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Advertising Sign Companies – Outdoor
Advertising, Not Elsewhere Classified
AGRICULTURAL CONSULTANTS
Air Conditioning and Combined Air Conditioning and Heating Equipment – Distributors Only
Air Conditioning Equipment – Retail Only
Air-Conditioning and Warm Air Heating Equipment and Commercial and Industrial Refrigeration Equipment
ALBUMS (PHOTO) AND SCRAPBOOKS – DISTRIBUTOR
Alcohol stores ABC stores
All Other Animal Production
All Other Miscellaneous Fabricated Metal Product Manufacturing
All Other Miscellaneous Fabricated Metal Products Manufacturing
ANIMAL SERVICES, EXCEPT VETERINARY
Animal Specialty Services, Except Veterinary
ANSWERING MACHINES, TELEPHONE – DISTRIBUTOR
Antique Stores
Apartments
Appliance – Stores Radio, Television and Phonographic Stores (including parts and supplies)
APPLIANCE DISTRIBUTORS – HOUSEHOLD
Appliance Distributors – Household and Home Furnishings
APPLIANCE REPAIRS
APPLIANCE STORES – ELECTRONICS
APPLIANCE STORES – HOUSEHOLD
Appliance Stores – Household Appliances and Home Furnishings
APPLIANCE STORES – RADIO/TV
APPRAISERS – AUTO
Architectural and Ornamental Metal Work
Architectural Services
ARMY – NAVY STORES
Army and Navy Stores
ARMY NAVY STORES
ART – PICTURES AND POSTERS
ART GALLERIES – COMML
ARTIFICIAL – SILK PLANTS/FLOWERS DISTRIBUTOR
ARTIFICIAL – SILK PLANTS/FLOWERS STORE
ARTISTS SUPPLIES DISTRIBUTORS
ARTISTS SUPPLIES STORES
ATHLETIC FOOTWEAR
Athletic Programs amateur Other than Not- For- Profit
AUCTIONEERS – ON PREMISES OWNED OR RENTED BY THE INSURED
AUCTIONEERS – SALES CONDUCTED AWAY FROM INSUREDS’ PREMISES
Auctioneers – Sales conducted away from the insured’s premises
Auto and home Supply Stores
AUTO OIL CHANGE AND LUBRICATION
AUTO PARTS – SUPPLIES STORES – EXCL. SERVICE
Automatic Merchandising Machine Operators
Automatic Vending Machines
AUTOMOBILE GLASS – DISTRIBUTOR
Automobile Parts and Supplies – Distributors
Automobile Parts and Supplies – Retail Stores (Including Tires)
Automotive Exhaust System Repair
Automotive Glass Replacement Shops
Automotive Repair Shops, Not Elsewhere Classified
Automotive Services, Except Repair and Car Wash
Automotive Stampings
Automotive Transmission Repair Shops
Automotive Trimmings, Apparel Findings, and Related Products
BAKERIES – BAKING ON PREMISES, NO FRYING
BAKERIES – NO BAKING/FRYING ON PREMISES
Bakeries – Retail – No baking on premises
Bakeries – Retail – With baking on premises
Ball and Roller Bearings
BALLOONS – NOVELTY
Banks – Other Financial Institutions
Barber or Beauty Shop Supplies Distributors (No re‐packaging or re‐labeling for ‘own brand’ retail
Barber Shops
Beauty Shops
BEDDING – LINEN STORES
Beer and Ale
Bicycle Shops – Repair and Maintenance Shops without Retail
Bicycle Shops – Retail
Biological Products, Except Diagnostic Substances
Biotechnology Firms Research only Excluding Products
Blankbooks, Looseleaf Binders and Devices
Bolts, Nuts, Screws, Rivets, and Washers
Book Printing
Book Stores
Bookbinding and Printing Supplies – Retail
Bookbinding and Related Work
Books and Magazines Stores – New
Books and Magazines Stores – Used
Books, Periodicals, and Newspapers
Boot and Shoe Cut Stock and Findings
Bottled and Canned Soft Drinks and Carbonated Waters
Brassieres, Girdles, and Allied Garments
Bread and Other Bakery Products, Except Cookies and Crackers
Brick and Structural Clay Tile Manufacturing
Brick, Stone, and Related Construction Materials
BRIDAL SHOPS
Broom, Brush, and Mop Manufacturing
Brooms and Brushes
Builders Risk
Building Materials – Contractors Equipment Dealers – Other Than Secondhand Material
Burial Caskets
Business and Secretarial Schools
Business Associations
Business Consulting Services, Not Elsewhere Classified
Business Services, Not Elsewhere Classified
Business to Business Electronic Markets
BUTCHER SHOPS
Cable and Other Pay Television Services
CAKE DECORATING EQUIPMENT AND SUPPLIES
Calculating and Accounting Machines, Except Electronic Computers
Camera and Photographic Equipment – Retail Only
Camera and Photographic Supply Stores
CANDLE SHOPS
Candy and Other Confectionery Products
Candy or Confectionary Stores – No Manufacturing on Premises
Candy, Nut, and Confectionery Stores
Canned Fruits, Vegetables, Preserves, Jams, and Jellies
Canned Specialties
Canvas and Related Products
Car Wash
Carbon Paper and Inked Ribbon Manufacturing
CARDS – STATIONERY – OFFICE SUPPLIES STORES
Carpentry Work
Carpet and Upholstery Cleaning
Carpet laying
Carpets and Rugs
Catalog and Mail-Order Houses
CATERERS
Catering Truck (based on gross sales)
Cell Phone, Wireless Stores
Cemetery Subdividers and Developers
Ceramic Wall and Floor Tile Manufacturing
Ceramics – Retail Only
Cereal Breakfast Foods
CHAMBERS OF COMMERCE
CHEESE STORES
Chewing Gum
