Class & Coverage Search

ClassDescription	Class Code	CompanyPrograms	GeneralLiability	Property	Comments
Delicatessens (no cooking)	11288	CPP	Yes	Yes
Sandwich Shops	11288	CPP	Yes	Yes	No delivery. No deep fat frying, no grilling or frying. No Hired Non Owned Auto.
Delicatessens (With Cooking)	11288	CPP	Yes	Yes	No delivery. No food sold for consumption on premises. Must conform to NFPA Code 96 for cooking exposure.
Bakeries/Doughnut Shops	11288	CPP	Yes	Yes	Must comply with NFPA Code 96.
Doughnuts (No Cooking) - Wholesale	12361	CPP	Yes	Yes
Doughnuts (No Cooking)	18435	CPP	Yes	Yes	No delivery.
Doughnuts (On Premises Cooking) and Wholesale	18435	CPP	Yes	Yes	Must conform to NFPA Code 96 for cooking exposure. No delivery.
Yogurt Stores	14401	CPP	Yes	Yes	No cooking.
Pizza Shops (Ovens Only)	16900	CPP	Yes	Yes	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)	16900	CPP	Yes	Yes	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.
Air Conditioning Equipment - Dealers or Distributors Only	10010	CPP	Yes	Yes
Automobile Quick Lubrication Services	10072	Ineligible	No	No	Ineligible: Rental of scaffolding to others Lead paint abatement
Automobile Repair: Air Conditioning Systems	10073	Ineligible	No	No
Automobile Repair: Auto Collision Repair	10073	Ineligible	No	No	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
Automobile Repair: Electrical Installation and Repair	10073	Ineligible	No	No	Exterior construction work shall be separately classified and rated as Masonry 97447. Ineligible: New residential construction - Except for custom homes (no tract home developments)
Automobile Repair: Glass Installation	10073	Ineligible	No	No
Automobile Repair: Repair or Service Shop	10073	Ineligible	No	No
Automobile Repair: Transmission Systems	10073	Ineligible	No	No
Automobile Repair: Tune Up and Emissions Testing	10073	Ineligible	No	No
Bicycle Stores - Sales and Servicing	10150	Ineligible	No	No
Bicycles - Rented to Others	10151	Ineligible	No	No
Billiard or Pool Halls	10160	Ineligible	No	No
Bowling Lanes	10220	Ineligible	No	No
Building Material Dealer - Secondhand Material	10256	Ineligible	No	No
Home Improvement Centers Incl. Wholesale	14279	CPP	Yes	Yes	No Lumberyards. Less than 15% lumber sales, no installation.
Camper or Travel Trailer Sales Agencies	10315	Ineligible	No	No
Campgrounds or Camps	10331 & 10332	Ineligible	No	No
Car Washes	10367	Ineligible	No	No
Car Washes - Self Serve	10368	Ineligible	No	No
Caterers	11039	Ineligible	No	No
Clothing or Wearing Apparel Distributors	11126	CPP	Yes	Yes
Clubs - Country or Golf	11138	Ineligible	No	No
Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others with operators	11201	Ineligible	No	No
Contractors Equipment - Rented to Others	11201 & 11202	Ineligible	No	No
Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto - rented to others without operators	11202	Ineligible	No	No
Distributors - Food or Drink, NOC	12361	CPP	Yes	Yes
Distributors - No Food or Drink, NOC	12362	CPP	Yes	Yes
Art Supply Store	14101	CPP	Yes	Yes	Ineligible: Furniture/household moving Alarm installation Furniture repair use 53734 Appliance installation
Drugstores - Wholesale	12373	Ineligible	No	No
Equipment, Fixtures or Supplies - For Bars, Hotels, Offices, Restaurants or Stores -Distributors	12467	CPP	Yes	Yes	Ineligible: Sale of fire Suppression systems
Feed, Grain or Hay Dealers	12583	Ineligible	No	No
Fence Dealers	12651	Ineligible	No	No
Grocery Stores NOC (No Gasoline)	13673	CPP	Yes	Yes	Up to 5,000 sq. and $500,000 in sales.
Formal Wear and Costumes - Rented to Others	12927	CPP	Yes	Yes
Frozen Food Distributors	13049	CPP	Yes	Yes	Refrigerated trucks not eligible for Commercial Auto
Fruit or Vegetable Dealers and Distributors	13111	CPP	Yes	Yes	Refrigerated trucks not eligible for Commercial Auto
Fuel Dealers or Distributors - Coal or Wood	13201	Ineligible	No	No
Fuel Oil or Kerosene Dealers	13204	Ineligible	No	No
Fuel Oil or Kerosene Distributors	13205	Ineligible	No	No
Furniture Stores	13357	Ineligible	No	No
Gasoline Stations	13453-5	Ineligible	No	No
Glass Dealers and Glaziers	13590	Ineligible	No	No
Hardware and Tool Distributors	13715	CPP	Yes	Yes
Heating or Combined Heating and Air Conditioning Equipment Dealers or Distributors Only	13930	Ineligible	No	No
Jewelry Stores or Distributors	14655	Ineligible	No	No
Laundries/Dry Cleaning - Self Service	14731	Ineligible	No	No
Dry Cleaning Stores and Laundry	14733	CPP	Yes	Yes	No 24 hour operations. Must be attended.
Laundry and Dry Cleaning Stores	14733	CPP	Yes	Yes	No 24 hour operations. Must be attended.
Laundry Rental Service	14734	CPP	Yes	Yes
Machinery or Equipment Dealers	15060 thru 3	Ineligible	No	No
Nurseries and Wholesale	15699	CPP	Yes	Yes	No mixing or blending of herbicides or pesticides. No mixing of fertilizer for sale; no landscaping.
Plant Shops	15699	CPP	Yes	Yes	No wholesale.
Plant Services	49840	CPP	Yes	Yes	Including rental and maintenance.
Mail Box or Packaging Stores	15070	CPP	Yes	Yes
Markets - Open Air or Not Open Air	15119	Ineligible	No	No
Medical, Hospital and Surgical Equipment and Supplies - Rented to Others	15300	Ineligible	No	No
Medical, Hospital and Surgical Supplies - Stores	15314	Ineligible	No	No
Metal Dealers or Distributors - All	15404 & 15405	Ineligible	No	No
Mobile Home Sales Agencies	15488	Ineligible	No	No
Newspaper or Magazine Distributor	15607	CPP	Yes	Yes
Night Clubs, Cabarets and Comedy Clubs	15656	Ineligible	No	No
Plant Shops - Wholesale	15699	Ineligible	No	No
Pet Grooming Services	16402	CPP	Yes	Yes	No kennels, no boarding, no breeding. Professional Liability is required not offered by AE. Commercial Auto: Mobile operations or animal transport are INELIGIBLE
Plastic or Rubber Supply Goods Distributors	16501	Ineligible	No	No
Plumbing Supplies and Fixtures Dealers and Distributors	16527	CPP	Yes	Yes
Produce Handling or Packing	16604	Ineligible	No	No
Racquet Sports and Handball Facilities - Commercially Operated	16670	Ineligible	No	No
Music Stores - Pre-Recorded	16676	CPP	Yes	Yes
Recreational Vehicle Dealers	16694	Ineligible	No	No
Rental Stores - All	16722	Ineligible	No	No
Internet Retailers	16750	Ineligible	No	No
Internet Auctions	16751	Ineligible	No	No
Secondhand or Salvage Dealers and Distributors	16881	Ineligible	No	No
Restaurants No sale of alcohoic beverage, table service	16900	CPP	Yes	Yes	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.
Restaurantswith No Sale of Alcoholic Beverageswithout Table Service with Seating	16901	CPP	Yes	Yes	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.
Restaurants Bring Your Own Alcohol with no sale of alcoholic beverages with table service	16905	CPP	Yes	Yes	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 seating	16906	CPP	Yes	Yes	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 with Liquor Sales Less Than 30% Without Dance Floor	16910	CPP	Yes	Yes	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.
