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ISOs Hazard Guide Descriptions - Welcome to massagentcom®

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ISOs Hazard Guide Descriptions - Welcome to massagentcom® Powered By Docstoc
					 ISO                                                                HAZ
     ISO CLASSIFICATION DESCRIPTION                                       COMMENTS AND COVERAGE REQUIREMENTS
CODE                                                               CODE
KEY: NQ= Does Not Qualify for program
      1= Desirable
      2= Average
      3= Acceptable class, require supplemental
      information
      OLT= Owners, Lessors & Tennants
      LRO= Lessors Risk Only
50010 Abrasive Wheel Mfg.                                           NQ
50017 Abrasives or Abrasive Products Mfg.                           NQ
50015 Abrasives or Abrasive Products Mfg. - artificial              NQ
50045 Adhesive Mfg.                                                 NQ
50047 Adhesive Tape Mfg.                                            NQ
40005 Adult Day Care – Not-For-Profit only                          NQ
40006 Adult Day Care – Other than Not-For-Profit                    NQ
90089 Advertising Sign Companies - outdoor                           2
51001 Aerosol Container Mfg.                                        NQ
51005 Aerosol Containers – filling or charging for others           NQ
51116 Air Conditioning Equipment Mfg.                               NQ
10010 Air Conditioning Equip. - drlrs. or distr. only                2
      Air Conditioning Sys. or Equip. - dealers or dist. &                Contractor's endorsements apply, Contractor's
91111                                                               3
      installers                                                          Supplemental App required.
51201 Aircraft or Aircraft Parts Mfg.                               NQ
      Airport Control Towers-not operated exclusively by the
40020                                                               NQ
      FAA
      Airport-Lessees of portions of airports engaged in the
40026 sale of aircraft or accessories, servicing or repairing of    NQ
      aircraft or pilot instructions
40010 Airports-commercial                                           NQ
40015 Airports-private                                              NQ
      Airport Runway or Warming Apron-paving or repaving,
91125                                                               NQ
      surfacing or resurfacing or scraping
51205 Alarm Mfg. - burglar                                          NQ
51206 Alarm Mfg. - fire or smoke                                    NQ
      Alarms and Alarm Systems-installation, servicing or
91127                                                               NQ
      repair
91130 Alarms - security systems-monitoring                          NQ
51210 Alcohol Mfg. - not beverage                                   NQ
      Ambulance Service, First Aid or Rescue Squads-Not-
40032                                                               NQ
      For-Profit only
      Ambulance Service, First Aid or Rescue Squads-Other
40031                                                               NQ
      than Not-For-Profit
51211 Ammunition Mfg.                                               NQ
10015 Amusement Centers                                             NQ
40040 Amusement Devices                                             NQ
      Amusement Devices-operated in connection with
40042                                                               NQ
      carnivals or fairs-Not-For-Profit only
      Amusement Devices-operated in connection with
40041                                                               NQ
      carnivals or fairs-Other than Not-For-Profit
10020 Amusement Parks                                               NQ
91135 Analytical Chemists                                           NQ
10036 Anhydrous Ammonia Dealer and Distributors                     NQ
40045 Animals - draft                                               NQ
40046 Animals - saddle - for rent                                   NQ
40047 Animals - saddle - private                                    NQ
10026 Antique Stores                                                 1
                                                                       3 stories max; Habitational Supp App required; no
60010 Apartment Buildings                                         2
                                                                       subsidized housing, HUD, etc
                                                                       3 stories max; Habitational Supp App required; no
60011 Apartment Buildings - garden                                2
                                                                       subsidized housing, HUD, etc
      Apartment Buildings or Hotels time-sharing less than 4
60012                                                             NQ
      stories
      Apartment Buildings or Hotels time-sharing- 4 stories or
60013                                                             NQ
      more
                                                                       3 stories max; Habitational Supp App required; no
60015 Apartment Hotels – less than 4 stories                      3
                                                                       subsidized housing, HUD, etc
60016 Apartment Hotels – 4 stories or more                        NQ
51220 Appliances and Accessories Mfg.-commercial-gas              NQ
51221 Appliances and Acc. Mfg.-commercial-not gas                 NQ
51222 Appliances and Accessories Mfg.-household-gas               NQ
51224 Appliances and Acc. Mfg.-household-not gas                  NQ
      Appliances and Acc. installation, servicing or repair-
91150                                                             NQ
      commercial
      Appliances and Acc. installation, servicing or repair-           Contractors' endorsements apply; Contractor's
91155                                                             2
      household                                                        Supplemental App required
                                                                       This class is eligible for excess GL only. Auto
10040 Appliance Distributors - household type                     2
                                                                       Liability Exclusions CUP 313.
10042   Appliance Stores - household type                          2
10052   Archery Ranges - Indoor                                   NQ
10054   Archery Ranges – other than indoor                        NQ
91160   Armored Car Service Companies                             NQ
10060   Army and Navy Stores                                       1
10066   Art Galleries - not for profit only                        1
10065   Art Galleries – Other than Not-For-Profit                  1
51230   Asbestos Goods Mfg.                                       NQ
51240   Asphalt or Tar Distilling or Refining                     NQ
51241   Asphalt Works                                             NQ
        Athletic Games Sponsored by the Insured - Not-For-
40061                                                             NQ
        Profit only
        Athletic Games Sponsored by the Insured – Other than
40059                                                             NQ
        Not-For-Profit
        Athletic or Sports Contests-in bldgs.-lessees- Not-For-
40064                                                             NQ
        Profit only
        Athletic or Sports Contests – in buildings – lessees –
40063                                                             NQ
        Other than Not-For-Profit
40067   Athletic Programs - amateur - Not-For-Profit only         NQ
40066 Athletic Programs – amateur – Other than Not-For-Profit     NQ
40069 Athletic Teams -professional or semi-professional           NQ
91175 Auctioneers - livestock - away from insds. premises          2
91177 Auctioneers - away from insds. premises                      2
91179 Auctions - on premises owned or rented by insured            2
51250 Automobile, Bus and Truck Body Mfg.                         NQ
      Automobile, Bus or Truck Parts Mfg.- brakes or brake
51251                                                             NQ
      linings
      Automobile, Bus or Truck Parts Mfg.- not operating
51252                                                             NQ
      parts
51253 Automobile, Bus or Truck Parts Mfg. - operating parts       NQ
      Automobile, Bus or Truck Parts Mfg. - passenger
51254                                                             NQ
      restraining devices
91190 Automobile Dismantling                                      NQ
51255 Automobile Mfg. or Assembling                               NQ
10070 Automobile Parts and Supplies Distributors                   3   Maximum of 5 autos.
                                                                      This class is eligible for excess GL only. Auto
10071 Automobile Parts and Supplies Stores                       2
                                                                      Liability Exclusion CUP 313.
10072 Automobile Quick Lubrication Services                       2   No repair
60035 Automobile Renting or Leasing Companies                    NQ
                                                                      75% new cars sales and NO leasing. Service/Repair
10073 Automobile Sales, Repair or Service Shops                  3    work only on vehicles that qualify for program. No
                                                                      work on XHVY or TT.
10075   Automobile Repair Shops - self-service                   NQ
51305   Baby Food Mfg.                                           NQ
51300   Baby Food Mfg. - in glass containers                     NQ
10100   Bakeries                                                  2
51315   Bakery Plants                                             2   Maximum of 5 autos.
10111   Barber or Beauty Shop Supplies Distributors               2   Maximum of 5 autos.
10113   Barber Shops                                              1
10120   Bathhouses or Bathing Pavilions                          NQ
51330   Battery Mfg. - dry cell                                  NQ
51333   Battery Mfg. - wet cell or storage                       NQ
                                                                      Products - Completed Operations Hazard Exclusion
10130 Bazaars - operated by insd. - for profit                   2
                                                                      CUP-383
                                                                      Products - Completed Operations Hazard Exclusion
10132 Bazaars – operated by the insured – Not-For-Profit only    2
                                                                      CUP-383
10133 Beach Chairs and Umbrellas-rented to others                NQ
10135 Beaches - bathing-commercially operated                    NQ
40072 Beaches - bathing-not commercially operated                NQ
51340 Bearing Mfg.                                               NQ
10115 Beauty Parlors and Hair Styling Salons                      1   Professional Liability Exclusion CUP-384
51350 Beer, Ale or Malt Liquor Mfg. - in bottles                 NQ
51351 Beer, Ale or Malt Liquor Mfg. - in cans                    NQ
51352 Beer, Ale or Malt Liquor mfg. - not bottled or canned      NQ
      Beverage Bottler - soft drinks - carbonated - in cans or
51355                                                            NQ
      plastic bottles
51356 Beverage Bottler - soft drinks - carbonated - in bottles   NQ
51357 Beverage Bottler - soft drinks - in metal cylinders        NQ
51358 Beverage Bottler - soft drinks - in paper containers       NQ
51359 Beverage Bottler - soft drinks - not carbonated            NQ
                                                                      This class is eligible for excess GL only. Auto
10140 Beverage Distributors - alcoholic other than beer          2
                                                                      Liability Exclusion CUP 313.
                                                                      This class is eligible for excess GL only. Auto
10141 Beverage Distributors - nonalcoholic and beer              2
                                                                      Liability Exclusion CUP 313.
10145   Beverage Stores - liquor and wine                         2
10146   Beverage Stores - soft drinks and beer                    2
51370   Bicycle Mfg. - not motorized                             NQ
10150   Bicycle Stores - sales and service                       NQ
10151   Bicycles - rented to others                              NQ
10160   Billiard or Pool Halls                                    2
51380   Billiard or Pool Table Mfg.                              NQ
40075 Bingo Games - in public halls - commercially operated      NQ
91200   Blacksmithing                                             2
91210   Blasting Operations                                      NQ
40101   Blood Banks - Other Than Not For Profit                  NQ
40102   Blood Banks – Not For Profit Only                        NQ
61000   Boarding or Rooming Houses                               NQ
51400   Boat or Ship Building-Inboard & inboard/outboard         NQ
51401   Boat or Ship Building-Without motors                     NQ
10101   Boat Dealers                                             NQ
91235   Boat Repair and Servicing                                NQ
10105   Boat Storage and Moorage                                 NQ
10107   Boat Yards or Marinas-public                                NQ
10110   Boats-canoes or row-boats-for rent-no motors                NQ
40111   Boats-canoes or row-boats-not for rent-no motors            NQ
40115   Boats-motor or sail-not for rent                            NQ
10117   Boats-motor or sail-rented to others                        NQ
40140   Boats-nonowned over 26 feet                                 NQ
40117   Boats-not for rent                                          NQ
10119   Boats-rented to others                                      NQ
91250   Boiler Inspection, Installation, Cleaning or Repair         NQ
51500   Bolt, Nut, Rivet, Screw or Washer Mfg.                      NQ
51517   Bookbinding - not for profit only                            1
51516   Bookbinding - other than not for profit                      1
10205   Books and Magazines Stores - not for profit                  1
10204   Books and Magazines Stores - for profit                      1
51550   Bottle & Jar Mfg. - glass - not pressure                    NQ
        Bottle & Jar Mfg.-glass-for use under pressure-
51551                                                               NQ
        nonreturnable
        Bottle & Jar Mfg.-glass-for use under pressure-
51552                                                               NQ
        returnable
51553   Bottle & Jar Mfg. - plastic - nonreturnable                 NQ
51554   Bottle & Jar Mfg. - plastic - returnable                    NQ
10220   Bowling Lanes                                                2
51575   Boxes or Containers Mfg. - corrugated or fiberboard         NQ
51576   Boxes or Containers Mfg. - wood                             NQ
41001   Boy or Girl Scout Councils                                  NQ
51600   Brick Mfg.                                                  NQ
91266   Bridge or Elevated Hwy Construction-concrete                NQ
91265   Bridge or Elevated Hwy Construction-iron or steel           NQ
51613   Brush or Broom Mfg.                                         NQ
10256   Building Material Dealers-secondhand material               NQ
        Building Material Dealers – other than secondhand
10255                                                               NQ
        material
10257   Building Material Distributors                              NQ
91280   Building Structure-raising or moving                        NQ
61223   Building or Premises - bank                                  1   Financial Institutions Endorsement CUP-339
61216   Building or Premises - LRO - not for profit                  1
61212   Building or Premises - LRO - for profit                      1
61218   Building or Premises - LRO - maint - not for profit          1
61217   Building or Premises - LRO - maintained - for profit         1
61227   Building or Premises - office - not for profit only          1
61226   Building or Premises - office - other than not for profit    1
61225   Building or Prem - office - insd. occ - not for profit       1
61224   Building or Premises - office - insd. occ - for profit       1
51625   Bus Mfg. or Assembling or Reconstruction                    NQ
41210   Bus Stations or Terminals                                   NQ
51666   Buttons or Fasteners Mfg.                                   NQ
91302   Cable Installation in Conduits or Subways                   NQ
                                                                         Broadcasting or Telecasting Activities Exclusion
91315 Cable or Subscription Television Companies                    3
                                                                         CUP-318
91324 Caisson or Cofferdam Work-foundations for bldgs.              NQ
      Caisson or Cofferdam Work-not foundations for
91325                                                               NQ
      buildings.
10309 Camera and Photographic Equipment Stores                       1
51702 Camper Bodies or Camper Trailers Mfg.                         NQ
10315 Camper or Travel Trailer Sales Agencies                       NQ
51703 Campers Mfg.-self-powered                                     NQ
10331 Campgrounds - Other than not for profit                        2   No pools or lakes.
10332   Campgrounds - not for profit only                            2   No pools or lakes.
41421   Camps-for profit                                            NQ
41422   Camps-not for profit                                        NQ
51734   Can Mfg. - metal                                            NQ
51741   Candle Mfg.                                                 NQ
51752   Candy or Confectionary Products Mfg.                        NQ
10352   Candy or Confectionary Stores                                1
10367   Car Washes - other than self-service                        NQ
10368   Car Washes - self-service                                   NQ
51767   Carbon Paper or Inked Ribbon Mfg.                           NQ
10375   Carnival or Circus Companies                                NQ
        Carnivals or Circuses-in tents (sponsor's risk only)
10380                                                               NQ
        Other than Not For Profit
        Carnivals or Circuses-in tents (sponsor's risk only) Not-
10381                                                               NQ
        For-Profit only
        Carnivals-outside (sponsor's risk only)-Other than Not
10378                                                               NQ
        For Profit
        Carnivals-outside (sponsor's risk only)-Not-For-Profit
10379                                                               NQ
        only
                                                                         Contractors' endorsements apply; Contractor's
91342 Carpentry                                                     3
                                                                         Supplemental App required
                                                                         Contractors' endorsements apply; Contractor's
91341 Carpentry - interior                                          2
                                                                         Supplemental App required
        Carpentry - construction of residential property not             Contractors' endorsements apply; Contractor's
91340                                                               3
        exceeding three stories                                          Supplemental App required
91343   Carpentry - shop only                                        2
51777   Carpet or Rug Mfg.                                          NQ
11007   Carpet, Rug or Upholstery Cleaning - shop only               2
        Carpet, Rug, Furniture or Upholstery Cleaning - on
91405                                                               2
        customers' premises
11020   Catalog or Premium Coupon Redemption Stores                  1
11039   Caterers                                                     2
51790   Caulking Compounds, Putty or Similar Products Mfg.          NQ
41510   Caves-tourist attraction                                    NQ
                                                                         Contractors' endorsements apply; Contractor's
91436 Ceiling or Wall Installation - metal                          2
                                                                         Supplemental App required
51796   Cellophane and Cellophane Products Mfg.                     NQ
51809   Cement or Plaster Mfg. - bulk                               NQ
51808   Cement, Concrete Mix or Plaster Mfg. - packaged             NQ
41603   Cemeteries - Other than not for profit                      NQ
41604   Cemeteries - not for profit only                            NQ
11052   Chairs - rented to others                                   NQ
51833   Charcoal or Coal Briquette Mfg.                             NQ
11101   Chemical Distributors                                       NQ
        Chemical Mfg. household-primarily toxic or presenting a
51857                                                               NQ
        health hazard
51850   Chemical Mfg.-commercial or industrial                      NQ
        Chemical Mfg.-commercial or industrial-primarily
51852                                                               NQ
        flammable, explosive or reactive
        Chemical Mfg.-commercial or industrial-primarily toxic or
51853                                                               NQ
        presenting a health hazard
        Chemical Mfg.-commercial or industrial-toxic and either
51851                                                               NQ
        flammable, explosive or reactive
51855   Chemical Mfg.-household                                     NQ
        Chemical Mfg.-household-primarily flammable,
51856                                                               NQ
        explosive or reactive
        Chemical Mfg.-household-toxic and either flammable,
51854                                                               NQ
        explosive or reactive
11120 Childrens Playcenter – indoor                                  NQ
91481 Chimney Cleaning                                               NQ
51869 China, Porcelain or Earthenware Mfg.                           NQ
41650 Churches or Other Houses of Worship                            NQ
91507 Clay or Shale Digging                                          NQ
51877 Clay Products Mfg                                              NQ
91523 Cleaning or Renovating-outside surfaces of bldgs.              NQ
51889 Clock Mfg.                                                      1   Aircraft Products & Grounding Exclusion CUP-303
51896 Clothing Mfg.                                                  NQ
11126 Clothing or Wearing Apparel Distributors                        2   No private label products. Maximum of 5 autos.
      Clothing or Wearing Apparel Stores - Other than Not-
11127                                                                1    No private label products
      For-Profit
11128 Clothing or Wearing Apparel Stores - not for profit only       1    No private label products
        Club - civic, service or social - no buildings or premises
41669                                                                2    No fraternities or sororities
        owned or leased - for profit
        Club - civic, service or social - no buildings or premises
41670                                                                2    No fraternities or sororities
        owned or leased - not for profit
        Club - civic, service or social - having bldgs or premises
41667                                                                2    No fraternities or sororities
        owned or leased - for profit
        Club - civic, service or social - having bldgs or premises
41668                                                                2    No fraternities or sororities
        owned or leased - not for profit only
41665   Club - racket sports and handball                            2
11138   Clubs - country or golf                                      2
        Clubs-horseback riding-no commercial riding
41664                                                                NQ
        instructions
41666   Clubs-swimming                                               NQ
51900   Coffins or Caskets Mfg.                                       2
11155   Collectibles and Memorabilia Stores                           1
51909   Coke Mfg.                                                    NQ
51919   Color or Pigment Preparation                                 NQ
91547   Commissary Work                                              NQ
91551 Communication Equipment Installation - ind. or comml.          3
        Communication or Recording Systems or Equip Mfg. -
51926                                                                NQ
        industrial or commercial
        Communication or Recording Systems or Equip. Mfg.-
51927                                                                NQ
        Other than industrial or commercial
        Community Recreational Facilities – not operated by
41678                                                                NQ
        governmental agency
51934   Composition Goods Mfg.-Not floor Coverings                   NQ
41675   Computer Consulting or Programming                            2   Professional Liability Exclusion CUP-384 applies
43152   Computer Data Processing – time sharing                       3   Professional Liability Exclusion CUP-384 applies
43151   Computer Data Processing – operations                         3   Professional Liability Exclusion CUP-384 applies
51941   Computer Mfg.                                                NQ
91555   Computer Service or Repair                                    2
51942   Computer Software Mfg. – Pre-packaged                        NQ
11160   Computer Stores                                               2
11168   Concessionaries                                               2
        Concessionaries - checkroom, shoeshine, or toilet
11167                                                                1
        concessions in hotels, etc.
                                                                          Contractors' endorsements apply; Contractor's
91560 Concrete Construction                                          3
                                                                          Supplemental App required
        Concrete or Cement Distributing Towers-rented to
91562                                                                NQ
        others-installation, repair or removal operations only
51957 Concrete or Plaster Products Mfg. - not structural             NQ
51958 Concrete Products Mfg.-prestressed                             NQ
51959 Concrete Products Mfg.-structural                             NQ
51956 Concrete-mixed in transit                                     NQ
      Condominiums - commercial - bank, mercantile,                      If D & O covered in U/L, can provide following form
62000                                                               2
      manufacturing or office, etc.                                      D&O Coverage
      Condominiums - commercial shopping centers                         If D & O covered in U/L, can provide following form
62001                                                               2
      (association risk only)                                            D&O Coverage
      Condominiums - commercial warehouses-                              If D & O covered in U/L, can provide following form
62002                                                               2
      manufacturing or private (association risk only)                   D&O Coverage; 3 stories max
                                                                         If D & O covered in U/L, can provide following form
62003 Condominiums - residential (association risk only)            2    D&O Coverage; 3 stories max; Habitational Supp
                                                                         App required; no subsidized housing, HUD, etc
91577 Conduit Construction for Cables or Wires                      NQ
41677 Consultants                                                    2   Professional Liability Exclusion CUP-384 applies
                                                                         Contractors' endorsements apply; Contractor's
91600 Construction or Project Manager                               3
                                                                         Supplemental App required
51960 Contact Lenses Mfg.                                           NQ
94444 Contractors-NOC

