APPETITE GUIDE FOR COMMERCIAL INSURANCE · 2015-12-07 · APPETITE GUIDE FOR COMMERCIAL INSURANCE Western Region Bismarck, Denver and Phoenix Branches . Desirable = Acceptable = Not

APPETITE GUIDEFOR COMMERCIAL INSURANCE

Western Region Bismarck, Denver

and Phoenix Brancheswww.emcins.com

Desirable =Acceptable =

Not a Market =Note: The workers' compensation column is currently only applicable to risks in Arizona,Nevada and New Mexico. California general liability for contracting classes is eligible

Risk Identifier State-Specific Auto Prop GL WCAbrasive Wheel Manufacturing Abrasives or Abrasive Products ManufacturingAbrasives or Abrasive Products Manufacturing – ArtificialAccounting Services BOPAdvertising and Related Services BOPAdvertising Sign Companies – OutdoorAir Conditioning System or Equipment – Dealers or Distribution and Installation, Servicing or Repair Eligible CA GL classAir Conditioning Equipment – Dealers or Distributors Only BOPAir Conditioning Equipment Manufacturing EMC ChoiceAirport Runway or Warning Apron – Paving or Repaving, Surfacing, Resurfacing or ScrapingAlarm Manufacturing – BurglarAlarm Manufacturing – Fire or SmokeAlarms – Security Systems – MonitoringAlarms and Alarm Systems – Installation, Servicing or RepairAmbulance Service, First Aid or Rescue Squads – Not-For-Profit OnlyAmbulance Service, First Aid or Rescue Squads – Other Than Not-For-ProfitAmusement CentersAmusement Devices NOCAmusement Devices Operated in Connection With Carnivals and Fairs – Not-For-ProfitAnalytical ChemistsAntique StoresApartment Buildings All other statesApartment Buildings UTAppliance and Accessories – Installation, Servicing or Repair – Commercial Eligible CA GL classAppliance and Accessories – Installation, Servicing or Repair – Household Eligible CA GL classAppliance and Accessories Manufacturing – Commercial – Not Gas EMC ChoiceAppliance and Accessories Manufacturing – Household – Not Gas EMC ChoiceAppliance Distributors – Household Type BOPAppliance Distributors – Household Type – Radio, TV or CD Players BOPAppliance Stores – Household Type BOPArmored Car Service CompaniesArmy and Navy Stores – No Gun or Ammo SalesArt Galleries – Not-For-Profit OnlyArt Galleries – Other Than Not-For-Profit

only if indicated in the State-Specific column.

EMC Appetite Guide For Commercial Lines

May be Eligible

Page 1



Risk Identifier State-Specific Auto Prop GL WC



May be EligibleAsphalt or Tar Distilling or RefiningAsphalt WorksAthletic Games Sponsored by the Insured – Not-For-Profit OnlyAthletic Games Sponsored by the Insured – Other Than Not-For-ProfitAuctioneers – Livestock Sales Conducted Away From Insured PremisesAuctioneers – Sales Conducted Away From Insured PremisesAuctions – On Premises Owned or Rented by the InsuredAutomobile Body Shops BOPAutomobile Dealer (Franchised Only)Automobile DismantlingAutomobile Manufacturing or AssemblingAutomobile Parts and Supplies Distributors EMC Choice/BOPAutomobile Parts and Supplies Stores BOPAutomobile Quick Lube ServiceAutomobile Renting or Leasing CompaniesAutomobile Repair or Service Shops NOC BOPAutomobile Repair Shops – Self-ServiceAutomobile, Bus and Truck Body ManufacturingAutomobile, Bus or Truck Parts Manufacturing – Passenger Restraining DeviseAutomobile, Bus or Truck Parts Manufacturing – Brakes or Brake LiningsAutomobile, Bus or Truck Parts Manufacturing – Not Operating Parts EMC ChoiceAutomobile, Bus or Truck Parts Manufacturing – Operating PartsBaby Food Manufacturing – Glass ContainersBaby Food Manufacturing NOCBakeries BOPBakery PlantsBarber or Beauty Shop Supplies Distributors EMC Choice/BOPBarber Shops BOPBattery Manufacturing – Dry CellBattery Manufacturing – Wet Cell or StorageBazaars Operated by Insured – Not-For-Profit OnlyBazaars Operated by Insured – Other Than Not-For-ProfitBeach Chairs and Umbrellas – Rented to OthersBeaches – Bathing – Commercially Operated

Page 2






May be EligibleBearing Manufacturing – No Aircraft or Military – Related EquipmentBeauty Parlors and Hair Styling Salons BOPBed and BreakfastBed and Breakfast ND, ID, MT and ORBeverage Bottler – Soft Drinks – Carbonated In Cans or Plastic BottlesBeverage Bottler – Soft Drinks – Metal CylindersBeverage Bottler – Soft Drinks – Paper ContainersBeverage Bottler – Soft Drinks – Not Carbonated – Bottles or CansBeverage Distributors – Alcoholic Other Than Beer EMC ChoiceBeverage Distributors Nonalcoholic and Beer EMC ChoiceBeverage Stores – Liquor and WineBeverage Stores – Liquor and Wine ND, ID, MT and ORBeverage Stores – Soft Drinks and BeerBeverage Stores – Soft Drinks and Beer ND, ID, MT and ORBicycle Manufacturing – Not MotorizedBicycle Stores – Sales and ServicingBicycles – Rented to OthersBilliard or Pool Table ManufacturingBingo Games – Public Halls or Theaters – Commercially OperatedBlacksmithingBlasting OperationsBuildings or Premises – Bank or Office – Mercantile or Manufacturing – Maintained by Insured – Not-For-ProfitBuildings or Premises – Bank or Office – Mercantile or Manufacturing – Maintained by Insured – Other Than Not-For-ProfitBuildings or Premises – Office – Premises Occupied by Employees of the Insured – Not-For-Profit OnlyBuildings or Premises – Office – Premises – Occupied by Employees of the Insured – Other Than Not-For-ProfitBlood Banks – Not-For-Profit OnlyBoarding or Rooming HousesBoarding or Rooming Houses ND, ID and MTBoat Dealers (Franchised Only) EMC ChoiceBoat or Ship Building – Inboard and Inboard/OutboardBoat Repair and ServicingBoat Storage and MoorageBoat Yards or Marinas – PublicBoats – Canoes or Rowboats – For Rent – Not Equipped With Motors