Restaurants with Liquor Sales Greater Than 30% With Dance Floor	16915	Ineligible	No	No	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 Floor	16916	Ineligible	No	No	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.
Ship Chandler Stores	18078	CPP	Yes	Yes
Tire Dealers	18161	Ineligible	No	No
Spas or Personal Enhancement Facilities	18200	Ineligible	No	No
Sporting Goods or Athletic Equipment Distributors	18205	Ineligible	No	No
Stationery or Paper Products Stores	18335	CPP	Yes	Yes
Blankets and Bedspreads and Wholesale	12362	CPP	Yes	Yes
Church Supplies and Wholesale	12362	CPP	Yes	Yes
Linens - Household and Wholesale	12362	CPP	Yes	Yes
Draperies and Curtains - Ready and Custom Made	12510	CPP	Yes	Yes	Less than 25% installation.
Card Shops and Wholesale	13506	CPP	Yes	Yes	Less than 50% sale of other items.
Watch Dealers (Including Service and Repair)	14655	CPP	Yes	Yes
Stores - No Food or Drink NOC	18437	CPP	Yes	Yes
Electrical Equipment and Supplies and Wholesale	12391	CPP	Yes	Yes	No transformers, no used or rebuilt parts, no rentals, products must be U.L. listed; no power tool sales.
China and Glassware and Wholesale	13506	CPP	Yes	Yes
Dry Goods Dealers - Retail	18438	CPP	Yes	Yes
Supermarkets	18501	Ineligible	No	No	Up to maxium of 10,000 sq. ft.
Tattoo Parlors	18570	Ineligible	No	No
Telecommunication Equipment Providers	18575	Ineligible	No	No
Tobacco Products Stores or Distributors	18707 & 18708	Ineligible	No	No
Toy Stores Or Distributors	18833 & 18834	Ineligible	No	No
Variety Stores - Other Than Not For Profit	18911	CPP	Yes	Yes
Water Softening Equipment - Rented to Others	19051	Ineligible	No	No
Trailer Dealer	19795	Ineligible	No	No
Trailer Rental	19796	Ineligible	No	No
Adult Day Care Centers - Other than Not-For-Profit	40005	Ineligible	No	No
Adult Day Care Centers - Not-For-Profit only	40006	Ineligible	No	No
Beaches - Bathing - Not Commercially Operated	40072	Ineligible	No	No
Bingo Games - in Public Halls or Theaters - Commercially Operated.	40075	Ineligible	No	No
Cemeteries	4	Ineligible	No	No
Construction or Project Manager	41620	Ineligible	No	No
Churches or Other Houses of Worship	41650	CPP	Yes	Yes
Clubs - Racquet Sports and Handball	41665	Ineligible	No	No
Clubs-Civic, Service or Social - Having Buildings or Premises Owned or Leased	41668	Ineligible	No	No
Clubs-Civic, Service or Social - No Buildings or Premises Owned or Leased Except for Office Purposes	41669	Ineligible	No	No
Computer Consulting or Programming	41675	CPP	No	No
Advertising Agencies/Advertising Specialties	41677	CPP	Yes	Yes	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.
Consultants - NOC	41677	Ineligible	No	No
Community Recreational Facilities - Not Operated by a Governmental Agency	41678	Ineligible	No	No
Day Care Centers - Other than Not-For-Profit	41715	Ineligible	No	No
Day Care Centers - Not-For-Profit only	41716	Ineligible	No	No
Computer Data Processing - Time Sharing	43152	CPP	No	No
Employment Agencies	43200	Ineligible	No	No
Entertainment Performed on Others' Premises	43215	Ineligible	No	No
Pest Control Services	43470	Ineligible	No	No
Fire Departments - Volunteer	43551	Ineligible	No	No
Gasoline or Oil Supply Station - Retail - Lessors Risk Only	44009	Ineligible	No	No
Golf Courses - Miniature	44069	Ineligible	No	No
Golf Courses - Municipal or Public - Not Golf or Country Clubs	44070	Ineligible	No	No
Golf Driving Ranges	44071	Ineligible	No	No
Golf Mobiles - Loaned or Rented to Others	44072	Ineligible	No	No
Governmental Municipalaties or Counties	44100-13	Ineligible	No	No
Halls - other than not for profit	44276	Ineligible	No	No
Health or Exercise clubs or Facilities - Commercially Operated	44311	Ineligible	No	No
Health Care Facilities - Convalescent or Nursing Homes	44422	Ineligible	No	No
Hotels and Motels-With Pool or Beaches - Less than 4 Stories	45190	Ineligible	No	No
Hotels and Motels-With Pool or Beaches - More than 4 Stories	45191	Ineligible	No	No
Hotels and Motels-Less than 4 Stories - Lessors Risk Only	45192	Ineligible	No	No
Hotels and Motels-More than 4 Stories - Lessors Risk Only	45193	Ineligible	No	No
Hunting Preserves	45225	Ineligible	No	No
Junk Dealers	45380	Ineligible	No	No
Kennels - Breeding, Boarding or Sales	45450	Ineligible	No	No
Land Occupied by Persons Other Than the Insured for Business Purposes - Lessors Risk Only	45539	Ineligible	No	No
Lumberyards	45819	Ineligible	No	No
Mailing and Addressing Companies	45937	Ineligible	No	No
Manufacturers Representatives	45993	Ineligible	No	No
Mausoleums	46004	CPP	Yes	Yes
Mobile Home Parks or Courts	46202	Ineligible	No	No
Model Homes	46362	Ineligible	No	No
Museums - Other than Not-For-Profit	46426	Ineligible	No	No
Museums - Not-For-Profit only	46427	Ineligible	No	No
Parades	46590	Ineligible	No	No
Parking - public - not open air	46603	CPP	Yes	Yes	Parking eligible only if part of an insured risk with building coverage.
Parking - public - open air	46604	CPP	Yes	Yes	Parking eligible only if part of an insured risk with building coverage.
Parking - public - shopping centers - maintained by lessee (lessor's risk only)	46606	Ineligible	No	No
Parking - public - shopping centers - maintained by the insured (lessor's risk only)	46607	Ineligible	No	No
Parks and Playgrounds	46671	Ineligible	No	No
Picnic Grounds - Commercially Operated	46773	Ineligible	No	No
Professional and Trade Associations - No Buildings or Premises Owned or Leased Except as Offices	46882	Ineligible	No	No
Race Tracks or Racing	46912	Ineligible	No	No
Real Estate Development Property	47051	Ineligible	No	No
Real Estate Property Managed	47052	Ineligible	No	No
Recycling Collection Centers	47145	Ineligible	No	No
Refrigeration Equipment Dealers and Distributors Only - Commercial	47146	CPP	Yes	Yes
Market Research Firms	47366	Ineligible	No	No
Sales or Service Organizations	47367	Ineligible	No	No
Saunas and Baths - Public	47420	Ineligible	No	No
Internet Service Providers	47610	Ineligible	No	No
Skating Rink - ALL	48177 & 48178	Ineligible	No	No
Social Gatherings and Meetings - On Premises Not Owned or Operated by Insured	48558	Ineligible	No	No
Social Services - Consulting Services Only - Operated by a Private Sector	48600	Ineligible	No	No
Sun Tanning Salons	48808	Ineligible	No	No
Swimming Pools - Commercial Operated	48924	Ineligible	No	No
Swimming Pools	48925	Ineligible	No	No
Tents or Canopies - Loaned or Rented to Others	49111	Ineligible	No	No
Theaters	49184	Ineligible	No	No
Vacant Land	49451	Ineligible	No	No	Incidental exposure only.