        Contractors – subcontracted work – in connection with
91582                                                               NQ
        building construction, reconstruction, repair or erection
        – apartment or office buildings over four stories
                                                                         Contractors' endorsements apply; Contractor's
91585 Contractors - subcontracted work - buildings                  3
                                                                         Supplemental App required
      Contractors – subcontracted work – in connection with
91583 building construction, reconstruction, repair or erection     NQ
      – one or two family dwellings
                                                                         Contractors' endorsements apply; Contractor's
91584 Contractors - subcontracted work - industrial buildings       3
                                                                         Supplemental App required
      Contractors Equipment Dealers-ladders, excluding
11203                                                               NQ
      hoists, scaffolds or towers
      Contractors Equipment Dealers-ladders, hoists,
11204                                                               NQ
      scaffolds or towers
      Contractors Equipment-cranes, derricks, power shovels
11201 and equipment incidental thereto-rented to others with        NQ
      operators
      Contractors Equipment-cranes, derricks, power shovels
11202 and equipment incidental thereto-rented to others             NQ
      without operators
      Contractors Equipment-earth moving equipment other
11205 than cranes, derricks and power shovels-rented to             NQ
      others with operators
      Contractors Equipment-earth moving equipment other
11206 than cranes, derricks and power shovels-rented to             NQ
      others without operators
        Contractors Equipment-excluding automobiles-rented to
11207                                                               NQ
        others with operators
        Contractors Equipment-excluding automobiles-rented to
11208                                                               NQ
        others without operators
        Contractors Equipment-hod and material platform hoists
11209   and equipment incidental thereto-rented to others with      NQ
        operators
        Contractors Equipment-hod and material platform hoists
11210   and equipment incidental thereto-rented to others           NQ
        without operators
        Contractors Equipment-ladders, scaffolds, scaffolding,
11211   sidewalks, bridges, towers and equipment incidental         NQ
        thereto-rented to others
      Contractors Equipment-scaffolds, sidewalks, bridges,
11212 hod or material hoist towers-rented to others-               NQ
      installation, repair or removal operations only
      Contractors Equipment-steam boilers, compressors, air
11213 pressure tanks, pneumatic tools and equipment                NQ
      incidental thereto-rented to others with operators
      Contractors Equipment-steam boilers, compressors, air
11214 pressure tanks, pneumatic tools and equipment                NQ
      incidental thereto-rented to others without operators
                                                                        Contractors' endorsements apply; Contractor's
91580 Contractors Executive Supervisors or Superintendents         3
                                                                        Supplemental App required
94444 Contractors NOC                                              NQ
      Contractors Permanent Yards - maintenance or storage              Contractors' endorsements apply; Contractor's
91590                                                              3
      of equipment or materials                                         Supplemental App required
      Contractors-subcontracted work-in connection with
91581 construction, reconstruction, erection or repair-not         NQ
      buildings
      Contractors-subcontracted work-in connection with
91588 bridge, tunnel or elevated street or highway                 NQ
      construction, reconstruction or repair

        Contractors-subcontracted work-in connection with oil
91586                                                              NQ
        and gas field construction, reconstruction or repair

      Contractors-subcontracted work-in connection with
91587 pipeline (other than oil or gas), or communication or        NQ
      power line construction, reconstruction or repair
        Contractors-subcontracted work-in connection with
91589                                                              NQ
        street or highway construction, or repair, not elevated
41672   Conventions (sponsor's risk only) -For Profit              NQ
41673   Conventions (sponsor's risk only) -Not-For-Profit          NQ
41680   Convents or Monasteries                                     2
11222   Copying and Duplicating Services - retail                   1
11234   Cosmetic, Hair or Skin Preparation Stores                   1
        Cotton Gin Operations – other than those performed for
41679                                                              NQ
        a fee per bale
51970   Cosmetics Mfg.                                             NQ
51982   Cotton Batting, Wadding or Waste Mfg.                      NQ
51985   Cotton Compressing                                         NQ
51986   Cotton Gin Operations                                      NQ
11248   Cotton or Wool Merchants                                   NQ
41696   Crematories - for profit                                   NQ
41697   Crematories - not for profit                               NQ
91606   Crop Spraying-by contractors                               NQ
51999   Cutlery and Flatware Mfg.                                  NQ
52002   Dairy Products Mfg.                                        NQ
        Dairy Products or Butter and Egg Stores - Other than
11258                                                              1
        not for profit
        Dairy Products or Butter and Egg Stores - not for profit
11259                                                              1
        only
91618   Dam or Reservoir Construction                              NQ
41700   Dam, Levee or Dike-existence hazard only                   NQ
        Dance Halls, Ballrooms or Discos - Other than Not For
11273                                                              NQ
        Profit
11274 Dance Halls, Ballrooms or Discos - Not-For-Profit only       NQ
41715 Day Care Centers-Other than Not For Profit                   NQ
41716 Day Care Centers-Not-For-Profit only                         NQ
                                                                        Contractors' endorsements apply; Contractor's
91629 Debris Removal-construction site                             3
                                                                        Supplemental App required
11288 Delicatessens                                                 1
12014 Dental Laboratories                                           1
12356 Department or Discount Stores                                 1
91636 Detective or Investigative Agencies-private                  NQ
52076 Detergent Mfg. - other than household                        NQ
52075 Detergent Mfg. - household                                   NQ
52109 Dextrine Mfg.                                                NQ
46112 Diagnostic Testing Laboratories                              NQ
52137 Die Casting Mfg.                                             NQ
91641 Dike, Levee or Revetment Construction                        NQ
52150 Distillation or Extraction                                   NQ
12361 Distributors - food or drink                                  2   Maximum of 5 autos.
12362 Distributors - no food or drink                               2   Maximum of 5 autos.
91666 Diving-Marine                                                NQ
91722 Dock Operations-coal, grain or ore                           NQ
52134 Door or Window Mfg. - other than wood                        NQ
52135 Door or Window Mfg. - wood                                   NQ
      Door, Window or Assembled Millwork - installation -
91746                                                              NQ
      metal
                                                                        Engineers, Architects or Surveyors Professional
91805 Draftsmen                                                    1
                                                                        Liability Exclusion CUP-334
43007   Drawbridges-existence hazard only                          NQ
92055   Dredging                                                   NQ
92053   Dredging-gold-endless bucket or ladder type                NQ
92054   Dredging-gold-floating dragline type                       NQ
92101   Drilling - other than water                                NQ
92102   Drilling-water                                             NQ
        Driveway, Parking Area or Sidewalk - paving or                  Contractors' endorsements apply; Contractor's
92215                                                              3
        repaving                                                        Supplemental App required
12373   Drug Distributors                                          NQ
52341   Drug Mfg.-biological products                              NQ
        Drug, Medicine or Pharmaceutical Preparations Mfg. -
52343                                                              NQ
        other than for animal use
        Drug, Medicine or Pharmaceutical Preparations Mfg.-for
52342                                                              NQ
        animal use
12375   Drugstores                                                 1
        Drugstores - no table or counter service for beverage or
12374                                                              1
        food
52401   Drums or Containers Mfg.-metal                             NQ
52402   Drums or Containers Mfg.-plastic                           NQ
                                                                        Contractors' endorsements apply; Contractor's
92338 Dry Wall or Wallboard Installation                           2
                                                                        Supplemental App required
43117 Dude Ranches                                                 NQ
                                                                        3 stories max; Habitational Supp App required; no
63013 Dwellings - four family (lessors risk only)                  2
                                                                        subsidized housing, HUD, etc
                                                                        3 stories max; Habitational Supp App required; no
63010 Dwellings - one family (lessors risk only)                   2
                                                                        subsidized housing, HUD, etc
                                                                        3 stories max; Habitational Supp App required; no
63012 Dwellings - three family (lessors risk only)                 2
                                                                        subsidized housing, HUD, etc
                                                                        3 stories max; Habitational Supp App required; no
63011 Dwellings - two family (lessors risk only)                   2
                                                                        subsidized housing, HUD, etc
92445 Electric Light or Power Companies                            NQ
      Electric Light or Power Cooperatives-Rural Utilities
92453                                                              NQ
      Service projects
92446 Electric Light or Power Line Construction                    NQ
        Electric Light or Power Line Construction-Rural Utilities
92447                                                               NQ
        Service projects
                                                                         Contractors' endorsements apply, Contractor's
92451 Electrical Apparatus - installation, servicing or repair      3
                                                                         Supplemental App required
                                                                         This class is eligible for excess GL only. Auto
12391 Electrical Equipment Distributors                             2
                                                                         Liability Exclusions CUP 313.
52432 Electrical Equipment Mfg.                                     NQ
      Electrical Equipment Mfg.-for direct and indirect
52433                                                               NQ
      application to the body
52435 Electrical Generating Machinery Mfg.                          NQ
52438 Electrical Parts, Components or Accessories Mfg.              NQ
      Electrical Power Distribution or Transmission Equipment
52440                                                               NQ
      Mfg.
52467 Electrical Wire or Cable Mfg.                                 NQ
                                                                         Contractors' endorsements apply; Contractor's
92478 Electrical Work - within buildings                            2
                                                                         Supplemental App required
52469   Electronic Components Mfg.                                  NQ
43151   Electronic Data Processing Operations                       NQ
43152   Electronic Data Processing-time-sharing                     NQ
52505   Electronic Games Mfg.                                       NQ
12393   Electronics Store                                            1
52547   Electroplating                                               2   Aircraft Products & Grounding Exclusion CUP-303
        Elevator or Escalator Inspecting, Installation, Servicing
92593                                                               NQ
        or Repair
52581   Elevator Mfg                                                NQ
43200   Employment Agencies                                         NQ
52619   Engine or Turbine Mfg.-not aircraft                         NQ
        Engineers or Architects – consulting – not engaged in            Engineers, Architects or Surveyors Professional
92663                                                               2
        actual construction                                              Liability Exclusion CUP-334 applies
52660   Engraving                                                    1   Aircraft Products & Grounding Exclusion CUP-303
43215   Entertainment Performed on Others Premises                  NQ
        Equipment, Fixtures or Supplies – bars, hotels, offices,
12467                                                               2
        restaurants
52744   Escalator or Moving Sidewalk Mfg.                           NQ
                                                                         Contractors' endorsements apply; Contractor's
94007 Excavation                                                    3
                                                                         Supplemental App required
52767 Exercise or Playground Equipment Mfg.                         NQ
      Exhibition or Convention Buildings – other than not for
63215                                                               NQ
      profit
63216 Exhibition or Convention Buildings – not for profit only      NQ
      Exhibitions-in buildings.-no admission charged-Other
63219                                                               NQ
      than Not For Profit
63217 Exhibitions-in buildings-Other than Not For Profit            NQ
      Exhibitions-in buildings-no admission charged-Not-For-
63220                                                               NQ
      Profit only
63218 Exhibitions-in buildings-Not-For-Profit only                  NQ
      Exhibitions-outside-in stadiums or on premises having
      grandstands or bleachers not erected by or for the
43421                                                               NQ
      insured-ushers or other attendants in stands not
      provided by the insured
      Exhibitions-outside-in stadiums or on premises having
43422 grandstands or bleachers-ushers or other attendants in        NQ
      stands provided by the insured
43424 Exhibitions-outside-no stadiums or grandstands                NQ
52876 Explosive or Fireworks Mfg.                                   NQ
94099 Express Companies                                             NQ
52911   Extracts Mfg.                                            NQ
52967   Eye Glass Lens Mfg.                                      NQ
12509   Fabric Distributors                                       2   Maximum of 5 autos.
12510   Fabric Stores                                             1
43517   Fair Grounds-non-operating season                        NQ
43518   Fairs-outside (operator's risk only)                     NQ
94225   Farm Machinery Operations-by contractors                 NQ
53001   Feed Mfg.                                                NQ
12583   Feed, Grain or Hay Dealers                               NQ
12651   Fence Dealers                                             3
                                                                      Contractors' endorsements apply; Contractor's
94276 Fence Erection Contractors                                 3
                                                                      Supplemental App required
12683   Fertilizer Dealers and Distributors                      NQ
53077   Fertilizer Mfg.                                          NQ
53095   Fiber Mfg. - other than synthetic                        NQ
53096   Fiber Mfg.-synthetic                                     NQ
53121   Fiberglass Mfg.                                          NQ
43550   Fire Departments - other than volunteer                  NQ
43551   Fire Departments-volunteer                               NQ
94304   Fire Extinguishers – servicing, refilling or testing      3
53147   Fire Extinguishers Mfg.                                  NQ
12707   Fire Protection Equipment Dealers & Distributors         NQ
        Fire Suppression Systems - installation, servicing, or
94381                                                            NQ
        repair
53229   Fire Suppression Systems Mfg.                            NQ
53271   Firearms Mfg.                                            NQ
94404   Fireproofing-structures                                  NQ
43626   Fireworks Exhibitions-(contractor's risk only)           NQ
43628   Fireworks Exhibitions-(sponsor's risk only)-For Profit   NQ
        Fireworks Exhibitions-(sponsor's risk only)-Not-For-
43629                                                            NQ
        Profit only
43754   Fishing Piers                                            NQ
43760   Fishing Ponds or Lakes-commercially operated             NQ
12797   Floor Covering Distributors                               2   Maximum of 5 autos.
                                                                      Contractors' endorsements apply; Contractor's
94569 Floor Covering Installation – not ceramic tile or stone    2
                                                                      Supplemental App required
        Floor Covering Mfg.– not carpets, rugs, ceramic or
53333                                                            2    Aircraft Products & Grounding Exclusion CUP-303
        stone tiles
12805   Floor Covering Stores                                     1
94590   Floor Waxing                                              3
12841   Florists                                                  1   No non-owned delivery exposure
53374   Food Products Mfg.-dry                                   NQ
53375   Food Products Mfg.-frozen                                NQ
53376   Food Products Mfg.-not dry-in glass containers           NQ
        Food Products Mfg.-not dry-in other than glass
53377                                                            NQ
        containers
43822   Forestry Service                                         NQ
53403   Forging Work                                             NQ
12927   Formal Wear or Costumes - rented to others                3
53425   Foundries                                                NQ
        Freight Forwarders or Handlers - other than packing,
94617                                                            NQ
        handling or shipping explosives
        Freight Forwarders or Handlers-packing, handling or
94638                                                            NQ
        shipping explosives or ammunition under contract
13049   Frozen Food - distributors                                2   Maximum of 5 autos.
13111   Fruit or Vegetable Dealers                               NQ
13112   Fruit or Vegetable Distributors                           2   Maximum of 5 autos.
        Fruit or Vegetable Juice Mfg.-no bottling of carbonated
53565                                                                NQ
        beverages
43840   Fruit or Vegetable-harvesting contractors                    NQ
13201   Fuel Dealers or Distributors - coal or wood                  NQ
13204   Fuel Oil or Kerosene Dealers                                 NQ
13205   Fuel Oil or Kerosene Distributors                            NQ
43860   Fumigating                                                   NQ
43889   Funeral Homes or Chapels                                     NQ
13314   Fur - garments and pelts - distributors                      NQ
53631   Fur Garment Mfg.                                             NQ
53632   Fur or Pelt Processing                                       NQ
53732   Furniture Mfg. or Assembling - other than wood               NQ
53733   Furniture Mfg. or Assembling - wood                          NQ
53731   Furniture Mfg. or Assembling-infants                         NQ
        Furniture or Fixtures - installation in offices or stores-
95124                                                                2
        portable-metal or wood
        Furniture or Woodwork Stripping, Refinishing or
53734                                                                NQ
        Repairing-shop only
13351   Furniture Stores - other than not for profit                  1
13352   Furniture Stores - not for profit only                        1
53803   Galvanizing or Tinning                                       NQ
43990   Gambling – casinos                                           NQ
43945   Garbage or Refuse Dumps                                      NQ
        Garbage Works-separation for recycling, reduction or
43946                                                                NQ
        incineration
95233   Garbage, Ash or Refuse Collecting                            NQ
95305   Gas Companies                                                NQ
95306   Gas Companies-natural gas-local distribution                 NQ
13411   Gas Dealers or Distributors                                  NQ
13410   Gas Dealers-LPG                                              NQ
13412   Gas Distributors-LPG                                         NQ
95310   Gas Mains or Connections Construction                        NQ
53903   Gas Manufacturing - other                                    NQ
53902   Gas Manufacturing-inert                                      NQ
        Gas Manufacturing-primarily flammable, explosive or
53904                                                                NQ
        reactive
        Gas Manufacturing-primarily toxic or presenting a health
53905                                                                NQ
        hazard
        Gas Manufacturing-toxic and either flammable,
53901                                                                NQ
        explosive or reactive
53907   Gasoline Distributors                                        NQ
44009 Gasoline or Oil Supply Stations-retail-(lessor's risk only)    NQ
44010 Gasoline Recovery-from casing head or natural gas              NQ
13453 Gasoline Stations - full service                                2
13455 Gasoline Stations - self and full service combined              3
13454 Gasoline Stations - self-service                                3
54012 Gemstone Cutting or Polishing                                   1
95357 Geophysical Exploration - other                                NQ
95358 Geophysical Exploration-seismic method                         NQ
13506 Gift Shops - other than not for profit                          1
13507 Gift Shops - not for profit only                                1
13590 Glass Dealers and Glaziers                                      2
54077 Glass or Glassware Manufacturing                               NQ
44069 Golf Courses - miniature                                       NQ
      Golf Courses - municipal or public - not golf or country
44070                                                                3
      clubs
44071 Golf Driving Ranges                                            NQ
44072 Golfmobiles - loaned or rented                                NQ
                                                                         Contractors' endorsements apply; Contractor's
95410 Grading of Land                                               3
                                                                         Supplemental App required
95455   Grain Elevator Operations                                   NQ
13621   Grain Milling                                               NQ
44193   Grandstands or Bleachers-Other than Not For Profit          NQ
44194   Grandstands or Bleachers-Not-For-Profit only                NQ
                                                                         Contractors' endorsements apply; Contractor's
95487 Greenhouse Erection                                           3
                                                                         Supplemental App required
13670   Grocery Distributors                                         2   Maximum of 5 autos.
13673   Grocery Stores                                               1   No non-owned delivery exposure
44222   Guides or Outfitters                                        NQ
95505   Guniting or Shot-Crete                                      NQ
95620   Gunsmiths                                                   NQ
44276   Halls-Other than Not For Profit                             NQ
44277   Halls-Not-For-Profit only                                   NQ
                                                                         Contractors' endorsements apply; Contractor's
95625 Handyperson                                                   2
                                                                         Supplemental App required
13715 Hardware and Tool Distributors                                 3   Maximum of 5 autos.
13716 Hardware Stores                                                2   No non-owned delivery exposure
95630 Hazardous Material Contractors                                NQ
      Health Care Facilities-alcohol and drug-Other than Not
44427                                                               NQ
      For Profit
      Health Care Facilities-alcohol and drug-Not-For-Profit
44428                                                               NQ
      Only
      Health Care Facilities-clinics, dispensaries or infirmaries
44439 treating outpatients only-no regular bed and board            NQ
      facilities-For Profit
      Health Care Facilities-clinics, dispensaries or infirmaries
44440 treating outpatients only-no regular bed and board            NQ
      facilities-Not-For-Profit
        Health Care Facilities-convalescent or nursing homes-
44429                                                               NQ
        not mental-psychopathic institutions-For Profit

        Health Care Facilities-convalescent or nursing homes-
44430                                                               NQ
        not mental-psychopathic institutions-Not-For-Profit
44431 Health Care Facilities-homes for the aged-For Profit          NQ
44432 Health Care Facilities-homes for the aged-Not-For-Profit      NQ
        Health Care Facilities-homes for the physically
44433                                                               NQ
        handicapped or orphaned-For Profit
        Health Care Facilities-homes for the physically
44434                                                               NQ
        handicapped or orphaned-Not-For-Profit
44435   Health Care Facilities-hospitals-For Profit                 NQ
44436   Health Care Facilities-hospitals-Not-For-Profit             NQ
        Health Care Facilities-mental-psychopathic institutions-
44437                                                               NQ
        For Profit
        Health Care Facilities-mental-psychopathic institutions-
44438                                                               NQ
        Not-For-Profit
44311   Health or Exercise Clubs                                    3
44315 Health or Exercise Facilities – commercially operated         3
13720 Health or Natural Food Stores                                 1
13759 Hearing Aid Stores                                            1
      Heating & Air Conditioning Equip. - dealers or
13930                                                               3    Maximum of 5 autos.
      distributors
      Heating & Air Conditioning Equip. - inst. & repair - no            Contractors' endorsements apply; Contractor's
95647                                                               3
      LPG                                                                Supplemental App required
                                                                           Contractors' endorsements apply; Contractor's
95648 Heating & Air Conditioning Equip. - installation & repair       3
                                                                           Supplemental App required
55010 Heating Equipment Mfg.-coal or wood                             NQ
55011 Heating Equipment Mfg.-electric                                 NQ
55012 Heating Equipment Mfg.-fuel oil or kerosene                     NQ
55013 Heating Equipment Mfg.-gas or liquefied petroleum gas           NQ
14068 Hide Dealers and Distributors - raw                             NQ
14101 Hobby, Model Maker or Artist's Supply Stores                     1
44500 Home Health Care Services – Not-For-Profit only                 NQ
44501 Home Health Care Services – Other than Not-For-Profit           NQ

