Appetite Guide Cover - EMC Insurance Companies...Appetite Guide for Commercial Insurance Lansing Branch Office P.O. Box 30546 Lansing, MI 48909 Phone 800.292.1320 Underwriting FAX

Appetite Guide for Commercial Insurance

Lansing Branch OfficeP.O. Box 30546

Lansing, MI 48909Phone 800.292.1320

Underwriting FAX 888.992.5144www.emcins.com

MK8590 E

The EMC Appetite Guide is designed to provide a tool for our Independent Insurance Agents to evaluate EMC InsuranceCompanies appetite for various classifications of risk. Our appetite is based on past experience and classification expertise,and is wide ranging. While using this Guide, remember that no two risks are exactly alike, and that individual risks may bebetter or worse than the norm of the classification involved. Because of individual risk variations within classes, accountswith unacceptable grades may be approved with appropriate justification, while accounts with acceptable grading may not.All potential policyholders must meet EMC Insurance Companies minimum underwriting requirements to be considered.

Following are color coded grading numbers, with explanations to indicate the degree of desirability of theoccupancy/operation to EMC:

1 - Preferred: A desirable class of business, barring unusual conditions not typical of the occupancy/operation and subjectto normal underwriting requirements.

2 D i bl A d i bl l f b i b t h diti i l h d i i th t th i k t h

Appetite Guide for Commercial Insurance

2 – Desirable: A desirable class of business, but has conditions or special hazards requiring that the risk must showcontrols over. Must meet underwriters approval.

3 – Eligible with Proper Characteristics: A marginal class of business, must be better than average in its class to beconsidered and be supported by account or agency reasons. Management approval is required.

4 – Typically Ineligible: Considered extremely hazardous, class is not compatible with EMC Insurance Companiesphilosophy.

" – " The line of business is more properly classified by a different class, the products/completed operations exposure isanticipated within the Premises Operations classification, or there is no exposure for that line of business.

For questions regarding this guide, contact your EMC Insurance Companies underwriter or marketing representative.

This is a guide. Individual risk characteristics still apply1 = Preferred

2 = Desireable3 = Eligible with Proper Characteristics

4 = Typically Ineligible

Risk Identifier Grade CGL P/CO WC AUTO PROP CommentsAbrasive Wheel Manufacturing 3 2 3 3 1 2Abrasives Or Abrasive Products Manufacturing 3 2 3 3 1 2Abrasives Or Abrasive Products Manufacturing – Artificial 3 2 3 3 1 2

Accounting Services 2 2 - 2 2 1Adhesive Manufacturing 3 2 3 3 1 4Adhesive Tape Manufacturing 3 2 3 3 1 4Adult Day Care – Not For Profit 4 3 - 4 3 2Adult Day Care – For Profit 4 3 - 4 3 2Advertising And Related Services 2 2 - 2 2 1Advertising Sign Companies – Outdoor 3 2 - 4 1 1Aerosol Container Manufacturing 4 3 4 3 1 2Aerosol Containers – Filling Or Charging For Others 4 4 4 4 3 4Air Conditioning Equipment Manufacturing 2 2 2 2 1 1Air Conditioning Equipment – Dealers Or Distributors Only 1 1 1 1 1 1Air Cond System Or Equip Dealers Or Distribution And Install Service/Repair 2 2 2 3 1 1Aircraft or Aircraft Parts Manufacturing 4 4 4 2 1 2Airports – Commercial 4 4 - 4 4 4Airports – Private 4 4 - 4 4 3Airport Runway Or Warning Apron – Paving Or Repaving, Surfacing 4 4 4 4 4 -Air Transportation Companies 4 - - 4 4Alarm Manufacturing – Burglar 3 3 4 2 1 2Alarm Manufacturing – Fire Or Smoke 3 4 4 2 1 2Alarms And Alarm Systems – Installation, Servicing Or Repair 3 2 3 2 1 1Alarms – Security Systems – Monitoring 4 4 - 4 4 1Alcohol Manufacturing – Not Beverage 3 3 3 3 3 4Ambulance Service, First Aid Or Rescue Squads – Not For Profit Only 4 3 3 3 3 1Ambulance Service, First Aid Or Rescue Squads – Other Than Not For Profit 4 4 4 4 4 1Amusement Centers 4 3 - 3 2 2Amusement Devices NOC 4 3 - 3 3 -Amusement Devices Oper In Conn W/Carnivals And Fairs 4 4 - 4 4 -Amusement Parks 4 4 4 4 4 4Analytical Chemists 3 3 3 3 3 3Anhydrous Ammonia Dealers And Distributors 3 3 3 3 3 3Animal Mortality 4Antique Stores 3 2 3 2 2 3Apartment Buildings 4 3 - 3 2 3Appliance And Accessories Manufacturing – Commercial – Gas 2 1 3 2 1 1Appliance And Accessories Manufacturing – Commercial – Not Gas 2 1 3 2 1 1Appliance And Accessories Manufacturing – Household – Gas 2 1 3 2 1 1

we can write everything but that line highlighted in red.

EMC Appetite Guide For Commercial Lines

You may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicate

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Risk Identifier Grade CGL P/CO WC AUTO PROP Comments




Appliance And Accessories Manufacturing – Household – Not Gas 2 1 3 2 1 1Appliance And Accessories Installation, Servicing, Or Repair Commercial 2 1 2 2 2 1Appliance And Accessories Installation, Servicing, Or Repair Household 1 1 1 2 2 1Appliance Distributors – Household Type 1 1 1 2 1 1Appliance Distributors – Household Type – Radio TV or CD Players 1 1 1 2 1 1Appliance Stores – Household Type 2 2 1 2 2 1Archery Ranges – NOC 4 4 - 4 1 -Armored Car Service Companies 4 4 - 4 4 1Armories – Government Owned 2 - - - - 2Army And Navy Stores 3 3 3 2 2 3Art Galleries – Not For Profit Only 2 2 2 2 2 2Art Galleries – Other Than Not For Profit 2 2 2 2 2 2Asbestos Goods Manufacturing 4 4 4 4 4 4Asphalt Or Tar Distilling Or Refining 3 3 3 3 2 4 Batch plant not acceptable

Asphalt Works 3 3 3 3 2 4 Batch plant not acceptable

Athletic Games Sponsored By The Insured Not For Profit Only 4 3 - 3 3 -Athletic Games Sponsored By The Insured Other Than Not For Profit 4 4 4 4 4 -Auctioneers – Livestock Sales Conducted Away from Insd Premises 3 3 - 3 2 3Auctioneers – Sales Conducted Away from Insd Premises 2 2 - 2 2 3Auctions – On Premises Owned Or Rented By The Insured 2 2 - 2 2 3

Automobile Body Shops 3 2 2 2 3 3 Approved spray booth; no more than 12 vehicle sales per year

Automobile, Bus And Truck Body Manufacturing 4 3 4 3 2 2Automobile, Bus Or Truck Parts Manufacturing Brakes or Brake lining 4 3 4 3 2 2Automobile, Bus Or Truck Parts Manufacturing No Operating Parts 3 2 3 3 2 2Automobile, Bus Or Truck Parts Manufacturing Operating Parts 3 2 4 3 2 2Automobile, Bus Or Truck Parts Manufacturing – Passenger Restraining Devise 4 2 4 3 2 2Automobile Dealers (Franchised Only) 3 3 3 3 3 2Automobile Dismantling 4 3 4 4 3 3Automobile Manufacturing Or Assembling 4 3 4 3 2 2Automobile Parts And Supplies Distributors 2 1 2 2 1 1Automobile Parts And Supplies Stores 2 2 2 2 1 1Automobile Quick Lube Service 4 2 - 2 2 1Automobile Renting Or Leasing Companies 4 4 - 4 4 1Automobile Repair Or Service Shops Noc 2 2 2 2 2 2Automobile Repair Shops – Self-Service 4 3 3 2 2 2Baby Food Manufacturing – NOC 3 3 4 2 1 2Baby Food Manufacturing – In Glass Containers 3 3 4 2 1 2Bakeries 2 1 2 2 1 3Bakery Plants 2 1 3 2 2 2

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Barber Or Beauty Shop Supplies Distributors 1 1 2 1 1 2Barber Shops 1 1 - 1 1 1Bars And Taverns 4 4 - 3 2 4Battery Manufacturing – Dry Cell 3 3 3 3 2 3Battery Manufacturing – Wet Cell Or Storage 3 3 3 3 2 4Bazaars Operated By Insd Not For Profit Only 3 3 - 3 2 -Bazaars Operated By Insd Other Than Not For Profit 3 3 - 3 2 -Beach Chairs And Umbrellas Rented To Others 3 3 - 3 2 -Beaches – Bathing – Commercially Operated 4 4 - 4 4 2Beaches – Bathing – Not Commercially Operated 4 3 - 3 3 2Bearing Manufacturing 2 2 3 2 1 2Beauty Parlors And Hair Styling Salons 2 2 2 2 2 1Beer, Ale Or Malt Liquor Manufacturing In Bottles 2 2 3 2 2 2 No restaurant operations

Beer, Ale Or Malt Liquor Manufacturing In Cans 2 2 3 2 2 2 No restaurant operations

Beer, Ale Or Malt Liquor Manufacturing Not Bottled or Canned 2 2 3 2 2 2 No restaurant operations

Beverage Bottler – Soft Drinks – Carbonated in Cans/Plastic Bottles 2 2 3 2 2 1Beverage Bottler – Soft Drinks – Carbonated In Glass Bottles 2 2 3 2 2 1Beverage Bottler – Soft Drinks – In Metal Cylinders 2 2 3 2 2 1Beverage Bottler – Soft Drinks – In Paper Containers 2 2 3 2 2 1Beverage Bottler – Soft Drinks – Not Carbonated In Bottles Or Cans 2 2 3 2 2 1Beverage Distributors – Alcoholic Other Than Beer 3 2 2 3 3 1Beverage Distributors Nonalcoholic And Beer 3 2 2 3 3 1Beverage Stores – Liquor And Wine 3 2 2 3 2 1 No liquor legal