Children’s and Infants’ Wear Stores
CHIROPRACTORS OFFICES
Chocolate and Cocoa Products
Churches
Clay Refractory Manufacturing
CLOCK – WATCH STORES – INCLUDING REPAIRS
Clothing Manufacturing- Children’s
Clothing or Wearing Apparel – Distributors – Men’s and Boy’s Clothing and Furnishings
Clothing or Wearing Apparel – Distributors – Women’s, Children’s and Infant’s Clothing and
Clothing or Wearing Apparel – Retail – Furs (Including Pelts)
Clothing or Wearing Apparel – Retail – Haberdashery and Men’s Furnishings
Clothing or Wearing Apparel – Retail – Men’s and Boys’ Hats and Caps
Clothing or Wearing Apparel – Retail – Sporting Goods and Athletic Apparel
Clothing or Wearing Apparel – Retail – Wigs
CLUBS/CIVIC/SERVICE/SOCIAL – NO BUILDINGS/PREMISES OWNED/LEASED EXCEPT OFFICE
CLUBS – POLITICAL
CLUBS – RECREATION, NOT FOR PROFIT
Coated and Laminated Paper Manufacturing
Coated Fabrics, Not Rubberized
Coating, Engraving, and Allied Services, Not Elsewhere Classified
COFFEE, TEA – SPICE STORES W/ CONSUMPTION ON PREMISES
COFFEE, TEA – SPICE/GOURMET COFFEE STORES
COIN WRAPPING MACHINES MFG
COIN, STAMP/RARE BOOK DEALERS/DISTRIBUTOR
Coin-Operated Laundries and Drycleaning
Collectibles and Memorabilia – Retail
Commercial Art and Graphic Design
Commercial Economic, Sociological, and Educational Research
Commercial Equipment, Not Elsewhere Classified
Commercial Laundry, Drycleaning and Pressing Machine Manufacturing
Commercial Photography
Commercial Printing, Gravure
Commercial Printing, Lithographic
Commercial Printing, Not Elsewhere Classified
Commercial, Industrial, and Institutional Electric Lighting Fixtures
COMMODITY BROKERS
Commodity Contracts Brokers and Dealers
Communications Services, Not Elsewhere Classified
Computer and Computer Software Stores
COMPUTER CONSULTANTS – OTHER THAN REMOTE OFFICES
COMPUTER CONSULTANTS – REMOTE OFFICES
Computer Facilities Management Services
Computer Integrated Systems Design
COMPUTER MAINTENANCE – REPAIRS
Computer Maintenance and Repair
Computer Peripheral Equipment, Not Elsewhere Classified
COMPUTER PROCESSING – DATA PROCESSING
Computer Processing and Data Preparation and Processing Services
COMPUTER PROGRAMMING AND APPLICATION SERVICES
Computer Programming Services
COMPUTER RELATED SERVICES, NOC
Computer Related Services, Not Elsewhere Classified
Computer Rental and Leasing
COMPUTER RENTAL OR LEASING
COMPUTER SOFTWARE – DISTRIBUTOR
Computer Storage Devices
Computer Stores
Computer Terminals
Computers and Computer Peripheral Equipment and Software
COMPUTERS/PERIPHERALS/ SOFTWARE DISTRIBUTORS NOC
Concrete Work
CONDOMINIUM ASSOCIATIONS
CONDOMINIUM UNIT OWNER – OFFICE OCCUPANCY ONLY
Confectionery
Consignment Stores
Construction Materials, Not Elsewhere Classified
Contractors – Appliances and Accessories – Installation or Service or Repair – Commercial (Not
Contractors – Appliances and Accessories – Installation or Service or Repair – Household (Not
Contractors – Carpentry – Construction of Residential Property – Not exceeding – stories in height ‐
Contractors – Carpentry – Interior – Office
Contractors – Carpentry – Interior – Shop
Contractors – Carpet, Rug, Furniture or Upholstery Cleaning – On customer’s premises – Office
Contractors – Carpet, Rug, Furniture or Upholstery Cleaning – On customer’s premises – Shop
Contractors – Ceiling or Wall Installation – Metal only (Other than Metal should be classified as Dry
Contractors – Door, Window or Assembled Millwork – Installation – Metal only (Other than metal
Contractors – Dry Wall or Wallboard Installation – Office
Contractors – Dry Wall or Wallboard Installation – Shop
Contractors – Electrical Work – Within Buildings – Office
Contractors – Electrical Work – Within Buildings – Shop
Contractors – Fence Erection Contractors – (Only applies to risks that install or erect fences.) – Office
Contractors – Fence Erection Contractors – (Only applies to risks that install or erect fences.) – Shop
Contractors – Floor Covering Installation – Not Ceramic Tile or Stone – Office
Contractors – Floor Covering Installation – Not Ceramic Tile or Stone – Shop
Contractors – Furniture or Fixtures – Installation in Offices or Stores – Portable – Metal or Wood ‐
Contractors – Interior Decorators – Office
Contractors – Interior Decorators – Shop
Contractors – Masonry – Office
Contractors – Masonry – Shop
Contractors – Metal Erection – Decorative or Artistic – Office
Contractors – Metal Erection – Decorative or Artistic – Shop
Contractors – Painting – Exterior – Buildings or Structures – 3 stories or less in height (Not Otherwise
Contractors – Painting – Interior Buildings or Structures – Office
Contractors – Painting – Interior Buildings or Structures – Shop
Contractors – Paper Hanging – Office
Contractors – Paper Hanging – Shop
