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Workers Compensation

A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection.
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    • 50010 Abrasive Wheel Manufacturing
    • 50015 Abrasives or Abrasive Products Manufacturing – artificial
    • 50017 Abrasives or Abrasive Products Manufacturing – NOC
    • 50045 Adhesive Manufacturing
    • 50047 Adhesive Tape Manufacturing
    • 40005 Adult Day Care
    • 40006 Adult Day Care
    • 90089 Advertising Sign Companies – outdoor
    • 51001 Aerosol Container Manufacturing
    • 51005 Aerosol Containers – filling or charging for others
    • 51116 Air Conditioning Equipment Manufacturing
    • 10010 Air Conditioning Equipment – dealers or distributors only
    • 91111 Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair
    • 51201 Aircraft or Aircraft Parts Manufacturing
    • 40020 Airport Control Towers – not operated exclusively by the Civil Aeronautics Authority
    • 91125 Airport Runway or Warming Apron – paving or repaving, surfacing, resurfacing or scraping
    • 40026 Airport – lessees of portions of airports engaged in the sale of aircraft or accessories, servicing or repairing of aircraft, or pilot instructions
    • 40010 Airports – commercial
    • 40015 Airports – private
    • 51205 Alarm Manufacturing – burglar
    • 51206 Alarm Manufacturing – fire or smoke
    • 91127 Alarms and Alarm Systems – installation, servicing or repair
    • 91130 Alarms – security systems – monitoring
    • 51210 Alcohol Manufacturing – not beverage
    • 40031 Ambulance Service, First Aid or Rescue Squads
    • 40032 Ambulance Service, First Aid or Rescue Squads
    • 51211 Ammunition Manufacturing
    • 10015 Amusement Centers
    • 40040 Amusement Devices – NOC
    • 40041 Amusement Devices – operated in connection with carnivals or fairs
    • 40042 Amusement Devices – operated in connection with carnivals or fairs
    • 10020 Amusement Parks
    • 91135 Analytical Chemists
    • 10036 Anhydrous Ammonia Dealers and Distributors
    • 40045 Animals – draft
    • 40046 Animals – saddle – for rent
    • 40047 Animals – saddle – private
    • 10026 Antique Stores
    • 60010 Apartment Buildings
    • 60013 Apartment Buildings or Hotels – time-sharing – 4 stories or more
    • 60012 Apartment Buildings or Hotels – time-sharing – less than 4 stories
    • 60011 Apartment Buildings – garden
    • 60016 Apartment Hotels – 4 stories or more
    • 60015 Apartment Hotels – less than 4 stories
    • 10040 Appliance Distributors – household type
    • 10042 Appliance Stores – household type
    • 51220 Appliances and Accessories Manufacturing – commercial – gas
    • 51221 Appliances and Accessories Manufacturing – commercial – not gas
    • 51222 Appliances and Accessories Manufacturing – household – gas
    • 51224 Appliances and Accessories Manufacturing – household – not gas
    • 91150 Appliances and Accessories – installation, servicing or repair – commercial
    • 91155 Appliances and Accessories – installation, servicing or repair – household
    • 10052 Archery Ranges – indoor
    • 10054 Archery Ranges – NOC
    • 91160 Armored Car Service Companies
    • 10060 Army and Navy Stores
    • 10065 Art Galleries
    • 10066 Art Galleries
    • 51230 Asbestos Goods Manufacturing
    • 51240 Asphalt or Tar Distilling or Refining
    • 51241 Asphalt Works
    • 40059 Athletic Games Sponsored by the Insured
    • 40061 Athletic Games Sponsored by the Insured
    • 40063 Athletic or Sports Contests – in buildings – lessees
    • 40064 Athletic or Sports Contests – in buildings – lessees
    • 40066 Athletic Programs – amateur
    • 40067 Athletic Programs – amateur
    • 40069 Athletic Teams – professional or semiprofessional
    • 91175 Auctioneers – livestock – sales conducted away from the insureds premises
    • 91177 Auctioneers – sales conducted away from the insureds premises
    • 91179 Auctions – on premises owned or rented by the insured
    • 91190 Automobile Dismantling
    • 51255 Automobile Manufacturing or Assembling
    • 10070 Automobile Parts and Supplies Distributors
    • 10071 Automobile Parts and Supplies Stores
    • 10072 Automobile Quick Lubrication Services
    • 60035 Automobile Renting or Leasing Companies
    • 10073 Automobile Repair or Service Shops – NOC
    • 10075 Automobile Repair Shops – self-service
    • 51250 Automobile, Bus and Truck Body Manufacturing
    • 51251 Automobile, Bus or Truck Parts Manufacturing – brakes or brake linings
    • 51252 Automobile, Bus or Truck Parts Manufacturing – not operating parts
    • 51253 Automobile, Bus or Truck Parts Manufacturing – operating parts
    • 51254 Automobile, Bus or Truck Parts Manufacturing – passenger restraining devices
    • 51300 Baby Food Manufacturing – in glass containers
    • 51305 Baby Food Manufacturing – NOC
    • 10100 Bakeries
    • 51315 Bakery Plants
    • 10111 Barber or Beauty Shop Supplies Distributors
    • 10113 Barber Shops
    • 10120 Bathhouses or Bathing Pavilions
    • 51330 Battery Manufacturing – dry cell
    • 51333 Battery Manufacturing – wet cell or storage
    • 10130 Bazaars – operated by the insured
    • 10132 Bazaars – operated by the insured
    • 10133 Beach Chairs and Umbrellas – rented to others
    • 10135 Beaches – bathing – commercially operated
    • 40072 Beaches – bathing – not commercially operated
    • 51340 Bearing Manufacturing
    • 10115 Beauty Parlors and Hair Styling Salons
    • 51350 Beer, Ale or Malt Liquor Manufacturing – in bottles
    • 51351 Beer, Ale or Malt Liquor Manufacturing – in cans
    • 51352 Beer, Ale or Malt Liquor Manufacturing – not bottled or canned
    • 51355 Beverage Bottler – soft drinks – carbonated – in cans or plastic bottles
    • 51356 Beverage Bottler – soft drinks – carbonated – in glass bottles
    • 51357 Beverage Bottler – soft drinks – in metal cylinders
    • 51358 Beverage Bottler – soft drinks – in paper containers
    • 51359 Beverage Bottler – soft drinks – not carbonated – in bottles or cans
    • 10140 Beverage Distributors – alcoholic other than beer
    • 10141 Beverage Distributors – nonalcoholic and beer
    • 10145 Beverage Stores – liquor and wine
    • 10146 Beverage Stores – soft drinks and beer
    • 51370 Bicycle Manufacturing – not motorized
    • 10150 Bicycle Stores – sales and servicing
    • 10151 Bicycles – rented to others
    • 10160 Billiard or Pool Halls
    • 51380 Billiard or Pool Table Manufacturing
    • 40075 Bingo Games – in public halls or theaters – commercially operated
    • 91200 Blacksmithing
    • 91210 Blasting Operations
    • 40101 Blood Banks
    • 40102 Blood Banks
    • 61000 Boarding or Rooming Houses
    • 10101 Boat Dealers
    • 51400 Boat or Ship Building – inboard and inboard/outboard
    • 51401 Boat or Ship Building – without motors
    • 91235 Boat Repair and Servicing
    • 10105 Boat Storage and Moorage
    • 10107 Boat Yards or Marinas – public
    • 10110 Boats – canoes or rowboats – for rent – not equipped with motors
    • 40111 Boats – canoes or rowboats – not for rent – not equipped with motors
    • 40115 Boats – motor or sail – not for rent
    • 10117 Boats – motor or sail – rented to others
    • 40117 Boats – NOC – not for rent
    • 10119 Boats – NOC – rented to others
    • 40140 Boats – non-owned over 26 feet
    • 91250 Boiler Inspection, Installation, Cleaning or Repair
    • 51500 Bolt, Nut, Rivet, Screw or Washer Manufacturing
    • 10204 Book and Magazine Stores
    • 10205 Book and Magazine Stores
    • 51516 Bookbinding
    • 51517 Bookbinding
    • 51551 Bottle and Jar Manufacturing – glass – for use under pressure – nonreturnable
    • 51552 Bottle and Jar Manufacturing – glass – for use under pressure – returnable
    • 51550 Bottle and Jar Manufacturing – glass – not for use under pressure
    • 51553 Bottle and Jar Manufacturing – plastic – nonreturnable