                                                                           Contractors' endorsements apply; Contractor's
14279 Home Improvement Stores                                         3    Supplemental App required; No owned or non-
                                                                           owned delivery exposure
55214 Hone, Oilstone or Whetstone Mfg.                                NQ
55371 Honey Extracting                                                 1
                                                                           Hotel/Motel must be 3 stories or less. Hotel
64074 Hotels and Motels - less than 4 stories - LRO                   3    Supplemental required. CUP307 Assault and
                                                                           Battery Exclusion applies.
64075 Hotels and Motels - 4 stories or more - LRO                     NQ
                                                                           Hotel/Motel must be 3 stories or less. Hotel
        Hotels and Motels - w/o pools or beaches- less than 4
45192                                                                 2    Supplemental required. CUP307 Assault and
        stories
                                                                           Battery Exclusion applies.
        Hotels and Motels - w/o pools or beaches - 4 stories or
45193                                                                 NQ
        more
                                                                           Hotel/Motel must be 3 stories or less. Hotel
        Hotels and Motels - with pools or beaches - less than 4
45190                                                                 3    Supplemental required. CUP307 Assault and
        stories
                                                                           Battery Exclusion applies.
        Hotels and Motels - with pools or beaches - 4 stories or
45191                                                                 NQ
        more
96053   House Furnishings Installation                                 2
64500   Housing Projects-federal, state, local                        NQ
45224   Hunting Preserves - Other than Not For Profit                 NQ
45225   Hunting Preserves - Not-For-Profit only                       NQ
14401   Ice Cream Stores                                               1
14405   Ice Dealers and Distributors                                   2   Maximum of 5 autos.
55410   Importers                                                     NQ
55426   Ink Mfg.                                                      NQ
55597   Inner Tubes Mfg.                                              NQ
        Inspection and Appraisal Companies - inspecting for
96317                                                                 2
        insurance or valuation
55649   Instrument Mfg.                                               NQ
        Instrument Mfg.-analytical, calibrating, measuring,
55647                                                                 NQ
        testing or recording
55648   Instrument Mfg.-control                                       NQ
55715   Insulating Material Mfg.-mineral                              NQ
55716   Insulating Material Mfg.-organic                              NQ
55718   Insulating Material Mfg.-plastic                              NQ
        Insulating Material Mfg.-plastic-for application in a solid
55717                                                                 NQ
        state
96408   Insulation Work - plastic                                     NQ
96410   Insulation Work-mineral                                       NQ
96409   Insulation Work-organic or plastic in solid state             NQ
45334   Insurance Agents                                              NQ
96611   Interior Decorators                                            1
47600   Internet Access Providers                                     NQ
16750   Internet Retailers                                        1
47610   Internet Service Providers                               NQ
96702   Irrigation or Drainage System Construction               NQ
96703   Irrigation Works Operations                              NQ
96816   Janitorial Services                                       3   No window cleaning over 3 stories
14527   Janitorial Supplies - dealers or distributors             3   Maximum of 5 autos.
96872   Jetty or Breakwater Construction                         NQ
55802   Jewelry Mfg.                                             NQ
14655   Jewelry Stores or Distributors                            1
45380   Junk Dealers                                             NQ
45450   Kennels - breeding, boarding or sales                     3
65007   Labor Union Offices                                      NQ
        Laboratories-research, development or testing-Other
97002                                                            NQ
        Than Not For Profit
        Laboratories-research, development or testing-Not-For-
97003                                                            NQ
        Profit Only
55918   Ladder Mfg. - other than wood                            NQ
55919   Ladder Mfg.-wood                                         NQ
        Lakes or Reservoirs-existence hazard only-Other than
45523                                                            NQ
        Not For Profit
        Lakes or Reservoirs-existence hazard only-Not-For-
45524                                                            NQ
        Profit Only
56040   Lamp Shade Mfg.                                          NQ
56042   Lamps or Lanterns Mfg. - other than electric             NQ
56041   Lamps or Lanterns Mfg. - electric                        NQ
        Land - occupied by persons other than the insured for
45539                                                            1
        business purposes
                                                                      Contractors' endorsements apply; Contractor's
97047 Landscape Gardening                                        3
                                                                      Supplemental App required
14731 Laundries and Dry Cleaners - self-service                   2
45678 Laundries and Dry Cleaning Plants                          NQ
14732 Laundry and Dry Cleaning or Dyeing Receiving Stations      NQ
14733   Laundry and Dry Cleaning Stores                           2   No non-owned delivery exposure
14734   Laundry Rental Service                                   NQ
97050   Lawn Care Services                                        2
66122   Lawyers Offices - other than not for profit               1   Lawyers Professional Exclusion CUP-355
66123   Lawyers Offices - not for profit only                     1   Lawyers Professional Exclusion CUP-355
56170   Lead Mfg.-red or white                                   NQ
56171   Lead Works-sheet, pipe or shot                           NQ
56202   Leather Goods Mfg.                                       NQ
66309   Libraries                                                 1
56390   Light Bulb or Tubes Mfg.                                 NQ
56391   Lighting Fixtures Mfg.                                   NQ
56427   Lime Mfg.                                                NQ
56488   Liquor Mfg.                                              NQ
                                                                      Printers and Publishers Liability Exclusion CUP-380
58408 Lithographing                                              1    and Aircraft Products & Grounding Exclusion CUP-
                                                                      303
14855   Livestock Dealers or Commission Merchants                NQ
45771   Livestock Sales Companies                                NQ
14913   Locksmiths                                                2
97111   Logging and Lumbering                                    NQ
56567   Lubricants Mfg.-grease                                   NQ
                                                                      No non-owned delivery exposure; Contractors'
45819 Lumberyards                                                3
                                                                      endorsements apply
97220 Machine Shops                                              NQ
15062 Machinery or Equipment Dealers                             NQ
15060 Machinery or Equipment Dealers - const or indus            NQ
15061 Machinery or Equipment Dealers-farm type                      NQ
15063 Machinery or Equipment Dealers-yard or garden                 NQ
      Machinery or Equipment-farm-installation, servicing,
97221                                                               NQ
      repair or erection
      Machinery or Equipment-industrial-installation, servicing
97222                                                               NQ
      or repair
97223 Machinery or Equipment-installation, servicing or repair      NQ
56654 Machinery or Machinery Parts Mfg.                             NQ
      Machinery or Machinery Parts Mfg.-construction, mining
56650                                                               NQ
      or materials handling type
56651   Machinery or Machinery Parts Mfg.-farm type                 NQ
56652   Machinery or Machinery Parts Mfg.-industrial type           NQ
56653   Machinery or Machinery Parts Mfg.-metalworking              NQ
15070   Mail Box or Packaging Stores                                 1
45900   Mail Order or Online Drugstores                              1   Professional Liability Exclusion CUP-384 applies
45901   Mail Order Houses                                            1
45937   Mailing or Addressing Companies                              1   Printers and Publishers Liability Excl CUP-380
54444   Manufacturers NOC                                           NQ
45993   Manufacturers Representatives                               NQ
97308   Marine Appraisers or Surveyors                              NQ
15119 Markets - not open air - LRO - other than not for profit      1
15120 Markets - not open air - LRO - not for profit only            1
15123 Markets - open air - LRO - other than not for profit          1
15124 Markets - open air - LRO - not for profit only                1
                                                                         Contractors' endorsements apply; Contractor's
97447 Masonry                                                       3
                                                                         Supplemental App required
56690   Match Mfg.                                                  NQ
56699   Mattress or Box Spring Mfg.                                 NQ
46004   Mausoleums - other than not for profit                      NQ
46005   Mausoleums - not for profit only                            NQ
        Meat, Fish Poultry or Seafood Processing-not in airtight
56760                                                               NQ
        containers
15223   Meat, Fish, Poultry or Seafood - distributors               2    Maximum of 5 autos.
        Meat, Fish, Poultry or Seafood Processing-in airtight
56759                                                               NQ
        containers
15224   Meat, Fish, Poultry or Seafood Stores                        2   No owned or non-owned delivery exposure
56758   Meat, Fish, Poultry or Seafood-curing                       NQ
66561   Medical Offices                                              1   Professional Liability Exclusion CUP-384
        Medical, Dental or Surgical Diagnostic or Treatment
56808                                                               NQ
        Machines or Devices Mfg.
        Medical, Dental, Hospital or Surgical Equipment or
56805                                                               NQ
        Supplies Mfg.-expendable
        Medical, Dental, Hospital or Surgical Equipment or
56806                                                               NQ
        Supplies Mfg.-nonexpendable
56807 Medical, Dental, Hospital or Surgical Instruments Mfg.        NQ
      Medical, Hospital and Surgical Equipment and Supplies-
15300                                                               NQ
      rented to others
15314 Medical, Hospital and Surgical Supply Stores                   2   No non-owned delivery exposure
15404 Metal Dealers or Distributors - nonstructural                 NQ
15405 Metal Dealers or Distributors - structural                    NQ
                                                                         Contractors' endorsements apply; Contractor's
97650 Metal Erection - decorative or artistic                       3
                                                                         Supplemental App required
        Metal Erection - frame structures iron work on outside of
97651                                                               NQ
        buildings
        Metal Erection - in the construction of dwellings not
97652                                                                NQ
        exceeding 2 stories in height
                                                                          Contractors' endorsements apply; Contractor's
97653 Metal Erection - nonstructural                                 3
                                                                          Supplemental App required
      Metal Erection - steel lock gates, gasholders,
97654 standpipes, water towers, smokestacks, tanks, silos,           NQ
      prison cells, fire or burglarproof vaults
97655   Metal Erection - structural                                  NQ
56900   Metal Extraction or Refining                                 NQ
56910   Metal Foil Mfg.                                              NQ
56911   Metal Goods Mfg.                                             NQ
56912   Metal Goods Mfg. - stamping - not signs                      NQ
56913   Metal Heat Processing                                        NQ
15406   Metal Scrap Dealers                                          NQ
59914   Metal Works - shop - decorative or artistic                   2   Aircraft Products & Grounding Exclusion CUP-303
56915   Metal Works - shop - structural - load bearing               NQ
56916   Metal Works - shop - structural - not load bearing           NQ
        Metals - extraction or refining of ferrous metals-blast
56919                                                                NQ
        furnace or other pyrometallurgical processes
        Metals - extraction or refining of nonferrous metals-blast
56920                                                                NQ
        furnace or other pyrometallurgical processes
56917 Metals - extraction or refining-chemical processes             NQ
      Metals - extraction or refining-electro-metallurgical
56918                                                                NQ
      processes
56980 Mica Goods Mfg.                                                NQ
57001 Milk Depots or Dealers                                         NQ
57002 Milk Processing                                                NQ
98002 Mining                                                         NQ
98003 Mining-surface                                                 NQ
      Mission, Settlement or Halfway Houses - not church or
67017                                                                NQ
      office buildings
57090 Mobile Home Mfg.                                               NQ
46202 Mobile Home Parks or Courts                                     3
15488 Mobile Home Sales Agencies                                      3
46362 Model Homes                                                     3
57146 Modular Units Mfg.                                             NQ
98090 Motion Pictures - development of negatives and printing        2
98091 Motion Pictures - film distribution or exchanges               NQ
        Motion Pictures - production - studios or outside - all
98092                                                                NQ
        operations prior to the development of negatives
57202   Motorcycle, Moped or Motor Scooter Mfg.                      NQ
46426   Museums - other than not for profit                           2
46427   Museums - not for profit only                                 2
16676   Music Stores – pre-recorded                                   1
57257   Musical Instrument Mfg.                                      NQ
15538   Musical Instrument Stores                                     1
58627   Musical Products Mfg. – pre-recorded                         NQ
57401   Nails or Spikes Mfg                                          NQ
15600   Nail Salons                                                   1
57403   Needles, Pins or Tacks Mfg.                                  NQ
57410   Net Mfg. - other than safety nets                            NQ
57411   Net Mfg. - safety nets                                       NQ
15607   Newspaper or Magazine Distributors                           NQ
15608   Newsstands                                                    1   No owned or non-owned delivery exposure
15656   Nightclubs, Cabarets, Discos and Comedy Clubs                NQ
                                                                           Contractors' endorsements apply; Contractor's
15699 Nursery - garden                                                2
                                                                           Supplemental App required
57572 Office Machines Mfg                                             NQ
      Office Machines or Appliances - installation, inspection,
98111                                                                 2
      adjustment or repair
98150 Oil or Natural Gas Lease Operations                             P
      Oil or Gas Lease Operations - natural gas - within the
98151 limits of any town or city on the right-of-way of any           NQ
      railroad, or in any ocean, gulf or bay
      Oil or Gas Lease Work by Contractors-not lease
98152                                                                 NQ
      operation
98153 Oil or Gas Wells - acidizing                                    NQ
98154 Oil or Gas Wells - cementing                                    NQ
98155 Oil or Gas Wells - cleaning or swabbing by contractors          NQ

      Oil or Gas Wells - cleaning or swabbing by contractors -
98156 within the limits of any town or city on the right-of-way of    NQ
      any railroad, or in any ocean, gulf or bay
        Oil or Gas Wells - drilling or redrilling, installation or
98157                                                                 NQ
        recovery of casing
        Oil or Gas Wells - drilling or redrilling, installation or
        recovery of casing - within the limits of any town or city,
98158                                                                 NQ
        on the right-of-way of any railroad, or in any ocean, gulf
        or bay
        Oil or Gas Wells - instrument logging or survey work in
98159                                                                 NQ
        wells
46510   Oil or Gas Wells - non-operating working interest             NQ
98160   Oil or Gas Wells - perforating of casing                      NQ
98161   Oil or Gas Wells - servicing - by Contractors                 NQ
98162   Oil or Gas Wells - shooting                                   NQ
        Oil or Gas Wells Supplies or Equipment Dealers -
15188                                                                 NQ
        secondhand
15733   Oil Refineries                                                NQ
        Oil Rig or Derrick Erecting or Dismantling - wood or
98163                                                                 NQ
        metal
98164   Oil Still Erection or Repair                                  NQ
57600   Optical Goods Manufacturing                                   NQ
15839   Optical Goods Stores                                           1
98257   Orchards and Vineyards - operation by contractors              2
57611   Ore Milling or Processing                                     NQ
57625   Orthopedic, Ambulation or Prosthetic Devices Mfg.             NQ
57651   Packing Houses                                                NQ
57690   Paint, Varnish, Shellac or Lacquer Mfg.                       NQ
15991   Paint, Wallpaper or Wallcovering Stores                        1   No non-owned delivery exposure
98304   Painting - exterior - build or struct - 3 stories or less     NQ
98303 Painting - exterior - build or struct - exceeding 3 stories     NQ
                                                                           Contractors' endorsements apply; Contractor's
98305 Painting - interior - buildings or structures                   2
                                                                           Supplemental App required
98306   Painting - oil or gasoline tanks                              NQ
98307   Painting - ship hulls                                         NQ
98308   Painting - shop only                                           2
98309   Painting - steel structures or bridges                        NQ
15993   Painting, Picture or Frame Stores                              1
57716   Paper Coating or Finishing                                    NQ
57725   Paper Goods Mfg.                                              NQ
57726   Paper Mfg.                                                    NQ
16005 Paper Products Distributors                                2    Maximum of 5 autos.
      Paper, Rag or Rubber Stock Dealers and Distributors -
16009                                                            NQ
      secondhand
                                                                      Contractors' endorsements apply; Contractor's
98344 Paperhanging                                               2
                                                                      Supplemental App required
57798   Parachute Mfg.                                           NQ
46590   Parades                                                  NQ
46622   Parking - private                                         2
46603   Parking - public - not open air                           3
46604   Parking - public - open air                               2
        Parking - public - shopping centers - insured maint. -
46607                                                            2
        LRO
        Parking - public - shopping centers - lessee maint. -
46606                                                            2
        LRO
46671   Parks or Playgrounds                                     NQ
57809   Pattern Mfg. - other                                     NQ
57808   Pattern Mfg. - metal                                     NQ
57810   Pattern Mfg. - paper                                     NQ
46700   Penal Institutions                                       NQ
57871   Pencil, Pen, Crayon or Chalk Mfg.                        NQ
43470   Pest Control Services                                    NQ
57913   Pet Food Mfg.                                            NQ
16402   Pet Grooming                                              3
16403   Pet Stores                                                2
16404   Pet Training                                              2   No guard dog training
57997   Photo Finishing Laboratories                             NQ
16471   Photographers                                             1
57998   Photographic Equipment Mfg.                               3
57999   Photographic Supplies Mfg.                               NQ
98405   Piano Tuning                                              1
46773   Picnic Grounds - commercially operated                   NQ
98414   Pile Driving - other                                     NQ
98413   Pile Driving - building foundation only                  NQ
98415   Pile Driving - sonic method                              NQ
98424   Pipeline Construction - other                            NQ
98425   Pipeline Construction - oil                              NQ
98426 Pipeline Construction - slurry - nonflammable mixtures     NQ
98423   Pipeline Construction -gas                               NQ
98428   Pipelines - operation - other                            NQ
98427   Pipelines - operation - gas                              NQ
98429   Pipelines - operation - oil                              NQ
98430 Pipelines - operation - slurry - nonflammable mixtures     NQ
58010 Pipes or Tubes Mfg. - plastic                              NQ
58020 Pipes Mfg. - tobacco                                       NQ
58009 Pipes or Tubes Mfg. - metal                                NQ
                                                                      Contractors' endorsements apply; Contractor's
98449 Plastering or Stucco Work                                  3
                                                                      Supplemental App required
58056   Plastic Mfg. - raw material                              NQ
58057   Plastic or Rubber Goods Mfg. - household                 NQ
58058   Plastic or Rubber Goods Mfg. - other than household      NQ
16501   Plastic or Rubber Supply Goods Distributors               2   Maximum of 5 autos.
98482   Plumbing - commercial and industrial                      3   No fire sprinkler work
                                                                      Contractors' endorsements apply; Contractor's
98483 Plumbing - residential or domestic                         2
                                                                      Supplemental App required
58095 Plumbing Fixtures Mfg.                                     NQ
      Plumbing Supplies and Fixtures Dealers and
16527                                                            2    Maximum of 5 autos.
      Distributors
58096 Plumbing Supplies Mfg.                                    NQ
58301 Plywood, Veneer or Veneer Products Mfg. - other           NQ
      Plywood, Veneer or Veneer Products Mfg.-without log
58302                                                           NQ
      processing
46822 Political Campaign Headquarters or Offices                NQ
                                                                     Contractors' endorsements apply; Contractor's
98502 Prefabricated Building Erection                           3
                                                                     Supplemental App required
58397 Prefabricated Building Mfg.                               NQ
16588 Printers or Electrotypers Supplies - distributors          2   Maximum of 5 autos.
                                                                     Printers and Publishers Liability Exclusion CUP-380
58408 Printing - other than not for profit                      1    and Aircraft Products & Grounding Exclusion
                                                                     CUP-303
                                                                     Printers and Publishers Liability Exclusion CUP-380
58409 Printing - not for profit only                            1    and Aircraft Products & Grounding Exclusion
                                                                     CUP-303
16604 Produce Handling or Packing                               2    No owned or non-owned delivery exposure
46881 Prof. & Trade Assocs. - no prem. - for profit             2
46882 Prof. & Trade Assocs. - no prem. - not for profit         2
      Publishers - books or magazines - Other than Not For
58456                                                           NQ
      Profit
58457 Publishers - books or magazines - Not-For-Profit Only     NQ
58458   Publishers - newspapers - Other than Not For Profit     NQ
58459   Publishers - newspapers - Not-For-Profit only           NQ
58503   Pulp Mfg.                                               NQ
58532   Pumps or Compressors Mfg.                               NQ
98555   Quarries                                                NQ
46913 Race Tracks-motorized vehicles-(LRO)-ISO Multistate       NQ
46915 Race Tracks - motorized vehicles - (SRO)                  NQ
46911 Race Tracks - motorized vehicles - operators              NQ
46912 Race Tracks - operators                                   NQ
46914 Racing (LRO)                                              NQ
46916 Racing (SRO)                                              NQ
      Racquet Sports and Handball Facilities – commercially
16670                                                           2
      operated
      Radio or TV Broadcasting Stations - Other than Not For
98597                                                           NQ
      Profit
98598 Radio or TV Broadcasting Stations - Not-For-Profit only   NQ
98601 Railroad Construction                                     NQ
58559 Railroad Engine Mfg.                                      NQ
58560 Railroad or Other Public Conveyance Cars Mfg.             NQ
58561 Railroad or Other Public Conveyance Cars Parts Mfg.       NQ
      Railroads - operation and maintenance - with Bl
98622                                                           NQ
      passenger hazard
      Railroads - operation and maintenance - without Bl
98623                                                           NQ
      passenger hazard
98624 Railroads - shop operation and maintenance                NQ
58575 Razor or Razor Blades Mfg.                                NQ
                                                                     Real Estate Agents Professional Liability Exclusion
47050 Real Estate Agents                                        2
                                                                     CUP-389
                                                                       Real Estate Agents Professional Liability Exclusion
                                                                       CUP-389; Residential Development Exclusion CUP-
47051 Real Estate Development Property                            2
                                                                       442; 3 stories max, Habitational Supp App; no
                                                                       subsidized housing, HUD, etc
                                                                       Real Estate Agents Professional Liability Exclusion
47052 Real Estate Property Managed                                2    CUP-389; 3 stories max, Habitational Supp App; no
                                                                       subsidized housing, HUD, etc
47103   Recording Studios                                          1
58627   Records or Tapes Mfg. - pre-recorded                      NQ
16676   Records, Tapes and Sheet Music Stores                      1
16694   Recreational Vehicle Dealers                              NQ
47146 Recycling Collection Centers - Other than Not For Profit    NQ
47147 Recycling Collection Centers - Not-For-Profit Only          NQ
      Refrigeration Equipment - Dealers and Distributors only -
16705                                                             NQ
      commercial
58663 Refrigeration Equipment Mfg.                                NQ
      Refrigeration Systems or Equipment - dealers and
98636 distributors and installation, servicing or repair-         NQ
      commercial
58682 Rendering Works                                             NQ
                                                                       Contractors' endorsements apply; Contractor's
98640 Renovating – outside surfaces of buildings                  3
                                                                       Supplemental App required
16722 Rental Stores                                               NQ
      Rental Stores - machinery or equipment - rented to
16723                                                             NQ
      other's on a long term basis
      Restaurants – with sale of alcoholic beverages that are
16815 30% or more of but less than 75% of the total annual        3    No owned or non-owned delivery exposure
      receipts of the restaurants – with dance floor