Page 3






May be EligibleBoats – Canoes or Rowboats – Not For Rent – Not Equipped With MotorsBoats – Motor or Sail – Not For RentBoats – Motor or Sail – Rented to OthersBoats – Nonowned Over 26 FeetBoats – Not For Rent NOCBoats – Rented to Others NOCBoiler Inspection, Installation, Cleaning or RepairBolt, Nut, Rivet, Screw or Washer Manufacturing – Not Used in Aircraft or Military Applications EMC ChoiceBook and Magazines Stores – Not-For-Profit Only BOPBook and Magazines Stores – Other Than Not-For-Profit BOPBook Distributors EMC ChoiceBookbinding – Not-For-Profit OnlyBookbinding – Other Than Not-For-ProfitBookbinding and Printers Supplies BOPBookkeeper BOPBottle and Jar Manufacturing – Glass – For Use Under Pressure NonreturnableBottle and Jar Manufacturing – Glass – For Use Under Pressure ReturnableBottle and Jar Manufacturing – Glass – Not For Use Under PressureBottle and Jar Manufacturing – Plastic – NonreturnableBottle and Jar Manufacturing – Plastic – ReturnableBowling LanesBoxes or Containers Manufacturing – Corrugated or Fiberboard EMC ChoiceBoxes or Containers Manufacturing – Wood EMC ChoiceBoy or Girl Scout Councils – Not CampsBrick ManufacturingBridge or Elevated Highway Construction – ConcreteBrush or Broom Manufacturing EMC ChoiceBuilding Material Dealers – Other Than Secondhand MaterialBuilding Material Dealers – Secondhand Material Building Material Dealers (Minimal Lumber For Property)Building Material Distributors (Minimal Lumber For Property)Building Structure – Raising or MovingBuildings or Premises – Bank EMC ChoiceBuildings or Premises – Bank or Office Mercantile or Manufacturing (LRO) – Not-For-Profit

Page 4






May be EligibleBuildings or Premises – Bank or Office Mercantile or Manufacturing (LRO) – Other Than Not-For-ProfitBuildings or Premises – Other Than Not-For-ProfitBuildings or Premises – Other Than Not-For-ProfitBus Manufacturing or Assembling or Reconstruction Bus Stations or TerminalsButtons or Fasteners Manufacturing EMC ChoiceCable Installation in Conduits or SubwaysCable or Subscription Television CompaniesCamera and Photographic Equipment Stores BOPCamper Bodies or Camper Trailers ManufacturingCamper or Travel Trailer Sales AgenciesCampers Manufacturing Self-PoweredCampgroundsCamps – For-ProfitCan Manufacturing Metal EMC ChoiceCandle Manufacturing Candy or Confectionery Products ManufacturingCandy or Confectionery Stores BOPCar WashesCar Washes – Self-ServiceCarbon Paper or Inked Ribbon ManufacturingCarnival or Circus CompaniesCarpentry – InteriorCarpentry – Shop OnlyCarpentry – Construction of Residential Property Not Exceeding 3 Stories ND, ID, WY and UTCarpentry – Construction of Residential Property Not Exceeding 3 Stories COCarpentry – Construction of Residential Property Not Exceeding 3 Stories AZ, NV and NMCarpentry – Construction of Residential Property Not Exceeding 3 Stories MT and ORCarpentry NOCCarpet or Rug Manufacturing EMC ChoiceCarpet, Rug or Upholstery Cleaning – Shop OnlyCarpet, Rug, Furniture or Upholstery Cleaning – Customers' PremisesCatalog or Premium Coupon Redemption Store BOPCaterers

Page 5






May be EligibleCaulking Compounds, Putty or Similar Products ManufacturingCaves – Tourists AttractionCeiling or Wall Installation – MetalCellophane and Cellophane Products ManufacturingCement or Plaster Manufacturing BulkCement, Concrete Mix or Plaster Manufacturing – PackagedCemeteries – Not-For-Profit OnlyCemeteries – Other Than Not-For-ProfitChairs – Rented to OthersCharcoal or Coal Briquette ManufacturingChemical DistributorsChemical Manufacturing – Commercial or IndustrialChemical Manufacturing – HouseholdChildren's Play Centers – IndoorsChimney CleaningChimney Cleaning ND, ID, MT and ORChina, Porcelain or Earthenware ManufacturingChurches or Other Houses For Worship EMC ChoiceClay or Shale DiggingClay Products ManufacturingCleaning Outside Surfaces of BuildingsClock Manufacturing EMC ChoiceClothing Manufacturing – No Infant or Children EMC ChoiceClothing or Wearing Apparel Distributors EMC Choice/BOPClothing or Wearing Apparel Stores – Not-For-Profit OnlyClothing or Wearing Apparel Stores – Other Than Not-For-Profit BOPClub – Civic, Service or Social – Having Buildings or Premises Owned – Not-For-ProfitClub – Civic, Service or Social – No Buildings Except For Office – Not-For-ProfitClubs – Country and GolfClubs – Horseback Riding – No Commercial Riding InstructionsClubs – SwimmingCoffins or Caskets Manufacturing EMC ChoiceCoke ManufacturingCollectibles and Memorabilia Stores

Page 6






May be EligibleCommissary WorkCommodity Brokers and DealersCommodity ExchangesCommunication Equipment Installation – Industrial and CommercialCommunication or Recording Systems or Equipment Manufacturing EMC ChoiceCommunication or Recording Systems or Equipment Manufacturing – Industrial or Commercial EMC ChoiceCommunity Recreational Facilities – Not Operated by a Government AgencyComposition Goods Manufacturing – Not Floor CoveringsComputer Consulting or Programming AZ, NV, NM and CAComputer Consulting or Programming All other statesComputer Data Processing OperationsComputer Data Processing TimesharingComputer ManufacturingComputer Service or RepairComputer Software Manufacturing – PrepackedComputer Stores – No Service or RepairComputer Stores – With Service and RepairConcessionairesConcessionaires – Checkroom, Shoeshine or Toilet Concessions in Hotels or RestaurantsConcrete Construction (No Foundation Work in Oregon)Concrete or Cement Distribution Towers – Rented to Others – Installation or RepairConcrete or Plaster Products Manufacturing – Not StructuralConcrete Products Manufacturing – PrestressedConcrete Products Manufacturing – StructuralCondominiums – Residential (Association Risk Only) BOP All other statesCondominiums – Residential (Association Risk Only) BOP UTCondominiums – Commercial – Bank or Mercantile, Manufacturing or Office (Association Risk Only) BOPConduit Construction For Cables or WiresConstruction or Project Manager Not in CO, WY and UTConsultants – NOC Consultants With Professional ElsewhereContact Lens ManufacturingContractors Equipment Dealers – Ladders Excluding Hoists, Scaffolds or TowersContractors – Executive Supervisors Not in CO, WY and UTContractors NOC