    • 51554 Bottle and Jar Manufacturing – plastic – returnable
    • 10220 Bowling Lanes
    • 51575 Boxes or Containers Manufacturing – corrugated or fiber board
    • 51576 Boxes or Containers Manufacturing – wood
    • 41001 Boy or Girl Scout Councils
    • 51600 Brick Manufacturing
    • 91266 Bridge or Elevated Highway Construction – concrete
    • 91265 Bridge or Elevated Highway Construction – iron or steel
    • 51613 Brush or Broom Manufacturing
    • 10255 Building Material Dealers
    • 10256 Building Material Dealers – secondhand material
    • 10257 Building Material Distributors
    • 91280 Building Structure – raising or moving
    • 61223 Buildings or Premises – Bank
    • 61212 Buildings or Premises – bank or office – mercantile or manufacturing (lessor’s risk only)
    • 61216 Buildings or Premises – bank or office – mercantile or manufacturing (lessor’s risk only)
    • 61217 Buildings or Premises – bank or office – mercantile or manufacturing – maintained by the insured (lessor’s risk only)
    • 61218 Buildings or Premises – bank or office – mercantile or manufacturing – maintained by the insured (lessor’s risk only)
    • 61226 Buildings or Premises – bank or office – NOC
    • 61227 Buildings or Premises – bank or office – NOC
    • 61224 Buildings or Premises – bank or office – premises primarily occupied by employees of the insured
    • 61225 Buildings or Premises – bank or office – premises primarily occupied by employees of the insured
    • 51625 Bus Manufacturing or Assembling or Reconstructing
    • 41210 Bus Stations or Terminals
    • 51666 Buttons or Fasteners Manufacturing
    • 91302 Cable Installation in Conduits or Subways
    • 91315 Cable or Subscription Television Companies
    • 91324 Caisson or Cofferdam Work – foundations for buildings
    • 91325 Caisson or Cofferdam Work – not foundations for buildings
    • 10309 Camera and Photographic Equipment Stores
    • 51702 Camper Bodies or Camper Trailers Manufacturing
    • 10315 Camper or Travel Trailer Sales Agencies
    • 51703 Campers Manufacturing – self-powered
    • 10331 Campgrounds
    • 10332 Campgrounds
    • 41421 Camps – for profit
    • 41422 Camps – not for profit
    • 51734 Can Manufacturing – metal
    • 51741 Candle Manufacturing
    • 51752 Candy or Confectionery Products Manufacturing
    • 10352 Candy or Confectionery Stores
    • 10367 Car Washes
    • 10368 Car Washes – self-service
    • 51767 Carbon Paper or Inked Ribbon Manufacturing
    • 10375 Carnival or Circus Companies
    • 10380 Carnivals or Circuses – in tents (sponsor’s risk only)
    • 10381 Carnivals or Circuses – in tents (sponsor’s risk only)
    • 10378 Carnivals – outside (sponsor’s risk only)
    • 10379 Carnivals – outside (sponsor’s risk only)
    • 91340 Carpentry – construction of residential property not exceeding three stories in height
    • 91341 Carpentry – interior
    • 91342 Carpentry – NOC
    • 91343 Carpentry – shop only
    • 51777 Carpet or Rug Manufacturing
    • 11007 Carpet, Rug or Upholstery Cleaning – shop only
    • 91405 Carpet, Rug, Furniture or Upholstery Cleaning – on customer’s premises
    • 11020 Catalog or Premium Coupon Redemption Stores
    • 11039 Caterers
    • 51790 Caulking Compounds, Putty or Similar Products Manufacturing
    • 41510 Caves – tourist attraction
    • 91436 Ceiling or Wall Installation – metal
    • 51796 Cellophane and Cellophane Products Manufacturing
    • 51809 Cement or Plaster Manufacturing – bulk
    • 51808 Cement, Concrete Mix or Plaster Manufacturing – packaged
    • 41603 Cemeteries
    • 41604 Cemeteries
    • 11052 Chairs – rented to others
    • 51833 Charcoal or Coal Briquette Manufacturing
    • 11101 Chemical Distributors
    • 51850 Chemicals Manufacturing – commercial or industrial – NOC
    • 51852 Chemicals Manufacturing – commercial or industrial – primarily flammable, explosive of reactive – NOC
    • 51853 Chemicals Manufacturing – commercial or industrial – primarily toxic or presenting a health hazard – NOC
    • 51851 Chemicals Manufacturing – commercial or industrial – toxic and either flammable, explosive or reactive – NOC
    • 51855 Chemicals Manufacturing – household – NOC
    • 51856 Chemicals Manufacturing – household – primarily flammable, explosive or reactive – NOC
    • 51857 Chemicals Manufacturing – household – primarily toxic or presenting a health hazard – NOC
    • 51854 Chemicals Manufacturing – household – toxic and either flammable, explosive or reactive – NOC
    • 11120 Children’s Playcenters – indoor
    • 91481 Chimney Cleaning
    • 51869 China, Porcelain or Earthenware Manufacturing
    • 41650 Churches or Other Houses of Worship
    • 91507 Clay or Shale Digging
    • 51877 Clay Products Manufacturing
    • 91523 Cleaning – outside surfaces of buildings
    • 51889 Clock Manufacturing
    • 51896 Clothing Manufacturing
    • 11126 Clothing or Wearing Apparel Distributors
    • 11127 Clothing or Wearing Apparel Stores
    • 11128 Clothing or Wearing Apparel Stores
    • 41667 Clubs – civic, service or social – having buildings or premises owned or leased
    • 41668 Clubs – civic, service or social – having buildings or premises owned or leased
    • 41669 Clubs – civic, service or social – no buildings or premises owned or leased except for office purposes
    • 41670 Clubs – civic, service or social – no buildings or premises owned or leased except for office purposes
    • 11138 Clubs – country or golf
    • 41664 Clubs – horseback riding – no commercial riding instructions
    • 41665 Clubs – racquet sports and handball
    • 41666 Clubs – swimming
    • 51900 Coffins or Casket Manufacturing
    • 51909 Coke Manufacturing
    • 11155 Collectibles and Memorabilia Stores
    • 51919 Color or Pigment Preparation
    • 91547 Commissary Work
    • 91551 Communication Equipment Installation – industrial or commercial
    • 51926 Communication or Recording Systems or Equipment Manufacturing – industrial or commercial
    • 51927 Communication or Recording Systems or Equipment Manufacturing – NOC
    • 41678 Community Recreational Facilities
    • 51934 Composition Goods Manufacturing – not floor coverings
    • 41675 Computer Consulting or Programming
    • 43151 Computer Data Processing Operations
    • 43152 Computer Data Processing – time-sharing
    • 51941 Computer Manufacturing
    • 91555 Computer Service or Repair
    • 51942 Computer Software Manufacturing – pre-packaged
    • 11160 Computer Stores
    • 11168 Concessionaires
    • 11167 Concessionaires – check room, shoeshine, or toilet concessions in hotels, restaurants, railroad stations, etc.
    • 91560 Concrete Construction
    • 91562 Concrete or Cement Distributing Towers – rented to others – installation, repair or removal operations only
    • 51957 Concrete or Plaster Products Manufacturing – not structural
    • 51958 Concrete Products Manufacturing – prestressed
    • 51959 Concrete Products Manufacturing – structural – NOC
    • 51956 Concrete – mixed in transit
    • 62002 Condominiums – commercial warehouses – manufacturing or private (association risk only)
    • 62000 Condominiums – commercial – bank or mercantile, manufacturing or office (association risk only)
    • 62001 Condominiums – commercial – shopping centers (association risk only)
    • 62003 Condominiums – residential – (association risk only)
    • 91577 Conduit Construction for Cables or Wires
    • 91600 Construction or Project Manager
    • 41677 Consultants – NOC
    • 51960 Contact Lens Manufacturing
    • 94444 Contractors NOC
    • 91590 Contractors Permanent Yards – maintenance or storage of equipment or material
    • 91580 Contractors – executive supervisors or executive superintendents
    • 91588 Contractors – subcontracted work – in connection with bridge, tunnel or elevated street or highway construction, reconstruction or repair.