      Restaurants – with sale of alcoholic beverages that are
16816                                                             2    No owned or non-owned delivery exposure
      30% or more of but less than 75% of the total annual
      receipts of the restaurants – without dance floor
      Restaurants - concessionaires - Other than Not-For-
16819                                                             2    No owned or non-owned delivery exposure
      Profit
16820 Restaurants - concessionaires - not for profit only         2    No owned or non-owned delivery exposure
16813 Restaurants - no sale of alcoholic beverages - w/ dance     3    No owned or non-owned delivery exposure
        Restaurants - no sale of alcoholic beverages - w/o
16814                                                             2    No owned or non-owned delivery exposure
        dance
16821   Restaurants - refreshment stands - for profit             2    No owned or non-owned delivery exposure
16822   Restaurants - refreshment stands - not for profit         2    No owned or non-owned delivery exposure
16824   Restaurants - self-serv & cafet - not for profit          2    No owned or non-owned delivery exposure
16823   Restaurants - self-service & cafeterias - for profit      2    No owned or non-owned delivery exposure
        Restaurants – with no sale of alcoholic beverages –
16900                                                             2    No owned or non-owned delivery exposure
        with table service
        Restaurants – with no sale of alcoholic beverages –
16901                                                             2    No owned or non-owned delivery exposure
        without table service with seating
        Restaurants – with no sale of alcoholic beverages –
16902                                                             2    No owned or non-owned delivery exposure
        without seating
        Restaurants – with sale of alcoholic beverages that are
16910   less than 30% of the annual receipts of the restaurants   2    No owned or non-owned delivery exposure
        – with table service
        Restaurants – with sale of alcoholic beverages that are
16911   less than 30% of the annual receipts of the restaurants   2    No owned or non-owned delivery exposure
        – without table service with seating
      Restaurants – with sale of alcoholic beverages that are
16915 30% or more of but less than 75% of the total annual        3    No owned or non-owned delivery exposure
      receipts of the restaurants – with dance floor
      Restaurants – with sale of alcoholic beverages that are
16916 30% or more of but less than 75% of the total annual        3    No owned or non-owned delivery exposure
      receipts of the restaurants – without dance floor

      Restaurants – with sale of alcoholic beverages that are
16920 75% or more of total annual receipts of the restaurants     NQ
      – with tables – with dance floor: table service

      Restaurants – with sale of alcoholic beverages that are
16921 75% or more of total annual receipts of the restaurants     NQ
      – with tables – with dance floor: no table service

      Restaurants – with sale of alcoholic beverages that are
16930 75% or more of total annual receipts of the restaurants     NQ
      – with tables – without dance floor: table service

      Restaurants – with sale of alcoholic beverages that are
16931 75% or more of total annual receipts of the restaurants     NQ
      – with tables – without dance floor: no table service

      Restaurants – with sale of alcoholic beverages that 75%
16940 or more of total annual receipts of the restaurants – bar   NQ
      service only (no tables): with dance floor