Beverage Stores – Soft Drinks And Beer 3 2 2 3 2 1 No liquor legal

Bicycle Manufacturing – Not Motorized 3 3 4 2 2 1Bicycle Stores – Sales And Servicing 2 2 3 2 2 1Bicycles – Rented To Others 3 3 - 2 2 -Billiard Or Pool Halls 4 4 - 4 4 4Billiard Or Pool Table Manufacturing 2 2 2 2 2 3Bingo Games – In Public Halls Or Theaters – Commercially Operated 2 3 - 2 2 2Blacksmithing 3 3 - 3 2 2Blasting Operations 4 4 - 4 4 -Blood Banks 4 4 - 4 2 2Boarding Or Rooming Houses 4 4 - 4 4 4Boat Or Ship Building 4 4 4 4 3 3Boat Dealers (Franchised Only) 2 3 2 1 1 2Boat Repair And Servicing 2 2 3 3 1 1Boat Storage And Moorage 2 3 - 3 2 1Boat Yards Or Marinas – Public 4 4 4 4 4 3

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Boats – Canoes Or Rowboats For Rent Not Equipped With Motors 4 4 - 3 2 -Boats – Canoes Or Rowboats Not For Rent Not Equipped With Motors 4 3 - 3 2 -Boats – Motor Or Sail – Not For Rent 4 3 - 3 2 -Boats – Motor Or Sail – Rented To Others 4 4 - 3 2 -Boats – Nonowned Over 26 Feet 4 3 - 2 2 -Boats – Not For Rent NOC 4 4 - 3 2 -Boats – Rented To Others NOC 4 4 - 3 2 -Boiler Inspection, Installation, Cleaning Or Repair 4 3 3 3 2 2Bolt, Nut, Rivet, Screw Or Washer Manufacturing 2 1 3 2 2 2Bookbinding And Printers Supplies 2 2 - 2 1 1Bookbinding – Not For Profit Only 2 2 - 2 1 2Bookbinding – Other Than Not For Profit 2 2 - 2 1 2Book Distributors 2 2 2 2 2 1Bookkeeping Services 2 2 - 2 2 1Book And Magazines Stores Not For Profit Only 3 3 - 3 3 1Book And Magazines Stores Other Than Not For Profit 2 2 - 2 1 1Bottle And Jar Manufacturing – Glass – Not For Use Under Pressure 2 1 3 3 1 2Bottle And Jar Manufacturing – Plastic – Nonreturnable 3 1 3 3 1 3Bottle And Jar Manufacturing – Plastic – Returnable 3 1 3 3 1 3Bowling Lanes 4 4 - 4 2 4Boxes Or Containers Manufacturing – Corrugated Or Fiberboard 3 1 3 3 1 3Boxes Or Containers Manufacturing – Wood 3 1 3 3 1 3Boy Or Girl Scout Councils (Not Camps) 3 3 - 3 3 1Bottle And Jar Manufacturing – Glass – For Use Under Pressure Nonreturnable 2 1 3 3 1 2Bottle And Jar Manufacturing – Glass – For Use Under Pressure Returnable 2 1 3 3 1 2Brick Manufacturing 2 1 2 2 2 2Bridge Or Elevated Highway Construction 4 4 4 4 4 -Brush Or Broom Manufacturing 2 1 2 2 1 3Builder's Risk for insured contractors 3 - - - - 3Building Material Dealers (Minimal Lumber For Property) 2 2 2 2 2 2Building Material Dealers – Other Than Secondhand Material 3 2 3 3 3 2Building Material Dealers – Secondhand Material 3 3 3 3 3 4Building Material Distributors (Minimal Lumber For Property) 2 1 2 2 2 2Building Structure – Raising Or Moving 4 4 4 4 4 4Buildings Or Premises – Bank 2 3 - 3 2 1Building or Premises – Office Not for Profit Only 2 2 - 2 2 1Building or Premises – Other than Not for Profit 2 2 - 2 2 1Buildings Or Premises – Bank Or Office Mercant/ Manufacturing Lessor's Risk NFP 2 2 - 2 2 -Buildings Or Premises – Bank Or Office Mercant/Mfg Less Risk Other than NFP 2 2 - 2 2 -

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Bldgs Or Prem – Bank/Office Mercant/ Manufacturing Maintained By Insured NFP 2 2 - 2 2 -Bldgs Or Prem – Bank/Office Mercant/Mfg Maintained By Insured Other than NFP 2 2 - 2 2 -Bldgs Or Prem Office Prem Occ By Emp Of Insured Not For Profit Only 2 2 - 2 2 1Bldgs Or Prem Office Prem Occ By Emp Of Insured Other Than Not For Profit 2 2 - 2 2 1Bus Manufacturing Or Assembling Or Reconstruction 4 3 4 3 2 2Bus Stations Or Terminals 2 3 - 2 2 2Bus Transportation Companies – Passenger And Commuter 4 - - 4 4 -Bus Transportation Companies – Scenic And Sightseeing 4 - - 4 4 -Business Services – NOC (except personal care) 3 - - 3 2 1Buttons Or Fasteners Manufacturing 2 1 3 2 2 2Cable Installation In Conduits Or Subways 2 2 2 2 2 2Cable or Subscription Television Companies 2 2 - 3 2 1Caisson or Cofferdam Work 4 4 4 4 4 -Camera And Photographic Equipment Stores 1 1 1 1 1 1Camper Bodies or Camper Trailers Manufacturing 4 4 4 2 2 3Camper or Trailer Sales Agencies 2 2 2 2 2 2Campers Manufacturing Self-Powered 4 4 4 3 2 3Campgrounds 3 3 - 3 2 2Camps 4 4 - 4 4 4Can Manufacturing Metal 3 1 3 3 2 2Candle Manufacturing 2 1 2 2 1 4Candy Or Confectionery Products Manufacturing 2 1 3 2 1 2Candy Or Confectionery Stores 2 2 2 1 1 1Car Washes 2 3 - 3 2 2Car Washes – Self Service 2 2 - 2 2 3Carnival Or Circus Companies 4 4 - 4 4 4Carpentry Construction Of Residential Prop Not Exceeding 3 Stories 2 1 1 3 1 1 Subs must be less than 25%

Carpentry NOC – No Generals 2 1 2 3 1 1Carpentry – Interior 2 1 1 3 1 1Carpentry – Shop Only 2 1 1 2 1 3Carpet Or Rug Manufacturing 2 1 3 2 1 3Carpet, Rug, Or Furniture Or Upholstery Cleaning On Customers Premises 2 2 - 3 2 -Carpet, Rug Or Upholstery Cleaning – Shop Only 2 1 - 2 2 1Caterers 3 2 3 3 3 2Caulking Compounds, Putty Or Similar Products Manufacturing 3 1 4 2 1 3Caves – Tourists Attraction 4 4 - 4 4 4Ceiling Or Wall Installation – Metal 3 2 2 3 1 1Cellophane And Cellophane Products Manufacturing 3 2 3 3 2 4Cement, Concrete Mix or Plaster Manufacturing Packaged 3 2 3 3 2 1

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Cement or Plaster Manufacturing Bulk 3 2 3 3 1 1Cemeteries – Not For Profit Only 2 2 - 2 2 1Cemeteries – Other Than Not For Profit 2 2 - 2 2 1Charcoal Or Coal Briquette Manufacturing 3 1 3 3 1 4Chemical Distributors – dependant on the chemical 3 3 3 3 3 3Chemical Manufacturing – Commercial Or Industrial 4 4 4 4 4 4Chemical Manufacturing – Household 4 4 4 4 4 4Children's Play Centers – Indoors 3 4 - 2 2 2Chimney Cleaning 3 3 - 4 2 1China, Porcelain Or Earthenware Manufacturing 2 1 3 2 1 2Churches Or Other Houses For Worship 2 2 - 2 2 1Clay Or Shale Digging 3 3 2 3 2 2Clay Products Manufacturing 3 2 3 3 2 2Cleaning Outside Surfaces Of Buildings15 ft or less 3 2 - 4 1 -Clock Manufacturing 2 1 2 2 1 1Clothing Manufacturing 2 1 3 2 1 2Clothing or Wearing Apparel Distributors 3 1 3 1 1 1Clothing Or Wearing Apparel Stores Not For Profit Only 3 3 - 3 3 1Clothing Or Wearing Apparel Stores Other Than Not For Profit 2 2 - 2 1 1Club – Civic, Service Or Social Having Buildings Or Prem Owned 2 2 - 2 2 2Club – Civic, Service Or Social No Buildings Except For Office 2 2 - 2 2 2Clubs – Country And Golf 3 3 - 3 2 3Clubs – Horseback Riding – No Commercial Riding Instructions 4 4 - 4 3 4Clubs – Racket Sports And Handball 4 3 - 4 2 2Clubs – Swimming 4 3 - 4 2 1Coffins Or Caskets Manufacturing 2 1 2 3 2 3Coke Manufacturing 3 1 3 3 1 3Collectibles And Memorabilia Stores 2 2 - 1 1 3Collection Agencies – No PI or door to door 3 3 - 3 3 1Color Or Pigment Preparation 3 2 3 3 2 4Commissary Work 2 2 - 2 1 -Commodity Brokers And Dealers 3 3 - 3 2 1Commodity Exchanges 3 3 - 3 2 1Communication Equipment Installation – Industrial And Commercial 2 1 2 2 1 1Communication Or Recording Systems Or Equipment Manufacturing 2 1 3 2 1 2Communication Or Recording Systems Or Equipment Manufacturing Ind And Commercial 2 1 3 2 1 2Community Recreational Facilities – Not Operated By A Government Agency 3 3 - 2 2 2Composition Goods Manufacturing – Not Floor Coverings 2 1 2 3 1 2Computer Consulting Or Programming 4 4 4 2 1 1