    • 91582 Contractors – subcontracted work – in connection with building construction, reconstruction, repair or erection – apartment or office buildings over 4 stories
    • 91583 Contractors – subcontracted work – in connection with building construction, reconstruction, repair or erection – one or two family dwellings
    • 91581 Contractors – subcontracted work – in connection with construction, reconstruction, erection or repair not buildings – NOC
    • 91584 Contractors – subcontracted work – in connection with construction, reconstruction, repair or erection of buildings – for industrial use
    • 91585 Contractors – subcontracted work – in connection with construction, reconstruction, repair or erection of buildings – NOC
    • 91586 Contractors – subcontracted work – in connection with oil and gas field construction, reconstruction or repair
    • 91587 Contractors – subcontracted work – in connection with pipeline (other than oil or gas), or communication or power line construction, reconstruction or repair
    • 91589 Contractors – subcontracted work – in connection with street or highway construction, reconstruction or repair – not elevated
    • 91591 Contractors – subcontracted work – other than construction – related work (Type of contractor)
    • 11203 Contractors’ Equipment Dealers – ladders, excluding hoists, scaffolds or towers
    • 11204 Contractors’ Equipment Dealers – ladders, hoists, scaffolds or towers
    • 11201 Contractors’ Equipment – cranes, derricks, power shovels and equipment incidental thereto – rented to others with operators
    • 11202 Contractors’ Equipment – cranes, derricks, power shovels and equipment incidental thereto – rented to others without operators
    • 11205 Contractors’ Equipment – earth moving equipment other than cranes, derricks and power shovels – rented to others with operators
    • 11206 Contractors’ Equipment – earth moving equipment other than cranes, derricks and power shovels – rented to others without operators
    • 11207 Contractors’ Equipment – excluding automobiles – rented to others with operators – NOC
    • 11208 Contractors’ Equipment – excluding automobiles – rented to others without operators – NOC
    • 11209 Contractors’ Equipment – hod or material platform hoists and equipment incidental thereto – rented to others with operators
    • 11210 Contractors’ Equipment – hod or material platform hoists and equipment incidental thereto – rented to others without operators
    • 11211 Contractors’ Equipment – ladders, scaffolds, scaffolding, sidewalks, bridges, towers and equipment incidental thereto – rented to others
    • 11212 Contractors’ Equipment – scaffolds, sidewalks, bridges, hod or material hoist towers – rented to others – installation, repair or removal operations only
    • 11213 Contractors’ Equipment – steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental thereto – rented to others with operators
    • 11214 Contractors’ Equipment – steam boilers, compressors, air pressure tanks, pneumatic tools and equipment incidental thereto – rented to others without operators
    • 41672 Conventions (sponsor’s risk only)
    • 41673 Conventions (sponsor’s risk only)
    • 41680 Convents or Monasteries
    • 11222 Copying and Duplicating Services – retail
    • 11234 Cosmetic, Hair or Skin Preparation Stores
    • 51970 Cosmetics Manufacturing
    • 51982 Cotton Batting, Wadding or Waste Manufacturing
    • 51985 Cotton Compressing
    • 41679 Cotton Gin Operations
    • 51986 Cotton Gin Operations
    • 11248 Cotton or Wool Merchants
    • 41696 Crematories
    • 41697 Crematories
    • 91606 Crop Spraying – by contractors
    • 51999 Cutlery (not powered) and Flatware Manufacturing
    • 52002 Dairy Products Manufacturing
    • 11258 Dairy Products or Butter and Egg Stores
    • 11259 Dairy Products or Butter and Egg Stores
    • 91618 Dam or Reservoir Construction
    • 41700 Dam, Levee or Dike – existence hazard only
    • 11273 Dance Halls or Ballrooms
    • 11274 Dance Halls or Ballrooms
    • 41715 Day Care Centers
    • 41716 Day Care Centers
    • 91629 Debris Removal – construction site
    • 11288 Delicatessens
    • 12014 Dental Laboratories
    • 12356 Department or Discount Stores
    • 91636 Detective or Investigative Agencies – private
    • 52075 Detergent Manufacturing – household
    • 52109 Dextrine Manufacturing
    • 46112 Diagnostic Testing Laboratories
    • 52137 Die Casting Manufacturing
    • 91641 Dike, Levee or Revetment Construction
    • 52150 Distillation or Extraction – NOC
    • 12361 Distributors – food or drink – NOC
    • 12362 Distributors – no food or drink – NOC
    • 91666 Diving – marine
    • 91722 Dock Operations – coal, grain or ore
    • 52134 Door or Window Manufacturing – NOC
    • 52315 Door or Window Manufacturing – wood
    • 91746 Door, Window or Assembled Millwork – installation – metal
    • 91805 Draftsmen
    • 43007 Drawbridges – existence hazard only
    • 92053 Dredging – gold – endless bucket or ladder type
    • 92054 Dredging – gold – floating dragline type
    • 92055 Dredging – NOC
    • 92101 Drilling – NOC
    • 92102 Drilling – water
    • 92215 Driveway, Parking Area or Sidewalk – paving or repaving
    • 12373 Drug Distributors
    • 52341 Drug Manufacturing – biological products
    • 52342 Drug, Medicine or Pharmaceutical Preparations Manufacturing – for animal use
    • 52343 Drug, Medicine or Pharmaceutical Preparations Manufacturing – NOC
    • 12374 Drugstores – no table or counter service for beverage or food
    • 12375 Drugstores – NOC
    • 52401 Drums or Containers Manufacturing – metal
    • 52402 Drums or Containers Manufacturing – plastic
    • 92338 Dry Wall or Wallboard Installation
    • 43117 Dude Ranches
    • 63013 Dwellings – four-family (lessor’s risk only)
    • 63010 Dwellings – one-family (lessor’s risk only)
    • 63012 Dwellings – three-family (lessor’s risk only)
    • 63011 Dwellings – two-family (lessor’s risk only)
    • 92445 Electric Light or Power Companies
    • 92453 Electric Light or Power Cooperatives – rural electrification administration projects only
    • 92446 Electric Light or Power Line Construction – NOC
    • 92447 Electric Light or Power Line Construction – rural electrification administration projects only
    • 92451 Electrical Apparatus – installation, servicing or repair – NOC
    • 12391 Electrical Equipment Distributors
    • 52432 Electrical Equipment Manufacturing – NOC
    • 52433 Electrical Equipment Manufacturing – NOC – for direct and indirect application to the body
    • 52435 Electrical Generating Machinery Manufacturing
    • 52438 Electrical Parts, Components or Accessories Manufacturing – NOC
    • 52440 Electrical Power Distribution or Transmission Equipment Manufacturing – NOC
    • 52467 Electrical Wire or Cable Manufacturing
    • 92478 Electrical Work – within buildings
    • 52469 Electronic Components Manufacturing
    • 52505 Electronic Games Manufacturing
    • 12393 Electronics Stores
    • 52547 Electroplating
    • 52581 Elevator Manufacturing
    • 92593 Elevator or Escalator Inspecting, Installation, Servicing or Repair
    • 43200 Employment Agencies
    • 52619 Engine or Turbine Manufacturing – not aircraft – NOC
    • 92663 Engineers or Architects – consulting – not engaged in actual construction
    • 52660 Engraving
    • 43215 Entertainment Performed on Others’ Premises
    • 12467 Equipment, Fixtures or Supplies – for bars, hotels, offices, restaurants or stores – distributors
    • 52744 Escalator or Moving Sidewalk Manufacturing
    • 94007 Excavation
    • 52767 Exercise or Playground Equipment Manufacturing
    • 63215 Exhibition or Convention Buildings
    • 63216 Exhibition or Convention Buildings
    • 63219 Exhibitions – in buildings – no admission charged
    • 63220 Exhibitions – in buildings – no admission charged
    • 63217 Exhibitions – in buildings – NOC
    • 63218 Exhibitions – in buildings – NOC