Contractors – Plastering or Stucco Work – Office
Contractors – Plastering or Stucco Work – Shop
Contractors – Siding Installation
Contractors – Tile, Stone, Marble Mosaic or Terrazzo Work – Interior Construction (Includes
Contractors, Remodeling
Convenience Stores, no gas
Cookies and Crackers
Copying and Duplicating Stores
Cordage and Twine
Corrugated and Solid Fiber Boxes
COSMETIC, HAIR/SKIN PREPARATION STORES
Costume Jewelry and Costume Novelties, Except Precious Metal
COSTUME RENTAL STORES
CPA
CRAFTS STORES
Creamery Butter
CREDIT AND DEBT COUNSELING
Credit Unions, Federally Chartered
Crowns and Closures
Current-Carrying Wiring Device Manufacturing
Cut Stone and Stone Products
Cutlery
Cutting Tools, Machine Tool Accessories, and Machinists’ Precision Measuring Devices
Dairy Products or Butter and Egg Stores (Including Ice Cream)
Dairy Products Stores
Dairy Products, Except Dried or Canned
Dance Studios, Schools, and Halls
Data Processing Schools
Day Care Center
Day Care In Home
Day Spa
Dental Laboratories
DENTISTS OFFICES – CLINICS
Department Stores
Detective or Investigative Agencies private
Dialysis Centers
Die-Cut Paper and Paperboard and Cardboard
Direct Mail Advertising Services
Direct Selling Establishments
Dog and Cat Food Manufacturing
DOG/PET TRAINING (NO ATTACK, GUARD OR LAW ENFORCEMENT)
DONUT SHOPS – BAKING ON PREMISES W/ FRYING
DONUT SHOPS – BAKING ON PREMISES, NO FRYING
DRAFTSMEN
Drapery – Shades Manufacturing
DRAPERY – UPHOLSTERY STORES
Drapery Hardware and Window Blinds and Shades
Drapery, Curtain, and Upholstery Stores
Drawing and Insulating of Nonferrous Wire
Dress and Work Gloves, Except Knit and All-Leather
DRESSMAKING/TAILORING ESTABLISHMENTS – CUSTOM
Dried and Dehydrated Fruits, Vegetables, and Soup Mixes
Drug Stores and Proprietary Stores
DRUG STORES:NO COOKING – EXCLUDING PROFESSIONAL
Drugs, Drug Proprietaries, and Druggists’ Sundries
Dry Goods Dealers – Retail – Including Fabrics, Yarn and Piece Goods – (New Goods Only)
Dry, Condensed, and Evaporated Dairy Products
Drycleaning Plants, Except Rug Cleaning
Durable Goods, Not Elsewhere Classified
Eating Places
Educational, Religious, and Charitable Trusts
Electric Housewares and Household Manufacturing
Electric Lamp Bulbs and Tubes
Electrical and Electronic Repair Shops, Not Elsewhere Classified
Electrical Apparatus and Equipment, Wiring Supplies, and Construction Materials
Electrical Appliances, Television and Radio Sets
Electrical Contractor
Electrical Industrial Apparatus, Not Elsewhere Classified
Electrical Lighting Stores
Electrical Machinery, Equipment, and Supplies, Not Elsewhere Classified
Electrical Work
Electrician
Electron Tubes
Electronic Capacitors
Electronic Cigarette/Vapor Stores
Electronic Coils, Transformers, and Other Inductors
Electronic Components, Not Elsewhere Classified
Electronic Computers
Electronic Connectors
Electronic Parts and Equipment, Not Elsewhere Classified
Electronic Resistors
Electronics Stores
Elementary and Secondary Schools
Enameled Iron and Metal Sanitary Ware
Engineering Services
ENGRAVING
Envelopes
Equipment, Fixtures or Supplies Distributors – Office and Store Equipment
Excavation Work
Fabric Distributors
Fabric Stores
Fabricated Metal Products, Not Elsewhere Classified
Fabricated Pipe and Pipe Fittings
Fabricated Rubber Products, Not Elsewhere Classified
Fabricated Structural Metal
Fabricated Textile Products, Not Elsewhere Classified
Family Clothing Stores
Fasteners, Buttons, Needles, and Pins
Fats and Oils Refining and Blending
Fence Dealers
Fiber Cans, Tubes, Drums, and Similar Products
Film Studio- Production
FINANCIAL PLANNER – CONSULTANT
Fine Earthenware (Whiteware) Table and Kitchen Articles
Fire Suppression Systems – installation, servicing or repair
Fish and Seafoods
FISHING EQUIPMENT AND SUPPLIES – RETAIL
Flat Glass
Flavoring Extracts and Flavoring Syrups, Not Elsewhere Classified
Floor Covering – Stores – Except Wood or Ceramic Tile Only
Floor Covering – Stores – Wood or Ceramic Tile Only
Floor Covering Stores
Floor Laying and Other Floor Work, Not Elsewhere Classified
Florists
Florists – Distributors
FLORISTS – INTERIORSCAPE ONLY
FLORISTS – NOT GREENHOUSES
Florists – Retail
Flour Milling
FLOWERS – FLORISTS SUPPLIES DISTRIBUTORS
Flowers, Nursery Stock, and Florists’ Supplies
Fluid Milk
Fluid Power Valve and Hose Fitting Manufacturing
Folding Paperboard Boxes, Including Sanitary
Food Preparations, Not Elsewhere Classified
Footwear
Footwear, Except Rubber, Not Elsewhere Classified
Forestry Services
Fresh and Frozen Seafood Processing
Fresh Fruits and Vegetables
Frozen Bakery Products, Except Bread
Frozen Fruits, Fruit Juices, and Vegetables
Frozen Specialties, Not Elsewhere Classified
Fruit and Vegetable Markets
Functions Related to Depository Banking, Not Elsewhere Classified
