP / CPP (1)Less than 25% repair; less than 15% antiques.
Closets and Accessories Stores Incl. WholesaleBOP / CPP53985/ 18437BOP / CPP (1)Less than 25% installation.
Clothing ManufacturingCPP51896CPP (2)No children`s clothing.
Clothing or Wearing Apparel DistributorsCPP11126CPP (2)
Clothing or Wearing Apparel StoresBOP / CPP71961/ 11127BOP / CPP (1)
Clothing Repair Shops or Tailors (Including Tailoring) and WholesaleBOP / CPP71961/ 18507BOP / CPP (2)
Clothing Shops (Including Tailoring) - WholesaleBOP / CPP57326/ 11127BOP / CPP (2)
Clubs - Country or GolfIneligible11138No
Clubs - Racquet Sports and HandballIneligible41665No
Clubs-Civic, Service or Social - Having Buildings or Premises Owned or LeasedIneligible41668CPP (4)
Clubs-Civic, Service or Social - No Buildings or Premises Owned or Leased Except for Office PurposesIneligible41669CPP (4)
Coffee Break Service and Supplies and WholesaleBOP / CPP50141/ 18435BOP / CPP (1)No automobile snack services, no vending machines, no catering.
Coins and Stamps Incl. WholesaleBOP / CPP59992/ 11155BOP / CPP (1)Less than 15% baseball cards.
Collectibles Memorabilia, Stores and WholesaleBOP / CPP59992/ 11155BOP / CPP (1)No antiques under BOP, less than 15% baseball cards.
Commissary WorkCPP91547 (N/A in NY)CPP (8)Construction class must also be eligible to write the commissary class
Communication Equipment Installation - industrial or commercialIneligible91551CPP (8)
Community Recreational Facilities - Not Operated by a Governmental AgencyIneligible41678No
Computer Consulting or ProgrammingCPP41675CPP (2)
Computer Data Processing - Time SharingCPP43152CPP (2)
Computer Parts and Supplies and WholesaleBOP / CPP71921/ 12362BOP / CPP (1)
Computer Service and RepairBOP / CPP71921/ 91555BOP / CPP (1)
Computer Service or RepairCPP91555 (N/A in NY)CPP (8)If any sales, class under Computer Stores
Computer Stores and WholesaleBOP / CPP57326/ 11160BOP / CPP (1)
Concrete - Mixed in TransitIneligible51956No
Concrete ConstructionCPP/SKP91560CPP (8)Driveway, Sidewalk or Parking Area Paving or Repaving class under 92215. Ineligible: Road construction and paving Bridge construction Below ground pool construction/guniting Any structural work for new single family homes where the work is not 100% subcontracted out with proper risk transfer
Concrete or Cement Distributing Towers - rented to others - installation, repair or removal operations onlyIneligible91562No
Concrete or Plaster Products Manufacturing - Not StructuralIneligible51957No
Concrete Products Manufacturing - Pre-StressedIneligible51958No
Concrete Products Manufacturing - StructuralIneligible51959No
Condominium-Office (Association Risk Only)BOP / CPP60999/62000BOP / CPP (1)
Condominium-Residential (Association Risk Only)BOP / CPP69145/ 62003BOP / CPP (1)Must be 2 units or more to be eligible for BOP or CPP. Must be less then 5 stories to be eligible for BOP.
Conduit Construction for Cables or WiresIneligible91577No
Construction or Project ManagerIneligible41620No
Consultants - NOCIneligible41677CPP (2)
Contractors - subcontracted work - in connection with construction, reconstruction, erection or repair - not buildingsCPP/SKP91581CPP (8)Subcontractor cost limited to 20% of sales under SKP, and 50% of sales for CPP
Contractors - subcontracted work - INELIGIBLE CODES in connection with various types of construction, reconstruction, repair or erectionIneligibleSee CommentsNoIneligible Codes: 91582, 91583, 91584, 91585, 91586, 91587, 91588, 91589
Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others with operatorsIneligible11201CPP (2)
Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others without operatorsIneligible11202CPP (2)
Contractors Equipment - Rented to OthersIneligible11201 & 11202No
Contractors Executive supervisors or executive superintendentsCPP91580 (N/A in NY)CPP (8)Any person who is directly in charge of daily construction operations is not classed as an Executive Supervisor. Such person shall be separately classified and rated under the appropriate contractors classification. If no other classes are covered that includes products/completed operations, then products is not included in the 91580 class
Contractors Permanent YardsCPP91590 (N/A in NY)CPP (8)Yard cannot be adjacent to, or used exclusively for, a particular job site.
Contractors subcontracted work other than construction-related workCPP91591 (N/A in NY)CPP (8)Applies to a service (non-construction) contractor that subcontracts all or a portion of his/her non-construction related work to an adequately insured subcontractor. Example: A lawn care service contractor that subs out re-sodding. Subcontractor cost limited to 50% of sales to be eligbile.
Convenience Store (No Gas)BOP / CPP54136/ 18435BOP / CPP (1)No 24 hour operations. No Sales from Gasoline. No more than 5,000 sq. ft.
Cookie Stand (Includes Muffins)BOP / CPP71311/ 18435BOP / CPP (1)Includes baking, no other cooking.
Copy Machines and Supplies and WholesaleBOP / CPP50812/ 12391BOP / CPP (1)
Copying or Duplicating Services - RetailBOP / CPP71912/ 11222BOP / CPP (1)No 24 hour operations.
Cosmetic and Perfume Shops and WholesaleBOP / CPP59991/ 18437BOP / CPP (1)No manufacturing or repackaging. No products sold under insured`s own label.
Cosmetic, Hair or Skin Preparation StoresBOP / CPP59991/ 11234BOP / CPP (1)No manufacturing or repackaging. No products sold under insured`s own label.
Craft Stores Incl. WholesaleBOP / CPP59995/ 14101BOP / CPP (1)
Crop Spraying - by contractorsIneligible91606No
Dairy ProductsBOP / CPP54516/ 11258BOP / CPP (1)
Dairy Products ManufacturingIneligible52002No
Dairy Products or Butter, Egg Stores and WholesaleBOP / CPP54516/ 12361BOP / CPP (1)
Dam or Reservoir ConstructionIneligible91618No
Day Care Centers - Not-For-Profit onlyIneligible41716CPP (6)
Day Care Centers - Other than Not-For-ProfitIneligible41715CPP (6)
Debris Removal Construction siteCPP91629 (N/A in NY)CPP (8)Salvage operations shall be separately classified and rated
Delicatessens (no cooking)BOP / CPP09071/ 11288BOP / CPP (1)
Delicatessens (With Cooking)BOP / CPP09081/ 11288BOP / CPP (3)No delivery. No food sold for consumption on premises. Must conform to NFPA Code 96 for cooking exposure.
Dental LabsBOP / CPP71444/ 66561BOP / CPP (1)Professional Liability required, not offered by AE.
DentistsBOP / CPP65121/ 66561BOP / CPP (1)Dental operations include teeth cleaning, filling, root canals, x-rays and incidental extractions. Periodontists and Endodontists may also be included in this class. Not to include Oral Surgeons. Professional Liability required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Department StoresBOP / CPP53127/ 12356BOP / CPP (1)
Dike, Levee or Revetment ConstructionIneligible91641No
Distributors - Food or Drink, NOCCPP12361CPP (1)
Distributors - No Food or Drink, NOCCPP12362CPP (1)
Door Window or Assembled Millwork Dealer and WholesalerBOP / CPP74411/ 10257BOP / CPP (1)No installation.