    • 43421 Exhibitions – outside – in stadiums or on premises having grandstands or bleachers not erected by or for the insured – ushers or other attendants in stands not provided by the insured
    • 43422 Exhibitions – outside – in stadiums or on premises having grandstands or bleachers – ushers or other attendants in stands provided by the insured
    • 43424 Exhibitions – outside – no stadiums or grandstands
    • 52876 Explosives or Fireworks Manufacturing
    • 94099 Express Companies
    • 52911 Extracts Manufacturing
    • 52967 Eye Glass Lens Manufacturing
    • 12509 Fabric Distributors
    • 12510 Fabric Stores
    • 43517 Fair Grounds – non-operating season
    • 43518 Fairs – outside (operator’s risk only)
    • 94225 Farm Machinery Operations – by contractors
    • 53001 Feed Manufacturing – NOC
    • 12583 Feed, Grain or Hay Dealers
    • 12651 Fence Dealers
    • 94276 Fence Erection Contractors
    • 12683 Fertilizer Dealers and Distributors
    • 53077 Fertilizer Manufacturing
    • 53095 Fiber Manufacturing – NOC
    • 53096 Fiber Manufacturing – synthetic
    • 53121 Fiberglass Manufacturing
    • 43550 Fire Departments – NOC
    • 43551 Fire Departments – volunteers
    • 53147 Fire Extinguishers Manufacturing
    • 94304 Fire Extinguishers – servicing, refilling or testing
    • 12707 Fire Protection Equipment Dealers and Distributors
    • 53229 Fire Suppression Systems Manufacturing
    • 94381 Fire Suppression Systems – installation, servicing or repair
    • 53271 Firearms Manufacturing
    • 94404 Fireproofing – structures
    • 43626 Fireworks Exhibitions (contractor’s risk only)
    • 43628 Fireworks Exhibitions (sponsor’s risk only)
    • 43629 Fireworks Exhibitions (sponsor’s risk only)
    • 43754 Fishing Piers
    • 43760 Fishing Ponds or Lakes – commercially operated
    • 12797 Floor Covering Distributors
    • 94569 Floor Covering Installation – not ceramic tile or stone
    • 53333 Floor Covering Manufacturing – not carpets, rugs, ceramic or stone tiles
    • 12805 Floor Covering Stores
    • 94590 Floor Waxing
    • 12841 Florists
    • 53374 Food Products Manufacturing – dry
    • 53375 Food Products Manufacturing – frozen
    • 53376 Food Products Manufacturing – not dry – in glass containers
    • 53377 Food Products Manufacturing – not dry – in other than glass containers
    • 43822 Forestry Service
    • 53403 Forging Work – NOC
    • 12927 Formal Wear or Costumes – rented to others
    • 53425 Foundries – NOC
    • 94617 Freight Forwarders or Handlers – NOC
    • 94638 Freight Forwarders or Handlers – packing, handling or shipping explosives or ammunition under contract
    • 13049 Frozen Food – distributors
    • 13111 Fruit or Vegetable Dealers
    • 13112 Fruit or Vegetable Distributors
    • 53565 Fruit or Vegetable Juice Manufacturing – no bottling of carbonated beverages
    • 43840 Fruit or Vegetable – harvesting contractors
    • 13201 Fuel Dealers or Distributors – coal or wood
    • 13204 Fuel Oil or Kerosene Dealers
    • 13205 Fuel Oil or Kerosene Distributors
    • 43860 Fumigating
    • 43889 Funeral Homes or Chapels
    • 53631 Fur Garment Manufacturing
    • 53632 Fur or Pelt Processing
    • 13314 Fur – Garments and pelts – distributors
    • 53731 Furniture Manufacturing or Assembling – infants
    • 53732 Furniture Manufacturing or Assembling – other than wood
    • 53733 Furniture Manufacturing or Assembling – wood
    • 95124 Furniture or Fixtures – installation in offices or stores – portable – metal or wood
    • 53734 Furniture or Woodwork Stripping, Refinishing or Repairing – shop only
    • 13351 Furniture Stores
    • 13352 Furniture Stores
    • 53803 Galvanizing or Tinning
    • 43990 Gambling – Casinos
    • 43991 Gambling – incidental to other operations
    • 43945 Garbage or Refuse Dumps
    • 43946 Garbage Works – separation for recycling, reduction or incineration
    • 95233 Garbage, Ash or Refuse Collecting
    • 95306 Gas Companies – natural gas – local distribution
    • 95305 Gas Companies – NOC
    • 13411 Gas Dealers or Distributors – NOC
    • 13410 Gas Dealers – LPG
    • 13412 Gas Distributors – LPG
    • 95310 Gas Mains or Connections Construction
    • 53902 Gas Manufacturing – inert
    • 53903 Gas Manufacturing – NOC
    • 53904 Gas Manufacturing – primarily flammable, explosive or reactive
    • 53905 Gas Manufacturing – primarily toxic or presenting a health hazard
    • 53901 Gas Manufacturing – toxic and either flammable, explosive or reactive
    • 53907 Gasoline Distributors
    • 44009 Gasoline or Oil Supply Stations – retail (lessor’s risk only)
    • 44010 Gasoline Recovery – from casing head or natural gas
    • 13453 Gasoline Stations – full service
    • 13455 Gasoline Stations – self and full service combined
    • 13454 Gasoline Stations – self-service
    • 54012 Gemstone Cutting or Polishing
    • 95357 Geophysical Exploration – NOC
    • 95358 Geophysical Exploration – seismic method
    • 13506 Gift Shops
    • 13507 Gift Shops
    • 13590 Glass Dealers and Glaziers
    • 54077 Glass or Glassware Manufacturing
    • 44069 Golf Courses – miniature
    • 44070 Golf Courses – municipal or public – not golf or country clubs
    • 44071 Golf Driving Ranges
    • 44072 Golfmobiles – loaned or rented to others
    • 44109 Governmental Subdivision – not state or federal counties or parishes – population 10,001 – 25,000
    • 44112 Governmental Subdivision – not state or federal counties or parishes – population 100,001 – 250,000
    • 44110 Governmental Subdivision – not state or federal counties or parishes – population 25,001 – 50,000
    • 44111 Governmental Subdivision – not state or federal counties or parishes – population 50,001 – 100,000
    • 44113 Governmental Subdivision – not state or federal counties or parishes – population over 250,000
    • 44108 Governmental Subdivision – not state or federal counties or parishes – population under 10,000
    • 44102 Governmental Subdivision – not state or federal municipalities – population 10,001-25,000
    • 44105 Governmental Subdivision – not state or federal municipalities – population 100,001-250,000
    • 44101 Governmental Subdivision – not state or federal municipalities – population 2,501-10,000
    • 44103 Governmental Subdivision – not state or federal municipalities – population 25,001-50,000
    • 44104 Governmental Subdivision – not state or federal municipalities – population 50,001-100,000
    • 44106 Governmental Subdivision – not state or federal municipalities – population over 250,000
    • 44100 Governmental Subdivision – not state or federal municipalities – population under 2,500
    • 95410 Grading of Land
    • 95455 Grain Elevator Operations
    • 13621 Grain Milling
    • 44193 Grandstands or Bleachers
    • 44194 Grandstands or Bleachers
    • 95487 Greenhouse Erection
    • 13670 Grocery Distributors
    • 13673 Grocery Stores-NOC
    • 44222 Guides or Outfitters
    • 95505 Guniting or Shot-Crete
    • 95620 Gunsmiths
    • 44276 Halls
    • 44277 Halls
    • 95625 Handyman
    • 13715 Hardware and Tool Distributors
    • 13716 Hardware Stores
    • 95630 Hazardous Material Contractors
    • 44427 Health Care Facilities – alcohol and drug
    • 44428 Health Care Facilities – alcohol and drug
    • 44439 Health Care Facilities – clinics, dispensaries or infirmaries treating out-patients only – no regular bed and board facilities
    • 44440 Health Care Facilities – clinics, dispensaries or infirmaries treating out-patients only – no regular bed and board facilities
    • 44429 Health Care Facilities – convalescent or nursing homes – not mental-psychopathic institutions
    • 44430 Health Care Facilities – convalescent or nursing homes – not mental-psychopathic institutions
    • 44431 Health Care Facilities – homes for the aged
    • 44432 Health Care Facilities – homes for the aged
    • 44433 Health Care Facilities – homes for the physically handicapped or orphaned
    • 44434 Health Care Facilities – homes for the physically handicapped or orphaned
