Preferred class codes

While we believe we can make the most impact to businesses in the following industry class codes, we are always looking for other industries where we can make a difference. If you’re unsure if an opportunity fits our risk appetite, just contact us.

AGRICULTURE
  • DAIRYFARM
  • FARM LABOR CONTRACTORS
  • FARM MACHINERY OPERATION
  • FIELD CROP FARM
  • LIVESTOCK OPERATION (NOT AVAILABLE IN ALL STATES)
  • ORCHARDS & VINEYARDS
  • POULTRYFARM
 CONSTRUCTION
  • CARPENTRY-INSTALLATION
  • CERAMIC TILE, STONE, MARBLE
  • CONCRETE CONSTRUCTION NOC
  • DOOR & WINDOW INSTALLATION
  • ELECTRICAL WIRING
  • ELEVATOR ERECTION
  • EXCAVATION & DRIVERS
  • FLATWORK CONCRETE
  • FENCE INSTALLATION AND REPAIR
 CONSTRUCTION
  • FLOOR COVERING INSTALLATION
  • FURNITURE OR FIXTURES INSTALLATION
  • GLAZIER
  • HVAC
  • INSULATION WORK NOC
  • MACHINERY OR EQUIP ERECTION
  • REPAIR MASONRY NOC
  • PAINTING NOC
  • PLUMBING NOC

 
HEALTHCARE
  • ASSISTED LIVING
  • HOSPITALS
  • IN-HOME HEALTHCARE
  • NURSING HOMES & ALL EMPLOYEES
  • NON-EMERGENCY MED TRANSPORT (NOT AVAILABLE IN ALL STATES)
  • PHYSICIAN CLINICS
 MANUFACTURING
  • AUTOMOBILE PARTS MANUFACTURING
  • FARM MACHINERY
  • FOOD MANUFACTURING
  • FURNITURE MANUFACTURING
  • IRON OR STEEL FABRICATIONS
 TRANSPORTATION
  • DISTRIBUTION CENTERS
  • MAIL, PARCEL, OR PACKAGE DELIVERY
  • MOVING & STORAGE
  • SHUTTLE BUS, LIMOS
  • SAND & GRAVEL HAULING
  • TOWING
  • TRUCKING NOC


Exclusions

  • Amusement parks, carnival or circus, written as such
  • Asbestos exposures (any)
  • Chemical and petrochemical risks
  • Commercial airline flight crews
  • Construction of dams or tunnels over 100 feet (excludes augering)
  • Contractors whose principal operations involves blasting
  • Demolition of buildings or structures in excess of three stories
  • Drilling, manufacturing, production or refining of natural or artificial fuel, butane, propane or liquefied petroleum gasses or gasoline
  • Explosive substances, fireworks or fuses – any manufacturing or importing (including as a component of another product) or any handling, storing, or transporting except as incidental to primary operations
  • Known exposure to dioxin or polychlorinated biphenols
  • Loss or liability arising out of mycotoxins, mold or other fungi
  • Loss or liability arising from seepage and/or pollution and/or contamination • Municipalities
  • Nuclear exposures
  • Operations on docks and wharves
  • Operations under the jurisdiction of any federal act (USL&H, Jones Act, Maritime, Railroad, etc.)
  • Ownership, maintenance or use of aircraft
  • Professional sports team
  • Railway operations except sidetrack
  • Shoring or underpinning of buildings or structures in excess of 3 stories
  • Subaqueous operations
  • Tower, steeple and chimney shaft work over 50 feet
  • Underground mining (not quarries)