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Computer Data Processing Operations 4 4 4 2 1 1Computer Data Processing Timesharing 4 4 4 2 1 1Computer Manufacturing 4 4 4 2 2 2Computer Service Or Repair 4 4 4 2 2 1Computer Software Manufacturing – Prepacked 4 4 4 2 1 2Computer Stores 4 4 4 2 2 2Concessionaires 3 3 - 3 3 1Concessionaires – Check Room, Shoeshine, Or Toilet Con Hotels/Rest 2 2 - 2 2 1Concrete Construction 3 3 2 3 2 1Concrete – Mixed In Transit 3 2 2 3 3 1Concrete Or Cement Distribution Towers Rented To Others Inst/Repair 3 3 - 3 2 1Concrete Or Plaster Products Manufacturing – Not Structural 2 1 2 3 2 1Concrete Products Manufacturing – Prestressed 3 1 3 3 2 1Concrete Products Manufacturing – Structural 3 1 3 3 2 1Condos – Commerciall Bank Or Mercantile, Manufacturing Or Office (Assoc Risk) 1 1 - 1 1 1Condominiums – Commercial Shopping Centers (Assoc Risk Only) 2 2 - 2 1 3Condominiums – Commercial Warehouses Manufacturing Or Private (Assoc Risk Only) 2 2 - 2 1 3Condominiums – Residential – (Association Risk Only) 3 3 - 2 1 3Conduit Construction For Cables Or Wires 2 2 2 3 2 1Consultants – NOC Consultants 3 3 3 3 3 1Contact Lens Manufacturing 3 3 4 2 2 1Contractors Noc–No Generals 3 2 3 3 2 -Contractors Equip Dealers – Ladders Excl Hoists, Scaffolds Or Towers 4 4 4 4 4 1Contractors Permanent Yards – Maintenance Or Storage Equip/Material 2 2 - 2 2 2Convenience Food Stores 2 2 2 3 1 2Convenience Food/Gasoline Stores – Full Service 3 3 2 3 2 2Convenience Food/Gasoline Stores – Self Service 3 3 2 3 2 2Convenience Food/Gasoline Stores – Self And Full Service Combined 3 3 2 3 2 2Convenience Store Without Cooking Exposure 3 3 2 2 2 2Convenience Store With A Cooking Exposure 3 3 3 3 3 3Conventions (Sponsor's Risk Only) Not For Profit Only 3 3 - 2 2 -Conventions (Sponsor's Risk Only) Other Than Not For Profit 3 3 - 2 2 -Convents Or Monasteries 3 4 - 2 2 3Copying And Duplicating Services – Rental 2 2 - 2 2 1Cosmetic, Hair Or Skin Preparation Stores 2 2 3 2 2 1Cosmetics Manufacturing 3 2 3 3 2 3Cotton Batting, Wadding Or Waste Manufacturing 3 3 3 3 3 3Cotton Or Wool Merchants 2 2 2 3 2 3Credit Reporting Agencies – No PI 2 2 - 2 2 1

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Crematories – Not For Profit Only 2 2 - 3 2 2Crematories – Other Than Not For Profit 2 2 - 3 2 2Crop Spraying – By Contractors 4 4 - 4 4 4Cutlery (Not Powered) And Flatware Manufacturing 3 2 3 3 2 2Dairy Products Mfg 3 2 3 3 3 3Dairy Products Or Butter And Egg Stores – Not For Profit Only 2 2 2 2 2 1Dairy Products Or Butter And Egg Stores – Other Than Not For Profit 2 2 2 2 2 1Dam, Levee Or Dike – Existence Hazard Only 4 4 - 2 2 -Dam Or Reservoir Construction 4 3 4 4 2 1Dance Halls Or Ballrooms – Not For Profit Only 4 3 - 2 2 3Dance Halls Or Ballrooms – Other Than Not For Profit 4 4 - 4 4 4Dance Halls Or Ballrooms 4 4 - 4 4 4Day Care Centers – Not for Profit Only 4 4 4 4 4 2Day Care Centers – Not in Home 4 4 4 4 4 2Debris Removal – Construction Site 3 3 3 4 3 1Delicatessens 2 2 2 2 2 1Dental Laboratories – No Professional Liability 2 2 3 1 2 1Department Or Discount Stores 2 2 2 2 2 2Detective Or Investigative Agencies – Private 4 4 - 4 4 1Detergent Manufacturing – Household 3 2 3 3 1 3Detergent Manufacturing 3 2 3 3 1 3Dextrine Manufacturing 3 2 3 3 1 3Diagnostic Testing Laboratories 2 2 - 2 2 1Die Casting Manufacturing 2 1 3 3 1 2Dike, Levee Or Revetment Construction 4 3 4 4 2 1Distillation Or Extraction 3 2 3 3 2 4Distributors – Food Or Drink 2 2 2 2 2 1Distributors – No Food Or Drink 2 2 2 2 2 1Diving – Marine 4 4 4 4 4 -Dock Operations – Coal, Grain Or Ore 4 4 4 4 4 4Door Or Window Manufacturing – Metal 3 1 3 2 1 2Door Or Window Manufacturing – Wood 3 1 3 2 1 3Door, Window Or Assemble Millwork – Installation Metal 2 1 3 2 1 2Draftsmen 1 1 - 1 1 1Drawbridges – Existence Hazard Only 4 4 - 4 4 4Dredging 4 4 4 4 4 4Drilling 4 4 4 4 4 3Drilling – Water 2 3 3 3 2 1Driveway, Parking Area Or Sidewalk – Paving Or Repaving 2 2 2 2 2 1

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Drug Distributors 4 4 4 3 2 2Drug Manufacturing – Biological Products 4 4 4 4 2 4Drug, Medicine Or Pharmaceutical Preparations Manufacturing 4 4 4 4 2 4Drugstores 2 2 3 2 2 2Drugstores – No Table Or Counter Service For Beverage Or Food 2 2 3 2 2 2Drums Or Containers Manufacturing – Metal 3 2 3 3 2 3Drums Or Containers Manufacturing – Plastic 3 2 3 3 2 3Dry Wall Or Wallboard Installation 3 2 1 4 1 1Dwelling – 1 Family (Lessor's Risk Only) 3 2 - 2 1 3Dwelling – 2 Family (Lessor's Risk Only) 3 2 - 2 1 3Dwelling – 3 Family (Lessor's Risk Only) 3 2 - 2 1 3Dwelling – 4 Family (Lessor's Risk Only) 3 2 - 2 1 3Electrical And Lighting Stores 2 2 2 2 2 2Electrical Apparatus – Installation, Service, Or Repair 2 2 3 3 1 1Electrical Contractors 2 2 3 3 1 2Electrical Equipment Distributors 2 1 2 2 2 1Electrical Equipment Manufacturing 3 1 3 3 1 2Electrical Equipment Manufacturing For Direct And Indirect Application To Body 3 3 4 3 1 2Electrical Generating Machinery Manufacturing 3 1 3 3 1 2Electric Light Or Power Companies 4 3 - 3 3 2Electric Light Or Power Cooperatives – Rural Electrification Admin 4 3 - 3 3 2Electric Light Or Power Line Construction 4 4 4 4 4 1Electric Light Or Power Line Construction Rural Electrification Admin 4 4 4 4 4 1Electrical Parts, Components Or Accessories Manufacturing 3 1 3 3 1 2Electrical Power Distribution Or Transmission Equipment Manufacturing 3 1 3 3 1 2Electrical Wire Or Cable Manufacturing 3 1 3 3 1 2Electrical Work – Within Buildings 2 1 2 2 1 1Electronic Components Manufacturing 2 1 3 2 1 2Electronic Games Manufacturing 2 1 2 3 1 2Electronic Stores 3 3 3 2 2 2Electroplating 3 1 2 3 1 3Elevator Or Escalator Inspecting, Installation, Service Or Repair 4 4 - 4 2 1Elevator Manufacturing 4 4 4 4 1 2Employee Benefit Plans – Labor Union 2 2 - 2 2 1Employee Benefit Plans – Other Than Labor Union 2 2 - 2 2 1Employment Agencies – No Temp Labor Type Operations 3 3 - 4 2 1Engine Or Turbine Manufacturing – Not Aircraft 3 1 3 3 1 2Engrs Or Architects – Consulting – Not Engaged In Actual Construction 2 2 - 2 1 1Engraving 2 2 - 2 1 1

