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Business Owner's Package (BOP)

A key part of running your business is knowing your interests are protected all the way around.  Let us build a package that fits you.  Employee mishaps and property damage, covered, all while still maintaining your must-have General Liability Insurance.  Price your custom policy now.  Let's get started.
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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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