    • 44435 Health Care Facilities – hospitals
    • 44436 Health Care Facilities – hospitals
    • 44437 Health Care Facilities – mental – psychopathic institutions
    • 44438 Health Care Facilities – mental – psychopathic institutions
    • 44311 Health or Exercise Clubs
    • 44315 Health or Exercise Facilities – commercially operated
    • 13720 Health or Natural Food Stores
    • 13759 Hearing Aid Stores
    • 55010 Heating Equipment Manufacturing – coal or wood
    • 55011 Heating Equipment Manufacturing – electric
    • 55012 Heating Equipment Manufacturing – fuel oil or kerosene
    • 55013 Heating Equipment Manufacturing – gas, or liquefied petroleum gas
    • 13930 Heating or Combined Heating and Air Conditioning Equipment – dealers or distributors only
    • 95647 Heating or Combined Heating and Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair – no liquefied petroleum gas (LPG) equipment sales or work
    • 95648 Heating or Combined Heating and Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair – NOC
    • 14068 Hide Dealers and Distributors – raw
    • 14101 Hobby, Craft or Artist’s Supply Stores
    • 44500 Home Health Care Services
    • 44501 Home Health Care Services
    • 14279 Home Improvement Stores
    • 55214 Hone, Oilstone or Whetstone Manufacturing
    • 55371 Honey Extracting
    • 64075 Hotels and Motels – 4 stories or more (lessor’s risk only)
    • 64074 Hotels and Motels – less than 4 stories (lessor’s risk only)
    • 45191 Hotels and Motels – with pools or beaches – 4 stories or more
    • 45190 Hotels and Motels – with pools or beaches – less than 4 stories
    • 45193 Hotels and Motels – without pools or beaches – 4 stories or more
    • 45192 Hotels and Motels – without pools or beaches – less than 4 stories
    • 96053 House Furnishings Installation – NOC
    • 64500 Housing Projects – federal, state, local
    • 45224 Hunting Preserves
    • 45225 Hunting Preserves
    • 14401 Ice Cream Stores
    • 14405 Ice Dealers and Distributors
    • 55410 Importers (Classify based on merchandise)
    • 55426 Ink Manufacturing
    • 55597 Inner Tube Manufacturing
    • 96317 Inspection and Appraisal Companies – inspecting for insurance or valuation purposes
    • 55647 Instrument Manufacturing – analytical, calibrating, measuring, testing or recording
    • 55648 Instrument Manufacturing – control
    • 55649 Instrument Manufacturing – NOC
    • 55715 Insulating Material Manufacturing – mineral
    • 55716 Insulating Material Manufacturing – organic
    • 55717 Insulating Material Manufacturing – plastic – for application in solid state
    • 55718 Insulating Material Manufacturing – plastic – NOC
    • 96410 Insulation Work – mineral
    • 96409 Insulation Work – organic or plastic in solid state
    • 96408 Insulation Work – plastic – NOC
    • 45334 Insurance Agents
    • 96611 Interior Decorators
    • 47600 Internet Access Providers
    • 16750 Internet Retailers
    • 47610 Internet Service Providers
    • 96702 Irrigation or Drainage System Construction
    • 96703 Irrigation Works Operations
    • 96816 Janitorial Services
    • 14527 Janitorial Supplies – dealers or distributors
    • 96872 Jetty or Breakwater Construction
    • 55802 Jewelry Manufacturing
    • 14655 Jewelry Stores or Distributors
    • 45380 Junk Dealers
    • 45450 Kennels – breeding, boarding or sales
    • 65007 Labor Union Offices
    • 97002 Laboratories – research, development or testing
    • 97003 Laboratories – research, development or testing
    • 55918 Ladder Manufacturing – NOC
    • 55919 Ladder Manufacturing – wood
    • 45523 Lakes or Reservoirs – existence hazard only
    • 45524 Lakes or Reservoirs – existence hazard only
    • 56041 Lamp or Lantern Manufacturing – electric
    • 56042 Lamp or Lantern Manufacturing – NOC
    • 56040 Lamp Shade Manufacturing
    • 45539 Land – occupied by persons other than the insured for business purposes (lessor’s risk only)
    • 97047 Landscape Gardening
    • 14731 Laundries and Dry Cleaners – self-service
    • 45678 Laundries and Dry Cleaning Plants
    • 14732 Laundry and Dry Cleaning or Dyeing Receiving Stations
    • 14733 Laundry and Dry Cleaning Stores
    • 14734 Laundry Rental Service
    • 97050 Lawn Care Services
    • 66122 Lawyers Offices
    • 66123 Lawyers Offices
    • 56170 Lead Manufacturing – red or white
    • 56171 Lead Works – sheet, pipe or shot
    • 56202 Leather Goods Manufacturing – NOC
    • 66309 Libraries
    • 56390 Light Bulb or Tubes Manufacturing
    • 56391 Lighting Fixtures Manufacturing – NOC
    • 56427 Lime Manufacturing
    • 56488 Liquor Manufacturing
    • 14855 Livestock Dealers or Commission Merchants
    • 45771 Livestock Sales Companies
    • 14913 Locksmiths
    • 97111 Logging and Lumbering
    • 56567 Lubricants Manufacturing – grease
    • 45819 Lumberyards
    • 97220 Machine Shops – NOC
    • 15060 Machinery or Equipment Dealers – construction or industrial – mobile type
    • 15061 Machinery or Equipment Dealers – farm type
    • 15062 Machinery or Equipment Dealers – NOC
    • 15063 Machinery or Equipment Dealers – yard or garden type
    • 97221 Machinery or Equipment – farm – installation, servicing, repair or erection
    • 97222 Machinery or Equipment – industrial – installation, servicing or repair
    • 97223 Machinery or Equipment – installation, servicing or repair – NOC
    • 56650 Machinery or Machinery Parts Manufacturing – construction, mining or materials handling type
    • 56651 Machinery or Machinery Parts Manufacturing – farm type
    • 56652 Machinery or Machinery Parts Manufacturing – industrial type
    • 56653 Machinery or Machinery Parts Manufacturing – metalworking
    • 56654 Machinery or Machinery Parts Manufacturing – NOC
    • 15070 Mail Box or Packaging Stores
    • 45901 Mail Order Houses
    • 45900 Mail Order or Online Drugstores
    • 45937 Mailing or Addressing Companies
    • 54444 Manufacturers NOC
    • 45993 Manufacturers Representatives
    • 97308 Marine Appraisers or Surveyors
    • 15119 Markets – not open air (lessor’s risk only)
    • 15120 Markets – not open air (lessor’s risk only)
    • 15123 Markets – open air (lessor’s risk only)
    • 15124 Markets – open air (lessor’s risk only)
    • 97447 Masonry
    • 56690 Match Manufacturing
    • 56699 Mattress or Box Spring Manufacturing
    • 46004 Mausoleums
    • 46005 Mausoleums
    • 56759 Meat, Fish, Poultry or Seafood Processing – in airtight containers
    • 56760 Meat, Fish, Poultry or Seafood Processing – not in airtight containers
    • 15224 Meat, Fish, Poultry or Seafood Stores
    • 56758 Meat, Fish, Poultry or Seafood – curing
    • 15223 Meat, Fish, Poultry or Seafood – distributors
    • 66561 Medical Offices
    • 56808 Medical, Dental or Surgical Diagnostic Treatment Machines or Devices Manufacturing
    • 56805 Medical, Dental, Hospital or Surgical Equipment or Supplies Manufacturing – expendable
    • 56806 Medical, Dental, Hospital or Surgical Equipment or Supplies Manufacturing – nonexpendable
    • 56807 Medical, Dental, Hospital or Surgical Instruments Manufacturing
    • 15300 Medical, Hospital and Surgical Equipment and Supplies – rented to others
    • 15314 Medical, Hospital and Surgical Supply Stores
    • 15404 Metal Dealers or Distributors – nonstructural
    • 15405 Metal Dealers or Distributors – structural
    • 97650 Metal Erection – decorative or artistic
    • 97651 Metal Erection – frame structures, iron work on outside of buildings
    • 97652 Metal Erection – in the construction of dwellings not exceeding 2 stories in height
    • 97653 Metal Erection – nonstructural – NOC
    • 97654 Metal Erection – steel lock gates, gas holders, standpipes, water towers, smoke stacks, tanks, silos, prison cells, fire or burglar-proof vaults
    • 97655 Metal Erection – structural – NOC
    • 56900 Metal Extraction or Refining – NOC
    • 56910 Metal Foil Manufacturing
    • 56911 Metal Goods Manufacturing – NOC
    • 56912 Metal Goods Manufacturing – stamping – not signs