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Entertainment Performed On Others' Premises 4 3 - 2 2 -Equipment, Fixtures And Supplies For Bars, Hotels, Offices, Rest Distr 2 1 2 2 2 1Escalator Or Moving Sidewalk Manufacturing 4 4 4 3 2 2Escrow Agencies – Real Estate 3 3 - 3 2 1Escrow Agencies – Other Than Real Estate 3 3 - 3 2 1Excavation 3 3 3 4 2 1Exercise Or Playground Equipment Manufacturing 3 1 4 3 2 2Exhibition Or Convention Buildings – Not For Profit Only 3 3 - 2 2 3Exhibition Or Convention Buildings – Other Than Not For Profit 3 3 - 2 2 3Exhibitions – In Buildings – Not For Profit Only 2 3 - 2 2 -Exhibitions – In Buildings – Other Than Not For Profit 2 3 - 2 2 -Exhibitions – In Buildings – No Admission Charged Not For Profit Only 2 3 - 2 2 -Exhibitions – In Buildings – No Admission Charged Other Than Not For Profit 2 3 - 2 2 -Exhibitions – Outside Ushers/Other Attendants Not Provided By Insured 2 3 - 2 2 -Exhibitions – Outside Ushers And Other Attendants Provided By Insured 2 3 - 2 2 -Exhibitions – Outside – No Stadiums Or Grandstands 2 3 - 2 2 -Explosive Or Fireworks Manufacturing 4 4 4 4 4 4Express Companies 4 2 - 4 4 1Extracts Manufacturing 3 1 3 3 1 3Eye Glass Lens Manufacturing 2 1 3 2 2 1Fabric Distributors 2 1 2 2 2 2Fabric Stores 2 2 1 2 1 1Fair Grounds – Non-Operations Season 4 4 - 2 1 3Fairs – Outside (Operator's Risk Only) 4 4 - 4 4 3Farm Machinery Operations – By Contractors 3 2 - 4 3 1Feed, Grain Or Hay Dealers 3 3 2 3 2 3Feed Manufacturing 3 2 3 3 2 4Fence Dealers 2 2 2 2 2 2Fence Erection Contractors 2 2 2 3 2 2Fertilizer Dealers And Distributors 3 3 3 4 3 3Fertilizer Manufacturing 4 4 4 4 4 4Fiber Manufacturing 3 3 3 3 3 3Fiber Mfg – Synthetic 3 3 3 3 3 3Fiberglass Manufacturing 4 4 4 4 4 4Fire Departments 4 3 - 4 3 1Fire Departments – Volunteer 4 3 - 4 3 1Fire Extinguishers – Servicing, Refilling Or Testing 3 2 3 2 2 1Fire Extinguishers Manufacturing 3 3 4 3 1 2Fire Protection Equipment Dealers And Distributors 3 3 4 2 2 2

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Fire Suppression Systems – Installation, Servicing Or Repair 3 3 4 2 2 2Fire Suppression System Manufacturing 4 4 4 3 2 2Firearms Manufacturing 4 4 4 4 4 4Fireproofing – Structures 3 3 4 3 2 -Fireworks Exhibitions 4 4 - 4 4 -Fish Farm 3 3 - 3 2 -Fishing Piers 3 3 - 3 2 3Fishing Ponds Or Lakes – Commercially Operated 3 3 - 3 2 -Floor Covering Distributors 2 1 2 2 2 2Floor Covering Installation Not Ceramic Tile Or Stone 3 2 2 3 2 2Floor Covering Manufacturing – Not Carpets, Rugs, Ceramic Or Stone Tiles 3 2 3 3 2 -Floor Covering Stores 2 2 2 2 2 2Floor Waxing 3 3 - 2 2 -Florists 2 2 - 2 2 1Food Products Manufacturing – Dry 2 1 3 2 1 2Food Products Manufacturing – Frozen 2 1 3 2 1 2Food Products Manufacturing – Not Dry – In Glass Containers 2 1 3 2 1 2Food Products Manufacturing – Not Dry – In Other Than Glass Containers 2 1 3 2 1 2Forging Work 3 2 3 4 1 3Formal Wear Or Costumes – Rented To Others 2 2 - 2 2 1Foundries 3 2 3 4 1 4Fraternal Orders 2 2 - 2 2 -Freight Forwarders Or Handlers 3 2 - 3 3 2Freight Forwarders Or Handlers Pkng/Handling/Shipping/Explosives 4 4 - 4 4 4Frozen Food 2 1 2 2 3 2Frozen Food – Distributors (Changed from Frozen Food) 2 1 2 2 3 2Fruit Or Vegetable Dealers 2 2 2 2 2 2Fruit Or Vegetable Distributors 3 1 2 3 3 2Fruit Or Vegetable – Harvesting Contractors 4 1 - 4 4 -Fruit Or Vegetable Juice Manufacturing No Bottling Or Carbonated Beverages 2 1 3 2 2 2Fumigating 4 4 - 4 4 4Funeral Home Or Chapels 2 2 - 3 1 1Fur Garment Manufacturing 3 1 2 3 1 4Fur – Garments And Pelts – Distributors 3 1 2 3 2 4Fur Or Pelt Processing 3 1 2 3 2 4Furniture Manufacturing Or Assembling – Infants 4 1 4 3 2 3Furniture Manufacturing Or Assembling – Other Than Wood 3 1 3 3 2 3Furniture Manufacturing Or Assembling – Wood 3 1 3 3 2 3Furniture Or Fixtures – Installation In Office Or Stores Portable 2 2 2 2 2 1

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Furniture Or Woodwork Stripping, Refinishing Or Repair Shop Only 3 3 - 3 2 4Furniture Stores – Not For Profit Only 3 3 3 3 3 2Furniture Rental Stores (Rent To Own) 3 3 3 4 3 2Furniture Retail Stores – Other Than Not For Profit 2 2 2 2 2 2Galvanizing Or Tinning 3 1 3 3 2 2Gambling – Casinos 4 4 4 4 4 4Gambling – Incidental To Other Operations 2 2 - 2 2 -Garbage, Ash Or Refuse Collecting 4 3 - 4 4 3Garbage Or Refuse Dumps 4 4 - 4 4 -Garbage Works – Sep For Recycling, Reduction Or Incineration 4 4 - 4 4 3Gardening And Light Farming Supply Distributors 2 2 2 2 2 1Gas Companies 4 4 - 4 4 3Gas Mains Or Connections Construction 4 4 4 4 4 1Gas Manufacturing – Inert 4 4 4 4 4 4Gas Manufacturing – Primarily Flammable, Explosive Or Reactive 4 4 4 4 4 4Gasoline Or Oil Supply Stations – Retail – (Lessor's Risk Only) 2 2 - 2 2 1Gasoline Recovery – From Casing Head Or Natural Gas 4 4 4 4 4 -Gasoline Station – Full Service 3 3 2 3 2 2Gasoline Station – Self Service 3 3 2 3 2 2Gasoline Station – Self And Full Service Combined 3 3 2 3 2 2Gemstone Cutting Or Polishing 2 1 - 3 1 3Geophysical Explorations 3 3 - 2 2 -Geophysical Exploration – Seismic Method 3 3 - 2 2 -Gift Shops – Not For Profit Only 2 2 1 2 1 1Gift Shops – Other Than Not For Profit 2 2 1 2 1 1Glass Dealers And Glaziers 2 2 1 3 1 1Glass Or Glassware Manufacturing 2 1 3 3 1 2Golf Courses – Miniature 2 2 - 2 1 2Golf Courses – Municipal Or Public Not Golf Or Country Club 3 3 - 3 1 2Golf Driving Ranges 3 3 - 3 1 2Golf mobile – Loaned Or Rented To Others 3 3 - 2 2 -Government, Federal 3 - - 3 3 -Government State – State, etc. Including Police Department 3 - - 3 3 1Government State – State, etc. Excluding Police Department 3 - - 3 3 1Government State – Police Dept of State, County, City, etc. 4 - - 3 3 1Govtl Subdivision, Muni., Not State Or Federal; 0 – 15000 3 3 3 3 3 1Govtl Subdivision, Muni., Not State Or Federal; 25,001 And over 4 4 3 3 3 1Govtl Subdivision, County, Not State Or Federal; 0 – 50000 4 4 4 4 4 1Govtl Subdivision, County, Not State Or Federal; 50,000 And over 4 4 4 4 4 1

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Grading Of Land 3 2 2 3 2 -Grain Elevator Operations 4 4 3 4 2 4Grain Milling 4 4 3 4 2 4Grandstands Or Bleachers – Not For Profit Only 3 3 - 2 2 2Grandstands Or Bleachers – Other Than Not For Profit 3 3 - 2 2 2Greenhouses 3 - - 3 2 3 Not glass construction

Greenhouse Erection 2 2 2 2 2 2Grocery Distributors 2 2 2 2 2 3Grocery Stores 3 2 2 3 1 3Guides Or Outfitters 4 4 - 4 4 -Guniting Or Shot – Crete 3 2 3 3 2 1Gunsmiths 4 3 4 3 2 3Halls Not For Profit Only 2 3 - 2 2 2Halls Other Than Not For Profit 2 3 - 2 2 2Handyman 3 3 2 3 1 2Hardware And Tool Distributors 2 1 2 2 2 1Hardware Stores 2 2 2 2 2 1Hazardous Material Contractors 4 4 4 4 4 4Health Care Facilities – Hospital 4 4 4 4 4 1 We have a special Hospital form, CP7132

Health Maintenance Organization 2 2 - 2 2 1Health Or Exercise Clubs 4 4 - 4 2 2Health Or Exercise Facilities – Commercially Operated 4 4 - 4 2 2Health Or Natural Food Stores 2 2 2 2 1 2Hearing Aid – Distributors 2 2 2 2 2 1Hearing Aid Stores 2 2 3 2 2 1Heating Or Combined Heating And Air Cond Equipment Dealers/Distrib Only 3 1 2 3 2 1Heating Or Combined Heating And Air Cond Equipment Dealers/Rep/Serv 3 2 2 3 2 1Heating Or Combined Heating And Air Cond Equipment Dealers/Repair/No LPG 3 2 2 3 2 1Heating Equipment Manufacturing – Coal Or Wood 3 1 3 3 1 2Heating Equipment Manufacturing – Electric 3 1 3 3 1 2Heating Equipment Manufacturing – Fuel Oil Or Kerosene 3 1 3 3 1 2Heating Equipment Manufacturing – Gas Or Liquefied Petroleum Gas 3 1 3 3 1 2Hide Dealers And Distributors – Raw 2 2 2 2 2 3Hobby, Craft Or Artist's Supply Store 2 2 2 2 2 1Hobby, Craft or Artists’ Supply – Distributors 2 2 2 2 2 1Home Furnishings Stores 2 2 2 2 2 2Home Health Care Services – Not For Profit 4 4 - 4 3 1Home Health Care Services – Other Than Not For Profit 4 4 - 4 3 1Home Improvement Stores 2 2 2 2 1 2