Page 7






May be EligibleContractors Permanent Yards – Maintenance or Storage of Equipment or MaterialConvenience Food Stores BOPConvenience Food/Gasoline Stores – Full-Service BOPConvenience Food/Gasoline Stores – Self and Full-Service Combined BOPConvenience Food/Gasoline Stores – Self-Service BOPConvenience Store With a Cooking Exposure BOPConvenience Store Without Cooking Exposure BOPConventions – Sponsor's Risk Only – Not-For-Profit OnlyConventions – Sponsor's Risk Only – Other Than Not-For-ProfitCopying and Duplicating Services – Retail BOPCosmetic, Hair or Skin Preparation StoresCosmetics ManufacturingCotton Batting, Wadding or Waste ManufacturingCotton CompressingCotton or Wool MerchantsCrematories – Not-For-Profit OnlyCrematories – Other Than Not-For-ProfitCutlery – Not Powered – Flatware Manufacturing EMC ChoiceDairy Products ManufacturingDairy Products or Butter and Egg Stores – Not-For-Profit Only BOPDairy Products or Butter and Egg Stores – Other Than Not-For-Profit BOPDam, Levee or Dike – Existence Hazard OnlyDance Halls or Ballrooms – Not-For-Profit OnlyDance Halls or Ballrooms or Discos – Other Than Not-For-ProfitDance Halls or Ballrooms or DiscosDay Care Centers – Not-For-Profit OnlyDebris Removal – Construction SiteDecorating – Refer to Consultants NOCDelicatessens BOPDental Laboratories BOPDepartment or Discount Stores BOPDetective or Investigative Agencies – PrivateDetergent ManufacturingDetergent Manufacturing – Household

Page 8






May be EligibleDextrine ManufacturingDiagnostic Testing LaboratoriesDie Casting ManufacturingDike, Levee or Revetment ConstructionDistributors – Food or Drink EMC ChoiceDistributors – No Food or Drink EMC ChoiceDiving – MarineDock Operations – Coal, Grain or OreDoor or Window Manufacturing AZ, NM, CA, NV, CO, WY, UTDoor or Window Manufacturing ND, ID, MT and ORDoor or Window Manufacturing – WoodDoor or Window Manufacturing – Wood ORDoor, Window or Assemble Millwork – Installation MetalDoor, Window or Assemble Millwork – Installation Metal ORDraftsmenDrawbridges – Existence Hazard OnlyDrilling – Water Target MarketDriveway, Parking Area or Sidewalk – Paving or RepavingDrug Manufacturing – Biological ProductsDrug, Medicine or Pharmaceutical Preparations ManufacturingDrugstores BOPDrugstores – No Table or Counter Service For Beverage or Food BOPDrums or Containers Manufacturing – MetalDrums or Containers Manufacturing – PlasticDry Goods Dealers – Retail (Including Fabrics, Yarns and Piece Goods)Dry Wall or Wallboard InstallationDry Wall or Wallboard Installation ORDwelling – 1 Family (LRO Only) Don't write in CADwelling – 2 Family (LRO Only) Don't write in CADwelling – 3 Family (LRO Only) Don't write in CADwelling – 4 Family (LRO Only) Don't write in CAElectric Light or Power CompaniesElectric Light or Power Cooperatives – Rural Electrification AdminElectric Light or Power Line Construction

Page 9






May be EligibleElectric Light or Power Line Construction – Rural Electrification AdminElectrical and Lighting Stores BOPElectrical Apparatus – Installation, Service or RepairElectrical Contractors Eligible CA GL classElectrical Equipment Distributors EMC Choice/BOPElectrical Equipment Manufacturing EMC ChoiceElectrical Equipment Manufacturing For Direct and Indirect Application to BodyElectrical Generating Machinery ManufacturingElectrical Parts, Components or Accessories Manufacturing EMC ChoiceElectrical Power Distribution or Transmission Equipment ManufacturingElectrical Wire or Cable Manufacturing EMC ChoiceElectrical Work – Within Buildings Eligible CA GL classElectronic Components Manufacturing EMC ChoiceElectronic Games Manufacturing EMC ChoiceElectronic Stores BOPElectroplatingElevator ManufacturingElevator or Escalator Inspecting, Installation, Service or RepairEmployee Benefit Plans – Labor UnionEmployee Benefit Plans – Other Than Labor UnionEmployment AgenciesEngine or Turbine Manufacturing – Not AircraftEngraving EMC Choice/BOPEngrs or Architects – Consulting – Not Engaged in Actual ConstructionEntertainment Performed on Others' PremisesEquipment, Fixtures or Supplies – For Bars, Hotels, Offices, Restaurants or Stores – Distributors BOPEscalator or Moving Sidewalk ManufacturingEscrow Agencies – Other Than Real Estate BOPEscrow Agencies – Real Estate BOPEvent, Party or Wedding Planners – With Adequate Professional LiabilityExcavation (No Foundation Work in Oregon)Excavation – Colorado Front RangeExercise or Playground Equipment ManufacturingExhibition or Convention Buildings – Not-For-Profit Only