Vending Machine Operations - Confection, Food, Beverage, or Ice	49617	CPP	Yes	Yes
Vending Machine Operations - Tobacco Products	49618	Ineligible	No	No
Vending Machine Operations, NOC	49619	CPP	Yes	Yes
Window Decorating	49840	CPP	Yes	Yes
YMCA, YWCA or Similar Institution	49870	Ineligible	No	No
Youth Recreation Program	49890 & 49891	Ineligible	No	No
Zoos or Aquarium	49902 & 49903	Ineligible	No	No
Kitchen Accessories Incl. Wholesale	12362	CPP	Yes	Yes	Less than 25% installation; no major appliance sales.
Automobile Radios and Stereos and Wholesale	10071	CPP	Yes	Yes	Ineligible: Exterior work over 3 stories EFIS and/or synthetic stucco
Bagel Shops (No Cooking) and Wholesale	12361	CPP	Yes	Yes
Coffee Break Service and Supplies and Wholesale	18435	CPP	Yes	Yes	No automobile snack services, no vending machines, no catering.
Bath Accessories and Wholesale	12362	CPP	Yes	Yes	Less than 25% installation.
Floor Covering Stores, Distributors and Wholesale	12797	CPP	Yes	Yes	Less than 25% Oriental or Persian rugs, less than 25% carpet sales, less than 25% installation. No wholesale. Also see Carpet Stores.
Beverage Distributor - Non Alcoholic and Wholesale	10141	CPP	Yes	Yes
Beverage Stores - Soft Drinks and Beer	10146	CPP	Yes	Yes	Liquor Liability required.
Janitorial Supplies, Distributors and Wholesale	14527	CPP	Yes	Yes	No products sold under insured`s own label, no mixing or blending, less than 15% rentals.
Office Machines and Equipment	18437	CPP	Yes	Yes	Less than 25% installation, less than 25% rental, Class 3.
Copy Machines and Supplies and Wholesale	12391	CPP	Yes	Yes
Educational Material Incl. Wholesale	15607	CPP	Yes	Yes
Restaurant or Bar Supplies and Wholesale	12467	CPP	Yes	Yes	Less than 25% rental, no refurbishing or used appliances, less than 25% installation.
Office Furniture, Equipment Incl. Wholesale	18437	CPP	Yes	Yes	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.
Clothing Manufacturing	51896	CPP	Yes	Yes	No children`s clothing.
Concrete - Mixed in Transit	51956	Ineligible	No	No
Concrete or Plaster Products Manufacturing - Not Structural	51957	Ineligible	No	No
Concrete Products Manufacturing - Pre-Stressed	51958	Ineligible	No	No
Concrete Products Manufacturing - Structural	51959	Ineligible	No	No
Dairy Products Manufacturing	52002	Ineligible	No	No
Building Maintenance Supplies and Wholesale	14527	CPP	Yes	Yes	Less than 25% installation. No product sold under insured`s own label.
Paint, Wallpaper, Wall Covering Stores Incl. Wholesale	15991	CPP	Yes	Yes	Less than 25% installation.
Hardware Stores	13716	CPP	Yes	Yes	Less than 25% rental; no firearms.
Locksmiths	14913	CPP	Yes	Yes	No alarm installation or repair.
Electroplating	52547	Ineligible	No	No
Feed Manufacturing, NOC	53001	Ineligible	No	No
Department Stores	12356	CPP	Yes	Yes
Artificial Flowers and Wholesale	12362	CPP	Yes	Yes	Class does not contemplate any construction, installation, or repair work.
Furniture Manufacturing or Assembling - Infants	53731	Ineligible	No	No
Furniture Manufacturing or Assembling - Other than Wood	53732	Ineligible	No	No
Furniture Manufacturing or Assembling - Wood	53733	Ineligible	No	No
Furniture or Woodwork Stripping, Refinishing or Repairing - Shop Only	53734	Ineligible	No	No
Army and Navy Store	10060	CPP	Yes	Yes	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
Uniforms (Including Supplies)	11126	CPP	Yes	Yes	Including rentals. No laundering or dry cleaning for others.
Candle Shops Incl. Wholesale	13506	CPP	Yes	Yes	No manufacturing.
Venetian Blind and Wholesale	18437	CPP	Yes	Yes
Vertical Blinds	18437	CPP	Yes	Yes	Including installation.
Variety Store	18911	CPP	Yes	Yes
Health Food Stores and Wholesale	12361	CPP	Yes	Yes	No products sold under insured`s own label, no mixing or blending - or exclude Products
Health or Natural Food Stores	13720	CPP	Yes	Yes	No products sold under insured`s own label, no mixing or blending.
Convenience Store (No Gas)	18435	CPP	Yes	Yes	No 24 hour operations. No Sales from Gasoline. No more than 5,000 sq. ft.
Meat, Fish or Poultry or Seafood Stores Incl. Wholesale	13049	CPP	Yes	Yes	No cooking. Refrigerated trucks not eligible for Commercial Auto.
Candy and Nut Stores	10352	CPP	Yes	Yes	No manufacturing.
Candy or Confectionery Stores and Wholesale	10352	CPP	Yes	Yes
Dairy Products	11258	CPP	Yes	Yes
Cheese Shops Incl.Wholesale	11259	CPP	Yes	Yes	No manufacturing.
Dairy Products or Butter, Egg Stores and Wholesale	12361	CPP	Yes	Yes
Ice Cream Shops (No Cooking)	14101	CPP	Yes	Yes
Ice Dealers and Distributors	14405	CPP	Yes	Yes
Baked Goods Store (No Cooking)	18436	CPP	Yes	Yes	No on premises consumption; no baking or deep frying on premises.
Importers	55210	Ineligible	No	No
Automobile Parts and Accessories Stores, Distributors and Wholesale	10070	CPP	Yes	Yes	Ineligible: Rental of scaffolding to others Lead paint abatement
Instrument Manufacturing - Analytical, Calibrating, Measuring, Testing or Recording	55647	Ineligible	No	No
Instrument Manufacturing - Control	55648	Ineligible	No	No
Instrument Manufacturing, NOC	55649	Ineligible	No	No
Insulation Material Mfg.	55715 thru 18	Ineligible	No	No
Jewelry Manufacturing	55802	Ineligible	No	No
Fabric Stores Incl. Wholesale	12509	CPP	Yes	Yes	Less than 10% upholstery.
Upholstery Fabrics	12510	CPP	Yes	Yes	Less than 10% upholstering, no contracting.
Yarn	12510	CPP	Yes	Yes
Hosiery and Wholesale	12362	CPP	Yes	Yes
Maternity Shops and Wholesale	11126	CPP	Yes	Yes
Ladies Accessories Incl. Wholesale	12362	CPP	Yes	Yes
Bowling Apparel, Accessories, Pro-Shop Incl. Wholesale	11127	CPP	Yes	Yes	Includes ball drilling and trophies.
Shoe Stores and Wholesale	18110	CPP	Yes	Yes	Including Repair.
Metal Goods Manufacturing, NOC	56911	Ineligible	No	No
Metal Goods Manufacturing - Stamping - Not Signs	56912	Ineligible	No	No
Metal Heat Processing	56913	Ineligible	No	No
Leather Goods Repair, Store Incl. Wholesale	18437	CPP	Yes	Yes
Milk Depots or Dealers	57001	Ineligible	No	No
Milk Processing	57002	Ineligible	No	No
Linoleum Dealers	12797	CPP	Yes	Yes
Carpet Stores Incl. Wholesale	12805	CPP	Yes	Yes	Also see - Floor Covering Stores
Glass and Mirror Dealers	13590	CPP	Yes	Yes	No automobile glass. Less than 25% installation. No wholesale.
Sewing Machines and Accessories	18437	CPP	Yes	Yes	Less than 25% rental, household only, less than 25% repair, no vacuum cleaner sales.
Sewing Supplies and Wholesale	18437	CPP	Yes	Yes
Appliance Distributors - Household Type	10010	CPP	Yes	Yes
Appliance Stores - Household Type	10042	CPP	Yes	Yes	Less than 25% rental, less than 25% repair.