Funeral Homes or Chapels
Funeral Service and Crematories
Fur – Garments and Pelts – Retail Only
Fur Goods
Furniture
Furniture – Upholstered – Retail Only
Furniture – Wood or Metal – Retail Only
Furniture Stores
GAME MACHINES, COIN-OPERATED – DISTRIBUTOR
Garbage, Ash or Refuse Collecting
Garment Pressing, and Agents for Laundries and Drycleaners
Gasket Packing and Sealing Device Manufacturing
Gasoline Stations with Convenience Stores
General Automotive Repair Shops
General Contractors (based on gross sales)
Geophysical Surveying and Mapping Services
Gift Shops
GIFT, NOVELTY – SOUVENIR SHOPS
Gift, Novelty, and Souvenir Shops
Girls’, Children’s, and Infants’ Dresses, Blouses, and Shirts
Girls’, Children’s, and Infants’ Outerwear, Not Elsewhere Classified
Glass Containers
Glass Product Manufacturing Made of Purchased Glass
Glass Products, Made of Purchased Glass
GLASS STORES – NO GLAZING, NO INSTALLATION
Glassware Manufacturing
Golf Course and Country Clubs
GOLF EQUIPMENT – RETAIL
Greeting Cards
Groceries and Related Products, Not Elsewhere Classified
Groceries, General Line
GROCERY STORES
Hand and Edge Tool Manufacturing
Hand and Edge Tools, Except Machine Tools and Handsaws
HANDYMAN, HANDYPERSON
Hardware
Hardware and Tools – Distributors
Hardware and Tools – Retail
Hardware Stores
HARDWARE STORES – NO FIREARMS/AMMUNITION
Hardware, Not Elsewhere Classified
Hats, Caps, and Millinery
Health or Exercise Clubs
Health or Natural Food – Stores – With an area less than 4000 square feet
Hearing Aid – Distributors
Hearing Aid – Retail
HEARING AID STORES
Heating Equipment (Except Warm Air Furnaces) Manufacturing
Heating Equipment, Except Electric and Warm Air Furnaces
Heating or Combined Heating and Air Conditioning Equipment – Distributors Only
HEATING/AIR DEALERS – NO INSTALLATION OR REPAIRS-COMMERCIAL
Hobby, Craft or Artists’ Supply – Distributors
Hobby, Craft or Artists’ Supply – Retail
Hobby, Toy, and Game Shops
Home Furnishings
Home Furnishings Stores
Home Health Care Services Other than Not- For- Profit
Home Improvement Stores
HOME IMPROVEMENT STORES – RETAIL
Home Inspector
Hookah Lounges
Hotels (Except Casino Hotels) and Motels
House Sitting Services
House Slippers
Household Appliance Stores
Household Appliances, Not Elsewhere Classified
Household Audio and Video Equipment
Household Cooking Appliance Manufacturing
Household Furniture (Except wood and Metal) Manufacturing
Household Laundry Equipment Manufacturing
Household Refrigeration and Home Freezer Manufacturing
Household Vacuum Cleaner Manufacturing
Hunt Clubs (per member)
HVAC Contractors
Ice Cream and Frozen Desserts
ICE CREAM STORES/YOGURT SHOPS – NO FRYING
Ice Manufacturing
Independent Artists, Writers and Performers
Individual and Family Social Services
Industrial and Commercial Fans and Blowers and Air Purification Equipment
Industrial and Commercial Machinery and Equipment, Not Elsewhere Classified
Industrial and Personal Service Paper
Industrial Laundries
Industrial Machinery and Equipment
Industrial Organic Chemicals, Not Elsewhere Classified
Industrial Patterns
Industrial Supplies
Information Retrieval Services
Inspection and Appraisal Companies – Inspecting for insurance or valuation purposes ‐
Installation or Erection of Building Equipment, Not Elsewhere Classified
Institutional Furniture Manufacturing
Instruments for Measuring and Testing of Electricity and Electrical Signals
INSURANCE AGENTS
Insurance Agents, Brokers, and Service
Investment Advice
Iron and Steel Pipe and Tube Manufacturing from Purchased Steel
Janitorial – Commercial
Janitorial Supplies – Distributors
Janitorial Supplies – Retail
Jewelers’ Findings and Materials, and Lapidary Work
Jewelry – Retail – Costume
Jewelry Stores
Jewelry, Precious Metal
Jewelry, Watches, Precious Stones, and Precious Metals
JUICE BARS – RETAIL
KENNELS – BREEDING, BOARDING/SALES
KIOSKS – NON FOOD
Laboratory Analytical Instruments
Laboratory Apparatus and Furniture
Lace and Warp Knit Fabric Mills
Laminated Plastics Plate, Sheet, and Profile Shapes
Landscape Counseling and Planning
Landscaper Services
LAUNDROMAT – (SELF SERVICE AND ATTENDED)
LAUNDRY – DRY CLEANING PLANTS
LAUNDRY – DRY CLEANING STORES
LAUNDRY – DRY CLEANING/DYEING RECEIVING STATIONS
Laundry and Garment Services, Not Elsewhere Classified
Lawn and Garden Services
LAWNMOWER AND SMALL ENGINE REPAIR
Lawyers (Personal Injury And Advertising Injury Endorsement BP 04 37 or Exclusion – Personal
LAWYERS OFFICES – EXCL. PROFESSIONAL
Lead Pencils, Crayons, and Artists’ Materials
Leather Goods, Not Elsewhere Classified
Legal Services
Lessons of Nonfinancial Intangible Assets (Except Copyrighted works)
Lessors of Real Property, Not Elsewhere Classified
Lessors Risk, Office Only
LIBRARIES
Lighting Equipment, Not Elsewhere Classified