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Hone, Oilstone Or Whetstone Manufacturing 2 2 3 3 1 2Honey Extracting 2 2 3 2 1 2Hot Air Balloons Operations 4Hotels And Motels, May Include Pool Or Beach, Less Than 4 Stories 3 3 - 2 2 2Hotels And Motels, May Include Pool Or Beach, 4 Stories Or More 4 3 - 3 2 3House Furnishings Installation 3 2 1 3 2 -Housing Projects – Federal, State, Local 4 4 - 4 4 4Hunting Preserves – Not For Profit Only 4 4 - 4 4 -Hunting Preserves – Other Than Not For Profit 4 4 - 4 4 -Ice Cream Stores 2 2 2 2 1 1Ice Dealers And Distributors 2 2 - 3 2 1Importers 3 2 3 3 2 1Ink Manufacturing 3 1 3 3 1 3Inner Tubes Manufacturing 3 1 3 3 1 3Inspection And Appraisal Companies Inspect For Ins Or Valuation Purp 3 3 - 2 2 1Instrument Manufacturing 2 1 3 2 1 2Instrument Manufacturing – Analytical, Calibrating, Measuring, Testing/Record 2 1 3 2 1 2Instrument Manufacturing – Control 2 1 3 2 1 2Insulating Material Manufacturing – Mineral 3 2 3 3 1 2Insulating Material Manufacturing – Organic 3 2 3 3 1 2Insulating Material Manufacturing – Plastic 3 2 3 3 1 2Insulating Material Manufacturing – Plastic For Application In A Solid State 2 2 3 3 1 2Insulation Work – Mineral 2 2 3 3 2 2Insulation Work – Organic Or Plastic In Solid State 2 2 3 3 2 2Insulation Work – Plastic 2 2 3 3 2 2Insurance Agents 2 2 - 2 2 1Interior Decorators 1 1 1 1 1 1Internet Access Providers 4 4 - 2 2 -Internet Retailers 4 4 4 2 2 -Internet Service Providers 4 4 - 2 2 -Investment Advice – No Professional 4 4 - 2 2 1Irrigation Or Drainage System Construction 3 3 3 3 2 1Irrigation Works Operations 3 3 - 2 2 1Janitorial Services 3 2 - 3 2 -Janitorial Supplies – Dealers And Distributors 2 2 2 2 2 2Jetty Or Breakwater Construction 4 4 4 4 4 2Jewelry Manufacturing 2 1 3 2 1 2Jewelry Stores Or Distributors 2 2 - 1 1 1 No jewlers block

Junk Dealer 4 3 3 4 3 4

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Kennels – Breeding, Boarding Or Sales 3 3 - 3 2 2Labor Union Offices 3 3 - 4 2 2Laboratories – Research, Development Or Testing – Not For Profit Only 3 3 4 3 2 2Laboratories – Research, Development Or Testing – Other Than Not For Profit 3 3 4 3 2 2Ladder Manufacturing 3 4 4 2 1 2Ladder Manufacturing – Wood 3 4 4 3 1 3Lakes Or Reservoirs Existence Hazard Only Not For Profit 3 3 - 3 3 -Lakes Or Reservoirs Existence Hazard Other Than Not For Profit 3 3 - 3 3 -Lamp Shade Manufacturing 1 1 2 2 1 2Lamps Or Lanterns Manufacturing 2 1 3 3 1 2Lamps Or Lanterns Manufacturing – Electric 2 1 3 3 1 2Land – Occupied By Persons Other Than Insured (Lessor's Risk Only) 1 1 - 1 1 -Landscape Gardening 2 2 - 3 2 1Laundries And Dry Cleaners – Self – Service 2 2 - 2 2 2Laundries And Dry Cleaning Plants 1 1 - 3 1 2Laundry And Dry Cleaning Or Dyeing Receiving Stations 2 2 - 2 2 1Laundry And Dry Cleaning Stores 2 2 - 2 2 1Laundry Rental Service 2 2 - 2 2 1Lawn Care Services 2 2 - 3 2 1Lawyers Offices – Not For Profit Only 2 2 - 2 2 1Lawyers Offices – Other Than Not For Profit 2 2 - 2 2 1Lead Mfg – Red Or White 4 4 4 4 2 4Lead Works – Sheet, Pipe Or Shot 4 4 4 4 2 3Leather Goods Manufacturing 2 1 2 3 1 3Leather Goods Stores 2 - - 2 2 1Libraries 2 2 - 1 3 1Light Bulb Or Tubes Manufacturing 2 1 3 2 1 2Lighting Fixtures Manufacturing 2 1 3 3 1 2Lime Manufacturing 3 3 3 3 2 4Liquor Manufacturing 4 4 4 4 2 3Livestock Dealers Or Commission Merchants 4 4 4 4 4 4Livestock Sales Companies 4 4 4 4 4 4Loan Agents, Brokers And Correspondents 3 3 - 3 2 1Locksmiths 2 2 2 2 2 1Logging And Lumbering 4 4 - 4 4 3Lubricants Manufacturing – Grease 2 2 3 3 1 4Luggage Goods Stores 2 2 2 2 2 1Lumberyards 3 2 1 3 2 4Machine Shops 2 2 3 3 2 2

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Machinery Or Equipment Farm Installation, Servicing, Repair/Erect 3 2 3 3 2 2Machinery Or Equipment Industrial Installation, Servicing Or Repair 3 2 3 3 2 2Machinery Or Equipment Installation, Servicing Or Repair 3 2 3 3 2 2Machinery Or Equipment Dealers 3 2 3 2 2 1Machinery Or Equipment Dealers Construction Or Industrial Mobile Type 3 2 3 2 2 1Machinery Or Equipment Dealers – Farm Type 3 2 3 2 2 1Machinery Or Equipment Dealers Yard Or Garden Type 3 2 3 2 2 1Machinery Or Machinery Parts Manufacturing 2 1 3 3 1 2Machinery Or Mach Parts Manufacturing Construction, Mining Or Materials Handling 3 1 3 3 1 2Machinery Or Machinery Parts Manufacturing – Farm Type 3 1 3 3 1 2Machinery Or Machinery Parts Manufacturing – Industrial Type 3 1 3 3 1 2Machinery Or Machinery Parts Manufacturing – Metalworking 3 1 3 3 1 2Mail Box Or Packaging Stores 1 2 - 2 1 1Mail Order Houses 2 1 2 2 2 2Mailing Or Addressing Companies 1 1 - 2 2 1Mail Order or Online Drugstores 4 4 4 2 2 3Manufacturers Representatives 3 1 3 2 2 1Marine Appraisers Or Surveyors 4 4 - 4 4 1Markets – Not Open Air (Lessor's Risk Only) Not For Profit Only 3 3 - 2 2 3Markets – Not Open Air (Lessor's Risk Only) Other Than Not For Profit 3 3 - 2 2 3Markets – Open Air (Lessor's Risk Only) Not For Profit Only 3 3 - 2 2 -Markets – Open Air (Lessor's Risk Only) Other Than Not For Profit 3 3 - 2 2 -Masonry 2 2 2 3 2 -Match Manufacturing 3 3 3 3 3 4Mattress Or Box Spring Manufacturing 3 1 3 2 1 4Mausoleums – Not For Profit Only 1 1 - 2 2 1Mausoleums – Other Than Not For Profit 1 1 - 2 2 1Meat, Fish, Poultry Or Seafood – Curing 3 1 3 3 1 2Meat, Fish, Poultry Or Seafood – Distributors 2 1 3 2 2 1Meat, Fish, Poultry Or Seafood Processing In Airtight Containers 3 1 3 3 1 3Meat, Fish, Poultry Or Seafood Proc Not In Airtight Containers 3 1 3 3 1 3Meat, Fish, Poultry Or Seafood Stores 2 2 3 2 2 1Medical, Dental, Hospital Or Surgical Equipment Or Supplies Manufacturing Expend 3 4 4 2 1 2Medical, Dental, Hospital/Surgical Equipment Or Supplies Manufacturing Nonexpen 3 4 4 2 1 2Medical, Dental, Hospital Or Surgical Equipment Instrument Manufacturing 3 4 4 2 1 2Medical, Dental/Surgical Diagnostic Or Treatment Machines Or Dev 3 4 4 2 1 2Medical, Hospital And Surgical Equip And Supplies Rented To Others 4 4 - 2 2 -Medical, Hospital And Surgical Supply Stores 2 3 4 2 2 1Medical Offices 2 2 - 2 1 1