Vacuum Cleaner Stores - Wholesale	10040	CPP	Yes	Yes
Washing Machines and Dryers - Dealers	10040	CPP	Yes	Yes	Household type only. Less than 25% installation or repair.
Home Furnishings Incl. Wholesale	12362	CPP	Yes	Yes	Less than 25% installation.
Lamps and Lampshades Incl. Wholesale	12362	CPP	Yes	Yes
Lighting Fixtures and Wholesale	12362	CPP	Yes	Yes	Less than 25% installation, products must be U.L. listed.
Vacuum Cleaner Stores	18437	CPP	Yes	Yes	Less than 25% rental, less than 25% repair.
Window Shades and Blinds	18437	CPP	Yes	Yes	Less than 25% Commercial; less than 25% installation. Class 1.
Musical Instrument Manufacturing	57257	Ineligible	No	No
Clothing Shops (Including Tailoring) - Wholesale	11127	CPP	Yes	Yes
Computer Stores and Wholesale	11160	CPP	Yes	Yes
Stereo and Hi-Fi Equipment	11160	CPP	Yes	Yes	Less than 25% repair, leasing or rental.
Calculators, Adding Machines and Supplies and Wholesale	12362	CPP	Yes	Yes	Less than 25% rental leasing.
Cellular Telephone Equipment and Supplies and Wholesale	12393	CPP	Yes	Yes	Burglar Alarm required.
Radio and TV Stores Incl. Wholesale	12393	CPP	Yes	Yes	Less than 25% rental and repair. No wholesale. Burglar alarm required
Clock and Watch Store Incl. Wholesale	14655	CPP	Yes	Yes	Less than 25% repair; less than 15% antiques.
Musical Instrument Stores, Repair and Wholesale	15538	CPP	Yes	Yes	Including lessons, rentals. Less than 25% repairs.
Records, Tapes and CDS and Wholesale	18437	CPP	Yes	Yes	Excluding video tape rentals.
Video Recorders, Players and Wholesale	18920	CPP	Yes	Yes	Including service and repair.
Video Stores and Wholesale	18920	CPP	Yes	Yes	No adult Video Stores. No 24 hour stores.
Net Manufacturing, NOC	57410	Ineligible	No	No
Office Machines Manufacturing	57572	Ineligible	No	No
Paper Goods Manufacturing	57725	Ineligible	No	No
Pattern Manufacturing - All	57808 thru 10	Ineligible	No	No
Plumbing Fixtures Manufacturing	58095	Ineligible	No	No
Screen Printing-ALL	58408	CPP	Yes	Yes
Rubber Stamp Manufacturing or Assembling	58759	Ineligible	No	No
Sail Making	58822	Ineligible	No	No
Saw Mills or Planking Mills	58873	Ineligible	No	No
Sewing Machines and Accessories - Wholesale	58903	CPP	Yes	Yes
Sheet Metal Work - Shop Only	58922	Ineligible	No	No
Sign Manufacturing - Electrical	59057	Ineligible	No	No
Sign Manufacturing NOC	59058	Ineligible	No	No
Drugstores - No Table or Counter Service for Beverage or Food.	12374	CPP	Yes	Yes	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).
Pharmacies	12374	CPP	Yes	Yes	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).
Drugstores NOC	12375	CPP	Yes	Yes	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).
Beverage Distributor - Alcoholic Other Than Beer	10140	CPP	Yes	Yes
Beverage Distributor - Beer or Wine and Wholesale	10141	CPP	Yes	Yes
Beverage Distributor - Non Alcoholic, Beer and Wholesale	10141	CPP	Yes	Yes
Beverage Stores - Liquor and Wine	10145	CPP	Yes	Yes	Liquor Liability required.
Liquor and Wine Stores	10145	CPP	Yes	Yes	Liquor Liability required.
Books and Magazine Stores	10204	CPP	Yes	Yes
Book and Magazine Stores and Wholesale	16527	CPP	Yes	Yes	No adult book stores.
Stationery Stores	13506	CPP	Yes	Yes
Paper Products Distributors	16005	CPP	Yes	Yes
Party Supplies (Paper) and Wholesale	16005	CPP	Yes	Yes	No rentals of chairs, tables, tents or other equipment.
Stone Cutting or Polishing	59482	CPP	Yes	Yes
Fishing Tackle Dealers and Wholesale	12362	CPP	Yes	Yes	No guns, no outfitters, no rental of boats.
Golf Equipment, Supplies and Wholesale	18205	CPP	Yes	Yes	No driving ranges, less than 25% repair or custom club making. No cart rental.
Sporting Goods-Retail	18206	CPP	Yes	Yes
Tank Building or Manufacturing -Metal	59660 & 59661	Ineligible	No	No
Florists	12841	CPP	Yes	Yes	Including greenhouses. No wholesale.
Lawn and Garden Supplies Incl. Wholesale	15063	CPP	Yes	Yes	No rental, no repairs, less than 10% lawnmower or snow blower sales. No sale of fertilizer, pesticides or seed under insured`s own label.
Textile Products Manufacturing - Fabricated	59725	Ineligible	No	No
Textile Spinning, Weaving or Knitting Mills	59726	Ineligible	No	No
Tool Manufacturing Accessories-ALL	59781 thru 4	Ineligible	No	No
Toys or Games Manufacturing	59790	Ineligible	No	No
Tobacconists	59906	Ineligible	No	No
Metal Works - Shop - Decorative or Artistic	59914	Ineligible	No	No
Metal Works - Shop - Structural - Load Bearing	59915	Ineligible	No	No
Metal Works - Shop - Structural - Not Load Bearing	59916	Ineligible	No	No
Venetian Blinds Manufacturing or Assembling	59917	CPP	Yes	Yes
Water Companies (Bottled and Bulk) - Retail or Wholesale	59927	Ineligible	No	No
Newsstands	15608	CPP	Yes	Yes
Wicker, Rattan, Willow or Twisted Fiber Products Manufacturing	59947	Ineligible	No	No
Optical Goods Stores, Service and Repair	15839	CPP	Yes	Yes
Camera Repair Shops, Stores, and Wholesale	10309	CPP	Yes	Yes	Less than 15% photography, no studio. Burglar Alarm required.
Cameras and Photographic Equipment Stores	10309	CPP	Yes	Yes	Less than 15% photography, no studio. Burglar Alarm required.
Photo Equipment ,Supplies and Wholesale	10309	CPP	Yes	Yes
Audio Visual Equipment and Wholesale	12391	CPP	Yes	Yes	Ineligible: Manufacturing or process control workHospitals or emergency facilities Fire or burglar monitoring Computer consulting work
Photo Finishing Laboratories	57997	CPP	Yes	Yes	No studio.
Wire Cloth Manufacturing	59970	Ineligible	No	No
Wire Drawing	59973	Ineligible	No	No
Hearing Aid Service	13759	CPP	Yes	Yes	Professional Liability Coverage is available. No wholesale.
Wire Goods Manufacturing, NOC	59975	Ineligible	No	No
Refrigeration Equipment Dealers NOC and Wholesale	16705	CPP	Yes	Yes	Household, less than 25% installation and commercial, less than 25% installation.
Wood Products Manufacturing, NOC	59985	Ineligible	No	No
Wood Turned Products Manufacturing, NOC	59986	Ineligible	No	No
Cosmetic, Hair or Skin Preparation Stores	11234	CPP	Yes	Yes	No manufacturing or repackaging. No products sold under insured`s own label.
Cosmetic and Perfume Shops and Wholesale	18437	CPP	Yes	Yes	No manufacturing or repackaging. No products sold under insured`s own label.
Coins and Stamps Incl. Wholesale	11155	CPP	Yes	Yes	Less than 15% baseball cards.
Collectibles Memorabilia, Stores and Wholesale	11155	CPP	Yes	Yes	No antiques under BOP, less than 15% baseball cards.
Wigs and Hairpieces	59955	CPP	Yes	Yes	No hair implants.