      Restaurants – with sale of alcoholic beverages that 75%
16941 or more of total annual receipts of the restaurants – bar   NQ
      service only (no tables): without dance floor
47221   Riding Academies                                          NQ
47254   Rifle or Pistol Ranges                                    NQ
47253   Rifle or Pistol Ranges - indoor                           NQ
98658   Rigging - not ship or boat                                NQ
98659   Rigging - ship or boat                                    NQ
47318   Rodeos                                                    NQ
58713   Rolling Mills - cold or hot process                       NQ
98677   Roofing - commercial                                      NQ
98678   Roofing - residential                                     NQ
58737   Rope Mfg.                                                 NQ
58756   Rubber Mfg.                                               NQ
58757   Rubber Reclaiming                                         NQ
58759   Rubber Stamp Mfg. or Assembling                           NQ
58802   Saddles, Harnesses or Horses Furnishings Mfg.             NQ
58813   Safes or Safe Vaults Mfg.                                 NQ
58822   Sail Making                                               NQ
47367   Sales or Service Organizations                             2   Professional Liability Exclusion CUP-384 applies
58840   Salt Mfg.                                                 NQ
58837 Salt, Borax, Potash or Phosphate-producing or refining      NQ
98698 Salvage Operations                                          NQ
      Salvage Operations - removing, sorting, reconditioning
98699 and distributing of merchandise in damaged bldgs. And       NQ
      incidental operations away from such bldgs.
98710 Sand or Gravel Digging                                      NQ
98705 Sandblasting                                                NQ
47420 Saunas and Baths - public                                   NQ
58873 Saw Mills or Planing Mills                                   NQ
47477 School - private - high - Other than Not For Profit          NQ
47478 School - private - high - Not-For-Profit Only                NQ
      Schools - colleges, universities, junior colleges or
67508                                                              NQ
      college preparatory - Other than Not For Profit
      Schools - colleges, universities, junior colleges or
67509                                                              NQ
      college preparatory - Not-For-Profit Only
47468 Schools - correspondence                                     NQ
67510 Schools - dormitory facilities - Other than Not For Profit   NQ
67511 Schools - dormitory facilities - Not-For-Profit only         NQ
      Schools - faculty liability for corporal punishment of
47469                                                              NQ
      students
67512 Schools - Other than Not For Profit                          NQ
67513 Schools - Not-For-Profit Only                                NQ
      Schools - private - elementary, kindergarten or junior
47475                                                              NQ
      high - Other than Not For Profit
      Schools - private - elementary, kindergarten or junior
47476                                                              NQ
      high - Not-For-Profit Only
      Schools - public - elementary, kindergarten or junior
47471                                                              NQ
      high
47473 Schools - public - high                                      NQ
47474 Schools - trade or vocational                                NQ
16881 Secondhand or Salvage Dealers and Distributors               NQ
98751 Security and Patrol Agencies                                 NQ
16891 Seed Merchants                                               NQ
16892 Seed Merchants - excl. germination failure                   NQ
      Seed Merchants - excl. misdelivery, error in mixture &
16890                                                              NQ
      germination
                                                                        Contractors' endorsements apply; Contractor's
98805 Septic Tank Systems - cleaning                               3
                                                                        Supplemental App required
                                                                        Contractors' endorsements apply; Contractor's
98806 Septic Tank Systems - installation, service or repair        3
                                                                        Supplemental App required
98810   Sewage Disposal - plant operations                         NQ
98813   Sewer Cleaning                                             NQ
98820   Sewer Mains or Connectors Construction                     NQ
48039   Sewers                                                     NQ
58903   Sewing Machines Mfg. - commercial                          NQ
58904   Sewing Machines Mfg. - household                           NQ
98871   Shaft Sinking                                              NQ
98884   Sheet Metal Work - outside
58922   Sheet Metal Work - shop only                               2    Aircraft Products & Grounding Exclusion CUP-303
        Shelters, Mission, Settlement or Halfway House – Not
67017                                                              NQ
        Church or Office Buildings
98914   Ship Ceiling or Scaling                                    NQ
18078   Ship Chandler Stores                                       NQ
98949   Ship Repair or Conversion                                  NQ
18109   Shoe Repair Shops                                           1
18110   Shoe Stores                                                 1
59005   Shoe, Boot or Slipper Mfg.                                 NQ
67634   Shopping Centers - indoor malls - LRO                       2
67635   Shopping Centers - LRO                                      2
                                                                        Contractors' endorsements apply; Contractor's
98967 Siding Installation                                          3
                                                                        Supplemental App required
                                                                        Contractors' endorsements apply; Contractor's
98993 Sign Erection, Installation or Repair                        3
                                                                        Supplemental App required
59058 Sign Mfg. - Other than electrical                            3
59057 Sign Mfg. - electrical                                       3
99003 Sign Painting or Lettering - inside of buildings          2
99004 Sign Painting or Lettering - on Buildings or Structures   2
48177 Skating Rinks - ice                                       NQ
48178 Skating Rinks - roller                                    NQ
48206 Skeet Shooting or Trap Shooting Ranges                    NQ
48252 Ski Lifts, Tows or Runs                                   NQ
59188 Slate Milling                                             NQ
59189 Slate Splitting or Slate Roofing Mfg.                     NQ
48441 Soap Box Derbies                                          NQ
59223 Soap Mfg.                                                 NQ
48557 Social Gatherings and Meetings - for profit                2
48558 Social Gatherings and Meetings - not for profit            2
      Social Services – Consulting Services only – operated
48600                                                           NQ
      by the Private Sector
                                                                     Contractors' endorsements apply; Contractor's
99080 Solar Energy Contractors                                  3
                                                                     Supplemental App required
18200   Spas or Personal Enhancement Facilities                 NQ
59257   Sponge Processing                                       NQ
48610   Sports or Outdoor Activities – commercially operated    NQ
18205   Sporting Goods or Athletic Equipment Distributors       NQ
59306   Sporting Goods or Athletic Equipment Mfg.               NQ
18206   Sporting Goods or Athletic Equipment Stores              2
99111   Stables - boarding, livery or racing                    NQ
        Stadiums - operated by insured - Other than Not For
48637                                                           NQ
        Profit
48638   Stadiums - operated by insured - Not-For-Profit only    NQ
18335   Stationery or Paper Products Stores                      1
99160   Steam Heating or Steam Power Companies                  NQ
99163   Steam Mains or Connections Construction                 NQ
99165   Steam Pipe or Boiler Insulation                         NQ
59378   Steel Wool or Wire Wool Mfg.                            NQ
99222   Stevedoring                                             NQ
        Stevedoring - by hand or by means of hand trucks
99220                                                           NQ
        exclusively - no hoisting of cargo
        Stevedoring - handling explosives or ammunition -
99221                                                           NQ
        under contract
        Stevedoring - tallyers or checking clerks engaged in
99223                                                           NQ
        connection with stevedoring work
48636   Stockyards                                              NQ
59481   Stone Crushing                                          NQ
59482   Stone Cutting or Polishing                               2
18435   Stores - food or drink - Other than Not For Profit       1   No non-owned delivery exposure
18436   Stores - food or drink - not for profit only             1   No non-owned delivery exposure
18437   Stores - no food or drink - Other than not for profit    1
18438   Stores - no food or drink - not for profit only          1
99303   Street Cleaning                                         NQ
99315   Street or Road Construction or Reconstruction           NQ
        Street or Road Paving or Repaving, Surfacing or
99321                                                           NQ
        Resurfacing or Scraping
        Streets, Roads, Highways or Bridges - existence and
48727                                                           NQ
        maintenance hazard only
99445   Subway Construction                                     NQ
59537   Sugar Refining                                          NQ
48808   Sun Tanning Salons                                      NQ
18501   Supermarkets                                             2   No non-owned delivery exposure
                                                                     Engineers, Architects or Surveyors Professional
99471 Surveyors - land - no actual construction                 1
                                                                     Liability Exclusion CUP-334
48925 Swimming Pools                                             NQ   Except as part of habitational risk, ie Apt, Condo
48924 Swimming Pools - commercially operated                     NQ
      Swimming Pools - installation, servicing or repair -
99506                                                            NQ
      above ground
      Swimming Pools - installation, servicing or repair -
99507                                                            NQ
      below ground
59601 Swimming Pools or Accessories Mfg.                         NQ
99505 Swimming Pool Servicing                                     2
59647 Syrups or Molasses - refining, blending or mfg.            NQ
18506 Tailor merchants - men or boys                              1
18507 Tailoring or Dressmaking Establishments - custom            1
59660 Tank Building or Mfg. - metal - not pressurized            NQ
59661 Tank Building or Mfg. - metal - pressurized                NQ
      Tank Construction, Installation, Erection or Repair -
99570                                                            NQ
      metal - not pressurized
      Tank Construction, Installation, Erection or Repair -
99572                                                            NQ
      metal - not pressurized - within bldgs. exclusively
      Tank Construction, Installation, Erection or Repair -
99571                                                            NQ
      metal - pressurized
      Tank Construction, Installation, Erection or Repair -
99573                                                            NQ
      metal - pressurized - within bldgs. exclusively
59693 Tanning - animal hides                                     NQ
18570 Tattoo Parlors                                             NQ
68001 Taxicab Companies                                          NQ
49005 Taxidermists                                                1
59695 Telecommunication Equipment Mfg.                           NQ
18475 Telecommunication Equipment Providers                      NQ
99600 Telecommunication Service Providers                        NQ
99614 Telegraph Companies                                        NQ
      Telephone, Telegraph or Cable Television Line
99613                                                            NQ
      Construction
99620 Teleproduction Studios                                     2    Professional Liability Exclusion CUP-384 applies
99650 Television or Radio Receiving Set Installation or Repair   2
59701 Television Picture Tube Mfg.                               NQ
59713 Tent or Canopy Mfg.                                        NQ
      Tent or Canvas Goods - erection, removal or repair -
99709                                                            NQ
      away from shop
49111 Tents or Canopies - loaned or rented to others             NQ
        Textile Bleaching, Dyeing, Mercerizing, Printing,
59722                                                            NQ
        Finishing or Silk Screening - new goods
59723   Textile Coating or Impregnating                          NQ
59724   Textile Mfg. - impregnated or coated                     NQ
59725   Textile Products Mfg. - fabricated                       NQ
59726   Textile Spinning, Weaving or Knitting Mills              NQ
49181   Theaters - drive-in                                       3
49184   Theatres - other than not for profit only                 2
49183   Theatres - motion picture                                 2
49185   Theatres - not for profit only                            2
99718   Theatrical Companies - traveling                         NQ
68439   Ticket Agencies                                           1
59738   Tie, Post or Pole Yard                                    2
                                                                      Contractors' endorsements apply; Contractor's
99746 Tile, Stone, Marble, Mosaic or Terrazzo Work - interior    2
                                                                      Supplemental App required
49239 Tire - retreading or recapping                             NQ
18616 Tire Dealers                                               NQ
59750 Tire Mfg. - auto, bus or truck                             NQ
59751 Tire Mfg. - not auto, bus or truck                           NQ
18707 Tobacco Products Distributors                                NQ
59774 Tobacco Products Mfg. - other                                NQ
59773 Tobacco Products Mfg. - cigars or cigarettes                 NQ
59775 Tobacco Products Mfg. - plug or snuff                        NQ
18708 Tobacco Products Stores                                      NQ
99760 Tobacco Rehandling or Warehousing                            NQ
49292 Toll Bridges                                                 NQ
59781 Tool Mfg. - accessories                                      NQ
59782 Tool Mfg. - hand type - not powered                          NQ
59783 Tool Mfg. - hand type -powered                               NQ
      Tool Mfg. - power equipment - household type - outdoor
59784                                                              NQ
      or workshop
                                                                        If D & O covered in U/L, can provide following form
68500 Townhouses or Similar Associations (assoc. risk only)        2    D&O Coverage; 3 stories max; Habitational Supp
                                                                        App required; no subsidized housing, HUD, etc
18833   Toy Distributors                                           NQ
18834   Toy Stores                                                 NQ
59790   Toys or Games Mfg.                                         NQ
59798   Trailers Mfg.                                              NQ
19795   Trailer Dealers                                            NQ
19796   Trailer Rental Agencies                                    NQ
49333   Travel Agency Tours                                        NQ
        Tree Pruning, Dusting, Spraying, Repairing, Trimming or
99777                                                              NQ
        Fumigating
59806   Truck Mfg. or Assembling                                   NQ
99793   Truckers                                                   NQ
99798   Tunneling                                                  NQ
59867   Turpentine or Resin Mfg.                                   NQ
99650   TV or Radio Receiving Set Installation or Repair            2
59886   Twine or Cordage Mfg.                                      NQ
59889   Umbrella or Cane Mfg.                                      NQ
99803   Underpinning Buildings or Structures                       NQ
99826   Upholstering                                                2
99827   Upholstering - shop only                                    2
68606   Vacant Bldgs - not factories - other than not for profit   NQ
68604   Vacant Buildings - factories                               NQ
68607   Vacant Buildings - not factories - Not-For-Profit only     NQ
49451   Vacant Land - other than not for profit                     2
49452   Vacant Land - not for profit only                           2
59892   Valves Mfg.                                                NQ
18911   Variety Stores - other than not for profit                  1
18912   Variety Stores - not for profit only                        1
59905   Vegetable Oil Mfg.                                         NQ
59904   Vegetable Oil Mfg. - by solvent extraction                 NQ
49619   Vending Machine Operations                                 NQ
49617   Vending Machine Operations - food, beve or ice             NQ
49618   Vending Machine Operations - tobacco products              NQ
59915   Vending Machines Mfg.                                      NQ
59917   Venetian Blinds Mfg. or Assembling                         NQ
99851   Veterinarian or Veterinary Hospitals                        3   Professional Liability Exclusion CUP-384
18920   Video Stores                                                1
49763   Warehouse - cold individual storage lockers                 2
99917   Warehouse - cold storage - public                           2
99938   Warehouses                                                  2
18991   Warehouses - mini-warehouses                                2
68702   Warehouses - occupied by multi interests - LRO              2
68703 Warehouses - occupied by single interest - LRO              2
68706 Warehouses - private - other than not for profit            2
68707 Warehouses - private - not for profit only                  2
19007 Washing Machines, Dryers or Ironers - coin meter type       2
59923 Watch or Watch Case Mfg.                                     1   Aircraft Products & Grounding Exclusion CUP-303
59925 Water Bottling - in siphons                                 NQ
      Water Bottling - spring or well - not sparkling or
59926                                                             NQ
      carbonated
59927 Water Bottling - spring or well - sparkling or carbonated   NQ
99943   Water Companies                                           NQ
99946   Water Mains or Connections Construction                   NQ
99948   Water Softening Equipment - installation & service         2
19051   Water Softening Equipment - rented to others               2
99955   Waterproofing                                             NQ
99952   Waterproofing - by pressure apparatus                     NQ
99953   Waterproofing - by trowel - exterior                      NQ
99954   Waterproofing - by trowel-interior or insulation work     NQ
59931   Wax or Wax Products Mfg.                                  NQ
59932   Wax, Wax Products or Polish Mfg. - floor                  NQ
96930   Web Site Designers                                         2   Professional Liability Exclusion CUP-384 applies
        Weighers, Samplers or Inspectors of Merchandise - on
99963                                                             NQ
        vessels or docks or at railway stations or warehouses
99969 Welding or Cutting                                          NQ
      Wharf and Waterfront Property - ferry docks or
49800                                                             NQ
      terminals
      Wharf and Waterfront Property - not occupied by the
49802                                                             NQ
      insured (LRO)
      Wharf and Waterfront Property - occupied by the
49801                                                             NQ
      insured for both freight and passenger purposes
        Wharf and Waterfront Property - occupied by the
49803                                                             NQ
        insured for freight purposes exclusively
59941   Wheel Mfg.                                                NQ
59947   Wicker, Rattan, Willow or Twisted Fiber Products Mfg.     NQ
59955   Wigs or Hair Pieces Mfg.                                  NQ
99975   Window Cleaning                                           NQ
49840   Window Decorating                                          1
59963   Wine Mfg. - sparkling                                     NQ
59964   Wine Mfg. - still                                         NQ
59970   Wire Cloth Mfg.                                           NQ
59973   Wire Drawing                                              NQ
59975   Wire Goods Mfg.                                           NQ
59977   Wire Rope or Cable Mfg. - metal                           NQ
59984   Wood Preserving                                           NQ
59985   Wood Products Mfg.                                        NQ
59986   Wood Turned Products Mfg.                                 NQ
59988   Wool Combing, Scouring or Separating from Cotton          NQ
59989   Wool Pulling                                              NQ
99986   Wrecking - buildings or structures                        NQ
        Wrecking - dismantling of prefabricated dwellings not
99987                                                             NQ
        exceeding three stories for reerection
99988   Wrecking - marine                                         NQ
49870   YMCA, YWCA or Similar Institutions                        NQ
49890   Youth Recreation Programs - Other than Not For Profit     NQ
49891 Youth Recreation Programs - Not-For-Profit only   NQ
49902 Zoos - Other than Not For Profit                  NQ
49903 Zoos - Not-For-Profit only                        NQ
  ISO                                                            HAZ
      ISO CLASSIFICATION DESCRIPTION                                   COMMENTS AND COVERAGE REQUIREMENTS
CODE                                                            CODE
KEY: NQ= Does Not Qualify for program
      1= Desirable
      2= Average
      3= Acceptable class, require supplemental
      information
      OLT= Owners, Lessors & Tennants
      LRO= Lessors Risk Only
10010 Air Conditioning Equip. - drlrs. or distr. only             2
10015 Amusement Centers                                          NQ
10020 Amusement Parks                                            NQ
10026 Antique Stores                                              1
10036 Anhydrous Ammonia Dealer and Distributors                  NQ
                                                                       This class is eligible for excess GL only. Auto
10040 Appliance Distributors - household type                    2
                                                                       Liability Exclusions CUP 313.
10042   Appliance Stores - household type                         2
10052   Archery Ranges - Indoor                                  NQ
10054   Archery Ranges – other than indoor                       NQ
10060   Army and Navy Stores                                      1
10065   Art Galleries – Other than Not-For-Profit                 1
10066   Art Galleries - not for profit only                       1
10070   Automobile Parts and Supplies Distributors                3    Maximum of 5 autos.
                                                                       This class is eligible for excess GL only. Auto
10071 Automobile Parts and Supplies Stores                       2
                                                                       Liability Exclusion CUP 313.
10072 Automobile Quick Lubrication Services                      2     No repair
                                                                       75% new cars sales and NO leasing. Service/Repair
10073 Automobile Sales, Repair or Service Shops                  3     work only on vehicles that qualify for program. No
                                                                       work on XHVY or TT.
10075   Automobile Repair Shops - self-service                   NQ
10100   Bakeries                                                  2
10101   Boat Dealers                                             NQ
10105   Boat Storage and Moorage                                 NQ
10107   Boat Yards or Marinas-public                             NQ
10110   Boats-canoes or row-boats-for rent-no motors             NQ
10111   Barber or Beauty Shop Supplies Distributors               2    Maximum of 5 autos.
10113   Barber Shops                                              1
10115   Beauty Parlors and Hair Styling Salons                    1    Professional Liability Exclusion CUP-384
10117   Boats-motor or sail-rented to others                     NQ
10119   Boats-rented to others                                   NQ
10120   Bathhouses or Bathing Pavilions                          NQ
                                                                       Products - Completed Operations Hazard Exclusion
10130 Bazaars - operated by insd. - for profit                   2
                                                                       CUP-383
                                                                       Products - Completed Operations Hazard Exclusion
10132 Bazaars – operated by the insured – Not-For-Profit only    2
                                                                       CUP-383
10133 Beach Chairs and Umbrellas-rented to others                NQ
10135 Beaches - bathing-commercially operated                    NQ
                                                                       This class is eligible for excess GL only. Auto
10140 Beverage Distributors - alcoholic other than beer          2
                                                                       Liability Exclusion CUP 313.
                                                                       This class is eligible for excess GL only. Auto
10141 Beverage Distributors - nonalcoholic and beer              2
                                                                       Liability Exclusion CUP 313.
10145   Beverage Stores - liquor and wine                         2
10146   Beverage Stores - soft drinks and beer                    2
10150   Bicycle Stores - sales and service                       NQ
10151   Bicycles - rented to others                              NQ
10160   Billiard or Pool Halls                                    2
10204   Books and Magazines Stores - for profit                   1
10205   Books and Magazines Stores - not for profit               1
10220 Bowling Lanes                                               2
      Building Material Dealers – other than secondhand
10255                                                             NQ
      material
10256 Building Material Dealers-secondhand material               NQ
10257 Building Material Distributors                              NQ
10309 Camera and Photographic Equipment Stores                     1
10315 Camper or Travel Trailer Sales Agencies                     NQ
10331 Campgrounds - Other than not for profit                      2   No pools or lakes.
10332 Campgrounds - not for profit only                            2   No pools or lakes.
10352 Candy or Confectionary Stores                                1
10367 Car Washes - other than self-service                        NQ
10368 Car Washes - self-service                                   NQ
10375 Carnival or Circus Companies                                NQ
      Carnivals-outside (sponsor's risk only)-Other than Not
10378                                                             NQ
      For Profit
      Carnivals-outside (sponsor's risk only)-Not-For-Profit
10379                                                             NQ
      only
      Carnivals or Circuses-in tents (sponsor's risk only)
10380                                                             NQ
      Other than Not For Profit
      Carnivals or Circuses-in tents (sponsor's risk only) Not-
10381                                                             NQ
      For-Profit only
11007 Carpet, Rug or Upholstery Cleaning - shop only               2
11020 Catalog or Premium Coupon Redemption Stores                  1
11039 Caterers                                                     2
11052 Chairs - rented to others                                   NQ
11101 Chemical Distributors                                       NQ
11120 Childrens Playcenter – indoor                               NQ
11126 Clothing or Wearing Apparel Distributors                     2   No private label products. Maximum of 5 autos.
      Clothing or Wearing Apparel Stores - Other than Not-
11127                                                             1    No private label products
      For-Profit
11128 Clothing or Wearing Apparel Stores - not for profit only    1    No private label products
11138 Clubs - country or golf                                     2
11155 Collectibles and Memorabilia Stores                         1
11160 Computer Stores                                             2
      Concessionaries - checkroom, shoeshine, or toilet
11167                                                             1
      concessions in hotels, etc.
11168 Concessionaries                                             2
      Contractors Equipment-cranes, derricks, power shovels
11201 and equipment incidental thereto-rented to others with      NQ
      operators
      Contractors Equipment-cranes, derricks, power shovels
11202 and equipment incidental thereto-rented to others           NQ
      without operators
      Contractors Equipment Dealers-ladders, excluding
11203                                                             NQ
      hoists, scaffolds or towers
      Contractors Equipment Dealers-ladders, hoists,
11204                                                             NQ
      scaffolds or towers
      Contractors Equipment-earth moving equipment other
11205 than cranes, derricks and power shovels-rented to           NQ
      others with operators
      Contractors Equipment-earth moving equipment other
11206 than cranes, derricks and power shovels-rented to           NQ
      others without operators
      Contractors Equipment-excluding automobiles-rented to
11207                                                             NQ
      others with operators
      Contractors Equipment-excluding automobiles-rented to
11208                                                             NQ
      others without operators
      Contractors Equipment-hod and material platform hoists
11209 and equipment incidental thereto-rented to others with     NQ
      operators
      Contractors Equipment-hod and material platform hoists
11210 and equipment incidental thereto-rented to others          NQ
      without operators
      Contractors Equipment-ladders, scaffolds, scaffolding,
11211 sidewalks, bridges, towers and equipment incidental        NQ
      thereto-rented to others
      Contractors Equipment-scaffolds, sidewalks, bridges,
11212 hod or material hoist towers-rented to others-             NQ
      installation, repair or removal operations only
      Contractors Equipment-steam boilers, compressors, air
11213 pressure tanks, pneumatic tools and equipment              NQ
      incidental thereto-rented to others with operators
      Contractors Equipment-steam boilers, compressors, air
11214 pressure tanks, pneumatic tools and equipment              NQ
      incidental thereto-rented to others without operators
11222 Copying and Duplicating Services - retail                   1
11234 Cosmetic, Hair or Skin Preparation Stores                   1
11248 Cotton or Wool Merchants                                   NQ
      Dairy Products or Butter and Egg Stores - Other than
11258                                                            1
      not for profit
      Dairy Products or Butter and Egg Stores - not for profit
11259                                                            1
      only
      Dance Halls, Ballrooms or Discos - Other than Not For
11273                                                            NQ
      Profit
11274 Dance Halls, Ballrooms or Discos - Not-For-Profit only     NQ
11288 Delicatessens                                               1
12014 Dental Laboratories                                         1
12356 Department or Discount Stores                               1
12361 Distributors - food or drink                                2   Maximum of 5 autos.
12362 Distributors - no food or drink                             2   Maximum of 5 autos.
12373 Drug Distributors                                          NQ
      Drugstores - no table or counter service for beverage or
12374                                                            1
      food
12375 Drugstores                                                 1
                                                                      This class is eligible for excess GL only. Auto
12391 Electrical Equipment Distributors                          2
                                                                      Liability Exclusions CUP 313.
12393 Electronics Store                                          1
      Equipment, Fixtures or Supplies – bars, hotels, offices,
12467                                                            2
      restaurants
12509 Fabric Distributors                                         2   Maximum of 5 autos.
12510 Fabric Stores                                               1
12583 Feed, Grain or Hay Dealers                                 NQ
12651 Fence Dealers                                               3
12683 Fertilizer Dealers and Distributors                        NQ
12707 Fire Protection Equipment Dealers & Distributors           NQ
12797 Floor Covering Distributors                                 2   Maximum of 5 autos.
12805 Floor Covering Stores                                       1
12841 Florists                                                    1   No non-owned delivery exposure
12927 Formal Wear or Costumes - rented to others                  3
13049 Frozen Food - distributors                                  2   Maximum of 5 autos.
13111 Fruit or Vegetable Dealers                                 NQ
13112 Fruit or Vegetable Distributors                             2   Maximum of 5 autos.
13201 Fuel Dealers or Distributors - coal or wood                NQ
13204 Fuel Oil or Kerosene Dealers                               NQ
13205 Fuel Oil or Kerosene Distributors                          NQ
13314 Fur - garments and pelts - distributors                    NQ
13351 Furniture Stores - other than not for profit                  1
13352 Furniture Stores - not for profit only                        1
13410 Gas Dealers-LPG                                              NQ
13411 Gas Dealers or Distributors                                  NQ
13412 Gas Distributors-LPG                                         NQ
13453 Gasoline Stations - full service                              2
13454 Gasoline Stations - self-service                              3
13455 Gasoline Stations - self and full service combined            3
13506 Gift Shops - other than not for profit                        1
13507 Gift Shops - not for profit only                              1
13590 Glass Dealers and Glaziers                                    2
13621 Grain Milling                                                NQ
13670 Grocery Distributors                                          2   Maximum of 5 autos.
13673 Grocery Stores                                                1   No non-owned delivery exposure
13715 Hardware and Tool Distributors                                3   Maximum of 5 autos.
13716 Hardware Stores                                               2   No non-owned delivery exposure
13720 Health or Natural Food Stores                                 1
13759 Hearing Aid Stores                                            1
      Heating & Air Conditioning Equip. - dealers or
13930                                                              3    Maximum of 5 autos.
      distributors
14068 Hide Dealers and Distributors - raw                          NQ
14101 Hobby, Model Maker or Artist's Supply Stores                  1
                                                                        Contractors' endorsements apply; Contractor's
14279 Home Improvement Stores                                      3    Supplemental App required; No owned or non-
                                                                        owned delivery exposure
14401   Ice Cream Stores                                           1
14405   Ice Dealers and Distributors                               2    Maximum of 5 autos.
14527   Janitorial Supplies - dealers or distributors              3    Maximum of 5 autos.
14655   Jewelry Stores or Distributors                             1
14731   Laundries and Dry Cleaners - self-service                  2
14732 Laundry and Dry Cleaning or Dyeing Receiving Stations        NQ
14733   Laundry and Dry Cleaning Stores                             2   No non-owned delivery exposure
14734   Laundry Rental Service                                     NQ
14855   Livestock Dealers or Commission Merchants                  NQ
14913   Locksmiths                                                  2
15060   Machinery or Equipment Dealers - const or indus            NQ
15061   Machinery or Equipment Dealers-farm type                   NQ
15062   Machinery or Equipment Dealers                             NQ
15063   Machinery or Equipment Dealers-yard or garden              NQ
15070   Mail Box or Packaging Stores                                1
15119   Markets - not open air - LRO - other than not for profit    1
15120   Markets - not open air - LRO - not for profit only          1
15123   Markets - open air - LRO - other than not for profit        1
15124   Markets - open air - LRO - not for profit only              1
        Oil or Gas Wells Supplies or Equipment Dealers -
15188                                                              NQ
        secondhand
15223   Meat, Fish, Poultry or Seafood - distributors              2    Maximum of 5 autos.
15224   Meat, Fish, Poultry or Seafood Stores                      2    No owned or non-owned delivery exposure
        Medical, Hospital and Surgical Equipment and Supplies-
15300                                                              NQ
        rented to others
15314   Medical, Hospital and Surgical Supply Stores                2   No non-owned delivery exposure
15404   Metal Dealers or Distributors - nonstructural              NQ
15405   Metal Dealers or Distributors - structural                 NQ
15406   Metal Scrap Dealers                                        NQ
15488   Mobile Home Sales Agencies                                  3
15538   Musical Instrument Stores                                   1
15600   Nail Salons                                                  1
15607   Newspaper or Magazine Distributors                          NQ
15608   Newsstands                                                   1   No owned or non-owned delivery exposure
15656   Nightclubs, Cabarets, Discos and Comedy Clubs               NQ
                                                                         Contractors' endorsements apply; Contractor's
15699 Nursery - garden                                              2
                                                                         Supplemental App required
15733   Oil Refineries                                              NQ
15839   Optical Goods Stores                                         1
15991   Paint, Wallpaper or Wallcovering Stores                      1   No non-owned delivery exposure
15993   Painting, Picture or Frame Stores                            1
16005   Paper Products Distributors                                  2   Maximum of 5 autos.
        Paper, Rag or Rubber Stock Dealers and Distributors -
16009                                                               NQ
        secondhand
16402   Pet Grooming                                                3
16403   Pet Stores                                                  2
16404   Pet Training                                                2    No guard dog training
16471   Photographers                                               1
16501   Plastic or Rubber Supply Goods Distributors                 2    Maximum of 5 autos.
        Plumbing Supplies and Fixtures Dealers and
16527                                                               2    Maximum of 5 autos.
        Distributors
16588   Printers or Electrotypers Supplies - distributors           2    Maximum of 5 autos.
16604   Produce Handling or Packing                                 2    No owned or non-owned delivery exposure
        Racquet Sports and Handball Facilities – commercially
16670                                                               2
        operated
16676   Music Stores – pre-recorded                                  1
16676   Records, Tapes and Sheet Music Stores                        1
16694   Recreational Vehicle Dealers                                NQ
        Refrigeration Equipment - Dealers and Distributors only -
16705                                                               NQ
        commercial
16722   Rental Stores                                               NQ
        Rental Stores - machinery or equipment - rented to
16723                                                               NQ
        other's on a long term basis
16750   Internet Retailers                                          1
16813 Restaurants - no sale of alcoholic beverages - w/ dance       3    No owned or non-owned delivery exposure
        Restaurants - no sale of alcoholic beverages - w/o
16814                                                               2    No owned or non-owned delivery exposure
        dance
        Restaurants – with sale of alcoholic beverages that are
16815   30% or more of but less than 75% of the total annual        3    No owned or non-owned delivery exposure
        receipts of the restaurants – with dance floor
        Restaurants – with sale of alcoholic beverages that are
16816   30% or more of but less than 75% of the total annual        2    No owned or non-owned delivery exposure
        receipts of the restaurants – without dance floor
16819   Restaurants - concessionaires - Other than Not-For-         2    No owned or non-owned delivery exposure
        Profit
16820   Restaurants - concessionaires - not for profit only          2   No owned or non-owned delivery exposure
16821   Restaurants - refreshment stands - for profit                2   No owned or non-owned delivery exposure
16822   Restaurants - refreshment stands - not for profit            2   No owned or non-owned delivery exposure
16823   Restaurants - self-service & cafeterias - for profit         2   No owned or non-owned delivery exposure
16824   Restaurants - self-serv & cafet - not for profit             2   No owned or non-owned delivery exposure
16881   Secondhand or Salvage Dealers and Distributors              NQ
        Seed Merchants - excl. misdelivery, error in mixture &
16890                                                               NQ
        germination
16891   Seed Merchants                                              NQ
16892   Seed Merchants - excl. germination failure                  NQ
        Restaurants – with no sale of alcoholic beverages –
16900                                                               2    No owned or non-owned delivery exposure
        with table service
        Restaurants – with no sale of alcoholic beverages –
16901                                                             2    No owned or non-owned delivery exposure
        without table service with seating
        Restaurants – with no sale of alcoholic beverages –
16902                                                             2    No owned or non-owned delivery exposure
        without seating
        Restaurants – with sale of alcoholic beverages that are
16910   less than 30% of the annual receipts of the restaurants   2    No owned or non-owned delivery exposure
        – with table service
        Restaurants – with sale of alcoholic beverages that are
16911   less than 30% of the annual receipts of the restaurants   2    No owned or non-owned delivery exposure
        – without table service with seating
        Restaurants – with sale of alcoholic beverages that are
16915   30% or more of but less than 75% of the total annual      3    No owned or non-owned delivery exposure
        receipts of the restaurants – with dance floor
      Restaurants – with sale of alcoholic beverages that are
16916 30% or more of but less than 75% of the total annual        3    No owned or non-owned delivery exposure
      receipts of the restaurants – without dance floor

      Restaurants – with sale of alcoholic beverages that are
16920 75% or more of total annual receipts of the restaurants     NQ
      – with tables – with dance floor: table service

      Restaurants – with sale of alcoholic beverages that are
16921 75% or more of total annual receipts of the restaurants     NQ
      – with tables – with dance floor: no table service

      Restaurants – with sale of alcoholic beverages that are
16930 75% or more of total annual receipts of the restaurants     NQ
      – with tables – without dance floor: table service

      Restaurants – with sale of alcoholic beverages that are
16931 75% or more of total annual receipts of the restaurants     NQ
      – with tables – without dance floor: no table service