Page 10






May be EligibleExhibition or Convention Buildings – Other Than Not-For-ProfitExhibitions – In Buildings – No Admission Charged – Not-For-Profit OnlyExhibitions – In Buildings – No Admission Charged – Other Than Not-For-ProfitExhibitions – In Buildings – Not-For-Profit OnlyExhibitions – In Buildings – Other Than Not-For-ProfitExhibitions – Outside – No Stadiums or GrandstandsExhibitions – Outside – Ushers and Other Attendants Provided by InsuredExhibitions – Outside – Ushers and Other Attendants Not Provided by InsuredExplosive or Fireworks ManufacturingExpress CompaniesExtracts Manufacturing – No Medicinal ProductsEye Glass Lens ManufacturingFabric Distributors EMC Choice/BOPFabric Stores BOPFairs – Outside (Operator's Risk Only)Farm Machinery Operations – ContractorsFeed, Grain or Hay DealersFence DealersFence Erection ContractorsFertilizer Dealers and DistributorsFertilizer ManufacturingFiber ManufacturingFiber Manufacturing – SyntheticFiberglass ManufacturingFire DepartmentsFire Departments ND, ID, MT and ORFire Departments – VolunteerFire Departments – Volunteer ND, ID, MT and ORFire Extinguishers – Servicing, Refilling or TestingFire Extinguishers – Servicing, Refilling or Testing ND, ID, MT and ORFire Extinguishers ManufacturingFire Suppression System ManufacturingFire Suppression Systems – Installation, Servicing or RepairFire Suppression Systems – Installation, Servicing or Repair ND, ID, MT and OR

Page 11






May be EligibleFirearms ManufacturingFireproofing – StructuresFireworks Exhibitions – Contractor's Risk OnlyFisheries and Fishing ServicesFishing PiersFishing Ponds or Lakes – Commercially OperatedFloor Covering Distributors EMC Choice/BOPFloor Covering Installation – Not Ceramic Tile or Stone Eligible CA GL classFloor Covering Manufacturing – Not Carpets, Rugs, Ceramic or Stone Tiles EMC ChoiceFloor Covering Stores BOPFloor WaxingFlorists BOPFood Products Manufacturing – DryFood Products Manufacturing – FrozenFood Products Manufacturing – Not Dry – Glass ContainersFood Products Manufacturing – Not Dry – Other Than Glass ContainersForestry ServiceForging WorkFormal Wear or Costumes – Rented to OthersFoundriesFraternal OrdersFreight Forwarders or HandlersFreight Forwarders or Handlers – Packing, Handling or Shipping ExplosivesFrozen Food Distributors EMC ChoiceFruit, Nut or Vegetable Dealers EMC Choice/BOPFruit, Nut or Vegetable Distributors EMC Choice/BOPFruit or Vegetable Juice Manufacturing – No Bottling or Carbonated BeveragesFuel Dealers or Distributors – Coal or WoodFuel Oil or Kerosene Dealers Not in UT or COFuel Oil or Kerosene Distributors Not in UT or COFumigatingFuneral Home or Chapels BOPFurniture Manufacturing or Assembling – InfantsFurniture Manufacturing or Assembling – Other Than Wood EMC Choice

Page 12






May be EligibleFurniture Manufacturing or Assembling – Wood EMC ChoiceFurniture or Fixtures – Installation in Office or Stores PortableFurniture or Woodwork Stripping, Refinishing or Repair Shop OnlyFurniture Stores – Not-For-Profit OnlyFurniture Stores – Other Than Not-For-Profit BOPGalvanizing or TinningGambling Casinos Not in CO, WY and UTGambling Casinos ND, ID, MT and ORGambling – Incidental to Other OperationsGarbage or Refuse DumpsGarbage Works – Separation For Recycling, Reduction or IncinerationGarbage, Ash or Refuse CollectingGardening and Light Farming Supply Dealers – Retail BOPGardening and Light Farming Supply Distributors BOPGas CompaniesGas Companies – Natural Gas – Local DistributionGas Dealers – LPGGas Dealers – LPG ND, ID, MT, OR and WYGas Dealers or DistributorsGas Mains or Connections ConstructionGas Manufacturing – InertGas Manufacturing – Primarily Flammable, Explosive or ReactiveGasoline DistributorsGasoline or Oil Supply Stations – Retail (LRO Only)Gasoline Recovery – From Casing Head or Natural GasGasoline Station – Full-ServiceGasoline Station – Self and Full-Service CombinedGasoline Station – Self-ServiceGemstone Cutting or PolishingGeophysical ExplorationsGift Shops – Not-For-Profit Only BOPGift Shops – Other Than Not-For-Profit BOPGlass Dealers and Glaziers BOPGlass or Glassware Manufacturing

Page 13






May be EligibleGolf Courses – MiniatureGolf Courses – Municipal or Public Not Golf or Country ClubGolf Driving RangesGovernment State – Police Department of State, County and CityGovernment State – State, County and City – Excluding Police DepartmentsGovernment State – State, County and City – Including Police DepartmentsGovernmental Subdivision – Not State or Federal Counties – 0 to 10,000Governmental Subdivision – Not State or Federal Counties – 50,001 to 100,000Governmental Subdivision – Not State or Federal Municipal – 0 to 2,500Grading of Land Prohibited class in ORGrain Elevator OperationsGrain MillingGrandstands or Bleachers – Not-For-Profit OnlyGrandstands or Bleachers – Other Than Not-For-ProfitGreenhouse ErectionGreenhousesGrocery Distributors EMC Choice/BOPGrocery Stores BOPGuides or OutfittersGuniting or Shot–CreteGunsmithsHalls – Not-For-Profit OnlyHalls – Other Than Not-For-ProfitHandypersonHardware and Tool Distributors EMC Choice/BOPHardware Stores BOPHazardous Material ContractorsHealth Care Facilities – Alcohol and Drug – Not-For-Profit OnlyHealth Care Facilities – HospitalsHealth or Exercise ClubsHealth or Exercise Clubs ND, ID, MT and ORHealth or Exercise Facilities – Commercially OperatedHealth or Exercise Facilities – Commercially Operated ND, ID, MT and ORHealth or Natural Food Stores BOP

Page 14






May be EligibleHearing Aid – Distributors EMC Choice/BOPHearing Aid Stores BOPHeating Equipment Manufacturing – Coal or WoodHeating Equipment Manufacturing – ElectricHeating or Combined Heating and Air Conditioning Equipment – Dealers or Distributors OnlyHeating or Combined Heating and Air Conditioning Equipment – Dealers, Repair or Servicing Eligible CA GL classHeating or Combined Heating and Air Conditioning Equipment – Dealers and Repair (No LPG) Eligible CA GL classHide Dealers and Distributors – RawHobby, Craft or Artists' Supply Store BOPHobby, Craft or Artists' Supply Distributors EMC Choice/BOPHome Furnishings Stores BOPHome Health Care Services – Not-For-ProfitHome Health Care Services – Other Than Not-For-ProfitHome Improvement StoresHone, Oilstone or Whetstone ManufacturingHoney ExtractingHotels or Motels With Pool or Beaches (Franchised Only)Hotels and Motels Without Pool or Beaches – 4 Stories or More (Franchised Only)Hotels and Motels Without Pool or Beaches – Less Than 4 Stories (Franchised Only) BOPHouse Furnishings Installation EMC ChoiceHousing Projects – Federal, State or LocalIce Cream Stores BOPIce Dealers and DistributorsImportersInk ManufacturingInspection and Appraisal Companies – Inspecting for Insurance or Valuation PurposesInstrument Manufacturing EMC ChoiceInstrument Manufacturing – Analytical, Calibrating, Measuring, Testing and RecordInstrument Manufacturing – ControlInsulating Material Manufacturing – MineralInsulating Material Manufacturing – OrganicInsulating Material Manufacturing – PlasticInsulating Material Manufacturing – Plastic For Application in a Solid StateInsulation Work – Mineral