Gift Shops Incl. Wholesale	13506	CPP	Yes	Yes
Souvenir Shops and Wholesale	18911	CPP	Yes	Yes	No outdoor cart vendors.
Craft Stores Incl. Wholesale	14101	CPP	Yes	Yes
Drafting Supplies and Wholesale	14101	CPP	Yes	Yes	No blueprint services.
Hobby Shops, Crafts, Artists Supply stores and Wholesale	14101	CPP	Yes	Yes	Less than 15% baseball cards.
Photographic Equipment Repair Shops	91555	CPP	Yes	Yes
Plaque shops and Wholesale	18911	CPP	Yes	Yes	Includes engraving.
Trophy Stores and Dealers and Wholesale	18911	CPP	Yes	Yes	Including engraving.
Aquariums and Supplies and Wholesale	16403	CPP	Yes	Yes	Ceramic tile or stone installation should be separately classified and rated as Tile, Stone, Marble, Mosaic or Terrazzo Interior - 99746.
Pet Stores and Wholesale	16403	CPP	Yes	Yes	Also see Aquariums and Supplies. No Kennels, less than 25% grooming, no boarding, no breeding.
Pet Supplies, Foods, and Wholesale	16403	CPP	Yes	Yes	Also see Aquariums and Supplies. No Pet Shops.
Tropical Fish	16403	CPP	Yes	Yes	No dangerous fish. No wholesale.
Air Conditioning/Heating Parts and Supplies and Wholesale.	10010	CPP	Yes	Yes	Household, less than 25% rental, no installation.
Answering Services	61224	CPP	Yes	Yes	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.
Printing Supplies	10309	CPP	Yes	Yes
Telephone Stores Incl. Wholesale	11160	CPP	Yes	Yes
Luggage Stores and Wholesale	12362	CPP	Yes	Yes	Less than 25% repair.
Tile (Ceramic) Dealers and Wholesale	12797	CPP	Yes	Yes	Less than 25% installation.
Tile Stores and Wholesale	12805	CPP	Yes	Yes
Electrical Parts and Accessories	13716	CPP	Yes	Yes	Less than 25% rental, products must be U.L. listed.
Vitamin, Food Supplements, and Wholesale	13720	CPP	Yes	Yes
Painting, Picture or Frame Stores	15993	CPP	Yes	Yes
Picture Frame Shops and Wholesale	15993	CPP	Yes	Yes
Plumbing Supply Store	16527	CPP	Yes	Yes	Less than 25% installation and rental; less than 15% used parts. No wholesale.
Printers or Electrotypers Supplies Distributor	16588	CPP	Yes	Yes
Office Supplies	18335	CPP	Yes	Yes	Less than 25% installation. No wholesale.
Religious Goods Stores and Wholesale	18437	CPP	Yes	Yes
School Supply Stores and Wholesale	18437	CPP	Yes	Yes
Mail Order House	45900	CPP	Yes	Yes	No tools, no sporting goods, no adult books or magazines, no drugs
Ceramic Shops Incl. Wholesale	61224	CPP	Yes	Yes
Clock and Watch Repair Service	91555	CPP	Yes	Yes	Less than 15% antiques.
Apartments	60010	CPP	Yes	Yes	other than garden apartments (see Habitational guidelines)
Apartments - Garden	60011	CPP	Yes	Yes	single or multiple buildings not exceeding 2 stories in height that have common management, control and community facilities. (see Habitational guidelines)
Apartment Hotels - less than 4 stories	60015	CPP	Yes	Yes	Guest rooms limited to 15% of total units in the apartment building
Automobile Renting or Leasing Cos.	60035	Ineligible	No	No	7 employees or less should be written in the SKP program. Must be licensed
Condominium-Office (Association Risk Only)	62000	CPP	Yes	Yes
Boarding or Rooming Houses	61000	Ineligible	No	No
Buildings or Premises - Bank or Office, Mercantile or Manufacturing - Lessors Risk Only	61216	CPP	Yes	Yes
Buildings or Premises - Bank or Office, Mercantile or Manufacturing - Maintained by the Insured - Lessors Risk Only	61217	CPP	Yes	Yes
Office Buildings - Lessor's Risk Only	61217	CPP	Yes	Yes	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.
Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - maintained by the insured -Not-For-Profit only	61218	CPP	Yes	Yes
Buildings or Premises - bank and other financial institutions	61223	CPP	Yes	Yes
Architects	61224	CPP	Yes	Yes	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
Buildings or Premises - Office, Premises Occupied by Employees of the Insured	61224	CPP	Yes	Yes	Habitational exposure acceptable.
Buildings or Premises - office - premises occupied by employees of the insured - Not-For-Profit only	61225	CPP	Yes	Yes
Buildings or Premises - office - Other than Not-For-Profit	61226	CPP	Yes	Yes
Buildings or Premises - office - Not-For-Profit only	61227	CPP	Yes	Yes
Dwelling - one family (lessors risk)	63010	CPP	Yes	Yes	Eligible when part of a larger property schedule. See Habitational Guidelines.
Dwelling - two family (lessors risk)	63011	CPP	Yes	Yes	Eligible when part of a larger property schedule. See Habitational Guidelines.
Dwelling - three family (lessors risk)	63012	CPP	Yes	Yes
Dwelling - four family (lessors risk)	63013	CPP	Yes	Yes
Exhibition or Convention Buildings - Other than Not-For-Profit	63215	Ineligible	No	No
Exhibition or Convention Buildings - Not-For-Profit only	63216	Ineligible	No	No
Labor Union Offices	65007	Ineligible	No	No
Accountants/CPA	61224	CPP	Yes	Yes	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.
Insurance Agents	45334	CPP	Yes	Yes	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.
Travel Agencies	49333	CPP	Yes	Yes	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.
Bookkeeping Service	61224	CPP	Yes	Yes	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.
Miscellaneous Office	61224	CPP	Yes	Yes	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.
Mortgage Brokers	61224	CPP	Yes	Yes	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.
Secretarial Service	61224	CPP	Yes	Yes	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.
Telephone Answering Services	61224	CPP	Yes	Yes	See also Answering Services. No Telemarketing.
Typing Service	61224	CPP	Yes	Yes	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 profit	66122	CPP	Yes	Yes	Use Concrete class 91560 for poured concrete
Dentists	66561	CPP	Yes	Yes	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.
Medical Billing Services	66561	CPP	Yes	Yes	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 Veterinarians	66561	CPP	Yes	Yes	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.
Opticians	66561	CPP	Yes	Yes	Professional Liability Coverage is available as an option.
Appraisal and Inspection Services	96317	CPP	Yes	Yes	Ineligible: Razor or barbed wire fencing Penal work Highway guard rails Electric fencing Concrete site fencing
Inspection and Appraisal Companies - Inspecting for Insurance Valuation	96317	CPP	Yes	Yes	Professional Liability required, not offered by AE.
Real Estate Agents	47050	CPP	Yes	Yes	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.
Attorneys / Lawyers - not for profit only	66123	CPP	Yes	Yes
Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit	61212	CPP	Yes	Yes
Buildings or Premises - office - premises occupied by employees of the insured - Other than Not-For-Profit	61224	CPP	Yes	Yes	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.
Word Processing Services	61224	CPP	Yes	Yes	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.
Veterinarians - or Veterinary Hospitals	99851	CPP	Yes	Yes	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.
Libraries	66309	CPP	Yes	Yes	Not municipal.
Shelters, Mission, Settlement or Halfway Houses - Not Church or Office Buildings	67017	Ineligible	No	No
Schools	67512	Ineligible	No	No
Shopping Centers - Indoor Malls-Buildings or Premises Not Occupied by the Insured - Lessors Risk Only	67634	CPP	Yes	Yes
Shopping Centers - Buildings or Premises Not Occupied by the Insured - Lessors Risk Only	67635	CPP	Yes	Yes	Strip Mall type only.