    • 56913 Metal Heat Processing
    • 15406 Metal Scrap Dealers
    • 59914 Metal Works – shop – decorative or artistic
    • 56915 Metal Works – shop – structural – load bearing
    • 56916 Metal Works – shop – structural – not load bearing
    • 56919 Metals – extraction or refining of ferrous metals – blast furnace or other pyrometallurgical processes
    • 56920 Metals – extraction or refining of nonferrous metals – blast furnace or other pyrometallurgical processes
    • 56917 Metals – extraction or refining – chemical processes
    • 56918 Metals – extraction or refining – electrometallurgical processes
    • 56980 Mica Goods Manufacturing
    • 57001 Milk Depots or Dealers
    • 57002 Milk Processing
    • 98002 Mining – NOC
    • 98003 Mining – surface
    • 57090 Mobile Home Manufacturing
    • 46202 Mobile Home Parks or Courts
    • 15488 Mobile Home Sales Agencies
    • 46362 Model Homes
    • 57146 Modular Units Manufacturing
    • 98090 Motion Pictures – development of negatives, printing and all subsequent operations
    • 98091 Motion Pictures – film distribution or exchanges – not located at motion picture studios
    • 98092 Motion Pictures – production – studios or outside – all operations prior to the development of negatives
    • 57202 Motorcycle, Moped or Motor Scooter Manufacturing
    • 46426 Museums
    • 46427 Museums
    • 16676 Music Stores – Pre-recorded
    • 57257 Musical Instrument Manufacturing
    • 15538 Musical Instrument Stores
    • 58627 Musical Products Manufacturing – prerecorded
    • 15600 Nail Salons
    • 57401 Nails or Spikes Manufacturing
    • 57403 Needles, Pins or Tacks Manufacturing
    • 57410 Net Manufacturing – NOC
    • 57411 Net Manufacturing – safety nets
    • 15607 Newspaper or Magazine Distributors
    • 15608 Newsstands
    • 15656 Nightclubs, Cabarets and Comedy Clubs
    • 15699 Nursery – garden
    • 57572 Office Machines Manufacturing
    • 98111 Office Machines or Appliances – installation, inspection, adjustment, repair
    • 98150 Oil or Gas Lease Operations – natural gas
    • 98151 Oil or Gas Lease Operations – natural gas – within the limits of any town or city, on the right -of-way of any railroad, or in any ocean, gulf or bay
    • 98152 Oil or Gas Lease Work by Contractors – not lease operation
    • 15188 Oil or Gas Wells Supplies or Equipment Dealers – secondhand
    • 98153 Oil or Gas Wells – acidizing
    • 98154 Oil or Gas Wells – cementing
    • 98155 Oil or Gas Wells – cleaning or swabbing by contractors
    • 98156 Oil or Gas Wells – cleaning or swabbing by contractors – within the limits of any town or city, on the right-of-way of any railroad, or in any ocean, gulf or bay
    • 98157 Oil or Gas Wells – drilling or redrilling, installation or recovery of casing
    • 98158 Oil or Gas Wells – drilling or redrilling, installation or recovery of casing – within the limits of any town or city, on the right-of-way of any railroad, or in any ocean, gulf or bay
    • 98159 Oil or Gas Wells – instrument logging or survey work in wells
    • 46510 Oil or Gas Wells – non-operating working interest
    • 98160 Oil or Gas Wells – perforating of casing
    • 98161 Oil or Gas Wells – servicing – by contractors
    • 98162 Oil or Gas Wells – shooting
    • 15733 Oil Refineries
    • 98163 Oil Rig or Derrick Erecting or Dismantling – wood or metal
    • 98164 Oil Still Erection or Repair
    • 57600 Optical Goods Manufacturing
    • 15839 Optical Goods Stores
    • 98257 Orchards and Vineyards – operation by contractors
    • 57611 Ore Milling or Processing
    • 57625 Orthopedic, Ambulation or Prosthetic Devices Manufacturing
    • 57651 Packing Houses
    • 57690 Paint, Varnish, Shellac or Lacquer Manufacturing
    • 15991 Paint, Wallpaper or Wallcovering Stores
    • 98304 Painting – exterior – buildings or structures – 3 stories or less in height – NOC
    • 98303 Painting – exterior – buildings or structures – exceeding 3 stories in height – NOC
    • 98309 Painting – exterior – steel structures or bridges – exceeding 3 stories in height – NOC
    • 98305 Painting – interior – buildings or structures
    • 98306 Painting – oil or gasoline tanks
    • 98307 Painting – ship hulls
    • 98308 Painting – shop only
    • 15993 Painting, Picture or Frame Stores
    • 57716 Paper Coating or Finishing
    • 57725 Paper Goods Manufacturing – NOC
    • 57726 Paper Manufacturing
    • 16005 Paper Products Distributors
    • 16009 Paper, Rag or Rubber Stock Dealers and Distributors – secondhand
    • 98344 Paperhanging
    • 57798 Parachute Manufacturing
    • 46590 Parades
    • 46622 Parking – private
    • 46607 Parking – public – maintained by the insured (lessor’s risk only)
    • 46603 Parking – public – not open air
    • 46604 Parking – public – open air
    • 46606 Parking – public – shopping centers – maintained by lessee (lessor’s risk only)
    • 46671 Parks or Playgrounds
    • 57808 Pattern Manufacturing – metal
    • 57809 Pattern Manufacturing – NOC
    • 57810 Pattern Manufacturing – paper
    • 46700 Penal Institutions
    • 57871 Pencil, Pen, Crayon or Chalk Manufacturing
    • 43470 Pest Control Services
    • 57913 Pet Food Manufacturing
    • 16402 Pet Grooming
    • 16403 Pet Stores
    • 16404 Pet Training
    • 57997 Photo Finishing Laboratories
    • 16471 Photographers
    • 57998 Photographic Equipment Manufacturing
    • 57999 Photographic Supplies Manufacturing
    • 98405 Piano Tuning
    • 46773 Picnic Grounds – commercially operated
    • 98413 Pile Driving – building foundation only
    • 98414 Pile Driving – NOC
    • 98415 Pile Driving – sonic method
    • 98423 Pipeline Construction – gas
    • 98424 Pipeline Construction – NOC
    • 98425 Pipeline Construction – oil
    • 98426 Pipeline Construction – slurry – nonflammable mixtures
    • 98427 Pipelines – operation – gas
    • 98428 Pipelines – operation – NOC
    • 98429 Pipelines – operation – oil
    • 98430 Pipelines – operation – slurry – nonflammable mixtures
    • 58020 Pipes Manufacturing – tobacco
    • 58009 Pipes or Tubes Manufacturing – metal
    • 58010 Pipes or Tubes Manufacturing – plastic
    • 98449 Plastering or Stucco Work
    • 58056 Plastic Manufacturing – raw material
    • 58057 Plastic or Rubber Goods Manufacturing – NOC – household
    • 58058 Plastic or Rubber Goods Manufacturing – NOC – other than household
    • 16501 Plastic or Rubber Supply Goods Distributors
    • 16527 Plumbing and Fixtures Supplies – dealers and distributors
    • 58095 Plumbing Fixtures Manufacturing
    • 58096 Plumbing Supplies Manufacturing – NOC
    • 98482 Plumbing – commercial and industrial
    • 98483 Plumbing – residential or domestic
    • 58301 Plywood, Veneer or Veneer Products Manufacturing – NOC
    • 58302 Plywood, Veneer or Veneer Products Manufacturing – without log processing
    • 46822 Political Campaign Headquarters or Offices
    • 98502 Prefabricated Building Erection
    • 58397 Prefabricated Building Manufacturing
    • 16588 Printers or Electrotypers Supplies – distributors
    • 58408 Printing
    • 58409 Printing
    • 16604 Produce Handling or Packing
    • 46881 Professional and Trade Associations – no building or premises owned or leased except as offices
    • 46882 Professional and Trade Associations – no building or premises owned or leased except as offices
    • 58456 Publishers – books or magazines
    • 58457 Publishers – books or magazines
    • 58458 Publishers – newspapers
    • 58459 Publishers – newspapers
    • 58503 Pulp Manufacturing
    • 58532 Pump or Compressor Manufacturing
    • 98555 Quarries
    • 46913 Race Tracks – motorized vehicles (lessor’s risk only)
    • 46915 Race Tracks – motorized vehicles (sponsor’s risk only)
    • 46911 Race Tracks – motorized vehicles – operators
    • 46912 Race Tracks – NOC – operators
    • 46914 Racing – NOC – (lessor’s risk only)
    • 46916 Racing – NOC – (sponsor’s risk only)
    • 16670 Racquet Sports and Handball Facilities – commercially operated