Page 15






May be EligibleInsulation Work – Organic or Plastic in Solid StateInsulation Work – PlasticInsurance Agents BOPInterior Decorators Eligible CA GL classInternet Access ProvidersInternet Access Providers ND, ID, MT and ORInternet AuctionsInternet Retailers – Less Than $10 Million SalesInternet Service ProvidersInvestment AdviceIrrigation or Drainage System ConstructionIrrigation Works Operations – Without DamsJanitorial Services Eligible CA GL classJanitorial Supplies – Dealers and Distributors EMC ChoiceJetty or Breakwater ConstructionJewelry ManufacturingJewelry Stores or DistributorsJunk DealerKennels – Breeding, Boarding or SalesKennels – Breeding, Boarding or Sales ND, ID, MT and ORLabor Union OfficesLaboratories – Research, Development or Testing – Not-For-Profit OnlyLaboratories – Research, Development or Testing – Other Than Not-For-ProfitLadder Manufacturing Ladder Manufacturing – Wood Lamp Shade Manufacturing EMC ChoiceLamps or Lanterns Manufacturing EMC ChoiceLamps or Lanterns Manufacturing – ElectricLand – Occupied by Persons Other Than Insured (LRO Only)Landscape GardeningLandscape Gardening ORLaundries and Dry Cleaners – Self-Service BOPLaundries and Dry Cleaning Plants BOPLaundry and Dry Cleaning or Dyeing Receiving Stations

Page 16






May be EligibleLaundry and Dry Cleaning Stores BOPLaundry Rental ServiceLawn Care Services Eligible CA GL classLawyers Offices – Not-For-Profit Only BOPLawyers Offices – Other Than Not-For-Profit BOPLead Manufacturing – Red or WhiteLead Works – Sheet, Pipe or ShotLeather Goods Manufacturing EMC ChoiceLeather Goods Stores BOPLibrariesLight Bulb or Tubes ManufacturingLighting Fixtures Manufacturing EMC ChoiceLiquor ManufacturingLithographingLivestock Dealers or Commission MerchantsLivestock Sales CompaniesLocksmithsLogging and LumberingLubricants Manufacturing – GreaseLuggage Goods StoresLuggage ManufacturingLumberyardsMachine Shops (No Aircraft or Military Parts) EMC ChoiceMachinery or Equipment DealersMachinery or Equipment Dealers – Farm Type EMC ChoiceMachinery or Equipment Dealers Construction or Industrial Mobile TypeMachinery or Equipment Dealers Yard or Garden Type EMC ChoiceMachinery or Equipment Farm Installation, Servicing, Repair and ErectMachinery or Equipment Industrial Installation, Servicing or RepairMachinery or Equipment Installation, Servicing or RepairMachinery or Mach Parts Manufacturing Construction, Mining or Materials HandlingMachinery or Machinery Parts ManufacturingMachinery or Machinery Parts Manufacturing – Farm TypeMachinery or Machinery Parts Manufacturing – Industrial Type

Page 17






May be EligibleMachinery or Machinery Parts Manufacturing – Metalworking EMC ChoiceMail Box or Packaging Stores BOPMail Order Houses BOPMail Order or Online DrugstoresMailing or Addressing Companies BOPManufacturersManufacturers RepresentativesMarine Appraisers or SurveyorsMarkets – Not Open Air (LRO Only) Not-For-Profit OnlyMarkets – Not Open Air (LRO Only) Other Than Not-For-ProfitMarkets – Open Air (LRO Only) Not-For-Profit OnlyMarkets – Open Air (LRO Only) Other Than Not-For-ProfitMasonryMatch ManufacturingMattress or Box Spring ManufacturingMausoleums – Not-For-Profit OnlyMausoleums – Other Than Not-For-ProfitMeat, Fish, Poultry or Seafood – CuringMeat, Fish, Poultry or Seafood – DistributorsMeat, Fish, Poultry or Seafood Processing – Not in Airtight ContainersMeat, Fish, Poultry or Seafood Processing – Airtight ContainersMeat, Fish, Poultry or Seafood StoresMedia Manufacturing – BlankMedia Manufacturing – PrerecordedMedical Offices BOPMedical, Dental, Hospital and Surgical Equipment Instrument ManufacturingMedical, Dental, Hospital and Surgical Equipment or Supplies Manufacturing – ExpendableMedical, Dental, Hospital and Surgical Equipment or Supplies Manufacturing – NonexpendableMedical, Dental and Surgical Diagnostic or Treatment Machines or Devices ManufacturingMedical, Hospital and Surgical Equipment or Supplies – Rented to Others Medical, Hospital and Surgical Supply StoresMetal Dealers or Distributors – NonstructuralMetal Dealers or Distributors – StructuralMetal Erection – Decorative or Artistic Eligible CA GL class