Lighting Fixtures and Fans
Linen Supply
Linoleum, Asphalted-Felt-Base, and Other Hard Surface Floor Coverings, Not Elsewhere Classified
Liquor Stores
Loan Brokers
Locksmiths
Luggage
Luggage and Leather Goods Stores
Luggage Goods – Retail Only
Lumber, Plywood, Millwork, and Wood Panels
Macaroni, Spaghetti, Vermicelli, and Noodles
Machine Tool (metal Forming Types) Manufacturing
Magnetic And Optical Recording Media
Mail Box or Packaging Stores – Packaging Services (Except packing and crating for transportation)
Mail Box or Packaging Stores – Packing and Preparing Goods For Shipping
Mailing or Addressing Companies – Direct Mailing Companies
Mailing or Addressing Companies – Mailing List Compiling Services/Mailing List Publishers
Malt Beverages
Management Consulting Services
Management Services
Manifold Business Form Printing
Manufacturer’s Representative
Manufacturing Industries, Not Elsewhere Classified
MARINE SUPPLIES/SHIP CHANDLER STORE – EXCL BOATS
Marking Devices
Masonry, Stone Setting, and Other Stone Work
Massage Therapist
MATERNITY SHOPS – RETAIL
Measuring and Controlling Devices, Not Elsewhere Classified
Meat and Fish (Seafood) Markets, Including Freezer Provisioners
Meat Processed from Carcasses
MEAT, FISH, POULTRY/SEAFOOD STORES
Meats and Meat Products
Med Spa
MEDICAL BILLING SERVICES
Medical Laboratories
MEDICAL OFFICES
MEDICAL OFFICES-OPERATED BY GROUPS OF PHYSICIANS AS AN OUTPATIENT CLINIC
Medical, Dental, and Hospital Equipment and Supplies
Medical, Dental, Hospital, or Surgical Equipment or Supply
Medical, Hospital – Surgical Supply Stores Incl. Spectrum Liability is not available
MEDICAL, HOSPITAL, SURGICAL SUPPLY STORES
Medicinal Chemicals and Botanical Products
Membership Organizations, Not Elsewhere Classified
Men’s and Boys’ Clothing and Accessory Stores
Men’s and Boy’s Clothing and Furnishings
Men’s and Boys’ Neckwear
Men’s and Boys’ Separate Trousers and Slacks
Men’s and Boys’ Shirts, Except Work Shirts
Men’s and Boys’ Suits, Coats, and Overcoats
Men’s and Boys’ Underwear and Nightwear
Men’s and Boys’ Work Clothing
Men’s Footwear, Except Athletic
Mercantile – Sole Occupancy Only – Bars and Taverns
Metal Cans
Metal Doors, Sash, Frames, Molding, and Trim
Metal Foil and Leaf
Metal Goods Manufacturing- Pluming Fixtures
Metal Household Furniture
Metal Polishing – Finishing Component Parts
Metal Shipping Barrels, Drums, Kegs, and Pails
Metal Stampings, Not Elsewhere Classified
Mineral Wool Manufacturing
Miscellaneous Apparel and Accessory Stores
Miscellaneous business Credit Institutions
Miscellaneous Fabricated Wire Products
Miscellaneous Food Stores
Miscellaneous General Merchandise Stores
Miscellaneous home furnishings Stores
Miscellaneous Personal Services, Not Elsewhere Classified
Miscellaneous Publishing
Miscellaneous Retail Stores, Not Elsewhere Classified
Miscellaneous Structural Metal Work
Molded, Extruded, and Lathe-Cut Mechanical Rubber Goods
Mortgage Bankers and Loan Correspondents
Motion Picture Theaters, Except Drive-In
Motor Vehicle Parts and Accessories
Motor Vehicle Supplies and New Parts
Museums and Art Galleries
Music Stores – Pre‐Recorded
Musical Instrument Stores
Musical Instruments
MUSICAL INSTRUMENTS TUNING – REPAIR
NAIL SALONS
Natural, Processed, and Imitation Cheese
News Dealers and Newsstands
NEWSPAPER OR MAGAZINE STANDS
Newspapers: Publishing, or Publishing and Printing
Newsstands
NON – ALCOHOLIC DRINKS – DISTRIBUTOR
Nonclassifiable Establishments
Nonclay Refractory Manufacturing
Noncommercial Research Organizations
Noncurrent-Carrying Wiring Devices
Nondurable Goods, Not Elsewhere Classified
Nonmetallic Mineral Products, Not Elsewhere Classified
Nonupholstered Wood Household Furniture Manufacturing
NURSERY – GARDEN DISTRIBUTORS
Office – Accounting Services – CPAs – Condominium – Office
Office – Accounting Services – CPAs – Lessors Risk Only
Office – Accounting Services – CPAs – Office
Office – Accounting Services – Except CPAs – Lessors Risk Only
Office – Accounting Services – Except CPAs – Office
Office – Accounting Services – Except CPAs Condominium – Office
Office – Accounting Services – Except CPAs Condominium – Office – Lessors Risk Only
Office – Advertising and Related Services – Lessors Risk Only
Office – Advertising and Related Services – Office
Office – Bookkeeping Services – Condominium – Office
Office – Bookkeeping Services – Condominium – Office – Lessors Risk Only
Office – Bookkeeping Services – Lessors Risk Only
Office – Bookkeeping Services – Office
Office – Engineers or Architects – Consulting – Not engaged in actual construction – Lessors Risk Only
Office – Health Maintenance Organizations – Condominium – Office
Office – Health Maintenance Organizations – Condominium – Office – Lessors Risk Only