      Restaurants – with sale of alcoholic beverages that 75%
16940 or more of total annual receipts of the restaurants – bar   NQ
      service only (no tables): with dance floor
      Restaurants – with sale of alcoholic beverages that 75%
16941 or more of total annual receipts of the restaurants – bar   NQ
      service only (no tables): without dance floor
18078 Ship Chandler Stores                                        NQ
18109 Shoe Repair Shops                                            1
18110 Shoe Stores                                                  1
18200 Spas or Personal Enhancement Facilities                     NQ
18205 Sporting Goods or Athletic Equipment Distributors           NQ
18206 Sporting Goods or Athletic Equipment Stores                  2
18335 Stationery or Paper Products Stores                          1
18435 Stores - food or drink - Other than Not For Profit           1   No non-owned delivery exposure
18436 Stores - food or drink - not for profit only                 1   No non-owned delivery exposure
18437 Stores - no food or drink - Other than not for profit        1
18438 Stores - no food or drink - not for profit only              1
18475 Telecommunication Equipment Providers                       NQ
18501 Supermarkets                                                 2   No non-owned delivery exposure
18506 Tailor merchants - men or boys                               1
18507 Tailoring or Dressmaking Establishments - custom             1
18570 Tattoo Parlors                                              NQ
18616 Tire Dealers                                                NQ
18707 Tobacco Products Distributors                               NQ
18708 Tobacco Products Stores                                     NQ
18833   Toy Distributors                                             NQ
18834   Toy Stores                                                   NQ
18911   Variety Stores - other than not for profit                    1
18912   Variety Stores - not for profit only                          1
18920   Video Stores                                                  1
18991   Warehouses - mini-warehouses                                  2
19007 Washing Machines, Dryers or Ironers - coin meter type          2
19051   Water Softening Equipment - rented to others                  2
19795   Trailer Dealers                                              NQ
19796   Trailer Rental Agencies                                      NQ
40005   Adult Day Care – Not-For-Profit only                         NQ
40006   Adult Day Care – Other than Not-For-Profit                   NQ
40010   Airports-commercial                                          NQ
40015   Airports-private                                             NQ
        Airport Control Towers-not operated exclusively by the
40020                                                                NQ
        FAA
        Airport-Lessees of portions of airports engaged in the
40026   sale of aircraft or accessories, servicing or repairing of   NQ
        aircraft or pilot instructions
        Ambulance Service, First Aid or Rescue Squads-Other
40031                                                                NQ
        than Not-For-Profit
        Ambulance Service, First Aid or Rescue Squads-Not-
40032                                                                NQ
        For-Profit only
40040   Amusement Devices                                            NQ
        Amusement Devices-operated in connection with
40041                                                                NQ
        carnivals or fairs-Other than Not-For-Profit
        Amusement Devices-operated in connection with
40042                                                                NQ
        carnivals or fairs-Not-For-Profit only
40045   Animals - draft                                              NQ
40046   Animals - saddle - for rent                                  NQ
40047   Animals - saddle - private                                   NQ
40059   Athletic Games Sponsored by the Insured – Other than         NQ
        Not-For-Profit
        Athletic Games Sponsored by the Insured - Not-For-
40061                                                                NQ
        Profit only
        Athletic or Sports Contests – in buildings – lessees –
40063                                                                NQ
        Other than Not-For-Profit
        Athletic or Sports Contests-in bldgs.-lessees- Not-For-
40064                                                                NQ
        Profit only
40066 Athletic Programs – amateur – Other than Not-For-Profit        NQ
40067   Athletic Programs - amateur - Not-For-Profit only            NQ
40069   Athletic Teams -professional or semi-professional            NQ
40072   Beaches - bathing-not commercially operated                  NQ
40075   Bingo Games - in public halls - commercially operated        NQ
40101   Blood Banks - Other Than Not For Profit                      NQ
40102   Blood Banks – Not For Profit Only                            NQ
40111   Boats-canoes or row-boats-not for rent-no motors             NQ
40115   Boats-motor or sail-not for rent                             NQ
40117   Boats-not for rent                                           NQ
40140   Boats-nonowned over 26 feet                                  NQ
41001   Boy or Girl Scout Councils                                   NQ
41210   Bus Stations or Terminals                                    NQ
41421   Camps-for profit                                             NQ
41422   Camps-not for profit                                         NQ
41510   Caves-tourist attraction                                     NQ
41603   Cemeteries - Other than not for profit                       NQ
41604 Cemeteries - not for profit only                             NQ
41650 Churches or Other Houses of Worship                          NQ
      Clubs-horseback riding-no commercial riding
41664                                                              NQ
      instructions
41665 Club - racket sports and handball                             2
41666 Clubs-swimming                                               NQ
      Club - civic, service or social - having bldgs or premises
41667                                                              2    No fraternities or sororities
      owned or leased - for profit
      Club - civic, service or social - having bldgs or premises
41668                                                              2    No fraternities or sororities
      owned or leased - not for profit only
      Club - civic, service or social - no buildings or premises
41669                                                              2    No fraternities or sororities
      owned or leased - for profit
      Club - civic, service or social - no buildings or premises
41670                                                              2    No fraternities or sororities
      owned or leased - not for profit
41672 Conventions (sponsor's risk only) -For Profit                NQ
41673 Conventions (sponsor's risk only) -Not-For-Profit            NQ
41675 Computer Consulting or Programming                           2    Professional Liability Exclusion CUP-384 applies
41677 Consultants                                                  2    Professional Liability Exclusion CUP-384 applies
      Community Recreational Facilities – not operated by
41678                                                              NQ
      governmental agency
      Cotton Gin Operations – other than those performed for
41679                                                              NQ
      a fee per bale
41680 Convents or Monasteries                                       2
41696 Crematories - for profit                                     NQ
41697 Crematories - not for profit                                 NQ
41700 Dam, Levee or Dike-existence hazard only                     NQ
41715 Day Care Centers-Other than Not For Profit                   NQ
41716 Day Care Centers-Not-For-Profit only                         NQ
43007 Drawbridges-existence hazard only                            NQ
43117 Dude Ranches                                                 NQ
43151 Computer Data Processing – operations                         3   Professional Liability Exclusion CUP-384 applies
43151 Electronic Data Processing Operations                        NQ
43152 Computer Data Processing – time sharing                       3   Professional Liability Exclusion CUP-384 applies
43152 Electronic Data Processing-time-sharing                      NQ
43200 Employment Agencies                                          NQ
43215 Entertainment Performed on Others Premises                   NQ
      Exhibitions-outside-in stadiums or on premises having
      grandstands or bleachers not erected by or for the
43421                                                              NQ
      insured-ushers or other attendants in stands not
      provided by the insured
      Exhibitions-outside-in stadiums or on premises having
43422 grandstands or bleachers-ushers or other attendants in       NQ
      stands provided by the insured
43424 Exhibitions-outside-no stadiums or grandstands               NQ
43470 Pest Control Services                                        NQ
43517 Fair Grounds-non-operating season                            NQ
43518 Fairs-outside (operator's risk only)                         NQ
43550 Fire Departments - other than volunteer                      NQ
43551 Fire Departments-volunteer                                   NQ
43626 Fireworks Exhibitions-(contractor's risk only)               NQ
43628 Fireworks Exhibitions-(sponsor's risk only)-For Profit       NQ
      Fireworks Exhibitions-(sponsor's risk only)-Not-For-
43629                                                              NQ
      Profit only
43754 Fishing Piers                                                NQ
43760 Fishing Ponds or Lakes-commercially operated                 NQ
43822 Forestry Service                                             NQ
43840 Fruit or Vegetable-harvesting contractors                    NQ
43860 Fumigating                                                      NQ
43889 Funeral Homes or Chapels                                        NQ
43945 Garbage or Refuse Dumps                                         NQ
      Garbage Works-separation for recycling, reduction or
43946                                                                 NQ
      incineration
43990 Gambling – casinos                                              NQ
44009 Gasoline or Oil Supply Stations-retail-(lessor's risk only)     NQ
44010 Gasoline Recovery-from casing head or natural gas               NQ
44069 Golf Courses - miniature                                        NQ
      Golf Courses - municipal or public - not golf or country
44070                                                                 3
      clubs
44071 Golf Driving Ranges                                             NQ
44072 Golfmobiles - loaned or rented                                  NQ
44193 Grandstands or Bleachers-Other than Not For Profit              NQ
44194 Grandstands or Bleachers-Not-For-Profit only                    NQ
44222 Guides or Outfitters                                            NQ
44276 Halls-Other than Not For Profit                                 NQ
44277 Halls-Not-For-Profit only                                       NQ
44311 Health or Exercise Clubs                                         3
44315 Health or Exercise Facilities – commercially operated            3
      Health Care Facilities-alcohol and drug-Other than Not
44427                                                                 NQ
      For Profit
      Health Care Facilities-alcohol and drug-Not-For-Profit
44428                                                                 NQ
      Only
      Health Care Facilities-convalescent or nursing homes-
44429                                                                 NQ
      not mental-psychopathic institutions-For Profit
      Health Care Facilities-convalescent or nursing homes-
44430                                                                 NQ
      not mental-psychopathic institutions-Not-For-Profit
44431 Health Care Facilities-homes for the aged-For Profit            NQ
44432 Health Care Facilities-homes for the aged-Not-For-Profit        NQ
        Health Care Facilities-homes for the physically
44433                                                                 NQ
        handicapped or orphaned-For Profit
        Health Care Facilities-homes for the physically
44434                                                                 NQ
        handicapped or orphaned-Not-For-Profit
44435   Health Care Facilities-hospitals-For Profit                   NQ
44436   Health Care Facilities-hospitals-Not-For-Profit               NQ
        Health Care Facilities-mental-psychopathic institutions-
44437                                                                 NQ
        For Profit
        Health Care Facilities-mental-psychopathic institutions-
44438                                                                 NQ
        Not-For-Profit
        Health Care Facilities-clinics, dispensaries or infirmaries
44439   treating outpatients only-no regular bed and board            NQ
        facilities-For Profit
        Health Care Facilities-clinics, dispensaries or infirmaries
44440   treating outpatients only-no regular bed and board            NQ
        facilities-Not-For-Profit
44500   Home Health Care Services – Not-For-Profit only               NQ
44501 Home Health Care Services – Other than Not-For-Profit           NQ
                                                                           Hotel/Motel must be 3 stories or less. Hotel
        Hotels and Motels - with pools or beaches - less than 4
45190                                                                 3    Supplemental required. CUP307 Assault and
        stories
                                                                           Battery Exclusion applies.
        Hotels and Motels - with pools or beaches - 4 stories or
45191                                                                 NQ
        more
                                                                       Hotel/Motel must be 3 stories or less. Hotel
        Hotels and Motels - w/o pools or beaches- less than 4
45192                                                             2    Supplemental required. CUP307 Assault and
        stories
                                                                       Battery Exclusion applies.
        Hotels and Motels - w/o pools or beaches - 4 stories or
45193                                                             NQ
        more
45224   Hunting Preserves - Other than Not For Profit             NQ
45225   Hunting Preserves - Not-For-Profit only                   NQ
45334   Insurance Agents                                          NQ
45380   Junk Dealers                                              NQ
45450   Kennels - breeding, boarding or sales                      3
        Lakes or Reservoirs-existence hazard only-Other than
45523                                                             NQ
        Not For Profit
        Lakes or Reservoirs-existence hazard only-Not-For-
45524                                                             NQ
        Profit Only
        Land - occupied by persons other than the insured for
45539                                                             1
        business purposes
45678   Laundries and Dry Cleaning Plants                         NQ
45771   Livestock Sales Companies                                 NQ
                                                                       No non-owned delivery exposure; Contractors'
45819 Lumberyards                                                 3
                                                                       endorsements apply
45900 Mail Order or Online Drugstores                             1    Professional Liability Exclusion CUP-384 applies
45901 Mail Order Houses                                           1
45937 Mailing or Addressing Companies                             1    Printers and Publishers Liability Exclusion CUP-380
45993   Manufacturers Representatives                             NQ
46004   Mausoleums - other than not for profit                    NQ
46005   Mausoleums - not for profit only                          NQ
46112   Diagnostic Testing Laboratories                           NQ
46202   Mobile Home Parks or Courts                                3
46362   Model Homes                                                3
46426   Museums - other than not for profit                        2
46427   Museums - not for profit only                              2
46510   Oil or Gas Wells - non-operating working interest         NQ
46590   Parades                                                   NQ
46603   Parking - public - not open air                            3
46604   Parking - public - open air                                2
        Parking - public - shopping centers - lessee maint. -
46606                                                             2
        LRO
        Parking - public - shopping centers - insured maint. -
46607                                                             2
        LRO
46622   Parking - private                                          2
46671   Parks or Playgrounds                                      NQ
46700   Penal Institutions                                        NQ
46773   Picnic Grounds - commercially operated                    NQ
46822   Political Campaign Headquarters or Offices                NQ
46881   Prof. & Trade Assocs. - no prem. - for profit              2
46882   Prof. & Trade Assocs. - no prem. - not for profit          2
46911   Race Tracks - motorized vehicles - operators              NQ
46912   Race Tracks - operators                                   NQ
46913   Race Tracks-motorized vehicles-(LRO)-ISO Multistate       NQ
46914   Racing (LRO)                                              NQ
46915   Race Tracks - motorized vehicles - (SRO)                  NQ
46916 Racing (SRO)                                                NQ
                                                                       Real Estate Agents Professional Liability Exclusion
47050 Real Estate Agents                                          2
                                                                       CUP-389
                                                                      Real Estate Agents Professional Liability Exclusion
                                                                      CUP-389; Residential Development Exclusion CUP-
47051 Real Estate Development Property                           2
                                                                      442; 3 stories max, Habitational Supp App; no
                                                                      subsidized housing, HUD, etc
                                                                      Real Estate Agents Professional Liability Exclusion
47052 Real Estate Property Managed                               2    CUP-389; 3 stories max, Habitational Supp App; no
                                                                      subsidized housing, HUD, etc
47103 Recording Studios                                          1
47146 Recycling Collection Centers - Other than Not For Profit   NQ
47147   Recycling Collection Centers - Not-For-Profit Only       NQ
47221   Riding Academies                                         NQ
47253   Rifle or Pistol Ranges - indoor                          NQ
47254   Rifle or Pistol Ranges                                   NQ
47318   Rodeos                                                   NQ
47367   Sales or Service Organizations                            2   Professional Liability Exclusion CUP-384 applies
47420   Saunas and Baths - public                                NQ
47468   Schools - correspondence                                 NQ
        Schools - faculty liability for corporal punishment of
47469                                                            NQ
        students
        Schools - public - elementary, kindergarten or junior
47471                                                            NQ
        high
47473   Schools - public - high                                  NQ
47474   Schools - trade or vocational                            NQ
        Schools - private - elementary, kindergarten or junior
47475                                                            NQ
        high - Other than Not For Profit
        Schools - private - elementary, kindergarten or junior
47476                                                            NQ
        high - Not-For-Profit Only
47477   School - private - high - Other than Not For Profit      NQ
47478   School - private - high - Not-For-Profit Only            NQ
47600   Internet Access Providers                                NQ
47610   Internet Service Providers                               NQ
48039   Sewers                                                   NQ
48177   Skating Rinks - ice                                      NQ
48178   Skating Rinks - roller                                   NQ
48206   Skeet Shooting or Trap Shooting Ranges                   NQ
48252   Ski Lifts, Tows or Runs                                  NQ
48441   Soap Box Derbies                                         NQ
48557   Social Gatherings and Meetings - for profit               2
48558   Social Gatherings and Meetings - not for profit           2
        Social Services – Consulting Services only – operated
48600                                                            NQ
        by the Private Sector
48610   Sports or Outdoor Activities – commercially operated     NQ
48636   Stockyards                                               NQ
        Stadiums - operated by insured - Other than Not For
48637                                                            NQ
        Profit
48638   Stadiums - operated by insured - Not-For-Profit only     NQ
        Streets, Roads, Highways or Bridges - existence and
48727                                                            NQ
        maintenance hazard only
48808   Sun Tanning Salons                                       NQ
48924   Swimming Pools - commercially operated                   NQ
48925   Swimming Pools                                           NQ   Except as part of habitational risk, ie Apt, Condo
49005   Taxidermists                                              1
49111   Tents or Canopies - loaned or rented to others           NQ
49181   Theaters - drive-in                                       3
49183   Theatres - motion picture                                 2
49184   Theatres - other than not for profit only                 2
49185   Theatres - not for profit only                            2
49239   Tire - retreading or recapping                          NQ
49292   Toll Bridges                                            NQ
49333   Travel Agency Tours                                     NQ
49451   Vacant Land - other than not for profit                  2
49452   Vacant Land - not for profit only                        2
49617   Vending Machine Operations - food, beve or ice          NQ
49618   Vending Machine Operations - tobacco products           NQ
49619   Vending Machine Operations                              NQ
49763   Warehouse - cold individual storage lockers              2
        Wharf and Waterfront Property - ferry docks or
49800                                                           NQ
        terminals
        Wharf and Waterfront Property - occupied by the
49801                                                           NQ
        insured for both freight and passenger purposes
        Wharf and Waterfront Property - not occupied by the
49802                                                           NQ
        insured (LRO)
        Wharf and Waterfront Property - occupied by the
49803                                                           NQ
        insured for freight purposes exclusively
49840   Window Decorating                                        1
49870   YMCA, YWCA or Similar Institutions                      NQ
49890   Youth Recreation Programs - Other than Not For Profit   NQ
49891   Youth Recreation Programs - Not-For-Profit only         NQ
49902   Zoos - Other than Not For Profit                        NQ
49903   Zoos - Not-For-Profit only                              NQ
50010   Abrasive Wheel Mfg.                                     NQ
50015   Abrasives or Abrasive Products Mfg. - artificial        NQ
50017   Abrasives or Abrasive Products Mfg.                     NQ
50045   Adhesive Mfg.                                           NQ
50047   Adhesive Tape Mfg.                                      NQ
51001   Aerosol Container Mfg.                                  NQ
51005   Aerosol Containers – filling or charging for others     NQ
51116   Air Conditioning Equipment Mfg.                         NQ
51201   Aircraft or Aircraft Parts Mfg.                         NQ
51205   Alarm Mfg. - burglar                                    NQ
51206   Alarm Mfg. - fire or smoke                              NQ
51210   Alcohol Mfg. - not beverage                             NQ
51211   Ammunition Mfg.                                         NQ
51220   Appliances and Accessories Mfg.-commercial-gas          NQ
51221   Appliances and Acc. Mfg.-commercial-not gas             NQ
51222   Appliances and Accessories Mfg.-household-gas           NQ
51224   Appliances and Acc. Mfg.-household-not gas              NQ
51230   Asbestos Goods Mfg.                                     NQ
51240   Asphalt or Tar Distilling or Refining                   NQ
51241   Asphalt Works                                           NQ
51250   Automobile, Bus and Truck Body Mfg.                     NQ
        Automobile, Bus or Truck Parts Mfg.- brakes or brake
51251                                                           NQ
        linings
        Automobile, Bus or Truck Parts Mfg.- not operating
51252                                                           NQ
        parts
51253   Automobile, Bus or Truck Parts Mfg. - operating parts   NQ
        Automobile, Bus or Truck Parts Mfg. - passenger
51254                                                           NQ
        restraining devices
51255   Automobile Mfg. or Assembling                           NQ
51300   Baby Food Mfg. - in glass containers                    NQ
51305   Baby Food Mfg.                                          NQ
51315   Bakery Plants                                            2   Maximum of 5 autos.
51330   Battery Mfg. - dry cell                                 NQ
51333   Battery Mfg. - wet cell or storage                      NQ
51340   Bearing Mfg.                                            NQ
51350 Beer, Ale or Malt Liquor Mfg. - in bottles                  NQ
51351 Beer, Ale or Malt Liquor Mfg. - in cans                     NQ
51352 Beer, Ale or Malt Liquor mfg. - not bottled or canned       NQ
      Beverage Bottler - soft drinks - carbonated - in cans or
51355                                                             NQ
      plastic bottles
51356 Beverage Bottler - soft drinks - carbonated - in bottles    NQ
51357 Beverage Bottler - soft drinks - in metal cylinders         NQ
51358 Beverage Bottler - soft drinks - in paper containers        NQ
51359 Beverage Bottler - soft drinks - not carbonated             NQ
51370 Bicycle Mfg. - not motorized                                NQ
51380 Billiard or Pool Table Mfg.                                 NQ
51400 Boat or Ship Building-Inboard & inboard/outboard            NQ
51401 Boat or Ship Building-Without motors                        NQ
51500 Bolt, Nut, Rivet, Screw or Washer Mfg.                      NQ
51516 Bookbinding - other than not for profit                      1
51517 Bookbinding - not for profit only                            1
51550 Bottle & Jar Mfg. - glass - not pressure                    NQ
      Bottle & Jar Mfg.-glass-for use under pressure-
51551                                                             NQ
      nonreturnable
      Bottle & Jar Mfg.-glass-for use under pressure-
51552                                                             NQ
      returnable
51553 Bottle & Jar Mfg. - plastic - nonreturnable                 NQ
51554 Bottle & Jar Mfg. - plastic - returnable                    NQ
51575 Boxes or Containers Mfg. - corrugated or fiberboard         NQ
51576 Boxes or Containers Mfg. - wood                             NQ
51600 Brick Mfg.                                                  NQ
51613 Brush or Broom Mfg.                                         NQ
51625 Bus Mfg. or Assembling or Reconstruction                    NQ
51666 Buttons or Fasteners Mfg.                                   NQ
51702 Camper Bodies or Camper Trailers Mfg.                       NQ
51703 Campers Mfg.-self-powered                                   NQ
51734 Can Mfg. - metal                                            NQ
51741 Candle Mfg.                                                 NQ
51752 Candy or Confectionary Products Mfg.                        NQ
51767 Carbon Paper or Inked Ribbon Mfg.                           NQ
51777 Carpet or Rug Mfg.                                          NQ
51790 Caulking Compounds, Putty or Similar Products Mfg.          NQ
51796 Cellophane and Cellophane Products Mfg.                     NQ
51808 Cement, Concrete Mix or Plaster Mfg. - packaged             NQ
51809 Cement or Plaster Mfg. - bulk                               NQ
51833 Charcoal or Coal Briquette Mfg.                             NQ
51850 Chemical Mfg.-commercial or industrial                      NQ
      Chemical Mfg.-commercial or industrial-toxic and either
51851                                                             NQ
      flammable, explosive or reactive
      Chemical Mfg.-commercial or industrial-primarily
51852                                                             NQ
      flammable, explosive or reactive
      Chemical Mfg.-commercial or industrial-primarily toxic or
51853                                                             NQ
      presenting a health hazard
      Chemical Mfg.-household-toxic and either flammable,
51854                                                             NQ
      explosive or reactive
51855 Chemical Mfg.-household                                     NQ
      Chemical Mfg.-household-primarily flammable,
51856                                                             NQ
      explosive or reactive
      Chemical Mfg. household-primarily toxic or presenting a
51857                                                             NQ
      health hazard
51869 China, Porcelain or Earthenware Mfg.                        NQ
51877 Clay Products Mfg                                           NQ
51889 Clock Mfg.                                                   1   Aircraft Products & Grounding Exclusion CUP-303
51896   Clothing Mfg.                                             NQ
51900   Coffins or Caskets Mfg.                                    2
51909   Coke Mfg.                                                 NQ
51919   Color or Pigment Preparation                              NQ
        Communication or Recording Systems or Equip Mfg. -
51926                                                             NQ
        industrial or commercial
        Communication or Recording Systems or Equip. Mfg.-
51927                                                             NQ
        Other than industrial or commercial
51934   Composition Goods Mfg.-Not floor Coverings                NQ
51941   Computer Mfg.                                             NQ
51942   Computer Software Mfg. – Pre-packaged                     NQ
51956   Concrete-mixed in transit                                 NQ
51957   Concrete or Plaster Products Mfg. - not structural        NQ
51958   Concrete Products Mfg.-prestressed                        NQ
51959   Concrete Products Mfg.-structural                         NQ
51960   Contact Lenses Mfg.                                       NQ
51970   Cosmetics Mfg.                                            NQ
51982   Cotton Batting, Wadding or Waste Mfg.                     NQ
51985   Cotton Compressing                                        NQ
51986   Cotton Gin Operations                                     NQ
51999   Cutlery and Flatware Mfg.                                 NQ
52002   Dairy Products Mfg.                                       NQ
52075   Detergent Mfg. - household                                NQ
52076   Detergent Mfg. - other than household                     NQ
52109   Dextrine Mfg.                                             NQ
52134   Door or Window Mfg. - other than wood                     NQ
52135   Door or Window Mfg. - wood                                NQ
52137   Die Casting Mfg.                                          NQ
52150   Distillation or Extraction                                NQ
52341   Drug Mfg.-biological products                             NQ
        Drug, Medicine or Pharmaceutical Preparations Mfg.-for
52342                                                             NQ
        animal use
        Drug, Medicine or Pharmaceutical Preparations Mfg. -
52343                                                             NQ
        other than for animal use
52401   Drums or Containers Mfg.-metal                            NQ
52402   Drums or Containers Mfg.-plastic                          NQ
52432   Electrical Equipment Mfg.                                 NQ
        Electrical Equipment Mfg.-for direct and indirect
52433                                                             NQ
        application to the body
52435   Electrical Generating Machinery Mfg.                      NQ
52438   Electrical Parts, Components or Accessories Mfg.          NQ
        Electrical Power Distribution or Transmission Equipment
52440                                                             NQ
        Mfg.
52467   Electrical Wire or Cable Mfg.                             NQ
52469   Electronic Components Mfg.                                NQ
52505   Electronic Games Mfg.                                     NQ
52547   Electroplating                                             2   Aircraft Products & Grounding Exclusion CUP-303
52581   Elevator Mfg                                              NQ
52619   Engine or Turbine Mfg.-not aircraft                       NQ
52660   Engraving                                                  1   Aircraft Products & Grounding Exclusion CUP-303
52744   Escalator or Moving Sidewalk Mfg.                         NQ
52767   Exercise or Playground Equipment Mfg.                     NQ
52876   Explosive or Fireworks Mfg.                               NQ
52911   Extracts Mfg.                                             NQ
52967   Eye Glass Lens Mfg.                                       NQ
53001   Feed Mfg.                                                 NQ
53077   Fertilizer Mfg.                                           NQ
53095   Fiber Mfg. - other than synthetic                         NQ
53096   Fiber Mfg.-synthetic                                          NQ
53121   Fiberglass Mfg.                                               NQ
53147   Fire Extinguishers Mfg.                                       NQ
53229   Fire Suppression Systems Mfg.                                 NQ
53271   Firearms Mfg.                                                 NQ
        Floor Covering Mfg.– not carpets, rugs, ceramic or
53333                                                                 2    Aircraft Products & Grounding Exclusion CUP-303
        stone tiles
53374   Food Products Mfg.-dry                                        NQ
53375   Food Products Mfg.-frozen                                     NQ
53376   Food Products Mfg.-not dry-in glass containers                NQ
        Food Products Mfg.-not dry-in other than glass
53377                                                                 NQ
        containers
53403   Forging Work                                                  NQ
53425   Foundries                                                     NQ
        Fruit or Vegetable Juice Mfg.-no bottling of carbonated
53565                                                                 NQ
        beverages
53631   Fur Garment Mfg.                                              NQ
53632   Fur or Pelt Processing                                        NQ
53731   Furniture Mfg. or Assembling-infants                          NQ
53732   Furniture Mfg. or Assembling - other than wood                NQ
53733   Furniture Mfg. or Assembling - wood                           NQ
        Furniture or Woodwork Stripping, Refinishing or
53734                                                                 NQ
        Repairing-shop only
53803   Galvanizing or Tinning                                        NQ
        Gas Manufacturing-toxic and either flammable,
53901                                                                 NQ
        explosive or reactive
53902   Gas Manufacturing-inert                                       NQ
53903   Gas Manufacturing - other                                     NQ
        Gas Manufacturing-primarily flammable, explosive or
53904                                                                 NQ
        reactive
        Gas Manufacturing-primarily toxic or presenting a health
53905                                                                 NQ
        hazard
53907   Gasoline Distributors                                         NQ
54012   Gemstone Cutting or Polishing                                  1
54077   Glass or Glassware Manufacturing                              NQ
54444   Manufacturers NOC                                             NQ
55010   Heating Equipment Mfg.-coal or wood                           NQ
55011   Heating Equipment Mfg.-electric                               NQ
55012   Heating Equipment Mfg.-fuel oil or kerosene                   NQ
55013 Heating Equipment Mfg.-gas or liquefied petroleum gas           NQ
55214   Hone, Oilstone or Whetstone Mfg.                              NQ
55371   Honey Extracting                                               1
55410   Importers                                                     NQ
55426   Ink Mfg.                                                      NQ
55597   Inner Tubes Mfg.                                              NQ
        Instrument Mfg.-analytical, calibrating, measuring,
55647                                                                 NQ
        testing or recording
55648   Instrument Mfg.-control                                       NQ
55649   Instrument Mfg.                                               NQ
55715   Insulating Material Mfg.-mineral                              NQ
55716   Insulating Material Mfg.-organic                              NQ
        Insulating Material Mfg.-plastic-for application in a solid
55717                                                                 NQ
        state
55718   Insulating Material Mfg.-plastic                              NQ
55802   Jewelry Mfg.                                                  NQ
55918   Ladder Mfg. - other than wood                                 NQ
55919   Ladder Mfg.-wood                                              NQ
56040   Lamp Shade Mfg.                                              NQ
56041   Lamps or Lanterns Mfg. - electric                            NQ
56042   Lamps or Lanterns Mfg. - other than electric                 NQ
56170   Lead Mfg.-red or white                                       NQ
56171   Lead Works-sheet, pipe or shot                               NQ
56202   Leather Goods Mfg.                                           NQ
56390   Light Bulb or Tubes Mfg.                                     NQ
56391   Lighting Fixtures Mfg.                                       NQ
56427   Lime Mfg.                                                    NQ
56488   Liquor Mfg.                                                  NQ
56567   Lubricants Mfg.-grease                                       NQ
        Machinery or Machinery Parts Mfg.-construction, mining
56650                                                                NQ
        or materials handling type
56651   Machinery or Machinery Parts Mfg.-farm type                  NQ
56652   Machinery or Machinery Parts Mfg.-industrial type            NQ
56653   Machinery or Machinery Parts Mfg.-metalworking               NQ
56654   Machinery or Machinery Parts Mfg.                            NQ
56690   Match Mfg.                                                   NQ
56699   Mattress or Box Spring Mfg.                                  NQ
56758   Meat, Fish, Poultry or Seafood-curing                        NQ
        Meat, Fish, Poultry or Seafood Processing-in airtight
56759                                                                NQ
        containers
        Meat, Fish Poultry or Seafood Processing-not in airtight
56760                                                                NQ
        containers
        Medical, Dental, Hospital or Surgical Equipment or
56805                                                                NQ
        Supplies Mfg.-expendable
        Medical, Dental, Hospital or Surgical Equipment or
56806                                                                NQ
        Supplies Mfg.-nonexpendable
56807   Medical, Dental, Hospital or Surgical Instruments Mfg.       NQ
        Medical, Dental or Surgical Diagnostic or Treatment
56808                                                                NQ
        Machines or Devices Mfg.
56900   Metal Extraction or Refining                                 NQ
56910   Metal Foil Mfg.                                              NQ
56911   Metal Goods Mfg.                                             NQ
56912   Metal Goods Mfg. - stamping - not signs                      NQ
56913   Metal Heat Processing                                        NQ
56915   Metal Works - shop - structural - load bearing               NQ
56916   Metal Works - shop - structural - not load bearing           NQ
56917   Metals - extraction or refining-chemical processes           NQ
        Metals - extraction or refining-electro-metallurgical
56918                                                                NQ
        processes
        Metals - extraction or refining of ferrous metals-blast
56919                                                                NQ
        furnace or other pyrometallurgical processes
        Metals - extraction or refining of nonferrous metals-blast
56920                                                                NQ
        furnace or other pyrometallurgical processes
56980   Mica Goods Mfg.                                              NQ
57001   Milk Depots or Dealers                                       NQ
57002   Milk Processing                                              NQ
57090   Mobile Home Mfg.                                             NQ
57146   Modular Units Mfg.                                           NQ
57202 Motorcycle, Moped or Motor Scooter Mfg.                        NQ
57257   Musical Instrument Mfg.                                      NQ
57401   Nails or Spikes Mfg                                          NQ
57403   Needles, Pins or Tacks Mfg.                                  NQ
57410   Net Mfg. - other than safety nets                            NQ
57411   Net Mfg. - safety nets                                       NQ
57572   Office Machines Mfg                                          NQ
57600 Optical Goods Manufacturing                               NQ
57611 Ore Milling or Processing                                 NQ
57625 Orthopedic, Ambulation or Prosthetic Devices Mfg.         NQ
57651 Packing Houses                                            NQ
57690 Paint, Varnish, Shellac or Lacquer Mfg.                   NQ
57716 Paper Coating or Finishing                                NQ
57725 Paper Goods Mfg.                                          NQ
57726 Paper Mfg.                                                NQ
57798 Parachute Mfg.                                            NQ
57808 Pattern Mfg. - metal                                      NQ
57809 Pattern Mfg. - other                                      NQ
57810 Pattern Mfg. - paper                                      NQ
57871 Pencil, Pen, Crayon or Chalk Mfg.                         NQ
57913 Pet Food Mfg.                                             NQ
57997 Photo Finishing Laboratories                              NQ
57998 Photographic Equipment Mfg.                                3
57999 Photographic Supplies Mfg.                                NQ
58009 Pipes or Tubes Mfg. - metal                               NQ
58010 Pipes or Tubes Mfg. - plastic                             NQ
58020 Pipes Mfg. - tobacco                                      NQ
58056 Plastic Mfg. - raw material                               NQ
58057 Plastic or Rubber Goods Mfg. - household                  NQ
58058 Plastic or Rubber Goods Mfg. - other than household       NQ
58095 Plumbing Fixtures Mfg.                                    NQ
58096 Plumbing Supplies Mfg.                                    NQ
58301 Plywood, Veneer or Veneer Products Mfg. - other           NQ
      Plywood, Veneer or Veneer Products Mfg.-without log
58302                                                           NQ
      processing
58397 Prefabricated Building Mfg.                               NQ
                                                                     Printers and Publishers Liability Exclusion CUP-380
58408 Lithographing                                             1    and Aircraft Products & Grounding Exclusion CUP-
                                                                     303
                                                                     Printers and Publishers Liability Exclusion CUP-380
58408 Printing - other than not for profit                      1    and Aircraft Products & Grounding Exclusion
                                                                     CUP-303
                                                                     Printers and Publishers Liability Exclusion CUP-380
58409 Printing - not for profit only                            1    and Aircraft Products & Grounding Exclusion
                                                                     CUP-303
        Publishers - books or magazines - Other than Not For
58456                                                           NQ
        Profit
58457   Publishers - books or magazines - Not-For-Profit Only   NQ
58458   Publishers - newspapers - Other than Not For Profit     NQ
58459   Publishers - newspapers - Not-For-Profit only           NQ
58503   Pulp Mfg.                                               NQ
58532   Pumps or Compressors Mfg.                               NQ
58559   Railroad Engine Mfg.                                    NQ
58560   Railroad or Other Public Conveyance Cars Mfg.           NQ
58561   Railroad or Other Public Conveyance Cars Parts Mfg.     NQ
58575   Razor or Razor Blades Mfg.                              NQ
58627   Musical Products Mfg. – pre-recorded                    NQ
58627   Records or Tapes Mfg. - pre-recorded                    NQ
58663   Refrigeration Equipment Mfg.                            NQ
58682   Rendering Works                                         NQ
58713   Rolling Mills - cold or hot process                     NQ
58737   Rope Mfg.                                               NQ
58756   Rubber Mfg.                                             NQ
58757   Rubber Reclaiming                                       NQ
58759   Rubber Stamp Mfg. or Assembling                          NQ
58802   Saddles, Harnesses or Horses Furnishings Mfg.            NQ
58813   Safes or Safe Vaults Mfg.                                NQ
58822   Sail Making                                              NQ
58837   Salt, Borax, Potash or Phosphate-producing or refining   NQ
58840   Salt Mfg.                                                NQ
58873   Saw Mills or Planing Mills                               NQ
58903   Sewing Machines Mfg. - commercial                        NQ
58904   Sewing Machines Mfg. - household                         NQ
58922   Sheet Metal Work - shop only                              2   Aircraft Products & Grounding Exclusion CUP-303
59005   Shoe, Boot or Slipper Mfg.                               NQ
59057   Sign Mfg. - electrical                                    3
59058   Sign Mfg. - Other than electrical                         3
59188   Slate Milling                                            NQ
59189   Slate Splitting or Slate Roofing Mfg.                    NQ
59223   Soap Mfg.                                                NQ
59257   Sponge Processing                                        NQ
59306   Sporting Goods or Athletic Equipment Mfg.                NQ
59378   Steel Wool or Wire Wool Mfg.                             NQ
59481   Stone Crushing                                           NQ
59482   Stone Cutting or Polishing                                2
59537   Sugar Refining                                           NQ
59601   Swimming Pools or Accessories Mfg.                       NQ
59647   Syrups or Molasses - refining, blending or mfg.          NQ
59660   Tank Building or Mfg. - metal - not pressurized          NQ
59661   Tank Building or Mfg. - metal - pressurized              NQ
59693   Tanning - animal hides                                   NQ
59695   Telecommunication Equipment Mfg.                         NQ
59701   Television Picture Tube Mfg.                             NQ
59713   Tent or Canopy Mfg.                                      NQ
        Textile Bleaching, Dyeing, Mercerizing, Printing,
59722                                                            NQ
        Finishing or Silk Screening - new goods
59723   Textile Coating or Impregnating                          NQ
59724   Textile Mfg. - impregnated or coated                     NQ
59725   Textile Products Mfg. - fabricated                       NQ
59726   Textile Spinning, Weaving or Knitting Mills              NQ
59738   Tie, Post or Pole Yard                                    2
59750   Tire Mfg. - auto, bus or truck                           NQ
59751   Tire Mfg. - not auto, bus or truck                       NQ
59773   Tobacco Products Mfg. - cigars or cigarettes             NQ
59774   Tobacco Products Mfg. - other                            NQ
59775   Tobacco Products Mfg. - plug or snuff                    NQ
59781   Tool Mfg. - accessories                                  NQ
59782   Tool Mfg. - hand type - not powered                      NQ
59783   Tool Mfg. - hand type -powered                           NQ
        Tool Mfg. - power equipment - household type - outdoor
59784                                                            NQ
        or workshop
59790   Toys or Games Mfg.                                       NQ
59798   Trailers Mfg.                                            NQ
59806   Truck Mfg. or Assembling                                 NQ
59867   Turpentine or Resin Mfg.                                 NQ
59886   Twine or Cordage Mfg.                                    NQ
59889   Umbrella or Cane Mfg.                                    NQ
59892   Valves Mfg.                                              NQ
59904   Vegetable Oil Mfg. - by solvent extraction               NQ
59905   Vegetable Oil Mfg.                                       NQ
59914   Metal Works - shop - decorative or artistic               2   Aircraft Products & Grounding Exclusion CUP-303
59915   Vending Machines Mfg.                                    NQ
59917 Venetian Blinds Mfg. or Assembling                          NQ
59923 Watch or Watch Case Mfg.                                     1   Aircraft Products & Grounding Exclusion CUP-303
59925 Water Bottling - in siphons                                 NQ
      Water Bottling - spring or well - not sparkling or
59926                                                             NQ
      carbonated
59927 Water Bottling - spring or well - sparkling or carbonated   NQ
59931   Wax or Wax Products Mfg.                                  NQ
59932   Wax, Wax Products or Polish Mfg. - floor                  NQ
59941   Wheel Mfg.                                                NQ
59947   Wicker, Rattan, Willow or Twisted Fiber Products Mfg.     NQ
59955   Wigs or Hair Pieces Mfg.                                  NQ
59963   Wine Mfg. - sparkling                                     NQ
59964   Wine Mfg. - still                                         NQ
59970   Wire Cloth Mfg.                                           NQ
59973   Wire Drawing                                              NQ
59975   Wire Goods Mfg.                                           NQ
59977   Wire Rope or Cable Mfg. - metal                           NQ
59984   Wood Preserving                                           NQ
59985   Wood Products Mfg.                                        NQ
59986   Wood Turned Products Mfg.                                 NQ
59988 Wool Combing, Scouring or Separating from Cotton            NQ
59989 Wool Pulling                                                NQ
                                                                       3 stories max; Habitational Supp App required; no
60010 Apartment Buildings                                         2
                                                                       subsidized housing, HUD, etc
                                                                  2    3 stories max; Habitational Supp App required; no
60011 Apartment Buildings - garden
                                                                       subsidized housing, HUD, etc
      Apartment Buildings or Hotels time-sharing less than 4
60012                                                             NQ
      stories
      Apartment Buildings or Hotels time-sharing- 4 stories or
60013                                                             NQ
      more
                                                                       3 stories max; Habitational Supp App required; no
60015 Apartment Hotels – less than 4 stories                      3
                                                                       subsidized housing, HUD, etc
60016 Apartment Hotels – 4 stories or more                        NQ
60035 Automobile Renting or Leasing Companies                     NQ
61000 Boarding or Rooming Houses                                  NQ
61212 Building or Premises - LRO - for profit                      1
61216 Building or Premises - LRO - not for profit                  1
61217 Building or Premises - LRO - maintained - for profit         1
61218 Building or Premises - LRO - maint - not for profit          1
61223 Building or Premises - bank                                  1   Financial Institutions Endorsement CUP-339
61224 Building or Premises - office - insd. occ - for profit       1
61225 Building or Prem - office - insd. occ - not for profit       1
61226 Building or Premises - office - other than not for profit    1
61227 Building or Premises - office - not for profit only          1
      Condominiums - commercial - bank, mercantile,                    If D & O covered in U/L, can provide following form
62000                                                             2
      manufacturing or office, etc.                                    D&O Coverage
      Condominiums - commercial shopping centers                       If D & O covered in U/L, can provide following form
62001                                                             2
      (association risk only)                                          D&O Coverage
      Condominiums - commercial warehouses-                            If D & O covered in U/L, can provide following form
62002                                                             2
      manufacturing or private (association risk only)                 D&O Coverage; 3 stories max
                                                                       If D & O covered in U/L, can provide following form
62003 Condominiums - residential (association risk only)          2
                                                                       D&O Coverage; 3 stories max; Habitational Supp
                                                                       3 stories max; Habitational Supp App required; no
63010 Dwellings - one family (lessors risk only)                  2
                                                                       subsidized housing, HUD, etc
                                                                       3 stories max; Habitational Supp App required; no
63011 Dwellings - two family (lessors risk only)                  2
                                                                       subsidized housing, HUD, etc
                                                                        3 stories max; Habitational Supp App required; no
63012 Dwellings - three family (lessors risk only)                 2
                                                                        subsidized housing, HUD, etc
                                                                        3 stories max; Habitational Supp App required; no
63013 Dwellings - four family (lessors risk only)                  2
                                                                        subsidized housing, HUD, etc
        Exhibition or Convention Buildings – other than not for
63215                                                              NQ
        profit
63216   Exhibition or Convention Buildings – not for profit only   NQ
63217   Exhibitions-in buildings-Other than Not For Profit         NQ
63218   Exhibitions-in buildings-Not-For-Profit only               NQ
        Exhibitions-in buildings.-no admission charged-Other
63219                                                              NQ
        than Not For Profit
        Exhibitions-in buildings-no admission charged-Not-For-
63220                                                              NQ
        Profit only
                                                                        Hotel/Motel must be 3 stories or less. Hotel
64074 Hotels and Motels - less than 4 stories - LRO                3    Supplemental required. CUP307 Assault and
                                                                        Battery Exclusion applies.
64075   Hotels and Motels - 4 stories or more - LRO                NQ
64500   Housing Projects-federal, state, local                     NQ
65007   Labor Union Offices                                        NQ
66122   Lawyers Offices - other than not for profit                 1   Lawyers Professional Exclusion CUP-355
66123   Lawyers Offices - not for profit only                       1   Lawyers Professional Exclusion CUP-355
66309   Libraries                                                   1
66561   Medical Offices                                             1   Professional Liability Exclusion CUP-384
        Mission, Settlement or Halfway Houses - not church or
67017                                                              NQ
        office buildings
        Shelters, Mission, Settlement or Halfway House – Not
67017                                                              NQ
        Church or Office Buildings
        Schools - colleges, universities, junior colleges or
67508                                                              NQ
        college preparatory - Other than Not For Profit
        Schools - colleges, universities, junior colleges or
67509                                                              NQ
        college preparatory - Not-For-Profit Only