Page 18






May be EligibleMetal Erection – Frame Structures Iron Work on Outside of BuildingsMetal Erection – NonstructuralMetal Erection – Steel Lock Gates, Gasholders, Standpipes and Water Metal Erection – Structural (Nothing More Than 8 Stories)Metal Extracting or RefiningMetal Foil Manufacturing EMC ChoiceMetal Goods Manufacturing EMC ChoiceMetal Goods Manufacturing – Stamping – Not Signs EMC ChoiceMetal Heat ProcessingMetal Scrap DealersMetal Works – Shop – Decorative or Artistic EMC ChoiceMetal Works – Shop – Structural – Load BearingMetal Works – Shop – Structural – Not Load Bearing EMC ChoiceMetals – Extracting or RefiningMica Goods ManufacturingMilk Depots or DealersMilk ProcessingMiningMobile Home ManufacturingMobile Home Parks or Courts Not eligible in CAMobile Home Sales AgenciesModel Homes Not eligible in CAModular Units ManufacturingMotion Pictures – Development of Negatives Printing and Subs OperationsMotion Pictures – Film Distribution or Exchanges Not In StudioMotion Pictures – Production – Studios or Outside All Prior OperationsMotorcycle DealersMotorcycle, Moped or Motor Scooter ManufacturingMuseums – Not-For-Profit OnlyMuseums – Other Than Not-For-ProfitMusic Stores – Prerecorded BOPMusical Instrument Manufacturing EMC ChoiceMusical Instrument Stores BOPMusical Products Manufacturing – Prerecorded

Page 19






May be EligibleMutual Fund Shares and Securities Sales OrganizationsNail Salons BOPNails or Spikes Manufacturing EMC ChoiceNeedles, Pins or Tacks Manufacturing EMC ChoiceNet ManufacturingNet Manufacturing – Safety NetsNewspaper or Magazine DistributorsNewsstands BOPNightclubs, Cabarets and Comedy ClubsNursery – GardenOffice Machines Manufacturing EMC ChoiceOffice Machines or Appliances – Installation, Inspection, Adjustment or Repair Eligible CA GL classOffice Machines or Appliances – Retail – No RepairOffice Machines or Appliances – Wholesale or RepairOffices BOPOil or Gas Lease Operations – Natural GasOil or Gas Lease Work by Contractors – Not Lease OperationsOil or Gas Wells – AcidizingOil or Gas Wells – CementingOil or Gas Wells – Cleaning or Swabbing by ContractorsOil or Gas Wells – Non-Operating Working InterestOil or Gas Wells – PerForating of CasingOil or Gas Wells – Servicing – ContractorsOil or Gas Wells – ShootingOil or Gas Wells Drilling or Redrilling Installation or RecoveryOil or Gas Wells Instrument Logging or Survey Work in WellsOil or Gas Wells Supplies or Equipment Dealers – SecondhandOil RefineriesOil Rig or Derrick Erecting or Dismantling Wood or MetalOil Still Erection or RepairOptical Goods – DistributorsOptical Goods Manufacturing EMC ChoiceOptical Goods Stores BOPOrchards and Vineyards – Operation by Contractors

Page 20






May be EligibleOrthopedic, Ambulation or Prosthetic Devices Manufacturing Orthopedic, Ambulation or Prosthetic Devices Manufacturing ND, ID, MT and ORPacking HousesPaint, Varnish, Shellac or Lacquer ManufacturingPaint, Wallpaper or Wall Covering Stores BOPPainting – Exterior Buildings or Structures – 3 Stories or Less in Height Eligible CA GL classPainting – Exterior Buildings or Structures – Exceeding 3 Stories in Height Painting – Interior – Buildings or Structures Eligible CA GL classPainting – Oil or Gasoline TanksPainting – Picture or Frame Store BOPPainting – Ship HullsPainting – Shop OnlyPainting – Steel Structures or BridgesPaper Coating or FinishingPaper Goods Manufacturing NOCPaper ManufacturingPaper Products Distributors EMC ChoicePaperhangingParachute ManufacturingParadesParking – PrivateParking – Public – Not Open AirParking – Public – Open AirParking – Public – Shopping Centers Maintained by Insured (LRO)Parking – Public – Shopping Centers Maintained by Lessee (LRO)Parks or PlaygroundsPattern Manufacturing EMC ChoicePattern Manufacturing – Metal EMC ChoicePattern Manufacturing – PaperPawn ShopsPenal InstitutionsPencil, Pen, Crayon or Chalk ManufacturingPension, Health and Welfare Plans – Labor UnionsPension, Health and Welfare Plans – Other Than Labor Unions

Page 21






May be EligiblePeriodicals DistributorsPest Control ServicesPet Food ManufacturingPet GroomingPet StoresPet TrainingPhoto Finishing Laboratories BOPPhotographers BOPPhotographic Equipment Manufacturing EMC ChoicePhotographic Supplies Manufacturing EMC ChoicePiano TuningPicnic Grounds – Commercially OperatedPile DrivingPipeline ConstructionPipelines – OperationPipes Manufacturing – TobaccoPipes or Tubes Manufacturing – Metal EMC ChoicePipes or Tubes Manufacturing – Plastic EMC ChoicePlastering or Stucco Work – No EFISPlastering or Stucco Work – No EFIS ORPlastic Manufacturing – Raw MaterialPlastic or Rubber Goods Manufacturing – HouseholdPlastic or Rubber Goods Manufacturing – Other Than Household EMC ChoicePlastic or Rubber Supply Goods Distributors EMC ChoicePlumbing – Commercial and IndustrialPlumbing – Residential or Domestic AZ, NM, NV, CO, WY, UTPlumbing – Residential or Domestic ND, ID and MTPlumbing – Residential or Domestic ORPlumbing Fixtures Manufacturing EMC ChoicePlumbing Supplies and Fixtures Dealers and DistributorsPlumbing Supplies Manufacturing EMC ChoicePolitical Campaign Headquarters or OfficesPortable Toilet RentalsPrefabricated Building Erection

Page 22






May be EligiblePrefabricated Building ManufacturingPrinters or Electrotypers Supplies – Distributors EMC ChoicePrinting – Not-For-Profit Only EMC Choice/BOPPrinting – Other Than Not-For-Profit EMC Choice/BOPProduce Handling or PackingProfessional and Trade Association – No Building or Premises Office Only – Not-For-ProfitProfessional and Trade Association – No Building or Premises Office Only – Other Than Not-For-ProfitPublishers – Books and Magazines – Not-For-ProfitPublishers – Books and Magazines – Other Than Not-For-ProfitPublishers – Newspapers – Not-For-Profit OnlyPublishers – Newspapers – Other Than Not-For-ProfitPulp ManufacturingPumps or Compressors Manufacturing EMC ChoiceQuarries – Without Blasting AZ, NM, CA, NV, CO, WY, UTQuarries – Without Blasting ND, ID, MT and ORRace Tracks – Motorized Vehicles (LRO Only)Racing (LRO Only)Racquet Sports and Handball Facilities – Commercially Operated Radio or TV Broadcasting Stations – Not-For-Profit OnlyRadio or TV Broadcasting Stations – Other Than Not-For-ProfitRailroad ConstructionRailroad Engine ManufacturingRailroad or Other Public Conveyance Cars ManufacturingRailroads – Operations and Maintenance With BI Passenger HazardRailroads – Shop Operation and MaintenanceRazor or Razor Blades ManufacturingReal Estate AgentsReal Estate Development Property (No Residential Development)Real Estate Property ManagedReal Estate Property Managed ND, ID, MT and ORRecording StudiosRecreational Vehicle DealersRecycling Collection Centers – Not-For-Profit OnlyRecycling Collection Centers – Other Than Not-For-Profit