Door, Window or Assembled Millwork Installation MetalCPP91746 (N/A in NY)CPP (8)The installation, service or repair of doors or windows not metal shall be classified as "Carpentry".
Doughnuts (No Cooking)BOP / CPP09091/ 18435BOP / CPP (1)No delivery.
Doughnuts (No Cooking) - WholesaleBOP / CPP09091/ 12361BOP / CPP (1)
Doughnuts (On Premises Cooking) and WholesaleBOP / CPP09091/ 18435BOP / CPP (3)Must conform to NFPA Code 96 for cooking exposure. No delivery.
Drafting Supplies and WholesaleBOP / CPP59995/ 14101BOP / CPP (1)No blueprint services.
DraftsmenIneligible91805CPP (8)
Draperies and Curtains - Ready and Custom MadeBOP / CPP18434/ 12510BOP / CPP (1)Less than 25% installation.
Dredging classesIneligiblevariousNoIneligible Codes: 92053, 92054, 92055
Drilling - other than waterIneligible92101No
Drilling - waterCPP92102 (N/A in NY)CPP (8)Ineligible: Oil or gas well drilling New Ventures Drill rigs not eligible for Commercial Auto
Driveway, Parking Area or Sidewalk - paving or repavingCPP/SKP92215CPP (8)Ineligible: Road Construction or paving Filling or grading of land (unless within this class) Bridge construction Earth or rock excavation
Drugstores - No Table or Counter Service for Beverage or Food.BOP / CPP59116/ 12374BOP / CPP (1)Druggists Professional Liability Coverage is available. No rental of medical equipment. No cooking. No compounding of drugs. No products sold under the insured's lable. Also see Pharmacies. Do not offer HNOA Liability coverage or Symbols 1, 8 or 9 under commercial auto).
Drugstores - WholesaleIneligible12373CPP (2)
Drugstores NOCBOP / CPP59116/ 12375BOP / CPP (1)Druggists Professional Liability Coverage is available. No rental of medical equipment. No cooking. No compounding of drugs. No products sold under the insured's lable. Also see Pharmacies. Do not offer HNOA Liability coverage or Symbols 1, 8 or 9 under commercial auto).
Dry Cleaning Stores and LaundryCPP14733CPP (2)No 24 hour operations. Must be attended.
Drywall or Wallboard InstallationCPP/SKP92338CPP (8)Ineligible: Hazardous material abatement
Dwelling - four family (lessors risk)CPP63013 (N/A in NY)CPP (1)
Dwelling - four family (lessors risk)BOP65144 (N/A in NY)BOP (1)Only available in RI & MA
Dwelling - one family (lessors risk)CPP63010 (N/A in NY)CPP (1)Eligible when part of a larger property schedule. See Habitational Guidelines.
Dwelling - three family (lessors risk)CPP63012 (N/A in NY)CPP (1)
Dwelling - three family (lessors risk)BOP65144 (N/A in NY)BOP (1)Only available in RI & MA
Dwelling - two family (lessors risk)CPP63011 (N/A in NY)CPP (1)Eligible when part of a larger property schedule. See Habitational Guidelines.
Educational Material Incl. WholesaleBOP / CPP50812/ 15607BOP / CPP (1)
Electrical Apparatus Installation, servicing or repairCPP92451 (N/A in NY)CPP (8)Ineligible: No power line construction Installation of alarms or alarm systems and auxiliary apparatus
Electrical Equipment and Supplies and WholesaleBOP / CPP18437/ 12391BOP / CPP (1)No transformers, no used or rebuilt parts, no rentals, products must be U.L. listed; no power tool sales.
Electrical Parts and AccessoriesBOP / CPP59999/ 13716BOP / CPP (1)Less than 25% rental, products must be U.L. listed.
Electrical Work - within buildingsCPP/SKP92478CPP (8)Computer line installation is to be classified as 91551. Ineligible: Work on power lines Industrial work Installation of alarms or alarm systems and electrical machinery or auxiliary apparatus
ElectroplatingIneligible52547No
Elevator or Escalator Inspecting, Installation, Servicing or RepairIneligible92593No
Embroidery and WholesaleBOP / CPP71961/ 12509BOP / CPP (1)Including screen printing, no garment contracting.
Employment AgenciesIneligible43200CPP (2)
Engineers or Architects-Consulting - Not Engaged in Actual ConstructionIneligible92663CPP (8)
Engraving and Photoengraving ServicesBOP / CPP71842/ 52660BOP / CPP (1)
Entertainment Performed on Others' PremisesIneligible43215No
Equipment, Fixtures or Supplies - For Bars, Hotels, Offices, Restaurants or Stores -DistributorsCPP12467CPP (1)Ineligible: Sale of fire Suppression systems
ExcavationIneligible94007CPP (8)
Exhibition or Convention Buildings - Not-For-Profit onlyIneligible63216No
Exhibition or Convention Buildings - Other than Not-For-ProfitIneligible63215No
Express CompaniesIneligible94099CPP (8)
Fabric Stores Incl. WholesaleBOP / CPP56311/ 12509BOP / CPP (1)Less than 10% upholstery.
Farm Machinery Operations - by contractorsIneligible94225No
Feed Manufacturing, NOCIneligible53001No
Feed, Grain or Hay DealersIneligible12583No
Fence DealersIneligible12651CPP (2)
Fence Erection ContractorsCPP/SKP94276CPP (8)Ineligible: Razor or barbed wire fencing Penal work Highway guard rails Electric fencing Concrete site fencing
Fire Departments - VolunteerIneligible43551No
Fire Extinguishers - servicing, refilling or testingIneligible94304No
Fire Suppression Systems -installation, servicing or repairIneligible94381CPP (8)
Fireproofing - structuresIneligible94404CPP (8)
Fishing Tackle Dealers and WholesaleBOP / CPP59526/ 12362BOP / CPP (1)No guns, no outfitters, no rental of boats.
Floor Covering Installation - not ceramic tile or stoneCPP/SKP94569CPP (8)Ceramic tile or stone installation should be separately classified and rated as Tile, Stone, Marble, Mosaic or Terrazzo Interior - 99746.
Floor Covering Stores, Distributors and WholesaleBOP / CPP50351/ 12797BOP / CPP (1)Less than 25% Oriental or Persian rugs, less than 25% carpet sales, less than 25% installation. No wholesale. Also see Carpet Stores.
Floor WaxingIneligible94590CPP (8)
FloristsBOP / CPP59685/ 12841BOP / CPP (1)Including greenhouses. No wholesale.