67510 Schools - dormitory facilities - Other than Not For Profit   NQ
67511   Schools - dormitory facilities - Not-For-Profit only       NQ
67512   Schools - Other than Not For Profit                        NQ
67513   Schools - Not-For-Profit Only                              NQ
67634   Shopping Centers - indoor malls - LRO                       2
67635   Shopping Centers - LRO                                      2
68001   Taxicab Companies                                          NQ
68439   Ticket Agencies                                             1
                                                                        If D & O covered in U/L, can provide following form
68500 Townhouses or Similar Associations (assoc. risk only)        2
                                                                        D&O Coverage; 3 stories max; Habitational Supp
68604   Vacant Buildings - factories                               NQ
68606   Vacant Bldgs - not factories - other than not for profit   NQ
68607   Vacant Buildings - not factories - Not-For-Profit only     NQ
68702   Warehouses - occupied by multi interests - LRO              2
68703   Warehouses - occupied by single interest - LRO              2
68706   Warehouses - private - other than not for profit            2
68707   Warehouses - private - not for profit only                  2
90089   Advertising Sign Companies - outdoor                        2
        Air Conditioning Sys. or Equip. - dealers or dist. &            Contractor's endorsements apply, Contractor's
91111                                                              3
        installers                                                      Supplemental App required.
        Airport Runway or Warming Apron-paving or repaving,
91125                                                              NQ
        surfacing or resurfacing or scraping
        Alarms and Alarm Systems-installation, servicing or
91127                                                              NQ
        repair
91130   Alarms - security systems-monitoring                       NQ
91135   Analytical Chemists                                        NQ
        Appliances and Acc. installation, servicing or repair-
91150                                                             NQ
        commercial
        Appliances and Acc. installation, servicing or repair-         Contractors' endorsements apply; Contractor's
91155                                                             2
        household                                                      Supplemental App required
91160   Armored Car Service Companies                             NQ
91175   Auctioneers - livestock - away from insds. premises        2
91177   Auctioneers - away from insds. premises                    2
91179   Auctions - on premises owned or rented by insured          2
91190   Automobile Dismantling                                    NQ
91200   Blacksmithing                                              2
91210   Blasting Operations                                       NQ
91235   Boat Repair and Servicing                                 NQ
91250   Boiler Inspection, Installation, Cleaning or Repair       NQ
91265   Bridge or Elevated Hwy Construction-iron or steel         NQ
91266   Bridge or Elevated Hwy Construction-concrete              NQ
91280   Building Structure-raising or moving                      NQ
91302   Cable Installation in Conduits or Subways                 NQ
                                                                       Broadcasting or Telecasting Activities Exclusion
91315 Cable or Subscription Television Companies                  3
                                                                       CUP-318
91324 Caisson or Cofferdam Work-foundations for bldgs.            NQ
      Caisson or Cofferdam Work-not foundations for
91325                                                             NQ
      buildings.
      Carpentry - construction of residential property not             Contractors' endorsements apply; Contractor's
91340                                                             3
      exceeding three stories                                          Supplemental App required
                                                                       Contractors' endorsements apply; Contractor's
91341 Carpentry - interior                                        2
                                                                       Supplemental App required
                                                                       Contractors' endorsements apply; Contractor's
91342 Carpentry                                                   3
                                                                       Supplemental App required
91343 Carpentry - shop only                                       2
      Carpet, Rug, Furniture or Upholstery Cleaning - on
91405                                                             2
      customers' premises
                                                                       Contractors' endorsements apply; Contractor's
91436 Ceiling or Wall Installation - metal                        2
                                                                       Supplemental App required
91481   Chimney Cleaning                                          NQ
91507   Clay or Shale Digging                                     NQ
91523   Cleaning or Renovating-outside surfaces of bldgs.         NQ
91547   Commissary Work                                           NQ
91551 Communication Equipment Installation - ind. or comml.       3
91555 Computer Service or Repair                                  2
                                                                       Contractors' endorsements apply; Contractor's
91560 Concrete Construction                                       3
                                                                       Supplemental App required
      Concrete or Cement Distributing Towers-rented to
91562                                                             NQ
      others-installation, repair or removal operations only
91577 Conduit Construction for Cables or Wires                    NQ
                                                                       Contractors' endorsements apply; Contractor's
91580 Contractors Executive Supervisors or Superintendents        3
                                                                       Supplemental App required
      Contractors-subcontracted work-in connection with
91581 construction, reconstruction, erection or repair-not        NQ
      buildings