Page 23






May be EligibleRefrigeration Equipment – Dealers and Distributors Only – Commercial EMC Choice/BOPRefrigeration Equipment Manufacturing EMC ChoiceRefrigeration System and Equipment – Dealers and Distribution for Installation or ServicingRendering WorksRenovating Outside Surfaces of BuildingsRental Stores Rental Stores – Machinery or Equipment – Rented to Others Long TermRestaurants – Operated by Concessionaires – Not-For-Profit OnlyRestaurants – Operated by Concessionaires – Other Than Not-For-ProfitRestaurants – Refreshment Stands or Drive – Not-For-Profit OnlyRestaurants – With No Cooking ProtectionRestaurants – With No Sale of Alcoholic BeveragesRiding AcademiesRigging – Not Ship or BoatRodeosRolling Mills – Cold or Hot ProcessRoofing – CommercialRoofing – ResidentialRope ManufacturingRubber ManufacturingRubber ReclaimingRubber Stamp Manufacturing or Assembling EMC ChoiceSaddles, Harnesses or Horses Furnishings – ManufacturingSafe Deposit CompaniesSafes or Safe Vaults ManufacturingSail MakingSales or Service OrganizationsSalt ManufacturingSalt, Boraz, Potash or Phosphate – Producing or RefiningSalvage OperationsSand or Gravel DiggingSandblastingSaunas and Baths – PublicSaw Mills or Planing Mills

Page 24






May be EligibleSchools – Colleges, Universities, Junior College – Not-For-Profit OnlySchools – Colleges, Universities, Junior College – Other Than Not-For-ProfitSchools – CorrespondenceSchools – Dormitory Facilities – Not-For-Profit OnlySchools – Dormitory Facilities – Other Than Not-For-ProfitSchools – Faculty Liability For Corporal Punishment of PupilsSchools – Not-For-Profit OnlySchools – Other Than Not-For-ProfitSchools – Private Elementary, Kindergarten or Junior High – Not-For-ProfitSchools – Private Elementary, Kindergarten or Junior High – Other Than Not-For-ProfitSchools – Private High – Not-For-Profit OnlySchools – Private High – Other Than Not-For-ProfitSchools – Public Elementary, Kindergarten or Junior HighSchools – Public HighSchools – Trade or VocationalSecondhand or Salvage Dealers and DistributorsSecurities Sales Organizations (Including Mutual Funds)Security and Patrol AgenciesSeed Merchants – Excl Germination FailureSeed Merchants – Excl Misdelivery, Error In Mixture and Germ FailureSeed Merchants NOCSeptic Tank Systems – CleaningSeptic Tank Systems – Installation, Servicing or RepairSewage Disposal – Plant OperationsSewer Cleaning Sewer Mains or Connections ConstructionSewersSewing Machines Manufacturing – Commercial EMC ChoiceSewing Machines Manufacturing – Household EMC ChoiceShaft SinkingSheet Metal Work – OutsideSheet Metal Work – Shop Only EMC ChoiceShelters, Mission, Settlement Halfway Houses – Not Church or OfficeShip Ceiling or Scaling

Page 25






May be EligibleShip Repair or ConversionShoe Repair Shops BOPShoe Stores BOPShoe, Boot or Slipper Manufacturing EMC ChoiceShop Centers Indoor Malls Building or Premises – Not Occupied by Insured (LRO) BOPShopping Centers Building or Premises – Not Occupied by Insured (LRO Only)Siding InstallationSign Erection, Installation or RepairSign Manufacturing EMC ChoiceSign Manufacturing Electrical EMC ChoiceSign Painting or Lettering – Inside of BuildingsSign Painting or Lettering on Buildings or StructuresSkating Rinks – Ice Skating Rinks – RollerSki Lifts, Tows or RunsSlate MillingSlate Splitting or Slate Roofing Manufacturing Snow and Ice RemovalSoap ManufacturingSocial Gatherings and Meetings – Premises Not Owned or Operated by the Insured – Not-For-ProfitSocial Gatherings and Meetings – Premises Not Owned or Operated by the Insured – Other Than Not-For-ProfitSocial Services – Consulting Services – Private SectorSolar Energy ContractorsSolar Energy Equipment Dealers or DistributorsSolar Energy Systems – Existence Hazard OnlySolar Equipment ManufacturingSpas or Personal Enhancement FacilitiesSponge ProcessingSporting Goods or Athletic Equipment Distributors EMC ChoiceSporting Goods or Athletic Equipment Manufacturing Sporting Goods or Athletic Equipment StoresSports or Outdoor Activities – Commercially OperatedStables – Boarding, Livery or RacingStadiums – Operated by Insured – Not-For-Profit Only

Page 26






May be EligibleStadiums – Operated by Insured – Other Than Not-For-ProfitStationery or Paper Products Distributors EMC ChoiceStationery or Paper Products StoresSteam Heating or Steam Power CompaniesSteam Mains or Connections ConstructionSteam Pipe or Boiler InsulationSteel Wool or Wire Wool Manufacturing EMC ChoiceStevedoringStockyardsStone CrushingStone Cutting or PolishingStores – Food or Drink – Not-For-Profit OnlyStores – Food or Drink – Other Than Not-For-ProfitStores – No Food or Drink – Not-For-Profit OnlyStores – No Food or Drink – Other Than Not-For-ProfitStreet CleaningStreet or Road Construction or ReconstructionStreet or Road Paving or Repave, Surfacing or Resurface or ScrapStreets, Roads, Highways or Bridges Existence and Maintenance HazardSubway ConstructionSugar RefiningSupermarkets BOPSurveyors – Land – Not Engaged in Actual ConstructionSwimming Pool ServicingSwimming PoolsSwimming Pools – Commercially OperatedSwimming Pools – Installation, Servicing or Repair Above GroundSwimming Pools – Installation, Servicing or Repair Below Ground All but CO and CASwimming Pools – Installation, Servicing or Repair Below Ground CO and CASwimming Pools or Accessories – ManufacturingSyrups or Molasses – Refining, Blending or ManufacturingTailor Merchants – Men and Boys BOPTailoring or Dressmaking Establishments – Custom BOPTank Building or Manufacturing – Metal – Not Pressurized