Food Products ManufacturingIneligibleVariousNo
Formal Wear and Costumes - Rented to OthersCPP12927CPP (1)
Frozen Food DistributorsCPP13049CPP (1)Refrigerated trucks not eligible for Commercial Auto
Fruit or Vegetable Dealers and DistributorsCPP13111CPP (1)Refrigerated trucks not eligible for Commercial Auto
Fuel Dealers or Distributors - Coal or WoodIneligible13201No
Fuel Oil or Kerosene DealersIneligible13204No
Fuel Oil or Kerosene DistributorsIneligible13205No
Funeral Homes or ChapelsIneligible71865/ 43889No
Furniture Manufacturing or Assembling - InfantsIneligible53731No
Furniture Manufacturing or Assembling - Other than WoodIneligible53732No
Furniture Manufacturing or Assembling - WoodIneligible53733No
Furniture or Fixtures Installation in offices or stores Portable metal or woodCPP95124 (N/A in NY)CPP (8)Any sales class under a furniture store code Ineligible: Woodwork stripping or refinishing
Furniture or Woodwork Stripping, Refinishing or Repairing - Shop OnlyIneligible53734No
Furniture StoresIneligible13357CPP (2)
Garbage, Ash or Refuse CollectingIneligible95233No
Gas CompaniesIneligible95305No
Gas Companies - natural gas - local distributionIneligible95306No
Gas Mains or Connections ConstructionIneligible95310No
Gasoline or Oil Supply Station - Retail - Lessors Risk OnlyIneligible44009No
Gasoline StationsIneligible13453-5No
Geophysical Exploration - otherIneligible95357No
Geophysical Exploration - seismic methodIneligible95358No
Gift Shops Incl. WholesaleBOP / CPP59994/ 13506BOP / CPP (1)
Glass and Mirror DealersBOP / CPP57155/ 13590BOP / CPP (1)No automobile glass. Less than 25% installation. No wholesale.
Glass Dealers and GlaziersCPP13590CPP (1)
Golf Courses - MiniatureIneligible44069No
Golf Courses - Municipal or Public - Not Golf or Country ClubsIneligible44070No
Golf Driving RangesIneligible44071No
Golf Equipment, Supplies and WholesaleBOP / CPP59526/ 18205BOP / CPP (1)No driving ranges, less than 25% repair or custom club making. No cart rental.
Golf Mobiles - Loaned or Rented to OthersIneligible44072No
Governmental Municipalaties or CountiesIneligible44100-13CPP (2)
Grading of LandIneligible95410CPP (8)
Grain Elevator OperationsIneligible95455No
Greenhouse ErectionCPP95487 (N/A in NY)CPP (8)Avoid large wholesale greenhouse construction. Solar energy classed under 99080
Grocery Stores NOC (No Gasoline)BOP / CPP12797/ 13673BOP / CPP (1)Up to 5,000 sq. and $500,000 in sales.
Guniting or Shot-creteIneligible95505No
GunsmithsIneligible95620No
Halls - other than not for profitIneligible44276CPP (4)
HandypersonCPP95625 (N/A in NY)CPP (8)Does not apply to risks that do roofing work, other than incidental patching performed while on the premises in connection with other non-roofing work being performed at the same premises.
Hardware and Tool DistributorsCPP13715CPP (1)
Hardware StoresBOP / CPP52512/ 13716BOP / CPP (1)Less than 25% rental; no firearms.
Hazardous Material ContractorsIneligible95630No
Health Care Facilities - Convalescent or Nursing HomesIneligible44422No
Health Food Stores and WholesaleBOP / CPP54127/ 12361BOP / CPP (1)No products sold under insured`s own label, no mixing or blending - or exclude Products
Health or Exercise clubs or Facilities - Commercially OperatedIneligible44311No
Health or Natural Food StoresBOP / CPP54127/ 13720BOP / CPP (1)No products sold under insured`s own label, no mixing or blending.
Hearing Aid ServiceBOP / CPP59974/ 13759BOP / CPP (1)Professional Liability Coverage is available. No wholesale.
Heating or Combined Heating and Air Conditioning Equipment Dealers or Distributors OnlyIneligible13930CPP (2)
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 workCPP/SKP95647CPP (8)Ineligible: Rigging (placement of roof top units with cranes) Asbestos abatement/handling Commercial, institutional, or industrial boiler work High pressure steam boiler work LPG, butane or propane gas work
Heating or Combined w/AC install/service/repairCPP/SKP95648 (N/A in NY)CPP (8)Ineligible: Risked engaged in the sales and installation, servicing or repair of heating or combined heating and air conditioning systems or equipment if none of such systems or equipment uses LPG as an energy source. Pressure boilers Any use of cranes by the insured or by others on their behalf without proper risk transfer
Hobby Shops, Crafts, Artists Supply stores and WholesaleBOP / CPP59995/ 14101BOP / CPP (1)Less than 15% baseball cards.
Home Furnishings Incl. WholesaleBOP / CPP57224/ 12362BOP / CPP (1)Less than 25% installation.
Home Improvement Centers Incl. WholesaleBOP / CPP10257/ 14279BOP / CPP (1)No Lumberyards. Less than 15% lumber sales, no installation.
Hosiery and WholesaleBOP / CPP56313/ 12362BOP / CPP (1)
Hotels and Motels-Less than 4 Stories - Lessors Risk OnlyIneligible45192No
Hotels and Motels-More than 4 Stories - Lessors Risk OnlyIneligible45193No
Hotels and Motels-With Pool or Beaches - Less than 4 StoriesIneligible45190No
Hotels and Motels-With Pool or Beaches - More than 4 StoriesIneligible45191No
House Furnishings InstallationCPP/SKP96053CPP (8)Ineligible: Furniture/household moving Alarm installation Furniture repair use 53734 Appliance installation
Hunting PreservesIneligible45225No
Ice Cream Shops (No Cooking)BOP / CPP54516/ 14101BOP / CPP (1)
Ice Dealers and DistributorsBOP / CPP54516/ 14405BOP / CPP (1)Refrigerated trucks not eligible for Commercial Auto
ImportersIneligible55210CPP (2)
Inspection and Appraisal Companies - Inspecting for Insurance ValuationBOP / CPP65121/ 96317BOP / CPP (1)Professional Liability required, not offered by AE.
Instrument Manufacturing - Analytical, Calibrating, Measuring, Testing or RecordingIneligible55647No
Instrument Manufacturing - ControlIneligible55648No
Instrument Manufacturing, NOCIneligible55649No
Insulation Material Mfg.Ineligible55715 thru 18No
Insulation Work - mineralIneligible96410CPP (8)
Insulation Work - organic or plastic in solid stateIneligible96409CPP (8)
Insulation Work - plasticIneligible96408CPP (8)
Insurance AgentsBOP / CPP65121/ 45334BOP / CPP (1)Professional Liability required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Interior DecoratorsCPP/SKP96611CPP (8)Class does not contemplate any construction, installation, or repair work.
Internet AuctionsIneligible16751CPP (2)
Internet RetailersIneligible16750CPP (2)
Internet Service ProvidersIneligible47610CPP (2)
Irrigation or Drainage System ConstructionIneligible96702No
Irrigation Works OperationsIneligible96703No
Janitorial ServicesIneligible96816No
Janitorial Supplies, Distributors and WholesaleBOP / CPP50651/ 14527BOP / CPP (1)No products sold under insured`s own label, no mixing or blending, less than 15% rentals.
Jetty or Breakwater ConstructionIneligible96872No
Jewelry ManufacturingIneligible55802No
Jewelry Stores or DistributorsIneligible14655CPP (2)
Junk DealersIneligible45380No
Kennels - Breeding, Boarding or SalesIneligible45450No
Kitchen Accessories Incl. WholesaleBOP / CPP50081/ 12362BOP / CPP (1)Less than 25% installation; no major appliance sales.