Taxicab companies	68001	Ineligible	No	No
Ticket Agencies	68439	CPP	Yes	Yes
Townhouses or Similar Associations (Association Risk Only)	68500	CPP	Yes	Yes	2 units or more.
Vacant Buildings - factories	68604	Ineligible	No	No
Vacant Buildings - Not Factories	68605	Ineligible	No	No
Vacant Buildings - not factories - Other than Not-For-Profit	68606	Ineligible	No	No
Vacant Buildings - not factories - Not-For-Profit only	68607	Ineligible	No	No
Warehouses - occupied by multiple interests (lessor's risk only)	68702	Ineligible	No	No
Warehouses - occupied by single interest (lessor's risk only)	68703	Ineligible	No	No
Warehouses - private - Other than Not-For-Profit	68706	Ineligible	No	No
Warehouses - private - Not-For-Profit only	68707	Ineligible	No	No
Condominium-Residential (Association Risk Only)	62003	CPP	Yes	Yes	Must be 2 units or more to be eligible for BOP or CPP. Must be less then 5 stories to be eligible for BOP.
Bagel Shops (With Cooking) and Wholesale	11288	CPP	Yes	Yes	No deep fat frying. Must comply with NFPA Code 96.
Baked Goods Store (No Cooking) - Wholesale	12361	CPP	Yes	Yes
Cookie Stand (Includes Muffins)	18435	CPP	Yes	Yes	Includes baking, no other cooking.
Bakeries (Including Deep Fat Frying) and Wholesale	18436	CPP	Yes	Yes	Must comply with NFPA Code 96.
Bakeries (No Deep Fat Frying) and Wholesale	18436	CPP	Yes	Yes	Must comply with NFPA Code 96.
Bakery Plants	51315	CPP	Yes	Yes	Must comply with NFPA Code 96.
Barber Shops	10113 *	CPP	Yes	Yes	Professional Liability Coverage is available under BOP. No electrolysis, tanning, hair implants or exercising/slenderizing servies. No spa services.
Beauty Parlor and Hair Styling Salons	10115 *	CPP	Yes	Yes	No electrolysis, tanning, hair implants or exercising/slenderizing servies. No spa services.
Dental Labs	66561	CPP	Yes	Yes	Professional Liability required, not offered by AE.
Medical or X-Ray Labs	66561	CPP	Yes	Yes	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.
Laundry and Dry Cleaning or Dyeing Receiving Stations	14732	CPP	Yes	Yes	No 24 hour operations. Must be attended.
Photocopying	11222	CPP	Yes	Yes	No 24 hour operations.
Engraving and Photoengraving Services	52660	CPP	Yes	Yes
Lithographers Including Supplies	14101	CPP	Yes	Yes
Funeral Homes or Chapels	43889	Ineligible	No	No
Business Forms and Systems - Wholesale	12362	CPP	Yes	Yes
Microfilming Service, Equipment and Supplies	11222	CPP	Yes	Yes
Photographers	16471	CPP	Yes	Yes	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)	16471	CPP	Yes	Yes	No aerial work.
Copying or Duplicating Services - Retail	11222	CPP	Yes	Yes	No 24 hour operations.
Printers	16588	CPP	Yes	Yes	Professional Liability Coverage is available. No 24 hour operations.
Computer Parts and Supplies and Wholesale	12362	CPP	Yes	Yes
Stereo and Hi-Fi Equipment (Service and Repair) and Wholesale	99650	CPP	Yes	Yes	Burglar Alarm required
Television or Radio Installation or Repair	99650	CPP	Yes	Yes	No installation in automobiles.
Shoe Repairing	18109	CPP	Yes	Yes	Shoe Stores separately rated
Beauty/Barber Supplies and Wholesale	10111	CPP	Yes	Yes	Less than 25% installation-no products sold under insured`s own label; no sales of exercise or tanning equipment, no tanning.
Nail Salons	15600	Ineligible	No	No
Bridal Shops and Tuxedos Incl. Wholesale	11126	CPP	Yes	Yes	Including rentals.
Clothing or Wearing Apparel Stores	11127	CPP	Yes	Yes
Embroidery and Wholesale	12509	CPP	Yes	Yes	Including screen printing, no garment contracting.
Clothing Repair Shops or Tailors (Including Tailoring) and Wholesale	18507	CPP	Yes	Yes
Tailor or Dressmaking Establishments - Custom	18507	CPP	Yes	Yes
Boutiques and Wholesale	18911	CPP	Yes	Yes
Taxidermists	71976	CPP	Yes	Yes
Catalog or Premium Coupon Redemption Stores, incl. wholesale	11020	CPP	Yes	Yes
Water Filtration and Purification	74111	CPP	Yes	Yes	Household only. Less than 15% chemical sales.
Word Processing Equipment & Supplies	91555	CPP	Yes	Yes	Less than 25% rental.
Water Softening and Conditioning Equipment (Including Service and Supplies)	99948	CPP	Yes	Yes
Door Window or Assembled Millwork Dealer and Wholesaler	10257	CPP	Yes	Yes	No installation.
Wallpaper and Wall Coverings	15991	CPP	Yes	Yes	Less than 25% installation.
Advertising Sign Companies Outdoor	90089	CPP	Yes	Yes	Ineligible - Use of cherry pickers or cranes to hang signs by or above roadways or highways
Air Conditioning Systems or Equipment Dealers or distributors and Installation servicing or repair	91111	Ineligible	No	No
Airport Runway or Warming Apron - paving or repaving, surfacing, resurfacing or scraping	91125	Ineligible	No	No
Alarms and Alarm Systems - installation, servicing or repair	91127	Ineligible	No	No
Alarms - security systems - monitoring	91130	Ineligible	No	No
Analytical Chemists	91135	Ineligible	No	No
Appliances and Accessories Installation, servicing or repair - Commercial	91150	Ineligible	No	No	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
Appliances and Accessories - installation, servicing or repair - household	91155	SKP	Yes	Yes	Ineligible: Hazardous material abatement
Automobile Dismantling	91190	Ineligible	No	No	Ineligible: Bridge work Traffic and road marking Sand blasting or burn operations Rental of scaffolding to othersLead paint abatement
Blacksmithing	91200	CPP	Yes	Yes	Welding operations shall be separately classified and rated under 99969 Ineligible: Any shops not well ventilated Use of old iron that includes lead
Blasting Operations	91210	Ineligible	No	No
Boat Repair and Servicing	91235	Ineligible	No	No
Boiler Inspection, Installation, Cleaning or Repair	91250	Ineligible	No	No
Bridge or Elevated Highway Construction - iron or steel	91265	Ineligible	No	No
Bridge or Elevated Highway Construction - concrete	91266	Ineligible	No	No
Building Structure - raising or moving	91280	Ineligible	No	No
Cable Installation in Conduits or Subways	91302	Ineligible	No	No
Cable or Subscription Television Companies	91315	Ineligible	No	No
Caisson or Cofferdam Work - foundations for buildings	91324	Ineligible	No	No
Caisson or Cofferdam Work - not foundations for buildings	91325	Ineligible	No	No
Carpentry residential not exceeding three (3) stories in height	91340	Ineligible	No	No	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 Interior	91341	Ineligible	No	No	Do not use for contractors engaged in any other carpentry operations at the same job or location.