Office – Health Maintenance Organizations – Lessors Risk Only
Office – Health Maintenance Organizations – Office
Office – Inspection and Appraisal Companies – Inspecting for insurance or valuation purposes ‐
Office – Insurance Agents – Condominium – Office
Office – Insurance Agents – Condominium – Office – Lessors Risk Only
Office – Insurance Agents – Lessors Risk Only
Office – Insurance Agents – Office
Office – Interior Decorators – Condominium – Office
Office – Interior Decorators – Condominium – Office – Lessors Risk Only
Office – Interior Decorators – Lessors Risk Only
Office – Interior Decorators – Office
Office – Lawyers (Personal Injury And Advertising Injury Endorsement BP 04 37 must be attached.) ‐
Office – Lawyers (Personal Injury And Advertising Injury Endorsement BP 04 37 or Exclusion ‐
Office – Medical Offices – Lessors Risk Only
Office – Not Otherwise Classified – Lessors Risk Only
Office – Payroll Accounting Services – Condominium – Office
Office – Payroll Accounting Services – Condominium – Office – Lessors Risk Only
Office – Payroll Accounting Services – Lessors Risk Only
Office – Payroll Accounting Services – Office
Office – Real Estate Agents – Condominium – Office
Office – Real Estate Agents – Condominium – Office – Lessors Risk Only
Office – Real Estate Agents – Lessors Risk Only
Office – Real Estate Agents – Office
Office – Title Agents – Condominium – Office
Office – Title Agents – Condominium – Office – Lessors Risk Only
Office – Title Agents – Lessors Risk Only
Office – Title Agents – Office
Office – Veterinarians Office – Lessors Risk Only
Office and Store Fixtures, Partitions, Shelving, and Lockers, Except-Wood
Office Equipment
Office Furniture, Except Wood
Office Machine Repair and Installation
Office Machines or Appliances – Distributors – No Repair
Office Machines or Appliances – Retail – No Repair
Office Machines, Not Elsewhere Classified
Offices and Clinics of Chiropractors
Offices and Clinics of Dentists
Offices and Clinics of Doctors of Medicine
Offices and Clinics of Doctors of Osteopathy
Offices and Clinics of Health Practitioners, Not Elsewhere Classified
Offices and Clinics of Optometrists
Offices and Clinics of Podiatrists
Offices of Holding Companies, Not Elsewhere Classified
Operators of Nonresidential Buildings
Operators or Apartment Buildings
Ophthalmic Goods
Ophthalmic Goods- Wholesale
Optical Goods – Distributors
Optical Goods – Retail
Optical Goods Stores
Optical Instruments and Lenses
Optical Instruments and Lenses- Manufacturing
OPTOMETRISTS OFFICES
ORAL SURGEONS OFFICES
Orthopedic, Prosthetic, and Surgical Appliances and Supplies
OSTEOPATHS OFFICES
Other Animal Food Manufacturing
Other Concrete Product Manufacturing
Other Metalworking Machinery Manufacturing
Other Snack Food Manufacturing
Outdoor Advertising Services
Packaged Frozen Foods
Packaging Paper and Plastics Film, Coated and Laminated
Packing and Crating
Paint, Glass, and Wallpaper Stores
Paint, Wallpaper or Wallcovering Stores
PAINT, WALLPAPER, WALLCOVER STORES
Painting and Paper Hanging
Painting Galleries with Wine
Painting, Picture or Frame Stores
Paints, Varnishes, and Supplies
Pens, Mechanical Pencils, and Parts
Periodicals: Publishing, or Publishing and Printing
Personal Leather Goods, Except Women’s Handbags and Purses
Pest Control Services
Pet groomers
PET SUPPLY STORES
Pharmacies and Drug Stores
Phonograph Records and Prerecorded Audio Tapes and Disks
PHOTO FINISHING LABORATORIES
Photocopying and Duplicating Services
Photofinishing Laboratories
Photographers
PHOTOGRAPHERS – COMMERCIAL
Photographic Equipment – Retail only
Photographic Equipment and Supplies
PHOTOGRAPHIC STUDIOS AND PORTRAITS
Photographic Studios, Portrait
Pickled Fruits and Vegetables, Vegetable Sauces and Seasonings, and Salad Dressings
PICTURE – PICTURE FRAME STORES
PICTURE, PICTURE FRAME, AND PORTRAITS DISTRIBUTORS
Piece Goods, Notions, and Other Dry Good
Plastering, Drywall, Acoustical, and Insulation Work
Plastic Goods Manufacturing- Pipe
Plastics Bag Manufacturing
Plastics Bottles
Plastics Foam Products
Plastics Materials and Basic Forms and Shapes
Plastics Plumbing Fixtures
Plastics Products, Not Elsewhere Classified
Platemaking and Related Services
Pleating, Decorative and Novelty Stitching, and Tucking for the Trade
Plumbing and Heating Equipment and Supplies (Hydronics)
Plumbing Fixture Fittings and Trim
Plumbing Supplies and Fixtures – Distributors
Plumbing Supplies and Fixtures – Retail
Plumbing, Heating and Air-Conditioning
PODIATRISTS OFFICES
Political Organizations
Porcelain Electrical Supply Manufacturing
Pottery Products, Not Elsewhere Classified
POTTERY STORES
Power and Communications Line and Related Structures Construction
Power Laundries, Family and Commercial
Power, Distribution, and Specialty Transformers