Labor Union OfficesIneligible65007CPP (2)
Ladies Accessories Incl. WholesaleBOP / CPP56319/ 12362BOP / CPP (1)
Lamps and Lampshades Incl. WholesaleBOP / CPP57224/ 12362BOP / CPP (1)
Land Occupied by Persons Other Than the Insured for Business Purposes - Lessors Risk OnlyIneligible45539No
Landscape GardeningCPP/SKP97047CPP (8)Lawn sprinkler installation class under residential plumbing class 98483, for lawn care services use 97050 Ineligible: No excavation Tree care (arbor services) Snowplowing
Laundries/Dry Cleaning - Self ServiceIneligible14731CPP (2)
Laundry and Dry Cleaning or Dyeing Receiving StationsBOP / CPP71811/14732BOP / CPP (2)No 24 hour operations. Must be attended.
Laundry and Dry Cleaning StoresCPP14733CPP (2)No 24 hour operations. Must be attended.
Laundry Rental ServiceCPP14734CPP (1)
Lawn and Garden Supplies Incl. WholesaleBOP / CPP59698/ 15063BOP / CPP (1)No rental, no repairs, less than 10% lawnmower or snow blower sales. No sale of fertilizer, pesticides or seed under insured`s own label.
Lawn Care ServicesCPP97050 (N/A in NY)CPP (8)For landscape gardening use 97047 Lawn sprinkler installation class under residential plumbing class 98483 Ineligible: Excavation Tree care (arbor services) Snowplowing
Leather Goods Repair, Store Incl. WholesaleBOP / CPP56992/ 18437BOP / CPP (1)
LibrariesCPP66309CPP (1)Not municipal.
Lighting Fixtures and WholesaleBOP / CPP57224/ 12362BOP / CPP (1)Less than 25% installation, products must be U.L. listed.
Linens - Household and WholesaleBOP / CPP18434/ 12362BOP / CPP (1)
Linoleum DealersBOP / CPP57134/ 12797BOP / CPP (1)
Liquor and Wine StoresBOP / CPP59215/ 10145BOP / CPP (2)Liquor Liability required.
Lithographers Including SuppliesBOP / CPP71855/ 14101BOP / CPP (1)
LocksmithsBOP / CPP52512/ 14913BOP / CPP (1)No alarm installation or repair.
Logging and LumberingCPP97111 (N/A in NY)CPP (8)Ineligible: Coverage for property damage due to fire or property damage, however caused, to any vehicle while being loaded or unloaded. Use Exclusion Logging And Lumber Operations Endorsement CG 22 54. Saw or planing and mill operations Applicants responsible for preventing trespassing and vandalism
Luggage Stores and WholesaleBOP / CPP59999/ 12362BOP / CPP (1)Less than 25% repair.
LumberyardsIneligible45819No
Machine Shop, NOCCPP97220CPP (8)No Products.
Machinery or Equipment - farm - installation, servicing, repair or erectionIneligible97221No
Machinery or Equipment - industrial - installation, servicing or repairIneligible97222No
Machinery or Equipment - installation, servicing or repairIneligible97223No
Machinery or Equipment DealersIneligible15060 thru 3No
Mail Box or Packaging StoresCPP15070CPP (1)
Mail Order HouseBOP / CPP59999/ 45900BOP / CPP (1)No tools, no sporting goods, no adult books or magazines, no drugs
Mailing and Addressing CompaniesIneligible45937CPP (2)
Manufacturers RepresentativesIneligible45993CPP (2)
Marine Appraisers or SurveyorsIneligible97308CPP (8)
Market Research FirmsIneligible47366CPP (2)
Markets - Open Air or Not Open AirIneligible15119No
MasonryCPP/SKP97447CPP (8)Use Concrete class 91560 for poured concrete
Maternity Shops and WholesaleBOP / CPP56319/ 11126BOP / CPP (1)
MausoleumsCPP46004CPP (2)
Meat, Fish or Poultry or Seafood Stores Incl. WholesaleBOP / CPP54216/ 13049BOP / CPP (1)No cooking. Refrigerated trucks not eligible for Commercial Auto.
Medical Billing ServicesBOP / CPP65121/ 66561BOP / CPP (1)Provides billing services to medical and professional offices on a contract basis. Collection agencies/operations are not eligible. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Medical Offices - Not Dental, Medical or X-Ray Labs, Opticians or VeterinariansBOP / CPP65121/ 66561BOP / CPP (1)Medical offices where the operations on premises do not include: Ambulance services, short or long term rehabilitation, on Call Office Centers or other offices that are staffed on a twenty four hour basis, Inpatient/Outpatient Surgical Procedures, Physical Therapy services, ambulatory Centers, Emergency/Urgent Care, holistic health Centers. Professional Liability available for Hearing Aid and Opticians. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Medical or X-Ray LabsBOP / CPP71444/ 66561BOP / CPP (1)Professional Liability required, not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Medical, Hospital and Surgical Equipment and Supplies - Rented to OthersIneligible15300CPP (2)
Medical, Hospital and Surgical Supplies - StoresIneligible15314CPP (2)
Metal Dealers or Distributors - AllIneligible15404 & 15405No
Metal Erection - ineligible classesIneligiblevariousNoIneligible Codes: 97651, 97652, 97653, 97654, 97655
Metal Erection Decorative or artisticIneligible97650 (N/A in NY)CPP (8)Ineligible: If window guards are sold, repaired, or installed
Metal Goods Manufacturing - Stamping - Not SignsIneligible56912No
Metal Goods Manufacturing, NOCIneligible56911No
Metal Heat ProcessingIneligible56913No
Metal Works - Shop - Decorative or ArtisticIneligible59914No
Metal Works - Shop - Structural - Load BearingIneligible59915No
Metal Works - Shop - Structural - Not Load BearingIneligible59916No
Microfilming Service, Equipment and SuppliesBOP / CPP71888/ 11222BOP / CPP (1)
Milk Depots or DealersIneligible57001No
Milk ProcessingIneligible57002No
MiningIneligible98002No
Mining - surfaceIneligible98003No
Miscellaneous OfficeBOP / CPP65121/ 61224BOP / CPP (1)Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Mobile Home Parks or CourtsIneligible46202No
Mobile Home Sales AgenciesIneligible15488No
Model HomesIneligible46362No
Mortgage BrokersBOP / CPP65121/ 61224BOP / CPP (1)Office exposure only. Professional Liability required not offered by AE. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Motion Pictures - Ineligible classesIneligiblevariousNoIneligible Codes: 98090, 98091, 98092
Museums - Not-For-Profit onlyIneligible46427CPP (2)
Museums - Other than Not-For-ProfitIneligible46426CPP (2)
Music Stores - Pre-RecordedCPP16676CPP (1)
Musical Instrument ManufacturingIneligible57257No
Musical Instrument Stores, Repair and WholesaleBOP / CPP57334/ 15538BOP / CPP (1)Including lessons, rentals. Less than 25% repairs.
Nail SalonsIneligible71952/ 15600BOP / CPP (2)
Net Manufacturing, NOCIneligible57410No
Newspaper or Magazine DistributorCPP15607CPP (1)
NewsstandsBOP / CPP59935/ 15608BOP / CPP (1)
Night Clubs, Cabarets and Comedy ClubsIneligible15656No
Nurseries and WholesaleBOP / CPP15063/ 15699BOP / CPP (1)No mixing or blending of herbicides or pesticides. No mixing of fertilizer for sale; no landscaping.