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Metal Dealers Or Distributors – Nonstructural 2 2 2 2 2 1Metal Dealers Or Distributors – Structural 2 2 3 2 2 1Metal Erection – Decorative Or Artistic 2 2 2 3 2 1Metal Erection – Frame Structures Iron Work On Outside Of Buildings 3 3 3 3 2 1Metal Erection In Construction Of Dwelling Not Exceed 2 Stories 3 3 2 3 2 1Metal Erection – Nonstructural 2 2 2 3 2 1Metal Erection – Structural – 2 Stories 3 3 3 3 2 1Metal Extracting Or Refining 4 4 4 4 4 3Metal Foil Manufacturing 3 2 3 3 2 3Metal Goods Manufacturing 2 1 3 3 1 2Metal Goods Manufacturing – Stamping – Not Signs 2 1 3 3 1 2Metal Heat Processing 3 2 3 3 2 3Metal Scrap Dealers 4 3 3 4 4 3Metal Works – Shop – Decorative Or Artistic 2 1 2 3 1 2Metal Works – Shop – Structural – Load Bearing 2 1 3 3 1 2Metal Works – Shop – Structural – Not Load Bearing 2 1 3 3 1 2Mica Goods Manufacturing 2 2 3 2 2 4Milk Depots Or Dealers 2 2 3 2 3 1Milk Processing 2 2 3 2 3 2Mining 4 4 4 4 4 4Mobile Home Manufacturing 3 3 4 3 3 3Mobile Home Parks Or Courts 2 2 - 2 2 1Mobile Home Sales Agencies 2 2 2 2 2 1Model Homes 2 2 - 2 2 2Modular Units Manufacturing 3 1 3 3 3 3Mortgage Loan Brokers – PI's 3 3 - 3 2 1Motion Pictures – Development Of Negatives Printing And Subs Operations 2 3 - 2 2 2Motion Pictures – Film Distribution Or Exchanges Not In Studio 2 3 - 2 2 2Motion Pictures – Production – Studios Or Outside 3 3 - 2 3 3Motorcycle, Moped Or Motor Scooter Manufacturing 3 4 4 3 1 2Museums – Not For Profit Only 2 2 - 2 2 3Museums – Other Than Not For Profit 2 2 - 2 2 3Music Stores – Pre-Recorded 1 2 2 2 1 1Musical Instrument Manufacturing 1 1 2 2 1 2Musical Instrument Stores 1 2 1 2 2 1Musical Products Manufacturing – Pre-Recorded 2 2 2 2 2 3Mutual Fund Shares And Securities Sales Organizations 3 3 - 3 2 1Nail Salons 3 2 2 2 1 1Nails Or Spikes Manufacturing 3 1 3 3 1 2

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Needles, Pins Or Tacks Manufacturing 2 1 3 2 1 2Net Manufacturing 2 1 3 2 1 3Net Manufacturing – Safety Nets 2 4 4 2 1 3Newspaper Or Magazine Distributors 2 1 - 2 3 1Newsstands 2 1 1 2 2 1Nightclubs, Cabarets And Comedy Clubs 4 4 - 4 4 4Nursery – Garden 2 2 - 2 2 2Offices 2 - - 2 2 1Office Machines Manufacturing 2 1 2 2 1 2Office Machines Or Appliances – Installation, Inspection, Adj Or Rep 2 2 - 2 2 1Oil Or Gas Lease Operations 4 4 - 4 4 4Oil Or Gas Wells – Acidizing 4 4 4 4 4 4Oil Or Gas Wells – Cementing 4 4 4 4 4 4Oil Or Gas Wells – Cleaning Or Swabbing By Contractors 4 4 4 4 4 4Oil Or Gas Wells Drilling Or Redrilling Installation Or Recovery 4 4 4 4 4 4Oil Or Gas Wells Instrument Logging Or Survey Work In Wells 4 4 4 4 4 4Oil Or Gas Wells – Non-Operating Working Interest 4 4 - 4 4 4Oil Or Gas Wells – Perforating Of Casing 4 4 4 4 4 4Oil Or Gas Wells – Servicing – By Contractors 4 4 4 4 4 4Oil Or Gas Wells – Shooting 4 4 4 4 4 4Oil Or Gas Wells Supplies Or Equipment Dealers – Secondhand 4 4 4 4 4 4Oil Refineries 4 4 4 4 4 4Oil Rig Or Derrick Erecting Or Dismantling Wood Or Metal 4 4 4 4 4 4Oil Still Erection Or Repair 4 4 4 4 4 4Optical Goods – Distributors 2 2 2 2 2 1Optical Goods Manufacturing 1 1 2 2 1 1Optical Goods Stores 1 2 1 1 1 1Orchards And Vineyards – Operation By Contractors 2 2 - 4 2 -Ore Milling Or Processing 3 2 2 3 2 4Orthopedic, Ambulation Or Prosthetic Devices Manufacturing 3 3 4 2 2 2Packing Houses 4 4 4 4 4 3Paint, Varnish, Or Shellac Or Lacquer Manufacturing 3 3 3 3 2 4Paint, Wallpaper Or Wall Covering Stores 1 2 1 2 1 1Painting – Exterior Buildings Or Structures Exceed 3 Stories In Height 3 3 2 4 2 1Painting – Exterior Buildings Or Structures 3 Stories Or Less In Height 2 2 2 4 2 1Painting – Interior – Buildings Or Structures 2 2 2 2 2 1Painting – Oil Or Gasoline Tanks 3 3 3 4 3 2Painting – Ship Hulls 4 4 4 4 4 2Painting – Shop Only 3 3 1 3 2 3

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Painting – Steel Structures Or Bridges 4 4 4 4 4 2Painting – Picture Or Frame Store 1 2 1 2 2 1Paper Coating Or Finishing 2 2 2 2 1 3Paper Goods Manufacturing NOC 3 1 2 3 1 3Paper Manufacturing 3 1 2 3 1 3Paper Products Distributors 1 1 1 2 2 2Paper, Rag Or Rubber Stock Dealers And Distributors – Secondhand 3 2 2 3 2 4Paperhanging 2 2 2 2 2 1Parachute Manufacturing 4 4 4 4 2 3Parades 3 3 - 3 3 -Parking – Private 2 2 - 2 2 -Parking – Public – Open Air 3 3 - 3 2 1Parking – Public – Shopping Centers Maintained By Insured (Lessor's Risk) 3 3 - 3 2 1Parking – Public – Not Open Air 3 3 - 3 2 1Parking – Public – Shopping Centers Maintained By Lessee (Lessor's Risk) 3 3 - 3 2 -Parks Or Playgrounds 3 3 - 2 2 1Pattern Manufacturing 1 1 2 2 2 2Pattern Manufacturing – Metal 1 1 2 2 2 2Pattern Manufacturing – Paper 1 1 2 2 2 3Pawn Shops 4 4 4 4 4 4Payroll Accounting Services 2 2 - 2 2 1Penal Institutions 4 4 - 4 4 4Pencil, Pen, Crayon Or Chalk Manufacturing 2 1 2 2 2 3Pension, Health And Welfare Plans – Labor Unions 3 3 - 3 2 1Pension, Health And Welfare Plans – Other Than Labor Unions 3 3 - 3 2 1Periodicals Distributors 2 1 - 2 3 1Pest Control Services 3 3 - 4 3 2Pet Food Manufacturing 3 1 3 3 2 4Pet Grooming 3 2 - 3 3 1Pet Stores 2 2 2 2 2 1Pet Training 2 2 - 2 3 1Photo Finishing Laboratories 2 2 - 2 2 2Photographers 1 2 - 1 2 1Photographic Equipment Manufacturing 1 1 2 2 1 2Photographic Supplies Manufacturing 1 1 2 2 1 2Piano Tuning 1 1 - 1 2 1Picnic Grounds – Commercially Operated 3 3 - 2 2 1Pile Driving 4 4 4 4 4 1Pipeline Construction 4 4 4 4 4 4

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Pipelines – Operation 4 4 - 4 4 4Pipes Manufacturing – Tobacco 4 4 4 4 4 2Pipes Or Tubes Manufacturing – Metal 2 1 3 3 1 2Pipes Or Tubes Manufacturing – Plastic 2 1 3 3 1 2Plastering Or Stucco Work 3 3 3 2 2 1 No EFIS exposure

Plastic Manufacturing – Raw Material 3 2 3 3 1 4Plastic Or Rubber Goods Manufacturing – Household 3 2 3 3 1 3Plastic Or Rubber Goods Manufacturing – Other Than Household 3 2 3 3 1 3Plastic Or Rubber Supply Goods Distributors 2 1 2 2 2 2Plumbing – Commercial And Industrial 2 2 2 2 2 1Plumbing – Residential Or Domestic 2 2 2 2 2 1Plumbing Fixtures Manufacturing 2 1 2 3 1 2Plumbing Supplies And Fixtures Dealers And Distributors 2 2 2 2 2 1Plumbing Supplies Manufacturing 2 1 3 3 1 2Plywood, Veneer Or Veneer Products Manufacturing 3 1 2 4 2 4Plywood, Veneer Or Veneer Products Manufacturing Without Log Processing 3 1 2 4 2 4Political Campaign Headquarters Or Offices 2 2 - 2 2 1Prefabricated Building Erection 2 2 2 3 2 1Prefabricated Building Manufacturing 3 1 3 3 1 3Printers Or Electrotypers Supplies – Distributors 2 1 2 2 2 2Printing – Not For Profit Only 2 2 - 2 2 3Printing – Other Than Not For Profit 2 2 - 2 2 3Produce Handling Or Packing 2 1 2 4 2 2Professional And Trade Assoc No Building Or Prem Office Only Not For Profit 2 2 - 2 2 1Professional And Trade Assoc No Building Or Prem Office Only Other than Not For Profit 2 2 - 2 2 1Publishers – Books And Magazines – Not For Profit 3 4 - 2 2 3Publishers – Books And Magazines – Other Than Not For Profit 3 4 - 2 2 3Publishers – Newspapers – Not For Profit Only 3 4 - 2 2 3Publishers – Newspapers – Other Than Not For Profit 3 4 3 2 2 3Pulp Manufacturing 3 2 3 4 2 4Pumps Or Compressors Manufacturing 2 1 3 2 2 2Quarries 4 4 - 4 4 2Race Tracks – Motorized Vehicles 4 4 - 4 4 4Racing 4 4 - 4 4 4Racquet Sports And Handball Facilities – Commercially Operated 4 4 - 4 2 2Radio Or TV Broadcasting Stations Not For Profit Only No PI 3 3 - 2 2 3Radio Or TV Broadcasting Stations Other Than Not For Profit No PI 3 3 - 2 2 3Railroad Construction 4 4 4 4 4 1Railroad Engine Manufacturing 4 4 4 4 4 2