Prepackaged Software
Prepared Flour Mixes and Doughs
Prepress Services
Pressure Washing, Residential
Primary Metal Products, Not Elsewhere Classified
Printed Circuit Boards Manufacturing
PRINTER/QUICK PRINT SHOPS – NOT SILKSCREENING
Printing and Writing Paper
Printing Ink
Professional Equipment and Supplies, Not Elsewhere Classified
Professional Membership Organizations
Property Management
PSYCHIATRISTS
PSYCHOLOGISTS
Public Building and Related Furniture
Public Golf Courses
PUBLIC RELATIONS
Public Relations Services
PUBLISHERS – ALL OTHER
PUBLISHERS – BOOKS/MAGAZINES
PUBLISHERS-SHEET MUSIC INCL PRINTING
Radio and Television Broadcasting and Communications Equipment
Radio and Television Repair Shops
Radio Broadcasting Stations
Radio, Television, and Consumer Electronics Stores
Radio, Television, and Publishers’ Advertising Representatives
REAL ESTATE AGENTS – COMMERCIAL – EXCLUDING PROFESSIONAL
Real Estate Agents and Managers
REAL ESTATE AGENTS:RESIDENTIAL – EXCL. PROFESSIONAL
Record and Prerecorded Tape Stores
RECORDING STUDIOS
Recycling Collection Centers Other than Not- For- Profit
Refrigerated Warehousing and Storage
Refrigeration and Air-Conditioning Service and Repair Shops
Refrigeration Equipment and Supplies
RELIGIOUS INSTITUTIONS – OWNER OCCUPIED
RELIGIOUS INSTITUTIONS – TENANT OCCUPIED
Religious Organizations
RELIGIOUS SUPPLIES – RETAIL
Repair Shops and Related Services, Not Elsewhere Classified
Residential Electric Lighting Fixtures
RESTAURANTS – FAMILY STYLE – ASIAN
RESTAURANTS – FAMILY STYLE – CAFETERIA
RESTAURANTS – FAMILY STYLE – PIZZA
RESTAURANTS – FAMILY STYLE: ALL OTHER
RESTAURANTS – FAMILY STYLE: ITALIAN
RESTAURANTS – FAMILY STYLE: OTHER ETHNIC CUISINE
RESTAURANTS – FAMILY STYLE: SEAFOOD
RESTAURANTS – FAMILY STYLE: STEAK BARBECUE
RESTAURANTS – FAST FOOD – ALL OTHER
RESTAURANTS – FAST FOOD – ASIAN
RESTAURANTS – FAST FOOD – DRIVE – IN (SERVICE IN CAR)
RESTAURANTS – FAST FOOD – FOOD COURTS
RESTAURANTS – FAST FOOD – MEXICAN TAKE-OUT
Restaurants – Fast Food Restaurants – Cafes
Restaurants – Fast Food Restaurants – Chicken
Restaurants – Fast Food Restaurants – Concession Stands/Snack Bars
Restaurants – Fast Food Restaurants – Delicatessens and Sandwich Shops
Restaurants – Fast Food Restaurants – Donut Shops
Restaurants – Fast Food Restaurants – Hamburger/Malt Shops
Restaurants – Fast Food Restaurants – Hotdog Shops
Restaurants – Fast Food Restaurants – Oriental Style
Restaurants – Fast Food Restaurants – Other Ethnic Style
Restaurants – Fast Food Restaurants – Pizza Shops
Restaurants – Fast Food Restaurants – Roast Beef
Restaurants – Fast Food Restaurants – Seafood
Restaurants – Fast Food Restaurants – Take Out Only Restaurants – no on‐premises consumption of
RESTAURANT FINE DINING: WITH ALCOHOLIC SALES LESS THAN 40%ANNUAL RECEIPTS NO DANCE FLOOR
RESTAURANTS – FROZEN YOGURT SHOPS
RESTAURANTS – ICE CREAM PARLORS
Restaurants – Limited Cooking Restaurants – Cafes
Restaurants – Limited Cooking Restaurants – Coffee Bars or Shops
Restaurants – Limited Cooking Restaurants – Concession Stands/Snack Bars
Restaurants – Limited Cooking Restaurants – Delicatessens and Sandwich Shops
Restaurants – Limited Cooking Restaurants – Ice Cream and Yogurt Stores
Restaurants – Limited Cooking Restaurants – Pizza Shops
Restaurants – Limited Cooking Restaurants – Salad Bars
Restaurants – Limited Cooking Restaurants – Take Out Only Restaurants – no on‐premises
RESTAURANTS – PIZZA – TAKE OUT ONLY: NO DELIVERY,NOT ELIGIBLE FOR HNO AUTO
Retail Bakeries
Retail Nurseries, Lawn and Garden Supply Stores
Reupholstery and Furniture Repair
Roasted Coffee
Robes and Dressing Gowns
Roofing residential
Rubber and Plastic Hoses and Belting Manufacturing
Rubber and Plastics Footwear
RUNNING – TRACK EQUIPMENT STORES
SALES, SERVICE/CONSULTING ORGANIZATIONS – CLERICAL-NOC
SALES, SERVICE/CONSULTING ORGANIZATIONS – EXCL. CLERICAL – TEMPORARY HELP
Salted and Roasted Nuts and Seeds
Sanitary Paper Products
SAUNA HEATERS, EXCEPT ELECTRIC – DISTRIBUTOR
Saw Blades and Handsaws
Scales and Balances, Except Laboratory
Schiffli Machine Embroideries
SCHOOLS – ACCOUNTING
SCHOOLS – BEAUTY
SCHOOLS – BUSINESS AND SECRETARIAL
SCHOOLS – CORRESPONDENCE
SCHOOLS – DATA PROCESSING AND COMPUTER TRAINING FACILITIES
SCHOOLS – MEDICAL AND DENTAL ASSISTANTS AND TECHNICIANS
SCHOOLS – TRADE OR VOCATIONAL
Schools and Educational Services, Not Elsewhere Classified
Screw Machine Products
Seafood Canning
Secretarial and Court Reporting Services
Service Establishment Equipment and Supplies
Service Industry Machinery, Not Elsewhere Classified
Services Allied to Motion Picture Distribution
Services Allied to Motion Picture Production
Services, Not Elsewhere Classified
Setup Paperboard Boxes
Sewing Machine Stores