Office Buildings - Lessor's Risk OnlyCPP61217CPP (7)Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Office Furniture, Equipment Incl. WholesaleBOP / CPP50925/ 18437BOP / CPP (1)See also Furniture and Fixtures. Less than 25% repair, less than 10% used, no refinishing; less than 25% rental, less than 25% installation. No wholesale.
Office Machines and EquipmentBOP / CPP50691/ 18437BOP / CPP (1)Less than 25% installation, less than 25% rental, Class 3.
Office Machines ManufacturingIneligible57572No
Office Machines or Appliances - installation, inspection, adjustment or repairCPP/SKP98111CPP (8)Ineligible: Manufacturing or process control workHospitals or emergency facilities Fire or burglar monitoring Computer consulting work
Office SuppliesBOP / CPP59999/ 18335BOP / CPP (1)Less than 25% installation. No wholesale.
Oil or Gas - Ineligible CodesIneligiblevariousNoIneligible Codes: 98150 thru 98164
Optical Goods Stores, Service and RepairBOP / CPP59954/ 15839BOP / CPP (1)
OpticiansBOP / CPP65121/ 66561BOP / CPP (1)Professional Liability Coverage is available as an option.
Orchards and Vineyards - operation by contractorsIneligible98257No
Paint, Wallpaper, Wall Covering Stores Incl. WholesaleBOP / CPP52322/ 15991BOP / CPP (1)Less than 25% installation.
Painting - exterior - buildings or structures - exceeding three stories in heightIneligible98303CPP (8)
Painting - exterior - buildings or structures - three stories or less in heightCPP/SKP98304CPP (8)Ineligible: Bridge work Traffic and road marking Sand blasting or burn operations Rental of scaffolding to othersLead paint abatement
Painting - interior - buildings or structuresCPP/SKP98305CPP (8)Ineligible: Rental of scaffolding to others Lead paint abatement
Painting - oil or gasoline tanksIneligible98306No
Painting - ship hullsIneligible98307No
Painting - steel structures or bridgesIneligible98309No
Painting Shop OnlyCPP98308 (N/A in NY)CPP (8)
Painting, Picture or Frame StoresBOP / CPP59999/ 15993BOP / CPP (1)
Paper Goods ManufacturingIneligible57725No
Paper Products DistributorsBOP / CPP59435/ 16005BOP / CPP (1)
PaperhangingCPP/SKP98344CPP (8)Ineligible: Rental of scaffolding to others Lead paint abatement
ParadesIneligible46590No
Parking - public - not open airCPP46603CPP (7)Parking eligible only if part of an insured risk with building coverage.
Parking - public - open airCPP46604CPP (7)Parking eligible only if part of an insured risk with building coverage.
Parking - public - shopping centers - maintained by lessee (lessor's risk only)Ineligible46606No
Parking - public - shopping centers - maintained by the insured (lessor's risk only)Ineligible46607No
Parks and PlaygroundsIneligible46671No
Party Supplies (Paper) and WholesaleBOP / CPP59435/ 16005BOP / CPP (1)No rentals of chairs, tables, tents or other equipment.
Pattern Manufacturing - AllIneligible57808 thru 10No
Pest Control ServicesIneligible43470CPP (2)
Pet Grooming ServicesCPP16402BOP / CPP (1)No kennels, no boarding, no breeding. Professional Liability is required not offered by AE. Commercial Auto: Mobile operations or animal transport are INELIGIBLE
Pet Stores and WholesaleBOP / CPP59997/ 16403BOP / CPP (1)Also see Aquariums and Supplies. No Kennels, less than 25% grooming, no boarding, no breeding.
Pet Supplies, Foods, and WholesaleBOP / CPP59997/ 16403BOP / CPP (1)Also see Aquariums and Supplies. No Pet Shops.
PharmaciesBOP / CPP59116/ 12374BOP / CPP (1)Druggists Professional Liability Coverage is available. No rental of medical equipment. No cooking. No compounding of drugs. No products sold under the insured's lable. Also see Drug Stores. Do not offer HNOA Liability coverage or Symbols 1, 8 or 9 under commercial auto).
Photo Equipment ,Supplies and WholesaleBOP / CPP59955/ 10309BOP / CPP (1)
Photo Finishing LaboratoriesBOP / CPP59955/ 57997BOP / CPP (1)No studio.
PhotocopyingBOP / CPP71837/ 11222BOP / CPP (1)No 24 hour operations.
PhotographersBOP / CPP71899/ 16471BOP / CPP (1)Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Photographers (Including Studios)BOP / CPP71899/ 16471BOP / CPP (1)No aerial work.
Photographic Equipment Repair ShopsBOP / CPP59995/ 91555BOP / CPP (1)
Piano TuningCPP98405 (N/A in NY)CPP (8)Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Picnic Grounds - Commercially OperatedIneligible46773No
Picture Frame Shops and WholesaleBOP / CPP59999/ 15993BOP / CPP (1)
Pile Driving - Ineligible classesIneligiblevariousNoIneligible Codes: 98413, 98414, 98415
Pipeline Construction - gasIneligible98423No
Pipeline Construction - oilIneligible98425No
Pipeline Construction - otherIneligible98424No
Pipeline Construction - slurry - nonflammable mixturesIneligible98426No
Pipelines - operation - gasIneligible98427No
Pipelines - operation - oilIneligible98429No
Pipelines - operation - otherIneligible98428No
Pipelines - operation - slurry - nonflammable mixturesIneligible98430No
Pizza Shops (Ovens Only)BOP / CPP09201/ 16900BOP / CPP (3)Risk must not have any cooking equipment other than ovens, stoves (no frying), microwaves or steam tables. Risk must not provide table service. No alcoholic beverages sold/served. Must comply with NFPA Code 96. Hired and Non-Owned Auto coverage is not available.
Pizza Shops (With Cooking & Deep Frying)BOP / CPP09211/ 16900BOP / CPP (3)Risk may have cooking equipment including grills, fryers, etc. Risk must not provide table service. No alcoholic beverages sold/served. Must comply with NFPA Code 96.
Plant ServicesBOP / CPP15063/ 49840BOP / CPP (1)Including rental and maintenance.
Plant ShopsBOP / CPP15063/ 15699BOP / CPP (1)No wholesale.
Plant Shops - WholesaleIneligible15699CPP (2)
Plaque shops and WholesaleBOP / CPP59996/ 18911BOP / CPP (1)Includes engraving.
Plastering or Stucco WorkCPP/SKP98449CPP (8)Ineligible Exterior work over 3 stories EFIS and/or synthetic stucco
Plastic or Rubber Supply Goods DistributorsIneligible16501CPP (2)
Plumbing - residential or domesticCPP/SKP98483CPP (8)7 employees or less should be written in the SKP program. Must be licensed
Plumbing Commercial and industrialCPP98482 (N/A in NY)CPP (8)Industrial work - Ineligible
Plumbing Fixtures ManufacturingIneligible58095No
Plumbing Supplies and Fixtures Dealers and DistributorsCPP16527CPP (1)
Plumbing Supply StoreBOP / CPP59999/ 16527BOP / CPP (1)Less than 25% installation and rental; less than 15% used parts. No wholesale.
Prefabricated Building ErectionIneligible98502No
PrintersBOP / CPP71912/ 16588BOP / CPP (1)Professional Liability Coverage is available. No 24 hour operations.