    • 98597 Radio or TV Broadcasting Stations
    • 98598 Radio or TV Broadcasting Stations
    • 98601 Railroad Construction
    • 58559 Railroad Engine Manufacturing
    • 58560 Railroad or Other Public Conveyance Cars Manufacturing
    • 58561 Railroad or Other Public Conveyance Cars Parts Manufacturing
    • 98622 Railroads – operation and maintenance – with BI passenger hazard
    • 98623 Railroads – operation and maintenance – without BI passenger hazard
    • 98624 Railroads – shop operation and maintenance
    • 58575 Razor or Razor Blade Manufacturing
    • 47050 Real Estate Agents
    • 47051 Real Estate Development Property
    • 47052 Real Estate Property Managed
    • 47103 Recording Studios
    • 16694 Recreational Vehicle Dealers
    • 47146 Recycling Collection Centers
    • 47147 Recycling Collection Centers
    • 58663 Refrigeration Equipment Manufacturing
    • 16705 Refrigeration Equipment – dealers and distributors only – commercial
    • 98636 Refrigeration Systems or Equipment – dealers and distributors and installation, servicing or repair – commercial
    • 58682 Rendering Works
    • 98640 Renovating – outside surfaces of buildings
    • 16723 Rental Stores – machinery or equipment – rented to others on a long-term basis
    • 16722 Rental Stores – NOC
    • 16900 Restaurants - with no sale of alcoholic beverages - with table service
    • 16901 Restaurants - with no sale of alcoholic beverages - withour table service with seating
    • 16902 Restaurants - with no sale of alcoholic beverages - without seating
    • 16915 Restaurants -with sale of alcoholic beverages that are 30% or more of but less than 75% of the total annual receipts of the restaurants - with dance floor
    • 16916 Restaurants -with sale of alcoholic beverages that are 30% or more of but less than 75% of the total annual receipts of the restaurants - without dance floor
    • 16940 Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - bar service only (no tables):- with dance floor
    • 16941 Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - bar service only (no tables):- without dance floor
    • 16921 Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- with dance floor: no table service
    • 16920 Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- with dance floor: table service
    • 16931 Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- without dance floor: no table service
    • 16930 Restaurants -with sale of alcoholic beverages that are 75% or more of the total annual receipts of the restaurants - with tables- without dance floor: table service
    • 16910 Restaurants -with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants - with table service
    • 16911 Restaurants -with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants - without table service with seating
    • 16819 Restaurants – operated by concessionaires
    • 16820 Restaurants – operated by concessionaires
    • 47221 Riding Academies
    • 47253 Rifle or Pistol Ranges – indoor
    • 47254 Rifle or Pistol Ranges – NOC
    • 98658 Rigging – not ship or boat
    • 98659 Rigging – ship or boat
    • 47318 Rodeos
    • 58713 Rolling Mills – cold or hot process
    • 98677 Roofing – commercial
    • 98678 Roofing – residential
    • 58737 Rope Manufacturing
    • 58756 Rubber Manufacturing
    • 58757 Rubber Reclaiming
    • 58759 Rubber Stamp Manufacturing or Assembling
    • 58802 Saddles, Harnesses or Horses Furnishings Manufacturing
    • 58813 Safes or Safe Vaults Manufacturing
    • 58822 Sail Making
    • 47367 Sales or Service Organizations
    • 58840 Salt Manufacturing
    • 58837 Salt, Borax, Potash or Phosphate – producing or refining – NOC
    • 98698 Salvage Operations – NOC
    • 98699 Salvage Operations – removing, sorting, reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildings
    • 98710 Sand or Gravel Digging
    • 98705 Sandblasting
    • 47420 Saunas and Baths – public
    • 58873 Saw Mills or Planing Mills
    • 67508 Schools – colleges, universities, junior colleges or college preparatory
    • 67509 Schools – colleges, universities, junior colleges or college preparatory
    • 47468 Schools – correspondence
    • 67510 Schools – dormitory facilities
    • 67511 Schools – dormitory facilities
    • 47469 Schools – faculty liability for corporal punishment of pupils
    • 67512 Schools – NOC
    • 67513 Schools – NOC
    • 47475 Schools – private – elementary, kindergarten or junior high
    • 47476 Schools – private – elementary, kindergarten or junior high
    • 47477 Schools – private – high
    • 47478 Schools – private – high
    • 47471 Schools – public – elementary, kindergarten or junior high
    • 47473 Schools – public – high
    • 47474 Schools – trade or vocational
    • 16881 Secondhand or Salvage Dealers and Distributors
    • 98751 Security and Patrol Agencies
    • 16891 Seed Merchants
    • 16892 Seed Merchants – excluding germination failure
    • 16890 Seed Merchants – excluding misdelivery and germination failure
    • 98805 Septic Tank Systems – cleaning
    • 98806 Septic Tank Systems – installation, servicing or repair
    • 98810 Sewage Disposal – plant operations
    • 98813 Sewer Cleaning
    • 98820 Sewer Mains or Connections Construction
    • 48039 Sewers
    • 58903 Sewing Machine Manufacturing – commercial
    • 58904 Sewing Machine Manufacturing – household
    • 98871 Shaft Sinking
    • 98884 Sheet Metal Work – outside
    • 58922 Sheet Metal Work – shop only
    • 67017 Shelters, Mission Settlement or Halfway Houses – not church or office buildings
    • 98914 Ship Ceiling or Scaling
    • 98949 Ship Repair or Conversion
    • 18109 Shoe Repair Shops
    • 18110 Shoe Stores
    • 59005 Shoe, Boot or Slipper Manufacturing
    • 67635 Shopping Centers – buildings, or premises not occupied by the insured (lessor’s risk only)
    • 67634 Shopping Centers – indoor malls — buildings, or premises not occupied by the insured (lessor’s risk only)
    • 98967 Siding Installation
    • 98993 Sign Erection, Installation or Repair
    • 59057 Sign Manufacturing – electrical
    • 59058 Sign Manufacturing – NOC
    • 99004 Sign Painting or Lettering on Buildings or Structures
    • 99003 Sign Painting or Lettering – inside of buildings
    • 48177 Skating Rinks – ice
    • 48178 Skating Rinks – roller
    • 48206 Skeet Shooting or Trap Shooting Ranges
    • 48252 Ski Lifts, Tows or Runs
    • 59188 Slate Milling
    • 59189 Slate Splitting or Slate Roofing Manufacturing
    • 48441 Soap Box Derbies
    • 59223 Soap Manufacturing
    • 48557 Social Gatherings and Meetings – on premises not owned or operated by insured
    • 48558 Social Gatherings and Meetings – on premises not owned or operated by insured
    • 48600 Social Services – consulting services only – operated by the private sector
    • 99080 Solar Energy Contractors
    • 18200 Spas or Personal Enhancement Facilities
    • 59257 Sponge Processing
    • 18205 Sporting Goods or Athletic Equipment Distributors
    • 59306 Sporting Goods or Athletic Equipment Manufacturing
    • 18206 Sporting Goods or Athletic Equipment Stores
    • 48610 Sports or Outdoor Activities – commercially operated
    • 99111 Stables – boarding, livery or racing
    • 48637 Stadiums – operated by insured
    • 48638 Stadiums – operated by insured
    • 18335 Stationery or Paper Products Stores
    • 99160 Steam Heating or Steam Power Companies
    • 99163 Steam Mains or Connections Construction
    • 99165 Steam Pipe or Boiler Insulation
    • 59378 Steel Wool or Wire Wool Manufacturing
    • 99220 Stevedoring – by hand or by means of hand trucks exclusively – no hoisting of cargo
    • 99221 Stevedoring – handling explosives or ammunition under contract
    • 99222 Stevedoring – NOC
    • 99223 Stevedoring – tallyers or checking clerks engaged in connection with stevedoring work
    • 48636 Stockyards
    • 59481 Stone Crushing
    • 59482 Stone Cutting or Polishing