Page 27






May be EligibleTank Building or Manufacturing – Metal – PressurizedTank Construction, Install, Erection or Repair Metal – Not PressurizedTanning – Animal HidesTattoo ParlorsTaxicab CompaniesTaxidermistsTelecommunication Equipment Manufacturing EMC ChoiceTelecommunication Equipment ProvidersTelecommunication Service ProvidersTelegraph CompaniesTelephone or Telegraph CompaniesTelephone, Telegraph or Cable Television Line ConstructionTeleproduction StudiosTelevision or Radio Receiving Set Installation or RepairTelevision Picture Tube Manufacturing EMC ChoiceTent or Canopy Manufacturing EMC ChoiceTent or Canvas Good – Erection Removal or Repair Away from ShopTents or Canopies – Loaned or Rented to OthersTextile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening – New GoodTextile Coating or ImpregnatingTextile Manufacturing – Impregnated or CoatedTextile Products Manufacturing – FabricatedTextile Spinning, Weaving or Knitting MillsTheaters – Drive-InTheaters – Motion PicturesTheaters – Not-For-Profit OnlyTheaters – Other Than Not-For-ProfitTheatrical Companies – TravelingTicket AgenciesTie, Post or Pole YardTile, Stone, Marble, Mosaic or Terrazzo Work Interior Construction Eligible CA GL classTire – Retreading or RecappingTire DealersTire Manufacturing – Auto, Bus or Truck

Page 28






May be EligibleTire Manufacturing – Not Auto, Bus or TruckTitle AgentsTobacco Products DistributorsTobacco Products ManufacturingTobacco Products StoresTobacco Rehandling or WarehousingToll BridgesTool Manufacturing – Accessories EMC ChoiceTool Manufacturing – Hand Type – Not Powered EMC ChoiceTool Manufacturing – Hand Type – PoweredTool Manufacturing – Power Equipment, Household Type – Outdoor or WorkshopTowers – Telecommunication – Existence of Hazard Only (LRO)Towing Services – Motor VehiclesTownhouses or Similar Associations (Association Risk Only) All other statesTownhouses or Similar Associations (Association Risk Only) UTToy Distributors EMC ChoiceToy StoresToys or Games ManufacturingTrailer DealersTrailer Rental AgenciesTrailers Manufacturing Travel Agency ToursTree Pruning, Dusting, Spraying, Repairing, Trimming and FumigatingTruckers (No New in AZ, NV, NM and CA)TunnelingTurpentine or Resin Manufacturing Twine or Cordage ManufacturingUmbrella or Cane ManufacturingUnderpinning Buildings or StructuresUpholsteringUpholstering – Shop OnlyVacant Land – Not-For-Profit OnlyVacant Land – Other Than Not-For-ProfitValves Manufacturing

Page 29






May be EligibleVariety Stores – Not-For-Profit OnlyVariety Stores – Other Than Not-For-ProfitVegetable Oil ManufacturingVegetable Oil Manufacturing – Solvent ExtractionVending Machine OperationsVending Machine Operations – Confection, Food, Beverage or IceVending Machine Operations – Tobacco ProductsVending Machines Manufacturing EMC ChoiceVenetian Blinds Manufacturing or Assembling EMC ChoiceVeterinarian or Veterinary Hospitals BOPVideo ArcadesVideo StoresWarehouse – Cold Individual Storage LockersWarehouse – Cold Storage – PublicWarehouse Manufacturing – Private Building or Premises Occupied by Multiple Interests (LRO)Warehouse Manufacturing – Private Building or Premises Occupied by Single Interest (LRO)WarehousesWarehouses – Mini-WarehousesWarehouses – Private – Not-For-Profit OnlyWarehouses – Private – Other Than Not-For-ProfitWashing Machines, Dryers or Ironers – Coin Meter TypeWatch or Watch Case Manufacturing EMC ChoiceWater Bottling – SiphonsWater Bottling – Spring or Well – Not Sparkling or CarbonatedWater Bottling – Spring or Well – Sparkling or CarbonatedWater CompaniesWater Mains or Connections ConstructionWater Softening Equipment – Installation, Servicing or RepairWater Softening Equipment – Rented to OthersWaterproofingWaterproofing – Pressure ApparatusWaterproofing – Trowel – ExteriorWaterproofing – Trowel – Interior or Insulation WorkWax or Wax Products Manufacturing

Page 30






May be EligibleWax, Wax Products or Polish Manufacturing – FloorWeb Site DesignersWeighers, Samplers or Inspectors of Merch on Vessels or DocksWelding or CuttingWharf and Waterfront Property – Ferry Docks or TerminalsWheel ManufacturingWicker, Rattan, Willow or Twisted Fiber Products Manufacturing EMC ChoiceWigs or Hair Pieces Manufacturing EMC ChoiceWindow Cleaning Window DecoratingWine Manufacturing – SparklingWine Manufacturing – StillWire Cloth Manufacturing EMC ChoiceWire DrawingWire Goods Manufacturing EMC ChoiceWire Rope or Cable Manufacturing – MetalWood Products Manufacturing EMC ChoiceWood Turned Products Manufacturing EMC ChoiceWool Combing, Scouring or Separating From CottonWool PullingWrecking – Buildings or StructuresWrecking – Dismantling of Prefabricated Dwellings Under 3 StoriesWrecking – MarineYMCA, YWCA or Similar InstitutionsYouth Recreation Programs – Not-For-Profit OnlyYouth Recreation Programs – Other Than Not-For-ProfitZoos – Not-For-Profit OnlyZoos – Other Than Not-For-Profit

Page 31

Documents

APPETITE GUIDE FOR COMMERCIAL INSURANCE · 2015-12-07 · APPETITE GUIDE FOR COMMERCIAL INSURANCE Western Region Bismarck, Denver and Phoenix Branches . Desirable = Acceptable = Not