Printers or Electrotypers Supplies DistributorBOP / CPP59999/ 16588BOP / CPP (1)
Printing SuppliesBOP / CPP59999/ 10309BOP / CPP (1)
Produce Handling or PackingIneligible16604No
Professional and Trade Associations - No Buildings or Premises Owned or Leased Except as OfficesIneligible46882CPP (2)
QuarriesIneligible98555No
Race Tracks or RacingIneligible46912No
Racquet Sports and Handball Facilities - Commercially OperatedIneligible16670No
Radio and TV Stores Incl. WholesaleBOP / CPP57326/ 12393BOP / CPP (1)Less than 25% rental and repair. No wholesale. Burglar alarm required
Radio or TV Broadcasting Stations - Not-For-Profit onlyIneligible98598CPP (8)
Radio or TV Broadcasting Stations - Other than Not-For-ProfitCPP98597CPP (8)
Railroad - Ineligible classesIneligiblevariousNoIneligible Codes: 98621, 98622, 98623, 98624
Real Estate AgentsBOP / CPP65121/47050BOP / CPP (1)Designated Premise endorsement must stay on the policy, and account must have professional liability coverage. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Real Estate Development PropertyIneligible47051No
Real Estate Property ManagedIneligible47052No
Records, Tapes and CDS and WholesaleBOP / CPP57338/ 18437BOP / CPP (1)Excluding video tape rentals.
Recreational Vehicle DealersIneligible16694No
Recycling Collection CentersIneligible47145No
Refrigeration Equipment Dealers and Distributors Only - CommercialCPP47146CPP (1)
Refrigeration Equipment Dealers NOC and WholesaleBOP / CPP59983/ 16705CPP (1)Household, less than 25% installation and commercial, less than 25% installation.
Refrigeration Systems or Equipment - dealers and distributors and installation, servicing or repair - commercialCPP/SKP98636CPP (8)
Religious Goods Stores and WholesaleBOP / CPP59999/ 18437BOP / CPP (1)
RemodelersCPP94444 (N/A in NY)CPP (8)Ineligible: If expansion of original footprint of the structure is more than 25% - not eligible as a Remodeler If Roofing is > 15% of total payroll not eligible as a remodeler - classify as a roofer
Renovating - outside surfaces of buildingsIneligible98640CPP (8)
Rental Stores - AllIneligible16722CPP (2)
Restaurant or Bar Supplies and WholesaleBOP / CPP50813/ 12467BOP / CPP (1)Less than 25% rental, no refurbishing or used appliances, less than 25% installation.
Restaurants Bring Your Own Alcohol with no sale of alcoholic beverages with table serviceCPP16905CPP (3)Must comply with NFPA Code 96. Must have 3 years in business. No 24 hour exposures. No seasonal exposures. Commercial Auto Must schedule owned vehicles under Symbol 7. Other symbols not available. No delivery, or off premise catering.
Restaurants Bring Your Own Alcohol with no sale of alcoholic beverages without table service with seatingCPP16906CPP (3)Must comply with NFPA Code 96. Must have 3 years in business. No 24 hour exposures. No seasonal exposures. Commercial Auto Must schedule owned vehicles under Symbol 7. Other symbols not available. Delivery, or off premise catering.
Restaurants No sale of alcohoic beverage, table serviceCPP16900CPP (3)Must comply with NFPA Code 96. Must have 3 years in business. No 24 hour exposures. No seasonal exposures. Commercial Auto Must schedule owned vehicles under Symbol 7. Other symbols not available. No delivery, or off premise catering. No BYOB.
Restaurants with Liquor Sales Greater Than 30% With Dance FloorIneligible16915CPP (5)Must comply with NFPA Code 96. TIPS program in place. Must have 3 years in business. No 24 hour exposures. No seasonal exposures, Delivery, or off premise catering. No Sushi restaurants. No BYOB. No night clubs; pyrotechnics; cabarets, comedy clubs; not open 24 hours; armed security, doorman/bouncer, or adult entertainment. No BYOB.
Restaurants with Liquor Sales Greater Than 30% With or Without Dance FloorIneligible16916CPP (5)Must comply with NFPA Code 96. TIPS program in place. Must have 3 years in business. No 24 hour exposures. No seasonal exposures, Delivery, or off premise catering. No Sushi restaurants. No BYOB. No night clubs; pyrotechnics; cabarets, comedy clubs; not open 24 hours; armed security, doorman/bouncer, or adult entertainment. No BYOB.
Restaurants with Liquor Sales Less Than 30% Without Dance FloorCPP16910CPP (4)Must comply with NFPA Code 96. TIPS program in place. Must have 3 years in business. No 24 hour exposures. No seasonal exposures. Commercial Auto Must schedule owned vehicles under Symbol 7. Other symbols not available. No delivery, or off premise catering. No BYOB.
Restaurantswith No Sale of Alcoholic Beverageswithout Table Service with SeatingCPP16901CPP (3)Must comply with NFPA Code 96. Must have 3 years in business. No 24 hour exposures. No seasonal exposures. Commercial Auto Must schedule owned vehicles under Symbol 7. Other symbols not available. No delivery, or off premise catering. No Sushi restaurants. No BYOB.
Rigging - not ship or boatIneligible98658No
Rigging - ship or boatIneligible98659No
Roofing CommercialIneligible98677No
Roofing ResidentialIneligible98678No
Rubber Stamp Manufacturing or AssemblingIneligible58759No
Sail MakingIneligible58822No
Sales or Service OrganizationsIneligible47367CPP (2)
Salvage OperationsIneligible98698No
Salvage Operations - removing, sorting, reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildingsIneligible98699No
Sand or Gravel DiggingIneligible98710No
SandblastingIneligible98705CPP (8)
Sandwich ShopsBOP / CPP09071/ 11288BOP / CPP (1)No delivery. No deep fat frying, no grilling or frying. No Hired Non Owned Auto.
Saunas and Baths - PublicIneligible47420No
Saw Mills or Planking MillsIneligible58873No
School Supply Stores and WholesaleBOP / CPP59999/ 18437BOP / CPP (1)
SchoolsIneligible67512No
Screen Printing-ALLCPP58408BOP / CPP (1)
Secondhand or Salvage Dealers and DistributorsIneligible16881No
Secretarial ServiceBOP / CPP65121/ 61224BOP / CPP (1)Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Security and Patrol AgenciesIneligible98751No
Septic Tank Systems - installation, servicing or repairIneligible98806CPP (8)
Septic Tank Systems CleaningCPP98805 (N/A in NY)CPP (8)
Sewage Disposal - Plant operationsIneligible98810No
Sewer CleaningIneligible98813No
Sewer Mains or Connections ConstructionIneligible98820No
Sewing Machines and AccessoriesBOP / CPP57223/ 18437BOP / CPP (1)Less than 25% rental, household only, less than 25% repair, no vacuum cleaner sales.