Carpentry - NOC	91342	SKP	Yes	Yes	Ineligible Structural work for new residential construction
Carpentry Shop only	91343	CPP	Yes	Yes	Building material dealers (use dealer class) Home improvement stores (use different class) Ineligible: Installation exposures under this code Lumberyards
Carpet, Rug, Furniture or Upholstery Cleaning - on customers' premises	91405	SKP	Yes	Yes	Ineligible: Doormat & rug rental and service
Ceiling or Wall Installation Metal	91436	Ineligible	No	No	Ineligible: hazardous material abatement
Chimney Cleaning	91481	Ineligible	No	No	No roofing allowed within this class
Clay or Shale Digging	91507	Ineligible	No	No
Cleaning outside surfaces of buildings	91523	Ineligible	No	No	If the cleaning is done as part of another operation, then those cleaning operations shall be included in the governing classification Ineligible: Sandblasting
Commissary Work	91547	CPP	Yes	Yes	Construction class must also be eligible to write the commissary class
Communication Equipment Installation - industrial or commercial	91551	Ineligible	No	No
Computer Service or Repair	91555	CPP	Yes	Yes	If any sales, class under Computer Stores
Concrete Construction	91560	SKP	Yes	Yes	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 only	91562	Ineligible	No	No
Conduit Construction for Cables or Wires	91577	Ineligible	No	No
Contractors Executive supervisors or executive superintendents	91580	Ineligible	No	No
Contractors - subcontracted work - in connection with construction, reconstruction, erection or repair - not buildings	91581	SKP	Yes	Yes	Subcontractor cost limited to 20% of sales under SKP, and 50% of sales for CPP
Contractors Permanent Yards	91590	Ineligible	No	No
Contractors subcontracted work other than construction-related work	91591	Ineligible	No	No
Crop Spraying - by contractors	91606	Ineligible	No	No
Dam or Reservoir Construction	91618	Ineligible	No	No
Debris Removal Construction site	91629	Ineligible	No	No
Dike, Levee or Revetment Construction	91641	Ineligible	No	No
Door, Window or Assembled Millwork Installation Metal	91746	Ineligible	No	No
Draftsmen	91805	Ineligible	No	No
Drilling - other than water	92101	Ineligible	No	No
Drilling - water	92102	CPP	Yes	Yes	Ineligible: Oil or gas well drilling New Ventures; Drill rigs not eligible for Commercial Auto
Driveway, Parking Area or Sidewalk - paving or repaving	92215	SKP	Yes	Yes	Ineligible: Road Construction or paving Filling or grading of land (unless within this class) Bridge construction Earth or rock excavation
Drywall or Wallboard Installation	92338	SKP	Yes	Yes	Ineligible: Hazardous material abatement
Electrical Apparatus Installation, servicing or repair	92451	Ineligible	No	No
Electrical Work - within buildings	92478	SKP	Yes	Yes	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
Elevator or Escalator Inspecting, Installation, Servicing or Repair	92593	Ineligible	No	No
Engineers or Architects-Consulting - Not Engaged in Actual Construction	92663	Ineligible	No	No
Excavation	94007	Ineligible	No	No
Express Companies	94099	Ineligible	No	No
Farm Machinery Operations - by contractors	94225	Ineligible	No	No
Fence Erection Contractors	94276	SKP	Yes	Yes	Ineligible: Razor or barbed wire fencing Penal work Highway guard rails Electric fencing Concrete site fencing
Fire Extinguishers - servicing, refilling or testing	94304	Ineligible	No	No
Fire Suppression Systems -installation, servicing or repair	94381	Ineligible	No	No
Fireproofing - structures	94404	Ineligible	No	No
Remodelers	94444	Ineligible	No	No
Floor Covering Installation - not ceramic tile or stone	94569	SKP	Yes	Yes	Ceramic tile or stone installation should be separately classified and rated as Tile, Stone, Marble, Mosaic or Terrazzo Interior - 99746.
Floor Waxing	94590	Ineligible	No	No
Furniture or Fixtures Installation in offices or stores Portable metal or wood	95124	Ineligible	No	No
Garbage, Ash or Refuse Collecting	95233	Ineligible	No	No
Gas Companies	95305	Ineligible	No	No
Gas Companies - natural gas - local distribution	95306	Ineligible	No	No
Gas Mains or Connections Construction	95310	Ineligible	No	No
Geophysical Exploration - other	95357	Ineligible	No	No
Geophysical Exploration - seismic method	95358	Ineligible	No	No
Grading of Land	95410	Ineligible	No	No
Grain Elevator Operations	95455	Ineligible	No	No
Greenhouse Erection	95487	Ineligible	No	No
Guniting or Shot-crete	95505	Ineligible	No	No
Gunsmiths	95620	Ineligible	No	No
Handyperson	95625	Ineligible	No	No
Hazardous Material Contractors	95630	Ineligible	No	No
Heating or Combined Heating and Air Conditioning Systems or Equipment - dealers or distributors and installation, servicing or repair - no liquefied petroleum gas (LPG) equipment sales or work	95647	SKP	Yes	Yes	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/repair	95648	SKP	Yes	Yes	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
House Furnishings Installation	96053	SKP	Yes	Yes	Ineligible: Furniture/household moving Alarm installation Furniture repair use 53734 Appliance installation
Insulation Work - plastic	96408	Ineligible	No	No
Insulation Work - organic or plastic in solid state	96409	Ineligible	No	No
Insulation Work - mineral	96410	Ineligible	No	No
Interior Decorators	96611	SKP	Yes	Yes	Class does not contemplate any construction, installation, or repair work.
Irrigation or Drainage System Construction	96702	Ineligible	No	No
Irrigation Works Operations	96703	Ineligible	No	No
Janitorial Services	96816	Ineligible	No	No
Jetty or Breakwater Construction	96872	Ineligible	No	No
Web Site Designers	96930	Ineligible	No	No
Landscape Gardening	97047	SKP	Yes	Yes	Lawn sprinkler installation class under residential plumbing class 98483, for lawn care services use 97050 Ineligible: No excavation Tree care (arbor services) No Snowplowing
Lawn Care Services	97050	SKP	Yes	Yes	For landscape gardening use 97047 Lawn sprinkler installation class under residential plumbing class 98483 Ineligible: Excavation Tree care (arbor services) Snowplowing
Logging and Lumbering	97111	CPP	Yes	Yes	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
Machine Shop, NOC	97220	CPP	Yes	Yes	No Products.
Machinery or Equipment - farm - installation, servicing, repair or erection	97221	Ineligible	No	No
Machinery or Equipment - industrial - installation, servicing or repair	97222	Ineligible	No	No
Machinery or Equipment - installation, servicing or repair	97223	Ineligible	No	No
Marine Appraisers or Surveyors	97308	Ineligible	No	No
Masonry	97447	SKP	Yes	Yes	Use Concrete class 91560 for poured concrete
Solar Energy Systems - Existence Hazard only (owner-operated)	97501	Ineligible	No	No
Solar Energy Systems - Existence Hazard only (lessor's risk only)	97502	Ineligible	No	No
Wind Tubines - Existence Hazard only (owner-operated)	97503	Ineligible	No	No
Wind Turbines - Existence Hazard only (lessor's risk only)	97504	Ineligible	No	No
Metal Erection Decorative or artistic	97650	Ineligible	No	No	Ineligible: If window guards are sold, repaired, or installed
Mining	98002	Ineligible	No	No
Mining - surface	98003	Ineligible	No	No
Office Machines or Appliances - installation, inspection, adjustment or repair	98111	SKP	Yes	Yes	Ineligible: Manufacturing or process control workHospitals or emergency facilities Fire or burglar monitoring Computer consulting work
Orchards and Vineyards - operation by contractors	98257	Ineligible	No	No
Painting - exterior - buildings or structures - exceeding three stories in height	98303	Ineligible	No	No
Painting - exterior - buildings or structures - three stories or less in height	98304	SKP	Yes	Yes	Ineligible: Bridge work Traffic and road marking Sand blasting or burn operations Rental of scaffolding to othersLead paint abatement
Painting - interior - buildings or structures	98305	SKP	Yes	Yes	Ineligible: Rental of scaffolding to others Lead paint abatement
Painting - oil or gasoline tanks	98306	Ineligible	No	No
Painting - ship hulls	98307	Ineligible	No	No
Painting Shop Only	98308	CPP	Yes	Yes
Painting - steel structures or bridges	98309	Ineligible	No	No
Paperhanging	98344	SKP	Yes	Yes	Ineligible: Rental of scaffolding to others Lead paint abatement
Piano Tuning	98405	CPP	Yes	Yes	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.