Sewing, Needlework, and Piece Goods Stores
Sheet Metal Work
Shoe Repair Shops and Shoeshine Parlors
SHOE STORES
Shoe Stores – Repair
Shoe Stores – Retail
Shortening, Table Oils, Margarine, and Other Edible Fats and Oils, Not Elsewhere Classified
Showcase, Partition, Shelving, and Locker Manufacturing
Siding, and Sheet Metal Work
Signs and Advertising Specialties
Silverware, Plated Ware, and Stainless Steel Ware
Soap and Other Detergents, Expect Specialty Cleaners
SOCCER APPAREL – EQUIPMENT STORES
Solar Energy Contractors
Special Dies and Tools, Die Sets, Jigs and Fixtures, and Industrial Molds
Special Events
Special Industry Machinery, Not Elsewhere Classified
Special Trade Contractors, Not Elsewhere Classified
SPEECH THERAPISTS OFFICES
Sporting and Athletic Goods, Not Elsewhere Classified
Sporting and Recreational Goods and Supplies
Sporting Goods or Athletic Equipment Stores (Including Apparel)
SPORTING GOODS STORE: NO SKI/SNOWBOARD EQUIPMENT
Stationery and Office Supplies
Stationery or Paper Products – Distributors – Retail
Stationery Stores
Stationery, Tablets, and Related Products
Steel Wiredrawing and Steel Nails and Spikes
STOCKBROKERS OFFICES
STONE CUTTING/POLISHING -EXCL. GEMS
STORES – FOOD/DRINK – NOC
Structural Clay Products, Not Elsewhere Classified
SUBMARINE SANDWICH SHOPS AND DELIS – NO FRYING
Surveying Services
SURVEYORS – LAND – NOT ENGAGED IN ACTUAL CONSTRUCTION
SWIMMING POOL CLEANING AND MAINTENANCE
SWIMMING POOL SUPPLIES – RETAIL
Tailoring or Dressmaking Establishments – Custom
Tailors
Tanning Salon based on units
Tattoo Parlors
Tax Preparation
TAXIDERMISTS
Telegraph and Other Message Communications
Telephone and Telegraph Apparatus
Telephone Communications, Except Radiotelephone
Television or Radio Receiving Set Installation or Repair
Terrazzo, Tile, Marble, and Mosaic Work
Testing Laboratories
Textile Bags
Textile Machinery
Thread Mills
TICKET AGENCIES
TIE SHOPS
TILE – RETAIL
TILE, CLAY OR OTHER CERAMIC, EXCEPT REFRACTORY – DISTRIBUTOR
Tire Dealers (no installation)
TITLE AGENTS – ABSTRACTORS AND CLOSING AGENTS
TOBACCO MANUFACTURERS
Tobacco Stores
Top, Body, and Upholstery Repair Shops and Paint Shops
Totalizing Fluid Meters and Counting Devices
Townhouses
TOY, HOBBY GOODS – SUPPLIES STORES
Toys – Distributors
Toys – Retail
Toys and Hobby Goods and Supplies
Travel Agencies
TRAVEL AGENCY – NO TOURS
Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating
Trophy Stores
Trust Company
T-SHIRTS – RETAIL
Uncoated Paper and Multiwall Bags
UNIFORM STORES – RETAIL
Unlamented Plastics Film and Sheet (Except Packaging) Manufacturing
Unlamented Plastics Profile Shape Manufacturing
Upholstered Household Furniture Manufacturing
UPHOLSTERING
UPHOLSTERING-SHOP ONLY
UPHOLSTERY CLEANING – SHOP ONLY
Used Merchandise Stores
Vacant Building
VACUUM CLEANER SALES/SERVICE STORE- NO CENTRAL INSTALLATION
VACUUM CLEANER SALES/SERVICE STORES W/ CENTRAL INSTALLATION
Variety Stores
VENDING MACHINE OPERATIONS – NO TOBACCO
VENDING MACHINE OPERATIONS-FOOD, BEVERAGE/ICE – NO TOBACCO
VENETIAN BLIND/WINDOW SHADES STORES
Veterinarian
VETERINARIAN/VETERINARY HOSPITALS
Veterinary Services for Animal Specialties
Video Stores – Rental
Video Stores – Sales
Video Tape Rental
VIDEO TAPE RENTAL STORES
Vitreous China Pluming Fixtures and China and Earthenware Bathroom Accessories Manufacturing
Vitreous China, Fine Earthenware, and Other Pottery Products Manufacturing
Vocational Schools, Not Elsewhere Classified
Warm Air Heating and Air-Conditioning Equipment and Supplies
Watch, Clock, and Jewelry Repair
Watches, Clocks, Clockwork Operated Devices, and Parts
Water Softening Equipment – Rented To Others
Water Well Drilling
Waterproof Outerwear
Waterproofing by trowel interior or insulation work
Welding or Cutting
WIG STORES
Wigs – Retail only
Window Cleaning
Wine and Distilled Alcoholic Beverages
Wineries
Wines, Brandy, and Brandy Spirits
Wire Springs
Wired Telecommunications Carries
Women’s Accessory and Specialty Stores
Women’s Clothing Stores
Women’s Footwear, Except Athletic
Women’s Full-Length and Knee-Length Hosiery, Except Socks
Women’s Handbags and Purses
Women’s, Children’s, and Infants’ Clothing and Accessories
Women’s, Misses’, and Juniors’ Blouses and Shirts
Women’s, Misses’, and Juniors’ Dresses
Women’s, Misses’, and Juniors’ Suits, Skirts, and Coats
Women’s, Misses’, Children’s, and Infants’ Underwear and Nightwear
Wood Containers, Not Elsewhere Classified
Wood Kitchen Cabinets
Wood Office and Store Fixtures, Partitions, Shelving, and Lockers
Wood Office Furniture
Wood Products – Not Otherwise Classified – Retail only
Wood Products, Not Elsewhere Classified
Wood Television Radio and Sewing Machine Cabinet Manufacturing
X-RAY, RADIOLOGY OR IMAGING LABORATORIES
Yarn Texturizing, Throwing, Twisting, and Winding Mills