Sewing Machines and Accessories - WholesaleCPP58903CPP (1)
Sewing Supplies and WholesaleBOP / CPP57223/ 18437BOP / CPP (1)
Shaft SinkingIneligible98871No
Sheet Metal Work - Shop OnlyCPP58922CPP (1)
Sheet Metal Work OutsideCPP98884 (N/A in NY)CPP (8)Duct work in connection with the installation of air conditioning or heating systems by the insured shall be separately classified and rated under the appropriate "Air Conditioning or Heating installation, servicing or repair" classification
Shelters, Mission, Settlement or Halfway Houses - Not Church or Office BuildingsIneligible67017No
Ship Ceiling or ScalingIneligible98914No
Ship Chandler StoresCPP18078CPP (1)
Ship Repair or ConversionIneligible98949No
Shoe RepairingBOP / CPP71926/ 18109BOP / CPP (1)Shoe Stores separately rated
Shoe Stores and WholesaleBOP / CPP56613/ 18110BOP / CPP (1)Including Repair.
Shopping Centers - Buildings or Premises Not Occupied by the Insured - Lessors Risk OnlyCPP67635CPP (7)Strip Mall type only.
Shopping Centers - Indoor Malls-Buildings or Premises Not Occupied by the Insured - Lessors Risk OnlyCPP67634CPP (7)
Siding InstallationCPP/SKP98967CPP (8)Wood siding installation shall be separately classified and rated as Carpentry - 91340. Ineligible: Exterior work over 3 stories Roofing unless classed separately Exterior cleaning of building (power washing) unless classed separately Hazardous materials abatement
Sign Erection, Installation or RepairCPP98993 (N/A in NY)CPP (8)Use of cherry pickers or cranes to hang signs by or above highways - Ineligible
Sign Manufacturing - ElectricalIneligible59057No
Sign Manufacturing NOCIneligible59058No
Sign Painting or Lettering Inside of buildingsCPP99003 (N/A in NY)CPP (8)
Sign Painting or Lettering on Buildings or StructuresCPP99004 (N/A in NY)CPP (8)
Skating Rink - ALLIneligible48177 & 48178No
Snow and Ice Removal - contractorIneligible99310No
Social Gatherings and Meetings - On Premises Not Owned or Operated by InsuredIneligible48558CPP (2)
Social Services - Consulting Services Only - Operated by a Private SectorIneligible48600CPP (2)
Solar Energy ContractorsCPP99080 (N/A in NY)CPP (8)The following shall be separately classified and rated: Insulation of buildings or dwelling Sales of solar heating/energy equipment
Solar Energy FarmsIneligible99081No
Solar Energy Systems - Existence Hazard only (lessor's risk only)Ineligible97502No
Solar Energy Systems - Existence Hazard only (owner-operated)Ineligible97501No
Souvenir Shops and WholesaleBOP / CPP59994/ 18911BOP / CPP (1)No outdoor cart vendors.
Spas or Personal Enhancement FacilitiesIneligible18200No
Sporting Goods or Athletic Equipment DistributorsIneligible18205CPP (2)
Sporting Goods-RetailBOP / CPP59526/ 18206BOP / CPP (1)
Stables Boarding, livery or racingCPP99111 (N/A in NY)NoThe following shall be separately classified and rated: Sale of animals Riding stables or academies No animal transport
Stationery or Paper Products StoresCPP18335CPP (1)
Stationery StoresBOP / CPP59435/ 13506BOP / CPP (1)
Steam Heating or Steam Power CompaniesIneligible99160No
Steam Mains or Connections ConstructionIneligible99163No
Steam Pipe or Boiler InsulationIneligible99165No
Stereo and Hi-Fi EquipmentBOP / CPP57326/ 11160BOP / CPP (1)Less than 25% repair, leasing or rental.
Stereo and Hi-Fi Equipment (Service and Repair) and WholesaleBOP / CPP71921/ 99650BOP / CPP (1)Burglar Alarm required
Stevedoring - Ineligible ClassesIneligible99220NoIneligible Codes: 99220, 99221, 99222, 99223
Stone Cutting or PolishingCPP59482CPP (1)
Stores - Food or Drink NOCCPP18438CPP (2)
Stores - No Food or Drink NOCCPP18437CPP (1)
Street CleaningCPP99303 (N/A in NY)CPP (8)Snow removal - Ineligible
Street or Road Construction or ReconstructionIneligible99315CPP (8)
Street or Road Paving or Repaving, Surfacing or Resurfacing or ScrapingIneligible99321CPP (8)
Subway ConstructionIneligible99445No
Sun Tanning SalonsIneligible48808CPP (2)
SupermarketsIneligible18501CPP (2)Up to maxium of 10,000 sq. ft.
Surveyors - land - not engaged in actual constructionIneligible99471CPP (8)
Swimming PoolsIneligible48925No
Swimming Pools - Commercial OperatedIneligible48924No
Swimming Pools - installation, servicing or repair - below groundIneligible99507CPP (8)
Swimming Pools Installation or repair Above groundCPP99506 (N/A in NY)CPP (8)No below ground work other than preparing ground for pool
Swimming Pools ServicingCPP99505 (N/A in NY)CPP (8)
Tailor or Dressmaking Establishments - CustomBOP / CPP71961/ 18507BOP / CPP (1)
Tank Building or Manufacturing -MetalIneligible59660 & 59661No
Tank Construction, Installation, Erection or Repair - metal - not pressurizedIneligible99570No
Tank Construction, Installation, Erection or Repair - metal - not pressurized - within buildings exclusivelyIneligible99572No
Tank Construction, Installation, Erection or Repair - metal - pressurizedIneligible99571No
Tank Construction, Installation, Erection or Repair - metal - pressurized - within buildings exclusivelyIneligible99573No
Tattoo ParlorsIneligible18570CPP (2)
Taxicab companiesIneligible68001No
TaxidermistsCPP71976CPP (1)
Telecommunication Equipment ProvidersIneligible18575CPP (2)
Telecommunication Service ProvidersIneligible99600CPP (2)
Telegraph CompaniesIneligible99614No
Telephone Answering ServicesBOP / CPP65121/ 61224BOP / CPP (1)See also Answering Services. No Telemarketing.
Telephone Stores Incl. WholesaleBOP / CPP59999/ 11160BOP / CPP (1)
Telephone, Telegraph or Cable Television Line ConstructionIneligible99613No
Teleproduction StudiosIneligible99620CPP (8)
Television or Radio Installation or RepairBOP / CPP71921/ 99650BOP / CPP (1)No installation in automobiles.
Television or Radio Receiving Set Installation or RepairIneligible99650CPP (8)
Tent or Canvas Goods - erection, removal or repair - away from shopIneligible99709No
Tents or Canopies - Loaned or Rented to OthersIneligible49111No
Textile Products Manufacturing - FabricatedIneligible59725No
Textile Spinning, Weaving or Knitting MillsIneligible59726No
TheatersIneligible49184No
Theatrical Companies - travelingIneligible99718No
Ticket AgenciesCPP68439CPP (1)
Tile (Ceramic) Dealers and WholesaleBOP / CPP59999/ 12797BOP / CPP (1)Less than 25% installation.
Tile Stores and WholesaleBOP / CPP59999/ 12805BOP / CPP (1)
Tile, Stone, Marble, Mosaic or Terrazzo Work - interior constructionCPP/SKP99746CPP (1)Exterior construction work shall be separately classified and rated as Masonry 97447. Ineligible: New residential construction - Except for custom homes (no tract home developments)
Tire DealersIneligible18161No
Tobacco Products Stores or DistributorsIneligible18707 & 18708No
Tobacco Rehandling or WarehousingIneligible99760No
TobacconistsIneligible59906No
Tool Manufacturing Accessories-ALLIneligible59781 thru 4No
Townhouses or Similar Associations (Association Risk Only)CPP68500CPP (1)2 units or more.