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Railroad Or Other Public Conveyance Cars Or Parts Manufacturing 4 4 4 4 4 2Railroads – Operations And Maintenance 4 4 - 4 4 -Railroads – Shop Operation And Maintenance 4 4 - 4 4 2Rain Insurance – Special Events 4Razor Or Razor Blades Manufacturing 3 1 3 3 1 2Real Estate Agents 2 2 - 3 3 1Real Estate Development Property 2 2 - 2 2 -Real Estate Property Managed 3 3 - 3 2 1Recording Studios 2 3 - 2 2 1Recreational Vehicle Dealers 2 2 3 2 2 2Recycling Collection Centers – Not For Profit Only 3 3 - 3 3 4 Not doing pickup

Recycling Collection Centers – Other Than Not For Profit 3 3 - 3 3 4 Not doing pickup

Refrigeration Equipment Manufacturing 2 1 3 3 1 2Refrigeration Equipment – Dealers And Distributors Only – Commercial 1 1 2 2 2 1Refrigeration System And Equip – Dealers And Distribution And Install/Service 2 2 2 2 2 1Rendering Works 4 4 4 4 4 4Renovating Outside Surfaces Of Buildings 3 2 - 3 2 -Rental Stores 4 4 - 3 3 2 3 for farm equipment dealers up to 15%

Rental Stores – Machinery Or Equip – Rented To Others Long Term 3 3 - 2 2 2Restaurants – Operated By Concessionaires – Not For Profit Only 3 3 3 3 3 3Restaurants – Operated By Concessionaires – Other Than Not For Profit 3 3 3 3 3 3Restaurants – Refreshment Stands Or Drive-In Not For Profit Only 3 3 3 3 3 3Restaurants 4 4 4 4 4 4Riding Academies 4 4 - 4 4 3Rifle Or Pistol Ranges 4 4 - 4 4 3Rigging 4 4 - 4 4 3Rodeos 4 4 - 4 4 3Rolling Mills – Cold Or Hot Process 3 2 3 3 2 2Roofing – Commercial 4 4 4 4 2 1Roofing – Residential 4 4 4 4 2 1Rope Manufacturing 3 1 3 2 1 3Rubber Manufacturing 3 1 3 3 1 3Rubber Reclaiming 3 2 3 2 2 3Rubber Stamp Manufacturing Or Assembling 2 1 2 2 1 2Saddles, Harnesses Or Horses Furnishings Manufacturing 3 1 3 2 1 3Safe Deposit Companies 2 2 - 2 2 1Safes Or Safe Vaults Manufacturing 2 1 3 3 1 2Sail Making 3 1 3 2 1 3Sales Or Service Organizations 3 3 - 3 3 1

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Sales, Service Or Consulting Organizations 3 3 - 3 3 1Salt, Boraz, Potash Or Phosphate – Producing Or Refining 3 1 3 3 1 4Salt Manufacturing 3 1 3 3 1 3Salvage Operations 4 4 4 4 4 4Sand Or Gravel Digging 3 3 - 3 4 3Sandblasting 4 4 - 4 2 1Saunas And Baths – Public 4 4 4 4 4 1Saw Mills Or Planing Mills 4 2 2 4 3 4Schools – Not For Profit Only 3 3 - 3 3 1Schools – Other Than Not For Profit 3 3 - 3 3 1Schools – Colleges, Universities, Jr. College Not For Profit Only 3 3 - 3 3 1Schools – Colleges, Universities, Jr. College Other Than Not For Profit 3 3 - 3 3 1Schools – Correspondence 2 2 - 2 2 1Schools – Dormitory Facilities – Not For Profit Only 3 3 - 3 3 1Schools – Dormitory Facilities – Other Than Not For Profit 3 3 - 3 3 1Schools – Faculty Liability For Corporal Punishment Of Pupils 3 3 - 3 2 -Schools – Private Elementary, Kindergarten Or Jr. High Not For Profit 3 3 - 3 3 1Schools – Private Elementary, Kindergarten Or Jr. High Other than Not For Profit 3 3 - 3 3 1Schools – Public Elementary, Kindergarten Or Jr. High 3 3 - 3 3 1Schools – Private High Not For Profit Only 3 3 - 3 3 1Schools – Private High Other Than Not For Profit 3 3 - 3 3 1Schools – Public High 3 3 - 3 3 1Schools – Trade Or Vocational 3 3 - 3 3 1Secondhand Or Salvage Dealers And Distributors 4 4 4 4 4 4Security And Patrol Agencies 4 4 - 4 4 1Securities Sales Organizations (Includes Mutual Funds) 3 3 - 3 2 1Seed Merchants – Excl Misdelivery, Error In Mixture And Germ Failure 2 1 2 2 2 3Seed Merchants NOC 2 1 3 2 2 3Seed Merchants – Excl Germination Failure 2 1 3 2 2 3Septic Tank Systems – Cleaning 2 2 2 3 2 1Septic Tank Systems – Installation, Servicing Or Repair 2 2 2 3 2 1Sewage Disposal – Plant Operations 3 3 - 3 2 1Sewer Cleaning 3 3 3 4 2 1Sewer Mains Or Connections Construction 3 3 3 4 2 1Sewers 2 2 - 3 2 -Sewing Machines Manufacturing – Commercial 2 1 3 2 2 2Sewing Machines Manufacturing – Household 2 1 2 2 2 2Shaft Sinking 4 4 4 4 4 1Sheet Metal Work – Outside 2 2 2 3 2 2

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Sheet Metal Work – Shop Only 2 1 2 3 1 2Shelters, Mission, Settlement Halfway Houses – Not Church Or Office 4 4 - 4 4 3Ship Ceiling Or Scaling 4 4 4 4 4 2Ship Repair Or Conversion 4 4 4 4 4 3Shoe, Boot Or Slipper Manufacturing 3 1 3 3 1 2Shoe Repair Shops 2 2 2 2 1 1Shoe Stores 1 2 2 1 1 1Shopping Centers Building Or Prem Not Occupied By Insured (Lessor's Risk Only) 3 3 - 1 1 -Shop Centers Indoor Malls Building Or Prem Not Occupied By Insured (Lessor's Risk) 3 3 - 1 1 -Siding Installation 3 2 3 3 2 1Sign Erection, Installation Or Repair 3 3 3 3 2 1Sign Manufacturing 3 1 3 3 1 2Sign Manufacturing Electrical 3 1 3 3 1 2Sign Painting Or Lettering – Inside Of Buildings 2 2 2 3 1 2Sign Painting Or Lettering On Buildings Or Structures 2 2 2 4 1 1Skating Rinks – Ice 4 4 - 4 2 2Skating Rinks – Roller 4 4 - 4 2 2Skeet Shooting Or Trap Shooting Ranges 4 4 - 4 2 3Ski Lifts, Tows Or Runs 4 4 - 4 2 3Slate Milling 2 2 2 4 2 3Slate Splitting Or Slate Roofing Manufacturing 2 2 2 4 2 3Soap Manufacturing 3 2 3 3 1 3Social Gatherings/Meetings On Prem Not Owned Or Oper Not For Profit 3 3 - 2 2 2Social Gatherings/Meetings On Prem Not Owned Or Oper Other than Not For Profit 3 3 - 2 2 2Social Services – Consulting Services – Private Sector 4 4 - 4 4 1Solar Energy Contractors 3 3 3 3 2 1Spas Or Personal Enhancement Facilities 4 4 - 4 2 2Special Events Coverage 4Sponge Processing 2 2 2 3 2 2Sporting Goods Or Athletic Equipment Distributors 3 3 3 2 2 2Sporting Goods Or Athletic Equipment Manufacturing 4 4 4 2 1 2Sporting Goods Or Athletic Equipment Stores 3 3 3 2 2 1 No gun repair

Sports Or Outdoor Activities – Commercially Operated 4 4 - 3 1 1Stables – Boarding, Livery Or Racing 4 4 - 4 2 3Stadiums – Operated By Insured – Not For Profit Only 4 4 - 4 2 3Stadiums – Operated By Insured – Other Than Not For Profit 4 4 - 4 2 3Stationery Or Paper Products Stores 1 1 1 2 2 1Stationery or Paper Products Distributors 2 2 2 2 2 1Steam Heating Or Steam Power Companies 3 3 - 4 2 2

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Steam Mains Or Connections Construction 3 3 2 4 2 1Steam Pipe Or Boiler Insulation 3 3 3 4 2 2Steel Wool Or Wire Wool Manufacturing 2 2 3 3 1 2Stevedoring 4 4 4 4 4 -Stockyards 4 4 4 4 4 4Stone Crushing 4 4 2 4 4 2Stone Cutting Or Polishing 2 2 2 3 2 2Stores – Food Or Drink – Not For Profit Only 2 2 2 2 2 2Stores – Food Or Drink – Other Than Not For Profit 2 2 2 2 2 2Stores – No Food Or Drink – Not For Profit Only 3 3 3 2 2 1Stores – No Food Or Drink – Other Than Not For Profit 2 2 2 2 2 1Street Cleaning 3 3 - 3 3 1Streets, Roads, Highways Or Bridges Existence And Maintenance Hazard 3 3 - 3 2 1Street Or Road Construction Or Reconstruction 3 3 3 3 2 1Street Or Road Paving Or Repave, Surfacing Or Resurface Or Scrap 3 3 3 3 2 1Subway Construction 4 4 4 4 4 2Sugar Refining 2 1 3 2 1 2Sun Tanning Salons 4 4 - 4 1 2Supermarkets 3 3 2 3 1 3Surveyors – Land – Not Engaged In Actual Construction 1 1 - 2 2 1Swimming Pool Servicing 3 3 - 3 2 1Swimming Pools 3 3 - 3 1 1Swimming Pools – Commercially Operated 4 4 - 4 1 1Swimming Pools – Installation, Servicing Or Repair Above Ground 4 4 - 3 2 1Swimming Pools – Installation, Servicing Or Repair Below Ground 4 4 - 3 2 1Swimming Pools Or Accessories Manufacturing 3 1 3 3 1 2Syrups Or Molasses – Refining, Blending Or Manufacturing 2 2 3 3 1 3Tailor Merchants – Men And Boys 1 2 1 2 2 1Tailoring Or Dressmaking Establishments – Custom 1 2 1 2 2 1Tank Building Or Manufacturing – Metal – Not Pressurized 3 3 3 3 1 2Tank Building Or Manufacturing – Metal – Pressurized 4 4 4 4 1 2Tank Construction, Install, Erection Or Repair Metal 4 4 4 4 2 2Tanning – Animal Hides 3 2 - 4 1 3Tattoo Parlors 4 4 - 4 4 3Taxicab Companies 4 4 - 4 4 1Taxidermists 2 2 - 2 1 2Telecommunication Equipment Manufacturing 3 2 3 3 2 2Telecommunication Equipment Providers 3 2 3 3 2 1Telecommunication Service Providers 2 2 - 3 2 3