      Contractors – subcontracted work – in connection with
91582                                                             NQ
      building construction, reconstruction, repair or erection
      – apartment or office buildings over four stories
      Contractors – subcontracted work – in connection with
91583 building construction, reconstruction, repair or erection   NQ
      – one or two family dwellings
                                                                       Contractors' endorsements apply; Contractor's
91584 Contractors - subcontracted work - industrial buildings     3
                                                                       Supplemental App required
                                                                       Contractors' endorsements apply; Contractor's
91585 Contractors - subcontracted work - buildings                3
                                                                       Supplemental App required
        Contractors-subcontracted work-in connection with oil
91586                                                             NQ
        and gas field construction, reconstruction or repair
      Contractors-subcontracted work-in connection with
91587 pipeline (other than oil or gas), or communication or       NQ
      power line construction, reconstruction or repair
      Contractors-subcontracted work-in connection with
91588 bridge, tunnel or elevated street or highway                NQ
      construction, reconstruction or repair
      Contractors-subcontracted work-in connection with
91589                                                             NQ
      street or highway construction, or repair, not elevated
      Contractors Permanent Yards - maintenance or storage             Contractors' endorsements apply; Contractor's
91590                                                             3
      of equipment or materials                                        Supplemental App required
                                                                       Contractors' endorsements apply; Contractor's
91600 Construction or Project Manager                             3
                                                                       Supplemental App required
91606 Crop Spraying-by contractors                                P
91618 Dam or Reservoir Construction                               P
                                                                       Contractors' endorsements apply; Contractor's
91629 Debris Removal-construction site                            3
                                                                       Supplemental App required
91636 Detective or Investigative Agencies-private                 NQ
91641 Dike, Levee or Revetment Construction                       NQ
91666 Diving-Marine                                               NQ
91722 Dock Operations-coal, grain or ore                          NQ
      Door, Window or Assembled Millwork - installation -
91746                                                             NQ
      metal
                                                                       Engineers, Architects or Surveyors Professional
91805 Draftsmen                                                   1
                                                                       Liability Exclusion CUP-334
92053 Dredging-gold-endless bucket or ladder type                 NQ
92054 Dredging-gold-floating dragline type                        NQ
92055 Dredging                                                    NQ
92101 Drilling - other than water                                 NQ
92102 Drilling-water                                              NQ
      Driveway, Parking Area or Sidewalk - paving or                   Contractors' endorsements apply; Contractor's
92215                                                             3
      repaving                                                         Supplemental App required
                                                                       Contractors' endorsements apply; Contractor's
92338 Dry Wall or Wallboard Installation                          2
                                                                       Supplemental App required
92445 Electric Light or Power Companies                           NQ
92446 Electric Light or Power Line Construction                   NQ
      Electric Light or Power Line Construction-Rural Utilities
92447                                                             NQ
      Service projects
                                                                       Contractors' endorsements apply, Contractor's
92451 Electrical Apparatus - installation, servicing or repair    3
                                                                       Supplemental App required
        Electric Light or Power Cooperatives-Rural Utilities
92453                                                             NQ
        Service projects
                                                                       Contractors' endorsements apply; Contractor's
92478 Electrical Work - within buildings                          2
                                                                       Supplemental App required
      Elevator or Escalator Inspecting, Installation, Servicing
92593                                                             NQ
      or Repair
      Engineers or Architects – consulting – not engaged in            Engineers, Architects or Surveyors Professional
92663                                                             2
      actual construction                                              Liability Exclusion CUP-334 applies
                                                                       Contractors' endorsements apply; Contractor's
94007 Excavation                                                  3
                                                                       Supplemental App required
94099 Express Companies                                           NQ
94225 Farm Machinery Operations-by contractors                    NQ
                                                                        Contractors' endorsements apply; Contractor's
94276 Fence Erection Contractors                                   3
                                                                        Supplemental App required
94304 Fire Extinguishers – servicing, refilling or testing         3
      Fire Suppression Systems - installation, servicing, or
94381                                                              NQ
      repair
94404 Fireproofing-structures                                      NQ
94444 Contractors-NOC
94444 Contractors NOC                                              NQ
                                                                        Contractors' endorsements apply; Contractor's
94569 Floor Covering Installation – not ceramic tile or stone      2
                                                                        Supplemental App required
94590 Floor Waxing                                                 3
      Freight Forwarders or Handlers - other than packing,
94617                                                              NQ
      handling or shipping explosives
      Freight Forwarders or Handlers-packing, handling or
94638                                                              NQ
      shipping explosives or ammunition under contract
      Furniture or Fixtures - installation in offices or stores-
95124                                                              2
      portable-metal or wood
95233 Garbage, Ash or Refuse Collecting                            NQ
95305 Gas Companies                                                NQ
95306 Gas Companies-natural gas-local distribution                 NQ
95310 Gas Mains or Connections Construction                        NQ
95357 Geophysical Exploration - other                              NQ
95358 Geophysical Exploration-seismic method                       NQ
                                                                        Contractors' endorsements apply; Contractor's
95410 Grading of Land                                              3
                                                                        Supplemental App required
95455 Grain Elevator Operations                                    NQ
                                                                        Contractors' endorsements apply; Contractor's
95487 Greenhouse Erection                                          3
                                                                        Supplemental App required
95505 Guniting or Shot-Crete                                       NQ
95620 Gunsmiths                                                    NQ
                                                                        Contractors' endorsements apply; Contractor's
95625 Handyperson                                                  2
                                                                        Supplemental App required
95630 Hazardous Material Contractors                               NQ
      Heating & Air Conditioning Equip. - inst. & repair - no           Contractors' endorsements apply; Contractor's
95647                                                              3
      LPG                                                               Supplemental App required
                                                                        Contractors' endorsements apply; Contractor's
95648 Heating & Air Conditioning Equip. - installation & repair    3
                                                                        Supplemental App required
96053 House Furnishings Installation                               2
      Inspection and Appraisal Companies - inspecting for
96317                                                              2
      insurance or valuation
96408 Insulation Work - plastic                                    NQ
96409 Insulation Work-organic or plastic in solid state            NQ
96410 Insulation Work-mineral                                      NQ
96611 Interior Decorators                                           1
96702 Irrigation or Drainage System Construction                   NQ
96703 Irrigation Works Operations                                  NQ
96816 Janitorial Services                                           3   No window cleaning over 3 stories
96872 Jetty or Breakwater Construction                             NQ
96930 Web Site Designers                                            2   Professional Liability Exclusion CUP-384 applies
      Laboratories-research, development or testing-Other
97002                                                              NQ
      Than Not For Profit
      Laboratories-research, development or testing-Not-For-
97003                                                              NQ
      Profit Only
                                                                        Contractors' endorsements apply; Contractor's
97047 Landscape Gardening                                          3
                                                                        Supplemental App required
97050 Lawn Care Services                                            2
97111 Logging and Lumbering                                        NQ
97220 Machine Shops                                                NQ
      Machinery or Equipment-farm-installation, servicing,
97221                                                                 NQ
      repair or erection
      Machinery or Equipment-industrial-installation, servicing
97222                                                                 NQ
      or repair
97223 Machinery or Equipment-installation, servicing or repair        NQ
97308 Marine Appraisers or Surveyors                                  NQ
                                                                           Contractors' endorsements apply; Contractor's
97447 Masonry                                                         3
                                                                           Supplemental App required
                                                                           Contractors' endorsements apply; Contractor's
97650 Metal Erection - decorative or artistic                         3
                                                                           Supplemental App required
      Metal Erection - frame structures iron work on outside of
97651                                                                 NQ
      buildings
      Metal Erection - in the construction of dwellings not
97652                                                                 NQ
      exceeding 2 stories in height
                                                                           Contractors' endorsements apply; Contractor's
97653 Metal Erection - nonstructural                                  3
                                                                           Supplemental App required
      Metal Erection - steel lock gates, gasholders,
97654 standpipes, water towers, smokestacks, tanks, silos,            NQ
      prison cells, fire or burglarproof vaults
97655 Metal Erection - structural                                     NQ
98002 Mining                                                          NQ
98003 Mining-surface                                                  NQ
98090 Motion Pictures - development of negatives and printing         2
98091 Motion Pictures - film distribution or exchanges                NQ
      Motion Pictures - production - studios or outside - all
98092                                                                 NQ
      operations prior to the development of negatives
      Office Machines or Appliances - installation, inspection,
98111                                                                 2
      adjustment or repair
98150 Oil or Natural Gas Lease Operations                             NQ
      Oil or Gas Lease Operations - natural gas - within the
98151 limits of any town or city on the right-of-way of any           NQ
      railroad, or in any ocean, gulf or bay
      Oil or Gas Lease Work by Contractors-not lease
98152                                                                 NQ
      operation
98153 Oil or Gas Wells - acidizing                                    NQ
98154 Oil or Gas Wells - cementing                                    NQ
98155 Oil or Gas Wells - cleaning or swabbing by contractors          NQ

      Oil or Gas Wells - cleaning or swabbing by contractors -
98156 within the limits of any town or city on the right-of-way of    NQ
      any railroad, or in any ocean, gulf or bay
        Oil or Gas Wells - drilling or redrilling, installation or
98157                                                                 NQ
        recovery of casing
        Oil or Gas Wells - drilling or redrilling, installation or
        recovery of casing - within the limits of any town or city,
98158                                                                 NQ
        on the right-of-way of any railroad, or in any ocean, gulf
        or bay
        Oil or Gas Wells - instrument logging or survey work in
98159                                                                 NQ
        wells
98160   Oil or Gas Wells - perforating of casing                      NQ
98161   Oil or Gas Wells - servicing - by Contractors                 NQ
98162   Oil or Gas Wells - shooting                                   NQ
        Oil Rig or Derrick Erecting or Dismantling - wood or
98163                                                                 NQ
        metal
98164   Oil Still Erection or Repair                                  NQ
98257 Orchards and Vineyards - operation by contractors             2
98303 Painting - exterior - build or struct - exceeding 3 stories   NQ
98304 Painting - exterior - build or struct - 3 stories or less     NQ
                                                                         Contractors' endorsements apply; Contractor's
98305 Painting - interior - buildings or structures                 2
                                                                         Supplemental App required
98306   Painting - oil or gasoline tanks                            NQ
98307   Painting - ship hulls                                       NQ
98308   Painting - shop only                                         2
98309   Painting - steel structures or bridges                      NQ
                                                                         Contractors' endorsements apply; Contractor's
98344 Paperhanging                                                  2
                                                                         Supplemental App required
98405   Piano Tuning                                                 1
98413   Pile Driving - building foundation only                     NQ
98414   Pile Driving - other                                        NQ
98415   Pile Driving - sonic method                                 NQ
98423   Pipeline Construction -gas                                  NQ
98424   Pipeline Construction - other                               NQ
98425   Pipeline Construction - oil                                 NQ
98426   Pipeline Construction - slurry - nonflammable mixtures      NQ
98427   Pipelines - operation - gas                                 NQ
98428   Pipelines - operation - other                               NQ
98429   Pipelines - operation - oil                                 NQ
98430   Pipelines - operation - slurry - nonflammable mixtures      NQ
                                                                         Contractors' endorsements apply; Contractor's
98449 Plastering or Stucco Work                                     3
                                                                         Supplemental App required
98482 Plumbing - commercial and industrial                          3    No fire sprinkler work
                                                                         Contractors' endorsements apply; Contractor's
98483 Plumbing - residential or domestic                            2
                                                                         Supplemental App required
                                                                         Contractors' endorsements apply; Contractor's
98502 Prefabricated Building Erection                               3
                                                                         Supplemental App required
98555 Quarries                                                      NQ
      Radio or TV Broadcasting Stations - Other than Not For
98597                                                               NQ
      Profit
98598 Radio or TV Broadcasting Stations - Not-For-Profit only       NQ
98601 Railroad Construction                                         NQ
      Railroads - operation and maintenance - with Bl
98622                                                               NQ
      passenger hazard
      Railroads - operation and maintenance - without Bl
98623                                                               NQ
      passenger hazard
98624 Railroads - shop operation and maintenance                    NQ
      Refrigeration Systems or Equipment - dealers and
98636 distributors and installation, servicing or repair-           NQ
      commercial
                                                                         Contractors' endorsements apply; Contractor's
98640 Renovating – outside surfaces of buildings                    3
                                                                         Supplemental App required
98658   Rigging - not ship or boat                                  NQ
98659   Rigging - ship or boat                                      NQ
98677   Roofing - commercial                                        NQ
98678   Roofing - residential                                       NQ
98698   Salvage Operations                                          NQ
      Salvage Operations - removing, sorting, reconditioning
98699 and distributing of merchandise in damaged bldgs. And         NQ
      incidental operations away from such bldgs.
98705 Sandblasting                                                  NQ
98710 Sand or Gravel Digging                                        NQ
98751 Security and Patrol Agencies                                  NQ
                                                                      Contractors' endorsements apply; Contractor's
98805 Septic Tank Systems - cleaning                             3
                                                                      Supplemental App required
                                                                      Contractors' endorsements apply; Contractor's
98806 Septic Tank Systems - installation, service or repair      3
                                                                      Supplemental App required
98810   Sewage Disposal - plant operations                       NQ
98813   Sewer Cleaning                                           NQ
98820   Sewer Mains or Connectors Construction                   NQ
98871   Shaft Sinking                                            NQ
98884   Sheet Metal Work - outside
98914   Ship Ceiling or Scaling                                  NQ
98949   Ship Repair or Conversion                                NQ
                                                                      Contractors' endorsements apply; Contractor's
98967 Siding Installation                                        3
                                                                      Supplemental App required
                                                                      Contractors' endorsements apply; Contractor's
98993 Sign Erection, Installation or Repair                      3
                                                                      Supplemental App required
99003 Sign Painting or Lettering - inside of buildings           2
99004 Sign Painting or Lettering - on Buildings or Structures    2
                                                                      Contractors' endorsements apply; Contractor's
99080 Solar Energy Contractors                                   3
                                                                      Supplemental App required
99111   Stables - boarding, livery or racing                     NQ
99160   Steam Heating or Steam Power Companies                   NQ
99163   Steam Mains or Connections Construction                  NQ
99165   Steam Pipe or Boiler Insulation                          NQ
        Stevedoring - by hand or by means of hand trucks
99220                                                            NQ
        exclusively - no hoisting of cargo
        Stevedoring - handling explosives or ammunition -
99221                                                            NQ
        under contract
99222   Stevedoring                                              NQ
        Stevedoring - tallyers or checking clerks engaged in
99223                                                            NQ
        connection with stevedoring work
99303   Street Cleaning                                          NQ
99315   Street or Road Construction or Reconstruction            NQ
        Street or Road Paving or Repaving, Surfacing or
99321                                                            NQ
        Resurfacing or Scraping
99445   Subway Construction                                      NQ
                                                                      Engineers, Architects or Surveyors Professional
99471 Surveyors - land - no actual construction                  1
                                                                      Liability Exclusion CUP-334
99505 Swimming Pool Servicing                                    2
      Swimming Pools - installation, servicing or repair -
99506                                                            NQ
      above ground
      Swimming Pools - installation, servicing or repair -
99507                                                            NQ
      below ground
      Tank Construction, Installation, Erection or Repair -
99570                                                            NQ
      metal - not pressurized
      Tank Construction, Installation, Erection or Repair -
99571                                                            NQ
      metal - pressurized
      Tank Construction, Installation, Erection or Repair -
99572                                                            NQ
      metal - not pressurized - within bldgs. exclusively
      Tank Construction, Installation, Erection or Repair -
99573                                                            NQ
      metal - pressurized - within bldgs. exclusively
99600 Telecommunication Service Providers                        NQ
      Telephone, Telegraph or Cable Television Line
99613                                                            NQ
      Construction
99614 Telegraph Companies                                        NQ
99620 Teleproduction Studios                                      2   Professional Liability Exclusion CUP-384 applies
99650 Television or Radio Receiving Set Installation or Repair    2
99650 TV or Radio Receiving Set Installation or Repair           2
      Tent or Canvas Goods - erection, removal or repair -
99709                                                           NQ
      away from shop
99718 Theatrical Companies - traveling                          NQ
                                                                     Contractors' endorsements apply; Contractor's
99746 Tile, Stone, Marble, Mosaic or Terrazzo Work - interior   2
                                                                     Supplemental App required
99760 Tobacco Rehandling or Warehousing                         NQ
      Tree Pruning, Dusting, Spraying, Repairing, Trimming or
99777                                                           NQ
      Fumigating
99793 Truckers                                                  NQ
99798 Tunneling                                                 NQ
99803 Underpinning Buildings or Structures                      NQ
99826 Upholstering                                               2
99827 Upholstering - shop only                                   2
99851 Veterinarian or Veterinary Hospitals                       3   Professional Liability Exclusion CUP-384
99917 Warehouse - cold storage - public                          2
99938 Warehouses                                                 2
99943 Water Companies                                           NQ
99946 Water Mains or Connections Construction                   NQ
99948 Water Softening Equipment - installation & service         2
99952 Waterproofing - by pressure apparatus                     NQ
99953 Waterproofing - by trowel - exterior                      NQ
99954 Waterproofing - by trowel-interior or insulation work     NQ
99955 Waterproofing                                             NQ
      Weighers, Samplers or Inspectors of Merchandise - on
99963                                                           NQ
      vessels or docks or at railway stations or warehouses
99969 Welding or Cutting                                        NQ
99975 Window Cleaning                                           NQ
99986 Wrecking - buildings or structures                        NQ
      Wrecking - dismantling of prefabricated dwellings not
99987                                                           NQ
      exceeding three stories for reerection
99988 Wrecking - marine                                         NQ

				
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