Toy Stores Or DistributorsIneligible18833 & 18834No
Toys or Games ManufacturingIneligible59790No
Trailer DealerIneligible19795No
Trailer RentalIneligible19796No
Travel AgenciesBOP / CPP65121/ 49333BOP / CPP (1)No tours sponsored. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Tree Pruning, Dusting, Spraying, Repairing, Trimming or FumigatingIneligible99777CPP (8)
Trophy Stores and Dealers and WholesaleBOP / CPP59996/ 18911BOP / CPP (1)Including engraving.
Tropical FishBOP / CPP59997/ 16403BOP / CPP (1)No dangerous fish. No wholesale.
TruckersIneligible99793CPP (8)
TunnelingIneligible99798No
Typing ServiceBOP / CPP65121/ 61224BOP / CPP (1)Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Underpinning Buildings or StructuresIneligible99803No
Uniforms (Including Supplies)BOP / CPP53983/ 11126BOP / CPP (1)Including rentals. No laundering or dry cleaning for others.
UpholsteringCPP99826CPP (1)
Upholstering - shop onlyCPP99827CPP (1)
Upholstery FabricsBOP / CPP56311/ 12510BOP / CPP (1)Less than 10% upholstering, no contracting.
Vacant Buildings - factoriesIneligible68604No
Vacant Buildings - Not FactoriesIneligible68605No
Vacant Buildings - not factories - Not-For-Profit onlyIneligible68607No
Vacant Buildings - not factories - Other than Not-For-ProfitIneligible68606No
Vacant LandIneligible49451NoIncidental exposure only.
Vacuum Cleaner StoresBOP / CPP57224/ 18437BOP / CPP (1)Less than 25% rental, less than 25% repair.
Vacuum Cleaner Stores - WholesaleBOP / CPP57224/ 10040BOP / CPP (1)
Variety StoreBOP / CPP53989/ 18911BOP / CPP (1)
Variety Stores - Other Than Not For ProfitCPP18911CPP (1)
Vending Machine Operations - Confection, Food, Beverage, or IceCPP49617CPP (1)
Vending Machine Operations - Tobacco ProductsIneligible49618No
Vending Machine Operations, NOCCPP49619CPP (1)
Venetian Blind and WholesaleBOP / CPP53989/ 18437BOP / CPP (1)
Venetian Blinds Manufacturing or AssemblingCPP59917CPP (1)
Vertical BlindsBOP / CPP53989/ 18437BOP / CPP (1)Including installation.
Veterinarians - or Veterinary HospitalsBOP / CPP65198/ 99851BOP / CPP (1)Professional Liability Coverage is available for BOP only. No Kennels, no breeding, no surgery on valuable race or show horses or other prize animals, minor surgical procedures only. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Video Recorders, Players and WholesaleBOP / CPP57338/ 18920BOP / CPP (1)Including service and repair.
Video Stores and WholesaleBOP / CPP57338/ 18920BOP / CPP (1)No adult Video Stores. No 24 hour stores.
Vitamin, Food Supplements, and WholesaleBOP / CPP59999/ 13720BOP / CPP (1)
Wallpaper and Wall CoveringsBOP / CPP75691/ 15991BOP / CPP (1)Less than 25% installation.
Warehouses - occupied by multiple interests (lessor's risk only)Ineligible68702No
Warehouses - occupied by single interest (lessor's risk only)Ineligible68703No
Warehouses - private - Not-For-Profit onlyIneligible68707No
Warehouses - private - Other than Not-For-ProfitIneligible68706No
WarehousesIneligible99938No
Washing Machines and Dryers - DealersBOP / CPP57224/ 10040BOP / CPP (1)Household type only. Less than 25% installation or repair.
Watch Dealers (Including Service and Repair)BOP / CPP18434/ 14655BOP / CPP (1)
Water CompaniesIneligible99943No
Water Companies (Bottled and Bulk) - Retail or WholesaleIneligible59927No
Water Filtration and PurificationCPP74111CPP (1)Household only. Less than 15% chemical sales.
Water Mains or Connections ConstructionIneligible99946No
Water Softening and Conditioning Equipment (Including Service and Supplies)BOP / CPP74111/ 99948BOP / CPP (1)
Water Softening Equipment - Rented to OthersIneligible19051CPP (2)
Water Softening Equipment Installation, service or repairCPP99948 (N/A in NY)CPP (8)The following shall be separately classified and rated: Sales of water softening chemicals Sales of Water Softening Equipment which is not to be used in connection with the insured's installation, service or repair operations, as Plumbing Supplies and Fixtures Dealers and Distributors
WaterproofingIneligible99955CPP (8)
Waterproofing - by pressure apparatusIneligible99952CPP (8)
Waterproofing - by trowel - exteriorIneligible99953CPP (8)
Waterproofing - by trowel - interior or insulation workIneligible99954CPP (8)
Web Site DesignersIneligible96930CPP (8)
Weighers, Samplers or Inspectors of Merchandise - on vessels or docks or at railway stations or warehousesIneligible99963No
Welding or CuttingCPP99969 (N/A in NY)CPP (8)Ineligible: Work in connection with demolition jobs Work in connection with the erection of iron or steel frame structures or bridges If welding is done for the auto industry including trailer hitches
Wicker, Rattan, Willow or Twisted Fiber Products ManufacturingIneligible59947No
Wigs and HairpiecesBOP / CPP59993/ 59955BOP / CPP (1)No hair implants.
Wind Farms - off shoreIneligible99083No
Wind Farms - on-shoreIneligible99082No
Wind Tubines - Existence Hazard only (owner-operated)Ineligible97503No
Wind Turbine Contractors - Installation, Service or Repair - off-shoreIneligible99085No
Wind Turbine Contractors - Installation, Service or Repair - on-shoreIneligible99084No
Wind Turbines - Existence Hazard only (lessor's risk only)Ineligible97504No
Window CleaningCPP99975 (N/A in NY)CPP (8)Exterior - No more than 3 stories
Window DecoratingCPP49840CPP (1)
Window Shades and BlindsBOP / CPP57224/ 18437BOP / CPP (1)Less than 25% Commercial; less than 25% installation. Class 1.
Wire Cloth ManufacturingIneligible59970No
Wire DrawingIneligible59973No
Wire Goods Manufacturing, NOCIneligible59975No
Wood Products Manufacturing, NOCIneligible59985No
Wood Turned Products Manufacturing, NOCIneligible59986No
Word Processing Equipment & SuppliesBOP / CPP74111/ 91555BOP / CPP (1)Less than 25% rental.
Word Processing ServicesBOP / CPP65198/ 61224BOP / CPP (1)No Telemarketing. Commercial Auto Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy.
Wrecking - buildings or structuresIneligible99986No
Wrecking - dismantling of prefabricated dwellings not exceeding three stories for reerectionIneligible99987No
Wrecking - marineIneligible99988No
YarnBOP / CPP56311/ 12510BOP / CPP (1)
YMCA, YWCA or Similar InstitutionIneligible49870No
Yogurt StoresBOP / CPP09171/ 14401BOP / CPP (1)No cooking.
Youth Recreation ProgramIneligible49890 & 49891No
Zoos or AquariumIneligible49902 & 49903No