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Telegraph Companies 2 2 - 3 2 3Telephone Or Telegraph Companies 2 2 - 3 2 3Teleproduction Studios 3 2 - 3 3 2Telephone, Telegraph Or Cable Television Line Construction 3 2 3 3 2 1Television Or Radio Receiving Set Installation Or Repair 1 1 2 2 2 2Television Picture Tube Manufacturing 2 1 2 3 1 2Tent Or Canopy Manufacturing 3 1 3 3 1 3Tent Or Canvas Good – Erection Removal Or Repair Away from Shop 2 2 3 3 2 2Tents Or Canopies – Loaned Or Rented To Others 3 3 - 3 2 2Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing New Good 3 2 3 3 3 3Textile Coating Or Impregnating 3 2 3 3 3 3Textile Manufacturing – Impregnated Or Coated 3 2 3 3 3 3Textile Products Manufacturing – Fabricated 3 2 3 3 3 3Textile Spinning, Weaving Or Knitting Mills 3 2 3 3 3 3Theaters – Not For Profit Only 3 3 - 2 2 3Theaters – Other Than Not For Profit 3 3 - 2 2 3Theaters – Drive In 3 3 - 2 2 3Theaters – Motion Pictures 3 3 - 2 2 2Theatrical Companies – Traveling 3 3 - 3 3 -Ticket Agencies 2 2 - 2 2 1Tie, Post Or Pole Yard 3 2 2 3 3 3Tile, Stone, Marble, Mosaic Or Terrazzo Work Interior Construction 3 2 3 3 2 1Tire Dealers 3 2 2 3 2 3Tire Manufacturing – Auto, Bus Or Truck 4 4 4 3 1 4Tire Manufacturing – Not Auto, Bus Or Truck 3 2 3 3 1 4Tire – Retreading Or Recapping 4 4 4 4 2 4Title Agents 2 2 - 2 2 1Tobacco Products Distributors 3 3 3 2 2 3Tobacco Products Manufacturing 4 4 4 3 1 4Tobacco Products Stores 3 3 3 2 1 1Tobacco Rehandling Or Warehousing 4 4 - 3 2 4Toll Bridges 4 4 - 4 4 4Tool Manufacturing – Accessories 2 1 3 3 1 2Tool Manufacturing – Hand Type – Not Powered 2 1 3 3 1 2Tool Manufacturing – Hand Type – Powered 3 1 3 3 1 2Tool Manufacturing – Power Equipment, Household Type – Outdoor Or Workshop 3 1 3 3 1 2Towing Services – Motor Vehicles 3 4 4 3 3 2 No 24 hour, Not for heavy trucks

Toy Distributors 3 1 3 2 2 1Toy Stores 2 2 2 2 2 1

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Toys Or Games Manufacturing 3 1 3 3 1 2Trailer Dealers 3 2 3 3 3 1Trailer Manufacturing 4 4 4 3 2 2Trailer Rental Agencies 4 4 - 4 3 -Travel Agency Tours 4 4 - 4 4 1Tree Pruning, Dusting, Spraying, Repairing, Trimming And Fumigating 4 4 - 4 4 1Truckers 4 2 - 4 4 -Tunneling 4 4 4 4 4 -Turpentine Or Resin Manufacturing 3 2 3 3 2 4Twine Or Cordage Manufacturing 3 1 3 3 2 3Umbrella Or Cane Manufacturing 2 1 3 3 1 2Underpinning Buildings Or Structures 4 4 4 4 4 2Upholstering 3 3 3 3 1 3Upholstering – Shop Only 3 3 3 3 2 3Vacant Buildings 3 3 - 2 2 3Vacant Land – Not For Profit Only 1 1 - 2 2 -Vacant Land – Other Than Not For Profit 1 1 - 2 2 -Valves Manufacturing 2 1 3 3 1 2Variety Stores – Not For Profit Only 2 2 2 2 1 1Variety Stores – Other Than Not For Profit 2 2 2 2 1 1Vegetable Oil Manufacturing 3 2 3 3 2 4Vegetable Oil Manufacturing – By Solvent Extraction 3 2 3 3 2 4Vending Machine Operations 1 1 3 2 1 2Vending Machine Operations – Confection, Food, Beverage Or Ice 2 2 3 2 2 2Vending Machine Operations – Tobacco Products 2 2 3 2 2 2Vending Machines Manufacturing 2 1 3 2 1 2Venetian Blinds Manufacturing Or Assembling 1 1 2 2 1 2Veterinarian Or Veterinary Hospitals 3 3 - 3 2 1Video Arcades 4 4 - 1 2 4Video Stores 2 2 1 1 1 2Warehouse – Cold Individual Storage Lockers 2 2 - 2 2 3Warehouse – Cold Storage – Public 3 2 - 2 2 4Warehouses 3 2 - 2 2 3Warehouse Manufacturing Or Priv Building Or Prem Occ Multiple Int (Lessor's Risk) 3 2 - 2 2 3Warehouse Manufacturing Or Priv Building Or Prem Occ Single Int (Lessor's Risk) 3 1 - 2 2 3Warehouses – Mini-Warehouses 2 2 - 2 2 3Warehouses – Private – Not For Profit Only 3 1 - 2 2 3Warehouses – Private – Other Than Not For Profit 3 1 - 2 2 3Washing Machines, Dryers Or Ironers – Coin Meter Type 3 2 - 2 2 3

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Water Bottling – In Siphons 1 1 3 2 1 2

Water Bottling – Spring Or Well – Not Sparkling Or Carbonated 1 1 3 2 1 2

Water Bottling – Spring Or Well – Sparkling Or Carbonated 1 1 3 2 1 2

Water Companies 2 3 - 2 2 1

Water Mains Or Connections Construction 3 3 2 3 3 2

Water Softening Equipment – Installation, Servicing Or Repair 3 2 2 3 2 1

Water Softening Equipment – Rented To Others 3 2 - 3 2 1

Waterproofing 3 2 3 3 2 1

Waterproofing – By Pressure Apparatus 3 2 3 3 2 1

Waterproofing – By Trowel – Exterior 3 2 3 3 2 1

Waterproofing – By Trowel – Interior Or Insulation Work 3 2 3 2 2 1

Wax Or Wax Products Manufacturing 3 1 3 3 1 3

Wax, Wax Products Or Polish Manufacturing – Floor 3 1 3 3 1 3

Web Site Designers 4 4 - 2 2 1

Weighers, Samplers Or Inspectors Or Merch On Vessels Or Docks 3 2 - 3 1 -

Welding Or Cutting 3 3 3 3 3 2

Wharf And Waterfront Property 4 4 - 4 3 4

Wheel Manufacturing 3 2 3 3 1 2

Wicker, Rattan, Willow Or Twisted Fiber Products Manufacturing 3 1 3 3 1 3

Wigs Or Hair Pieces Manufacturing 2 1 3 3 1 2

Window Cleaning 2 2 - 4 2 1

Window Decorating 2 2 - 3 2 1

Wine Manufacturing – Sparkling 3 2 3 3 1 3

Wine Manufacturing – Still 3 2 3 3 1 3

Wire Cloth Manufacturing 3 1 3 3 1 2

Wire Drawing 2 1 2 3 1 2

Wire Goods Manufacturing 3 1 3 3 1 2

Wire Rope Or Cable Manufacturing – Metal 3 3 4 3 1 2

Wood Preserving 3 1 2 3 1 4

Wood Products Manufacturing 3 1 3 3 1 3

Wood Turned Products Manufacturing 3 1 3 3 1 3

Wool Combing, Scouring Or Separating From Cotton 2 1 2 3 1 3

Wool Pulling 3 1 2 3 1 3

Wrecking – Buildings Or Structures 4 4 - 4 4 2

Wrecking – Dismantling Of Prefabricated Dwellings Under 3 Stories 4 4 - 4 4 2

Wrecking – Marine 4 4 - 4 4 2

YMCA, YWCA, Or Similar Institutions 4 4 - 4 3 2

Youth Recreation Programs – Not For Profit Only 3 3 - 3 3 2

Youth Recreation Programs – Other Than Not For Profit 3 3 - 3 3 2

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Zoos – Not For Profit Only 4 4 - 4 4 4

Zoos – Other Than Not For Profit 4 4 - 4 4 4

Occupancy Guide as of 4-2005

Page 28

Target Markets

Michigan Mobile Home ParksMichigan Farm Equipment DealersMichigan Public Schools

Focus Groups

Auto Repair ShopsBoat DealersFinancial InstitutionsLaundry and Dry CleanersMetal Goods ManufacturersPrintersSmall Artisan ContractorsWholesalers

Documents

Appetite Guide Cover - EMC Insurance Companies...Appetite Guide for Commercial Insurance Lansing Branch Office P.O. Box 30546 Lansing, MI 48909 Phone 800.292.1320 Underwriting FAX