    • 18435 Stores – NOC – food or drink
    • 18436 Stores – NOC – food or drink
    • 18437 Stores – NOC – no food or drink
    • 18438 Stores – NOC – no food or drink
    • 99303 Street Cleaning
    • 99315 Street or Road Construction or Reconstruction
    • 99321 Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping
    • 48727 Streets, Roads, Highways or Bridges – existence and maintenance hazard only
    • 99445 Subway Construction
    • 59537 Sugar Refining
    • 48808 Sun Tanning Salons
    • 18501 Supermarkets
    • 99471 Surveyors – land – not engaged in actual construction
    • 99505 Swimming Pool Servicing
    • 59601 Swimming Pools or Accessories Manufacturing
    • 48924 Swimming Pools – commercially operated
    • 99506 Swimming Pools – installation, servicing or repair – above ground
    • 99507 Swimming Pools – installation, servicing or repair – below ground
    • 48925 Swimming Pools – NOC
    • 59647 Syrups or Molasses – refining, blending or manufacturing
    • 18506 Tailor Merchants – men or boys
    • 18507 Tailoring or Dressmaking Establishments – custom
    • 59660 Tank Building or Manufacturing – metal – not pressurized
    • 59661 Tank Building or Manufacturing – metal – pressurized
    • 99570 Tank Construction, Installation, Erection or Repair – metal – not pressurized – NOC
    • 99572 Tank Construction, Installation, Erection or Repair – metal – not pressurized – within buildings exclusively
    • 99571 Tank Construction, Installation, Erection or Repair – metal – pressurized – NOC
    • 99573 Tank Construction, Installation, Erection or Repair – metal – pressurized – within buildings exclusively
    • 59693 Tanning – animal hides
    • 18570 Tattoo Parlors
    • 68001 Taxicab Companies
    • 49005 Taxidermists
    • 59695 Telecommunication Equipment Manufacturing
    • 18575 Telecommunication Equipment Providers
    • 99600 Telecommunication Service Providers
    • 99614 Telegraph Companies
    • 99613 Telephone, Telegraph or Cable Television Line Construction
    • 99620 Teleproduction Studios
    • 99650 Television or Radio Receiving Set Installation or Repair
    • 59701 Television Picture Tube Manufacturing
    • 59713 Tent or Canopy Manufacturing
    • 99709 Tent or Canvas Goods – erection, removal or repair – away from shop
    • 49111 Tents or Canopies – loaned or rented to others
    • 59722 Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening – new goods
    • 59723 Textile Coating or Impregnating
    • 59724 Textile Manufacturing – impregnated or coated
    • 59725 Textile Products Manufacturing – fabricated
    • 59726 Textile Spinning, Weaving or Knitting Mills
    • 49181 Theaters – drive-in
    • 49183 Theaters – motion pictures
    • 49184 Theaters – NOC
    • 49185 Theaters – NOC
    • 99718 Theatrical Companies – traveling
    • 68439 Ticket Agencies
    • 59738 Tie, Post or Pole Yard
    • 99746 Tile, Stone, Marble, Mosaic or Terrazzo Work – interior construction
    • 18616 Tire Dealers
    • 59750 Tire Manufacturing – auto, bus or truck
    • 59751 Tire Manufacturing – not auto, bus or truck
    • 49239 Tires – retreading or recapping
    • 18707 Tobacco Products Distributors
    • 59773 Tobacco Products Manufacturing – cigars or cigarettes
    • 59774 Tobacco Products Manufacturing – NOC
    • 59775 Tobacco Products Manufacturing – plug or snuff
    • 18708 Tobacco Products Stores
    • 99760 Tobacco Rehandling or Warehousing
    • 49292 Toll Bridges
    • 59781 Tool Manufacturing – accessories – NOC
    • 59782 Tool Manufacturing – hand type – not powered
    • 59783 Tool Manufacturing – hand type – powered
    • 59784 Tool Manufacturing – power equipment – household type – outdoor or workshop
    • 68500 Townhouses or Similar Associations (association risk only)
    • 18833 Toy Distributors
    • 59790 Toy or Game Manufacturing
    • 18834 Toy Stores
    • 19795 Trailer Dealers
    • 19796 Trailer Retail Agencies
    • 59798 Trailers Manufacturing
    • 49333 Travel Agency Tours
    • 99777 Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating
    • 59806 Truck Manufacturing or Assembling
    • 99793 Truckers
    • 99798 Tunneling
    • 59867 Turpentine or Rosin Manufacturing
    • 59886 Twine or Cordage Manufacturing
    • 59889 Umbrella or Cane Manufacturing
    • 99803 Underpinning Buildings or Structures
    • 99826 Upholstering – NOC
    • 99827 Upholstering – shop only
    • 68604 Vacant Buildings – factories
    • 68606 Vacant Buildings – not factories
    • 68607 Vacant Buildings – not factories
    • 49451 Vacant Land
    • 49452 Vacant Land
    • 59892 Valves Manufacturing
    • 18911 Variety Stores
    • 18912 Variety Stores
    • 59904 Vegetable Oil Manufacturing – by solvent extraction
    • 59905 Vegetable Oil Manufacturing – NOC
    • 49617 Vending Machine Operations – confection, food, beverage or ice
    • 49619 Vending Machine Operations – NOC
    • 49618 Vending Machine Operations – tobacco products
    • 59915 Vending Machines Manufacturing
    • 59917 Venetian Blinds Manufacturing or Assembling
    • 99851 Veterinarian or Veterinary Hospitals
    • 18920 Video Stores
    • 49763 Warehouse – cold individual storage lockers
    • 99917 Warehouse – cold storage – public
    • 68702 Warehouses – manufacturing or private buildings or premises – occupied by multiple interests (lessor’s risk only)
    • 68703 Warehouses – manufacturing or private buildings or premises – occupied by single interest (lessor’s risk only)
    • 18991 Warehouses – miniwarehouses
    • 99938 Warehouses – NOC
    • 68706 Warehouses – private
    • 68707 Warehouses – private
    • 19007 Washing Machines, Dryers or Ironers – coin meter types
    • 59923 Watch or Watch Case Manufacturing
    • 59925 Water Bottling – in siphons
    • 59926 Water Bottling – spring or well – not sparkling or carbonated
    • 59927 Water Bottling – spring or well – sparkling or carbonated
    • 99943 Water Companies
    • 99946 Water Mains or Connection Construction
    • 99948 Water Softening Equipment – installation, servicing or repair
    • 19051 Water Softening Equipment – rented to others
    • 99952 Waterproofing – by pressure apparatus
    • 99953 Waterproofing – by trowel – exterior
    • 99954 Waterproofing – by trowel – interior or insulation work
    • 99955 Waterproofing – NOC
    • 59931 Wax or Wax Products Manufacturing – NOC
    • 59932 Wax, Wax Products or Polish Manufacturing – floor
    • 96930 Web Site Designers
    • 99963 Weighers, Samplers or Inspectors of Merchandise – on vessels or docks or at railway stations or warehouses
    • 99969 Welding or Cutting
    • 49800 Wharf and Waterfront Property – ferry docks or terminals
    • 49801 Wharf and Waterfront Property – occupied by the insured for both freight and passenger purposes
    • 49802 Wharf and Waterfront – property not occupied by the insured (lessor’s risk only)
    • 49803 Wharf and Waterfront – property occupied by the insured for freight purposes
    • 59941 Wheel Manufacturing
    • 59947 Wicker, Rattan, Willow or Twisted Fiber Products Manufacturing
    • 59955 Wigs or Hair Pieces Manufacturing
    • 99975 Window Cleaning
    • 49840 Window Decorating
    • 59963 Wine Manufacturing – sparkling
    • 59964 Wine Manufacturing – still
    • 59970 Wire Cloth Manufacturing
    • 59973 Wire Drawing
    • 59975 Wire Goods Manufacturing – NOC
    • 59977 Wire Rope or Cable Manufacturing – metal
    • 59984 Wood Preserving
    • 59985 Wood Products Manufacturing – NOC
    • 59986 Wood Turned Products Manufacturing – NOC
    • 59988 Wool Combing, Scouring or Separating from Cotton
    • 59989 Wool Pulling
    • 99986 Wrecking – buildings or structures – NOC
    • 99987 Wrecking – dismantling of prefabricated dwellings not exceeding 3 stories – for reerection
    • 99988 Wrecking – marine
    • 49870 YMCA, YWCA or Similar Institutions
    • 49890 Youth Recreation Programs
    • 49891 Youth Recreation Programs
    • 49902 Zoos
    • 49903 Zoos
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