Pipeline Construction - gas	98423	Ineligible	No	No
Pipeline Construction - other	98424	Ineligible	No	No
Pipeline Construction - oil	98425	Ineligible	No	No
Pipeline Construction - slurry - nonflammable mixtures	98426	Ineligible	No	No
Pipelines - operation - gas	98427	Ineligible	No	No
Pipelines - operation - other	98428	Ineligible	No	No
Pipelines - operation - oil	98429	Ineligible	No	No
Pipelines - operation - slurry - nonflammable mixtures	98430	Ineligible	No	No
Plastering or Stucco Work	98449	SKP	Yes	Yes	Ineligible: Exterior work over 3 stories EFIS and/or synthetic stucco
Plumbing Commercial and industrial	98482	Ineligible	No	No
Plumbing - residential or domestic	98483	SKP	Yes	Yes	7 employees or less should be written in the SKP program. Must be licensed
Prefabricated Building Erection	98502	Ineligible	No	No
Quarries	98555	Ineligible	No	No
Radio or TV Broadcasting Stations - Other than Not-For-Profit	98597	CPP	No	No
Radio or TV Broadcasting Stations - Not-For-Profit only	98598	Ineligible	No	No
Refrigeration Systems or Equipment - dealers and distributors and installation, servicing or repair - commercial	98636	SKP	Yes	Yes
Renovating - outside surfaces of buildings	98640	Ineligible	No	No
Rigging - not ship or boat	98658	Ineligible	No	No
Rigging - ship or boat	98659	Ineligible	No	No
Roofing Commercial	98677	Ineligible	No	No
Roofing Residential	98678	Ineligible	No	No
Salvage Operations	98698	Ineligible	No	No
Salvage Operations - removing, sorting, reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildings	98699	Ineligible	No	No
Sandblasting	98705	Ineligible	No	No
Sand or Gravel Digging	98710	Ineligible	No	No
Security and Patrol Agencies	98751	Ineligible	No	No
Septic Tank Systems Cleaning	98805	Ineligible	No	No
Septic Tank Systems - installation, servicing or repair	98806	Ineligible	No	No
Sewage Disposal - Plant operations	98810	Ineligible	No	No
Sewer Cleaning	98813	Ineligible	No	No
Sewer Mains or Connections Construction	98820	Ineligible	No	No
Shaft Sinking	98871	Ineligible	No	No
Sheet Metal Work Outside	98884	Ineligible	No	No
Ship Ceiling or Scaling	98914	Ineligible	No	No
Ship Repair or Conversion	98949	Ineligible	No	No
Siding Installation	98967	SKP	Yes	Yes	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 Repair	98993	CPP	Yes	Yes	Use of cherry pickers or cranes to hang signs by or above highways - Ineligible
Sign Painting or Lettering Inside of buildings	99003	Ineligible	No	No
Sign Painting or Lettering on Buildings or Structures	99004	Ineligible	No	No
Solar Energy Contractors	99080	Ineligible	No	No
Solar Energy Farms	99081	Ineligible	No	No
Wind Farms - on-shore	99082	Ineligible	No	No
Wind Farms - off shore	99083	Ineligible	No	No
Wind Turbine Contractors - Installation, Service or Repair - on-shore	99084	Ineligible	No	No
Wind Turbine Contractors - Installation, Service or Repair - off-shore	99085	Ineligible	No	No
Stables Boarding, livery or racing	99111	Ineligible	No	No
Steam Heating or Steam Power Companies	99160	Ineligible	No	No
Steam Mains or Connections Construction	99163	Ineligible	No	No
Steam Pipe or Boiler Insulation	99165	Ineligible	No	No
Stevedoring - Ineligible Classes	99220	Ineligible	No	No	Ineligible Codes: 99220, 99221, 99222, 99223
Street Cleaning	99303	Ineligible	No	No
Snow and Ice Removal - contractor	99310	Ineligible	No	No
Street or Road Construction or Reconstruction	99315	Ineligible	No	No
Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping	99321	Ineligible	No	No
Subway Construction	99445	Ineligible	No	No
Surveyors - land - not engaged in actual construction	99471	Ineligible	No	No
Swimming Pools Servicing	99505	Ineligible	No	No
Swimming Pools Installation or repair Above ground	99506	Ineligible	No	No
Swimming Pools - installation, servicing or repair - below ground	99507	Ineligible	No	No
Tank Construction, Installation, Erection or Repair - metal - not pressurized	99570	Ineligible	No	No
Tank Construction, Installation, Erection or Repair - metal - pressurized	99571	Ineligible	No	No
Tank Construction, Installation, Erection or Repair - metal - not pressurized - within buildings exclusively	99572	Ineligible	No	No
Tank Construction, Installation, Erection or Repair - metal - pressurized - within buildings exclusively	99573	Ineligible	No	No
Telecommunication Service Providers	99600	Ineligible	No	No
Telephone, Telegraph or Cable Television Line Construction	99613	Ineligible	No	No
Telegraph Companies	99614	Ineligible	No	No
Teleproduction Studios	99620	Ineligible	No	No
Television or Radio Receiving Set Installation or Repair	99650	Ineligible	No	No
Tent or Canvas Goods - erection, removal or repair - away from shop	99709	Ineligible	No	No
Theatrical Companies - traveling	99718	Ineligible	No	No
Tile, Stone, Marble, Mosaic or Terrazzo Work - interior construction	99746	SKP	Yes	Yes	Exterior construction work shall be separately classified and rated as Masonry 97447. Ineligible: New residential construction - Except for custom homes (no tract home developments)
Tobacco Rehandling or Warehousing	99760	Ineligible	No	No
Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating	99777	Ineligible	No	No
Truckers	99793	Ineligible	No	No
Tunneling	99798	Ineligible	No	No
Underpinning Buildings or Structures	99803	Ineligible	No	No
Upholstering	99826	CPP	Yes	Yes
Upholstering - shop only	99827	CPP	Yes	Yes
Warehouses	99938	Ineligible	No	No
Water Companies	99943	Ineligible	No	No
Water Mains or Connections Construction	99946	Ineligible	No	No
Water Softening Equipment Installation, service or repair	99948	Ineligible	No	No
Waterproofing - by pressure apparatus	99952	Ineligible	No	No
Waterproofing - by trowel - exterior	99953	Ineligible	No	No
Waterproofing - by trowel - interior or insulation work	99954	Ineligible	No	No
Waterproofing	99955	Ineligible	No	No
Weighers, Samplers or Inspectors of Merchandise - on vessels or docks or at railway stations or warehouses	99963	Ineligible	No	No
Welding or Cutting	99969	Ineligible	No	No
Window Cleaning	99975	Ineligible	No	No
Wrecking - buildings or structures	99986	Ineligible	No	No
Wrecking - dismantling of prefabricated dwellings not exceeding three stories for reerection	99987	Ineligible	No	No
Wrecking - marine	99988	Ineligible	No	No
Contractors - subcontracted work - INELIGIBLE CODES in connection with various types of construction, reconstruction, repair or erection	See Comments	Ineligible	No	No	Ineligible Codes: 91582, 91583, 91584, 91585, 91586, 91587, 91588, 91589
Dredging classes	various	Ineligible	No	No	Ineligible Codes: 92053, 92054, 92055
Food Products Manufacturing	Various	Ineligible	No	No
Metal Erection - ineligible classes	various	Ineligible	No	No	Ineligible Codes: 97651, 97652, 97653, 97654, 97655
Motion Pictures - Ineligible classes	various	Ineligible	No	No	Ineligible Codes: 98090, 98091, 98092
Oil or Gas - Ineligible Codes	various	Ineligible	No	No	Ineligible Codes: 98150 thru 98164
Pile Driving - Ineligible classes	various	Ineligible	No	No	Ineligible Codes: 98413, 98414, 98415
Railroad - Ineligible classes	various	Ineligible	No	No	Ineligible Codes: 98621, 98622, 98623, 98624

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